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For a long time, banking institutions have been offering customers to purchase a card by providing only two identification documents. One must be a passport, and the second is any other identification document. In this case, consideration of the questionnaire completed by the client is carried out within 5 minutes. So, there are the following most popular cards issued under two documents.
1.110 days of Raiffeisen Bank. The limit of this card is as much as 600 thousand rubles. You only have to pay for the service of the card in the amount of 1800 rubles annually. If you spend more than 8 thousand rubles on the card every month, then you will not have to pay for the service at all. The card is issued free of charge. The size of the Grace period is 110 days. The cost of SMS banking is 60 rubles, which will need to be paid monthly. You can withdraw a credit line at the bank’s ATMs for a commission of 3% + 300 rubles. In other people’s ATMs, the commission is higher and amounts to 3.9% + 390 rubles. You can get a card from the age of 23. Its disadvantage is
2. Alfa bank card without expenses. Its limit is 300 thousand rubles. No money is paid for the first year of service. For subsequent years, you will have to pay an amount of 990 rubles annually. The issue is free. The grace period is 60 days, and the cost of SMS banking is 59 rubles per month. For withdrawing money from ATMs of the bank, a commission of 5.9% is paid, but not less than 500 rubles. The same fees apply when withdrawing money from third-party ATMs.
3. Credit card Renaissance credit. The card limit is 200 thousand rubles. Issuance and maintenance of the card is free, which is good news. The grace period is only 55 days, which is less than the previous cards. SMS banking 50 rubles per month. You can cash out at any ATM for 2.9% + 290 rubles of a fixed commission. There is also a bonus program «Simple Joy», which involves the accrual of a cashback in the amount of 1 percent of the purchase amount that was paid by the card. If you make purchases in a special category, the client will receive a refund of 10% of the purchase price. Bonuses can be exchanged for various products in many categories. The latter change monthly.
As you can see, each card has its own disadvantages and advantages. If you need a large limit, then you should choose a Raiffeisen bank card. If you do not want to pay for the issue and maintenance of the card, then only the Renaissance Credit card will do.