Virtual card with a credit limit
Digital credit card that’s always at your fingertips.
Instant access to funds and complete control in the app!
Advantages of the card
How to apply for a virtual card with a credit limit?
If you are already a Raif client, applying for a virtual credit card with a limit is even easier—just log in to MyRaif and check for available offers in the "Loans" section.
What is a virtual card with a credit limit?
A virtual credit card is a bank card without a physical medium. All data is stored electronically, and account management is done through the app. You can add the card to your digital wallet and make payments with your smartphone.
The credit limit is the amount that the bank provides for temporary use. If you have spent your own funds, you can utilize the available limit. This is especially convenient when you need money urgently.
What is a grace period?
A grace period is a specified timeframe during which you can use credit funds without accruing interest, provided you meet the bank's conditions.
For example, when you use credit funds and make the minimum monthly payments on time, interest is not charged if the rules of the grace period are followed.