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Visa Electron credit card




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Visa Electron credit card with cash-free Moscow Metro travel function 1

 Visa

The holders of a credit card with a cash-free travel function do not need to stand in a queue to buy a ticket, there is no limits to the number of trips a month and there is no delay on passing through a second time.

Currency — RUR, USD, Euro.

Interest rate:

  • — 27% in RUR and 24% in USD or Euro.
 Кредитная карта Visa Electron с функцией безналичной оплаты проезда

Key conditions

Credit sum 20 000 - 100 000 RUR
Card term 24 months
Credit grace period up to 50 days
Application considered within 3 working days
Card issued within 5 working days of the Bank deciding to issue the credit card

Issue conditions

1. Citizenship of the Russian Federation.

2. Place of residence: a loan can be applied for at the Bank’s office located both at the place of permanent registration and at the place of actual residence. When applying for a loan at the place of actual residence, the region of registration and the place of work must be the same as the region of the Bank’s presence.

3. Age at time of application: from 21 to 53,5 years - for women, from 21 to 58,5 - for men.

4. Time worked in latest job — at least 3 months2.

Issue conditions for salary clients

Where to apply for a card

The Bank will make a decision and notify you accordingly by sending an SMS message to your mobile telephone number specified in your credit card application.

Documents for issue of a card

For individual clients (including Individual Entrepreneurs)

  • 1. Passport of the Russian Federation
  • 2. Second document (at the client’s discretion).
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    • driving licence and vehicle registration certificate;
    • foreign travel passport with at least one border control stamp;
    • the client’s current account or bank card account statement showing sums credited over the last six months;
    • term deposits in the Bank with a balance when the Application form is submitted of at least 200% of the requested credit sum;
    • 2-NDFL (personal income tax) form/statement from the financial department for members of the armed forces, officers of law enforcement agencies, for the last six months.
Full list of documents

Full list of documents

Tariffs and charges

  • — account servicing charge during the first and second years - 250 RUR, beginning from the third year - 200 RUR (annually);
  • — charge for withdrawing cash from the Bank of Moscow ATMs - 3.5%;
  • — charge for withdrawing cash from ATMs of other banks - 3.5%.
  • More detail about tariffs

1 Only for Moscow/the Moscow Region.

2 For Individual Entrepreneurs, attorneys and notaries public, a work period of at least 1 (one) year.



Attention! Any documents submitted to the Bank must be completed in Russian.
The texts of documents/forms in Russian can be found on our Russian version website.