General questions

A card can only be applied for under a special offer from Uralsib.

If there is no debt on the card, the service will be free. If there is debt on your card, 69 rubles per day will be charged for it.

The service fee will be charged as a single amount from the credit limit, as will all other fees.

The interest-free period on the card is up to 4 months.

During the first three months, you use borrowed funds. At the end of each month, a minimum payment will be generated — it must be paid by the last business day of the following month. In the fourth month, you need to repay the entire remaining debt.

Where can I check the payment amount and due date?

In the personal account of the mobile app or in the Uralsib Online web version.

Example of grace period calculation

You used the Light credit card for the first time on January 1 and paid for a purchase in a store amounting to 10 000 rubles. In February and March, you need to make the minimum payment — 10% of the outstanding debt amount, with a minimum of 2 000 rubles.

In April, you repay the entire remaining debt amount.

At the same time, the presence of a minimum payment does not mean that the interest-free period does not apply. The amount will go toward restoring the credit limit, and these funds will become available again.

In brief

To keep the grace period in effect, pay the minimum payments every month and in the fourth month repay the remaining part of the debt.   

The grace period does not apply to:

• cash withdrawals and cash withdrawal fees;
• card transfers and transfer fees;
• cashless quasi-cash transactions and fees for them;
• payment for purchases via QR code from companies on the list;
• cashless transfers through remote banking services.

The grace period applies to:   

• payment for goods and services by card or using its details;
• payment for purchases via QR code through the Faster Payments System (SBP). Exceptions;
• payment of the bank's fee. Exceptions include cash withdrawal fees, quasi-cash transactions, and transfers. 

 Order of repayment of debt on the Light credit card:

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

- payment of outstanding principal debt – first, that arising from purchases, then cash withdrawals, transfers, and quasi-cash transactions;

- payment of late payment penalties, if any.

Please note that the card servicing fee is charged from the credit limit if there are sufficient funds. If the available credit limit is insufficient, the accrued fee will be included in the debt, which must be paid immediately as soon as funds become available in an amount sufficient for its full repayment. 

For example, a customer received a card on March 15 with a limit of RUB 20 thousand. On March 25, the customer withdrew cash from an ATM in the amount of RUB 20 thousand and made no further debit or credit transactions on the card. For payment in April, the minimum payment will be calculated in the amount of RUB 2 thousand (10% of the outstanding debt) + RUB 3.29 (interest for cash withdrawal for March).

The card servicing fee for March was calculated in the amount of  RUB 354.

On April 10, the customer paid in RUB 1,000.

Repayment order:

1. Interest in the amount of RUB 3.29 is repaid

2. Principal debt in the amount of RUB 996.71 is repaid. At the same time, the credit limit is restored by RUB 996.71, and from it the card servicing fee for March in the amount of RUB 354 is repaid.

When signing the credit documents, check the loan name on the papers.

Yes, your rate for purchases and cash withdrawals will be 1%.