Who is better: compare 5 popular credit cards
Contrary to the established tradition of calling any credit cards, even salary cards, this review will focus on the most genuine credit cards. The fact is that a new version of credit-card.ru was recently released, in which the most powerful functionality for comparing and selecting credit cards in RuNet with dozens of parameters based on a manually assembled base of 1200 cards appeared. This allows you to make a choice of hundreds of credit cards as transparent as possible. In addition to replenishing the base, the editors of the project write their own reviews of the most interesting proposals. In order to show how this works, we selected the 5 most interesting credit cards on the market:
“Russian Standard Classic Online”, “Tinkoff Platinum”, “Transparent Card” Renaissance Credit, “Supercard” of Promsvyazbank and “Universal Card” of Svyaznoy Bank .
The topic of loans is one of the most holivarny in runet, so I’ll just make a reservation that this post - like the project as a whole - for those who believe that a credit card with an interest-free period doesn’t even mean fu-fu, but very convenient. The only question is how to choose a credit card more profitable - with an interest-free period longer, a credit limit higher, service and cash withdrawal cheaper.
All five cards chosen by us support 3D Secure (a technology that allows you to pay for purchases with payment confirmation by an SMS code). At the same time, only Tinkoff and Svyaznoy allow paying for purchases through contactless terminals based on the NFC chip PayPass / PayWave. Despite the fact that there are more and more NFC-enabled terminals, on the scale of the whole of Russia this is rather a function indicating the advancement of this or that bank than a real competitive advantage.
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The only bank requiring a client to register in the region at the place of issue of the card was the Renaissance. Millions of potential card users living in megalopolises without permanent registration can exhale: in TKS, Svyaznoy, Russian Standard and Promsvyazbank they will not be asked to register their registration.
At the same time, the Renaissance is also thinking about the decision to issue a card for up to two days: not otherwise, as it punches the client at the place of registration. For some reason, Promsvyazbank needs a day, Svyaznoy gives an answer in half an hour, and Tinkoff and Russian Standard make a decision almost instantly.
Tinkoff is more democratic than all by age requirements: the card can be obtained from 18 years. The requirements for their borrowers from Promsvyazbank and Svyaznoy to be over 21 are also quite adequate. But the lower age of the Renaissance - 24 years, and the Russian Standard - 25 years - except draconian can not be called.
In order to withdraw cash, Russian Standard and Promsvyazbank need to pay 4.9% of the withdrawal amount. TCS, Svyaznoy and Renaissance claim for 2.9% +290 rubles. It is easy to calculate that when the amount of withdrawal is less than 14,500 r, it is more profitable than the RS and PSB, and at the most, TKS, Svyaznoy and Renaissance. But, of course, it’s better not to tease the toad at all, and avoid withdrawing cash from credit cards at all - they are not for this purpose.
Promsvyazbank with a free card service is decisively pushing ahead. "Russian Standard" and "Renaissance" will ask you for service only from the second year - however, the Renaissance for some reason immediately 900 rubles, and the RS - only 600. Tinkoff and Svyaznoy want 590 and 600 rubles to year, respectively, immediately.
At the same time, Promsvyazbank also has the highest credit limit - up to 600 tr.
The period of preferential crediting on all cards is about the same - 50 days for Svyaznoy, and 55 days for the rest.
One of the most important parameters of the card is%, which the banks claim for their particular borrower - but this is never less than 24-29% per annum, and maybe even more. About how much a real bet can make, we found out using the example of Tinkov.
Attempts by our expert to find out the real rate went through several stages: from formal replies in social networks - “it’s hard to assume before analyzing your credit history and personal data” and by e-mail: “The bank sets various interest rates on the Loan depending on the type of operations ... Also, the percentage will be depend on the maturity date ... The client can familiarize himself with the Tariffs and decide whether to use the Card or not ” - before calling the call center, during which at first they informed that the rate for non-cash transactions will be from 24.9% for use in cash - from 32.9% and above, and then recommended to focus on 0.12% per day. If it seems to you that this is not enough, then you are mistaken - in terms of annual interest, the rate will be ~ 43.8% - not a very generous offer from a bank that does not have to spend money on branches.
Since the approach to the formation of rates is individual, and depends on from the borrower's credit history, it is impossible to draw unequivocal conclusions about the more favorable conditions of a bank from the review - they are all equally harsh, so try just not to go beyond the grace period.
We collected the results of the comparison in a small rating plate:
Iv. The “Renaissance Transparent Map” turns out to be an outsider of comparison: it is not enough to release a transparent plastic card to become an innovative product. In the asset - only free service in the first year. In liabilities - the requirement of registration, 2 days for consideration of the application, the short card validity period, expensive service from the second year.
Iii. Bold, but perhaps the only outstanding quality of the Tinkoff Platinum card is the possibility of receiving it by mail, without visits to bank branches, which simply do not exist. The rest of the TKS card does not stand out among the other options, but falls into the top three for innovation due to the support of NFC payments.
Ii. The principal difference between the Universal Card of Svyaznoy Bank and ordinary credit cards is the ability to use the same card as a debit card, and even get a% on the balance. In difficult life situations, you can use the same card as a credit card and borrow money without interest for a grace period of up to 50 days. The advantage is also the possibility of quickly processing and receiving a card in any salon of the Svyaznoy mobile communication in 20 minutes; and the ability to use the card as a debit card with a charge of 3-7% per annum on the balance monthly.
I. Promsvyazbank's “Supercard” - free service, the highest credit limit, bonuses that accrue when making purchases, a long first LP, a multifunctional Internet bank. Credit card can be issued with a minimum number of documents and trips to the bank. Inflated interest rates spoil the overall picture, but the Supercard still looks like an interesting option.
“Russian Standard Classic Online” is distinguished by its free first year of service and the longest card issuance period is 5 years, and by the combination of properties these two cards are among the leaders of comparison.
Of course, this ranking remains approximate - our task is to simplify navigation in the world of banking products, but our own rating of preference of cards will allow you to form only an appeal to selected banks and a voiced% on loan and credit limit. If this format takes root on Habré, then we will continue to publish author’s reviews of maps - including and on requests that you will leave in the comments.
Good luck and money cheaper!
“Russian Standard Classic Online”, “Tinkoff Platinum”, “Transparent Card” Renaissance Credit, “Supercard” of Promsvyazbank and “Universal Card” of Svyaznoy Bank .
The topic of loans is one of the most holivarny in runet, so I’ll just make a reservation that this post - like the project as a whole - for those who believe that a credit card with an interest-free period doesn’t even mean fu-fu, but very convenient. The only question is how to choose a credit card more profitable - with an interest-free period longer, a credit limit higher, service and cash withdrawal cheaper.
Card features
All five cards chosen by us support 3D Secure (a technology that allows you to pay for purchases with payment confirmation by an SMS code). At the same time, only Tinkoff and Svyaznoy allow paying for purchases through contactless terminals based on the NFC chip PayPass / PayWave. Despite the fact that there are more and more NFC-enabled terminals, on the scale of the whole of Russia this is rather a function indicating the advancement of this or that bank than a real competitive advantage.
')
Conditions of receipt
The only bank requiring a client to register in the region at the place of issue of the card was the Renaissance. Millions of potential card users living in megalopolises without permanent registration can exhale: in TKS, Svyaznoy, Russian Standard and Promsvyazbank they will not be asked to register their registration.
At the same time, the Renaissance is also thinking about the decision to issue a card for up to two days: not otherwise, as it punches the client at the place of registration. For some reason, Promsvyazbank needs a day, Svyaznoy gives an answer in half an hour, and Tinkoff and Russian Standard make a decision almost instantly.
Tinkoff is more democratic than all by age requirements: the card can be obtained from 18 years. The requirements for their borrowers from Promsvyazbank and Svyaznoy to be over 21 are also quite adequate. But the lower age of the Renaissance - 24 years, and the Russian Standard - 25 years - except draconian can not be called.
Interest and payments
In order to withdraw cash, Russian Standard and Promsvyazbank need to pay 4.9% of the withdrawal amount. TCS, Svyaznoy and Renaissance claim for 2.9% +290 rubles. It is easy to calculate that when the amount of withdrawal is less than 14,500 r, it is more profitable than the RS and PSB, and at the most, TKS, Svyaznoy and Renaissance. But, of course, it’s better not to tease the toad at all, and avoid withdrawing cash from credit cards at all - they are not for this purpose.
Promsvyazbank with a free card service is decisively pushing ahead. "Russian Standard" and "Renaissance" will ask you for service only from the second year - however, the Renaissance for some reason immediately 900 rubles, and the RS - only 600. Tinkoff and Svyaznoy want 590 and 600 rubles to year, respectively, immediately.
At the same time, Promsvyazbank also has the highest credit limit - up to 600 tr.
The period of preferential crediting on all cards is about the same - 50 days for Svyaznoy, and 55 days for the rest.
In practice, 55 days at 0% almost never goes - and we will write a separate article about this.
One of the most important parameters of the card is%, which the banks claim for their particular borrower - but this is never less than 24-29% per annum, and maybe even more. About how much a real bet can make, we found out using the example of Tinkov.
Attempts by our expert to find out the real rate went through several stages: from formal replies in social networks - “it’s hard to assume before analyzing your credit history and personal data” and by e-mail: “The bank sets various interest rates on the Loan depending on the type of operations ... Also, the percentage will be depend on the maturity date ... The client can familiarize himself with the Tariffs and decide whether to use the Card or not ” - before calling the call center, during which at first they informed that the rate for non-cash transactions will be from 24.9% for use in cash - from 32.9% and above, and then recommended to focus on 0.12% per day. If it seems to you that this is not enough, then you are mistaken - in terms of annual interest, the rate will be ~ 43.8% - not a very generous offer from a bank that does not have to spend money on branches.
Since the approach to the formation of rates is individual, and depends on from the borrower's credit history, it is impossible to draw unequivocal conclusions about the more favorable conditions of a bank from the review - they are all equally harsh, so try just not to go beyond the grace period.
Summing up
We collected the results of the comparison in a small rating plate:
 Russian standard |  Tinkoff Platinum Tks |  Renaissance Credit |  PromsvyazBank |  Svyaznoy Bank | |
| Validity | 5 years +3 | 3 years +2 | 2 years +1 | 4 years +3 | 3 years +2 |
| Consideration | instantly +4 | 2 minutes +4 | 2 days +2 | 1 day +3 | 25 minutes +4 |
| Service | 0 rub. / 600 rub. +4 | 590 rub. +2 | 0 rub. / 900 rubles. +3 | 0 rub. +5 | 600 rub. +1 |
| Cash withdrawal | 4.9%, min. 200 rub. +4 | 2.9% + 290 rubles. +2 | 2.9% + 290 rubles. +2 | 4.9%, min 299 rubles. +3 | 2.9% + 290 rubles. +2 |
| Chips | 3D Secure +1 | 3D Secure, PayPass, chip +3 | 3D Secure +1 | 3D Secure Chip +2 | 3D Secure, PayPass, chip +2 |
| Special features | Cash back +2 | 3-7% on the balance +3 | |||
| Total | sixteen | 13 | eleven | sixteen | 14 |
Iv. The “Renaissance Transparent Map” turns out to be an outsider of comparison: it is not enough to release a transparent plastic card to become an innovative product. In the asset - only free service in the first year. In liabilities - the requirement of registration, 2 days for consideration of the application, the short card validity period, expensive service from the second year.
Iii. Bold, but perhaps the only outstanding quality of the Tinkoff Platinum card is the possibility of receiving it by mail, without visits to bank branches, which simply do not exist. The rest of the TKS card does not stand out among the other options, but falls into the top three for innovation due to the support of NFC payments.
Ii. The principal difference between the Universal Card of Svyaznoy Bank and ordinary credit cards is the ability to use the same card as a debit card, and even get a% on the balance. In difficult life situations, you can use the same card as a credit card and borrow money without interest for a grace period of up to 50 days. The advantage is also the possibility of quickly processing and receiving a card in any salon of the Svyaznoy mobile communication in 20 minutes; and the ability to use the card as a debit card with a charge of 3-7% per annum on the balance monthly.
I. Promsvyazbank's “Supercard” - free service, the highest credit limit, bonuses that accrue when making purchases, a long first LP, a multifunctional Internet bank. Credit card can be issued with a minimum number of documents and trips to the bank. Inflated interest rates spoil the overall picture, but the Supercard still looks like an interesting option.
“Russian Standard Classic Online” is distinguished by its free first year of service and the longest card issuance period is 5 years, and by the combination of properties these two cards are among the leaders of comparison.
Of course, this ranking remains approximate - our task is to simplify navigation in the world of banking products, but our own rating of preference of cards will allow you to form only an appeal to selected banks and a voiced% on loan and credit limit. If this format takes root on Habré, then we will continue to publish author’s reviews of maps - including and on requests that you will leave in the comments.
Good luck and money cheaper!
Source: https://habr.com/ru/post/217767/
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