Interest-free loan at Sberbank - grace period of 50 days

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Many potential borrowers of Sberbank are concerned about high interest rates, because in this way a significant overpayment on the loan is ensured. We suggest considering an interest-free loan at Sberbank - a 50-day grace period is available when applying for a credit card.

Interest-free loan in Sberbank 50 days

By and large, any lending program is associated with a significant amount of interest rates. However, credit cards have a grace period of 50 days. Thus, there is a certain amount that can be used (or not used) as needed, and almost every month.  

This type of lending involves the issuance of a loan in a certain amount, which must be repaid within a strictly allotted period. For the specified period, interest on the use of funds is not accrued.  

Interest-free grace period credit cards

Today, the most promising credit card is MasterCard Standard or Visa Classic.

Conditions for these cards:

  • the maximum possible loan amount is 600,000 rubles;
  • service costs a maximum of 750 rubles. By actively using other services of Sberbank (salary card, accounts, deposits, etc.), you can receive free services on an individual basis;
  • the rate outside the interest-free period is at least 23.9%;
  • The credit card is valid for three years.

In order to withdraw cash using a credit card, you need to contact the bank's cash desk or use an ATM. In this case, there is a limit:

  • no more than 50,000 rubles a day can be withdrawn from an ATM;
  • no more than 150,000 rubles through the bank's cash desk.

If you need to withdraw a larger amount, you will have to pay a 3% commission.

Thus, an interest-free loan at Sberbank with a grace period of 50 days may not be as profitable as a consumer loan.

Restrictions and limits on a credit card

In addition to these options, there are other credit cards from Sberbank:

  • Instant issuance card - serviced free of charge, the maximum can be used is 600 thousand rubles;
  • Youth cards - the cost of servicing is 750 rubles, the loan amount is no more than 200,000 rubles;
  • Gold costs 3,000 rubles, providing a large list of additional options, and you can get no more than 600,000 rubles;
  • Aeroflot credit cards offer the possibility of lending up to 600,000 rubles.

Each credit card provides for an interest-free lending period of 50 days. After its completion, interest is charged in the amount of 23.9% to 27.9%.

Details on the terms of an interest-free loan in 50 days at Sberbank

All details and conditions for loans without paying interest for a period of up to 50 days can be found on the bank's page .

Interest free loan calculator

For online calculation of a loan with a grace period of 50 days, you can use the calculator on the bank's page by setting your parameters.

How to get a credit card?

apply for a credit card by contacting a bank branch with a passport or submit an application using the Sberbank Online Personal Account . After receiving a positive response from the bank, you still need to come to the branch.

Required documents

  1. Certificate of personal income tax-2 from the place of work or other proof of income.
  2. Copy of work book.
  3. Application indicating the type of card.

Within 2 days after the submission of documents, Sberbank makes a decision on issuing a credit card. A notification is sent to the specified phone number. By visiting the branch, you can get a card. From the moment of activation, it becomes available for all kinds of payments and transfers.

Possibilities of Sberbank credit cards

With Sberbank credit cards, you can:

  • connect Mobile Banking and online banking;
  • activate services, send requests and perform other operations through an ATM;
  • enjoy bonuses Thank you;
  • carry out transactions online over the network through a protected space 3D Secure;
  • link an account to an electronic wallet;
  • replenish the credit account from other cards;
  • use promotions from MasterCard and Visa.

Car loan under individual conditions in Sberbank

If you need a larger amount than the credit card provides, you need to pay attention to other lending options.
To buy a car, you can contact dealerships that cooperate with Sberbank. A complete list is available from the Call Center or at a bank branch.
As a rule, in such car dealerships, cars that fall under the program are marked “Interest-free loan at Sberbank”. In the case of a purchase in such a salon, the registration process is carried out by an intermediary in the person of the seller's company. It should be noted that each salon has its own characteristics of loan repayment, a full set of insurance services may be imposed or the payment period may be reduced.

Individuals can apply for an interest-free loan at Sberbank - a 50-day grace period helps with short-term loans. However, it is necessary to take into account all existing time limits and remember about the commissions set for those financial transactions that make up a decent amount and which cannot always be repaid during the grace period.

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