Rating of credit cards

The financial crisis has significantly changed the structure of retail banks in the world. As his main detonator served as home loans, and the crisis itself, many experts have called the crisis of consumption, it is not surprising that the retail part of the financial business, he reflected most strongly. Suffered not only mortgages but also other types of consumer crediting - in particular, express loans, with whom at the beginning of the century started a credit boom. Banks are forced to reconsider their approach to risk in the direction of tightening, almost turned POS-lending. Almost one and a half, the aggregate loan portfolio of individuals declined, losing by the end of the first quarter of this year, more than 10% of its maximum volume. Growth resumed in the spring. And then it became clear that the structure of consumer credit are waiting for substantial changes. Banks, disillusioned with the express credits bet on the more "tangible" products that allow better control of recurrence. However, they "physics", though considerably moderated their consumer appetites, had no need for large-loan amounts. In this situation, the best re-sheniem have credit cards - the more so because almost all banks offer credit cards with a grace (grace) period, thus avoiding the "switching on the counter." According to experts, this situation allows us to predict a boom in the credit card market - especially as banks have lost their income not only from rapid lending, but also in large part by auto in connection with the arrival of Russia's largest financial entities world automakers. Accordingly, they will concentrate more on developing other products, including credit cards. Cheap and cheerful. Today credit cards are emitted almost all major retail Russian banks. To make their product more appealing, they are filled with cards of different applications, allowing to receive discounts at retail outlets, increasing the grace period and credit limit, lower interest rates. However, as a rule, customers rarely use all the cards. Therefore, "F." tried to make a rating card products based on the most common behaviors of borrowers. Was based on the most popular cards - Visa Classic, MasterCard Standard, Visa Gold and MasterCard Gold. According to our model borrower "the street" that set off a credit card, bought goods for 20 thousand rubles, which returned after 30, 90 and 150 days. Another option - the same client spend with the card 60 thousand rubles, but to repay the loan after 90, 150 and 300 days respectively. These situations are applied to each of the four types of cards offered by banks on our list. Leaders in several tables were ratings of National Bank "TRUST", "Vanguard", OTP Bank and Rosbank. "Vanguard" secured the top position mainly due to the unprecedented long (200 days) grace period. True, the bank offers "Vanguard" participated in the competition for "the place under the sun" only when you buy goods worth 20 thousand rubles. Already 60 thousand rubles for his client were "too tough" because of the limited limit. Long enough grace period has helped to take place in the ranking of products of three more banks - Rosbank Zapsibcombank and "Russian Standard". "Trust" was beaten out in leaders at the expense of low-cost annual maintenance. However, at the opening of credit card Visa Classic or MasterCard Standard bank charges a fee for service fee for the entire period of the card immediately, that is for three years. However, in our ranking of the sum (1 thousand) was divided into equal shares. Bank "Uralsib", although it is overvalued compared to other banks on annual maintenance, it beats its competitors fairly low interest rate of 21% per annum. In general, this "winner" interesting "long-distance runners" - "Uralsib" provides the most favorable terms on credit cards for purchases of more than 60 thousand rubles, and also on possible longer term. Range of clients. Requirements to potential holders of credit cards, banks are unified: the presence of Russian citizenship, age from 21 to 60 years, permanent registration in the region receive the card and the minimum length of service in the last place for at least 6 months. Package requirements document is not too original passport and a copy of the statement-form for a credit card, an income statement or in the form of 2NDFL Bank (2NDFL provision, by itself, significantly reducing the rate and increase the credit limit), a certified copy of work record and Military card (for men under 27 years). At the same time some banks require a minimum monthly income (average of 6 thousand 15 thousand). Earnings wanting to get a card of premium shall be not less than 30 thousand rubles. "The criteria for borrowers gradually weakened, but talk about a strong change is not necessary, - said Mikhail Fedoseev, head of product development based on the credit card of Barclays Bank. - Depending on the customer segment in which banks operate, the softening of the criteria may be different - in particular, income, presence or absence of credit history, the stakes that banks can issue. " All the more dissimilar. The average interest rate on standard credit cards we reviewed among banks is 25% of the premium cards - 24%. During normal service maps client will have to pay about 700 rubles a year, with some banks, the first year of service is free, but the "premium" card will cost an average of 2.5 thousand. In the very near future a significant impact on the choice of a specific card customers may begin to have other criteria - for example, the service "Mobile Banking", which is a credit card for free. Also, have become increasingly popular cards with the function of cash back - with every purchase to the account holder returns to 1-3% of transaction amount, and on some shares - up to 5%. "Cards with cash back - this is a very effective way to attract customers - said Mikhail Fedoseev. - For customers with a rational type of behavior (and this, according to our data, about 70%) percent of the refund to the account is a good help in choosing a credit card, and in the activity of its use. " The best deals for credit cards under different scenarios Loan Bank Place / Type of card maximum credit limit, thous. The annual interest rate annual fee, now. Validity period, years grace period, days annual cost of the loan, now. Credit for 20 thousand rubles, repayment within 30 days of a National Bank "Trust» / Visa Classic, MasterCard Standard 80 27.99 333 60 348 3 Up to 2 MDM-bank/Visa Classic, MasterCard Standard 99 500 2 29.00 Up to 52 516 3 «Avangard» / Visa Classic, MasterCard Standard 50 24.00 600 3 200 613 Up "Renaissance Credit» / MasterCard Standard Up to 140 2 50 4 Rosbank / Visa Classic, MasterCard Standard 300 25.90 600 06.01 62 614 To TNA Bank / MasterCard Standard 150 24.90 3 Up to 55 5 "Russian Standard» / Visa Classic, MasterCard Standard 100 600 2 36.00 Up to 55 620 loan for 20 thousand rubles, repayment within 90 days of a "Crusade» / Visa Classic, MasterCard Standard 50 24.00 600 3 613 2 to 200 NB "Trust» / Visa Classic, MasterCard Standard 80 27.99 333 60 793 3 Up 3 Rosbank / Visa Classic, MasterCard Standard 300 25.90 600 01.06 62 997 Up 4 OTP Bank / MasterCard Standard 150 24.90 600 3 5 1077 Up to 55 Zapsibcombank / Visa Classic, MasterCard Standard 150 700 2 24.00 Up to 60 in 1094 Credit for 20 thousand rubles, the repayment of 150 days a "Crusade» / Visa Classic , MasterCard Standard 50 24.00 600 3 613 2 to 200 NB "Trust» / Visa Classic, MasterCard Standard 27.99 80 333 1713 3 to 60 3 Rosbank / Visa Classic, MasterCard Standard 300 25.90 600 01.06 1 849 4 to 62 Zapsibcombank / Visa Classic, MasterCard Standard 150 24.00 700 2 1884 5 Under 60 OTP Bank / MasterCard Standard 150 600 3 24.90 Up to 55 in 1896 to 60 thousand loan rubles repayment within 90 days of a National Bank "Trust »/ Visa Classic, MasterCard Standard 80 27.99 333 3 to 60 2 1713 Rosbank / Visa Classic, MasterCard Standard 300 25.90 600 1-6 to 62 3 1792 Zapsibcombank / Visa Classic, MasterCard Standard 150 24.00 700 2 Up 60 1883 4 "Uralsib» / Visa Classic, MasterCard Standard 300 21.00 900 3 5 1936 Up to 60 OTP Bank / MasterCard Standard 150 24.90 600 3 2033 Up to 55 Credit for 60 thousand rubles, the repayment of 150 days a "Uralsib »/ Visa Classic, MasterCard Standard 300 21.00 900 3 2 4007 Up to 60 Zapsibcombank / Visa Classic, MasterCard Standard 150 700 2 24.00 Up to 60 3 4251 Rosbank / Visa Classic, MasterCard Standard 300 25.90 600 1-6 until 62 4347 4 NB "Trust» / Visa Classic, MasterCard Standard 80 27.99 333 3 to 60 5 4474 OTP Bank / MasterCard Standard 150 24.90 600 3 4488 Up to 55 credit for 60 thousand rubles, the repayment of 300 days 1 " Uralsib »/ Visa Classic, MasterCard Standard 300 21.00 900 3 2 9185 Up to 60 Zapsibcombank / Visa Gold, MasterCard Gold 400 18.00 2400 2 9501 3 Up to 60 Uniastrum Bank / Visa Classic, MasterCard Standard 200 18.90 625 2 No 9945 4 Zapsibcombank / Visa Classic, MasterCard Standard 150 24.00 700 2 10 168 5 Up to 60 "Renaissance Credit» / MasterCard Standard 140 24.00 600 2 10 463 Offers Up to 50 Russian banks on the most popular types of credit cards (Visa Classic, MasterCard Standard, Visa Gold, MasterCard Gold) Name of Bank Type of card maximum credit limit, thous. / $ thousand / th. Euro annual interest rate on a map now. / $ / euro annual fee, rub. / $ / Euro card is valid, years grace period, days Parnerskie program providing benefits and discounts Savings Bank Visa Classic 200/-/- 24,00 %/-/- 750/-/- 3 Up to 50 "ROSGOSSTRAKH-capital," "world of leather and fur," "Crystal Dreams", "RCS - Military Insurance Company", "Econika", "Lensmaster", "Bosch Siemens "," Travel Grant "and others. MasterCard Standard 200/-/- 24,00 %/-/- 750/-/- 3 to 50 Visa Gold 500/-/- 23,00 %/-/- 3000/-/- 3 to 50 MasterCard Gold 500/-/- 23,00 %/-/- 3000/-/- 3 to 50 VTB 24 Visa Classic 300/-/- 25,00% -28,00 %/-/- 750/-/- 2 Up to 50 "Window to Paris", "Ile de Beauté", "Europcar", "Cara & Co", "Helios-Tour", "MoDaMo", "City Fitness" and others. MasterCard Standard 300/-/- 25,00% -28,00 %/-/- 750/-/- 2 to 50 Visa Gold 600/-/- 21,00% -24,00 %/-/- 3000 / - / - 2 to 50 MasterCard Gold 600/-/- 21,00% -24,00 %/-/- 3000/-/- 2 to 50 Uralsib Visa Classic 300/sootvetstvuyuschy equivalent in foreign currency 21.00% / 18 , 00% / 18.00% 900/25/25 3 to 60 insurance group "URALSIB", "KETTLER", "FOREM-Kitchen", "MELS", "Sunrise Tour" and others. MasterCard Standard 300/sootvetstvuyuschy equivalent in foreign currency 21.00% / 18.00% / 18.00% 900/25/25 3 to 60 Visa Gold 300/sootvetstvuyuschy equivalent in foreign currency 21.00% / 18.00% / 18.00% 1 to 60 2800/80/80 MasterCard Gold 300/sootvetstvuyuschy equivalent in foreign currency 21.00% / 18.00% / 18.00% 2800/80/80 1 to 60 Rosbank Visa Classic 300/10 / 10 25.90% / 22.90% / 22.90% 600/sootvetstvuyuschy equivalent in foreign currency 1 - 6 to 62 no. MasterCard Standard 300/10/10 25,90% / 22,90% / 22,90% 600/sootvetstvuyuschy equivalent in foreign currency 1 - 6 to 62 Visa Gold 600/20/20 24,90% / 21,90% / 21.90% 2500/sootvetstvuyuschy equivalent in foreign currency 1 - 6 to 62 MasterCard Gold 600/20/20 24,90% / 21,90% / 21,90% 2500/sootvetstvuyuschy equivalent in foreign currency 1 - 6 to 62 Renaissance Credit Visa Classic - - - - - "SELENA", agency "Journey," "Dentalend", "Optics & Fashion," "Pretty Woman" and others. MasterCard Standard 140/-/- 24,00 %/-/- 600/-/- 2 to 50 Visa Gold - - - - - MasterCard Gold 500/-/- 18,00 %/-/- 3600 / - / - 2 to 50 Master-Bank Visa Classic 150/5/5 24,00% / 24,00% / 24,00% 900/30/30 1 Up to 51 "Rigla," "Young Guard", "Russian Souvenirs "," BEREGINYA "," LOREAL BOUTIQUE "and others. MasterCard Standard 150/5/5 24,00% / 24,00% / 24,00% 900/30/30 1 no Visa Gold 150/5/5 24,00% / 24,00% / 24,00% 3000 / 100 / 100 1 no MasterCard Gold 150/5/5 24,00% / 24,00% / 24,00% 3000/100/100 1 no NB Trust Visa Classic 80 / 1,8 / 1,9 27, 99 % / 27.99% / 27.99% 1000 rubles. over the life of 3 to 60 deystviya/-/- "TEZ-tour", "Optics & Fashion" and others. MasterCard Standard 80 / 1,8 / 1,9 27, 99% / 27.99% / 27.99% 1000 rubles. over the life of 3 to 60 deystviya/-/- Visa Gold 500/17, 2 / 11, 9, 27, 99% / 27.99% / 27.99% 3000 rubles. over the life of 3 to 60 deystviya/-/- MasterCard Gold 500/17, 2 / 11, 9, 27, 99% / 27.99% / 27.99% 3000 rubles. over the life of 3 to 60 deystviya/-/- Raiffeisen Visa Classic 210/-/- 26,90 %/-/- 900/-/- 2 Up to 50 "ArtSMotorS", "SNEZH.KOM", "INCITY", " SPORTLAND "," Real Trans Khair "," World Class "and others. MasterCard Standard 210/-/- 26,90 %/-/- 900/-/- 2 to 50 Visa Gold 360/-/- 24,90 %/-/- 4500/-/- 2 to 50 MasterCard Gold 360.000 / - / - 24.90 %/-/- 4500/-/- 2 to 50 Uniastrum Bank Visa Classic 200/8/6 18,90% / 17,90% / 17,90% 625/25/17 2 no " Airplane, "" Kva-Kva Park "," Biblio-Globus "and others. MasterCard Standard 200/8/6 18,90% / 17,90% / 17,90% 625/25/17 2 no Visa Gold 1000/40/30 17,90% / 16,90% / 16,90% in 2250 / 90 / 60 2 no MasterCard Gold 1000/40/30 17,90% / 16,90% / 16,90% 2250/90/60 2 no OTP Bank - - - - - - "HENDERSON", "Lancaster", "Dent-El", "Evromedprestizh", "Mascotte", "TEZ-tour" and others. MasterCard Standard 150/5/- 24,90% / 19,90% / - 600/20/- Up to 55 3 - - - - - - MasterCard Gold 150/5/- 22,90% / 17 90% / - 3 Up to 55 1800/60/- UniCredit Bank Visa Classic 300 / 7.5 / 7.5 29.90% / 27.90% / 27.90% 700/sootvetstvuyuschy equivalent in foreign currency 3 Up to 55 " Europcar ", Russian Association of Automobile," Goodwin "," PODAROK.RU "," Doctor of the Century "," Lensmaster "," BIG BEN "," EF English First / EF Education First "," Baon "," Desam "," PROFI SPORT "KIT Finance Insurance and others. MasterCard Standard 300 / 7.5 / 7.5 29.90% / 27.90% / 27.90% 700/sootvetstvuyuschy equivalent in foreign currency 3 Up to 55 Visa Gold 400/10/10 27,90% / 27,90 % / 27.90% 2700/sootvetstvuyuschy equivalent in foreign currency 3 Up to 55 MasterCard Gold 400/10/10 27,90% / 27,90% / 27,90% 1500/sootvetstvuyuschy equivalent in foreign currency 3 Up to 55 Alpha Bank Visa Classic 90/4/2, 5 18.99% -28.99% / -26.99% 16.99% / 16.99% -26.99% 625/sootvetstvuyuschy equivalent in foreign currency 2 Up to 60 "Russian Motor Club "," Alpha-Med "," Zebra Fitness "," EF Education First "," Boucheron "and others. MasterCard Standard 90/4/2, 5 18.99% -28.99% / -26.99% 16.99% / 16.99% -26.99% 625/sootvetstvuyuschy equivalent in foreign currency 2 to 60 Visa Gold 17.99% -27.99 210/9/6% / 15.99% -25.99% / -26.99% 16.99% 1875/sootvetstvuyuschy equivalent in foreign currency 2 to 60 MasterCard Gold 210 / 9 / 6 17.99% -27.99% / -25.99% 15.99% / 16.99% -26.99% 1875/sootvetstvuyuschy equivalent in foreign currency 2 to 60 Bank of Moscow Visa Classic 350/sootvetstvuyuschy equivalent in foreign currency 26.00% / 23.00% 23.00% 700/sootvetstvuyuschy equivalent in foreign currency 2 Up to 50 "Fridge LIEBHERR", Moscow Insurance Company, Metropolitan Center Loan, "Evrodveri", "EkoHoumDizayn", "Silver World" and other. MasterCard Standard 350/sootvetstvuyuschy equivalent in foreign currency 26.00% / 23.00% 23.00% 700/sootvetstvuyuschy equivalent in foreign currency 2 to 50 Visa Gold 350/sootvetstvuyuschy equivalent in foreign currency 24.00% / 21.00% / 21.00% 2500/sootvetstvuyuschy equivalent in foreign currency 2 to 50 MasterCard Gold 350/sootvetstvuyuschy equivalent in foreign currency 24.00% / 21.00% / 21.00% 2500/sootvetstvuyuschy equivalent in foreign currency 2 Up to 50 Zapsibcombank Visa Classic 150/-/- 24,00 %/-/- 700/-/- 2 to 60 stations "Lukoil" (Tyumen), "Farmsoyuz" (Tyumen), "Mebelvill" (r . Tyumen) and others. MasterCard Standard 150/-/- 24,00 %/-/- 700/-/- 2 to 60 Visa Gold 400/-/- 18,00 %/-/- 2400/-/- 2 to 60 MasterCard Gold 400 / - / - 18,00 %/-/- 2400/-/- 2 to 60 Citibank Visa Classic 300/-/- 29,90 %/-/- 950/-/- 3 to 50 "Sergio Bellini", "Handle . py "," Persona Grata "," Oktoberfest "," Kolbasoff "," ALEX fitness "," SNEZH.KOM "and others. MasterCard Standard 300/-/- 29,90 %/-/- 950/-/- 3 to 50 Visa Gold 300/-/- 29,90 %/-/- 2950/-/- 3 to 50 MasterCard Gold - - - - - PSB Visa Classic 250/10/7, 5 29.00% / 27.00% / 27.00% 900/30/30 2 to 50 "TEZ-tour", "HENDERSON", "Adamas" and other . MasterCard Standard 250/10/7, 5 29.00% / 27.00% / 27.00% 900/30/30 2 to 50 Visa Gold 350/14/10 27,00% / 25,00% / 25 00% 3000/100/100 2 to 50 MasterCard Gold 350/14/10 27,00% / 25,00% / 25,00% 3000/100/100 2 to 50 MDM Bank Visa Classic 99 - / - 25, 00% -29.00 %/-/- 500/-/- 2 to 52 "eqvilibria.ru", "Intersport" and other MasterCard Standard 99/-/- 25,00% -29,00 %/-/- 500/-/- 2 to 52 Visa Gold 300/-/- 25,00% -29,00 %/-/- 1500/-/- 2 to 52 MasterCard Gold 300/-/- 25,00% -29, 00 %/-/- 1500/-/- 2 to 52 Barclays Bank Visa Classic - - - - - "FOREM-Kitchen", "House of Parquet," "ROSGOSSTRAKH" and others. MasterCard Standard 200/-/- 28,00 %/-/- 900/-/- 2 to 56 Visa Gold - - - - - MasterCard Gold 600/-/- 28,00 %/-/- 2900 / - / - 2 to 56 Vanguard Visa Classic 50 / 0.3 / 0.3 15.00% -24.00% / -21.00% 12.00% / 12.00% -21.00% 600 / 25/25 to 200 3 "HENDERSON", "The Consul", "KNIVES", "Belle bed" and others. MasterCard Standard 50 / 0.3 / 0.3 15.00% -24.00% / -21.00% 12.00% / 12.00% -21.00% 600/25/25 3 to 200 Visa Gold 50 / 0.3 / 0.3 15.00% -24.00% / -21.00% 12.00% / 12.00% -21.00% 3 to 50 3000/115/115 MasterCard Gold 50 / 0.3 / 0.3 15.00% -24.00% / -21.00% 12.00% / 12.00% -21.00% 3000/115/115 3 to 50 Russian Standard Visa Classic 100 / - / - 36.00 %/-/- 600/-/- 2 Up to 55 "Children's World," "Aeroexpress" and others. MasterCard Standard 100/-/- 36,00 %/-/- 600/-/- 2 Up to 55 Visa Gold 300/-/- 28,00 %/-/- 3000/-/- 2 Up to 55 MasterCard Gold 300 / - / - 28.00 %/-/- 3000/-/- 2 Up to 55