What is the order of credit card debt repayment?

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

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

- for payment of principal debt – first incurred through purchases, then cash withdrawals, transfers and quasi-cash transactions;

- for payment of late payment penalties, if any.

Example: Suppose on January 1, you withdrew funds via an ATM from a credit card 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 credited 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 at the ATM will be repaid last.

Advice: There are transactions to which the interest-free credit period does not apply. If you want to minimize the costs of accrued interest, we recommend not delaying the repayment of debt for such transactions.

List of transactions to which the interest-free period applies.