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Credit Europe BankAlfa-Bank Only Alfa-Card debit card
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Articles about debit cards
About the card
The premium card from Alfa-Bank, "Alfa-Card Premium", is just what affluent clients need. With it, cardholders can withdraw cash and transfer money to other banks at any time without restrictions, and receive lucrative cashback on purchases. Clients also enjoy personalized service, complimentary restaurants, and access to airport business lounges.
Brief tariff overview
| Card type | Premium |
| Payment system | MIR |
| Currency | Ruble |
| Payout method | At bank branches or delivered by courier to your home |
| Delivery time | From 1 days |
| Servicing | From 0 to 2,990 RUB per month |
| Transaction alerts | Free |
| Free top-up | In cash at Alfa-Bank ATMs;
in cash at partner bank ATMs; by transfer between your own accounts; transfer by bank card number; transfer by phone number via the Faster Payments System; bank account transfer |
| Free cash withdrawals | At ATMs of any banks without restrictions |
| Free transfers | Between own accounts;
to other Alfa-Bank clients; to clients of other banks via the Faster Payments System without limits; to clients of other banks by card number without limits |
| Cashback on purchases | 7% in 4 categories and 1% on everything else;
up to 100% cashback in a random category; up to 50% cashback for purchases from partners |
| Interest on balance | None |
| Overdraft | None |
| Age | From 18 years |
Terms
A future cardholder can get the card for free. They also will not have to pay a reissue fee if the card expires. The annual maintenance fee for the card is 2990 RUB per month. Using the card can be free if the cardholder meets at least one free-maintenance condition:
- maintain a minimum balance of 3 million RUB or more across accounts opened with Alfa-Bank;
- maintain a minimum balance of 1.5 million RUB or more across accounts opened with Alfa-Bank and spend more than 100000 RUB per month;
- receive a salary of more than 400,000 RUB per month through the Alfa-Bank service.
Additionally, Alfa-Bank clients can enable transaction alerts. This service is always free.
Cardholders can top up the Alfa-Card Premium debit card for free via transfers between their own accounts, as well as in cash at ATMs of Alfa-Bank and partner banks. They can also do this in the following ways:
- transfer by bank card number;
- transfer by phone number via the Faster Payments System;
- via a bank account wire transfer.
The bank charges no commission for cash withdrawals — cardholders can withdraw cash at any bank for free and without limits.
The bank charges no commission for transfers between own accounts and to other Alfa-Bank clients. Cardholders can also send funds for free to cardholders of other banks by phone number via the Faster Payments System and by card number without limits.
A standard loyalty program applies to the Alfa-Card Premium card:
- Cardholders can earn 1% on regular purchases if they select the corresponding enhanced cashback category;
- 7% for purchases in four selected enhanced cashback categories;
- 33% for purchases at Alfa-Bank partner stores.
The maximum cashback amount you can receive is 15,000 bonus rubles. They are paid out in real rubles by the 10th day of the month following the billing month. The earned cashback can be spent on absolutely any purpose.
Alfa-Bank does not accrue interest on the balance of the Alfa-Card Premium debit card. If cardholders want to earn additional income from their savings, they can open an Alfa-Account savings account and earn up to 14% per annum.
| Pros | Cons |
| The bank charges no fee for card issuance and reissuance upon expiration | If the conditions for free maintenance are not met, cardholders will need to pay an annual maintenance fee of 2,990 RUB per month |
| Cardholders do not need to pay for annual maintenance if they meet at least one of the conditions for free service | Alfa-Bank does not accrue interest on the card balance — to earn income, cardholders need to open a savings account |
| If necessary, the bank delivers the card free of charge via courier to any location convenient for the cardholder | |
| Cardholders can top up their cards for free at partner bank ATMs | |
| The bank charges no commission for cash withdrawals — users can do this at any bank's ATMs without limits | |
| Cardholders can also transfer money by phone number and card number without amount limits | |
| Cardholders can earn up to 33% cashback for purchases at partner stores, 7% for purchases in selected enhanced cashback categories, and 1% for regular purchases |
How to apply
You can apply for the Alfa-Card Premium card in two ways. First, you can do this at an Alfa-Bank branch. To do this, cardholders need to visit an office during business hours with a Russian internal passport. You can also apply for a card online — on the official Alfa-Bank website or in the mobile app. To do this, users need to go to the card application page and click the "Order Card" button there.
In the form that opens, clients will need to enter their surname, first name, and patronymic, date of birth, mobile phone number, and email address. They will also need to click the "Continue" button.
Next, you need to confirm your phone number by entering the code sent via SMS. After that, cardholders need to specify an address, create and enter a codeword, and click the "Order Delivery" button.
Rates
at third-party bank ATMs — free of charge
for other Alfa-Bank clients — free of charge;
to clients of other banks by phone number via the Faster Payments System — free of charge;
To clients of other banks by card number: free of charge
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