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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.
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A debit card is a convenient and profitable tool. With it, you can pay for purchases in stores and online, withdraw cash, send funds to other people, pay bills, mobile communications, and internet services, etc. There are many debit card offers on the market, and most of them have favorable maintenance terms. We explain what to look out for when choosing a debit card and how to apply for it without visiting a bank.
What to look for when choosing a debit card?
You can apply for a debit card at any bank. However, not all credit institutions offer favorable maintenance terms. Therefore, we recommend starting from your own needs and preferences. We explain how to choose a debit card.
Issuance and Maintenance
In most credit institutions, card issuance is free of charge. However, there are still banks that charge an additional fee for issuance, usually when it comes to premium cards or the UnionPay payment system.
Debit card maintenance is usually paid — holders must pay a monthly or annual fee for it. Nevertheless, cardholders can use them for free if they meet the free-maintenance conditions, such as making a certain amount of purchases per month or maintaining a minimum balance not lower than the established limit.
Additionally, cardholders have to pay for card maintenance if they connect additional services, such as notifications about deposits and withdrawals, or insurance for funds in the account. Usually, the cost of such options ranges from 49 to 199 RUB per month.
Cash withdrawal
With any card, you can withdraw cash for free at the ATMs and cash desks of the banks that issued them. However, this is not always convenient. When money is needed urgently, there is no time to look for a suitable device or branch. Therefore, it is better to get cards that allow cash withdrawals at ATMs of any bank, or at least at partner bank devices.
Transfers
From all debit cards, you can transfer money for free to your own accounts opened in other banks, up to 30 million per month. You can send money without commission to other clients of the credit institution that issued the card.
Also, from many debit cards, you can transfer money to clients of other banks by phone number via the Faster Payments System for free. Usually, the limit for such operations is only 100,000 per month, but some banks set less strict restrictions.
Cashback on purchases
Currently, almost all banks have profitable loyalty programs, and by paying with cards, you can get good cashback for purchases. We recommend paying attention to cards that allow you to choose categories for increased rewards every month. In this case, cashback accumulates faster.
Interest on balance
If a person does not spend their salary entirely and saves money for specific needs, it would be better to consider cards that provide interest on the account balance. Then the holder can receive a small passive income from their savings.
Alternatively, you can consider savings accounts with a good interest rate on the daily or average account balance. Thanks to the fact that it is now possible to transfer money between your accounts up to 30 million per month, the owner will not even have to pay a commission for sending funds to other banks.
Delivery
Currently, in almost all banks, you can order a debit card with home delivery. This is convenient if the credit institution's branch is far from home or work, and the future holder does not want to waste time getting to the office. Such a service can also be useful if a person cannot leave the house for some reason.
What should you look for when choosing a bank?
When choosing a debit card, you should pay attention not only to its maintenance terms, but also to the bank that issues it. We recommend taking into account the following nuances:
- Presence of a license to issue and service debit cards. You can check information on whether a credit institution holds a license on the official website of the Central Bank of Russia.
- Branch network. It is better if the financial institution has a developed network of offices. Then the holder will not have to waste time getting to a branch if a situation arises that needs to be resolved in the presence of a company representative.
- ATM network. It is better if the chosen bank has a large ATM network. In the future, this will make customer service more convenient; for example, they will not have to search long for a self-service device to urgently withdraw cash from the card.
- Customer reviews. When choosing a bank, we strongly recommend reviewing the feedback and complaints of other debit card holders. This will help you learn about the pitfalls and difficulties you may encounter when applying for and using the card.
Smart Mir debit card from Gazprombank 
Alfa Travel Debit Card from Alfa-Bank 
SberCard Debit Card from SberBank 
MTS WEEKEND debit card from MTS Bank 
Pribyl debit card from Uralsib 
My Life debit card from UBRD 
Your Cashback debit card from Promsvyazbank 
VTB Debit Card for Life How to apply for a debit card without visiting a bank?
To do this, you need to:
- Study offers from various credit institutions. At the same time, we recommend paying attention to the cost of issuance and maintenance, terms for cash withdrawals and money transfers to other banks, the bonus program, and the possibility of earning interest on the balance.
- Fill out an application for the card. This can be done on the credit institution's official website or via a convenient mobile app. You will need to complete a short questionnaire with your full name, passport details, and addresses of registration and actual residence.
- Choose the date, time, and location for the meeting with the courier.
- Meet with the bank's representative and sign the service agreement.
- Activate the card.
Which banks allow you to apply for a debit card online in 2024?
| Name | Issue fee | Servicing | Transaction alerts | Cash withdrawals at other banks' ATMs | Transfers to other banks | Cashback | Interest on balance |
|---|---|---|---|---|---|---|---|
| "SberCard Credit" from Sberbank | free | 99 RUB per month or free of charge if maintaining a balance of 50,000 RUB or more across accounts, if you have a loan with T-Bank linked to this card account, under tariff plan 6.2, upon receiving your salary on the card, or with a "Pro" subscription | 59 RUB per month for T-Mobile numbers or 99 RUB per month for other numbers | free for transactions from 3,000 RUB up to 100,000 RUB per month, thereafter subject to a 2% fee, with a minimum of 90 RUB | free up to 5 million RUB per month via the Faster Payments System and up to 20,000 RUB per month by card number, thereafter subject to a 1.5% fee, with a minimum of 30 RUB | up to 15% for purchases in categories, up to 30% for purchases in partner stores | none |
| Card for Life from VTB | free | free | 79 RUB per month | free up to 50,000 RUB per month when receiving a salary on the card, otherwise subject to a 1% fee, with a minimum of 300 RUB | free up to 100,000 RUB per month via the Faster Payments System, thereafter subject to a 0.5% fee, up to a maximum of 1,500 RUB; transfers by card number are subject to a 1% fee, with a minimum of 50 RUB | up to 25% for purchases in categories, up to 50% for purchases at partner stores | none |
| "Black" by T-Bank | free | 590 RUB per year or free with a "Pro" subscription | 99 RUB per month | free up to 100,000 RUB per month, thereafter subject to a 1.99% fee, with a minimum of 199 RUB | free up to 100,000 RUB per month via the Faster Payments System, thereafter subject to a 0.5% fee, up to a maximum of 1,500 RUB; transfers by card number are subject to a 1.95% fee, with a minimum of 30 RUB | up to 5% for purchases in categories, up to 50% for purchases in partner stores, up to 100% for purchases in super cashback categories | none |
