12 best credit cards for cash withdrawals
Although in recent times many operations have been conducted in a cashless way, cash withdrawals are also in demand among the population. But the client does not want to lose on commission fees and chooses a bank where this service costs minimally. Our ranking includes the 12 best credit cards that are most beneficial for cash withdrawals.
Top credit card withdrawal rating
| Nomination | a place | Name of product | rating |
| Top credit card withdrawal rating | 1 | Just Citibank Credit Card | 5.0 |
| 2 | 100 days without interest Alfa-Bank | 4.9 | |
| 3 | MTS Money Zero MTS Bank | 4.8 | |
| 4 | Platinum Russian Standard | 4.7 | |
| 5 | Halva Sovcombank | 4.6 | |
| 6 | Cash Raiffeisenbank | 4.5 | |
| 7 | Low percentage of VTB | 4.4 | |
| 8 | Clear OTP Bank | 4.3 | |
| 9 | Gold Sberbank | 4.2 | |
| 10 | Platinum Home Credit Bank | 4.1 | |
| 11 | Summer Tinkoff Bank | 4.0 | |
| 12 | Just Eastern Bank Card | 3.9 |
Just Citibank Credit Card
Rating: 5.0
The first place is occupied by the card, which can be obtained without visiting the bank office. The issue order is sent via an online application. The decision is voiced within 3-5 days. The opening is completely free, as well as maintenance during the entire contract period. The undoubted argument in favor of choosing this card is unlimited cash withdrawals at all ATMs of the country without fees. The maximum limit after evaluating the client’s financial solvency is 300,000 rubles.
The interest rate starts at 18.9. For Muscovites, a plus will be the availability of a transport application that will cost 65 rubles. per month. When making purchases and paying for services in a cashless way, you can accrue bonuses and receive discounts of up to 20%. When making a document, a documentary proof of income will be required, and this is one small drawback, although the other conditions are quite loyal and take into account the benefit of the client.
The advantage was highlighted ways to deliver the card after release. This may be a courier transfer from hand to hand, receiving at the offices of a financial institution or post offices of choice. It was also noted that, regardless of the region of residence, you can get cash in any terminals.
100 days without interest Alfa-Bank
Rating: 4.9
The second line of the rating is occupied by the financial product of the largest and most reliable bank in the country, which offers a variety of conditions for customers who actively use credit cards. Tariffs are suitable for all categories of citizens. The most popular card is “100 days without interest.” It allows you to withdraw cash up to 50,000 rubles a month at our own ATMs without paying a commission. This offer is valid during the grace period.
In third-party terminals and in excess of this amount you will have to pay 500 rubles. + 5.9% of the withdrawn amount. The credit limit of the card is up to 300 thousand rubles. But it all depends on the individual assessment of each borrower. In case of fair use, the bank may unilaterally increase the limit. The rate starts at 23.9%. For service for the year will have to pay 1490 rubles. The issuance decision can be sent online. The decision is made within 1-5 days.
Customers noted that Internet banking, mobile application and SMS informing are free.Also, cash deposit to the account is not subject to a fee. All identified that both non-cash transactions and cash withdrawals are very profitable, so many people choose this particular financial institution and this credit card.
MTS Money Zero MTS Bank
Rating: 4.8
The bronze of the rating goes to the card, which provides the possibility of withdrawing cash without any restrictions at any ATMs in the country and is issued by a large domestic telecom operator. The maximum possible credit limit is up to 150,000 rubles. The interest rate on the loan is 10%. Online application is considered within 2-3 days. In reality, a positive answer can be obtained in a few minutes. For the issue of the card the client will pay 299 rubles.
You can get a financial product at a bank or at any MTS store. Service is free during the whole grace period. And he is 60 months. If there is a debt under the loan agreement, the bank charges 30 rubles. in a day. Any purchases and services can be paid without commission.
Users of the financial product highlighted the presence of contactless payment. The lack of a bonus program was considered a minus, but according to the other criteria the card fully satisfied the holders. To withdraw any amount of cash - this is one of the best deals. For registration of documents do not require an income statement, which is a definite plus. Release is very fast, although paid. Over the years, the financial institution has confirmed its stability and reliability.
Platinum Russian Standard
Rating: 4.7
In the fourth place of the rating is a card, which makes it possible to withdraw a limited amount in cash, but at any ATMs in our country and abroad. Registration is fast enough, as well as the decision to issue. The maximum amount credited to the card is 300,000 rubles. The rate is set based on the tariff - from 21.9%. Opening is free, receipt - through courier or in the offices of a financial company.
For the service will be charged a small amount - only 499 rubles. in year. An advantage for customers making a purchase through the card was installments of up to 12 months. Contactless operations are also possible. To open a loan, you will not need an income statement, and the limit is set based on data from the online application.
Customers noted a rather large interest-free period for using the card, the availability of a cashback of up to 15%. Replenishment of the current account in any way is not subject to a fee. Mobile and Internet banking are very convenient to track and conduct operations, the connection is absolutely free. Platinum credit card is a fairly popular product that is recommended not only by ordinary users, but also by financial analysts.
Halva Sovcombank
Rating: 4.6
The worthy fifth place in the rating is among the popular among the Russian holders of the “Halva” card. Sovcombank created a product that is beneficial for any financial transactions. The limit is 350000 rubles. and set after the individual assessment of the borrower. The issuance decision can be obtained 5 minutes after the online application. Connection and maintenance will not be a financial burden on the client, they are completely free.
The grace period is 3 years. With a contactless purchase at their own expense, cashback is 12%, at the expense of credit - 5%. Bonuses are awarded only under certain conditions. The client must perform at least 5 operations in the amount of 10 thousand rubles a month. The maximum number of points for the billing period is 5000.
Holders noted that the bank provides an opportunity to save money with active shopping, since the partner companies participating in the program currently number around 130,000. Many people liked that the organization is loyal to all categories of citizens, the card is issued very quickly and the more the more you get cash back. The tariff is convenient for various types of calculations. If you need to withdraw cash, it will also be beneficial for the client.
Cash Raiffeisenbank
Rating: 4.5
On the sixth line of the rating is a profitable product from Raiffeisenbank. Although the interest rate on the loan is quite high and ranges from 31% per annum, the cash withdrawal operation is beneficial for the borrower. The maximum limit for a positive credit history and customer solvency is 600,000 rubles. The rate starts at 29% per annum. The application is sent via the Internet. The card is issued at the office of the financial company or is delivered by courier to your home.
Opening is free. For delivery to the specified address, a commission of 390 rubles is taken. For service for the year the borrower will pay 890 rubles. Cash withdrawal is possible both in own and in third-party ATMs. The limit is set based on the limit, but not more than 60% of the amount. The fee is not charged. The possibility of contactless payment of purchases makes using the card more convenient.
Among the minuses, many have identified the provision of income statement, but the bank does not require this document from all borrowers. An advantage was the possibility of delivery without visiting a branch of a credit organization, quick issuance, the possibility of withdrawing large amounts of cash at any ATMs in the country without a fee.
Low percentage of VTB
Rating: 4.4
The map of a reliable Russian bank ranks seventh. Its tariff includes the ability to pay for services and purchases in a cashless way, as well as cash withdrawals in the amount of not more than 100,000 rubles per day, 500,000 per month. The maximum limit is 350 thousand rubles. Available with excellent credit history and proof of income and employment. The interest rate varies from 23.9 to 29.9%.
The application is sent online. The decision is made in 1 day. The card can be obtained at the regional office of the bank. For annual maintenance will have to pay up to 1980 rubles. The grace period is valid for 50 days. Cash withdrawn in any ATM, including third-party organizations. Commission is 299 p. plus 4.9%. The exception is the established grace period when the operation is not paid.
Users noted that when choosing this card, first of all, the stability and financial viability of the bank was taken into account. The proposed credit rate is also beneficial, not only for regular customers, but also for those who first applied to the company. Registration is fast enough, the response to the application is also not long to wait. The loan rate is average. Having a 50-day period is very beneficial.
Clear OTP Bank
Rating: 4.3
A convenient and profitable OTP Bank card is on the eighth line of the rating. You can get it very quickly in the branches of a financial institution after sending your data through an online application. Opening and maintenance is free of charge. When deciding and processing is not required proof of income. The maximum limit is 300,000 rubles.
The rate starts at 26.9%. When using a cash operation, it increases significantly. Contactless payments are not provided. There is no cashback. Cash withdrawn at any ATM. The limit imposed by the bank is up to 45,000 rubles per day. The grace period is up to 55 days and is valid for all operations.
Customers noted that the card is available for all categories of citizens. Requirements for borrowers are quite loyal, the maximum amount can be obtained without problems, the design does not cause any particular difficulties. A credit card provides for various transactions, including cash withdrawals. This can be done at any ATM across the country. And although it has no additional features, it is very profitable and fully justifies its name.
Gold Sberbank
Rating: 4.2
The ninth place in the ranking is taken by the card that was chosen not only by Sberbank's already existing clients, but also by citizens who first applied to this financial institution. It is available promptly and completely free of charge.Service for the year - 0 rubles. The credit limit is set in the range of 50,000 to 600,000 rubles. The rate starts at 25.9%. When withdrawing cash at own ATMs, no commission is charged. In third-party terminals, it will be 3-4%.
The amount of cash withdrawal is limited to hands - up to 100,000 rubles. in a day. Preferential terms are valid for 50 days and apply to any operations. The bonus program “Thank you” is considered one of the best among many others offering by banks. It provides for payment of services and purchases of accumulated points. A large number of partner companies allows them to be used in various situations with significant benefits for themselves.
Borrowers noted that the card combines all conditions that are optimal for using a loan and performing any operations. The reliability of the bank is one of the main arguments when choosing this financial product. Cash withdrawal is one of the most profitable when you contact Sberbank ATMs.
Platinum Home Credit Bank
Rating: 4.1
Platinum entered the top ten cards for withdrawing cash from our rating, which makes it possible to make purchases in a cashless way and receive cash on hand at a very reasonable rate. The credit line is up to 300,000 rubles. Interest rate - 29.8. The application is sent via the Internet resource. The decision can be made instantly, and may increase to 1-3 days.
The grace period is 51 days. During this period, all transactions are not subject to a fee. Cash can be obtained at all ATMs. This service is paid. 4.9% of the amount will be withdrawn from the account, but not less than 399 p. Various bonus programs are available for customers. Cashback returns up to 1.5% of purchases made.
Borrowers noted that the card is economically viable, and the tariff plan is optimal, without high interest rates and commissions. For registration does not require a large package of documents, the decision and the receipt does not take much time. The loan is revolving with good faith to the contractual terms. And although the rate for cash withdrawal is quite high, when you make this operation during the grace period, you can save money.
Summer Tinkoff Bank
Rating: 4.0
The eleventh place in the ranking goes to the card of one of the best online banks in the country. The decision is made within a few minutes. The courier brings the card to the specified address and passes it personally to the customer. At registration, no proof of income is needed. Cash withdrawn without restrictions and without commission fees in all ATMs of the country. Credit limit is 300,000 rubles. The interest rate on the use of funds - 29.9.
The tariff is very beneficial to those who actively make purchases in a cashless way. Cashback is set between 1 and 5%. One point corresponds to one ruble, which is returned to the account. Bonuses can always be exchanged for money in a mobile application or online banking and make new purchases. Replenishment of the current account is carried out free of charge by any means possible. The cost of maintenance per month is 99 rubles. Contactless payment provided. For 55 days, there is a grace period for all operations.
All borrowers were satisfied with the card tariff plan. It provides optimal conditions for any operations, and the presence of a grace period allows not to spend money on commissions.
Just Eastern Bank Card
Rating: 3.9
We complete the rating with a card, which is characterized by a favorable rate and convenient conditions for cash withdrawal. After sending the application the answer comes within a few minutes. If you wish, you can issue an instant card or name. The release is absolutely free. Service without a fee. If there are debts and violation of contractual conditions, it will be 30 rubles per day.
The limit is set from the individual assessment of each borrower. The maximum amount credited to the card is 120 thousand rubles. The interest rate is very profitable - 10% per annum.Cash can be withdrawn at any ATM without limit on the amount and payment of commission. After shopping in online stores, a large percentage is returned - up to 40, subject to transactions through bank services. The grace period is valid for 60 months.
In the minuses they singled out the requirement of the bank for the provision of a certificate of income to persons under the age of 26 years. The plus was free registration and maintenance, quick consideration of the application, the possibility of interest-free purchases, big discounts, getting into the hands of any amount without restrictions and at any ATM throughout the country.
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.
