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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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Today, most banks have stopped issuing debit cards with an unusual, custom appearance. However, there are still financial institutions that allow clients to choose their own design for their future card.
Benefits of debit cards with custom design
In essence, debit cards with custom design are no different from standard cards. However, they have their own advantages:
Individual and original design. The future cardholder can choose what it will look like themselves. For example, they can order a picture from their favorite cartoon or upload and set their own logo.
Versatility of use. A card with a custom design has the same functions as a regular card. That is, you can use it to pay for purchases in stores and online, make transfers to other people, withdraw cash, pay for utility bills, mobile operator and internet provider services, and so on.
Ease of use. The cardholder always has remote access to the account via their personal account in online banking or in a mobile app on their smartphone.
What to look for when choosing a debit card?
Despite the fact that there are not many offers on the market for debit cards with custom design, we do not recommend applying for the first card you come across. Doing so could cause you to miss out on a truly profitable option. Therefore, we have prepared criteria to look for when choosing the best debit card.
Issuance and annual maintenance
Most financial institutions do not charge for issuing a debit card. But do not forget that reissuing a card at the cardholder's initiative is almost always subject to a fee.
Also, most banks charge an additional monthly subscription fee for maintaining a debit card. At the same time, owners can use the card for free if they meet certain free-of-charge conditions. For example, by making purchases for a minimum monthly amount in RUB, or by maintaining a minimum monthly non-reducible account balance in RUB, or by purchasing a paid subscription.
In addition, banks usually charge a fee for SMS notifications about deposits and withdrawals. Typically, the cost of such a service ranges from 59 to 149 RUB per month. If the cardholder does not want to overpay for its use, they can decline all unnecessary options and look into offers with free annual maintenance.
Cash withdrawal
Most people have already switched to cashless payment for purchases and services. Nevertheless, cardholders sometimes need to withdraw cash, for example, when it is impossible to pay with a card.
All financial institutions provide free cash withdrawals through their own ATMs. But this is not always convenient, especially if the bank has an underdeveloped network of ATMs and branches, and you need to cash out the card urgently without time to search for a suitable self-service device.
Therefore, we recommend paying attention to cards that can be cashed out at ATMs of partner banks and third-party financial institutions.
Money transfers to other banks
Almost all banks allow money transfers to other banks by phone number via the Faster Payments System. Usually, the limit for such operations is 100,000 RUB per month, but at some financial institutions, this amount is higher.
For example, at T-Bank, you can transfer money to other financial institutions for free in amounts up to 5 million RUB per month. And at OTP Bank, this limit is 1 million RUB per month.
Also, some financial institutions allow sending money to other banks by card number without commission. For example, you can do this at the same T-Bank, where the limit for free transfers by card number is 20,000 RUB per month.
Bonus program
Today, almost all banks offer profitable bonus programs for debit cards. For example, some cards allow you to receive a fixed percentage on regular purchases and up to 30-50% for purchases at partner stores.
Other financial institutions allow you to choose certain elevated cashback categories monthly. Sometimes the reward on them reaches 25% of the cost of goods.
Interest on balance
If the cardholder does not spend all their salary down to zero and saves money for specific goals, we recommend considering cards that accrue interest on the balance. In this case, the card owner can earn a small income from their savings.
If the card does not support interest accrual on the balance, you can open a savings account with the same bank. In this case, we recommend choosing the financial institution that offers the most favorable terms.
Delivery
Now, most banks offer courier delivery of the debit card to your home or any other convenient address. This is convenient if the financial institution's branch is far from home or work, and the future cardholder does not want to or cannot spend time getting to the office.
Also, this service can be useful for pensioners or people with limited mobility.
How to choose a bank to open a debit card with a custom design?
When searching for the most profitable debit card with a custom design, you should pay attention not only to the card's maintenance terms, but also to the convenience of the financial institution itself and its reputation among clients. We have also prepared criteria to look for when choosing a bank.
Possibility of issuing a card with your own design
Not all financial institutions offer the opportunity to obtain a debit card with a custom design. Therefore, we recommend checking in advance whether you can issue a card with your own design by calling the hotline or visiting a branch.
Presence of a license
Not all lesser-known banks offering their services have permission to issue and service debit cards. You can check whether a financial institution has a license on the official website of the Central Bank of the Russian Federation.
Branch network
It is convenient if the financial institution has a large network of branches. Then the cardholder will not have to waste time getting to the office if any controversial situation arises that needs to be resolved in the presence of an employee.
ATM network
It is also convenient if the bank has a large ATM network. In the future, this will simplify servicing at the financial institution. For example, if the cardholder urgently needs to withdraw cash or perform a transaction, they will not have to spend a long time searching for a self-service device.
Additional features
Here we are talking about additional options such as withdrawing cash from ATMs abroad or paying for purchases in foreign online stores. This also includes the possibility of connecting an overdraft.
Customer reviews
When choosing a financial institution, we recommend reading reviews and complaints from other debit cardholders. This will help you learn about potential difficulties and pitfalls you may face when applying for and using a debit card.
Where to get a debit card with your own design in 2024?
As we mentioned above, not all banks allow you to apply for a debit card with your own design. We studied the terms at various financial institutions and selected the top 3 banks where you can issue your own card with a custom design in 2024.
“Т-Банк Блэк” от Т-Банка
Issuance: free
Maintenance: 99 руб/мес или бесплатно при поддержании остатка на счетах от 50 000 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 3,000 RUB per transaction up to 100,000 RUB per month, then with a 2% commission, but not less than 90 RUB
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: none
"Alfa-Karta" by Alfa-Bank
Issuance: free
Maintenance: free
Transaction alerts: 99 RUB/month
Cash withdrawals at ATMs of other banks: free up to 50,000 rubles per month, thereafter with a 1.99% commission, but not less than 199 rubles
Transfers to other banks: free up to 100,000 RUB per month via the Faster Payments System, then a 0.5% fee capped at 1,500 RUB; by card number with a 1.95% fee with a minimum of 30 RUB
Cashback: up to 5% for purchases in categories, up to 50% for purchases in partner stores, up to 100% for purchases in super cashback categories
Interest on balance: none
"Pribyl" from Uralsib
Issuance: free
Maintenance: free
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% subject to conditions
Interest on balance: up to 14% per annum on the balance up to 500,000 RUB per month for the first month without conditions, then with purchases from 10,000 RUB per month
Kids debit card from Alfa-Bank 
My Life debit card from UBRD 
VTB Debit Card for Life 
Discount Everywhere debit card from MTS Bank 
