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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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Some banks mention a profitable interest rate on the account balance in their debit card ads. Let's talk about what this is, under what conditions it is accrued, and how cards with interest differ from a regular deposit.
What is interest on account balance on a card?
Interest on account balance is a reward for the cardholder meeting certain conditions: maintaining a minimum required amount in the account, making the required number of purchases per month, and receiving regular deposits to the card.
At the same time, such cards are no different from regular ones. You can use them to pay for purchases online and in stores, withdraw cash, transfer money to other people, pay for utilities, mobile communications, internet, and so on.
The only difference is that such cards provide interest on the minimum balance.
How do banks accrue interest on the account balance of a debit card?
Banks accrue interest on the card's balance using one of the following schemes:
- On the minimum amount for the month. Here is an example. For 28 days, the cardholder kept at least 100 thousand rubles in the account. And on the 29th day, they withdrew 85 thousand rubles. At the end of the month, they will receive interest on the balance based on 15 thousand rubles. At the same time, it does not really matter how long the person withdraws this money — even if they return the funds to the account within a few minutes, the bank will accrue interest on the minimum amount for the month.
- On the average amount for the month. In this case, the bank will record the balance at the beginning of each day of the reporting period. And at the end of the month, it will add up the results and divide by the number of days.
- On the daily amount. As in the previous case, the bank will record the balance in the account every day. But it will calculate the interest on the balance not at the end of the month, but immediately. To do this, it will divide the annual interest rate by 365 days and multiply by the amount on the card account balance.
Most banks do not accrue interest on the balance just like that. Usually, to receive it, the cardholder must follow certain conditions:
- Maintain a minimum balance on the card account. For example, Gazprombank accrues interest on the Smart Mir Card if the amount on it is at least 30 thousand rubles.
- Совершать покупки на определенную сумму в месяц. Например, Т-Банк начисляет процент на остаток по карточке “Т-Банк Блэк”, если человек совершает покупки на общую сумму не менее 3 тысяч рублей в месяц. А в Совкомбанке наиболее выгодные условия предусмотрены для держателей, которые рассчитываются карточкой не менее 5 раз за отчетный период на общую сумму не менее 10 тысяч рублей.
- Receive deposits of a certain amount per month. Some banks accrue interest on the balance only if the cardholder receives wages, social benefits, or a pension of a certain amount. For example, at least 18 thousand rubles per month.
- Подключить платную подписку или сервис. Приведем пример. Т-Банк начисляет процент на остаток при подключении подписки “Т-Банк Pro”. Газпромбанк — при подключении сервиса “Газпромбанк Привилегии”. А Совкомбанк предлагает выгодные условия с подпиской “Халва.Десятка”.
How does interest on account balance differ from a deposit?
Despite the fact that a deposit and a card with interest on the balance are intended to generate a small income from savings, they have many differences:
- Cash withdrawal restrictions. Most banks do not allow withdrawing money from a deposit until its maturity. Even partial withdrawal of funds leads to recalculation of interest at the "on-demand" rate. Usually, it is 0.01% per annum. You can withdraw money from the card at any time. The interest rate remains unchanged. However, keep in mind that most banks accrue interest on the minimum balance.
- Interest payout. In the case of a deposit, this happens at the end of the agreement term. Banks accrue income on the card every month.
- Replenishment restrictions. Some banks do not allow replenishing a deposit even by 1 thousand rubles. Some credit institutions have a minimum amount that must be deposited into the deposit. You can replenish a debit card at any time without losing the interest rate.
- Interest rate change. For a deposit, it is fixed for the entire term of the agreement — the yield will not change even if the Central Bank's key rate drops. As for a debit card, the bank can change the yield on it at any time unilaterally. At the same time, the credit institution is not obligated to notify cardholders about changes in terms. Therefore, you need to track the current interest rate yourself.
- Time limit. You can open a deposit only for a specific period. For example, for 3 months or 1 year. You can keep money on a debit card indefinitely. That means you can withdraw it on any convenient day.
Where to get a debit card with interest on account balance in 2024?
Not all banks are ready to pay interest on the balance of a debit card. So you don't have to search for a card that suits your conditions, we have selected three profitable offers from reliable banks.
“Т-Банк Блэк” от Т-Банка Банка
Issuance: free
Maintenance: 99 руб/мес или бесплатно при поддержании остатка на счетах от 50 тысяч рублей, при оформленном кредите в Т-Банке на этот карточный счет, при тарифе карты 6.2 или с подпиской “Т-Банк Pro”
Transaction alerts: 59 RUB/month for T-Mobile numbers or 99 RUB/month for other numbers
Cash withdrawals at ATMs of other banks: free from 3 thousand rubles per transaction up to 100,000 RUB/month, thereafter with a 2% commission, but not less than 90 rubles
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 a 1.5% fee with a minimum of 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
Gazprombank Smart MIR Card
Issuance: free
Maintenance: free
Transaction alerts: 99 RUB/month starting from the third month
Cash withdrawals at ATMs of other banks: free up to 200 thousand rubles per month with privileges or up to 100,000 RUB/month without it, thereafter with a commission from 1%, but not less than 300 rubles
Transfers to other banks: free up to 150 thousand rubles per month via the Faster Payments System with the Gazprombank Privileges service or up to 100,000 RUB/month without it, thereafter with a 0.5% commission, but not more than 1.5 thousand rubles, free up to 30,000 RUB/month with Gazprombank's service, otherwise with a 1.5% commission, but not less than 50 rubles
Cashback: up to 2% for regular purchases, up to 5% for purchases in categories, up to 50% for purchases in partner stores
Interest on balance: 10% per annum on the balance from 30 to 100 thousand rubles with the Gazprombank service enabled
"Pribyl" from Uralsib
Issuance: free
Maintenance: 99 RUB/month or free of charge when making purchases from 3,000 rubles per month or with incoming deposits from 20 thousand RUB/month
Transaction alerts: 99 RUB/month starting from the third month
Cash withdrawals at ATMs of other banks: with a 1% fee, but not less than 199 rubles
Transfers to other banks: free up to 100,000 RUB per month via the Faster Payments System, then with a 0.5% fee, but no more than 1,500 RUB; via card number with a 1.5% fee, but no less than 75 RUB
Cashback: up to 3% for regular purchases subject to conditions, up to 30% for purchases at partner stores.
Interest on balance: up to 14% per annum on the balance up to 500,000 rubles
My Life debit card from UBRD 
VTB Debit Card for Life 
Discount Everywhere debit card from MTS Bank Conclusion
To sum up. A card with interest on account balance is a good option for those who want to earn a small income from savings, but cannot or do not want to open a deposit. However, when choosing a card, we recommend studying the conditions for yield accrual more carefully.
