Debit card - what is it and how to apply for it + the best debit cards with free service, cashback and interest on the balance

Hello dear readers of Rich Pro! Today we will talk about debit card - what it is, how you can order it online and where it is better to draw up debit cards with free service, interest and cashback.

We will cover the following issues in detail:

• What does a debit card mean and how does it differ from a credit card;
• Which debit card to choose;
• How to draw up a plastic card, including online;
• Where can I order a free debit card with interest and cashback.

At the end of the article, we traditionally answer the most popular questions that arise when studying the topic presented.

Our publication should be carefully studied by everyone, asthe desire to issue the most profitable debit card may arise at any time. To prepare in advance for this process, you should study the article from beginning to end right now.

About what a debit card is and who offers to open it without a service charge with interest on the balance and cashback - read in this issue

1. Debit card - what is it in simple words

Before you begin to study the features of debit cards, it’s worth understanding what does a debit card mean. Without a proper understanding of the basic term, it will definitely not be possible to understand the subtleties and nuances of the question.

Debit card - This is a bank payment card, which is designed for cashless payments for goods and services, as well as for cash withdrawal in specialized devices.

Such an instrument provides its holder with the opportunity to use cash within the balance of the bank account to which this card is linked.

The main function of a debit card is that it acts as a means of payment. In other words, such a tool is intended to replace paper money used for settlements, as well as to make payments by the cardholder’s funds by bank transfer.

This implies the main difference between debit and credit cards. The latter allow you to rely on funds in excess of the limit. Unlike them debit cards do not require a credit program. Nevertheless, there may be cases when it connects to them overdraftwhich may be unauthorized.

Literally 20 years ago, debit cards in Russia occupied about 99% of the market for plastic payment instruments issued by financial institutions. This was due to the following circumstances:

1. The main reason was prosperity of illegal cashing, as well as close cooperation of banks with the criminal sphere;
2. To a much lesser extent, this situation is explained low level of confidence of Russians in the financial sector;
3. Another reason for the lack of variety in payment cards was the need to provide the bank with a deposit upon their release. Such collateral was required to prevent fraud of cardholders, as well as the occurrence of unauthorized debts on it.

In the end 2000years, the lending industry has developed at a tremendous pace. This led to a gradual reduction in the share of debit cards among all payment instruments. Some customers preferred them credit cards.

2. What is the difference between a debit card and a credit card - an overview of the main differences + a comparative table

Many Russians mistakenly call credit debit cards. A huge problem in the absence of understanding of the difference between these payment instruments does not arise. Nevertheless, in order to increase the level of financial literacy, it is useful to understand their main differences.

Debit card is a financial instrument that is intended to store funds owned by its owner. This can be money that the client independently deposited on the card, or received as a wire transfer. The last ones usually wage, pension, subsidies, as well as transfers from various individuals.

Important to understand which in most cases cash withdrawal from debit cards is free of charge. The only condition is to withdraw money at branches or ATMs of the credit organization that issued the card.

Also, there will be no commission if you cash out funds in banks having a partnership agreement with the issuer. Cashless payments are free of charge in all retail outlets and other companies that accept this type of card for payment.

The debit card is often also called estimated. These terms are equivalent. Also, when using a card to transfer payments from employers, they may say about it that it salary. The main functions, as well as the features of such tools are the same.

In order to increase competitiveness, banks serve debit cards very cheap. Even if for some of them it acts commission, in most cases it is minimal. This is especially true for corporate, payroll and regular customers.

In the absence of commission, a debit card can be compared with a wallet designed to store cash. Moreover, in some cases, the balance of funds on the card is charged interest.

Credit card represents payment instrument on which the bank funds are placed. The client can use the amount within the limit established by the creditor. In addition, the borrower returns, in addition to the amount spent, the percentage established by the contract.

However, paying for the use of money is not always necessary. Many modern banks install on cards Grace period. If during its course it is possible to fully repay the debt, interest will not be calculated. But do not forget that most credit cards provide cash withdrawal fee.

It’s worth considering what after repayment of credit card debt, the limit is renewed and the grace period begins to operate again. In fact, the cardholder can use borrowed funds an unlimited number of times.

It turns out that a credit card is a consumer loan without a fixed amount. In addition, interest is not calculated immediately, but after a certain period.

To facilitate understanding of the differences, a comparison of debit and credit cards is presented in the table.

Table "Comparative analysis of differences between debit cards and credit":

Before you agree to a credit card, you should carefully study the terms of the contract. In addition, you should carefully analyze your family budget.

This will help to ensure that the borrower will be able to timely fulfill its obligations. If this is not done, the future borrower risks falling into loan situationwhen payments are so large that timely payments become too difficult.

It’s worth getting a credit card only if its future owner has the following qualities:

• sufficiently disciplined and savvy financially;
• has a stable income sufficient to make payments;
• represents what budgeting is and is able to correctly distribute income between mandatory and additional costs.

Both credit and debit cards can make life easier for their holders. Such a financial instrument allows you to pay for goods and services, eliminating the need to constantly keep at hand the required amount of cash.

However, use a credit card with extreme caution. It is important not to spend the limit on it thoughtlessly so as not to fall into the debt hole.

Note! The main disadvantage of (-) credit cards is a rather high rate, which is valid for non-repayment of the debt during the grace period.

It is significantly higher than for traditional consumer loans.

Many do not understand why their friends open several bank cards of various types, they believe that one is enough. In fact, different types of plastic tasks differ from each other.

EXAMPLE: Debit Card acts as a kind of tool that allows you to store funds and spend or withdraw them as necessary. Many use this tool to ensure the safety of funds on long trips.

Credit card opens with a completely different purpose. It allows you to purchase goods or services when your own funds are not enough.

Now you know the difference between a debit card and a credit card. Next, let's talk about the types of debit plastic cards.

The main types of debit plastic cards

3. What types of debit cards are - TOP-4 popular types

Despite the fact that the principle of work, as well as the tasks for debit cards of different banks are the same, there are a huge number of types. They differ not only in their external design, but also in other features.

The main types of debit cards include:

1. Debit cards with free service. The simplest bank cards are issued and maintained without charging a commission. When ordering such a card, it is important to carefully read the terms of service and the list of available operations. Do not forget that some of them can be used exclusively for accessing funds through an ATM or payment terminal, such cards do not allow settlements on the Internet.
2. Co-branding - cards that are issued by any company in conjunction with the bank. Their owners receive additional bonuses and discounts in the partner companies of the bank participating in the issue.
3. Debit cards with interest on the balance can also be used as a deposit with a withdrawal option. In most cases, interest is accrued small, but if there is a large amount of funds in the account, the total amount can be very tangible.
4. Cashback Debit Cards involve the return of part of the funds that were spent on settlements in specific organizations.

By the method of reading information allocate chip cards and magnetic stripe cards. It is believed that the former are more secure. However, the rules for ensuring the safety of funds on the card should be followed in any case.

An important parameter of debit cards is the payment system to which they relate. The most popular are 6 systems, which account for about 80% of all Russian cards:

1. Visa international;
2. Maestro;
3. Mastercard WorldWide;
4. American express;
5. Sberbank has developed its own payment system - PRO100;
6. Recently, Russia has introduced and actively uses its own maps, independent of the global situation - PEACE.

Also, debit cards can vary in design and rates. Before ordering a specific card, it is worthwhile to carefully study the features of the various options and choose the most suitable.

To be able to compare and analyze the conditions of the cards, it is important to understand what their difference is. Below are the most popular types of debit cards.

View 1. Debit card without service charge

4. Debit cards with free service - the main advantages + 3 useful tips to help you make the right choice.

A huge number of debit cards allows anyone to choose the one that will be the best for him. Many are eager to save money by choosing cards with free service. Therefore, as part of the publication, we decided to talk about them in more detail.

Free Service Debit Cards significantly facilitate the task of issuing and receiving retirement benefits, as well as salary. Moreover, they simplify payments for various goods and services.

4.1. Key Benefits of Free Service Debit Cards

In addition to the possibilities laid down directly in the main tasks of debit cards, they have a number of important advantages:

Advantage 1. Release is free of charge

Typically, financial companies charge a fee for issuing and servicing bank cards. Nevertheless, some credit organizations offer to receive various cards absolutely free of charge.

The reasons for the free release of cards can be various:

1. launch of a new card product;
2. Advertising for a specific debit card
3. stocks timed to various events.

By issuing a debit card with free service, its owner immediately receives a certain benefit, consisting in saving money that would go to the commission.

Important! Despite the free registration, such a payment tool meets all the features of a debit card and provides access to all services provided by the rules for their servicing.

Advantage 2. Connecting to Internet Banking

Modern banks allow owners of cards issued by them to independently monitor the change in balance, transactions performed and other parameters.

It’s enough to use internet banking, which is a specialized service designed for self-management of accounts owned by the owner, online via the Internet.

To use Internet banking, you need to do a few simple steps:

1. go to the website of the bank that issued the debit card;
2. register and create a personal account;
3. activate the action of Internet banking through a terminal, ATM or directly on the site.

In most banks, to carry out such manipulations, it is enough to be the owner of the card. You don’t have to go to the office of a credit organization.

As a result, the debit card holder will be able to make transfers, make payments, track the balance at any convenient time.

You can perform all actions with the card through Internet banking 24 hours a day from any place with access to a computer and the Internet.

Advantage 3. Participation in bonus programs

In today's world, competition in the banking sector is incredibly high. In the struggle for customers, financial organizations often offer them to take part in various bonus programs.

Owners of debit bank cards also receive many favorable offers. Card bonuses are usually various miles and points.

The accumulated bonuses can be spent in various ways:

• to purchase goods and services;
• to pay a commission of a credit organization;
• Some banks provide for the payment of accumulated points in the form of cash.

No less popular is another type of bonus program, called cashback. It is provided on certain debit cards and involves the return of a small part of the funds that were spent on the payment of various goods and services.

In this case, a refund is made by crediting money to the card. Banks independently determine the size of cashback. On some debit cards he reaches 10%.

On our site there is a separate article about Cash Back - what is it and what is the rating of the best cashback services.

Advantage 4. Ease of design

To get a debit card, usually one is enough passports. Nevertheless, credit organizations are entitled to ask the client to provide other documents. It can be SNILS, pension certificate, driver's license and to others.

Most often, additional documents are required when issuing multi-currency cards.

This is due to the fact that when using such a banking instrument, currency transactions are carried out. When conducting them, the bank is obliged to collect the maximum amount of information about the client.

In most cases, they are tied to a multicard 3 accounts opened in different currencies - rubles, dollars, as well as Euro.

The owner of such a card can use it Not only withdraw cash and conduct settlements, but also carry out currency conversion. Many earn on this by defining profitable exchange directions.

Thus, issuing a debit card with free service, you can not only save, but in some cases even make money.

4.2. How to choose the most profitable debit card with free service - TOP-3 useful tips from professionals

Choosing a debit card with free service (free debit card), it is important to consider a large number of parameters of this product. It’s worth knowing: what you should pay attention to first of all, how to use the provided benefits to the maximum.

The following will help you figure this out. expert advice.

Tip 1. You should prefer a bonus program that the future card holder will regularly use

Many, drawing up a debit card, do not think about whether they will use the information provided on it. bonus program. At the same time, practice shows that correctly selected bonuses can bring significant benefits. In the same time an unused program is completely pointless.

For example: For those who never fly anywhere, it makes no sense to draw a map with miles.

At the same time, it is possible to choose a tool that provides additional benefits when paying at a particular store, including for making purchases online.

In other words, it is better to choose a card that provides bonuses that the owner will use regularly. It makes no sense to accumulate benefits if the client is unlikely to ever use them.

Tip 2. It is preferable to issue debit cards that have a maximum service life without charging a commission

In most cases, debit cards with free service are issued for a period of up to 2 years. It’s important to pay attention whether commission will be charged after a certain period of time.

However, some banks may charge a fee after a year:

• On the one hand, the amount charged is not too large;
• But on the other hand, the lack of commission allows you to order several cards that will be used in different situations.

Tip 3. Carefully review the terms of use of debit cards

Many do not want to read the terms of service, but it is important to study them as carefully as possible. Before ordering a debit card, you should familiarize yourself with an agreement, as well as release rates and use of cards.

In the process of studying the contract, it is important to pay attention to the following points:

• the presence and size of limits on cash withdrawals and cashless transfers;
• whether interest is accrued on the balance of funds stored on the card;
• Are there any fees for transferring funds and withdrawing cash, and what is their size;
• on what conditions bonuses and cashback are awarded, details of the corresponding program;
• what are the other features of servicing debit cards.

A careful study of the conditions on the map allows you to prevent disappointment in the selected program, to avoid unpleasant moments that arise when you do not understand certain nuances. As a result, the use of a banking product will be most profitable.

Type 2. Debit card with interest on the balance of own funds

5. Debit cards with interest on the balance - the main features + tips for choosing

Another popular type of debit card are those that involve the calculation of interest on the balance of the account.

Such a tool can be called an analogue of the deposit with the possibility of replenishment and withdrawal at any time. At the same time, they provide all the features of plastic cards.

5.1. Features of debit cards with interest on the balance

When deciding to draw up a debit card that involves the calculation of interest on the balance, it is important to carefully study the features of this payment instrument. Below are described the main characteristics of this type of card, which should be considered first.

Feature 1. The amount of interest on the balance

Today, the average percentage accrued on Russian cards is about 7%. Moreover, the spread of this indicator in different banks is quite large. The minimum bid is about 1%maximum can reach 10%.

Credit institutions also establish a method of calculating interest. The rate may be fixed or depending on specific conditions..

Feature 2. Interest calculation

Interest is charged daily in the morning. The account balance at the beginning of the day is taken into account.

In other words, if the cardholder has withdrawn money from it, no interest will be charged from the next day until the funds are deposited onto the card.

Feature 3. Frequency of interest payments

In most cases, interest is paid 1 time per month or Once a quarter. In this case, interest is added to the amount on the debit card, increasing it.

Feature 4. Insurance

Debit cards for which interest is accrued on the balance of funds participate in the deposit insurance system. This means that if the bank goes bankrupt or the license is revoked, the cardholder will be able to return his money.

But it should be borne in mind that the insurance payment is valid. limit on the amount. Will be able to return no more than 1.4 million rubles.

Feature 5. Minimum RPM

Some banks determine the minimum turnover on their debit cards. In other words, the conditions of service establish the amount of necessary expenses for a certain period, in most cases per month.

If this condition is not met, it may decrease interest rateaccrued on the balance increase commission for service cards.

Feature 6. Minimum Balance

In addition to the minimum speed can be set minimum debit card balance. He is the amount, if any, on the account of which interest is charged.

If at the beginning of the day there is no such amount on the card, no interest will be calculated for that day. Accrual will resume as soon as the cardholder replenishes it to the minimum balance.

5.2. How to choose the best debit card with interest accrual - expert advice

First of all, you should understand that there is absolutely no debit card with interest on the balance that is profitable for everyone. Therefore, do not blindly believe in advertising, it is better to select a card individually.

For those who travel regularly, it will be more profitable to open a card with accrual miles. Those who make regular purchases in the same store should look for the appropriate co-branded card.

In any case, when choosing the most advantageous offer, you should adhere to the advice of professionals.

Tip 1. Examine your payroll bank offer.

First of all, you should pay attention to debit cards with interest on the balance offered by the bank through which wages are paid. It is much faster and easier to arrange any banking service.

The benefits of applying to a payroll bank are as follows:

1. No need to collect a package of documents, usually it’s enough to present a passport, as the bank already has basic information about the client;
2. Regular customers regularly receive notifications of profitable promotions and new offers. In this case, the potential owner of the debit card will always be aware of all the new products and will be able to quickly choose the most suitable option;
3. Banks usually offer the best conditions for salary clients - for them there may be interest on the balance higher and commission below.

Tip 2. Conduct an analysis of the maximum number of offers of banks

Even if wages are credited to the card of a particular bank, it is worthwhile to carefully study other offers. When choosing a debit card, don't rush. You must visit the Internet resources of the maximum number of banks. Thus it is necessary to analyze the offers on debit cards, compare the main conditions of the offers you like.

Important! When choosing a card with interest on the balance, it is important to pay attention to bid amount. No less important various restrictions.

Tip 3. Choose a debit card with bonuses that you will use regularly

Many are attracted to debit cards with bonuses, but most come to their choice spontaneously. They draw up the cards that are most advertised.

As a result, such advantages are practically not used by such customers of banks. Meanwhile correctly selected bonus program can bring tangible additional income in the form of discounts and other offers.

Debit cards with interest on the balance can be used as a deposit with the possibility of withdrawal. Approach their choice should be as responsibly as possible, having studied various offers in the market.

View 3. Debit card with cashback for purchases.

6. Debit cards with cashback - selection criteria + 4 ways to get the maximum cashback per card

Cashback - one of the types of income on a debit card. It represents a refund of part of the funds spent on payments by card for certain goods and services.

Having a cashback makes the card more attractive to future owners. However, in order to get the maximum benefit, it is important to know what are the features of this payment instrument.

6.1. Basic criteria for choosing a cashback debit card

In the face of a huge number of offers in the banking services market, making the right choice in favor of one card can be difficult. Knowing the selection criteria helps make the task much easier.

Criterion 1. The value of cashback

The size of the cashback is set by the bank independently, in various credit organizations it can vary quite significantly. This indicator in Russia today varies within from 1 to 10%.

Moreover, within one card product, it can also vary depending on the category of purchases made with a bank card:

• Cashback at a minimum level is traditionally set for all cashless payments;
• Increased size is usually offered when shopping at partner companies of the bank.

Criterion 2. Cost of service

According to the principle of charging a fee for servicing debit cards, they can be divided into 3 groups:

1. completely free;
2. partially free;
3. paid.

Assignment to one or another category depends on the service conditions developed by the bank for a particular type of debit card. Naturally, choosing a card with a cashback, you should pay attention to the cost of its maintenance.

Important to remember, what some banks set restriction on the duration of the free service period. In most cases, a commission is not charged only during the first year of using a debit card.

In addition, the size of the commission can be determined using various conditions, for example, the average balance of funds on the card.

Criterion 3. Cashback categories

Banks on debit cards divide the cashback into several categories. It can be restaurants, travel companies, specific goods stores, gas stations and much more. In some credit organizations, the number of categories exceeds twenty.

Moreover, often banks offer the client to choose the category according to which the cardholder will receive increased cashback. Moreover, it can be changed periodically.

6.2. How to get the maximum income using a debit card with cashback - current methods

When using debit cards with cashback, many owners note a number of features that allow you to get the maximum amount of refunded funds.

Below are presented ways that really work and help everyone to get the most out of these cards.

Method 1. Carefully choose cashback categories

Many, without hesitation, issue the most advertised debit cards with cashback. They do this, not paying attention to other conditions for using the instrument, as well as to proposals of other credit organizations.

The result is often not only the non-use of the selected program. Wrong card selection leads to profit loss, which could be obtained when registering another debit card with a cashback.

To make the right choice, you should first analyze the composition of the expenditure side of the personal budget. After the analysis, you should prefer a card with a cashback provided for the most popular categories of purchases.

Method 2. Shop with other people.

Experienced cashback debit card users recommend shopping together to maximize returns.

For this, it is worth involving in joint procurement. relatives, friends, acquaintances, colleagues. It is enough to offer them to pay for the necessary goods from their card. The result will be an increase in non-cash payments, which means will increase⇑ cashback.

Method 3. Choose a debit card, which in addition to cashback offers other bonuses

Many when choosing a debit card with cashback pay attention exclusively to the size of the refund. Meanwhile, a high percentage cannot guarantee the most favorable conditions.

When choosing a card, it is best to focus on 2 main indicators:

1. amount of refund for frequently purchased goods and services;
2. the presence of additional bonus programs.

Selecting a card combining 2 of these parameters, the client receives an additional advantage. He not only returns part of the money spent on purchases, but also receives a reward in the form of various bonuses.

But don’t forget that many bonuses have a limited duration. Therefore, you should prefer cards with such programs that the owner can use in the near future.

Method 4. Draw up additional cards for relatives

Most banks offer customers to issue several additional debit cards, often their number can reach 5. Moreover, many credit organizations offer this service absolutely free.

You can issue additional cards tied to the account of the debit card holder and distribute them to family members. This will increase account expenses, and therefore to growth cashback.

When deciding to issue additional cards, it is important to consider 2 factors:

1. in order to limit the uncontrolled spending of funds, a certain limit on additional cards should be established;
2. if there is a commission for issuing and servicing additional cards, you should evaluate and compare its size with the estimated cash back from the use of such cards.

Cashback debit cards, without a doubt, can bring their owners significant benefits and even income. However, to maximize them, you should adhere to certain rules.

5 steps to order a free debit card with interest and cashback

7. How to draw up a debit card with free service, cashback and interest calculation - 5 basic steps

To avoid problems with the debit card, it is important to know what steps should be taken to open it. Below is presented step-by-step instruction, which will help everyone to become the owner of the card. Moreover, the steps of the procedure are practically independent of the type of card received.

Stage 1. Choosing a Bank

When deciding to issue a debit card, first of all, you should choose a service bank.

When choosing a credit institution, it is important to pay attention to the following conditions for issuing a card:

• amount of commission for registration and maintenance;
• action of the bonus program;
• the presence of cashback;
• Is there interest on the balance of the account.

When the list of preferred banks is completed, you should study the conditions for issuing and servicing debit cards in them. After that, it remains to compare them and choose the best option.

Keep in mind that all incomprehensible issues should be resolved before the signing of the contract. To this end, you can call hotline, which in most cases is free, or contact chat room on the bank website.

Only after all the nuances have been clarified, you can begin to draw up a card.

Stage 2. Filling out the application

Most modern banks offer 2 ways to fill out a debit card application:

1. online on the site;
2. in the department credit organization.

Usually it’s enough to include in the application:

• personal data of the future debit card holder - surname, name and patronymic, date of birth, passport details;
• contact information (phone number and email address);
• address of registration and residence;
• desired currency of the future card (some banks offer multicurrency cards).

Stage 3. Submission of documents

When online applying for a debit card at this stage, it is important to wait for a message about the readiness of the card. After its receipt, a bank specialist usually contacts the client.

As a result of the conversation, the timing of delivery of a debit card or a client visiting a branch of a credit organization is agreed.

Stage 4. Receiving a debit card

It takes a little time to get a card. It’s enough to present passport and sign acceptance certificate. After that, the employee transfers the debit card to the owner.

At the same time as the plastic, the client receives an envelope containing Pin. It is a secret combination, which in most cases includes 4 numbers.

The PIN is known only to the debit card holder, it is an analogue of a handwritten signature required during operations. It is important to ensure that this set of numbers does not become known to third parties.

Upon receipt of the plastic, it is also important to put the owner’s signature on the specially designated strip on the back of the card. Without it, the card is considered invalid.

When affixing a signature to a card, it is important to consider 2 basic rules:

1. it is important to use a ballpoint pen;
2. signature must be the same as in the passport.

Step 5: Start Debit Card Transactions

Upon receipt of a debit card, it is worth clarifying whether it is necessary to activate it. In most cases, the following methods can be used for activation:

• at an ATM;
• in a branch of a credit organization;
• by phone hotline;
• via the Internet on the bank’s website.

During the activation process you may need Card PIN and mobile phonespecified in the questionnaire. After carrying out the activation actions, you can begin to fully use the debit card.

Exactly adhering to the above instructions for issuing a debit card, you can quickly and without much problems become the owner of a convenient payment instrument.

8. Where to order a debit card with cashback and interest calculation without a service charge - TOP-3 popular banks

Debit cards are offered to be issued at all Russian banks. The terms of issue and maintenance of this payment instrument are different everywhere. Below is presented review of 3 popular banksthat offer the most favorable conditions.

1) Tinkoff Bank

Tinkoff Bank- the only credit institution in Russia that works completely remotely. Absolutely all operations and services are provided here in online mode.

To become an owner of a Tinkoff debit card, you must fill out the appropriate application on the bank website. This usually requires no more 5 minutes. When the card is ready, the bank employee will bring it to the address indicated by the client.

Tinkoff offers several types of debit cards for processing. Anyone who wants to find here is the option that suits him.

The main conditions for debit cards are as follows:

• interest on the balance 7% per annum;
• refund by bank transfer with partners of the bank;
• low cost of service, including free cards;
• cashback in size from 1 before 5% (depending on the category);
• cashback by favorite categories to 30%.

2) Alfa Bank

Alfa Bank works in the Russian financial market with 1990 of the year. It offers a wide range of debit cards with a variety of conditions.

Plastic cards are made by our own processing center. This, as well as a wide branch network, significantly increase the speed of issuing debit cards.

The main advantages of payment instruments from Alfa Bank are:

• wide network of branches and ATMs;
• the ability to withdraw money without a commission from partners of the bank, of which there are many;
• income on account balance of up to 7% per annum;
• cashback from 1 before 10%.

Among debit cards, football lovers, travelers, parents, fans of computer games, shoppers for specific stores, and many others will find a suitable option.

3) Sovcombank

Sovcombank Offers a free debit card. Her main advantage accrues interest on the balance in the amount of up to 7% per annum

Moreover, interest is accrued monthly. As a result, the amount placed on the account increases. Cashback size can reach 50%.

However, when drawing up a Sovcombank debit card, it is important to carefully study the fees for servicing a particular type of card. It is worth keeping in mind that receiving cash is not always free. Commission for this operation can reach 2,9% of the amount withdrawn.

For ease of comparison, the basic conditions for processing and servicing debit cards in the considered banks are presented in the table below.

Based on the data in the table, we can draw the following conclusions:

1. The best cashback - in Sovcombank;
2. Free service - in Sovcombank;
3. Highest interest on card balance - at Tinkoff Bank and Alfa Bank.

9. Which debit card to choose - the best debit cards with interest and cashback

New debit card programs with very favorable terms of service are constantly appearing on the Russian banking market.

Among the best debit cards with interest on the balance and cashback, the following can be distinguished:

1. Cashback - card from Alfa Bank. The balance is charged until 7% per annum. Refund for purchases reaches 10%. Moreover, it cannot exceed 2 000 rubles.
2. Tinkoff offers a Black debit card. According to it, the income on the balance of funds reaches 6% per annum. Cashback is 1% Card service fees by 99 rubles monthly.
3. Multicard from VTB Bank assumes a return on balance of 10% per annum But for its calculation it is important to connect the option Saving. To get bonuses and cashback, you can select categories on a monthly basis. With active operations on the card, a service charge is not charged.
4. Otkritie Financial Company offers its customers the payment tool Smart Card. You will have to pay monthly for this debit card. by 299 rubles. The income on the balance is from 3 before 7% per annum. Cashback is 1,5% of the amount of expense.
5. Premium Package from SKB Bank allows you to get 7% per annum on the balance of funds. Cashback is 1% for all non-cash payments. No additional card service fees are charged.

Of course, this is far from a complete list of programs offered on the Russian banking market. Worth exploring carefully debit card rating and arrange the most suitable option.

10. Answers to frequently asked questions (FAQ)

In the process of studying debit cards, a huge number of questions arise. To reduce the search time, we traditionally at the end of the publication provide answers to the most popular of them.

Question 1. How to issue (order) a debit plastic card online?

Today, many banks offer customers to become owners of a debit card, without leaving home, online. To do this without much difficulty, you should follow the step-by-step instructions below.

The steps for obtaining a debit card are as follows:

1. Analyze the offers of various banks, study the conditions, choose the appropriate option;
2. Visit the site of the selected credit institution;
3. On the page of the selected card product, press the button "To order" or "Draw a card". Also found Open Debit Card (It is called differently in different banks, but the essence is always the same).
4. Fill out the opened questionnaire by entering basic personal data into it;
5. Check the box confirming consent to the processing of data;
6. Press the button “Send online application” to the bank to receive a debit card;
7. Wait for a call from an employee of a credit institution whose purpose is to coordinate the further course of the procedure.

Sample online debit card application form

When the debit card is completed, it will be delivered to the address, or the client will have to visit the bank branch in order to receive plastic.

Question 2. What does a deposit debit card mean?

Deposit Debit Card is a plastic tool that gives access to deposit account. It can be used to pay for goods and services, as well as cash withdrawals. With this card you can manage your accounts.

Important! A deposit card is not a separate tool. It acts as an option that connects to any bank card.

Many people think that a deposit card provides access to a deposit opened in the name of its holder. But this is not so. In fact, such a card can come only interest.

However her advantage is that such a card allows you to track all operations carried out on a deposit account. If the client wants to access his deposit immediately on the day of the application, he should choose another card - instant.

When making a deposit debit card, it is important to pay attention to the following characteristics:

• the availability, as well as the conditions for receiving bonuses and discounts;
• validity;
• clearance speed;
• cost of release, as well as maintenance;
• the possibility of obtaining additional cards;
• the prevalence of ATMs of a credit institution, as well as partners that issue cash without charging a commission;
• availability of binding to electronic wallets;
• availability and size of limits for withdrawal and transfer of funds;
• the ability to use a bank card abroad;
• permission from the bank to use the deposit card for other purposes, for example, to receive pensions and other payments.

It should be borne in mind that the choice of a deposit card is also of great importance minimum balance. It represents the amount of cash that should always be on the card account.

Deserve special attention overdraft deposit cards. In fact, they are a credit card, the pledge of which are funds placed in the deposit.

Overdraft can be repaid automatically due to interest received from the deposit or by using the main amount of the deposit. This is precisely the main difference between such cards and traditional credit cards.

However, overdraft deposit cards have a serious disadvantage. All profits received from the deposit may go to repay interest on the loan.

Therefore, before issuing such a card, it is important to carefully examine the cost of servicing and the amount of interest accrued on overdraft and compare them with the income on the deposit. About which bank you can open the most profitable deposit in rubles or other foreign currency, we wrote in a separate article.

Question 3. What is the difference between a personalized debit card and a non-personal one?

The vast majority of bank cards issued today are registered. Nevertheless, in the financial market of Russia you can find unnamed cards. The main advantage registration of such a payment instrument in a few minutes.

In fact, anyone can decide for themselves which debit card should he issue? - personal or non-personal. Among other names of unnamed debit cards that can be found in circulation, are often found non-personalized and unembossed.

Features of an unnamed debit card:

• such a card does not have relief inscriptions, and all data on it is laser-applied;
• all information about the owner is contained in the database of the bank;
• The card number is assigned to a specific owner, but his name is not applied to the plastic itself. Nevertheless, on the name card there is a field for affixing the owner's signature.

If the debit card is lost or stolen, the customer will be able to block it. Subsequently, he has the right to order reissue. Without knowing the secret PIN code, third parties will not be able to use the funds placed on the card.

Some believe that applying the name of the owner on a plastic card can further protect his funds. However, they are mistaken. In fact non-personalized cards are as secure as personalized cards.

Debit unnamed cards are issued by all major payment systems: Visa, Mastercard and others. However, they have the main advantages of other bank cards.

To become the owner of an unnamed debit card you will need to spend no more than 10 minutes. This is its main difference from nominal plastic, the design of which often takes from several days to several weeks. The high speed of issuing non-personalized cards is explained by the fact that the bank makes them in advance.

Question 4. What features do instant debit cards have?

The main feature of an instant debit card is high⇑ clearance speed. Most banks claim that the client will need to receive such a payment instrument. no more than 15 minutes.

In any case, an instant card is issued on the day of treatment. It is enough to visit the bank branch with a passport.

In most cases, the name of its owner is not applied to the instant card. Nevertheless, some banks have the ability to quickly issue plastic cards with the owner information printed on them.

In any case, an instant debit card involves all the functions of traditional cards:

• receipt of cash;
• non-cash payments for goods and services;
• calculation in online stores;
• use for payment abroad;
• depositing funds into the account.

In most credit organizations, tariffs for servicing non-personalized cards do not differ from registered ones of the same type.

Question 5. Where can I buy (open) a free debit card with interest and cashback for senior citizens?

Many banks are developing special debit card service programs for senior citizens. They provide all the basic functions of plastic. Moreover, in addition, such cards allow you to credit pension contributions to them. This is much more convenient than receiving cash payments.

To transfer a pension to a card, you should get it at a bank card details. After that it is necessary to fill statement in the Pension Fund at the address of residence indicating the details received. Some credit organizations, for the convenience of senior citizens, help them fill out an application.

It’s important to consider that since July last year, pensions are allowed to be credited only to cards issued under NPS Mir. Other payment systems can only be used if payment to them has already been issued earlier.

For pension debit cards, as well as for traditional ones, it is provided cashback. A huge advantage is also free maintenance.

However, not all pensioners want to analyze the proposals of a large number of banks in search of a suitable option. For convenience, the following are presented TOP 3 The best free debit cards for senior citizens with cashback accruals issued as part of NPC Mir.

1) Card Honorary pensioner from Uralsib Bank

Uralsib Bank is a member of the ATM network ATLAS. Therefore, you can withdraw cash without a commission from a card issued by this credit institution almost everywhere.

Under the terms of the card in question, it is not necessary to credit a pension to use it. For registration you will need passport and pensioner's ID.

Among the main conditions of the Honorary Senior Citizen card are the following:

• balance income of 5% per annum on condition of saving on the card no less 5 000 rubles;
• deposit and withdrawal of cash without commission at all ATMs of NPS Mir;
• cashback 0,5% credited to a mobile phone;
• Bonuses for the Compliment program;
• registration and service without charging a commission.

The card is issued instantly at any office of Uralsib Bank.

2) Pension from the Bank Opening

Bank opening It has a wide network of branches and ATMs throughout Russia. It is here that you can receive cash without a commission from a pension card.

For registration, it is enough to contact the office of a credit organization with passport and pension certificate. The map opens within minutes.

The conditions for it are as follows:

• balance income 3% per annum on condition that the pension is transferred to the card;
• free registration and service;
• cashback for payments in pharmacies 3% of the purchase amount.

3) Profit card of a pensioner from UBRD

Ural Bank for Reconstruction and Development also widely represented throughout Russian territory.

For retirees, they offer a debit card with the following conditions:

• income of 3,75% per annum when crediting to a pension card;
• cash transactions without charging fees at ATMs of UBRD and partners;
• cashback in size 5% on pharmacy purchases and 0,5% on all other acquisitions;
• registration instantly at a bank branch upon presentation of a passport and pension;
• free registration and service.

11. Conclusion + video on the topic

Debit cards are issued today in all Russian banks. Moreover, they are distinguished by a huge number of additional services - bonuses, cashback, interest on the balance. This allows owners not only to save, but also to earn.

A wide variety allows anyone to choose a debit card to suit their needs. To do this, it is enough to carefully study the current proposals, as well as the stages of registration.

In conclusion, we recommend watching a review video about debit cards:

That’s all with us.

The RichPro.ru team wishes everyone good luck and financial stability! Share your opinions, comments on the topic of publication and ask questions in the comments below.

Watch the video: Discover Cashback Debit Card & Savings Account Review (November 2024).