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Выбирал между несколькими банками, остановился на «Дебетовая карта «Мудрость» от МКБ». Условия совпали с тем, что было на сайте, заявку обработали без задержек. Минус — не сразу попался раздел про досрочное погашение, пришлось искать в договоре. Если продукт нужен без спешки, можно брать.
Оформление по «Дебетовая карта «UnionPay Diamond» от Газпромбанка» заняло меньше времени, чем ожидалось: заявку рассмотрели быстро, деньги пришли в тот же день. Из минусов — итоговую переплату сразу не видно, пришлось считать. Еще стоит заранее уточнить про досрочное погашение. Для срочной ситуации вариант рабочий, но без запаса по бюджету брать не советую.
Из нескольких похожих вариантов больше всего по платежу и сроку подошел «Дебетовая карта «Mir Supreme» от Газпромбанка». Условия понятные, все есть в договоре. Не понравилось, что итоговая сумма выше, чем выглядит в рекламе. Поддержка отвечает нормально, но по дополнительным услугам лучше переспрашивать.
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Almost everyone already has at least one debit card in their wallet. Today it is hard to imagine life without such a convenient financial tool. After all, you can easily use it to pay for purchases in stores, pay utility bills, withdraw cash, transfer money to other people, and so on. There are currently thousands of debit card offers on the market, but not all of them are profitable. For this reason, today we will discuss what to look for when choosing a free debit card and share the best offers in 2024.
What debit cards are used for
Debit cards have long since become helpful tools for solving everyday tasks. With them, we easily make purchases in stores and online, pay for housing and utility services, mobile communications and the internet, make transfers to other people, and do much more.
Thus, any debit card that has a physical medium can be used to solve the following tasks:
- For paying for goods and services in retail stores and online, as well as in catering establishments, entertainment complexes, and much more. That is, debit cards can be used anywhere there are payment terminals and where bank cards are accepted for payment.
- For withdrawing cash at ATMs. You can cash out a card at all self-service devices that provide this function. This can be convenient when it is not possible to pay with a card, and goods and services can only be paid for with cash.
- For transferring funds to other people. You can send money from a debit card both within your own bank and to clients of other credit institutions. You can do this through ATMs, bank branches, as well as in online banking and the mobile application.
- For paying bills and services. Using a bank card, you can conveniently pay for housing and utility services, mobile communications, and the internet right from home. You can do this through the mobile application, online banking, at ATMs, bank branches, and Russian Post, and at any other places where card payments are accepted.
Advantages and disadvantages of debit cards
Debit cards, as a banking tool, have their advantages. Among them, we can highlight:
- Security. Losing cash is much easier than losing a plastic card. Moreover, in case of loss, a card can be easily blocked or frozen. In this way, you can protect the funds in your account from theft.
- Convenience. With the advent of debit cards, the need to carry paper money and coins in a wallet has disappeared. In addition, cardholders always have the exact amount at hand, and there is no need to recalculate change from a large bill. Moreover, using debit cards protects against a cashier's error, who might give the wrong change or give a counterfeit bill.
- Speed of settlements. Paying with cards in stores is faster than with cash.
- Versatility. Debit cards can be used to pay for purchases both in rubles and in foreign currency. That is, cardholders do not need to exchange money, and conversion takes place without their participation.
- Profitability. Most banks motivate their clients to use debit cards much more often. Therefore, they accrue cashback for purchases—that is, they return part of the spent funds. Thus, holders can usually receive cashback of up to 30% or up to 50%. However, some banks are ready to return up to 100% of purchases, for example, Alfa-Bank.
- Round-the-clock access to the personal account. Cardholders can always pay for online purchases, withdraw or deposit cash, transfer money, or pay bills at any time of the day via online banking or the mobile application. There they can also check their balance, track payment history, and view analytics on expense items.
What to look for when choosing a free debit card
When choosing a debit card, you should first of all focus on your needs, as well as on how favorable the maintenance conditions offered by banks are.
Thus, to settle on a truly suitable option, we recommend paying attention to the following points:
- The cost of issuance and maintenance. It will be better if the card is free, or if the subscription fee is absent subject to simple conditions, for example, when making purchases in the amount of 5,000 RUB or more per month.
- The cost of additional services. As in the previous case, it would be ideal if the fee for them is absent altogether.
- The amount of commission for cash withdrawals and transfers. If the card is needed precisely for carrying out these operations, we recommend considering options that allow free cash withdrawals and transfers up to a certain amount per month.
- На бонусную программу и условия начисления кэшбэка. Некоторые банки предлагают действительно выгодную программу лояльности. Так, по дебетовой карте “Т-Банк Блэк” от Т-Банка Банка в месяц легко можно возвращать около 2-3 тысяч за покупки. По некоторым карточкам размер кэшбэка может быть и больше.
- Regarding the option to earn interest on the account balance. If a person has savings and wants to receive a small passive income from them, we recommend getting a debit card that provides interest on the balance. As a last resort, you can consider opening a savings account at the same bank where the card is issued.
Best Free Debit Cards in 2024
Today, the market offers numerous debit cards with a wide variety of maintenance terms. With so many offers, it can be difficult to choose a truly profitable option. For this reason, we suggest looking at the top 4 debit cards with free maintenance in 2024.
Kids debit card from Alfa-Bank 
My Life debit card from UBRD 
VTB Debit Card for Life 
Discount Everywhere debit card from MTS Bank “Т-Банк Блэк” от Т-Банка Банка
“Т-Банк Блэк” — это выгодная дебетовая карта от Т-Банка Банка. Стоимость ее обслуживания составляет всего 99 рублей в месяц. При этом держатели могут пользоваться карточкой бесплатно, если будут соблюдать одно из простых условий.
При желании можно подключить уведомления о поступлениях и расходных операциях. Стоимость этой услуги составляет 59 рублей в месяц для абонентов “Т-Мобайл” и 99 рублей в месяц для абонентов других мобильных операторов.
Что касается снятия наличных, бесплатно обналичивать карточку можно на сумму до 500 тысяч рублей в месяц в банкоматах Т-Банк, а также от 3 тысяч за операцию и до 100 тысяч рублей в месяц в банкоматах других кредитных организаций. Бесплатно переводить деньги клиенты банка могут через Систему быстрых платежей на сумму до 5 миллионов рублей в месяц и по номеру карты на сумму до 20 тысяч рублей в месяц.
По карте действует выгодная бонусная программа. Так, держатели могут выбрать до четырех категорий повышенного кэшбэка и получать по ним от 1% до 15% от стоимости покупок. Еще до 30% предусмотрено по спецпредложениям от Т-Банка Банка.
Приятным бонусом является начисление 5% годовых на остаток по карте. Так, банк начисляет этот процент на сумму до 300 тысяч рублей при наличии подписки “Т-Банк Про” и при совершении покупок на сумму от 3 тысяч рублей в месяц.
"Alfa-Karta" by Alfa-Bank
The Alfa-Karta debit card from Alfa-Bank offers free maintenance without any additional conditions. As in the previous case, cardholders can optionally enable transaction alerts. The cost of this service is 99 RUB per month.
Так же как и по карте “Т-Банк Блэк”, по Альфа-Карте предусмотрено бесплатное снятие наличных. Держатели этой карточки могут без комиссии обналичивать до 50 тысяч рублей в месяц в банкоматах других кредитных организаций. Что касается переводов, здесь они бесплатные без ограничений при оплате подписки стоимостью 149 рублей в месяц или при совершении покупок на сумму от 10 тысяч рублей в месяц.
The bonus program here is similar. Cardholders can choose up to four enhanced cashback categories and earn from 1% to 5% back on purchases. Alfa-Bank also awards up to 50% for paying for goods and services with bonus program partners. In addition, every month cardholders can participate in a super-cashback draw, which can reach up to 100%.
The Alfa-Karta does not provide interest on the account balance. However, if cardholders wish to earn a small percentage on their savings, they can open an Alfa-Savings Account. Currently, its yield is up to 16% per annum.
Card for Life from VTB
As in the previous case, maintenance for the Card for Life from VTB is always free with no conditions. The cost of notifications for deposits and withdrawals is 79 RUB per month.
Free cash withdrawals here are provided only for VTB payroll clients. They can withdraw up to 50,000 RUB per month commission-free at ATMs of any credit institution. For everyone else, this service is paid. As for transfers, you can send money for free to clients of other banks via the Faster Payments System up to 100,000 RUB per month.
The bonus program here is quite non-standard. VTB awards 2% of the spent amount for purchases in supermarkets, public transport, and taxis, as well as in cafes and restaurants. Another 2% is provided for paying for goods in pharmacies, but only for the bank's payroll clients. In addition, VTB awards up to 50% of the spent amount for purchases at partner stores of the Multibonus loyalty program.
As in the previous case, the card does not provide interest on the account balance. Therefore, to earn additional income, you can open a VTB Savings Account. Currently, its yield is also up to 16% per annum on the daily balance.
My Life from UBRD
As in the previous case, maintenance for this card is always free without meeting any conditions. If desired, cardholders can enable transaction notifications. The cost of this service is 99 RUB starting from the second month of use.
The My Life card also provides free cash withdrawals. Cardholders can withdraw cash from the account at ATMs of any credit institution without commission up to 100,000 RUB per day for the first two months without additional conditions, and thereafter when making purchases of at least 5,000 RUB per month. Free transfers here are only available by phone number via the Faster Payments System up to 100,000 RUB per month.
The bonus program here is quite standard. Cardholders can choose up to three enhanced cashback categories and earn from 1% to 5% back on purchases. The bank also awards up to 35% for paying for goods and services at partner stores.
In addition, you can get 10% of the spent amount for public transport trips for UBRD payroll clients, as well as 5% for online purchases with the More Pluses option enabled.
As in previous cases, the card does not provide interest on the account balance. However, cardholders can additionally open a savings account with a yield of up to 16% per annum using the More Pluses option.
Conclusion
Подведем итоги. При таком большом количестве предложений на рынке дебетовая карточка должна быть не только удобным, но и выгодным финансовым инструментом. Если вы только планируете открывать карту, то при ее выборе мы рекомендуем в первую очередь отталкиваться от собственных потребностей. Так, если вы открываете карточку для того, чтобы часто снимать с нее наличные и переводить деньги другим людям, лучше будет обратить внимание на варианты, по которым предусмотрены бесплатные операции на определенную сумму в месяц. Если вы просто хотите получать выгоду со своих повседневных покупок, мы советуем рассмотреть карточки с выгодной программой лояльности. Например, “Т-Банк Блэк” от Т-Банка Банка или “Альфа-Карту” от Альфа-Банка. Если у вас есть собственные накопления и вы хотите получать с них небольшой процент, лучше будет рассмотреть банк, который начисляет процент на остаток по карточке или дает возможность открытия накопительного счета.
