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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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In 2022, when the Visa and MasterCard payment systems suspended operations in Russia, almost all banks switched to issuing MIR cards. You can use them just like any other cards: to receive salaries and social benefits, deposit and withdraw cash, pay for purchases in stores and online, make transfers, and much more.
Features of MIR debit cards with cashback
First, the main feature of such cards is that they are serviced by our national payment system, MIR. This allows cardholders to receive their salaries on the card and make transfers from it without worrying about the security of their funds.
Another feature of MIR debit cards is accessibility — unlike Visa, MasterCard, and UnionPay, you can get such cards at any bank that serves retail customers.
The third feature of MIR debit cards with cashback is a special bonus program from the payment system. This means the cardholder can receive both purchase bonuses from the bank itself and from the MIR payment system. In addition, owners of such cards are eligible for special discounts from bonus program partners. For example, there is currently a 10% discount on purchases at Lenta stores.
Which banks offer MIR debit cards with cashback in 2024
As we mentioned, you can get such a card at any Russian bank that serves retail customers. We recommend paying attention to the following MIR cards with cashback:
Kids debit card from Alfa-Bank 
VTB Debit Card for Life Who can get a MIR debit card with cashback
Any adult citizen of the Russian Federation with permanent or temporary registration in Russia can get such a card. Usually, providing just a Russian passport is enough to get the card. In some cases, additional identity documents may also be required, such as a SNILS.
How to get a card in 2024
Almost any debit card can be obtained in two ways: directly at a bank branch or on the financial institution's website. In the first case, it is enough to visit the credit institution's office during business hours with your passport.
To apply online, you typically need to:
- go to the debit card application page on the bank's website;
- fill out a short form providing your full name, passport details, registered address, and actual residential address;
- specify the date, location, and time for meeting a courier, or the branch address where the card should be delivered.
Before applying for a card, we recommend reviewing offers from various financial institutions to help you choose the most profitable and suitable option.
Pros and cons of MIR debit cards with cashback
Among the advantages of such cards, we can highlight first of all the security of payments and transfers, since they are serviced by Russia's national payment system, MIR. It is also worth noting the possibility for public sector employees to receive salaries, pensions, and other social benefits—since 2020, such payments can only be made to cards of this payment system. The third advantage is that you can get such a card at absolutely any bank that serves retail customers, which cannot be said for Visa, MasterCard, and UnionPay. Another plus is the opportunity to receive not only cashback and discounts from the bank itself, but also from the MIR payment system.
These cards probably have only one disadvantage — the inability to use them in most countries.
