There are fewer and fewer people without a bank card. This is not surprising, because a small piece of plastic not only replaces a wallet with cash, but also carries a lot of pleasant bonuses.

In today's rating are presented best credit cards of 2014. These cards allow you to use borrowed funds on the most favorable terms.

10. Aeroflot - MasterCard - Alfa Bank

The card is issued free of charge, and the annual maintenance fee is 1,225 rubles. The interest for using a loan from Alfa Bank will be from 18.99%. For every 30 rubles spent from a card account to pay for non-cash services and goods, one mile is accrued for flights by Aeroflot Airlines.

9. Visa or MasterCard Gold from Sberbank

The credit limit for such a card will be up to 600,000 rubles. at a rate of 17.9%. Moreover, the interest-free lending period is 50 days, and the card is valid for 3 years. The cardholder participates in the “Thank you from Sberbank” bonus program.

8. “100 days without interest” - Alfa-Bank

One of the most profitable credit cards in 2016 is issued free of charge, the limit of borrowed funds is up to 150,000 rubles for Classic segment cards and 300,000 rubles for Gold segment, while the interest-free lending period is 100 days. The interest for lending will be from 19.99% per annum.

7. Low Interest Card from Bank of Moscow

The interest for the use of borrowed funds on the card will be from 19.99%. The customer can choose from cards of the classic segment, as well as premium cards. The credit limit is up to 350,000 rubles for classic and up to 750,000 rubles for gold cards. The grace period for loans is 50 days.

6. MasterCard Standard “Classic Card” from BINBANK

The limit of borrowed funds on the card will be 400,000 rubles at a rate of 24% per annum. The validity period of the BINBANK card is 4 years. Grace-free interest-free period - 55 days. The commission for servicing the "Classic Card" in the first year will amount to 475 rubles, then - 950 rubles.

5. MasterCard Standard from OTPBank

The card has the largest credit limit - up to 1,500 thousand rubles. The interest for using the bank’s funds will be 24% when submitting documents confirming the holder’s income. If the card is issued only by passport, the rate will increase to 29.9%. The interest-free period is 55 days.

4. AutoCard World MasterCard® Black Edition from UniCredit Bank

The limit of borrowed funds on AutoCard is up to 1,200 thousand rubles. The interest for using the loan is 24.9%. At the same time, 1% of the funds spent from the card account will be returned to the holder. Of the funds spent on fuel, 3% will return. The premium segment allows the holder of the best card to use the concierge service, insurance programs and discounts when paying for many goods in the affiliate network.

3. MasterCard Standard Citi Select by Citibank

The limit of borrowed funds on the card is 300,000 rubles. at a rate of 22.9% per annum. Cash withdrawals will be charged 3.5% of the amount. Citibank offers a grace period of up to 50 days. The cardholder receives bonus points - "selects", which can be paid in the affiliate network.

2. “Good Card” MasterCard Standard from MDM Bank

Credit limit on the card - up to 300,000 rubles. at a rate of 21% per annum. A cash withdrawal fee of 4.5% per annum is charged. No annual maintenance fee will be charged. The interest-free lending period from MDM Bank is 52 days.

1. MasterСard Unembossed from TRUST Bank

Best Credit Card allows you to use borrowed funds up to 500 000 rubles. at an attractive rate of 12.9% per annum. Moreover, the card issue takes 15 minutes. An interest-free lending period of 55 days. Card service is free of charge.

Watch the video: The Best Credit Cards for Travel Rewards (May 2025).