Credit cards for withdrawing cash without interest. Which bank can I apply for a credit card with interest-free cash withdrawal? Credit card where you can withdraw cash

A credit card has long become a universal tool for meeting material needs when personal funds are not enough. But large commissions for cash withdrawals often force potential consumers to decide how relevant the selected offer is. Credit cards with interest-free cash withdrawals are every person’s dream.

How to choose the right card for cash withdrawal

To choose the best offer for a credit card for cash withdrawal, it is recommended to first pay attention to 4 selection criteria:

Availability of a grace period. Most banks provide interest-free credit card services, where you can also withdraw cash with a minimum commission. It is not profitable for Russian banks to issue cash for free, so this practice can be found in absolutely every financial institution. The best option would be a fixed amount, but often a percentage of the withdrawal amount + a certain service fee is charged
Loan size. The card sets a limit on funds that can be spent by the borrower. Here it is important to take into account your own capabilities and financial burden, so as not to delay payments in the future.
Interest rate. Begins to act upon completion. Then the borrower will have to repay the loan + interest, which increases monthly expenses. The optimal offer will be the minimum bid
Maintenance cost. Some banks provide the first year of service free of charge. However, this parameter also includes the presence of additional commissions and fees, bonus programs, and cash back.

A credit card with interest-free cash withdrawals is an ideal option for those who are used to making purchases with real money.

Sberbank credit cards for cash withdrawals without commission

Sberbank is one of the most popular and reliable Russian banks. Regardless of the type of credit card, the commission for cash withdrawal is established in all offers presented. The Gold card with optimal terms of cooperation deserves close attention:

There is a daily limit on cash withdrawals in the amount of 100,000 rub. lei. Depending on which third party ATM you are using, commission set at 3−4%
Cash withdrawals are available at any Russian ATMs
There is a credit limit of up to 600,000 rubles
The period without interest accrual is 50,000 rubles
Loan rate from 25.9%
Action of the bonus program “Thank you from Sberbank”
Free card issue
Registration within 3 working days
Depending on individual conditions the cost of maintenance per year is up to 3,000 rubles.

The percentage of cash withdrawals from a Sberbank credit card will not be deducted if the money is withdrawn from ATMs of this financial institution.

Alfa Bank cards for cash withdrawal without commissions

Alfa Bank credit cards provide optimal offers for cash withdrawals if the monthly amount does not exceed 50,000 rubles. In this case, no commission is provided. If the amount for cashing out exceeds the established limit, a commission of 500 rubles + 5.9% of the established amount applies.

The following terms of use are also provided:

The application, SMS notifications and Internet banking are provided free of charge
The period without interest on the card is 100 days
Security is ensured by payment confirmation in 3D Secure format
No commission when replenishing your account
Credit line up to 300,000 rubles
Loan rate from 23.99%
The cost of annual maintenance is 1290 rubles.

Cash withdrawals from an Alfa Bank credit card must be made only in the banks of this financial institution.

VTB credit card for cash withdrawal without interest

A unique offer from VTB “Multicard” in the form of a universal credit card offers not only non-cash payment for purchases, but also the opportunity to withdraw funds on favorable terms. The following proposal is provided:

The possible amount for cash withdrawal per day is 350,000 rubles. Free cash withdrawal
Withdrawal of funds from any ATMs
The maximum credit limit is 1,000,000 rubles
The grace period is 50 days, but does not apply to the possibility of cash withdrawals
Loan rate from 26%
Bonus program, providingcashback up to 10% of purchases
Free card registration
Production within 3 working days
If the total amount of purchases per month exceeds 15,000 rubles, no service fee is charged. Under standard conditions, the cost of use per month is 249 rubles.

A credit card without cash withdrawal is only suitable for those who are used to making purchases online or through bank terminals.

Tinkoff credit card

Tinkoff Innovation Bank does not have fixed offices, so the entire application process before receiving the card is carried out via the Internet. The following conditions apply to customers using the Leto product:

There are no restrictions on withdrawals. There is no commission for cash withdrawals
Withdrawing funds is possible at any ATM
There is a limit of up to 300,000 rubles
Using PayPass technology to make contactless payments
You can top up your card for free through third-party ATMs
Free issue
The cost of service per month is 99 rubles
Processing and delivery within 2 business days.

Many people consider this to be the best credit card for withdrawing cash.

Home Credit - cards for cash withdrawal

The successfully developing Home Credit bank offers its Platinum card under the following terms of use:

To withdraw cash, a commission of 4.9% of the requested amount is paid, but not less than 399 rubles
Loan rate 29.8%
For annual cash withdrawals from the card, the rate is 49.9%
Revolving credit line up to 300,000 rubles
Grace period effect for 51 days
bonus program cashback up to 5%
When using the Benefit program, the cost of annual maintenance is 4990 rubles.

For those wishing to take out a loan for the purchase of goods, the new offer of the “Installment” card will be interesting, but cash withdrawals are not provided. The focus of the product is issuing a consumer loan for purchasing purchases. A credit card with free cash withdrawals exists, but not at all banks. Therefore, the conditions for using a credit card should be studied before purchasing the product.

Video “How to withdraw cash from credit cards without”

On our website we pay a lot of attention to banking products. First of all, debit and credit cards, talking about the benefits that they can bring to the end user in terms of economical and reasonable use of personal and family budgets. In this article, we decided to touch on another advantageous feature of payment cards, namely credit cards. The main advantage of any credit card is interest-free period (popularly it is also often called the “grace period”). To put it simply, this is a period of time during which you can use bank funds absolutely free of charge! And in some cases, even withdraw cash from ATMs without commission and also not pay anything extra for it within the grace period.

This unique feature of credit cards gives us additional benefits, but few take advantage of this potential. And very few people do this as efficiently as possible. In this article we will share with you the secrets of credit cards and tell you everything in as much detail as possible.

As stated earlier, one of the key benefits of a credit card is interest-free period, that is, the time when you can use the bank’s funds absolutely free of charge for yourself. This option has made such payment cards very popular not only in Russia, but throughout the world, because the end buyer has additional options for making a purchase. Moreover, this can be done “here and now” and win in price, for example, if you take something at a “hot price” during sales at retail outlets or when money is needed for urgent needs of a different nature, but there is nowhere to borrow for a short period of time, yes and expensive ( It’s not good to walk around your friends and humiliate yourself, right?).

A credit card perfectly solves this problem, and in your favor, because if you make a purchase within grace period, then you will pay the bank whole 0%, that is 0 rubles! That is, for you such a short-term loan will be completely free. You, in essence, own the bank’s money as if it were your own, but with the proviso that you will make required payments on time and repay the debt before the end of the grace period. Which bank should I look for a long grace period? Now we’ll help you find the answer :)

This is how it works long grace period using the example of an interest-free loan of 110 days. The image is clickable!

It should also be noted that the grace period for a credit card begins from the moment of the first transaction on the card. And he always renewable: that is, you have repaid the debt within the interest-free period and you can borrow money again, and again it will be free for you! There are no restrictions, the main thing is to make payments on time (usually not less than 5% from the purchase amount in each month of the grace period and full amount at the end grace period)!

Not all banks are ready to lend for a long period and even for free. In most cases we are dealing with a grace period of everything 50 or 55 days. About a month and a half! You can't really run away. Banks understand this, so they are taking marketing steps ( as a rule, if the interest-free period is short, then you will have). But cashback is not always needed by the client, so some banks really went in the direction large grace period. And this experience turned out to be successful.

Currently, in 2019, cards from three banks are the most popular in Russia: “ Alfa Bank» (), « Raiffeisen" () And " Ural Bank for Reconstruction and Development» ( + 1% cashback on everything and 10% cashback on purchases in special categories). Each has its own conditions and characteristics. Let's look at them in more detail in our article.

Credit card for cash withdrawal

Typically, the grace period only applies for purchases with a card However, in part, there are exceptions to this rule ( for example, Alfa Bank allows you to withdraw cash from your credit card in any ATM of the world no commission and within the interest-free period ). And such a profitable tool of 2019 was in our review! 🙂

Card with a long interest-free (grace) period: benefits

There are several ways, they differ depending on what opportunities a credit card can provide you with during a large interest-free (grace) period. If the card allows you to withdraw cash from ATMs without interest and within the grace period (as with the Alfa Bank card), then it is advisable to transfer funds from it in this way to any short-term deposit in a bank with a monthly capitalization payment or to a debit card with a good interest rate for the remainder.

Interest-free cash withdrawal from Alfa Bank card - 100 days

The most universal option, in our opinion, is the option “ interest on balance» by debit cards. You just need to choose a card that pays a good interest rate every month.

We chose for ourselves a debit card from Home Credit Bank - “ “, since this bank charges one of the highest interest rates on the balance on the market 10% per annum(for those who apply for a card now) and 6% per annum for existing clients, interest is accrued daily, and are paid monthly. You can easily withdraw money from the card atanymoment without loss of interest rate and at any ATM, by the way, while the card itselffree. And for purchases using it you can get a good cashbackup to 10% in cash. And the bank itself is reliable (is a subsidiary of the reliable Czech bank Home Credit).

You can also check out our detailed . You can get a card. The card gives 5% per annum for the account balance.

The second option is a ““ debit card, which accrues interest to new users on the balance 5% per annum. This percentage is given on any balance amount up to 300,000 rubles. Interest is paid once a month, interest is calculated for each day of the account balance, summed up for all days of the month and paid on the day the card is issued.

To receive interest on your balance, you need to make purchases totaling at least 3,000 rubles per month. To make the card free, you need to keep at least 30,000 rubles in your account at all times. Withdrawing cash from any ATM in the world is free from 3,000 rubles. There are a lot of card refill points.

Free debit card " Home Credit - Benefits": receive 10% per annum for the remaining funds and cashback in popular categories 10% at the gas station, 10% - for clothes, bags and shoes, 3% - for cafes, restaurants, fast food and pharmacies. We also have it on our website.

At the moment (winter 2019) the combinations are: Alfabank credit card - “ ” + debit card “ ” or are perfect a combination that gives you only one continuous benefit when shopping or simply storing funds! After all, using bank funds withdrawn from an ATM for free within 100 days, You are getting one of the best interest rates on your balance + good cashback for purchases with a debit card.

We use cash for free with a credit card

You simply withdraw money from your credit card “100 days without interest” (every calendar month), deposit them on a Home Credit or Tinkoff Black debit card (you can even use both cards), and receive benefits during the interest-free (grace) period. And at the moment when you need to pay off the debt at Alfa Bank, you simply withdraw the necessary funds from the debit card and pay it off (including the minimum monthly payments). Then, when the interest-free period resumes, you do the same scheme again, because the grace period renewable, which means that you can repeat unlimited number of times such a scheme :)

Example: for one cycle 100 days of grace period from monthly making 50,000 rubles cash from card " " to card, for example, " " with 10% per annum we have a total return 2533 rubles for 100 days through capitalization and constant monthly contributions. Since the cost of servicing for the first year on a credit card from Alfa Bank equal to zero, then the only thing that comes out is pure benefit. You can perform this scheme at least 3 times in a year and get more than 5000 rubles profitability just like that. For having these cards.

And this is only income from interest on the Benefit card. If you use this free card with cashback(and he’s quite bold here: 3% at the gas station, 10% for clothes, bags, shoes, 3% for any catering, pharmacy and 1% for everything else) for purchases, then your benefit will increase significantly! But be here be careful: Don't be tempted to spend more than you have money. It is better (when using the second method) that on the “Benefit” card, in addition to money from Alfa Bank from a credit card, there is also your money, which you will spend.

Active use of cards "Benefit" or "Tinkoff Black"(that is, adding your own to the credit funds, using both debit cards at once, transferring your monthly salary, as well as making purchases with cashback within your free funds) significantly increases efficiency b from using the scheme at times.

Moreover, if you set a goal, then profitability can be scaled - issue cards for several family members and increase your total profitability under this scheme several times.

Design free debit card " Benefit"You can, but a credit card" 100 days without interest"(by the way, if you formalize it until December 31, 2019, then the first year of service will be free)— . A bank debit card Tinkoff" - . Thus, the cost of a credit card pays off already in the first 100 days at basic rates, and with free service in the first year - the same one big benefit! It is also worth noting that both debit cards (Tinkoff Black) and Benefit have a free service option.

Why not give it a try, since this credit card is completely free for the first year anyway? If you don’t like it or it doesn’t work out, you can close it without consequences.

How to extend the interest-free period to 220 days or even more?

It should also be noted that for the Alfa Bank card - "" an option has appeared - balance transfer. This option provides for free repayment of current debt on a credit card from another bank. Limit per transfer up to 800,000 rubles. In a year you can repay this way up to 3 credit cards other banks. Essentially, this is a free refinancing of a loan with another bank. At the same time, as always in refinancing, you should not have late payments on a credit card from another bank.

This scheme, in essence, provides a credit holiday, because you don’t have to pay interest on your other bank’s credit card (with an interest-free period) + you get a long interest-free period from Alfa Bank. Good savings come out if you follow the conditions.

Credit card: requirements for a borrower in 2019

The key to a favorable interest rate and approval of a credit card is, in principle, a number of parameters that it is advisable to comply with before applying for such a bank card. Currently, the most typical requirements of banks are:

An important point about financial self-defense: When applying for credit cards, make sure that you do not include any insurance! Bank managers like to offer something like this and slip it in for a signature (this is understandable, this is their bonus), but don’t be fooled! Be sure to carefully review the terms of the contract. 🙂

Alfa Bank credit card - “100 days without interest”

This is a long-lasting card. Alfabank was one of the first to launch a card product that offers such a long grace period that reaches 100 days. Consider that for more than 3 months you can use the bank’s funds at your discretion, making only deposits every month within the interest-free period no more than 5% (but not less than 320 rubles) from the amount of purchases made in the bank statement.

Credit limit renewable: After the current debt is fully repaid, you can again make purchases for a new grace period of 100 days. You can study in more detail how this credit card works in an informative video from Alfa Bank itself. We have added this video to the article for your convenience.

The card has a unique feature - it allows you to withdraw 50,000 rubles every calendar month within your credit limit!

That is, in fact in 3 months within the grace period you can for free cash out up to 200,000 rubles! If you correctly distribute withdrawals within a calendar month.

Transfer money, for example, to a current account in a bank, to a card that accrues interest on the balance, or to a short-term deposit and receive income from monthly payments on it. And all this just because you use a credit card! 🙂

At the same time, the bank pays for this will not take commission! Even the ATM doesn’t matter: Alfabank will not charge a commission when withdrawing funds from any ATM in the world! In this case, withdrawal of funds is included in interest-free, that is preferential period of card transactions! Separately, we would like to note that the limit of 50,000 rubles is the same for all credit limits on this card (naturally, for those that are not lower than 50,000 rubles 🙂), that is, whether you have, for example, a credit limit of 60,000 rubles or all 300,000 !

From December 2019 the card " 100 days without interest"has become even more accessible. If you issue it until December 31, 2019, then the first year of service for it will be completely free! Ideal conditions for implementing the scheme described in the article for earning money on a credit card to your benefit!

This is a unique property of the card!
Competitors cannot yet offer Alfa Bank anything like this in return. It is for this property that we love this card so much, and even though it has the shortest and longest interest-free period, other credit cards can’t do that! 🙂 Besides this, the map “ 100 days without interest" supports the option " balance transfer", that is, she can close your credit card debt at another bank for free, refinance it.

interest-free grace period 100 days- on All purchases + cash withdrawal at ATMs: cash withdrawal fee ( 0% ), that is absent(but not more than 50,000 rubles per calendar month); within one grace period you can receive up to 150,000 rubles without commission.
You can also withdraw more than 50,000 rubles per month, this operation will also be within the grace period(you will only pay a withdrawal fee of 5.9% - but not less than 500 rubles - of the excess amount).
release free, when issuing a card until December 31, 2019 first year maintenance cost free.
From the second year service (per year) 1190 rubles according to Classic (for bank clients) and 1490 for everyone else, the cost of service can easily be recouped in the first hundred days;
replenishment from other cards, as well as Internet banking and mobile banking "Alfa Mobile Light" free;
SMS notification is paid: 59 rubles per month (but you can always turn it off and use a mobile application or online banking, Android Pay, Samsung Pay, Apple Pay payments);
the opportunity to open accounts in dollars and euros for free (they can also be topped up using international details), a favorable exchange rate within the Alfa Click Internet bank;
No need connect service packages;
credit limit up to 300,000 rubles (according to Classic), up to 500,000 rubles(GOLD) and up to 1,000,000 rubles(according to Platinum);
interest rate from 11.99% per annum for everything that is not covered by the grace period of the loan
(for such a rate, it is advisable to have a salary of 5,000 rubles per month (2-NFDL), or have a car for 4 years, or travel abroad with an international passport for a year);
support for the option " balance transfer" (Can for free refinance debt on a credit card from another bank); no more than 3 times a year, the maximum limit for such a transfer on one card is 800,000 rubles.
To receive a card you need a Russian passport + any additional document of your choice
(SNILS, INN, driver's license, international passport, medical policy);
You can
(no more than 10 minutes), during the day the bank will inform you about its preliminary decision and tell you when you can pick up the card and provide the necessary documents at the bank branch. Filling out the application form online significantly saves time, as it eliminates the need to once again knock on the doorsteps of the bank :) The preliminary decision will be known within 2 minutes from the moment of submitting the application. Alfa Bank launched instant delivery this credit card. This means that in 30 cities of our country the courier will be able to deliver this card to you " day after day» from the moment your application is approved. This for free.

Free UBRD credit card: 240 days without interest and with cashback

This card is clearly out of the paradigm that modern banks in Russia are trying to offer us, namely the choice: either a long interest-free period or cashback. But then the Ural Bank for Reconstruction and Development appeared, which erased this unspoken rule from everyday life, offering two fat pluses on its credit card at once - a very big one interest-free period that reaches gigantic 240 days+ also cashback for all purchases 1%, including such rare categories in terms of cashback as housing and communal services, payment for mobile communications, taxes, fines, penalties and insurance! And also 10% cashback in special categories!

For a minute, 240 days- This longest grace period, at the moment, which provide credit cards on an ongoing basis! In addition, the bank now issues a card with free release and the possibility of free service. At the same time, the bank also allows you to take out a card under the old conditions, that is, with a standard grace period of 120 days. It’s up to you to choose :) All the details about this credit card are below.

You can get yourself a card and with cashback up to 10% both with and with whole no interest!

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The funds earned are often not enough to fully satisfy all your needs. People consistently take out loans for certain needs. The most convenient option is to use a Sberbank credit card, because this financial product has many advantages compared to regular consumer loans. How to use a Sberbank credit card so as not to pay extra interest, what commission is charged to the client when withdrawing cash?

How to use a Sberbank credit card?

The most profitable option is to pay with a credit card in retail chains where POS terminals are installed. In this case, the client will be charged interest only on the money used, and no additional interest will be charged for withdrawals. Sberbank does not provide for writing off commissions for non-cash withdrawals (payment for purchases through a terminal).

Moreover, Sberbank provides a grace period for using money from a credit card - up to 50 days. If during this time the client has fully repaid the card debt, the credit money will be used free of charge, that is, no interest will be charged on it. This only works in the case of non-cash payments.

If the borrower withdraws money at this time, a commission is charged. Moreover, the grace period for lending is lost, and interest begins to accrue immediately.

50 days is the time from the moment the card is activated, and not from the moment of each payment or cash withdrawal.

If a Sberbank client cannot or does not want to repay the entire borrowed amount at once, he is obliged, under the terms of the loan, to pay off the mandatory monthly interest. Interest will be charged on the remaining amount, the amount of which is specified in the terms of the agreement.

How to withdraw cash from a Sberbank credit card?

If you need to withdraw money in cash from a Sberbank credit card, you can use one of the proposed methods:

through the Sberbank cash desk (if the card is not at hand, this is a convenient way. You only need to have your passport with you);
through a Sberbank ATM (you can’t do without the “plastic” itself);
through a cash register or ATM of third-party financial and credit organizations (in this case, the withdrawal rate will be higher);
through payment terminals (you will also need a Sberbank debit card);
by postal transfer (a payment for the service of sending funds by Russian Post will be added to the commission for cash withdrawal);
transfer through systems such as Unistream and Contact (in this case the commission is very high, so it is recommended to use the system only in the most extreme cases);
through an electronic wallet (you will need a debit card linked to the wallet);
through a cell phone account.

What is the interest rate for withdrawing cash from a Sberbank credit card?

Owners of Sberbank credit cards are wondering: is it possible to withdraw cash from a credit card without paying an additional fee through an ATM? Unfortunately, there is no such option. The following interest rates apply for cash withdrawals from an ATM:

through a Sberbank ATM - 3% of the amount, but not less than 390 rubles per withdrawal;
through an ATM of a third-party bank - 4% of the amount, but not less than 390 rubles.

Important! Many Sberbank credit card holders are perplexed when at least 390 rubles are charged for cash withdrawals. The fact is that this tariff has been in effect since February 2015. Previously, the commission was 3%, but not less than 199 rubles.

Even if a client withdraws only 200 rubles from a Sberbank credit card, a minimum commission of 390 rubles will be charged for the transaction on top. That is, the card will cost 590 rubles (200 to the client, 390 to the bank). Further, interest will be charged on this commission, just like on the money used.

Withdrawing less than 13,000 rubles at a time is not the most profitable business. A minimum interest will be charged on each withdrawal.

How to withdraw cash from a Sberbank credit card without interest?

To get cash from a Sberbank credit card, there are many non-cash transfers for cashing out money. The procedure is performed as follows:

You need to transfer money from a credit card to an electronic wallet (QIWI, Yandex, Webmoney);
from wallet to debit card;
withdraw cash.

In this case, the electronic payment system will charge from the credit card for the service from 0 to 0.75% of the transferred amount. Next, the e-wallet will also take its percentage from the debit card - from 1 to 1.5% of the withdrawn amount. And yet, the withdrawal rate is lower.

This method is acceptable if you urgently need to top up your own or someone else’s Sberbank card with cash, or withdraw cash that is only available on a credit card. Withdrawing cash from a credit card through ATMs and tellers is expensive. A more profitable option is to use this method. In this case, there will be no interest on the withdrawal, since the bank will accept the transaction as payment, interest will be accrued only on the transferred (used) money, and the grace period will remain.

The method will also appeal to those who often use the services of electronic wallets. But there are also some nuances here: each wallet has a limit on the amount of money transferred per day. It may happen that, having transferred money to an electronic account, it will not be possible to withdraw it today.

Restrictions and limits on cash withdrawals from a Sberbank credit card

Sberbank credit cards are recommended to be used mostly to pay for services and purchases. It is not profitable for the bank when a client withdraws money from a credit card, because by doing so he brings losses to the bank. Therefore, cash withdrawals involve additional fees.

What restrictions are there on using a Sberbank credit card?

payment for services and purchases per day - for any amount;
cash withdrawal from a credit card through a terminal - no more than 50,000 rubles per day;
cash withdrawal from a credit card through the Sberbank cash desk - no more than 150,000 rubles per day;
cash withdrawal from Sberbank “golden” credit cards - up to 300,000 rubles per day;
replenishment of a Sberbank credit card - up to 1,000,000 rubles per day.

When opening a credit card, you need to pay special attention to the necessary nuances. Most of them are intended for transactions within the banking system or via the Internet. If you plan to withdraw cash to a greater extent, you need to select a credit card without a cash withdrawal fee; absolutely everyone wants to minimize unnecessary costs.

Most cards charge a commission of 1-10% when withdrawing funds through a self-service terminal, but you can still find a credit card for withdrawing cash without a commission. When opening a credit card, you need to ask the bank manager about all its capabilities; it is beneficial for the bank itself to issue cards with service conditions in their favor.

In this situation, we are concerned precisely with the ability to withdraw cash without interest; we definitely need to talk about this and select a lending program specifically for this item.

Another very important factor when opening a credit card is the allowable grace period in which you can use a loan and return it to the bank without interest on the use of funds. Not all banking institutions offer this opportunity.

And the most important nuance is to clarify the size of the permissible credit limit on the card. Today it is easy to get a card only if you have a passport, and then fairly small loan amounts are issued. To get more money, you need to submit additional documents to the bank, at least a certificate of income. This is solely in the interests of the consumer.

Ways to withdraw money from a credit card

To withdraw cash from a credit card without interest, it must be intended for this type of transaction. You can withdraw cash from a credit card:

No interest at the branded ATM of the bank that owns it.
At ATMs of partner banks (each banking institution has its own; you can find out more information on this issue on the official website of the card manufacturer). Withdrawing money in this way can be either with a commission or without interest - it depends on the terms of the agreement signed between the banks. In any case, the commission should be acceptable.
In third party terminals. Problems may arise with withdrawing cash from a credit card; other people's ATMs tend not to recognize unknown plastic. Such operations will be carried out unambiguously with the removal of the commission.

All credit cards have a cash withdrawal limit. It can be one-time, daily or monthly. Basically, you can withdraw up to 150 thousand rubles per day from a credit card; at Sberbank today there is a limit of 50 thousand rubles. You can withdraw three times more at the cash desk of a bank representative office. The monthly limit must be equal to the credit limit.

In this matter, as elsewhere, there are a couple of tricks for withdrawing cash from a credit card without commission.

First option. Most likely, you can pay for a purchase in a large store with a credit card without a fee, for example, to purchase some household appliances. According to the consumer rights law, it is possible to return a product without a reason within 14 days and, accordingly, get your money back, but in cash.
The second method works on the same principle - pay with a credit card for a purchase online. If you refuse the product, you can return the money you paid to a different type of card, such as a debit card. Cash withdrawals from debit accounts are almost always free of charge.

The only inconvenience is that it is unlikely that you will be able to cash out large sums using these methods.

The best lending programs from various banks

Let's consider the conditions for issuing the best credit cards with a grace period and with cash withdrawal without commission from various banks, or what optimal opportunities for using a credit card are provided to customers.

Is it possible to withdraw cash without commission at Sberbank of Russia

It is profitable to receive cash from Sberbank credit cards in its proprietary self-service terms; it is convenient that they are easy to find anywhere. The grace period on credit cards is 50 days; you can withdraw cash during this time with a commission of 3-4%. The interest rate for using the loan after the grace period is 25.9% per year.

Conditions for using the grace period at Alfa-Bank

Alfa Bank sets the best grace period on borrowers’ credit cards – 100 days, more than three months. Please keep in mind: the minimum payment must be made within the first three weeks from the date of cash withdrawal, the remaining debt must be returned within the remaining grace period. Cash withdrawals are subject to a 5.9% commission. The minimum rate for credit cards is 23.9%. It is possible to order an Alfa Bank card with a chip, which allows you to pay for travel needs in European countries.

You can get a standard credit card with the option of withdrawing cash without interest. It is available to persons with an excellent credit history and with proof of income. The grace period is maximum, the percentage of overpayment is within 25-37%.

What is the grace period for the VTB 24 credit card?

VTB 24 Bank issues credit cards with the possibility of profitable cash withdrawals. At an ATM the commission will be 1-5.5%. The grace period is set at 50 days. The decent annual overpayment rate is upsetting - at least 28%.

Card from Raiffeisen Bank with interest-free withdrawal

Raiffeisen issues clients who provide an income certificate indicating earnings of more than 20 thousand rubles per month, a credit card with cash withdrawals from its own ATMs without interest. There is also a negative side - there is absolutely no grace period, interest accrues immediately after the loan is withdrawn. Overpayment from 36% per year, and a separate monthly payment for credit card service of 750 rubles.

Conclusion

It is often possible to withdraw personal funds without interest without interest, but as a rule, you have to pay to withdraw credit funds. Finding and getting a credit card for withdrawing cash without a fee is definitely possible. If you need a one-time large loan, it is better to apply for a cash loan and receive the entire amount at once directly to the branch of the selected office.

Today in Russia, cash is still one of the main means of payment, unlike developed Asian and European countries, where 98% of transactions are carried out by bank transfer. This is one of the main reasons why you may need a credit card with interest-free cash withdrawals. This advantage often turns out to be quite noticeable, since quite high commissions are set for cashing out from a credit card at ATMs.

How to choose a card for withdrawing cash without commission

Not all types of credit cards provide the opportunity to withdraw money without interest. The easiest way to find this option is among the offers. The key feature of such cards is that the client can use borrowed funds for a certain period of time. If he makes the minimum payments on time and manages to repay the debt before the grace period expires, then no annual interest is charged. It is important to consider that not all banks apply these conditions to all transactions; many organizations activate a grace period exclusively for purchases by bank transfer.

If you travel frequently, then it is most convenient to immediately apply for a “plastic” card and withdraw cash from ATMs around the world. When traveling abroad, this option is much more convenient and safer than bringing cash from Russia.

The most favorable conditions that a credit card with interest-free cash withdrawal can provide:

registration and annual maintenance;
cash withdrawal without restrictions at ATMs of any banks;