Debit card ranking – assistance in choosing a payment instrument

What to look for when choosing plastic

To choose the right payment instrument, you need to understand the purpose for which you are ordering it. By knowing why you need a card, you can select a product that meets your requirements. For example, to receive a salary, you should order a debit card with the maximum interest rate on the balance. For shopping — one with high cashback. For travel — a card that lets you accumulate miles and exchange them for tickets.

Generally speaking, a debit card should have:

• free annual maintenance and issuance;
• interest accrued on the account balance;
• cashback for purchases, visits to restaurants or cafes, gas station services, etc.;
• minimal or zero fees for depositing and withdrawing cash at ATMs;
• overdraft facility option;
• contactless payment;
• payments via Apple Pay, Samsung Pay, and Android Pay;
• a user-friendly mobile banking app;
• reliable protection using modern technologies.

Our ranking of debit cards with interest on the balance, cashback, and free annual maintenance features the best products from Russian banks.

6 best debit cards

• In the 2019 ranking of debit cards with cashback, the Tinkoff Black debit card takes first place. This is the bank's best card with dual income. By applying for Tinkoff Black through our service, you will receive 6% per annum on the balance + up to 30% bonuses at partner stores every month. There is also 5% for purchases in one of three categories and 1% for every 100 RUB spent. If you have a deposit or a balance of up to 300,000 RUB, the maintenance fee is waived. Otherwise, the fee is 99 RUB per month.
• The #MozhnoVse card from Rosbank is an excellent example of finding a profitable product. The financial institution not only offers cashback ranging from 1 to 10% but also provides Travel bonuses. These can be used to fully or partially pay for tickets and hotels on the Rosbank OneTwoTrip portal via ROSBANK Online. There is up to 8% on the balance with the #MozhnoSCHET account. The card is issued on the day of application.
• Home Credit Polza is a plastic card worthy of inclusion in the debit card ranking — featuring free maintenance, up to 7% on the balance + 15% cashback for purchasing medicine at pharmacies and 10% for gas station services. It offers free cash withdrawals at ATMs 5 times a month and fee-free account top-ups via internet banking or the mobile app.

Please note! Free maintenance is provided if the card has a daily balance of at least 10,000 RUB. No fees are charged for transactions of 5,000 RUB or more per month.

• We should also mention the Opencard payment instrument from Otkritie Bank. Card maintenance is free of charge. You can get 11% cashback in your favorite categories or 3% on all purchases. Using the Opencard plastic, you can withdraw funds at ATMs without commissions.

Please note! Upon activating a category in the first month of use, all cardholders receive elevated bonus points — 11% cashback. Afterwards — depending on fulfillment of conditions.

Use the calculator to compute your cashback. Use the sliders to set your total card spending or spending in a selected category. For example, if monthly card spending is 103,381 RUB, you will receive 37,217 RUB to your bonus account per year.

• The VTB Multicard holds a respectable place in the debit card ranking. Free maintenance with monthly spending starting from 5,000 RUB + up to 10% cash back + up to 9% on the balance.
• We award the final place in our ranking to the card from Alfa Travel. This plastic product allows you not only to accumulate money on the account balance — up to 6% — but is also advantageous for travel. You can withdraw cash without commission in Italy, France, and other countries. The card offers special privileges — free unlimited roaming internet (Beeline, MTS, MegaFon), as well as free baggage wrapping 4 times a year for Visa Signature cardholders. Cardholders can also dine at Novikov Group restaurants at Sheremetyevo Airport at a discount and ride business class with up to a 15% discount.

You can apply for the Alfa Travel debit card for travelers through our service.

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How to apply for a card

After choosing the best option from the ranking of debit cards with free maintenance or the best cashback terms, click the "Apply for card" button on our service. Once the system redirects you to the bank's official website, fill out the application form by entering the requested information. Provide your full name, passport number, and when and by whom it was issued. If there is a field for income, enter the required figure. Also, include any additional information.

Note! If you encounter any difficulties while filling out the application form, use the provided telephone number and contact a call center consultant. They will provide high-quality assistance and tell you how to correctly fill out the application for a debit card.

What documents are required

A debit card is not a credit card, so it is issued with just one document — a passport.

Standard customer requirements are being at least 18 years old and residing in the Russian Federation. Depending on the financial institution, requirements for card applicants may vary slightly.

To sum it all up, debit card rankings are a helpful tool for those who urgently need a reliable payment instrument and do not have time to search for it.