Top 10 credit cards for cash withdrawals

As a rule, credit cards are sharpened by using them with non-cash payment terminals. This is beneficial to the bank and convenient to shopping. But sometimes it happens that it is impossible to use bank transfer. For example, there is hardly a card terminal on the market or in any village shop. Yes, and always need money to travel. In addition, some people simply do not like to use the card and prefer cash.

Regular credit cards do not allow you to withdraw money at ATMs without any extra costs. They charge a rather high commission for each operation. But there are offers that allow you to quietly receive cash without overpaying for it. Of course, this service is not always completely without interest, but the lower the commission, the better. We offer you a rating of the best credit cards for cash withdrawals.

The main criteria for the selection of products, we took three - the commission (or lack thereof), the interest rate and credit limit. Due to this, we were able to make a rating of the most convenient and profitable cards, not only for cash withdrawals, but also for comfortable use and a painless (as far as possible) return.

Top 10 best cash card withdrawals

10 Money Zero (MTS Bank)

Microcredit card with a fixed commission. Allows you to get money instantly and without interest. This card is an excellent solution when finances are urgently needed, but not for long. Because with an apparent profit of 0% per annum and a similar commission for withdrawal, there is a feature. For each day the use of credit money will have to pay 30 rubles. With the largest limit of 150 thousand rubles, it will be somewhere 7.2% per annum, if you withdraw the entire amount for this period.

It is not necessary to pay money on debt in equal installments, divided by installments. It is enough to deposit the minimum amount (approximately 5% of the debt) once a month up to the 20th day. The deadline for a refund is 3 years and 20 days. The card is served completely free of charge. We'll have to give money to the bank only for the issue - only 299 rubles.

9 "Conscience" (Qiwi Bank)

Kiwi Bank offers a convenient credit card for those who prefer to purchase goods by installments, and often use cash. The limit on it - up to 300 thousand rubles. The installment period varies from 1 to 12 months at partner stores. The card is free, you will not have to maintain and pay for information. At the same time, there are many useful options for money. The only drawback is that in ordinary stores you can buy something only after connecting a special package of services for 499 rubles a month.

“Conscience” is an installment card, withdrawing funds from which is beneficial only for large amounts. She has a fixed commission of 499 rubles per transaction. With small expenses to withdraw money from it is not too profitable. But when you need most of the credit limit, it starts to make sense. If you delay the payment, it is subject to a commission of 290 rubles and the rate of 29.9%.

8 “Just” (Eastern Bank)

A credit card with interest-free installments for a period of 5 years and a relatively small credit limit of 70 thousand rubles. The peculiarity of her is the same as that of “Money Zero” - you will have to pay 30 rubles per day for using credit funds. But, unlike the MTS Bank card, here the crediting period is longer - 5 years. In reviews, customers note a high review rate - not 30 minutes, as the bank promises, but faster than other institutions.

Not too happy that the commission per year in an ideal scenario will be at least 15.6%. But this is not the largest percentage among the credit products of various banks. The main advantage of the card is a huge cashback for online purchases. They will charge up to 40% for each purchase on the Internet from partner stores. So the card will be beneficial to those who prefer to buy everything you need on the network.

7 Visa Gold (Intesa)

Standard credit card with gold privileges and additional bonuses from the bank. Allows you to use a limit of funds of up to 350 thousand rubles. There is a 55-day grace period for the use of credit money, after which the rate will be 25.5% per annum. In case of delay in payment of interest will be 64% per annum.

It's nice that Intesa allows you to open up to three duplicate cards with separate settings for each. The institution also gives free SMS-informing with maximum details. In the reviews, customers emphasize that bank employees always try to do the maximum for the client, if they have enough experience to do so. In addition, all the benefits of Visa Gold are still valid - for example, corresponding discounts for certain categories of goods and services.

6 Cash Card (Rosbank)

As part of the "Cash Card" from Rosbank, you can receive from 30 to 300 thousand rubles for personal use. The product has a relatively good grace period, which is valid for cash withdrawals - 62 days. In this case, after its completion, the rate per year will be at least 28.9%. And in case of delay on the debt will be charged penalties in the amount of 18.25%. To prevent this, in the month will have to pay at least 5% of the debt. Every year Rosbank withdraws 890 rubles for servicing.

I am glad that the tariffs for using the card are the same throughout the world. Therefore, you can safely take her abroad, because MasterCard works literally everywhere. Conversion, if necessary, occurs at the rate of Rosbank. But, unfortunately, the fee for the withdrawal of money in any ATM is still present. Although it is the minimum - 1% of the amount, or 290 rubles, if the percentage does not reach this value.

5 "Understandable Gold" (OTP Bank)

Free MasterCard Gold category card. Allows you to enjoy all the privileges of "gold" cards, while not paying for their service a penny. It has a credit limit of 300 thousand rubles and a 55-day grace period. As a gift - SMS-informing and monthly statement of operations. A day can withdraw no more than 45 thousand rubles.

It's nice that the bank decided to split the tariffs of the card for those who like to withdraw cash and those who pay by bank transfer. In the first case, the percentage for ordinary purchases will be slightly higher (28.9%), and for withdrawn money - lower (38.9%). Tariff with non-cash payment suggests 26.9 and 44.9% respectively. Naturally, for all purchases (not withdrawals through an ATM) with credit money, there is a grace period of 55 days. But if you do not pay, the penalty will be 20% per annum with the accrual on the amount of debt.

4 Cash (Raiffeisenbank)

Card specifically for cash withdrawals at ATMs. At least it is so positioned. The plastic is delivered to the house on the same day when it is approved in the bank for issuance. So do not have to wait long. You can withdraw money for free only at “your” ATM.Terminals of third-party banks are subject to a commission of 0.5% (from 50 rubles). The main advantage of the bank and credit cards are convenient ways to manage and view transactions. Raiffeisenbank has some of the best Internet banking systems and a mobile application, so you can familiarize yourself with your account anytime, anywhere.

The card offers a large limit - up to 600 thousand rubles. Unfortunately, the product has no grace period. So the percentage starts to drip on the first day. For the card itself will have to pay 890 rubles a year. Credit funds are subject to a rate of 29% per annum and higher. Conveniently, you can open a duplicate card for relatives or spouse for 500 rubles a year.

3 Platinum (Russian Standard)

A full platinum level credit card with many additional options. It is profitable, reliable and relatively cheap. Russian Standard offers smart cashback up to 15% to cardholders. In the reviews, customers note that the card is quite good, and the bank itself willingly meets customers in the event of any problems.

The conditions for this product are quite good. First of all: money in any ATMs is withdrawn for free. The credit limit is 300 thousand rubles. They are subject to an annual rate of 21.9% and higher. But at the same time, the bank offers interest-free installments for 12 months on the card when buying from partners. For other operations, there is a grace period of up to 55 days. The annual service for a card of this level is ridiculous - only 499 rubles. An important caveat: in order to preserve the free issuance of money at ATMs, you need to withdraw no more than 10 thousand rubles a month. Anything higher is subject to a commission of 2.9% and an additional 290 rubles.

2 "100 days without interest" Classic (Alfa-Bank)

Alfa-Bank offers a full installment card with a period of 100 days and a profitable percentage. It is suitable for use in the "original" non-cash form, and for withdrawing cash. The limit is up to 300 thousand rubles. The grace period is 100 days and applies to withdrawals as well. But it is important every month to pay the minimum amount (up to 10%) of the debt. Otherwise, waiting for an annual rate of 23.99%. The card itself will cost 1,190 rubles a year.

There is no commission for receiving money from an ATM. But only if a month to shoot no more than 50 thousand rubles. Otherwise, the percentage may be from 3.9% and above. In addition to free withdrawals at ATMs, finance can be transferred to cards of any banks without a fee. So it can be used to refinance other credit cards. It can also be replenished for free from any cards. As for customer service, Alfa-Bank, judging by the reviews, seeks to take care of customers and their convenience, so no problems will arise.

1 “Just a credit card” (Citibank)

And finally, the leader of the ranking of the best credit cards for cash withdrawals. This is a really convenient and simple map with many advantages. It occupies a well-deserved first place not only because it has a free withdrawal at an ATM. It is generally free. There is no need to pay for the issue or service, there are no late fees (except for a percentage increase). But there is a grace period of 50 days and an installment plan with a reduced interest rate.

The maximum funds limit is up to 300 thousand rubles. The percentage is not the lowest - from 22.9% for ordinary loans and from 18% for transactions in installments. But if you do not miss the payments and pay the debt on time before the end of the grace period, then no sanctions will follow. You can withdraw money in cash absolutely free. And not only through Citibank terminals, but also devices of other banks. There are several additional features, such as connecting a transport card. But they are paid, albeit cheap.

Popular vote - which credit card is best for cash withdrawals
Voting

Just a credit card (Citibank)

100 days without interest (Alfa-Bank)

Platinum (Russian Standard)

Cash (Raiffeisenbank)

Understandable Gold (OTP Bank)

Cash Card (Rosbank)

Visa Gold (Intesa)

Just (East Bank)

Conscience (Qiwi Bank)

Money Zero (MTS Bank)

Other

Total voted: 27

Vote results