What is the repayment order for credit card debt?

Debt repayment for agreements concluded from October 18, 2021 is carried out in the following order:

- toward payment of interest for the use of credit on the principal amount, including technical debt, if any;

- toward repayment of principal debt – first debt arising from purchases, then cash withdrawals, transfers, and quasi-cash transactions;

- toward payment of late payment penalties, if any.

Example: Suppose that on January 1, you withdrew money from a credit card via an ATM in the amount of RUB 10,000, and on January 20 you paid for a purchase in a store for a total amount of RUB 5 000. 

When funds are deposited to the card, interest on the cash withdrawal will be debited first. From the remaining amount, the debt for the store purchase will be repaid. The debt for the cash withdrawal from the ATM will be repaid last.

Advice: There are transactions that are not subject to the interest-free credit period. If you want to minimize interest charges, we recommend not delaying the repayment of debt for such transactions.

List of transactions subject to the interest-free period.