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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, many cards offer favorable service terms. Customers can not only use basic payment functions, but also receive various bonuses and rewards. Let's discuss what to look for when choosing a debit card and bank, and where to apply for a profitable card in 2024.
What to look for when choosing a debit card?
To make a card profitable, you need to determine what purposes you need it for, what transactions you plan to make and how frequency, and what matters in card maintenance. Let's look at the main criteria that are important when choosing a product.
Servicing
Some banks set an annual card maintenance fee. This means that a certain amount will be automatically debited from the account every month or year. In addition to maintenance, banks may charge for additional services. For example, for SMS alerts on transactions.
Some cards offer free maintenance subject to certain conditions. If it is important for you that the debit card is free, you should pay attention to such offers, as well as decline unnecessary services. For example, transaction notifications, insurance, and so on.
Cash withdrawals at other banks' ATMs
All banks allow free cash withdrawals at their own ATMs. However, it is not always convenient to search for devices of the credit institution where you are serviced. Therefore, it is better if free cash withdrawals are also possible at ATMs of other banks.
Transfers to other banks
Almost all banks allow free money transfers of up to 100,000 RUB per month via the Faster Payments System. In some institutions, this limit is higher. It would be nice if free transfers were also possible by card number.
Cashback
Now many banks offer profitable bonus programs. But we recommend considering cards that provide cashback for purchases in categories. Then you can choose which specific purchases you will receive increased rewards for.
Interest on balance
If you have your own savings and want to receive a small income, we recommend considering cards with interest on the balance. Then you can keep money in your card account and receive a small interest for it. As a last resort, you can open a savings account and transfer money to it without commission.
How to choose a bank to open a debit card?
Not only the debit card should be convenient, but also the bank that issued it. Therefore, when choosing a credit institution, we recommend paying attention to:
Having a license to conduct operations. You can clarify this information on the Central Bank of Russia website.
ATM network. There should be many of them. This is important if the card does not provide free cash withdrawals at devices of other organizations.
Convenience of internet banking and the mobile app. This is necessary if you want to remotely manage your account and access it at any time.
Additional features. For example, withdrawing cash from cards at ATMs abroad, or paying for purchases in foreign online stores.
Where to apply for a profitable debit card in 2024?
Многие банки предлагают оформить дебетовые карты на хороших условиях. Мы же рекомендуем обратить внимание на предложения от Т-Банка, Альфа-Банка и Газпромбанка.
“Т-Банк Блэк” от Т-Банка Банка
Issuance: free
Maintenance: 99 рублей в месяц 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 per 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/month, thereafter 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: 5% per annum on the balance up to 300,000 RUB when making purchases from 3,000 RUB per month
"Alfa-Karta" by Alfa-Bank
Issuance: free
Maintenance: free
Transaction alerts: 99 RUB per month
Cash withdrawals at ATMs of other banks: free up to 50,000 RUB per month, then a 1.99% fee with a minimum of 199 RUB
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
Gazprombank Smart MIR Card
Issuance: free
Maintenance: free
Transaction alerts: 99 RUB per month starting from the third month
Cash withdrawals at ATMs of other banks: free up to 200,000 RUB per month with the Gazprombank Privileges service or up to 100,000 RUB per month without it, thereafter with a commission from 1%, but not less than 300 RUB
Transfers to other banks: free up to 150,000 RUB/month via the Faster Payments System with privileges or up to 100,000 RUB/month without it, thereafter with a 0.5% commission, but not more than 1.5 thousand RUB, free up to 30,000 RUB/month with the Gazprombank Privileges service, otherwise with a 1.5% commission, but not less than 50 RUB
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 100,000 RUB with privileges
Kids debit card from Alfa-Bank 
My Life debit card from UBRD 
VTB Debit Card for Life 
Discount Everywhere debit card from MTS Bank Conclusion
Let's summarize. A debit card can be not only a convenient, but also a profitable payment tool. If you want to get the maximum benefit from your card, it is important that you can use it for free, withdraw money at ATMs and transfer it to clients of other credit institutions without commission. As well as receive cashback for purchases and interest on the balance of your own funds.
Answers to frequently asked questions
Finally, let's answer the most frequently asked questions.
How can you apply for a card?
It is not necessary to visit a bank branch for this. You can apply online on the credit institution's website or in the mobile application. To do this, you need to fill out a short application form and choose a delivery method for the plastic card.
Who can get a card?
Banks do not have special requirements for future debit card holders. But in most cases, you need to have Russian citizenship and be over 18 years old.
What payment system card can you get?
Currently, almost all banks issue Mir payment system debit cards. In rare cases, you can also apply for Visa, MasterCard, or UnionPay.
