Credit card with a grace period

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 begins with the first cashless debit transaction of the month.

Interest will be charged for:

— cash withdrawals from a credit card or account

— transfers

— quasi-cash transactions

— payments via Faster Payments System (SBP)

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

1. You make purchases over the course of three months
2. Each month, you make a payment equal to 3% of your debt — the bank will calculate this amount automatically. The minimum payment is 300 rubles, and it must be paid by the last business day of the following month
   
3. By the last business day of the fourth month, you repay the entire remaining debt amount without interest
   

If you are unable to pay the remaining debt amount and make the minimum payment, the grace period will end. Interest will accrue only from the fifth month.

Yes, you can withdraw cash from a credit card without a fee or transfer money to another card. The interest-free period does not apply to these transactions: interest will be charged for the use of credit funds.

No interest will be charged on the purchase of goods, services, and other preferential transactions.

You can withdraw money from a credit card at Uralsib ATMs and at other banks' ATMs.

You can top up your credit card in several ways:

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

— Deposit money through ATMs with cash acceptance function

— At an Uralsib branch in cash via the teller or by bank transfer between accounts at Uralsib

— By bank transfer from another bank

— By transfer via the Faster Payments System (SBP)