Alfa Bank credit card – how to get, terms of registration and use

The content of the article

• How to get Alfa Bank credit card
• Alfa Bank credit card – terms of use
• Cash withdrawal from Alfa Bank credit card
• Alfa Bank Credit Card Limit

70% of people at least once faced with a situation when they urgently need money, but they are not. Deal with such circumstances will help a credit card at Alfa Bank. The company offers favorable terms of debt repayment and inexpensive annual service.

How to get Alfa Bank credit card

It is required to fill out and send an application online through the official website of the company. After 10 minutes, a preliminary decision of the bank will come on whether they will give out a credit card to the questionnaire. If it is positive, then go to the nearest branch of the company with a passport. To get Alfa-Bank credit card, you need to bring one of the following documents with you:

• international passport;
• TIN;
• SNILS;
• driver’s license;
• MHI policy.

The conditions for obtaining an Alfa Bank credit card for borrowers who have submitted a 2-NDFL certificate differ. The company sets a lower interest rate for them, a larger cash limit. Simplified conditions for obtaining credit cards apply to people who get paid through this company. They come to the office of the organization with a passport of the Russian Federation, and are not required to provide other documents. Alfa-Bank plastic credit card after approval is issued instantly.

Alfa Bank credit card – terms of use

The service can be used by solvent citizens of the Russian Federation over 21 years of age. Re-issuance of platinum, Gold and Classic credit cards is free of charge. New customers are advised to leave the preliminary application online. Alfa Bank credit card terms include a grace period of 60 to 100 days. The system of interest-free lending works while each month 5% of the loan amount is deposited into the account. If the payment was missed, the grace period automatically ends, and the lender accrues penalty interest on the entire amount borrowed.

The credit limit for beginners who have never applied to this bank will be a maximum of 150,000 rubles. For the first year of use, no fee is charged. The borrower must confirm his permanent residence in the region where the organization is located and a stable source of income. With a long delay, the client falls into the list of those who will not be able to order this service again. Full details on how to use Alfa-Bank’s credit card and on requirements for its holders are contained in the contract.

Cash withdrawal from Alfa Bank credit card

You can perform this procedure many times, not only at the ATMs of the company, but also at other organizations issuing money. It is possible to withdraw cash from Alfa Bank’s credit card while in another state, but in the reviews, customers talk about large commissions from the company for such transactions. With a credit card, you can make transfers to other individuals. Organizations cannot send money. It is easy to calculate the cost of the commission for sending funds in your personal account.

Money is withdrawn in the currency of the country, conversion is carried out at the internal rate of the organization. Clients can control costs by connecting notifications. Messages will be sent to the owner’s mobile phone with information about write-offs of money from a credit card, about the expiration of its validity, and about other operations. You can apply for this service through the organization’s call center. If the credit card is lost, you must immediately contact the bank to block it.

Alfa Bank Credit Card Limit

Limitations on monthly withdrawals depend on the degree of customer reliability, type of card and payment system:

• The limit of Alfa Bank’s credit cards “100 days without%” of Classic type is 150,000 rubles.
• In the “golden” series, the amount increased to 300,000 rubles.
• The largest cash limit for the Platinum series: it is 750,000 rubles.
• Alfa Bank lending program provides for increasing the limit for customers who have proven their loyalty.

No more than 200 000 rubles can be withdrawn from the card by default by default in 30 days. New customers will eventually be able to reduce the amount limits. An application for this purpose can be submitted 6 months after issuing a credit card, there should be no delays. Also, bank employees pay attention to the ratio of payments to income: they should not exceed 30% of the salary.