Top 10 Installment Credit Cards

"Money Zero" from MTS Bank - plastic with very unusual conditions and installments for everything for up to 1115 days. During the grace period, a fixed commission of 59 rubles will be debited from the account for each day the money is used. It is charged only if there is a debt. So it is suitable either for large purchases close to the upper limit of the credit limit of 150 thousand rubles, or for short-term lending. Installments are provided for 3 years and 20 days. The minimum payment at this time is 5% of the debt, but not less than 500 rubles, plus the amount of the commission. This amount and the service fee must be returned by the 20th day of each month. After the installment period expires, the loan rate will be 10% per year.

I am glad that all payments and withdrawals from an ATM can be made without commission. You don’t have to pay for the service either - just pay 299 rubles for issuing an installment card. The option is bad for small purchases - the annual "percentage" (if you recalculate the commission) turns out to be sky-high. But if you need to spend the entire maximum credit limit, then you will get a commission equal to 7.2% of the amount per year.

Credit card "Cash" from the Ural Bank for Reconstruction and Development has a relatively small limit of up to 150,000 rubles and an impressive grace period of up to 1094 days.Plastic implies an additional commission for each day of service in which there was a debt on the account. The amount of the commission is 1 ruble for every 1000 rubles of debt, but cannot exceed 60 rubles per day. After the end of the grace period, the interest rate for using the funds will be simply ridiculous - 0.01% per annum, but there is no doubt that the client will more than pay the bank for using the funds with daily commissions.

You do not need to verify your income to receive the card. The minimum monthly payment is 1% of the debt. The card is issued free of charge. The bank admits the possibility that one client has several such credit cards, for each of which there will be an individual grace period for installments.

A partially free installment card from one of the most customer-oriented, judging by the reviews, banks in the country. It is comfortable, it is reliable, it will suit almost everyone. The installment plan is valid in all stores, and the bank's partners are ready to provide a discount of up to 50% for each purchase.

I am glad that this card has an impressive credit limit - up to 600 thousand rubles, while most other products of the same kind - in the range of 300-500 thousand. At the same time, it is issued without confirmation of income or certificates: it is enough to indicate the data of the passport. So with its help you can pay even large purchases. Of course, if you have time to return them in 110 days of installment.Because in case of going beyond it, you will have to pay at least 19% per annum for purchases and 49% for cash withdrawals and equivalent operations. Getting free service with this card is as easy as shelling pears: it is enough to spend at least 8,000 rubles a month so that no fee is charged for the card. Otherwise, you will have to pay 150 rubles.

The Platinum credit card from Russian Standard Bank, with proper use and understanding of all the nuances, will become an excellent financial assistant. Installments on it can be up to two years, but the conditions for its provision depend on whether the seller is a partner of the bank. If yes, then a free installment plan for up to 12 months is possible, and to receive the service for a longer period, you will need to pay a commission.

When connecting an installment plan for out-of-network purchases, a partner also needs to pay an additional commission in the amount of up to 1999 rubles, which is included in the first payment. The card is issued free of charge, service costs 79 rubles per month, but will be free for purchases over 15,000 rubles. The interest rate outside the installment plan is from 9.5%, the minimum payment is 3%. Plastic implies the possibility of obtaining privileges in the form of cashback and discounts.

Installment credit card that works in any store. Home Credit Bank offers a limit of up to 300 thousand rubles and up to 12 months of installments with partners. The installment card also works in stores outside the partner network.However, there is a separate credit limit for purchases in “foreign” stores, and the grace period in them is only 51 days instead of 12 months for partners. After the end of the grace period or installment plan, the annual rate on the money spent will be from 17.9%. You cannot withdraw money from the card.

You can get a card simply by passport with work experience of 3 months or more. You don't need to verify your income. Registration in the region where the card was received or the presence of the bank is not required. The main advantage of the installment card is in the additional program "Freedom +", within which the client can manage his installments with partners. Thanks to the service, you can increase the installment plan (by 6 or 10 months), skip a payment or insure against death, disability or work. The service costs 349 rubles per month, plus you will have to pay extra for some tools.

Excellent loan product with many options. Conveniently, Tinkoff allows you to issue duplicate cards for free. So you can give a copy to a loved one if necessary. After registration, the courier will deliver it to your home or office, so you don’t have to wander around the offices and wait once again. The Bravo program is tied to plastic, according to which from 1 to 30% of bonus points are awarded for each purchase. For them, then you can buy train tickets or eat delicious food in a restaurant.

This is a full-fledged credit card with the possibility of installments in partner stores. You can pay them in a period of 1 to 12 months, which depends on the conditions of a particular store.Out-of-network purchases are subject to a grace period of 55 days. There is a minimum payment - at least 8% of the total debt. The bank determines the specific size independently. The credit limit on the card is up to 700,000 rubles, which sets it apart from its competitors. Annual maintenance costs 590 rubles. The interest on the loan is determined by the bank on an individual basis: under the agreement, it can be in the range from 12 to 29.9% per annum for purchases and from 30 to 49.9% per annum for cash withdrawals.

The credit card "For purchases in installments" from the Russian Agricultural Bank allows you to get installments for purchases in any stores, but only for up to three months. If necessary, the period can be extended by another three months, but this can only be done for an additional fee of 1.5% of the purchase price. Terms are clear and generally very attractive.

The credit limit on the card is set up to 350,000 rubles, the interest rate is fixed - 22.9% per annum. The grace period is longer than for a number of classic credit cards, and is 90 days. The minimum payment is 3% of the debt. You will not have to pay for the release and maintenance of plastic. One of the disadvantages of this credit card is the lack of the ability to withdraw cash, it is intended only for purchases.

Installment in Credit Europe Bank is an independent service connected to one of the bank's credit cards, including Card Credit Plus. It is convenient that when buying a product or service in installments, the cash terminal will provide information on how and when it is necessary to repay the debt that has arisen. The program calculates the terms and amounts of contributions for the timely closing of the loan. This applies to both partial and full payment by credit funds. The installment period varies from 2 to 11 months inclusive. Each partner store chooses the term independently.

The credit limit on the card is set in the amount of 9,900 rubles. The grace period for purchases that do not fall under the installment plan is 55 days, the interest rate is 29% per annum. The minimum monthly payment is 2% of the debt amount. In case of delay, the interest increases to a very high 59.9%. Plastic is produced and serviced free of charge. In reviews, as its advantage, many mention a high cashback of up to 7% in certain categories.

The credit card "120 days without%" from OTP Bank allows you to buy almost everything in installments for up to 24 months. It is only important that the transaction is a purchase, not a transfer, the amount is from 1,000 rubles and borrowed funds are used for its implementation. The cardholder can transfer any purchase by installments using the bank's mobile application. All information about repayment terms and amounts of payments will also appear there. From the moment of receiving the installment plan, 2 months of payment deferment are provided.

The card "120 days without%" is issued and serviced free of charge, has a credit limit of up to 300,000 rubles, a grace period of 120 days. The interest rate on it is 9.9-27% for purchases and 49.9% for cash withdrawals. The minimum card payment is 7% of the debt amount. Judging by the reviews, many bank customers use the installment plan and call its conditions one of the best.

One of the most famous and convenient installment cards in Russia. It is the best combination of comfortable use, favorable conditions and good rates. The only drawback is the ability to take installments without an additional fee only from Sovcombank partner stores, of which, by the way, there are already more than 240,000 thousand throughout Russia. For purchases from other stores, you will have to pay an additional 290 rubles + 1.9%, an installment plan for two months is given. There is even a special application that allows you to control all transactions in order to know how much you need to pay. You can withdraw money from ATMs, it is given by installments for three months. The commission for each such operation is 2.9% + 290 rubles.

I am glad that there is a percentage on the balance of the user's own funds - 10% for the first 3 months, then 5% per annum. It is also possible to receive cashback up to 6%. In addition, "Halva" opens an additional percentage to any deposit in Sovcombank, which makes it even more profitable. The maximum bank money limit is 350 thousand rubles. All payments for one month are summed up, and then divided into an equal number of periods, depending on the length of the installment plan for each partner.If the installment plan has come to an end, then the interest on the balance of the debt will be 19.9%. In case of late payment - 36% per annum and a fine of 590 rubles.