Debit cards online + 7 most profitable products from banks

Which debit card is best to choose in 2024

Before applying for a debit card online, decide on a few nuances.

Which bank to choose

To choose a bank, you need to consider:

• Position in the reliability rating.
• Number of branches across the country (if this matters to you).
• Availability of modern communication methods if there are no physical branches.
• Reviews from debit card holders.

Please note! When reviewing bank ratings, it is best to pay attention to lists compiled by accredited rating agencies. International agencies include Standard & Poor’s (S&P), Moody’s, and Fitch. Russian agencies include Rus-Rating and NRA.

If desired, you can check bank assets. For example, as of October 2024, Sberbank has +4.03%, and VTB has +1.21%. Growth was noted at Gazprombank, Sovcombank, and T-Bank.

Experts advise paying attention not only to the top-ranked banks, but also to those lower down the list. To attract and retain customers, they may offer debit cards online on more favorable terms.

Additional parameters for debit cards

Before ordering cards online, decide on other parameters.

• Payment system

The most popular are MIR and UnionPay. The MIR payment system card is only suitable for use within Russia. If you like traveling abroad, choose UnionPay.

Please note! Currency conversion fees are most often charged. Check this detail with your bank.

• Standard or Gold

Standard plastic cards provide a basic set of services. Gold cards offer expanded features, such as fee-free cash withdrawals, discounts on purchases at certain stores, or when visiting cafes and restaurants.

Good to know! Many standard debit cards come with free maintenance. Gold cards carry a high maintenance fee.

• Security level

The most reliable option is a magnetic stripe + chip combined. Plastic cards equipped only with a stripe have a severe vulnerability and are frequently counterfeited by fraudsters. Cards with an electronic chip are difficult to counterfeit.

• Management of card transactions

Financial institutions adapt to customer needs and make every effort to ensure convenient cooperation. Using online banking or a mobile app, you can register from anywhere and apply for a debit card online. They allow you to quickly top up the card and pay for services or purchases. They allow you to quickly top up the card and pay for services or purchases. Many institutions boast a mobile bank. Among them are Sberbank, Alfa-Bank, T-Bank, and Russian Agricultural Bank.

• Additional features of debit cards

A debit card is not just plastic used instead of a wallet. It is a product that can generate income for you, including passive income. You can receive interest on the account balance, as well as earn on cashback from purchases. Interest rates vary and are set by banks. There are cards that allow opening savings accounts.

Please note! To receive cashback or interest on the balance, certain conditions must be met. For example, making purchases for a specific amount or keeping a certain amount of money on the card.

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The most profitable products from banks. A brief overview of 7 debit cards

Bank name	Card name	Annual fee	Cashback	Interest on balance	No-fee cash withdrawals	Overdraft availability
T-Bank	Tinkoff Black	free of charge	Up to 30 %	No	free of charge	Yes
Gazprombank	Smart Card UnionPay	free of charge	Up to 50 %	Up to 5 %	free of charge	0.1% per day
Alfa-Bank	Alfa-Card	free of charge	Up to 50 %	No	free of charge	No
VTB	Card for Life	free of charge	Up to 30 %	No	free of charge	No
Fora-Bank	All Inclusive	99 RUB	Up to 35 %	Up to 8 %	free of charge	0.1% per day
Sberbank	SberKarta	150 RUB	Up to 70 %	No	free of charge	No
Uralsib	Profit	99 RUB	Up to 3 %	Up to 16 %	free of charge	No

 

How long does it take to review an application

Fast application review is the main advantage when applying for a debit card online. The review time depends on the bank, but usually takes from 2 to 5 minutes. After submitting the application, the financial institution checks the correctness of the completed form and makes a decision.

If you want to apply online for a higher-tier debit card (Gold or Platinum), the application review takes 10 to 15 minutes. According to cardholders' reviews, the decision on the Sberbank Gold card can take up to one week.

Why some clients get rejected: reasons

Compared to credit cards, the number of rejections for debit cards is minimal. Rejections occur for citizens with an expired passport or those not residing at the location of the financial institution. You can also be rejected if your age does not meet the established requirements.

Take note! There is a ban on using debit cards for entrepreneurial purposes or conducting prohibited operations (laundering of criminal proceeds).

Since banks rarely issue rejections, but you received a "no" response, the reason for this decision usually lies in non-compliance with the requirements established by the financial institution.