What is the repayment priority for credit card debt?

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

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

- for payment of principal debt — first generated by purchases, then by cash withdrawals, transfers, and quasi-cash transactions;

- for payment of late payment penalties, if any.

Example: Suppose on January 1 you withdrew money from a credit card via an ATM 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 purchase in the store will be repaid. The debt for the cash withdrawal from the ATM will be repaid last.

Advice: There are transactions that are not subject to the interest-free credit period. If you want to minimize interest charges, we recommend not postponing repayment of debt on such transactions.

List of transactions subject to the interest-free period.