Credit Card * Credit Online

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On this page we have collected the best credit card offers for you. The big advantage is that they can be made online in 5 minutes. Almost instantly learn about the decision and get your credit card without providing income certificates.


Passport credit cards with instant decision


 Passport credit cards with instant decision


To obtain the best conditions, we recommend submitting an application at once in two, three banks and comparing the received personal offers.


Today, Tinkoff Bank, Alfa-Bank and Renaissance Credit offer the most interesting and favorable terms for credit cards. Each of their banks has its own advantages and disadvantages, but there are positive points that unite them:

  1. You can apply via the Internet;
  2. the grace (interest-free) period is valid;
  3. no release fee;
  4. income certificate is not required;

Bank “Renaissance Credit” is suitable for those who need a credit card urgently. You make an online application, find out the solution in 5 minutes – and on the same day take your card.

Alfa-Bank has more serious requirements for customers, and the release of “plastic” will take at least 3 days. But here is the longest grace period – as much as 100 days without interest.


Credit card without income certificates


Credit card without income certificates


  Tinkoff Bank Renaissance Credit Alfa Bank
Credit limit Up to 300,000 rubles. Up to 200,000 rubles. Up to 300,000 rubles.
Grace period Up to 55 days Up to 55 days 100 days
Registration and receipt 1-7 days 1 hour 3-5 days
Free edition Yes Yes Yes
Without income certificate Yes Yes Yes
Cashback Yes Yes Not


The lowest interest rate is declared by Tinkoff Bank and Raiffeisen Bank, but it’s not worthwhile to focus on the minimum level. The final percentage is still set individually, it depends on the client, his credit history and the documents provided. To find out your bet, it makes sense to place online applications for credit cards to several banks at once.

Rating of banks with the lowest interest on loans →

For removing cash from a credit card, Tinkoff Bank and Renaissance Credit charge 2.9% of the amount plus 290 rubles. Alfa-Bank takes twice as much, but even when withdrawing cash, it “includes” its 100-day interest-free period.

Apply for a credit card

 Apply for a credit card

Credit card to issue online at the bank Tinkoff

Main advantages:

  • Loan amount up to 300 000 rubles
  • Interest rate from 15% per annum
  • Returns up to 30% points from any purchase
  • Free registration of the card
  • Delivery to anywhere in Russia

Apply for a credit card →

Summary: The key advantage of Tinkoff Bank is that they open cards almost without refusal – even if you have a bad credit history. Another advantage of the bank is the free delivery of the card to your home or office.

Credit cards on the passport in the Bank East

Main advantages:

  • Cash back up to 5%
  • Loan amount from 55,000 to 300,000 rubles
  • Loan term up to 60 months
  • Minimum package of documents (only passport)
  • Online decision making

Apply for a credit card without certificates of income →

Summary: One of the most loyal banks in our rating, for issuing a credit card, only a passport is needed, and the bank also charges interest on the balance of its own funds in the account.

Credit card without certificates of income at Raiffeisen Bank

Main advantages:

  • Leave the application and get approval in 5 minutes without income certificates.
  • A revolving credit limit of up to $ 600,000 is always at hand.
  • Use the card and do not pay interest on debt repayment up to 52 days.
  • Return up to 5% on all purchases.

Apply for a credit card without certificates of income →

Summary: One of the few banks that are willing to issue a credit card without proof of income. The bank also gives you the option to choose the category of increased cashback.

Credit cards without refusal in the bank Renaissance

Main advantages:

  • Card issue and service for free
  • Credit limit up to 200 000 rubles
  • Receipt on the same day
  • Annual card service – 0 rub.

Apply for a credit card without refusal →

Summary: The bank is very loyal to its current and future customers. It does not have the highest credit limit, but free service during the entire card validity period.

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