Lamoda debit card from T-Bank

Both primary and additional card issuance and reissuance are completely free, regardless of the reason. The bank also does not charge for courier delivery to your home. The annual maintenance fee is 99 RUB per month, but you can use the card for free if you meet at least one of the following conditions:

• maintaining a minimum balance on card, savings, investment accounts, and deposits of 50,000 RUB or more per month;
• having a loan with Tinkoff Bank linked to this card account;
• having a Tinkoff Pro subscription;
• using card tariff 6.2.

Additionally, you can connect transaction alerts. The cost of this service is 59 RUB per month with a Tinkoff Mobile subscriber number and 99 RUB per month without it.

The Tinkoff mobile app and online banking are free to use. You also won't have to pay for notifications regarding card issuance, top-ups, activation, blocking, or transactions in the online bank and mobile app.

You can top up your card for free at Tinkoff Bank's own ATMs and via transfers from other banks using any of the methods listed below:

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

You can also top up a Mir payment system card for free at cash desks and ATMs of Tinkoff partner banks, provided that the transaction amount does not exceed 150,000 RUB per month. Otherwise, a 2% fee will apply.

You can withdraw cash for free at Tinkoff Bank's own ATMs up to 500,000 RUB per month. Exceeding this limit incurs a 2% fee, with a minimum of 90 RUB. In addition, you can withdraw cash for free at ATMs of other banks if two conditions are met:

• the withdrawal amount exceeds 3,000 RUB;
• the total monthly transaction amount does not exceed 100,000 RUB. 

In other cases, you will need to pay a 2% fee, but not less than 90 RUB.

You can transfer money for free between your own accounts at Tinkoff, as well as to other clients of the financial institution. You can make transfers to clients of other banks without a fee by phone number via the Faster Payments System up to 5 million RUB per month. 

You can also transfer money to clients of third-party financial institutions by card number for free up to 20,000 RUB per month. Exceeding this limit incurs a 1.5% fee, with a minimum of 30 RUB.

By paying with the Lamoda debit card, you can earn cashback on purchases:

• 1% of the spent amount is credited by the bank for regular purchases;
• 2% on purchases at the Lamoda online store;
• up to 30% on purchases via Tinkoff special offers.

In addition, the bank awards 100 bonus points after your first purchase and 200 bonus points when your total card spending exceeds 30,000 RUB.

Cashback earned with the Lamoda debit card is combined with Lamoda Club loyalty program points. You can exchange bonuses for gifts from the online store's partners or keep them in your bonus account to unlock perks:

• increased number of items available for simultaneous order;
• discounts on promotional brands;
• a promo code offering a discount on the entire range of products in the online store;
• access to private sales;
• information updates on fashion world events.
• opportunity to participate in special promotional campaigns.

Pros:

• free issuance of primary and additional cards, as well as their reissue;
• free courier delivery of the card to your home or office;
• free card maintenance subject to the terms of the agreement;
• free use of the mobile app and online banking;
• free card top-up at Tinkoff ATMs, via transfers from other banks, and at partner devices;
• free cash withdrawal at T-Bank ATMs and other banks' devices;
• free transfers within T-Bank and to clients of other banks by phone number via the Faster Payments System and by card number;
• cashback of up to 30% of the purchase amount.

Cons:

• paid annual maintenance if agreement terms are violated;
• high fees for top-ups, cash withdrawals, and transfers when limits are exceeded.