10 best installment credit cards

Credit installment cards can be a good help when you need to buy something, but there is no money for it. They differ from ordinary credit cards in that they allow them to purchase goods and services, but pay for them in parts. And at the same time - not a single percentage of overpayment. It is profitable and convenient.

But finding the right card is not always easy. Conditions often change. What to look for when choosing the best installment card:

1. Credit limit. One of the most important parameters is the amount of funds that the bank is ready to allocate to the client for use.
2. Opportunity to buy not only from partners of the bank. Unfortunately, some installment cards can only be used for payment in specific affiliate stores. Otherwise, either the payment will not pass, or it will pass, but in the form of a simple loan.
3. Installment period. Depends on where to buy. Partners offer installments longer than regular stores (if the purchase in them is generally available).
4. Cashback. Some cards allow you to receive a small percentage of your own money back. As a rule, it either depends on stocks, or is charged differently on different categories of goods.
5. Overdue fines and interest per year. The possibility of overdue installments is. In this case, you will have to pay a certain fine, although not always. In this case, the debt will begin to be subject to interest, so you need to pay it quickly.
6. Ability to withdraw money from ATMs. Some stores may not accept cards. And in this case it would be convenient to withdraw money in installments and pay in cash. But not all installment cards allow it.
7. Interest on the balance of your money. Separate products make it possible not only to use the bank’s finances, but also to keep our own funds on plastic. At the same time they will be charged a certain percentage. Such a combination of deposits and credit cards.

Based on these criteria, you can choose the best credit card installment of all offers on the market. Of course, there are not too many of them. But you can get confused. In the ranking, we selected the most attractive banking products by the main criteria. So now choose the best becomes much easier.

Top 10 best installment credit cards

10 Money Zero (MTS Bank)

And the rating opens with a fresh card with unusual conditions. This is plastic for microcredit. For each day of using the money a fixed commission will be charged from the account - 30 rubles. 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 loans. Installment is available for 3 years and 20 days. The minimum payment at this time is 5% of the size of the debt, but not less than 500 rubles, plus the size of the commission. It is necessary to return this amount and service fee before the 20th day of each month. At the end of the installment period, the loan rate will be 10% per year.

I am glad that all payments and withdrawals at an ATM can be made without commission.Paying for the service is also not necessary - it is enough to pay 299 rubles for the issue of an installment card. The option is bad for small purchases - the annual “percentage” (if the commission is recalculated) is transcendental. But if you need to spend the entire maximum credit limit, then in a year you will receive a commission equal to 7.2% of the amount.

9 "120 days without interest" (Ural Bank for Reconstruction and Development)

Standard installment card with quite comfortable, but not ideal conditions. Allows you to store your money, manage credit and even get it at ATMs. The size of the installment plan is the same for any purchases - no more than 4 months, there are no partner store chains. In fact, it is a universal plastic with the ability to borrow money. Acts around the world.

The credit limit is standard for such cards - up to 300 thousand rubles. At the same time, in order to receive a plan of 100 thousand rubles, it is not necessary to search for income confirmation It is enough to bring a passport. I am glad that if there is no money, you can pay only 3% of the outstanding amount per month. It is quite convenient. But in contrast to this, there is a drawback: expensive plastic maintenance - 1,500 rubles. If you allow a delay in payment, then the rate - at least 29%, so it is better not to bring this up.

8 "110 days" (Raiffeisen Bank)

Partially free installment card from one of the most client-oriented, judging by the reviews, banks in the country. It is comfortable, it is reliable, it will suit almost everyone. Installment is valid in all stores, and partners of the bank 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 - within 300-500 thousand. So with its help you can pay even large purchases. Of course, if you have time to return them in 110 days installments. Because in case of going beyond its limits, you will have to pay at least 29% per annum. Service per month is free, but only on condition that the total size of card transactions is at least 8 thousand rubles per month. Otherwise, you have to pay 150 rubles.

7 Element 120 (Mail Bank)

A curious card with many useful options and a large credit limit. "Mail Bank" decided to take care of customers and created not only functional, but also quite safe. The maximum limit on the installment card is 500 thousand rubles. Refund must be made within 4 months from the date of payment. And in case of delay in debt, a percentage of 27.9% per annum will be charged and a fine from 300 to 500 rubles will be paid.

The main thing that distinguishes this card among other similar - an additional insurance package for online purchases. Now it's not scary to buy anything online. It is enough within 90 days from the moment of payment by the card to write an application for insurance compensation, if the acquisition was stolen, lost or damaged on the road. Another interesting feature is the extension of the warranty on the goods. When buying, it automatically doubles. But only if it is "double" does not exceed 24 months.

6 "Installment for all" (East)

Fresh credit product, released on the wave of success of such titans as "Halva" and "Conscience". It is a stripped-down version of a full-fledged installment card, but quite sufficient for most everyday purposes. Convenient because there is no network of partner stores for shopping. You can take goods and pay for services anywhere, and the payment period will always be the same. I am glad that Vostochny promises a huge cashback for online purchases from individual partners - up to 40%. On the usual purchase it is not.

A short-term card will be convenient for those who do not like to repay long. Available installment for 3 months for all purchases. The credit limit is quite large - from 55 to 300 thousand rubles.So even in the case of the minimum approved amount of money is always enough for everything you need. You can even withdraw credit funds from ATMs, but for a commission (4.9% + 399 rubles). In case of delay in payment or withdrawal by installments, the annual rate will be 29.9%. The penalty for the formation of delay is quite large, up to 2,000 rubles, depending on the amount. But if it is small, then no more than 20% of it.

5 Platinum (Tinkoff Bank)

Excellent credit 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 his home or office, so that he will not have to wander around the offices and wait. The program "Bravo" is tied to the plastic, according to which for each purchase from 1 to 30% of bonus points are charged. For them, then you can buy train tickets or eat in the restaurant.

This is a full credit card with the possibility of installment in partner stores. You can pay them in time from 1 to 12 months, which depends on the conditions of a separate store. A 55-day grace period applies to purchases outside the partner network. There is a minimum payment - at least 8% of the total debt. The specific size of the bank determines its own. You can get up to 300 thousand rubles to the Tinkoff card. The interest on the loan is determined by the bank individually - when shopping, it can vary from 15 to 29.9%. If you withdraw money from an ATM, you will have to pay from 30 to 49.9% per annum.

4 "Installment card" (Home Credit)

And now let's talk about cards issued strictly on installments and densely occupying the first four places of the rating. This is a convenient product with a talking name from Home Credit, which is able to compete quite well with others. It is intended only for payments by bank transfer, it is impossible to withdraw money from it. The proposed credit limit from 10 thousand to 300 thousand rubles. Installment is available in any store and will be 2 months. Partners offer from 2 to 12 months, but it is better to specify the conditions directly in the store. I am glad that in order to receive you do not have to collect a package of documents, it is enough to take along a passport and SNILS. But judging by the reviews, sometimes only a passport is enough.

The "Installment Card" does not provide for other payments, except for "installment". It is necessary to pay the debt within the time allowed - for this, the amount is divided into equal parts according to the number of installment months. Therefore, she has no interest for “credit”. But if the client repays the debt in payments that are smaller than were calculated, the annual rate of the debt will be charged 29.8%. So it is better not to forget about this condition. But there are no penalties for delay - this compensates for a high percentage.

3 "Instead of money" (Alfa-Bank)

A relatively recent installment card in one of the most stable banks in the country, “Instead of money,” offers quite competitive conditions. With it, you can pay wherever and how you want, even on the Internet and abroad. If you do not violate the conditions, you can get quite an interesting product with some of the best conditions.

The bank can offer a credit limit of up to 300 thousand rubles. I am glad that the installment plan is available in all stores, and not only from the bank’s partners. But there is a nuance. Regular stores can provide installments only for 30 days. For partners, it can vary from 1 to 24 months, depending on the proposed conditions. Interestingly, the size of the penalty for late payments is different. If you forget to pay by installments to partners, then the annual rate on debt will be 36.5%. And when you skip the payment in ordinary stores will be charged a fine of 500 rubles, and the debt will be charged at 10% per annum. Unfortunately, there is no cashback or interest on the balance of their money.

2 "Conscience" (Qiwi Bank)

The installment card "Sovest" allows you to purchase goods from partners of the bank in the amount of up to 300 thousand rubles. In this case, the installment plan can be from 1 to 12 months, depending on the store partner. Unfortunately, it’s not possible to buy at ordinary conditions in ordinary stores. In the presence of free information, service and issue cards. In case of delay, you will have to pay a fine in the amount of 290 rubles and receive 29.9% per annum in the amount of the delay (until maturity). As soon as the installment is over, the loan rate will be 10%. Which is pretty profitable.

Pleases a large abundance of options, even if paid. For example, installments can be extended up to 10 months, if you activate the service in advance. In addition, "Conscience" can be used as a regular credit card with a grace period of 60 days for 499 rubles per month. The same installment, but available in all without exception shops. You can even withdraw credit money from the card (499 rubles for a single operation).

1 Halva (Sovcombank)

One of the most famous and convenient installment cards in Russia. It represents the best combination of comfortable use, favorable conditions and good fares. The only drawback is the ability to buy only from Sovcombank partners. In the presence of even a special application that allows you to monitor all transactions to know how much you need to pay. You can only withdraw money at ATMs, but not your own. I am glad that there is a percentage of the balance of the client’s personal money to 7.5%.

The maximum limit of bank money 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 installments for each partner. You can purchase in installments only from partner stores. Each partner sets its own rules for installment length - up to 12 months. Shopping elsewhere is not allowed. In addition, you can buy additional installment months - from 2 to 18 months extra. If the installment plan has come to an end, then the percentage of the outstanding balance will be 19.9%. In case of delay in payment - 36% per annum and a fine of 590 rubles.

Popular vote - which installment credit card is better
We vote!

Halva (Sovcombank)

Conscience (Qiwi Bank)

Instead of money (Alfa-Bank)

Installment Card (Home Credit)

Platinum (Tinkoff Bank)

Installment for all (East)

Element 120 (Mail Bank)

110 days (Raiffeisenbank)

120 days without interest (Ural Bank for Reconstruction and Development)

Money Zero (MTS Bank)

Other

Total votes: 6

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