Credit card with commission-free cash withdrawal

A credit card provides access to a credit limit. This is the maximum amount the bank is prepared to provide you as a loan. These funds can be used to pay for goods and services, including purchases via QR code through the Faster Payments System (SBP), cash withdrawals, as well as card-to-card money transfers.

The main feature of a credit limit is its revolving nature. This means that after repaying part of the debt, you will again be able to use the same amount.

To do this, follow a few simple steps:

1. Log in to your Uralsib Bonus personal account

On the main page, select the “Online partners” section.

2. Choose a store from the list of partners

Go to the selected store’s page to read more detailed information about it.

3. Review the cashback terms 

Please note that cashback rates for new and existing customers may differ, and there may be restrictions on the minimum or maximum purchase amount.

4. Go to the store via the link in your personal account 

Click the “Go to store” button on the page that opens. Before doing so, review the Purchase Rules posted below the button.

5. Make a purchase 

Place your order and pay for it with a Bank Uralsib card.

6. Track your bonuses

The preliminary reward will appear in the “Transaction history” section under the “Pending accrual from partners” tab in your personal account.

7. Receive cashback 

Bonus rubles will be credited immediately after the partner confirms the purchase. They will appear in the “Transaction history” section under the “Completed” tab.

After using borrowed funds, carefully monitor timely debt repayment. You can make a payment:

1. In a single payment 

You will have the option to repay the debt in full. This can be done during the grace period and after it ends. In this case, interest charges will be minimal.

2. In installments exceeding the minimum payment 

You can make payments in amounts greater than the minimum payment. However, if you do not manage to repay the entire debt during the grace period, interest will be charged on the outstanding balance.

3. By minimum payment 

This is a convenient option if you cannot pay the full outstanding amount. If you use it regularly, the debt repayment process will proceed more slowly.

The grace period is the time during which the bank does not charge interest on credit card purchases. This period does not apply to certain transactions, such as cash withdrawals, transfers, and quasi-cash transactions. This list also includes several exceptions when paying for purchases via QR code through the Faster Payments System (SBP).

The grace period is activated upon the first cashless purchase in a month if it meets the required conditions. The duration of the period depends on the card type. For the "120 days to the max" credit card, it lasts up to four months.

Any citizen of Russia aged 18 to 75 can apply for a credit card.

The conditions for obtaining the card include permanent registration in Russia, at least 3 months of employment at the current place of work, and a steady income. 

Only a passport of a citizen of Russia is required to submit an application. It can be completed on the bank's official website.