Review of the best debit cards in Russia

How to choose the best debit card for yourself

Given the huge abundance of banks and offers, we recommend choosing attractive products that have their own pros and cons of debit cards. We have gathered only the best and most in-demand options in the Russian lending market. Choose the best debit cards and use them for various purposes, as well as earn money on the cards under the terms of loyalty programs offered by the leading financial and credit institutions of Russia.

What to look for when opening the best debit cards

To understand why you need a debit card, you need to determine for what purposes you plan to use the banking product. Debit cards are most often used for personal needs, such as depositing and receiving wages, social pensions, and benefits. But not everyone knows that the best debit card interest rates from leading financial and credit institutions allow not only to store your savings, but also to earn a decent amount on them. Some banks are ready to accrue interest on the account balance. In addition, with the help of the card, you can perform transactions, for example - make your favorite purchases, while the bank will additionally credit you with cashback. Some credit institutions can credit you up to 10% in cashback.

Sberbank cards help clients open a profitable deposit and participate in the "Spasibo" loyalty program, where you receive additional bonuses that can later be spent at partner stores, paying for up to 100% of your favorite purchases.

The main condition for choosing the best debit cards is profitability. Having a card just like that can put you at a disadvantage, for example, you may have to pay for the mandatory annual maintenance of the banking product.

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Debit cards for travel

For those who love traveling around Russia as well as the world, the best debit cards offer additional conditions under loyalty programs. Thus, you can make purchases in stores and receive bonuses and miles for this. Ultimately, the accumulated miles and bonuses can be spent on buying tickets, paying for a hotel room, or renting a car abroad or within Russia.

The ratio of points and miles must have reasonable equivalents. For the most part, banks provide identical conversion. So, for example, if you have 2000 miles on your card, it means you have been credited with a bonus of 2000 RUB, which you can spend only on buying tickets or paying for certain categories of services under the loyalty program.

A number of credit institutions set a limit and a minimum threshold for available miles or points. For example, you can spend 3000 miles only after reaching this threshold, while you will have the opportunity to pay up to 100% of the ticket cost with the accumulated miles.

Which debit card is better is determined independently by the bank client. An important indicator is the presence of annual card maintenance; thus, the main popular cards have the following annual maintenance fees:

• Alfa-Bank, card Alfa Travel. Free maintenance.
• T-Bank, card All Airlines. Debit card maintenance depends on conditions, ranging from 0 RUB to 299 RUB per month.
• Gazprombank, "Smart Card UnionPay" card. Free maintenance.

Overview of the best debit cards with interest on account balance

An additional advantage of the best debit cards is the presence of conditions for accruing interest rates on existing account balances. Each card has its own interest accrual mechanism, which is specified in the agreement. Upon receiving a debit card, the client is informed of this opportunity. Thus, any annual maintenance fees are easily offset by the interest. However, some banks require a monthly transaction of a certain amount, while others require maintaining a specific balance on the card account.

If a bank sets requirements for the account and you have no balance, such a card will naturally have a 0% interest rate. On cards with a balance exceeding the bank's threshold, the interest rate for the best debit cards is approximately 4-5%. If the cardholder leaves a decent amount as a balance on the card account, the bank can accrue interest rates of 7-10%.

We recommend paying attention to the following best debit cards:

• Gazprombank, "Smart Mir Card" card — interest on balance 10%.
• VTB, "Card for Life" card, depending on conditions and amount — interest rate on balance 7%.
• MKB, "Mudrost" debit card, interest rate — up to 7%.
• Fora-Bank, "All Inclusive" card, interest rate on balance — 8%.
• Uralsib, "Profit" card, interest on balance 16%.

Please note that even if there is a high interest rate on the balance, you should review the bank's offer and also take into account the annual maintenance fee.

Best cashback debit cards

An additional attractive nuance of a debit card is the availability of cashback. Almost all leading financial and credit institutions develop the best debit cards with cashback. Some are ready to credit up to 30-40% cashback, but only for specific product groups and only in certain partner stores; for example, you can always find such offers at T-Bank.

When choosing a debit card based on cashback, we also pay attention to additional options, such as annual maintenance fees and interest on balances.

The debit card matching service recommends that you pay attention to the following banking products:

• Card Black from T-Bank — cashback up to 30%.
• Ak Bars Card from Ak Bars Bank — cashback refund of up to 50%.
• Sberbank, "SberKarta" card — cashback of up to 50%.
• Alfa-Card from Alfa-Bank, cashback accrual up to 30%.

Pay attention to the list of partner stores participating in the program. A more accurate list of partners can be obtained on the website of the bank where you apply for the best debit cards with cashback in 2024.