Overview of the TOP 12 best debit cards in Russia

Which banks became the leaders of the national hit parade of debit cards in Russia. Currently, the list of leaders of the TOP debit cards of 2022 has been determined, which includes well-known banking products, as well as those that for some reason were not in the hit parade before. According to the analysis of the debit card matching service data, the TOP 12 debit cards of Russia include:

Sravnim24 editorial team
Daria Kreslova

Contents

TOP 12 Debit Cards with Free Maintenance

In the review of the TOP best debit cards, an important parameter to consider is the cost of annual maintenance.

TOP	Card name	Note
1	Alfa-Bank, Alfa-Card	Free forever
2	Raiffeisenbank, MIR	Free forever without additional conditions
3	VTB, MIR	Free forever
4	UBRD, My Life	Free forever with no additional conditions
5	Rosselkhozbank, Svoya Karta	Free forever with no extra conditions
6	Т-Банк, Т-Банк Блэк	If you keep from 50,000 RUB on the card, deposits, savings accounts, and investments. Otherwise, 99 RUB per month
7	Renaissance Bank, Glavnaya	Free forever
8	Sberbank, SberCard	With monthly spending from 5,000 rubles, otherwise 150 rubles per year
9	Sovcombank, Smart Cashback Debit Card	Free forever
10	Gazprombank, MIR	Free forever without additional conditions
11	Uralsib, Pribyl	Free forever
12	Promsvyazbank, Tvoy Cashback	Free forever with no additional conditions

The annual maintenance rating is based on data provided by the bank and feedback from debit card holders.

What interest is accrued on the balance of debit cards

The second equally important factor is the availability of interest on the balance

Interest accrual rate on debit cards

TOP	Card name	Note
1	Alfa-Bank, Alfa-Card	None
2	Raiffeisenbank, MIR	None
3	VTB, MIR	Up to 7% per annum
4	UBRD, My Life	Up to 21% per annum on a savings account when activating the "Bolshche Plyusov" service
5	Rosselkhozbank, Svoya Karta	Up to 20% on the "Moya Kopilka" savings account
6	Т-Банк, Т-Банк Блэк	None
7	Renaissance Bank, Glavnaya	Up to 19% when opening a savings account
8	Sberbank, SberCard	None
9	Sovcombank, Smart Cashback Debit Card	None
10	Gazprombank, MIR	Up to 10 %
11	Uralsib, Pribyl	Up to 16% per annum on amounts up to 500,000 RUB with purchases of 20,000 RUB or more per month
12	Promsvyazbank, Tvoy Cashback	Up to 21% on the "Aktsent na Protsent" savings account

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Cashback accrual

The presence of cashback indicates that a top debit card will be popular among borrowers. Virtually all leading Russian banks use loyalty programs with cashback accrual

TOP	Card name	Note
1	Alfa-Bank, Alfa-Card	Cashback in selected categories up to 30%, as well as up to 100% on the Super Cashback wheel
2	Raiffeisenbank, MIR	Up to 1.5% of the transaction amount
3	VTB, MIR	Up to 25% in selected categories and up to 50% for purchases at partner stores
4	UBRD, My Life	Up to 5% in selected categories and up to 35% for purchases from partners
5	Rosselkhozbank, Svoya Karta	Up to 4% on all purchases, up to 15% in selected categories
6	Т-Банк, Т-Банк Блэк	Up to 15% in selected categories and up to 50% for purchases from partners
7	Renaissance Bank, Glavnaya	Up to 1.5% on all purchases
8	Sberbank, SberCard	From 0.5% to 1% for regular purchases, up to 5% for purchases in increased cashback categories, up to 70% for purchases at Sberbank partner stores
9	Sovcombank, Smart Cashback Debit Card	Up to 10% on all purchases
10	Gazprombank, MIR	Up to 35% in selected categories
11	Uralsib, Pribyl	Up to 3% on all purchases, up to 30% on partner purchases
12	Promsvyazbank, Tvoy Cashback	Up to 5% cashback in 3 categories and 1% on other purchases, or 1.5% cashback on all purchases