Most people who decide to open a debit card for any specific purpose try to find free debit cards so as not to pay the bank for servicing this seemingly simple and now accessible banking product.

Indeed, many banks now offer debit cards with free annual service. But at the same time, in most cases there are certain pitfalls that an ordinary client may not immediately know about.

That is why, in this review, we will consider the best free debit cards offered by domestic banks in 2019. Moreover, in the description of each card we will try to reveal all the nuances and features of the card, pros and cons and much more.

Best Free Debit Cards in 2019

So, below are the TOP 5 of the best and most profitable debit cards, which are issued free of charge and do not have an annual service fee in their tariffs. We present exactly those cards that today are extremely popular among bank clients, have positive and numerous reviews on the Internet, and also have favorable rates and conditions with completely zero or conditionally free service.

The best free debit card of 2019

One of the most popular cards at Tinkoff Bank is black Tinkoff Black debit card. This card will be an excellent option for storing money on it for savings and for everyday payments in stores.

The main advantages of the card:

• The card is issued in the premium categories MasterCard, VISA or MIR Premium.
• You can issue a ruble or currency card (euro, dollar).
• Cash withdrawals from ATMs and transfers to other banks are free.
• Free issuance of up to 5 additional cards for all family members or for yourself. Moreover, you can issue different payment systems for one account. For example, for payments within the country you can issue a premium MIR card, and for payments abroad MasterCard Platinum.
• Online registration and free delivery by a bank specialist.
• Interest on the card balance is up to 6 percent per annum.
• Cashback for purchases in certain categories up to 5%, as well as for purchases from Tinkoff Bank partners up to 30%.

At first glance, a card of a prestigious category and with such advantages cannot be free. And to some extent this is true, since the card costs 99 rubles per month.

But there is methods and conditions for using a debit card for free:

1. The Tinkoff Black card will be free if you have a bank deposit (deposit) in the amount of 50 thousand rubles or more or a loan for the same amount in Tinkoff Bank.
2. Another way to use it for free is to keep a minimum balance of 30 thousand rubles on the card for a month.
3. Well, the most popular way is after receiving the card, just call or write to the bank with a request to transfer to non-public tariff 6.2 in which there is no card maintenance fee. Only existing bank clients are transferred to it. You can familiarize yourself with this tariff.

As you can see, making a map free is quite easy and simple, but you can start by simply opening the map. The card is perfect for depositing salaries and for other purposes.

Free universal debit card with interest and cashback

One of the most popular debit cards in Russia today is considered Rocketbank card. Its popularity is due to the fact that it is produced and serviced free of charge, and delivered by courier also free of charge. Using the card it is possible to make transfers to other banks without commission. In addition, every month the bank offers to select stores in your city where you can receive cashback of up to 10%.

And of course, what’s a debit card without interest on the balance? It is 5.5 percent here.

A special feature of this bank is that it serves clients only remotely through a mobile application for Android and IOS. For those who have not heard about the Rocketbank brand, I will say that it belongs to the QIWI financial group (Qiwi Bank). This indicates the maximum reliability of Rocketbank. And don’t forget that the bank is a member of the DIA, and all funds on the card are insured by the state.

Profitable debit card with free issue and service from Home Credit

In 2018, Home Credit Bank introduced a new debit card “Polza”, which is currently one of the most interesting cards for storing your funds and making payments in stores.

For storing funds, the card is advantageous in that it accrues interest on the balance of up to 7% per annum. And for payments in stores, the card is interesting because it has a “Benefit” bonus program, which allows you to receive bonuses (cashback) in certain categories and partner stores of up to 10%.

The card is issued absolutely free. Also, there is currently a promotion where there is no annual maintenance for the first year. From the second year, if you keep a minimum balance of 10 thousand rubles on the card, then the card will also be free, if less then 99 rubles.

The amount of 10 thousand rubles is not so big that you can keep it on a card at a high interest rate and receive free card service for this.

Free universal card "Halva" from Sovcombank

Another profitable debit card where you can profitably store your own funds and withdraw from any ATM in the world is the installment card from Sovcombank. The Halva card is a card with a credit limit that allows you to make purchases in installments for up to 12 months.

But in addition to this function, it has debit functionality, which allows you to use the card as a debit card. 6% per annum is charged on the balance of your own funds on the card, and if certain conditions are met, the interest rate can be increased to 7.5%. In addition, you can withdraw funds in the amount of up to 100 thousand per month at any ATM in the world without commission. The card definitely deserves to be issued, even because it is absolutely free. More details about the map can be found in separate review on our blog.

Opencard debit card with no annual fee and free delivery

I’ll say right away that you can use the card for free under certain conditions, which are also not difficult to fulfill. But more on that below.

Why is it worth getting a debit Opencard from Otkritie Bank:

1. Large reliable bank TOP-10.
2. Cashback on everything up to 6%. No need to search for specific categories or stores. Pay with it everywhere and get a stable 6 percent cashback!
3. Commission-free withdrawals from ATMs and transfers to other banks.
4. A savings account where you can store funds at a favorable interest rate of up to 7% per annum.
5. Possibility to issue a premium card with free service (if minimum requirements are met).
6. Free delivery at any time and place convenient for you.

Where can I get a free debit card?

So, in this review we tried to answer the question of many, “Where can I get a free debit card?” and reviewed the most profitable and interesting bank debit cards that are worth getting this year. So, the choice is now yours, but I would recommend that you try several debit cards from this list at once in order to understand from your own experience which card will be most suitable for you. Moreover, they complement each other and allow you to earn a lot of rubles from cashbacks.

Most Russians are issued plastic cards at work or when paying scholarships and pensions, so they are deprived of the opportunity to choose a card. But if you independently determine the best option for yourself, you need to take into account a whole range of criteria. When choosing bank cards, you should pay attention to the following characteristics: type of card (debit), payment system (Visa and MasterCard), class of service and additional options.

Selecting card type: debit or credit card

Debit cards allow you to use only your own funds, while credit cards allow you to borrow money from the bank and go into the red. Debit cards are more suitable for those who do not accept bank loans, have low financial discipline and are prone to spontaneous spending.

The most important criteria for choosing credit cards are: the annual interest rate, the size of the credit limit, and the presence of a grace period during which you can use borrowed money for free.

You should opt for a credit card if you periodically feel the need for borrowed funds.

When comparing different options for plastic cards, you should pay attention to additional advantages, including:

Availability of options for remote account management - Internet banking and mobile banking, this will allow you to perform all operations without visiting a bank branch;

Accrual of interest on the balance or the ability to connect online deposits, which will allow you not only to spend, but also to earn on the card;

Availability of cash-back - with these cards, part of the purchases is returned back to the card account; for example, with a Master Card from Svyaznoy Bank, 10% is added to the balance, 1% is returned in bonuses;

Availability of 3D-Secure technology, which makes card payments more secure.

Also today, everyone can choose a card with an additional set of benefits based on their needs - for example, a card with discounts and bonuses for travel enthusiasts, for motorists, for users of certain telecom operators, etc. With airline co-branded cards when paying for any goods and services to the client miles are awarded, which can be exchanged for free airline tickets or upgrades.

Choice of payment system: Visa or MasterCard

The choice of payment system is relevant only for actively traveling Russians and who intend to pay abroad using bank cards.

If you plan to use the card only in the Russian Federation, then there is no difference between Visa or MasterCard.

In this case, it is worth considering that the currency of the Visa payment system is the dollar, and that of MasterCard is the euro. Thus, it is more profitable to pay with a Visa card in the USA, MasterCard - in Europe. So, when paying with a Visa card in Europe, it initially converts rubles, and then into euros, which is quite unprofitable.

Selecting a bank card class

Finally, it is worth deciding on the class of service. There are three classes of bank cards: electronic, classic and premium.

Electronic cards (Visa Electron and MasterCard Maestro) are distinguished by a basic set of services and a minimum cost of annual maintenance (about 300 rubles per year). Such cards are suitable for those who use it to withdraw cash and make purchases at retail outlets. However, you won’t be able to pay with them online. Such cards are often issued as unnamed cards.

Classic cards (Visa Classic and MasterCard Standard) are the most common types of cards with a basic set of functions. They allow you to make payments and pay for purchases by bank transfer. This card is often issued with a chip, which allows it to be used for purchases abroad.

Premium Gold and Premium cards are status cards, with an additional set of privileges, such as discount programs. Among the disadvantages of such cards is the high cost of maintenance.

For those who often make purchases online, you can also order virtual cards without physical media.

A plastic card is a tool for making payments. Today, banks provide two types of cards: debit and credit. The debit account has a simple account into which no interest is charged on the loan, but where any operations can be carried out - receiving wages, payments and transfers, and so on. A credit card implies the accrual of interest on the loan, as well as the necessary repayment of the debt within a certain time. Next, we will consider which bank card is better to choose.

Debit plastic

Almost every resident of Russia has a debit card in his arsenal. It allows you to make payments, purchases, and also has many other functions in its composition. Many banks work with debit plastic, but the most popular in this regard are Sberbank and VTB-24 cards.

You can choose a debit card based on the parameters that we will consider below. For example, according to plpayment system - Visa or MasterCard, Maestro, MIR and others. In Russia today all four systems are used.

1. If you plan to use plastic abroad, it is better to purchase a Visa or MasterCard. If you plan that the plastic will be used only in Russia, and also have limited functionality, then you can purchase a Maestro card.
2. Maestro belongs to the MasterCard payment system, but operates only in Russia. This plastic is given instantly when you contact the bank, which means it is practically free (a nominal fee).
3. The MIR card belongs to a payment system that operates only in Russia. The system was created with the goal that the card would be used by social institutions, for example, to transfer pensions or scholarships. Therefore, the card is used only in Russia and has fairly convenient service conditions.

You can also select plastic according to its level. Today there are 5 levels offered. These are social cards, classic, gold, platinum and Black Edition.

1. Social cards have a low level of service. They are cheap to maintain, but have limited functionality. Cards of the standard or classic level are most often used. It is to them that the company most often transfers wages, but for use it will be necessary to pay annual maintenance, which most often amounts to 750 rubles.
2. Ash or Platinum levels allow its owner to participate in closed events, belong to a select circle of owners, but they tend to have expensive tariffs.
3. The Black Edition Business level card is intended for businessmen, business owners and those with high income. The cards have large limits on withdrawals and transactions. These cards are served with priority.

Thus, the choice of a debit card must be made based on what it will be used for. If it is used to receive wages, social benefits, pensions, then you can purchase a simpler tariff, and if fairly large income is planned, then the card should be gold or higher level.

It is also worth remembering that each plastic card has its own service percentage, which in fact can be very high, for example, in some banks the cost of annual service for a platinum level card is about 15,000 rubles.

Benefits of debit cards

To choose a debit card, you need to evaluate its benefits. The following factors should be taken into account:

1. Possibility of accumulating savings through services. This is a big advantage for some banks. The service is called cashback, that is, any amount of purchases is returned as a bonus. For example, Sberbank offers a bonus program "Thank you". Bonus points can be used in full at partner stores of the organization. Today, such partners include banks offering household appliance stores, cell phone stores, pharmacies, and so on. You can also make the card a means of deposit. In this case, annual interest will be charged on the average monthly account balance. Most often, the interest ranges from 3 to 6% per annum and is charged to a separate account. This account is a deposit account, and from it you can transfer money directly to the debit account at any time.
2. Overdraft. This functionality is designed so that your plastic account can go into the minus. In this case, the card becomes a means of obtaining a loan. Most often, this service is installed on salary cards, and when a client does not have enough money before payday, he can always turn to the overdraft limit.

The funds must be returned before payday, otherwise they will be debited themselves and the card balance will be negative. No interest is charged for using an overdraft.

Credit cards

A credit card can be a regular payment card, or it can be provided as a tool for obtaining credit. Credit cards, as well as debit cards, have different levels, but receiving money is possible only in the first case. To select a credit card, you must provide the following parameters:

1. The amount of the interest rate. The cheapest banking products in Russia are issued at a rate of 19% per annum, the maximum percentage is 55%. Therefore, when drawing up an agreement, you need to familiarize yourself with the terms of the future loan and choose the most inexpensive one;
2. Card service cost, which must be paid once a year, and cost of SMS notification;
3. Availability of a grace period. The standard grace period in Russia is 50 days. During this time, if the client takes out a loan and pays it back, no interest is charged. This rule applies only to non-cash use of money. As soon as the client withdraws cash, the grace period ends and cash withdrawals are subject to a 3% fee. Cash withdrawals are the same at all ATMs.
4. Withdrawal limits. In order to withdraw fairly large amounts, you need to apply for high-level plastic. If operations will be carried out under small limits, then you can apply for a classic tariff.

Thus, credit plastic does not differ in the breadth of its variety. Therefore, the choice is simple - most often the bank offers 1-2 standard level credit cards.

What to choose: Visa or MasterCard

Both payment systems are global, which means you need to rely on the currency you plan to work with: rubles, dollars or euros. Travelers often face the question of choosing a card. Today we can safely say that there are not many differences in working with currency. The most inexpensive system is the Master Card, but with a Visa there may be problems when paying in Africa and Cuba.

MasterCard means no commission for cross-border transactions, which is especially important when traveling abroad. Also, MasterCard is often cheaper to maintain. If you plan to purchase a card from Alfa Bank or VTB-24, then the differences are small, but if from Sberbank, then it is better to get a MasterCard.

Which bank card is better to get?

Banks provide a large number of cards of different types and levels. It is quite easy to get confused in such diversity. Therefore, before contacting the bank, you need to determine the basic parameters:

• what type of card is needed – debit or credit;
• for what purposes the tool will be used;
• which payment system it should belong to;
• what level is required for operations - classic, gold or higher.

After answering the above questions, you can begin choosing the card program itself.

Sberbank

The choice of plastic at Sberbank is the widest among all well-known banks. Thus, the organization provides at least 7 types of debit plastic, and at least 5 types of credit. The most popular is debit classic. It implies the following conditions:

• payment system both Visa and MasterCard;
• three-currency account;
• cost 750 rub. in year;
• bonus program – 0.5% “Thank you” from each purchase.

You can add additional plastic cards to your payment instrument. The operation is possible from the age of 14. The advantage is the availability of contactless payment technology. Among the debit cards you can find Maestro, MIR, Aeroflot Visa, etc. The entire range is listed on the official website.

Many clients are interested in the features of classic cards. For classic products, the conditions are as follows:

• interest-free period – 50 days;
• maintenance per year – free of charge;
• limit – up to 600 thousand rubles;
• rate – 27.9%.

As you can see, plastic is quite easy to maintain, and the interest rate for the loan is minimal. This attracts many clients.

VTB

The most attractive service is the Privilege banking product. It allows the client to receive the following benefits:

• three-currency account;
• cashback – 1%, bonus accrual in a selected category – 5%;
• increased limits for withdrawing money and a large number of partner stores.
• The product is easy to use and has a name.

Among the VTB-24 credit cards, you can consider the VTB-24 Multicard. Program parameters:

• cashback – up to 10%;
• limit – up to 1 million rubles;
• Availability of interest-free period – 50 days.

Thus, the conditions of the plastic are standards. Any working person over the age of 22 can receive it. VTB has fairly strict requirements for borrowers, but card programs have attractive functionality.

Raiffeisen

The bank offers a new card in the debit line - AT ALL. It belongs to the Visa payment system and has a gold level. The conditions for using plastic are as follows:

• annual maintenance 4500 rub.;
• all payments from the card are made without commission;
• limit on all transactions for 1 day – up to 3 million rubles.

Thanks to the Gold level of the card, the terms of service are more than loyal. The card earns cashback in the amount of 1% of the purchase price. The money is accumulated in a separate account and can be withdrawn at any time.

The ALL IMMEDIATE credit card is an instant issuance product and can be received on the same day of application. The usage parameters are as follows:

• limit – up to 600 thousand rubles;
• 50 days – grace period;
• cashback - 1 point for 50 rubles. and 5% from certain product categories.

Thus, Raiffeisen Bank card programs are profitable and convenient. The card can ALWAYS be a tool of both a debit and a credit nature.

Tinkoff Credit Systems

Perhaps the most common bank that works with different types of plastic. From debit cards you can choose Black Platinum. The parameters are as follows:

• payment system – MasterCard;
• level – premium;
• limit – up to 300 thousand rubles;
• cashback – up to 30%;
• interest on the account - up to 7% per annum on the average account balance.

Thus, a premium card implies maximum benefits for customers. Unlike other banks, where business-level plastic is quite expensive to maintain (up to 12 thousand rubles per year), at Tinkoff the annual service is 3,000 rubles.

Among credit cards, we can mention Tinkoff Platinum. Conditions:

• limit – up to 300 thousand rubles;
• interest-free period – 55 days;
• debt repayment 5-8% monthly of the total amount;
• free replenishment.

A credit card from Tinkoff Bank is interesting because it allows you to accumulate points at the most favorable rate: 1 ruble = 1 point.

Thus, the question of which card is better to design is indeed very difficult. You need to familiarize yourself with information about different types of plastic on the official websites of banks and choose the most suitable one. Banking plastic is a payment instrument that is used almost daily, which means it must have high-quality service parameters.

This is a payment card for paying for goods and services and receiving money from ATMs. With such a card, you manage funds within the available balance on the account to which it is linked. This is different from a credit card, where you borrow money from a bank. The purpose of debit cards is to replace paper money with non-cash payments.

Choosing a bank

We check the financial condition of the bank

Financial indicators will tell about the reliability of the bank. Even the largest bank is not immune from bankruptcy, but large credit institutions have a lower probability of such a scenario than small ones.

Pay special attention to banks that offer very favorable conditions for card servicing. Probably, the bank is not doing this out of a good life and it needs to attract new clients. You can track the financial condition of banks on the website banki.ru.

Key indicators of the bank's condition: net assets and net profit. If they grow, this is a good sign; if they fall, it’s worth thinking about.

Studying customer reviews

When choosing a bank, study customer reviews. For example, pages with reviews about banks on banki.ru. If the bank is large and has an extensive network of branches, then it’s worth asking friends from your region and city. The same bank operates differently from city to city.

We make sure the safety of funds

By ordering a card from a bank, you open a bank deposit account. Guarantee of safety of funds - participation of the bank in the deposit insurance system (DIS). If the bank participates in the SSV, then in the event of its closure you will be paid up to 1 million 400 thousand rubles inclusive. If you have more money, then place it in different bank accounts.

A list of banks participating in the system can be found on the website of the Deposit Insurance Agency.

Check list:

• We make sure that the bank participates in the deposit insurance system.
• We evaluate the financial condition of the bank based on key indicators.
• We study reviews from bank clients and ask friends.

Choosing a card

Each bank, as a rule, has a whole line of debit cards. They may differ in payment systems and security (with or without a chip), service rates, and bonuses. Debit cards are also common for making certain purchases, such as refueling a car, travel cards, and shopping in online stores.

Having decided on a card, go to a bank branch or call support (if the bank does not have branches) to get specialist advice. Do not hesitate to ask questions, especially regarding the terms of service: how much does it cost to service the card in the first year and subsequent years, what package of services is included in the tariff, what additional options are available and for what fee.

Another point worth paying attention to is the payment system. The Mir payment system has recently launched in Russia, but its reliability still raises questions. It is better to stick to the classic options - Visa and Master Card. Almost all shops, terminals and ATMs work with them.

Check list:

• Debit cards come in classic and bonus types. Decide which card you need.
• Read the banking service agreement carefully.
• The card must be protected with a chip. This is an additional level of security.
• Choose a card with a classic payment system - Visa or Master Card.

How the card helps you earn money

Great, we have chosen the appropriate bank and card. Now let's move on to the nice little things. Did you know that a debit card is not just an electronic wallet? With a good card, you can save money from inflation, receive account balances and discounts from partners. Let's tell you in more detail exactly how the card can help you save and earn a little extra money.

Cashback is refund of part of the money spent. Typically banks have a single interest rate for such transactions, for example 1%. For every thousand spent you will get ten rubles back. Some banks offer users to select their favorite categories of purchases that are eligible for increased cashback.

For example, the bank offers 3% cashback when spending on travel, books and gasoline. Then for every thousand rubles spent you will get back not ten, but thirty.

For the account balance they can interest accrues. Thus, a bank card also works as a deposit, helping to protect funds from depreciation. As a rule, banks have special conditions: in order for interest to accrue on the balance, you must have at least 10, 30, 100 or 300 thousand rubles in your account - it all depends on the specific bank. Please check this point with your bank employee.

Many banks enter into agreements with partners: clothing stores, perfume stores, online stores, travel agencies, tour and hotel aggregators. Within special offers from partners There are often discounts on first purchases (from 10 to 30%).

Check list:

• Check to see if the cashback program works with your card.
• Find out whether interest accrues on the account balance, and if so, under what conditions.
• Explore the bank's affiliate programs.

Service

From the benefits that you can get by issuing a card, let's move on to an equally important issue - service. Good banks love their customers and make their lives easier with mobile applications, online banking, conscientious telephone support, and an extensive network of branches and ATMs.

Mobile applications

In 2016, banks are bound to be in your pocket. Interestingly, convenient mobile applications are also beneficial for the banks themselves: this way they reduce the flow of customers in branches and save money on employee salaries. If most transactions can be done through a smartphone, why are there extra tellers and service managers in branches?

Internet banking

The same applies to Internet banking. A good bank should have a convenient and functional Internet bank. With its help, you can not only pay for housing and communal services, telephone and Internet, but also open new accounts, move funds between them, block cards, open deposits, and apply for loans.

Customer support

Even in the most well-thought-out bank, troubles happen - this is normal. It is important that in such moments you know that you can count on smart support by phone or online. Check this point with a specialist when applying for a card, ask those who are already clients of the bank how their problems were resolved.

Branches

In recent years, banks have changed a lot and have become similar to large IT companies. You can order a card without leaving your home; almost all transactions can be performed in the application and online banking. But for many, this method of communicating with the bank is not suitable. Some issues are indeed easier to resolve in the department rather than at a distance. Therefore, it would be a good idea to find out how many bank branches there are in your city and how conveniently they are located.

ATMs

Debit cards are designed to replace paper money, but not everywhere you can pay cashless. Therefore, find out how the bank is doing with ATMs.

Large banks (Sberbank, Alfa Bank, VTB 24) themselves build extensive ATM networks throughout the country. Others (Tinkoff Bank, Rocketbank) allow you to withdraw money from almost any ATM, but under certain conditions. For example, in Tinkoff Bank you can withdraw from 3,000 rubles without commission, and in Rocketbank - no more than several times a month.

Check list:

• A good bank has convenient mobile applications. Most operations can be performed directly from your smartphone.
• The bank must have a convenient and functional Internet bank, which will reduce the number of trips to branches to a minimum.
• Friendly support is the basis of a good relationship with the bank. Make sure the bank has good customer support.
• Many people find it more convenient to work with the bank in branches. It is important to know how extensive the bank’s ATM network is: does it have its own network or does it work with partners.

Now you know how to choose a debit card. We hope that our advice will help you find a profitable option. Leave questions and suggestions for adding material in the comments.

To choose a financial instrument for placing savings, Russian citizens need to draw up. Many banks, in parallel with deposit programs, offer clients to issue debit cards. They establish the most comfortable conditions and also provide various bonuses. To obtain such plastic, you do not always need to personally visit bank offices, since the application can be made via the Internet, just like.

What types of debit cards are available to Russian citizens today?

In order to choose the most profitable debit card in 2017, every person should initially find out what types of plastic are offered by banking institutions. Today, financial organizations have developed the following types of cards for Russian citizens:

Visa Classic	Such cards are intended for individuals who have a regular source of income. They can be used to store funds and make payments for goods and services.
Visa Gold, Platinum	This series of debit plastic was developed specifically for wealthy people. Owners of such cards are provided with all kinds of discounts and bonuses. They can conduct financial transactions both on the territory of the Russian Federation and abroad. In the event of loss or theft of cards of this level, clients have the opportunity to urgently cash out all funds available on them
Visa Electron	Such cards are intended for making payments in all retail chains that support this technology. Individuals have the opportunity to withdraw funds through ATMs or conduct payment transactions through terminals
Salary cards	This type of plastic is issued to their full-time employees by business entities in those banks where they receive settlement and cash services. They are regularly credited with salaries and other social benefits. Individuals can withdraw funds from cards and use them to pay in stores
Payment cards	This type of debit card is designed to store funds that owners can dispose of at their discretion
Overdraft cards	This type of banking plastic allows holders to spend more funds than are stored in their accounts. With the help of these cards, financial institutions promote their line of credit

Advice: each type of banking plastic available to individuals has its own advantages and individual functionality. In the process of choosing a card, each person must carefully study all the conditions and only then submit their application.

What are the benefits of debit cards?

Debit or plastic offered by other financial institutions have the following advantages:

1. Individuals always have access to their funds (unlike deposit accounts, which in most cases prohibit spending transactions).
2. Owners of a debit card can make a payment at any time either via the Internet or during a personal visit to a financial institution.
3. Bank cards can be used to pay not only for goods, but also for services, for example, to pay for utilities, fines, etc.
4. Some programs provide an overdraft facility. In this case, an individual has the opportunity to store his personal funds on the card, and if the need arises, spend the bank’s money (within the established credit limit).
5. Recently, many Russian banks have been providing Cashback as an additional service to debit card holders. Thanks to this mechanism, individuals will receive a portion of the funds from each expenditure transaction made. Large financial institutions stipulate up to 15% return (if the client pays with a card in restaurants, travel agencies or car dealerships).

How to choose the right debit card?

To find profitable debit cards in 2017, individuals need to consider the following factors:

• the period for which the plastic is issued;
• is there any provision for accrual of interest on the balance;
• connection of additional services;
• protection of debit plastic;
• currency in which the card is issued, etc.

Before applying to a financial institution for a debit card, each person must decide for himself for what purposes he will use it. If he plans to store his savings on it, then he should choose a program with the possibility of receiving interest income. In the case when a bank card will be used to make purchases, you should pay attention to plastic from the Master Card World series. There will be no problems with it if you need to cash out money through ATMs of various financial institutions.

Advice: The state protects the funds of individuals that are stored in bank accounts. But to eliminate any risks, you should not place more than 700,000 rubles on debit cards in 2017.

What nuances should you pay attention to?

Almost all Russian citizens who plan to apply for a debit card at financial institutions expect to use it to store and accumulate funds. To protect your savings from possible risks, you should be very careful and responsible in choosing a financial institution and the products it offers. Financial experts recommend paying attention to the following nuances:

1. When choosing a bank, you should pay attention to its reputation, what place it occupies in the domestic financial market. As a rule, large financial institutions do not lack clients, so they set conditions that are not very comfortable for individuals. Small banks, on the contrary, strive to replenish their client bases by any means, so they offer debit cards to Russian citizens on very tempting terms. In this matter, individuals should decide what they ultimately want: to reliably protect their savings in a bank that has been proven over the years or to entrust them to a financial institution that is not very confident in its standing.
2. When choosing a debit card, you should pay attention to its status, which will directly determine the size of the monthly fee, commissions for opening and conducting various financial transactions. If an individual decides to open a status plastic business, then he should take into account that he will have to regularly spend decent amounts of money on its maintenance. At the same time, such cards have a high profitability, since they provide the possibility of accruing interest on the balance. Holders of status cards can also receive regular income in the form of cashback, thanks to which, when making payments, part of the funds spent will be returned. If an individual does not plan to store and accumulate funds, then he should pay attention to simple bank cards.
3. The cost of issuing a debit card. Each financial institution individually forms its own pricing policy. The cost of opening cards across the country ranges from 100 to 30,000 rubles (depending on the type of card).
4. When choosing a debit card, Russian citizens should take into account one important nuance. Some banks set a condition for clients - at the end of a certain period there must be a certain amount of funds in the card account. If the cardholder violates this requirement of the financial institution, he may forfeit interest income.

The best offers from Russian banks

In 2017, many financial institutions offer individuals a variety of banking products, in particular debit cards. Russian citizens, before making a final decision, should study the most profitable programs:

1. . Today, this financial institution is the largest and most stable throughout the Russian Federation. He has developed a wide range of debit plastic for his new and regular customers. Visa card (classic) - it has standard conditions, a minimum cost of annual service (750 rubles), a large list of additional services. Individuals can use such plastic not only in the country, but also abroad. If necessary, clients can enter into a separate agreement with the bank, which gives the right to use the card to receive salaries and social benefits. Visa card (gold or platinum) - intended for privileged clients. It is issued for a period of three years, the possibility of using , is provided. The cost of annual maintenance for “gold” is 3,000 rubles, for “platinum” - 10,000 rubles. Holders of such cards receive a lot of interesting and profitable offers. For people who prefer to make payments on the Internet, Sberbank has prepared a special offer - a virtual card. Owners can connect such a financial instrument to their electronic wallets. The cost of servicing the plastic is 60 rubles per year. In 2017, the financial institution introduced the following, which established the most comfortable conditions. This offer is available to customers who are under 25 years of age at the time of application. The validity period of such a card is 3 years, the cost of annual maintenance is set at 150 rubles. There are limits on plastic: for daily cash withdrawals - 150,000 rubles (per month 1,500,000 rubles), for daily replenishment - up to 10,000,000 rubles.
2. Alfa Bank cards. In 2017, this financial institution significantly simplified the procedure for obtaining a debit card. Now individuals do not need to personally visit bank offices, since all necessary actions can be performed via the Internet. To do this, just go to the official website of Alfa Bank, familiarize yourself with the current products and submit an application. In 2017, the following types of VISA debit cards are available to Russian citizens: Platinum, Gold, Black Platinum, Classic.
3. VTB24 debit cards. Today, individuals can obtain different types of cards at this bank. Classic plastic is issued for 2 years. It sets an annual service of 750 rubles. The Classic multicurrency card opens up almost limitless possibilities for its holders. With annual maintenance of 750 rubles, it is possible to use the card anywhere in the world. VTB24 gold plastic has expanded functionality. Its owners will have to pay 3,000 rubles per year for the service provided. To emphasize their high status, individuals can apply for Multicurrency Gold plastic at this financial institution.
4. Card from Tinkoff Bank. For its new and regular clients, the financial institution offers debit plastic on the most favorable terms. The card provides cashback (for all purchases a refund of 1% is made, and when paying for certain categories of goods - 5%), the amount of which during promotions can reach 30%. You can apply for plastic on the official website of Tinkoff Bank. Interest will be charged on the balance of funds that will be stored on the card account: less than 30,000 rubles - 3.00%, more than 30,000 rubles - 7.00%. If no financial transactions were carried out on the card during the month, no interest will be accrued. Individuals can make money transfers from debit plastic within the system free of charge and without restrictions. For interbank transfers, the financial institution charges a commission: up to 150,000 rubles - 90 rubles, more than 150,000 rubles - 2% of the transfer amount.
5. Debit cards from Raiffeisenbank. In 2017, clients of this financial institution can obtain a Visa Classic series card, which can be connected to an account in domestic or foreign currency. Debit card holders have the opportunity to conduct contactless financial transactions. They are allowed to pay utility bills without commission. Each client gets access to a mobile bank, thanks to which he will track all movements on his card account. Raiffeisenbank has prepared a discount offer for this category of clients - an increased daily limit on cash withdrawals to 200,000 rubles. Debit cards also provide SMS notifications, account statements, and technical support (24/7). Daily expenses on the card should not exceed 3,000,000 rubles. When replenishing your plastic card in the amount of up to 100 rubles, a commission is charged (if the amount is larger, the operation is free). The cost of annual maintenance of such a card is 750 rubles. Individuals can issue up to 5 debit cards (for each additional plastic card you will have to pay 600 rubles per year).