12 best installment credit cards
Credit cards have become so popular that today the majority of the adult population of the country chooses such a method of payment for purchases and payments for services. Banks are constantly developing new products and offer favorable conditions to attract more and more customers. Recently, a credit card installment plan has become the most popular. It involves the purchase of goods at the expense of borrowed funds in the partner stores of a financial institution. Fees and charges for this are not provided.
Many people ask the question, what are the benefits of banks from this type of service, and are there any hidden pitfalls here? First, they profit from working with specific outlets that pay them a commission. Secondly, shopping is also beneficial, as they receive in return the influx of new customers who go to them, and not to competitors.
Terms of use of each installment card are different. This concerns the validity period, the number of partners where you can buy products, the limit of funds. We have selected 12 installment credit cards in the rating, which combine the optimal options for the client. In compiling the list, reviews of real users and the opinion of independent financial analysts were taken into account.
Top installment credit card rating
| Nomination | a place | credit card | rating |
| Top installment credit card rating | 1 | Platinum Tinkoff Bank | 5.0 |
| 2 | Conscience QIWI Bank | 4.9 | |
| 3 | Halva Sovcombank | 4.8 | |
| 4 | Freedom Home Credit Bank | 4.7 | |
| 5 | # Instead of money Alpha Bank | 4.6 | |
| 6 | Platinum Russian Standard Bank | 4.5 | |
| 7 | Installment on all Bank East | 4.4 | |
| 8 | Money ZERO MTS Bank | 4.3 | |
| 9 | 120 days without interest Ural Bank for Reconstruction and Development | 4.2 | |
| 10 | 110 days Raiffeisen Bank | 4.1 | |
| 11 | Element 120 Mail Bank | 4.0 | |
| 12 | CARD CREDIT PLUS Credit Europe Bank | 3.9 |
Platinum Tinkoff Bank
Rating: 5.0
The first place is deservedly occupied by a card issued by a famous online bank. His lucrative offers have long appreciated all categories of Russian citizens. The most important thing is the delivery of the card at any time chosen by the borrower to the specified address, which excludes visiting offices and wasting your time. The Platinum card compares favorably with many similar products in that it combines the best conditions and can be used both as a credit and as an installment plan.
The maximum limit is 300,000 rubles. More than 100,000 stores throughout the country act as partners from whom goods can be purchased. Installment is available for up to 1 year. When shopping in other trade organizations, the grace period is up to 55 days. Cashback reaches 30%. Loan payments are made in equal parts every month.
According to users, this is one of the best financial products on the market today. To obtain it you only need a passport. Ready plastic carrier is delivered directly to the hands. An undoubted advantage was the opportunity not only to make purchases, but also to perform many other options: you can withdraw cash from a card, close loans with other banks. Contact phone number: 8800 555 10 10.
Conscience QIWI Bank
Rating: 4.9
In the second place is a credit card, which many Russian shopaholics could appreciate.50,000 partners throughout the country make it possible to buy goods from various manufacturers, as well as pay bills in restaurants and cafes. The installment period varies from 1 to 12 months. The maximum limit is 300,000 rubles. It is allowed to spend all the amount provided for purchases.
Special mobile application allows you to control the debt and find out the exact date of depositing funds into the account. At the end of the installment time, the credit rate is 10%. Early repayment is made without penalties and commissions. If you need to pay for goods not with the partners of the bank, you can use the card as a credit card with a grace period of 2 months. SMS alert, mobile and internet applications - 0 rubles.
Many card holders have allocated a fairly quick registration, free service, depositing money into the account in various ways, the possibility of contactless payment, connecting options to increase the installment period or use it abroad. All additional questions can be asked on the toll-free phone number: 8800200 00 59.
Halva Sovcombank
Rating: 4.8
Halva is a popular financial product that allows you to spend borrowed money on purchases without commissions and interest. She has a bronze rating. The amount that can be used for personal purposes, sets the bank. With faithful observance of the contract, it increases. The maximum limit is 350000 rubles. An application sent online is instantly processed. The answer does not have to wait long. After 5 minutes, the applied citizen will find out about the decision.
Production and maintenance of the card is free. At the request of the client, you can order a personalized plastic carrier with an individual design for 2000 rubles. Installment is available for up to 12 months. After the end of the grace period the rate is 10%. In your account, you can track the date and amount of payments. Currently, the bank cooperates with more than 140,000 stores. These are quite well-known trade organizations, therefore they completely satisfy the demands of customers. The contract does not apply to a non-partner network.
Borrowers were satisfied with the terms of Sovcombank. In addition to interest-free installments, benefits from purchases in the amount of cashback up to 5%, instant issuance of cards, free issue, service, personal account and application were noted. You can learn about the current offer by phone number: 8800100 00 06.
Freedom Home Credit Bank
Rating: 4.7
A worthy fourth place in the rating is given to a card that can be used for paying in stores, restaurants, cafes, not only in Russia, but also abroad. The affiliate network covers more than 30,000 trading institutions, and every day it becomes more extensive. Installment is not only provided for purchases in partner companies. If the store is not included in the network, then the period is 3 months, if included, then up to 1 year.
The maximum allowable limit is 300,000 rubles. The application is quickly processed. To obtain a card, you will need a passport of the Russian Federation and a second document confirming your identity. If desired, the courier can deliver it to the specified address. A credit card is available to customers from the age of 18. Zero interest rate increases to 10% after the installment period. You will have to pay a penalty in the amount of 17.9 - 34.9% for skipping the payment. Contactless technology connects. Full information about the payment schedule and amounts can be found on the site in your account, in a mobile application or via SMS alert. These features are completely free.
Map options were rated positively. Many liked “Freedom +”, which, if connected, allows for a monthly payment to be skipped without a fine (it costs from 590 rubles) and extends the installment period. Contact phone number: 8800700 80 06.
# Instead of money Alpha Bank
Rating: 4.6
Fifth place in the rating is given to a card that is recommended by both ordinary borrowers and bank analysts.It is issued very quickly, so shopping lovers will not have to wait, and you can immediately start shopping. An undoubted advantage is that you can pay it not only in partner companies, but also in any other stores.
The amount is calculated based on the individual assessment of the borrower. It varies from 5,000 to 300,000 rubles and may increase if the contractual conditions are met. The grace period for the affiliate network is up to 24 months, for other trade organizations - up to 30 days. After this period, the interest rate will be 10%. Early repayment is possible, with no fines and commissions card holder will not pay. Cash withdrawal is not provided.
To control the account and do not forget about the next payment will help the mobile application. For convenience, there is a contactless payment option. According to reviews, many have identified the opportunity to make purchases, not only in Russia but throughout the world. If you have any questions, you can ask them on the website online or by phone number: 8800200 00 00. Operators will advise on bank offers and help you find the best.
Platinum Russian Standard Bank
Rating: 4.5
Bank "Russian Standard" provides favorable conditions for using a credit card. Platinum - on the sixth line of the rating. It is available to citizens from 21 to 65 years. After consideration of the application with a positive decision on the finished card the amount credited to 300,000 rubles. You can pay for the selected product not only from the bank’s partners, but also in stores that are not part of this network.
The maximum installment period is 1 year. Interest-free period when using a loan - up to 55 days. Payments are made in equal installments monthly. A distinctive feature of this card is the possibility of free cash withdrawals at any ATMs (not only in our own, but also third-party) in Russia and abroad. Depositing funds to an account is carried out in various ways: by postal transfer, through terminals and cash desks, online through a personal account or a mobile application.
Users have a very high cashback. It can be up to 30%. The respondents noted that the bank offers advantageous conditions, while there are no hidden fees or payments. Everything corresponds to contractual obligations. The card can be obtained very quickly, without collecting references and providing additional documents. Toll-free number for all regions of the Russian Federation: 8800200 62 00.
Installment on all Bank East
Rating: 4.4
The seventh place in the rating was given to the map, which combines several useful options. She can pay in any stores, including on the Internet sites. The installment period is up to 90 days. This applies not only to purchases, but also to cash withdrawals. The application is sent via the website, and upon approval, the client receives the instant card on the same day. The maximum available limit is up to 300 thousand rubles.
Making monthly payments is available in various ways. Internet banking and mobile applications are very convenient to control the balance of funds. These features are connected for free. Cashback of up to 40% is available only when shopping in online stores. The bank offers to participate in various promotional programs. So, the action “Bring a friend” will give 1000 rubles for each new client.
The “Installment for All” card is beneficial for bona fide borrowers. Those who, for whatever reason, missed the obligatory payment, will have to pay a fine of up to 2,000 rubles. Full information about the map is placed on the site. If you have any questions, the operators will answer them at the number: 8800100 7100.
Money ZERO MTS Bank
Rating: 4.3
For those who like to make purchases without waiting for a salary and not saving money to purchase the right product, MTS Bank offers to use the Money ZERO card. She ranks eighth in the ranking. After filling out the application within a few minutes, a response is received in the form of an SMS message. The maximum limit is 150000 rubles.The card can be picked up at a nearby branch of the bank or the MTS mobile phone store. Requirements for the borrower are loyal: age over 20 years and the presence of a passport of the Russian Federation.
For registration of the card will have to pay 299 rubles. It will be serviced without commission fees. The interest on the loan is 0. If the client starts using the card, then a fixed amount is charged daily from the account - 30 rubles. Cash can be withdrawn at any ATM across the country and abroad. This service is free, there are no commissions.
Mobile application and online banking are very convenient. Shopping can be paid in a contactless way. Customers left positive feedback on the map. It combines several convenient options, which is an undoubted advantage for different categories of borrowers. All noted a variety of payment options, which allows you to quickly make payments using the currently available method. 24-hour contact number: 8800250 05 20.
120 days without interest Ural Bank for Reconstruction and Development
Rating: 4.2
On the ninth line of the rating is a card on which you can delay the payment date to 120 days. After a positive response, it is issued instantly and it can be used not only in our country, but also abroad. Available limit at a high appreciation of the borrower - 300,000 rubles. The requirements are quite standard: citizenship of the Russian Federation, age from 20 years, work experience in the last place for at least 3 months, permanent registration.
When making up to 100,000 rubles. only a passport of the RF is provided In some cases, the bank may ask for an income statement. Over 100000 r. - it is required. The financial organization has no partner network. Installment valid for 120 days. It can be both purchases in stores and on Internet sites, and cash withdrawals.
If there is no obligatory payment on the account, the client will be charged 3% of the amount. In case of repeated violation of the contractual terms, the interest rate for the loan is charged at a rate of 29% per annum. Borrowers appreciated the availability of a cashback, the ability to deliver a card by courier absolutely free, a fairly long interest-free period, which applies to all account transactions. For advice, you can contact the toll free number: 8800100 02 00.
110 days Raiffeisen Bank
Rating: 4.1
The tenth place is for a banking product, with which it is possible not only to pay for goods, but also to perform various operations, including cash withdrawals. You can also use not only borrowed, but also your own money. Maximum credit is one of the largest among the cards represented in our rating. Its amount can reach 600,000 rubles. Plastic media instant. It is issued on the day of treatment.
Proof of income is required. Help is available on request for more favorable credit conditions. The cost of annual maintenance depends on the monthly amount spent. With more than 8000 rubles - the fee is not charged, with a smaller parameter - 150 rubles per month. Grace period - 110 days. It applies only to payment of goods and services. The minimum monthly payment can not be less than 4% of the amount of funds already used. Contactless payment technology provided.
Many borrowers liked the universal card, which acts not only as an installment plan, but also as a full-fledged credit card. The advantage identified optional registration in the region of the presence of the bank and receive a card. Additional information can be found on the official website or by phone: 8800770 75 62.
Element 120 Mail Bank
Rating: 4.0
On the eleventh line of the rating is a card with a maximum limit of up to 1,500,000 rubles. This is the absolute leader in this indicator. You can pay for any purchases in installments of up to 4 calendar months in all trade organizations in Russia and in online stores. In case of late payment during the grace period, the bank will charge 22.9% per annum on the remaining amount.
The advantage is a light design. The application can be submitted online, at the sales counter or in customer centers.The decision is made within 5 minutes. After SMS informing about the readiness of the card, you can pick it up at any nearby post office. If desired, you can order a personalized plastic carrier and deliver it by courier to the specified address.
With a useful bonus, customers noted an extended bank guarantee on purchases and insurance of goods purchased from online stores against loss, theft or damage during delivery. Insurance is valid for 90 days from the date of payment. Additional options allow you to select the most appropriate date for monthly payments, as well as debit the required amount from another card when activating the Auto Repayment service. Contact phone number, toll-free for all regions of Russia: 8800550 07 70.
CARD CREDIT PLUS Credit Europe Bank
Rating: 3.9
Finishes ranking the best credit cards installments financial product with good conditions for users. The maximum limit is high. He is 600,000 rubles. Issuance instantly after a positive response to the application. It can be submitted by a citizen of the Russian Federation who has reached the age of 18. To enter into a contract you need only a passport. When the amount of more than 350,000 rubles. proof of income is required. Registration and annual maintenance are free.
When purchasing goods from partners of the bank, the installment period is from 2 to 12 months. When shopping in other stores, there is a grace period - up to 55 days free of charge. Cash withdrawal is possible, but 4.9% is charged for this operation (but not less than 399 rubles). In third-party ATMs, the commission will be 5.5%. It should be noted that abroad you can get cash in the terminals completely free of charge.
Interviewed users identified an extensive affiliate network, quick receipt, various ways to deposit funds into the account, free production of an additional card. Many noted the transparency of payments without hidden fees and additional fees. Calls from all regions of the Russian Federation are provided with a toll-free telephone number: 8800700 77 57.
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.
