Our service is ready to analyze current offers and choose the bank with the lowest interest.
Pick up
Wait, we're picking best deal: 17.0% credit.
We have selected several advantageous offers from banks with 12.0% per annum on the loan.
The form to fill out is below.
If you need a small amount of money, then a credit card with a grace period for cash withdrawal will help you solve this problem quickly and without unnecessary overpayments. However, not all banks offer such a credit card. Often you can find cards with a grace period only for the purchase of goods. IN this material consider which ones offer a grace period for cash withdrawals.
Credit card with grace period
Before ordering a card, you should understand what a grace period is. The grace period is considered to be the time period that begins from the moment the loan funds are used until last day payment period.
No interest is accrued during this time period, provided that the repayment of the debt on the loan occurs before its expiration.
If no compensation has occurred, then the interest-free period is reset to zero, and interest is accrued on normal terms.
Important! Based on the above, it is very important to make timely cash to the current account and repay the loan before the last day.
Depending on the bank, the duration of the grace period can vary significantly. So, for example, Alfa-Bank offers to receive cash without adding interest for up to 100 days, and a credit card with a grace period for withdrawing cash from Sberbank is not provided at all, only for the purchase of goods.
Banks
- Vostochny Express Bank (60 months).
- Alfa-Bank (100 days).
- RosBank (62 days).
- Moscow credit bank(55 days).
- VTB 24 (50 days).
Below we will take a closer look at each bank and try to identify weaknesses.
Eastern Express Bank
- Credit rate - 0%.
- The financial limit is up to 120 thousand.
- The grace period for cash withdrawal is 60 months.
- No card issuance fee.
- Technical support - 0-30 rubles per day (if there is a debt).
- Informing via SMS - 89 rubles per month.
Credit card Just from the Orient Express bank differs in the most long time interest-free use of finance from existing banking products and the complete absence of commission. If there is a debt on the card, 30 rubles are charged daily for service. The accrual stops after the full repayment of the loan. TO negative aspects can be attributed to the increased fee for SMS alerts.
This option will be of most interest to those who need a credit card with a grace period for cash withdrawal without commission.
Alfa Bank
- Annual accrual - 24%.
- Credit limit - 300 thousand.
- Grace period - up to 100 days.
- There is no production fee.
- Technical support - 1490 units national currency in year.
- Transfer fee - 5.9%, minimum - 500 rubles.
For old customers of the bank, it is possible to issue a card without certificates, according to two documents. If you withdraw money from ATMs of the bank in the amount of not more than 50 thousand per month, the commission is not charged. It is possible to produce plastic with a chip for contactless payment shopping.
TO weaknesses cards include a small withdrawal threshold, a large commission when it is exceeded, and the availability of payment for SMS alerts.
Rosbank
- The annual rate is 26%.
- Credit limit - up to 1 million.
- The grace period is up to 62 days.
- Commission for cashing out - 4.9%, minimum - 290 rubles.
The positive aspects of Rosbank products are high level limit, regarding low rate and annual service.
Vulnerabilities are considered to be high fees for withdrawing funds, including their own, tangible penalties for the occurrence of late payments and a commission fee for SMS service.
Credit Bank of Moscow
- Bank rate - from 24%.
- Credit limit - up to 300 thousand.
- Grace period - up to 55 days.
- Payment for production is not charged.
- Annual maintenance - 890 rubles.
- The cost of cashing out is 4.9%, the minimum is 250 rubles.
The advantages of this banking product include the accrual of bonus points when paying for goods, the ability to install a contactless payment chip, the absence of income verification requirements, and the accrual of funds to own funds on the card.
The weak sides are the high commission fee for withdrawing money, the availability of payment for SMS services and the presence of registration in the city of Moscow or the Moscow region.
VTB 24
A credit card with a grace period for cash withdrawals from VTB 24 has become widely known due to its wide cashback system and the return to the account of the commission for cash withdrawals from third-party ATMs.
- Bank rate - 26%.
- The financial limit is up to 1 million.
- Grace period - 50 days.
- No production fee.
- Availability of cashback.
- Bonus program.
There may be no service fee if the average monthly account balance exceeds 15,000 rubles. Otherwise, the annual maintenance is about 3000 rubles.
Main strengths cards are considered cashback and bonus program. They are also vulnerable points, since you can connect only one service, and you can change it once a month. The high cost of service also repels customers.
Attention! The conditions listed are approximate. Exact information will be issued by the bank after individual consideration credit card applications, financial condition the borrower and his credit prospects.
Most banks offer their payroll customers a credit card with a grace period for cash withdrawals using a passport. Income information is generally not required. If you receive wages in one of these banks, we recommend that you first contact the employees of your banking institution to clarify the conditions for obtaining a credit card.
The received cards meet all banking requirements. Therefore, customers can independently dispose of credit funds, depending on their personal needs.
Credit cards without bank interest provide an opportunity to avoid paying cash fees for withdrawing cash from an ATM. The client can save money while using all the funds on the personal account. The main condition for using this card is full repayment loan within 50 days, 55 days, 60 days, 90 days, 100 days, 120 days, 200 days or 250 days. If all requirements are met, the user can avoid commissions and mandatory payment of interest rates on the loan. There are several advantages of an interest-free card:
- saving money when paying off a loan;
- favorable credit conditions;
- the ability to choose a card;
- cash withdrawal at any ATM;
- availability of cards for all citizens.
Instant cash withdrawal with interest-free is possible at any ATM that supports Visa or MasterCard. One of the main features of use is access to functions in a personal account on the bank's website. The client can independently track the movement of funds and control the calculation of loans. Also, credit cards do not have daily limits, which allows you to make expensive purchases in one payment.
Get a credit card for a period of 100 days without interest
Registration personal card with cash withdrawal without interest is possible via the Internet. To apply, you do not need to visit a banking institution or stand in long lines. It is enough to fill out a questionnaire on the official website, while the client does not have to provide a detailed personal information. When registering, you may need your full name, phone number and a copy of your passport. The whole procedure takes about 5 minutes. You can quickly issue a card through the site if you have a computer or any other gadget with the Internet.
Steps for issuing a personal credit card:
- Filling out an application on the official website.
- Receipt of the card in hand (via courier or by mail).
- Carrying out the activation of a credit card through the phone.
- Transfer of the amount of funds specified in the contract.
- Use of the card.
Most users do not know how to cash out in case of providing a credit card service. In such a situation, you can contact the technical service for help. Also, during registration, it is recommended to read the reviews of real customers who are already registered and use a credit card. The total period of using the card on preferential terms can be changed at the discretion of the user, taking into account the rules of the institution. The ability to withdraw money is available after activating the credit card.
Online application for a credit card without interest for cash withdrawals
Thanks to the submission online applications Applying for a credit card can save you time and money. To conclude an agreement and receive a loan, it is not necessary to be present at the bank. Express money services are quite in demand in the domestic space. Therefore, if you need to take a cash loan, it is best to contact the bank and apply for a card online.
Credit cards with a grace period for cash withdrawal - a unique opportunity to use the bank's funds for free for cash. Despite the ubiquity of card payments, there are still many shops and places that accept only cash. With the help of such plastic, the borrower will never become a hostage to a situation in which you need to pay for all services and goods only by card. You can see the convenience of this solution and apply for a credit card with a grace period for cash withdrawal through our project. To do this, you need to fill out a short online questionnaire for the selected card and wait for a call from a bank employee who will inform you of the decision.
Alfabank credit card with 100 day grace period
Credit card of VTB Bank of Moscow
Grace period for cash withdrawal is one of the most popular categories of cards. The owners of such plastic can withdraw money from an ATM and pay for purchases by card using a credit limit without interest during the entire grace period.3 most popular credit cards with a grace period for cash withdrawals
The table shows the terms of service of some of the most popular credit cards in this category.
| Credit terms/ Credit cards with cash withdrawal grace | 100 days from Alfa-Bank | Clear credit card from OTP Bank | Low interest from VTB Bank of Moscow |
|---|---|---|---|
| Credit limit | 300 thousand rubles | Up to 1.5 million rubles | Up to 750 thousand rubles. |
| Minimum % rate | 23.99% per annum | 34.9% per annum | From 23.9% per annum |
| Maintenance cost | 1490 rub. in year | Is free | The first year is 1500 rubles, starting from the 2nd year - 3000 rubles. If the client maintains a turnover of funds for the year of at least 300 thousand rubles, then the service fee will not be charged from the 2nd year. This means that the client needs to spend at least 25 thousand rubles on the card. |
| Grace period in days | 100 days. Grace applies to all card transactions | 55 days. Grace does not apply to cash withdrawals. Under this procedure, immediately accrued interest rate according to tariffs | 50 days. Grace applies to cash withdrawals and purchases |
| Commission for withdrawing cash from bank ATMs | Free up to 50 thousand rubles. behind calendar month. If the cardholder exceeds the specified withdrawal limit, he will have to pay a commission of 5.9% of the amount, but not less than 500 rubles, for the following transactions. | Is free | 4.9% + 299 rubles |
| Cashing out in devices of third-party banks | Similarly | Is free | 4.9% of the amount + 299 rubles |
| SMS bank | 59 rubles | 59 rubles | |
| Additional bonuses | Not | Not | Up to 10% cashback in special categories |
Comparing all 3 products, you can immediately exclude the VTB Bank of Moscow card from the list of the best. Yes, it has a good credit limit, low interest rate and cashback, but it has a high commission for cashing out the credit limit, and maintenance costs 3,000 rubles per year. This is quite expensive for a credit card with similar conditions.
Among the contenders for the 1st place were the cards of OTP and Alfa-Bank. "Clear Card" wins due to free service, no commission for withdrawing the credit limit at ATMs, high credit limit.
The Alfa-Bank card looks preferable in such an aspect as the interest rate and the grace period. It is more than that of OTP by almost 2 times. These are serious pluses, but the cost of annual maintenance of 1490 rubles crosses them out.
It will be more profitable for the borrower to issue a credit card with a grace period for cash withdrawals at OTP Bank.
If you're considering a credit card with a grace period for cash withdrawals, don't forget to look at other service options as well. Sometimes they play big role. When choosing a card, pay attention and compare the following indicators:
- Cash withdrawal fee. For example, it is silly to issue credit cards with a grace period for withdrawals if they have a high fee for withdrawing funds. If you choose plastic with this parameter, then you need to give preference to cards for which no commission is charged for withdrawing cash from ATMs at all. This will be the best option.
- Service cost. The lower the price for servicing the card, the more profitable it will be for the client to use it.
- Interest rate. If the borrower fails to meet the terms of the grace period, the bank will charge an interest rate on the balance of the debt. The lower it is, the better for the client.
- Credit limit. You need to pay attention to the minimum amount of the limit. Sometimes the conditions of banks are such that the minimum limit starts from 30-50 thousand rubles. For borrowers from the periphery with a salary of 12-15 thousand rubles. such maps will be irrelevant. The bank may refuse to provide even the minimum limit.
Popular Borrower Questions and Answers
Where can I quickly get a credit card with a grace period for interest withdrawal?Answer: If you look at the cards indicated in the table, then the plastic of Alfa-Bank and OTP Bank is issued most quickly. The cards will be unnamed, so they are issued on the day the application is approved. The client can immediately order personalized plastic, and while waiting, use instant-release plastic. When the personal credit card is ready, the borrower will need to exchange it for an instant card at the branch.
Can I get a credit card with a grace period for cash withdrawals without refusal?
Answer: In credit institutions there is no concept of "without refusal". The bank can take a negative verdict even on an issue application debit card not to mention credit. Higher chances for positive decision will be in loyal banks: OTP, Renaissance Credit, Tinkoff and others.
Can I get a credit card with a grace period for cash withdrawal without work?
Answer: No, the borrower must be employed. Some banks require the borrower to be officially employed, while others only need the client to receive a stable informal income. In the questionnaire of some banks, you can select the type of employment: "Freelance" or "Part time", etc. It is better for a temporarily unemployed client to contact such organizations.
A grace period is offered by many banks to credit card holders. However, its period rarely exceeds 60 days. But there are banking products with a grace period of up to 145, 200 or 1850 days.
Grace period lending provides an opportunity to use borrowed money for free. Banks often set it for credit card holders, but with some reservations. The following conditions must be met:
- The debt is repaid in full;
- The client paid at the store (or paid for services).
Some financial institutions have a grace period for cash withdrawals, but this is rare. After all, a credit card is a means of payment. As a rule, the length of the grace period for lending is up to 50-60 days. Why before? Because it's easier to count. 3 factors are taken into account:
- date of purchase;
- The date the statement was generated;
- The date the minimum payment was made.
For example, if the statement is generated on the 5th day of each month, then purchases made on the 6th will be subject to the maximum period: until the 5th day of the next month, information about the client’s debt is accumulated, it gets into the statement, and after that there is up to a month to close the debt. In different banks, the schemes differ slightly, so the calculation plan is always the same. The exception is credit cards with a long grace period. Here banks offer other payment options. A prerequisite is to make a monthly payment on time and in the right amount, and by the end of the grace period, completely close the debt.
Below we will consider in turn credit cards with a maximum interest-free period of banks Promsvyazbank, Avangard, Post Bank, Vostochny Express, and also provide a comparative table.
Currency card Premium Grace from Promsvyazbank
This is a premium credit card designed for travelers. She has a free service, the limit is from $450 and €500 to €114,000 or $115,000. This product has a long grace period and covers the first year of use (365 or 366 calendar days).
After the end of the first year-long grace period from the second year, it will be up to 55 days. According to the bank, there are no restrictions on transactions. The standard lending rate is 9.9% per annum. For the convenience of obtaining information on transactions, an SMS notification service is provided, the cost of which is 1 euro / dollar.
Product Features:
- The security of operations is guaranteed by an electronic chip;
- PayPass system for instant payment in stores with one touch;
- The bank promises a lower conversion rate when replenishing from accounts in another currency through Internet banking;
- Monthly minimum payment – 10%;
- It is possible to urgently start card payments, but you will have to pay 60 dollars / euros for the service.
The product can be issued by persons aged 21-63 at the time of application with registration at the place of residence in the region of the bank's presence. Experience required for last place from year and size wages from 30 thousand rubles (not necessarily this amount should be indicated in the personal income tax, a certificate in the form of a bank signed by the employer will do).
"Supercard" from Promsvyazbank
Another credit card with a long grace period is the Supercard from Promsvyazbank. She has a grace period of up to 145 days. But it is provided only once and exclusively to new customers. Subsequently, its value will be up to 55 calendar days, like most banks. In this case, cash withdrawal operations, transfers, replenishment of electronic wallets will not be taken into account.
Product Features:
- The maximum limit is 600 thousand rubles;
- Minimum payment - 5%;
- Urgent start of settlements - 1,300 rubles;
- Use of PayPass technology;
- Product with an electronic chip.
You can apply for a product at the age of 21-63 if you have a permanent job for at least a year and one landline phone number. To confirm solvency, you will need one of the following documents: a 2-NDFL certificate or a certificate from the employer, a certificate of registration vehicle(car or motorcycle), passport with a trip.
Credit cards of Avangard bank
At Avangard Bank, you can open a credit card with a grace period of up to 200 days. It is provided only once, then the grace period will be up to 50 days. The product is issued for 3 years, while maintaining a certain turnover, no service fee is charged. Depending on the type of product, the amount per month can be 7-40 thousand rubles.
Product Features:
- The maximum limit is 150 thousand rubles;
- Minimum payment - 10%;
- Urgent start of settlements - 1,000 rubles;
- Use of PayPass technology.
You can apply for a card between the ages of 19 and 58 if you have a permanent job and registration.
Card "Prosto" of the bank "East Express"
The "Prosto" card of the Orient Express bank is a unique loan product, which does not provide for the calculation of interest as such. For the use of the bank's funds, the client pays a fixed amount, so we can assume that the entire period of the product is represented by a grace period for lending (and this is up to 1850 days).
No issuance fee, annual maintenance is 950 rubles. from the second year. If there is a debt on the account, the bank withdraws 30 rubles. for every day. There are no other commissions (only for the SMS informing service, but it is voluntary), you can withdraw cash for free. The client will be allocated a small limit - up to 50 thousand rubles.
Card "Element 120" from Post Bank
"Element 120" is a classic credit card with a long first grace period and 3D Secure technology. Chipped with a limit of 10 to 500 thousand rubles is produced. The grace period is up to 120 days and applies to payments for purchases and services.
Product Features:
- The minimum loan amount is 10 thousand rubles;
- The maximum limit is 500 thousand rubles;
- Minimum payment - 5%;
- Cash withdrawal limit - 100 thousand rubles. per day and 300 thousand rubles. per month.
The product is released for a period of 5 years. You can apply for it at the age of 18 if you have at least 3 months of experience at the last place of work.
An example of calculating the grace period
You issued a card on 03/10/2016. and made a purchase on 03/15/2016.
The interest-free period for this purchase is valid until 07/10/2016.
In order to use it, it is necessary to pay the minimum payments before 05/10/2016 and 06/10/2016, and before 07/10/2016 to deposit the amount for the implementation of the interest-free period.
Credit card comparison
To compare credit cards with the maximum interest-free period, the following criteria were used: the length of the first and subsequent grace periods, the interest rate, annual service, cash withdrawal fees, penalties for delaying the minimum payment.
| Product | Account currency | Length of the first LPK1, days | Length of subsequent LPK, days | Interest rate | Annual maintenance | Cash withdrawal | Late fees |
|---|---|---|---|---|---|---|---|
| Currency card Premium Grace | Euro, US dollar | Up to 365/366 | Up to 55 | 9,9 | Not | 4.9% (minimum 5$/5€) | 20% of the amount |
| supercard | Rubles | Up to 145 | Up to 55 | 27,9-34,92 | The first year - 0 rubles, then - 1,500/23883 | 4.9 (minimum 299 rubles) | No data |
| Bank Avangard | Rubles, dollars, euros | up to 200 | Up to 50 | 12-21% -$/€ 21-30% - rub. | 600 rub. or | 5-8%, min. 200 rub. | 1,5% |
| "Just" | Rubles | Before 1850 | – | 0% | From the second year 950 rubles. | Is free | 0.1% for each day |
| "Element 120" | Rubles | Up to 120 | Up to 120 | 27,9% | 900 rub. | 5.9%, min. 300 rub. | No data |
- - Grace period for loans.
- - Depending on the tariff plan.
- - If the account turnover is less than 30 thousand rubles.
- - The first year for a number of cards - 900 rubles.
- – Depends on the ATM (own or third-party bank).
Judging by the table, the “Prosto” card has the longest interest-free period: it is the entire period of using the product. However, in this case, a completely different settlement system is used: the client pays 30 rubles for each day. if he has debts to the bank, regardless of the amount. Such conditions cannot be called favorable.
The second place is the Premium Grace currency card. However, it opens only in dollars or euros.
Only Post Bank has a grace period for the entire validity period of the card, but the interest is high - 27.9%. Avangard has a good rate, but 200 days is a one-time promotion for new customers. Then the length of the grace period will not exceed 50 days.
Thus, most banks provide a long interest-free loan period only once and only to new customers. You can take advantage of the offer if you really want to open a credit card. However, the length of the first grace period should not be the only factor in the assessment, it is important to take into account other conditions, in particular service fees, cash withdrawal fees, the use of one-touch payment technology, convenient location of ATMs.
A lot of banks offer to use a credit card for cash withdrawals with a grace period that applies to this operation. But financial institutions There are not so many who do not charge a commission for cashing out funds. In this article, we will look at cards that combine both of these benefits.
Alfa-Bank calls its credit card "100 days without interest" the best for cash withdrawals, and we can agree with this proposal. After all, you can receive funds at any ATM in the world (payment to a third-party bank may be charged) no commission for 100 days grace period, which is one of the longest grace periods in the Russian financial market. The main terms of use are as follows:
- Interest rate - from 23.99% per annum.
- The credit limit is up to 300,000 ₽ for Classic and can reach 1 million ₽ for Platinum.
- Annual service - 1,490 ₽ for new customers and 1,190 ₽ for existing customers with an offer.
But there is one significant limitation - you can withdraw without commission up to 50 000 ₽ per month. Then, for cash withdrawals up to the maximum monthly limit of 300,000 ₽, you will need to pay 5.9% of the withdrawal amount, but not less than 590 ₽. However, the credit card grace period continues to apply.
Just from Vostochny Bank
The card Just from Vostochny Bank refers to, that is, those who have a very long grace period (up to 4 years) and the interest rate on the loan is 0% per annum. At the same time, no commission is taken for cash withdrawal operations, and the daily limit is up to 100,000 ₽ per day and up to 1 million ₽ per month. There are 2 types of such a card under the following conditions:
- Credit limit — up to 70,000 ₽/ up to 100,000 ₽.
- Accrual of interest on the balance of own funds - up to 4% per annum.
But there is one condition - the usage fee is 30 ₽ or 50 ₽ per day if you open a credit limit on the card, that is, for each day using the bank's cash received without commission. The profitability of this type of payment depends very much on the amount of withdrawal and the maturity of the debt.
Zero from MTS Bank
The Zero credit card from MTS Bank can also be attributed to and works in a similar way to the previous one. The difference is that you can withdraw no more than 50,000 ₽ daily without commission, and up to 600,000 ₽ per month. At the same time, the fee for an open limit, which can reach a maximum of 150,000 ₽, will be 30 ₽ per day.
Zero's grace period lasts 1100 days. If the debt has not been repaid during this period, then an additional 10% per annum is charged on the amount of the debt. Issuing a card is paid and will cost the client 299 ₽. You can cash out at any ATM in the world, but an additional commission from a third-party bank may be charged.
Platinum from Primsotsbank
At Primsotsbank, all credit cards allow you to withdraw cash from ATMs without charging an additional commission and with a grace period, but Platinum is most suitable for this task. You can withdraw 30,000 rubles per month. Above this amount, you will have to pay 1.5%, but not less than 150 ₽. The main conditions for using the card are as follows:
- The grace period is 30 days.
- The interest rate is fixed - 19% per annum.
- The cost of maintenance is 3,500 ₽ per year.
The most suitable credit card for cash withdrawals up to 50,000 ₽ per month, we can definitely call "100 days without interest." If you need a large amount for a short period, then you should consider Forgive or Zero, whose daily fee may be more profitable than the commission for exceeding the Alfa-Bank limit. Choose a card with a grace period depending on your situation.
