10 best credit cards for cash withdrawal

A microcredit card with a fixed commission. Allows you to receive money instantly and without interest. This is an excellent solution when finances are needed urgently, but not for long, because with an apparent benefit of 0% per annum and a similar withdrawal fee, there are some features. With "Money Zero" you don't have to pay off your debt in equal installments divided by the installment period. It is enough to deposit the minimum amount (about 5% of the debt) once a month until the 20th day. The money back deadline is 3 years and 20 days.

You can withdraw money without any restrictions - at any ATM in any country in the world. Credit cards are also accepted in all stores and retail chains. However, for each day of using credit money, you need to pay 30 rubles. With the largest limit of 150 thousand rubles, this will be somewhere around 7.2% per annum, if you withdraw the entire amount during this period. The card is completely free of charge. You will have to give money to the bank only for the issue - only 299 rubles.

Standard credit card with privileges and additional bonuses from the bank. Allows you to use the limit of funds up to 350,000 rubles. There is a 55-day grace period for using credit money, after which the rate will be from 22% per annum. In case of delay in payment, penalties will amount to 64% per annum. It's nice that Intesa allows you to open up to three backup cards with separate settings for each. The institution also gives free SMS-informing with a maximum of details.

In addition, all Visa Gold privileges continue to apply, such as corresponding discounts on certain categories of goods and services. Money can be withdrawn from any ATM, but with a fee. In this case, it is better to look for a bank ATM, since in this case you will have to overpay only 2% with a minimum of 100 ₽. If you decide to cash out in the devices of another bank, then the commission will be 4% with a minimum of 250 rubles.

Rosbank offers to get a relatively new card "Everything is Possible" with a credit limit of 15,000 to 1,000,000 rubles. There is a good grace period here, which also applies to cash withdrawals - 62 days. Tariffs are valid all over the world, so you can safely take it with you on trips. The card provides two bonus programs to choose from. The first is Cashback, which pays up to 3% of purchases in the selected category and 1% on all other expenses.

The second program allows you to accumulate Travel-bonuses that you can spend on hotels, railway and air tickets. For every 100 rubles spent. 5 bonuses are accrued, no more than 5,000 per month. There is no commission when withdrawing cash from “own” ATMs. For cashing out in third-party partner terminals, 1% and 299 rubles are withdrawn. You do not need to pay for annual card maintenance only if you spent more than 15,000 rubles in the previous month. for shopping. If not, then 599 rubles are withdrawn. in a year.

"Halva installment card" from "Sovcombank" compares favorably with credit products of other banks. With it, you can pay for goods in installments using borrowed funds, but for free. That is, you do not pay interest, but simply return the amount spent on purchases in equal installments. Although, of course, this is only possible in partner stores. But this is not associated with any restrictions, because the bank cooperates with more than 230,000 companies from which you can make purchases without overpayments.

However, if you need to buy something not in a partner store, then you can also do it in installments for 2 months, but with a commission: 290 rubles. + 1.9% of the amount. Borrowed funds are also issued at ATMs in installments, but already for 3 months. You can cash out up to 30,000 rubles at a time, but the number of transactions is not limited. The downside is that they charge a commission for this, and, moreover, a rather large one: 2.9% of the withdrawal amount + 290 ₽.

The card from Home Credit Bank is superior to other offers on the market, thanks to simply a huge grace period. With a credit card "120 days without%" you can use the funds for four months and not worry about interest. A huge plus is that these conditions apply to everything: for purchases, and for cash withdrawals and for transfers between accounts. The interest rate is also pleasing and starts from 10.9%. It even provides a bonus program: for purchases with a card, there are points that can also be used to pay for goods and services.

Withdrawal rates do not depend on where you want to make the transaction, so it is not necessary to look for a bank ATM - you can use the nearest one. The commission, unfortunately, is quite large - as much as 5%. Plus there is a minimum limit of 500 rubles. That is, if you withdraw less than 10,000 rubles, you still have to overpay 500 rubles. In addition, there is a daily limit - no more than 30,000 rubles can be cashed out per day.

This is a really convenient credit card for making purchases and withdrawing cash. The interest-free period here is from 90 to 180 days and this is a unique case when the credit card itself determines when you will need to pay interest. The system is simple: the more you make purchases on the card, the longer you will not need to overpay. More specifically: if in the first two months your expenses exceed 60,000 rubles, it will be possible to repay the debt without interest within six months, but if you spend less than the agreed amount, then the grace period will last three months.The annual rate starts from 11.9%.

A credit card is issued free of charge, and maintenance will cost only 199 rubles per month. But even this amount can not be paid if you make payments on time or spend at least 5,000 rubles. per month. You can withdraw cash from any ATM in the world and pay a commission. However, there is a limit - you can cash out no more than 100,000 rubles. per month. It is also worth considering that the grace period is valid only for purchases and does not apply to withdrawing money.

A credit card from Citibank captivates with a non-standard approach: even though there is no cashback, they offer other nice bonuses in the form of pies at McDonald's as a gift for purchases or Yandex.Food promotional codes for its design. The maximum limit of funds is up to 450,000 rubles. with the possibility of almost doubling, up to 1,000,000 rubles. The percentage is not the lowest: from 20.9% to 32.9% per annum and is determined on an individual basis. You can withdraw money from an ATM without a fee. And not only through Citibank terminals, but also from devices of other banks.

However, a high place in the ranking of "Just a credit card" was taken not only because you can withdraw cash from it for free. It's generally free. No issue or maintenance fees to pay, and no late fees (other than a rate increase). But there is a grace period of 180 days, but it is valid only once. What follows is an unremarkable market average of 50 days without interest. At the same time, if you do not miss payments and pay the debt on time before the end of the grace period, then no sanctions will follow.

As you can already see from the name of the card from Raiffeisenbank, its main advantage is interest-free use for 110 days. And this is really cool, because the grace period applies to both purchases and cash withdrawals. The interest rate is average: from 19%, but if you use a credit card correctly, you won’t have to pay interest at all. Up to 600,000 rubles can be approved for a borrower, but it all depends on your financial situation, credit history, etc. etc.

You can withdraw cash without commission. But it was not without pitfalls. The first two months after the card is issued, you can withdraw as much as you like, but from the third, only 50,000 rubles, when withdrawing more than this amount, you need to pay a commission of 3% + 300 ₽. It is also worth remembering that you will always have to pay for cash withdrawal at third-party ATMs: 3.9% of the transaction amount + 390 ₽.

The card "100 days without interest" from Alfa-Bank is a "veteran" among credit cards with an increased interest-free period. At the same time, it is still very popular and will give odds to many “newcomers”. Suitable for both use in the "original" non-cash form, and for cash withdrawals. The limit is up to 500,000 rubles. The grace period of 100 days also applies to withdrawn funds. But it is important to pay the minimum amount (up to 10%) of the debt every month. The loan rate starts from 11.99% and is determined individually.

There is no commission for withdrawing money from an ATM. But only if you withdraw no more than 50,000 rubles per month. Otherwise, the percentage can be from 5.9% and higher. You can also replenish your account for free with any cards. As for service, Alfa-Bank, judging by the reviews, cares about customers and their convenience, so there will be no problems. Negative comments refer to technical nuances and incorrectly completed paperwork by the borrowers themselves or bank specialists.

Tinkoff offers one of the most convenient credit cards for depositing and withdrawing cash. "Platinum" is positioned as one of the best products of the bank, and if we compare the card with competitors, it really has indisputable advantages. Firstly, this, of course, is a large limit - up to 700,000 rubles. and a low interest rate - from 12%. Of course, such an amount will not be approved for a new borrower and the overpayment will be calculated higher, but if you have been cooperating with the company for a long time, you can count on more favorable conditions.

Secondly, convenient replenishment and withdrawal. In addition to its own network of ATMs, the bank has a huge number of partners, so you can replenish your account literally anywhere. With cashing out, the same story - you can withdraw money anywhere, but you will have to pay for it, since there is a commission and, moreover, quite large. The grace period is 55 days, but, unfortunately, it only applies to purchases and does not count towards cash withdrawals and transfers.