Alfa Travel Debit Card from Alfa-Bank

Issuance of the main card and one additional card for close relatives and family members, as well as their reissuance due to expiration or at the bank's initiative, is completely free. You will need to pay a one-time fee of 290 RUB to issue a new card to replace an old one due to loss. 

Card maintenance is always free without any conditions. Additionally, you can enable transaction alerts. The cost of this service is 99 RUB per month.

You can use the Alfa-Bank mobile app to access your personal account and make card transactions completely free of charge.

You can top up your card for free at Alfa-Bank's own ATMs, as well as by transfer from another bank in any of the following ways:

• by bank card number;
• by phone number via the Faster Payments System;
• via bank account details.

You can also top up the card for free at ATMs of Alfa-Bank's partner banks.

You can withdraw cash free of charge at Alfa-Bank's own ATMs and partner banks. Today, these include:

• Credit Bank of Moscow (CBK);
• Ural Bank for Reconstruction and Development (UBRiD);
• Gazprombank;
• Otkritie;
• Promsvyazbank;
• Rosselkhozbank;
• Rosbank.

You can also cash out the card for free at ATMs of other banks for up to 50,000 rubles per month if you meet one of the following conditions:

• make purchases of 10,000 rubles or more per month;
• maintain a minimum card balance of 30,000 rubles or more per month.

If you exceed the limit or fail to meet the conditions described above, you will need to pay a fee of 1.99% of the transaction amount, but not less than 199 rubles.

You can transfer money for free between your own accounts, as well as to other Alfa-Bank clients. You can make transfers to clients of other credit institutions without a fee by phone number via the Faster Payments System with no limits. You can also transfer money to other banks for free by card number if you meet one of the conditions:

• make purchases of 10,000 rubles or more per month;
• pay for a subscription, which costs 149 rubles per month.

In other cases, you will need to pay a fee of 1.95% of the transaction amount, but not less than 30 rubles.

Like other credit institutions, Alfa-Bank rewards its clients for using a debit card and awards cashback for purchases. Thus, you can earn:

• 2 miles for every 100 RUB spent when making purchases totaling from 10 thousand RUB per month;
• 3 miles for every 100 RUB spent when making purchases totaling from 10 thousand RUB per month;
• 20 miles for every 100 RUB spent when booking hotels on the website “Alfa Travel”;
• 5 miles for every 100 RUB spent when buying train tickets on the website “Alfa Travel”;
• 10 miles for every 100 RUB spent when buying plane tickets on the website “Alfa Travel”.

The maximum cashback amount is 5 thousand bonus miles. You can spend them on booking hotels, paying for train and plane tickets on the website “Alfa Travel”.

Pros:

• free issuance of primary and secondary cards, as well as their reissuance upon expiration;
• free courier delivery of the card to your home if you live in a city that is included in the bank's service area
• free card maintenance without meeting any conditions;
• free use of the mobile app and online banking;
• free card top-up at Alfa-Bank ATMs, via transfers from other banks, and at partner devices;
• free cash withdrawals at Alfa-Bank ATMs and other banks' devices up to 50,000 RUB per month subject to the terms of the agreement;
• free transfers within Alfa-Bank and to clients of other banks by phone number via the Faster Payments System and by card number;
• cashback accrual of up to 20% of the purchase amount;
• accrual of cashback in miles, which can be used to pay for travel.

Cons:

• free transfers only if you make purchases totaling at least 10,000 RUB per month or pay for a subscription;
• high commission for top-ups and cash withdrawals when limits are exceeded.