Top 5 best debit cards in 2024

TOP-5 most profitable debit cards

We have prepared a ranking of the most profitable debit cards in 2022 for you. With them, you can make money on your expenses by earning cashback on purchases. Just below you will find a comparison table and a detailed description of each card.

Bank and debit card name	Maintenance cost	Cashback	Interest on balance
Alfa-Bank “Alfa-Card”	Free	Up to 50 %	Not provided
Tinkoff Bank “Tinkoff Black”	From 0 to 99 RUB per month	Up to 30 %	Not provided
VTB “Card for Life”	Free	Up to 30 %	Not provided
Sberbank “SberKarta”	From 0 to 150 RUB per month	Up to 70 %	Not provided

Alfa-Bank "Alfa-Card"

Just like in the previous case, card issuance and maintenance are absolutely free regardless of your monthly expenses.

In terms of cash withdrawals and transfers, Alfa-Bank is significantly more profitable than many Russian banks. You can withdraw cash from the card for free via ATMs of third-party credit institutions up to 50,000 RUB per month. If this limit is exceeded, you will have to pay a fee of 1.99%, but not less than 199 RUB.

Cashback accrual principle:

• up to 30% in selected categories;
• up to 50% you will receive for purchases at Alfa-Bank partner stores.

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T-Bank 'Tinkoff Black'

Issuance of Tinkoff Black is free. However, its maintenance will cost you 99 RUB per month. However, you can avoid the monthly fee if you keep at least 50,000 RUB in your accounts opened with Tinkoff, or if a loan is issued to this card account of yours.

You can withdraw cash for free via ATMs of third-party banks if the amount of a single transaction does not exceed 3,000 RUB and the total monthly transactions do not exceed 100,000 RUB. When withdrawing a smaller amount at a time, you will have to pay a fee of 90 RUB, and if the limit is exceeded — 2%, but not less than 90 RUB. The overpayment for interbank transfers over 20,000 RUB per month will be 1.5%, but not less than 30 RUB.

Cashback is accrued here according to the standard scheme:

• from 1% to 15% the bank awards for purchases in increased cashback categories;
• from 3% to 30% for purchases at Tinkoff partner stores.

VTB “Card for Life”

Card issuance and maintenance are always free regardless of your monthly expenses.

For cash withdrawals through third-party bank devices, you will have to pay a fee of 1% of the transaction amount, but not less than 300 RUB. And for interbank transfers by card number — 1%, but not less than 50 RUB.

Cashback at VTB is up to 30% of the purchase price.

Sberbank 'SberKarta'

Card issuance is always free. Its maintenance will cost you 150 RUB per month.

You can withdraw cash for free through SberBank cash desks and ATMs, subsidiary companies, and other banks within the approved daily and monthly limits.

Here you can earn cashback:

• from 0.5% to 1% for regular purchases;
• up to 5% for purchases in elevated cashback categories;
• up to 70% for purchases at SberBank partner stores.

To conclude the article, we will give a couple of tips on choosing a debit card. First of all, pay attention to the annual maintenance cost. Sometimes it is unreasonably high and hardly justified by the card's benefits. Also, study the bonus programs of various banks. In some cases, you can return up to 50% of the amount spent on purchases. It is also good if the bank accrues interest on the card balance, allowing you to earn on your savings.