Credit cards of Alfa-Bank: conditions, interest, rules of registration, types and reviews

"Alfa-Bank" is a financial organization that is included in the Top-10 in Russia. And takes the 7th place in the ranking. As of December 2016, the volume of its assets is 2.34 trillion rubles. The services of this bank are used by 14 million people (and these are only individuals). And the organization itself annually expands its network with dozens of new branches and operational offices. And the most popular service is the credit cards of Alfa-Bank. The conditions for clients are very different. But about all tariffs it is necessary to tell a little.

«Without Costs»

This is the name of the first type of card that I would like to talk about. This tariff includes a free year of service, increased discounts on the bonus card, a rate of 23.99% per annum, and even up to 60 days without accruing interest for using funds and a limit of up to 300,000 rubles. These credit cards of Alfa-Bank are very popular. The conditions do seem to be profitable. Are there any pitfalls?

So, the card is issued for free. The first year for maintenance is not necessary to pay. For the second it will be required - 990 rubles a year. For the withdrawal of cash they take a commission (a minimum of 500 rubles, a rate of 5.9%). There is also a limit. In a month you can withdraw 200 000 rubles. And to be more precise, 188,200 rubles. (Taking into account the notorious commission).

In three steps such a credit card is made by Alfa-Bank. The conditions are as follows: a person must fill out an online application, wait for approval and then come to the office with the documents. Standard set - a passport of a citizen of the Russian Federation and something else to choose from (driver's license, SNILS, MHI policy, passport, TIN, military ticket, etc.).

"100 days without%"

This tariff should also be noted when talking about credit cards of Alfa-Bank. The conditions are as follows: a person orders himself "100 days without%" for free and can use it for 100 days without thinking that he will need to pay interest. If the client has time to return the spent before the given time is over, he will not lose anything.

There are three types of this card - Classic, Gold and Platinum. They differ in credit limits - 150, 300 and 750 thousand rubles, respectively.

It is worth noting that it is more profitable to formalize it for those who own a salary card of Alfa-Bank. For them, the annual rate will be 26.99%. The limit of cash withdrawal per month is 60 thousand rubles. But this is the case with Classic. For Platinum owners, the limit is 200 thousand rubles. In general, this credit card of Alfa-Bank "100 days" is rather profitable. The conditions are very clear, and the documents for presentation are standard. By the way, there will never be a need for additional information on the form of personal income tax.

Other features

This is not all that is worth knowing to a person who needed a credit card of Alfa-Bank. Terms of use are very beneficial, but with them customers receive some other opportunities. In addition to the interest-free period, which has already been mentioned above.

So, for example, the minimum payment is 5% of the debt amount. Another person can track all their expenses and dates in a modern and convenient mobile bank Alfa-Click. There is also an application - you can choose to whom it is more convenient to use. And you can repay your debts even by transfers from the cards of other banks.

By the way, through these applications you can request any information regarding the credit account. A person will be given data in which his spending and the amount he is obligated to pay will appear as painted down to kopecks.

Important information

It is worth giving answers to the questions that people ask when designing the card most often.

So, the first is the annual commission for service. It is debited from the account on the next day after the credit card has been activated.

The second is the interest rate. It is for each individual. In the description the approximate data are specified, but the final rate is determined by the bank's employees. It should be remembered: the more documents on the confirmation of solvency the client will provide, the more favorable will be the conditions for him.

The third is the limit. He has a card of any type. What should I do if my limit is exhausted? It is necessary to pay off the debt - in whole or in part. After that, you can again make spending transactions within the limit.

And the fourth nuance is the period of validity. A person can use the card during the time for which it was issued. The time is indicated on the front side. When he expires, the person goes to the office, where he will be issued a new credit card of Alfa-Bank. The conditions of obtaining are even simpler, since it is necessary, in fact, to extend the service.

"Twins"

This is another interesting tariff, about which I would like to say a few words. Based on the name, it becomes clear that customers are offered double opportunities and innovation.

So, the first condition is 100 days without interest on withdrawals and purchases. The limit on the credit side is 300,000 rubles. The ability to pay through Samsung Pay and Apple Pay. The minimum interest rate starts from 26.99%. Higher discounts are available on the Gold credit side. And the service costs only 2490 rubles a year.

What is interesting: this is a unique card, which has no analogues in the Russian Federation. It is convenient to use due to its universal purpose. One card for all operations!

Also, each side of the card has its own chip, number, PIN-code and magnetic strip, which increases its reliability and security. Perhaps, this is the best credit card issued by Alfa-Bank.

Conditions for withdrawing cash are: 4.9% of the commission of the amount, but at least 400 rubles. The monthly limit is 120,000 rubles.

Convenience

Alfa-Bank's credit cards, the terms of use described above, are accepted in every country around the world. After all, the organization issues cards of international systems "Master Card" and "Visa", which are distributed all over the world.

On a dollar credit card, a customer can withdraw the amount in any currency - in rubles or euros, for example. The same applies to the payment of goods and services (in the case of foreign countries, for example).

You can attach an SMS notification to a credit card. Each time a person will receive messages about enrollments and write-offs, about the expiry of the card's validity period and about receipt of funds at cash advance points.

And even on a credit card over the limit you can put your own money. For their use, no interest will be accrued. That is, if the limit of the card is 200,000 rubles, and the person put another 30,000 on the account, then he can dispose of these thirty thousand without any thoughts of interest.

Reviews

People who own credit cards of Alfa-Bank, in general, are satisfied. Of course, if they carefully read the contract and got acquainted with all the conditions. There are also negative comments, but people negatively react to the services of the organization, who did not ask all questions before signing the contract.

And in general, reviews are encouraging. Alfa-Bank is a good organization with a conscientious attitude to its customers, fast operative services and competent, professional employees who are always ready to help people who apply to them.