Top 10 Credit Cards Without Income Confirmation

Classic loans gradually recede into the background, they are actively replaced by cards. These are modern offers of banks, which imply the use of funds without interest for a certain period. These cards are designed to pay for purchases and extremely rarely - for cash withdrawals. Often, customers who need to apply for a credit card have only a passport with them or cannot document their income. Especially for such cases, some banks provide the possibility of processing without additional references. What are the criteria for choosing the best credit card?

1. Interest free period. It can be standard - about 50 days, and can reach several months.
2. Interest rate. In cases where you did not have time to pay off the debt during the grace period, interest will begin to be credited to it. The lower the rate, the better the conditions.
3. Cost of use. It consists of a commission for maintenance, information in SMS messages, etc.
4. Bonuses from purchases. Many banks provide an opportunity to save on costs through cashback service. This means that a certain percentage of each payment is returned to the card in the form of bonuses, which later you can either pay for the goods or get a good discount.

We found out which credit cards are the best without confirming income. When choosing relied on the following characteristics:

• holder reviews;
• terms of the card;
• the presence of hidden fees.

Best credit cards without income proof

10 VTB - "Multicard (credit)"

The VTK multi-card has the best conditions for lovers of fine-tuning the use criteria. The client chooses which bonuses he wants to receive: interest, cashback, miles or points. They can be exchanged for rubles once a month. For purchases in the categories of "restaurants" and "auto" is charged 10%. When applying for a credit limit of up to 300 thousand, only a passport is required. Proof of income is required for large amounts. The grace period lasts 50 days, the rate is 26%. With active use credit card service is free.

When switching options, accumulated miles and bonuses do not burn, but they have time limits. Only one higher category can work at a time. But travel counted separately. The main disadvantage is expensive service: from 3 thousand per year, depending on the status of the card. For free use, you must be extremely active in paying with a credit card. At least 75,000 rubles per month.

9 Sviaz-Bank - Cash Back

With Svyaz-Bank's Cash Back credit card, you can set up a refund for your own needs. The organization offers the most flexible conditions. 7% returns from partner stores, only 1% from others. The client chooses one category from which he receives an increased cashback. It can be changed for free every month. There are restaurants, cars, travel. The grace period is maintained for 55 days if you do not withdraw cash.Replenishment is possible from the terminal of any bank.

The grace period is burned when making the minimum payment, but not completely paying off the debt. Then on purchases are charged 25% per annum. For cash withdrawals take a commission of 4.5%, but not less than 450 rubles. But the issuance of own funds from the terminals of the bank is not subject to interest. The daily limit is 300 thousand, monthly reaches 600 000. There is an SMS informing service, it will cost 60 rubles / month. However, once every 30 days, the bank notifies of all transactions for free.

8 Kiwi Bank - "Conscience"

The installment card "Conscience" is one of the most popular credit cards to pay for purchases without confirming income. It allows you to spend money now, and return them without interest on average in 3-4 months. You can use it at the bank’s partners, which number more than 40,000. Some of them provide a grace period of up to one year. The maximum renewable limit is 300 thousand rubles. For the convenience of customers, the bank notifies you about SMS transactions, reminds you of the date of payment.

You can replenish your account in many ways, the commission for this is not charged. Partners include Aeroflot, M.Video, Shatura, and others. In the personal account, the application provides complete information on transactions with the account. Advantages: clear and favorable terms of use, quick card issuance, very low rate - only 10% outside the grace period.

7 East Express Bank - "Just 30"

The most interesting conditions are offered by the card Just 30 from East Express Bank. The grace period is 60 months, additionally given 25 days from the date of the billing period when the application was filed. The organization does not take a percentage, withdrawing 30 rubles a day if there is a debt. The credit card has no annual maintenance, is issued without a fee. The bank has the best conditions for the youngest and oldest clients. However, SMS informing is paid. The card limit is 200 thousand rubles.

The bank has quite loyal conditions for violation of maturity: only 0.1% of the amount. Once a month rely free statements, there is the possibility of linking to Samsung Pay and Google Pay. A passport is required for registration, income confirmation is not required. For a purchase in online stores, the bank’s partners have a cashback of up to 40%, links are available on the official website. There are limits for cash withdrawals, which depend on the card status.

6 Alfa-Bank - “100 Days Classic”

100 days Classic from Alfa-Bank is the best choice for those who want to withdraw cash. This operation does not interrupt the grace period, has no predatory commission. You can apply for a credit card on the official website, proof of income is not required. The service depends on the limit and category, for example, it will cost 1 490 rubles for 500 thousand bank funds. However, the grace period is maintained only with a regular payment of the minimum payment equal to 5% of the debt (at least 320 rubles). If the condition is violated, the amount is charged 1% daily.

Clients warn that a card can be charged up to 50 thousand rubles a month without a fee, otherwise the bank will take 5.9%, but not less than 500 rubles. He removes this percentage for quasi-cash, that is, transfers to e-wallets, payment of lottery tickets, traveler’s checks, operations with bookmaker accounts. A credit card can be replenished from any ATM. Through the site limits are set at the discretion of the user.

5 SOVKOMBANK - “Halva”

SOVKOMBANK last year introduced a profitable installment card, which became the most popular among similar products. At the first purchase you are given a unique opportunity to return the money spent without interest during the year. All subsequent payments are subject to similar conditions, which depend on the particular store. The bank’s partners include the largest chains selling children's goods, household appliances, travel agencies, optical stores, jewelry, etc.

With it you can not withdraw funds in the form of cash, because"Halva" is created for the purchase of goods. By the way, the bank returns 1.5% back to the client when spending their own money. The advantages include favorable conditions of use, the possibility of delivery by courier, the absence of a commission for the service, the best limits on a grace period. Disadvantages: you can not withdraw cash.

4 Raiffeisenbank - "#RIGHTLY"

The card with the tempting name ALL-DEFINING from Raiffeisenbank offers the best bonus conditions. The user receives a cashback of up to 5% for any purchases, including appliances, products, tickets, utilities. Accrued points can be exchanged for gift certificates and rubles. The credit limit is 600 thousand, ahead of many competitors. The grace period lasts 52 days. Until the end of June 2019, when issuing a card, a free year of service is given. Otherwise the cost is 1 490 rubles (1 990 rubles for an individual design).

To apply and issue a card, a passport of the RF is enough. However, the best conditions are provided when confirming income. Accumulated points burn out after 36 months, it can be seen in the personal account on the site. The annual maximum cashback is 40 thousand rubles. Judging by the reviews, this value cannot be reached. The bank has the right to unilaterally change the conditions of the bonus program, this has happened several times in the last 2 years.

3 Tinkoff - ALL Airlines

The following card also does not require proof of income. You only need to fill out an online form with passport data, and then, with a positive answer, wait for delivery directly to the house. ALL Airlines was created for those who cannot imagine their life without traveling. Holders receive a free life insurance for a large amount and very favorable cashback conditions. With each payment, 2% of expenses are charged in the form of miles, and for operations related to travel (buying tickets, booking hotels and cars) to 10%.

The maximum amount on the card can reach 700 thousand rubles. For withdrawals at an ATM or online transfer, you must pay a fee of 390 rubles. You can return spent money without overpay within 55 days. The minimum annual rate when paying by card is 18.9%. Main advantages: operates worldwide, a multifunctional Internet bank, the best conditions for travelers.

2 Home Credit Bank - "Card with the benefit of GOLD"

The card from Home Credit Bank is issued on just one document and does not require the presentation of certificates of income. It provides for a renewable limit of up to 300 thousand rubles. The bank allows all cardholders to take part in the special program "Benefit". This means that with each payment for goods in online stores you will get up to 10% cashback. At the same time, absolutely every purchase, both online and in real stores, is guaranteed to be charged up to 3%.

The rate for using funds outside the grace period is 29.8% per year. Interest-free period reaches 51 days. At the beginning of each period (year) a fee is charged 990 rubles. for the service. Each holder can connect a mobile bank, SMS alerts, take out insurance, etc. Cons: 4.9% of the amount will have to be paid when withdrawing cash.

1 Russian Standard Bank - "Platinum"

An important difference between a Platinum credit card is a very favorable terms of provision. These include the ability to withdraw funds absolutely no commission, the annual rate of 21.9%, free top-up. You can withdraw cash in any country, city and ATM. The maximum amount of funds on the card is 300,000 rubles. It is set for each client separately at the discretion of the bank.Up to 5% of the cost is returned to the account. The interest-free repayment period reaches 55 days.

You can apply for the issue online. Maintenance costs 499 rubles. per year or just 42 rubles. per month. For registration you need only a passport. The bank often holds promotions that allow holders to make purchases with big discounts from partners. Main advantages: cashback, low-cost service, fast consideration of the application.

Popular vote - which credit card is the best without a proof of income?
We vote!

Kiwi Bank - "Conscience"

Russian Standard Bank - "Platinum"

Home Credit Bank - "Card with the benefit of GOLD"

Tinkoff - ALL Airlines

SOVKOMBANK - “Halva”

Raiffeisenbank - "#RIGHTLY"

Alfa-Bank - “100 Days Classic”

East Express Bank - "Just 30"

VTB - "Multicard (credit)"

Sviaz-Bank - Cash Back

Total votes: 15

Vote results