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Articles about debit cards
AllDebit card reviews
AllРедакционный автоотзыв: Платежный стикер от ВТБ представляет собой современный банковский инструмент, предназначенный для совершения бесконтактных покупок. Этот формат карты удобен для пользователей, предпочитающих альтернативные способы оплаты со смартфона или без использования классического пластикового носителя. На страницах финансового портала Sravnim24 можно подробно изучить актуальные условия обслуживания, тарифы и порядок оформления данного банковского продукта. Специалисты сервиса собрали проверенную информацию, которая поможет взвесить все аспекты использования стикера и принять информированное решение перед подачей заявки на его выпуск.
Редакционный автоотзыв: Пенсионная Альфа-карта от Альфа-Банка представляет собой специализированное платежное средство, разработанное с учетом потребностей получателей социальных выплат. Продукт ориентирован на удобное управление личными финансами и повседневные расчеты. В рамках данного предложения пользователям доступен базовый функционал современной дебетовой карты, включая бесплатное обслуживание и возможность переводов. Оформление карты позволяет пенсионерам перевести получение пенсии на новый счет и пользоваться финансовыми сервисами банка. Подробные условия обслуживания, тарифы и порядок подачи заявки можно изучить на сайте Sravnim24.
Editorial auto-review: The Privilege debit card from VTB is tailored for clients interested in enhanced banking and premium services. The product combines standard settlement functions with additional privileges available within the bank's packaged services framework. When choosing the card, it is important to carefully review current tariffs, free-maintenance conditions, and up-to-date requirements for minimum account balances or purchase volumes. Applications are available online on the official website or via financial marketplaces.
Best offers
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The market has many debit card offers, many with favorable terms. We explain what to look for when choosing the best card, how to select a bank for opening an account, and where to get the best debit card in 2024.
What to consider when choosing the best debit card?
There are numerous debit card offers on the market, making it difficult to choose the right one. Therefore, we have prepared criteria to help you find the best debit card.
Issuance and Maintenance
Most banks do not charge an additional fee for issuing a bank card. However, the maintenance of many cards is subject to a fee. At the same time, cardholders can use cards for free if they meet certain free-maintenance conditions. For example, if they make a minimum monthly purchase amount, maintain a minimum balance on their accounts, or take out a paid subscription.
Notifications for deposits and withdrawals are also usually subject to a fee. As a rule, the cost of this service ranges from 59 to 149 RUB per month. If a person does not want to pay extra for card maintenance, we recommend declining all unnecessary options and looking at cards with free annual maintenance.
Cash withdrawal
Most people have switched to cashless payments for purchases. But situations sometimes arise when cash is needed, for example, when it is not possible to pay for goods with a card. All banks provide free cash withdrawal through their own ATMs.
However, this can be inconvenient when cash needs to be withdrawn urgently or the credit institution has very few self-service devices. Therefore, we recommend paying attention to cards that allow cash withdrawals at ATMs of partner banks or third-party credit institutions.
Transfers to other banks
Almost all credit institutions allow transfers to other banks by phone number via the Faster Payments System. As a rule, the limit for these operations is 100,000 RUB per month. But some banks allow sending larger amounts as well. For example, at T-Bank you can transfer money to other banks for free up to 5,000,000 RUB per month, and at OTP Bank this limit is 1,000,000 RUB per month.
At the same time, it is an added bonus if sending money without a commission is also available by card number.
Bonus program
Almost all banks offer lucrative bonus programs on debit cards. With some cards, you can earn a certain percentage on regular purchases and up to 50% for purchases at partner stores. Other banks allow you to choose specific categories of increased cashback. Usually, these exact categories can be changed every month, and the rewards for them sometimes reach 25%.
Interest on balance
If a person does not spend their entire salary and saves money for specific needs, we recommend considering cards that offer interest on the account balance. In this case, the cardholder can earn a small income on their savings.
If the card does not provide for interest on the balance, you can open a savings account. In this case, we recommend choosing a bank that offers the most favorable conditions.
Delivery
Now most banks provide home delivery for debit cards. This is convenient if the credit institution's branch is far from home or work, and the future cardholder does not want to waste time getting to the office. Or such a service can be useful if a person cannot leave the house due to certain circumstances.
How to choose a bank to open a card?
When searching for the best debit card, you should pay attention not only to the maintenance terms but also to the reputation and convenience of the credit institution itself. We have also prepared criteria to guide you when choosing a bank.
Presence of a license
Not all companies offering their services have permission to issue and service debit cards. You can check whether an organization has a license on the official website of the Central Bank of the Russian Federation.
Branch network
It is better if the bank has a large branch network. Then you will not have to waste time getting to an office if any situation arises that needs to be resolved in the presence of a bank employee.
ATM network
It will also be better if the selected credit institution has a large ATM network. This will make servicing more convenient in the future. For example, you won't have to search long for a self-service device if you urgently need to withdraw cash from the card or perform any transaction.
Additional features
In this case, we are talking about additional options such as withdrawing cash from the card at ATMs abroad or paying for purchases in foreign online stores. This also includes the possibility of connecting an overdraft.
Customer reviews
When choosing a bank, we recommend paying attention to reviews and complaints from other clients. This will help you learn about the difficulties and pitfalls you may face when applying for a card and using its services.
Where to get the best debit card in 2024?
Many banks offer lucrative debit cards for issuance. We have prepared a TOP 3 list of cards with the best service terms.
"Tinkoff Black" from T-Bank
Issuance: free
Maintenance: 99 RUB per month or free when maintaining a balance on accounts from 50,000 RUB, when having a Tinkoff loan for this card account, with card tariff 6.2, or with the "Tinkoff Pro" subscription
Transaction alerts: 59 RUB per month for "Tinkoff Mobile" numbers or 99 RUB per month for other numbers
Cash withdrawals at ATMs of other banks: free from 3,000 RUB per transaction up to 100,000 RUB per month, then with a 2% commission, but not less than 90 RUB
Transfers to other banks: free up to 5 million RUB per month via the Faster Payments System and up to 20,000 RUB per month by card number, then with a 1.5% commission, but not less than 30 RUB
Cashback: up to 15% for purchases in categories, up to 30% for purchases in partner stores
Interest on balance: 5% per annum on a balance of up to 300,000 RUB when making purchases from 3,000 RUB per month
"Polza" by Home Bank
Issuance: free
Maintenance: free
Transaction alerts: 99 RUB per month starting from the third month
Cash withdrawals at ATMs of other banks: free up to 50,000 RUB per month, then a 1.99% fee with a minimum of 199 RUB
Transfers to other banks: free up to 100,000 RUB per month via the Faster Payments System, then with a 0.5% commission, but not more than 1,500 RUB; free up to 50,000 RUB per month by card number, then with a 1.99% commission, but not less than 199 RUB
Cashback: up to 15% for purchases in categories, up to 30% for purchases in partner stores
Interest on balance: none
"Alfa-Karta" by Alfa-Bank
Issuance: free
Maintenance: free
Transaction alerts: 99 RUB per month
Cash withdrawals at ATMs of other banks: free up to 50,000 RUB per month, then a 1.99% fee with a minimum of 199 RUB
Transfers to other banks: free up to 100,000 RUB per month via the Faster Payments System, then with a 0.5% commission, but not more than 1,500 RUB; by card number with a 1.95% commission, but not less than 30 RUB
Cashback: up to 5% for purchases in categories, up to 50% for purchases in partner stores, up to 100% for purchases in super cashback categories
Interest on balance: none
Smart Mir debit card from Gazprombank 
Alfa-Bank Only Alfa-Card debit card 
Pribyl debit card from Uralsib 
Your Cashback debit card from Promsvyazbank 
VTB Debit Card for Life Conclusion
To summarize. Many banks offer to issue a debit card with favorable service terms. However, when choosing a card, we recommend focusing on your own needs and preferences. Thus, if you need a card with cheaper maintenance, we recommend choosing options that do not provide for additional commissions. If it is important for you to withdraw cash, we recommend paying attention to cards that allow cash withdrawals at ATMs of third-party banks.
