MIR card for benefits

What is a MIR card?

MIR cards are debit and credit cards as we classically understand them. Their only difference is that they are serviced by the national payment system MIR, not Visa or MasterCard.

Otherwise, they are the most ordinary cards. You can use them to pay online and in regular retail stores, withdraw cash, make transfers, pay bills, and so on.

Why is such a card needed?

First and foremost, the state created its own payment system to protect citizens receiving budget-funded payments. At the time, this measure was merely a safeguard against potential sanctions. Today, these cards are effectively the only way to make cashless payments abroad.

Although Visa and MasterCard payment systems still operate in Russia, certain payments can only be received on MIR cards. These include:

• Pensions and other social benefits from the Pension Fund of Russia;
• One-time childbirth allowance;
• Maternity and pregnancy allowance;
• Childcare allowance;
• Unemployment benefits;
• Radiation exposure benefits;
• Monthly payments for children aged 3 to 7;
• Allowances for pregnant women;
• Monthly payments for children aged 8 to 17;
• Monthly payments for the first and second child under 3 years old.

Currently, these payments cannot be received on cards from other payment systems; the bank will return the funds to the sender if it does not find a suitable account for credit. In that case, you will have to create a separate account with deposit and withdrawal capabilities or open a MIR card to receive the money. The money will not be lost, but the process will take quite some time.

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How else can you receive benefits if you don't have a MIR card?

If you do not have a MIR card and cannot obtain one, you can receive social benefits through other methods:

• To an account with deposit and withdrawal capabilities that is not linked to any cards;
• By postal money order.

Please note that allowances for pregnant women and for children aged 8 to 17 can only be received on a MIR account or card.

What categories are MIR cards divided into?

The variety of MIR cards is not yet very large, as the payment system was launched relatively recently. We are confident that the list of available categories will expand soon, but for now, you can apply for the following cards:

1. Social cards for receiving pensions and benefits. These cards have very limited functionality as they are intended only for receiving payments. You can still use them to pay for purchases, withdraw cash, and make transfers, but you likely will not receive cashback or interest on the account balance.
2. Payroll cards. Standard cards for receiving your salary. The terms are slightly more attractive, as banks offer beneficial cashback for regular card usage.
3. Premium cards. These offer the most favorable terms, including higher transaction limits, better cashback on purchases, and interest on the account balance.

What should you pay attention to when applying for a MIR card?

If you want to get the most advantageous MIR card, you should carefully analyze bank offers. Pay attention to several nuances:

1. Maintenance fees. Some banks offer free maintenance without conditions, while others require a certain level of spending.
2. Cash withdrawal and transfer terms. Some financial institutions offer free withdrawals at partner and third-party ATMs, as well as free interbank transfers. This is beneficial if you perform these operations frequently.
3. Bonus programs. Some banks may not have one at all, while others offer truly beneficial cashback for both standard purchases and purchases at partner stores.
4. Interest on the account balance. Specifically on the card, rather than a savings account.

How to apply for a MIR debit card?

Applying for a MIR debit card is exactly the same as for Visa or MasterCard. To get a card, you need to:

1. Analyze bank offers and choose the most favorable option.
2. Submit an application online via the bank's website or in person at a branch.
3. Coordinate the delivery date and time with a courier or pick it up at an office.
4. Activate the card according to the instructions.

MIR cards with the most favorable terms

 

To conclude this article, we have prepared a top 10 list of MIR cards with the most favorable terms.

Bank and debit card name	Maintenance cost	Cashback	Interest on balance
Uralsib 'Pribyl'	0 to 99 RUB per month	up to 3 %	up to 11% per annum
T-Bank 'Tinkoff Black'	0 to 99 RUB per month	up to 30 %	up to 6% per annum
Sberbank 'SberKarta'	0 to 150 RUB per month	up to 30 %	up to 4% per annum
Otkritie "Opencard"	free of charge	up to 50 %	none
VTB "Multicard"	free of charge	up to 50 %	none
Gazprombank "Smart Card"	free of charge	up to 50 %	none
UBRD "My Life"	free of charge	up to 35 %	none
Alfa-Bank "Alfa-Card"	free of charge	up to 33 %	none
Renaissance Credit "Glavnaya"	free of charge	up to 30 %	none
Home Credit "Mir"	free of charge	up to 30 %	none

Let's summarize. "MIR" payment system cards are little different from our usual "Visa" and "MasterCard". You can use such cards to pay for purchases online and in retail stores, withdraw cash from them and make transfers, pay bills and much more. Many banks offer truly favorable terms for card maintenance, so you can always find an option that suits you.