Credit Card Online Application

The grace or interest-free period is the time during which The bank does not charge interest on spending made with a credit card. The interest-free period starts from the first cashless debit transaction in the month. Interest will be charged for:

— cash withdrawals from a credit card or account

— transfers

— quasi-cash transactions

— payments via the Faster Payments System (SBP)

List of organizations for transfers to which interest will be charged on the credit card

The interest-free period lasts up to four calendar months:

1. The first three months — you pay for purchases with the card. At the end of each month, make the minimum payment by the last business day of the following calendar month, but not less than 300 rubles
2. The fourth month — you need to repay the entire remaining debt amount that you spent in the first three months.
   

You can view the payment amount and due date in the mobile app or in the Uralsib Online web version.

We recommend reviewing the list of transactions covered by the interest-free period.

Example of using a credit card:

January 1

You used the credit card for the first time and paid 10 000 rubles for plane tickets.

February and March

Make minimum payments — 3% of the debt amount, but not less than 300 rubles.

April

Repay the entire remaining amount.

Your payments are restored to the credit limit, and you can use these funds again.

You can top up your credit card in several ways:

— Transfer money to the credit card account via the mobile app or in the Uralsib Online web version

— Deposit money via ATMs with cash acceptance functionality

— At a Uralsib branch in cash via the cashier or by cashless transfer between accounts with Uralsib

— By cashless transfer from another bank

— By transfer via the Faster Payments System (SBP)

— In a single payment. This can be done both during the interest-free period and after it. Interest will be minimal

— In installments larger than the minimum payment. It is best to repay the full amount during the grace period. Once it ends, interest will start to accrue

— With minimum payments. In this case, the interest will be the highest

If there is no debt on the credit card, you do not need to pay anything.