Card 100 days without interest from Alfa-Bank: reviews, conditions, installments

Overview and description of the installment card

Alfa-Bank is the largest private bank in Russia, which makes it reliable and honest in the eyes of potential as well as existing clients.

The loan product is designed for all categories of the solvent and working population , as it is issued in the form of several types of cards, from classic to premium.

A 100-day interest-free card means that when paying for goods and services directly with the card and withdrawing cash, the grace period during which no interest is accrued on the loan will be up to one hundred days .

A special feature of the grace period is that no interest is accrued during the specified period . Every month you need to make a minimum payment of 3-10%, depending on the card category, and repay all borrowed funds in full before the end of the grace period.

categories :

Classic

Gold

Platinum

Payment systems:

Visa
MasterCard

Outwardly, they differ only in color, but in fact, the main differences are the maximum credit limit and the cost of servicing.

Support for contactless payment is provided for cards of the Gold and Platinum categories.

A 100-day interest-free credit card from Alfa-Bank makes it possible to withdraw cash without commission , and, unlike competitors, this operation is also subject to a grace period.

Possibilities

Having issued such a credit card, many are unaware of all the existing opportunities provided by the bank :

Payment for goods and services online, including abroad
Cash withdrawal up to 50,000 rubles without commission
Making payments for housing and communal services, fines, taxes using a mobile application
Storing personal funds in an account
Making transfers to other cards
Topping up your account from cards of third-party banks (pulling)

Advantages and disadvantages of a credit card

Based on the opinions of users who have already applied for plastic, we have compiled a list of the main pros and cons that may influence the decision-making process for those who are just getting acquainted with the loan offer.

Advantages:

Grace period up to 100 days
The interest-free period also applies to cash withdrawals
There is no commission for issuing funds up to 50 thousand rubles at Alfa-Bank’s own ATMs
Free issue
Free courier delivery in major cities
The interest-free installment period resumes after repayment of the debt
Possibility of issuing an additional card
Minimum borrower income requirements

Flaws:

High cost of maintenance
If the conditions of the grace period are not met, interest is accrued on the entire amount of spending as a whole.
The service fee is written off immediately after activating the card, and not after the first purchase
High fines for overdue loans
Cashback is not credited

Compared to similar products, for example, the gold card from Sberbank, the card is quite easy to use and very profitable if you do not miss payments.

Card 100 days without % - negative review

3.3 (66.06%) 33 votes

NEVER CONTACT ALPHA-BANK, CHEATING, LIES, NEGATIVE, HORROR!!!! WHY YOU SHOULD NOT TAKE AN ALPHA-BANK CREDIT CARD FOR 100 DAYS WITHOUT %!!!!!! REAL REVIEW, NOT COMPETITIONS!!!!! I can’t help but write a negative review about Alfa-Bank https://alfabank.ru/ and about the credit card for 100 days without interest, although I am a client of the bank (a salary project for work). Now, at the end of 2020, Alfa Bank is actively advertising its credit cards with an interest-free limit of 100 days and the ability to withdraw cash up to 50 thousand rubles per month, and they also call their clients and offer to issue an Alfa Bank credit card for 100 days without interest, and this The negative review about Alfa Bank is dedicated to this particular product. Knowing that this advertisement was just a simple marketing ploy, I still bought it and tried to get a credit card for 100 days without interest at Alfa Bank, which I really regretted and I don’t advise anyone to contact Alfa Bank to get a credit card. Also, in addition to advertising on TV and the Internet, I periodically received calls from the Alfa Bank operator with this offer. To register, I called the hotline and filled out an application for an Alfa Bank credit card for 100 days without %. In the application I had to indicate the limit that I would like to have on the Alfa Bank credit card: 100 days without %, I indicated 200 thousand, since I already have a credit card from another bank, where the limit is even higher, but the free period is shorter and cannot be withdrawn cash, which is not very convenient, so I thought that if they approve, I will use an Alpha Bank credit card instead, although there is a higher interest rate for overdue payments, but since I usually don’t have overdue payments, this is not so important for me. I was not interested in a card with a lower limit. This credit card has 100 days without interest and is the subject of this negative review about Alfa Bank. As a result, having filled out the application, a couple of days later the Alpha Bank operator called and said that the card had been approved for 100 days and was in the Alfa Bank branch, you just need to go to the branch, provide a passport and get the card. When asked if the limit of 200 thousand was approved, an Alfa Bank employee replied that it was approved, adding that the offer was valid for two weeks until the end of the month and we needed to hurry. To be honest, I was not surprised, since I have a good positive history of loans and credit cards in different banks. Before my trip to the branch, I received calls three more times from an Alpha Bank operator and an offer to apply for a credit card, apparently Alpha Bank does not take into account the fact that the application has already been completed and approved, well, that’s true, by the way. Well, I’m not talking about such little things that in the application I indicated that in addition to my passport I would provide a driver’s license, and the operator indicated VHI, and therefore this fact had to be redone by the employee at the department, which took some time. Upon arrival at the Alfa Bank branch in St. Petersburg, at the address Dunaysky Prospekt, 31, building 1, lit. A, room. 24N, 25N and after waiting in line for about 40 minutes, an Alpha Bank employee accepted my documents to issue a credit card for 100 days without interest from Alfa Bank. After looking at the information in the program, an Alfa Bank employee confirmed that I had been approved for an Alfa Bank credit card with a limit of 200 thousand rubles and that this card was already in the bank branch, all that remained was to send copies of my documents to Moscow for confirmation. After sending and waiting for 15 minutes, the employee said that since it was already 21:00, confirmation may take a long time and it would be better to come the next day. It was extremely inconvenient, well, what should you do, what won’t you do to get the final result, don’t stop halfway, I came the next day to the very opening, I had the first number for credit products, but again I had to sit waiting for 30 minutes until I approached an employee and asked to sort it out, only after that I was assigned to an employee for registration. And when the employee began to apply for an Alfa Bank credit card, he told me that the card was approved with a limit of 40 thousand rubles, and not 200 thousand rubles, as I expected and as an Alfa Bank employee confirmed to me by phone and an employee at the branch a day ago. My surprise knew no bounds, to say that I was stunned is an understatement, I was not in great shock, although I seem to be a calm person, but why did they have to drive me around and take up so much time, in general, I realized that all the time spent on Alfa Bank it was in vain and first I had to read negative reviews about Alfa Bank on the Internet. Of course, there was no point in taking such a card for me, since there is a card from another bank with a much higher limit. As a result, it turns out that the alpha bank calls, lures you in with interesting offers, they even resort to deception to get the person to come, and then, when he has already arrived, to issue a card that is beneficial only to the bank and not to the client. And when, in principle, everything is already formalized, I’m sure many of the clients agree to at least the limit that the bank offers, since so much time has already been spent on registration, waiting, and so on. Also, all this negative and negative review about Alfa Bank speaks about the level of training of its employees, either it is very weak, or the employees deliberately work according to this scenario in order to first interest them, then lure them into the branch, and then sell the necessary bank service there, even if The bank client doesn’t need it at all, just as I didn’t need a card with such a limit. After all, it was possible to say over the phone that a different limit was approved, or to say this on the first day when I came to the department, but no, until the turn came to signing the contract, this (the most important information for me on this service) was not voiced to me. Once again, the bank’s trick didn’t work, but I’m sure that in half the cases it most likely works and people sign up for services that they don’t really need. Terrible service from Alfa Bank!!! With other Alfa Bank products there is also probably a similar scheme to deceive Alfa Bank clients. There was another very negative incident with Alfa Bank, but that, as they say, is another story. It’s just that for me now Alfa Bank is associated with lies, deception, and incompetence of employees. If anyone thinks that my whole terrible story of interaction with Alfa Bank, all this negative feedback is fiction or the machinations of competitors, then through an official appeal from the bank I am ready to provide my contact information. The result of a negative review about Alfa Bank: a lot of wasted time talking with Alfa Bank operators, two trips to an Alfa Bank branch, and a long wait in line. The bottom line is that there is no Alfa Bank card with the required limit and a lot of negativity!!!!!!! Beware of offers from Alfa Bank, most likely there are pitfalls there!!!!!!!!

Oleg