12 best credit cards without income verification
A credit card is a financial product that is gaining increasing popularity among bank customers. The choice of tariffs is huge. But above all, what they pay attention to is the limit, the interest rate, the grace period, the possibility of withdrawing cash. As a rule, registration does not take much time, and a maximum of 3 days passes from the filing of an application to the issuance of the finished plastic carrier. The exception is an instant, non-name card, which can be obtained on the day of contacting the bank.
Many financial organizations, in order to ascertain the client's solvency, require a large set of documents, which must include certificates confirming income and employment. But not all borrowers can provide them, or the salary indicated in them is not true, and the real income is much higher than the official.
Banks have developed programs for such a category of citizens who cannot confirm their income or they simply do not have time to collect the necessary certificates. In general, such products are distinguished by an increased interest rate. Our experts have compiled a credit card rating without income confirmation, which combines the most favorable conditions for the borrower. The selection took place with the participation of ordinary users and bank analysts.
Top credit card rating without income verification
| Nomination | a place | card name | rating |
| Top credit card rating without income verification | 1 | PLATINUM Tinkoff Bank | 5.0 |
| 2 | Halva Sovcombank | 4.9 | |
| 3 | 100 days without interest Alfa-Bank | 4.8 | |
| 4 | Platinum Russian Standard | 4.7 | |
| 5 | 120 days without interest Ural Bank for Reconstruction and Development | 4.6 | |
| 6 | Credit Card Renaissance Credit | 4.5 | |
| 7 | Touch Bank Credit Card | 4.3 | |
| 8 | KVIKU Virtual Credit Card | 4.2 | |
| 9 | Conscience Qiwi Bank | 4.1 | |
| 10 | Oriental Bank Credit Card | 4.0 | |
| 11 | Gold Home Credit Bank | 3.9 | |
| 12 | Credit card Bank Avangard | 3.8 |
PLATINUM Tinkoff Bank
Rating: 5.0
The leader is a card issued by a bank that has no branches and serves its customers exclusively online. The tariff plan combines favorable conditions not only for a financial company, but also for a borrower. One of the advantages is that no reference is required. Specified in the application data is sufficient for a decision. The courier delivers the finished card to the address indicated, and the client only provides a passport to confirm his identity.
The maximum limit is quite high compared to offers from other banks. It amounts to 300,000 rubles. The interest rate is calculated on the basis of the established tariff - from 12% per annum. Preferential terms are valid up to 55 days. During this period, you can perform all operations without interest. Mobile application and Internet banking are recognized as the most convenient for the client.
Cashback is very high and can be 30%. A large number of partner companies allows you to make purchases with significant discounts. Also an undoubted advantage was the installment program up to 12 months. The service is paid and amounts to 590 rubles. per year, which is quite affordable amount for all categories of borrowers.
Halva Sovcombank
Rating: 4.9
The silver medalist of our rating was the Halva card, which gained its popularity due to a wide advertising campaign. Customers who have paid attention to this financial product were satisfied with the conditions proposed by Sovcombank. After the online application, the answer comes instantly. You can get a card at any branch of the bank when providing a passport. Necessary conditions: citizenship of the Russian Federation and the presence of a permanent residence permit. Income certificates will not be required even with the provision of the maximum amount - 350,000 rubles.
Design and maintenance are free. One of the main advantages of the card is an interest-free installment plan for purchases, so for lovers of active shopping, it will be the most profitable. More than 100,000 partner companies are participating in the program, and this number is constantly increasing. Cashback will also appeal to customers making purchases with a card. The more operations are performed, the more points are returned to the account.
The holders of this financial product were satisfied with its use. A quick receipt, a high degree of approval without salary certificates, the possibility of receiving through a courier without visiting a bank, big discounts and installments - these are the main advantages of this card.
100 days without interest Alfa-Bank
Rating: 4.8
The third place in the ranking is a credit card, which can be obtained without providing information about income and employment, while the conditions are sufficiently beneficial for the borrower. After submitting an online application, the decision comes in a few minutes. Registration of the contract takes place in the nearest office of the bank in the provision of a passport of the Russian Federation and the second document to choose from, confirming identity. Card issue is free.
The tariff is beneficial for performing various operations: both for non-cash purchases, and for receiving cash on hand. Extended grace period allows you to use the card without withdrawing interest for 100 days. After an individual assessment of the borrower, an amount of up to 300,000 rubles may be credited to the account. The service is paid and ranges from 990 rubles. in year. Interest rate - from 23.99.
If you wish, you can use the mobile application, SMS alert and Internet banking. There is no commission for connection and use of these services. Depositing money to an account is carried out in various ways: through the cash offices of a financial institution, online or through its own ATMs, of which there are more than 20,000 throughout the country
Platinum Russian Standard
Rating: 4.7
The fourth line of the rating is deservedly occupied by the card, which is accessible to many categories of citizens, and its conditions are beneficial for performing various operations. The decision is made very quickly. Registration also does not take much time, and the client will only need a passport of the Russian Federation. The maximum limit is 300,000 rubles. The loan rate starts at 21.9% per annum. Cash withdrawal is possible at all ATMs (own and third-party) in the territory of the Russian Federation and abroad.
Preferential use of the card - 55 days. During this time, you can perform any operations and return the money to the account without a fee and interest. The cashback is quite high, it can be 15%. For the convenience of conducting transactions and tracking account balance, you can use mobile and online banking. The interface is clear and simple. Card service is paid. The amount will be 499 rubles per year.
Installment 12 months will allow you to make purchases without paying interest in partner companies of the bank. Customers noted that it is possible to get a card not only in the offices of a financial institution, but also, if desired, through a courier. A high percentage of approvals speaks of bank loyalty, which attracts more and more users to this loan product.
120 days without interest Ural Bank for Reconstruction and Development
Rating: 4.6
The fifth place in the rating is the card with one of the biggest grace periods.For 120 days, you can make purchases without interest and commissions, as well as withdraw cash at your own and third-party ATMs and cash desks. For registration you only need a passport. The interest rate without providing an income statement will be 32%. Depending on the client’s individual assessment, an amount of up to 300,000 rubles is credited to the account. If you wish, you can issue an instant card, which is obtained in half an hour after a positive decision on release.
Making free. For annual service the amount of 1500 rubles is written off. For convenience, it is proposed to use Internet banking, where you can perform any operations without leaving your home. Cashback is returned in the amount of 1%, and the number of accrued bonuses is not limited.
Customers noted that the bank provides advanced credit card features. Receiving is very fast, installments for 4 months can save your own funds and actively use borrowed funds. Despite the fact that the rate is quite high, this card is chosen by many customers who cannot provide documentary evidence of their own income.
Credit Card Renaissance Credit
Rating: 4.5
On the sixth line of the rating is a credit card, which does not have to wait long. It is instant and is issued immediately after approval at the bank office. For the release and maintenance fee is not charged. You should have a passport of the Russian Federation and a second additional document with the borrower. No formal income confirmation required. The limit is set depending on the financial solvency of the client and amounts to 200,000 rubles. The interest rate is calculated on the basis of the tariff plan, ranging from 24.9%.
The grace period is 55 days. During this time, you can make purchases or pay for services without interest and fees. Cashback provided. Remuneration is charged at 1%. During the promotional offers of the month, this figure can reach 20%. The mobile application and online banking are very convenient for the user, who at any time can perform the operation without leaving home. Depositing money is possible through any ATM throughout the country.
Many have pointed out that this is one of the best offers on express lending, which has been approved in almost all applications. Loyalty to borrowers, long-term interest-free use, free service were also highlighted.
Touch Bank Credit Card
Rating: 4.4
The seventh place of the rating is given to the card, which provides maximum opportunities and undoubted benefits for the borrower. The application is sent online. The decision is made very quickly. The credit limit is big enough. With a high individual assessment, the client can receive approval in the amount of up to 1,000,000 rubles. The interest rate starts at 12%. For registration, you must provide a passport of the Russian Federation. No references are required.
Conditions for issuance: age from 21 to 65 and permanent registration. The issue, maintenance and delivery of the card are free (with the exception of the credit limit below 30,000 rubles). Grace period of use is granted for a period of 61 days. Cashback is charged from 1 to 3% (maximum discounts - when shopping in your favorite category). You can replenish your account in any convenient way, for this commission fee is not charged.
Customers noted that the program was developed based on the capabilities of any categories of citizens. It allows you to use borrowed funds without interest and get good rewards when shopping. The low rate makes the loan very profitable, and an instant decision makes it possible not to delay purchases, but to make them immediately after receiving the card.
KVIKU Virtual Credit Card
Rating: 4.3
The KVIKU card is worth taking the eighth line of our rating. It is issued almost immediately after approval of the application (about 30 seconds). The card can be used after receiving its details sms message.Any purchases in online stores are affordable and profitable, since the cashback reaches 30% of the amount. 1 point is equal to 1 ruble. The maximum limit is 200,000 rubles. The initial amount for new customers is 15,000 rubles. Then, with fair use, it increases.
The rate ranges from 29%. Grace period - 50 days. During this time, you can spend money, return it to your account and pay for purchases or services again for free. The undoubted advantage is that you do not need to visit the bank’s office or meet with the courier to get a card. It is not available on plastic media.
The minus was that the card was limited by possibilities and it could not be used to pay loans, withdraw cash, transfer funds to another account. But thanks to the conditions provided, it is very beneficial for purchases with large discounts, which makes it popular among borrowers, requirements for which are only two: Russian citizenship and age from 18 to 65 years.
Conscience Qiwi Bank
Rating: 4.2
The ninth place in the rating is given to a map that has interested thousands of customers who prefer active shopping without additional expenses. Interest-free operations are available when you buy from partners of a financial institution, and today there are more than 40,000 of them, and every day this number grows. Card issue and service are completely free. The contract is valid for 5 years.
The loan amount varies from 50,000 to 300,000 rubles, depending on the assessment of a particular client. At the end of the grace period, the interest rate will be 10%. Internet bank, mobile application, SMS informing are not paid, connected and serviced without fees. Depositing money to the account is possible through the terminals or to the cash offices of partner stores without interest. The penalty for late payment will be 290 rubles.
The card does not provide for cash withdrawals. Many holders have noted that to make purchases in a cashless way is one of the best offers. Depending on the company interest-free installments can be from 1 to 12 months. There was also a quick and free release of the card, clear online applications.
Oriental Bank Credit Card
Rating: 4.1
On the tenth line of the rating is a credit card, for which you only need a valid Russian passport, but this is only provided that the borrower is over 25 years old. An application sent via an online resource is instantly processed. Registration is very fast, and on the same day you can make purchases or pay for services. Cashback is quite profitable. Remuneration when contacting partner companies is 5%, in other cases - 1%.
The limit depends on the decision of the bank after assessing the financial viability of the client. The maximum amount is 300,000 rubles. The interest rate is 29.9% per annum. The preferential terms of using the card are 56 days. Service is free. SMS message will notify on the date of making the monthly payment. You can also download a free mobile app and track your account status.
Replenishment is possible in various ways. Many customers have confirmed that the card is really profitable. It is quickly processed, customers receive a positive response in 99% of downloads. Of the minuses, it was highlighted that borrowers under the age of 25, other than a passport, are required to provide an income statement. The remaining categories of citizens were satisfied with the proposed conditions and tariff.
Gold Home Credit Bank
Rating: 4.0
Next, we include a card in the rating, which is beneficial for performing many operations. Consideration of the application sent online, according to the rules of the bank lasts from 1 to 3 days. In fact, a positive response can be obtained within 30 minutes. Revolving credit line, the maximum amount credited to the account - 300000 rubles. The rate ranges from 29.8% per year. At registration it is necessary to provide the Russian passport. No other documents are required.
Interest free use of borrowed funds is possible for 51 days.The bonus program allows you to make profitable purchases in online stores with cashback up to 10%. Points are credited to the account and exchanged for rubles, which you can pay again for the product or service. Mobile bank, SMS informing is connected free of charge without commission fees for use.
Many card holders noted that the interesting design distinguishes the Gold card from other plastic carriers. It was allocated not only because of its attractive appearance, but also due to the optimal tariff for users. Cash withdrawal is paid, but during the grace period it is possible to make this operation profitably. The undoubted advantage was considered free release and maintenance in the first year of use.
Credit card Bank Avangard
Rating: 3.9
Our rating is completed by a card, the rate of which differs by a low interest rate starting at 12%. It can be increased in the presence of overdue loans. The bank considers the online application in a very short time based on customer data. To obtain the required only a passport of the Russian Federation without additional documents confirming the person, and a certificate of wages. The limit is set by a financial institution, and it can reach 1,000,000 rubles.
Mobile and Internet banking, SMS alerts are connected for free. Cash can be withdrawn at any ATM, but the daily and monthly limit is set. Interest-free use of borrowed money can last up to 200 days. In this case, the cash withdrawal operation does not apply. Interest on it is charged immediately after receiving the money on hand.
For the first year of service you will have to pay 600 rubles. But the bonus for active users was the offer of interest-free account management for the second and subsequent years, provided that purchases are made continuously and the turnover is in accordance with the established tariff. The card is very beneficial to bona fide borrowers who do not allow delays even for 1 month. For them, financial analysts recommend this card.
Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.
