Decoration – Credit card without annual service


Credit cards have become quite a convenient cash management tool. They are rightly considered to be a type of loan that is easy to obtain and that can be conveniently repaid. Despite the wide selection, it is the most popular credit card with no annual service, which we will discuss further in the article.


Main advantages

credit loans

Trying to keep loyal customers and attract yen, many banks are developing new conditions for credit card service. The main advantage is the interest-free period for using cash. It is different for all banks, but this option gives the borrower the right not to think about financial problems for some time.

A credit card free of charge for annual service is becoming increasingly important, although the bank client must be particularly careful when concluding a contract.

First, such a card may have a high value interest rate outside the interest-free period. Second, the free service can only last for the first year after receiving the card. And thirdly, there may be a high percentage for cash withdrawals, conversions, etc.




A credit card without annual maintenance, unlike any other, may have a minimal set of options. In other words, it is given to get acquainted with the bank. After expiration, it is likely that the card will be transferred to an annual service with a wide range of options.

A card without a service is often an advertising company of a bank that attracts new customers, so you should find out how beneficial it is to use it:

  • The average annual credit card service is from 750 dollars. Up to 3,000 dollars, depending on the type of card and the set of options, the bank’s client must therefore find out whether the card will be used continuously or on a rainy day before signing the contract.
  • If the card is used continuously, especially for non-cash purchases abroad, you should pay attention to the size of the transfer. After all, if the card is without a service, then most likely the bank takes a high interest in this option, then the importance of free service will disappear. The bank’s client will lose money for further card operations.
  • Clients who constantly work with cards can be issued a credit card without a yearly service with a variety of options (usually “gold” cards for privileged customers).




Obtain a credit card without a one-year service by personally referring to a financial institution or via the bank’s official website and leaving an online application. You only need a passport to register, but in this case the cash limit will be small.

If you want to receive large quantities, you need to be ready to submit a complete package of documents:

  • RF passport;
  • confirmation in the form of 2 personal income tax confirming income;
  • other identity documents;
  • copy of workbook;
  • other documents required by the Bank.

If a person has a credit card, it is better to apply for a credit card at the same place. There is a possibility that in this case the interest rate will be lower and the annual service will not be available.


The bank offers

The bank offers

Consider some offers from different banks where credit cards can be issued without annual maintenance.

There are, of course, other suggestions from other financial organizations. In any case, each borrower must independently choose the conditions that suit him best.

The Sberbank credit card without annual service is offered to ordinary customers who already have a debit card or to payroll customers. In both cases, it is a pre-approved non-serviced card with an individual cash limit.


Cash withdrawal

Cash withdrawal

The credit card is designed to make a low-cash payment. If the borrower intends to withdraw cash, he must be prepared to pay a commission of between 3% and 7% and also lose an interest-free period. Using cash withdrawn from your credit card is full of huge overpayments and big commissions.

There are banks that offer cash withdrawal funds for credit cards. However, this service is more accessible to privileged clients, payroll participants and bank employees who offer this option.

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