Cash transactions are becoming a thing of the past, giving way to non-cash payments. For financial manipulations, customers are increasingly wondering which debit card to choose. We have collected, in our opinion, the TOP ten offers from Russian banks.

Visa Premier from Sberbank

Visa Premier is the best debit card from Sberbank. It allows its holder to save significantly. Discounts until 3% customers receive for goods, services that the bank has determined. On other purchases - 1% .

Existing customers can apply for a debit option banking institution. Features of using the card:

• validity - 3 years;
• daily limit for cashing out - half a million;
• monthly withdrawal limit - 5 million;
• maintenance cost - basic 4900 rubles annually, and additional - 2500 rubles;
• card re-issuance 0 rubles;
• can be linked to electronic wallets;
• sms alert;
• access to the Sberbank Online program;
• access to the "Mobile Bank" functionality;
• the issue of overdraft is decided individually;
• participation in the best Sberbank loyalty program "Thank you";
• payment with “Thank you” bonuses for air tickets, hotels, if they are booked through the “Thank you” website.

If the monthly balance does not exceed 2.5 million, then there is no service charge.

Otkritie Bank and its Smart Card

Analyzing information about which debit card of which bank is better, one cannot ignore the options offered by Otkritie Bank. It is his best card with cashback. The amount of the latter directly depends on the amount of expenses. The larger it is, the higher the percentage:

• 1% money spent is returned if the client has spent a month up to 30 thousand;
• 1,5% - with monthly spending on the amount more than 30 thousand.

Bankers have established the following conditions for the use of a debit copy:

• four year validity;
• self-installation of TeleCode;
• accrual of interest on residual funds - 7,5% ;
• SMS alert - 59 rubles monthly;
• service - 299 rubles monthly, with expenses more than 30 thousand- for free.

Visa Signature premium card from SKB-bank

SKB-Bank attracts customers with a premium Visa Signature debit card. This banking product is designed for applicants who make purchases, pay for services not only in the Russian Federation, but also abroad.

Balance charge 7,9% per annum, which is much more than the interest on deposit offers of some banks, attract customers. Also, cardholders get the opportunity to return 1% amount spent on purchases. Cashback owners receive monthly.

The citizen is provided with:

• maximum monthly cashback – 50 thousand;
• free SMS-informing;
• account statements - 0 rubles;
• free issuance/replenishment of the card;
• gratuitous registration of insurance to the cardholder for the period of foreign trips;
• issue of copies individual design – 0 rubles;
• sms alert.

If the purchase is returned by the cardholder to the seller, then this amount is deducted when determining the size of the cashback.

MasterCard Black Edition of the Moscow Industrial Bank

Thinking about which bank is better to issue a profitable debit card, pay attention to the Moscow Industrial Bank and its best multi-currency option MasterCard Black Edition. Customers who pay bills with such a card receive cashback:

• 10% from the money spent at gas stations;
• 5% from the amount spent in bars, Duty free shops, restaurants;
• 1% from expenses in trade and service enterprises.

When using the card, citizens must consider the following conditions:

• accrual of annual interest on the balance - 8% if on account more than 300 thousand rubles;
• validity - 2 years;
• issue of additional cards - up to 5 copies;
• access to the bank's functionality;
• access to higher credit half a million;
• 5 free money withdrawals per year at any ATM in the world;
• automatic participation in discount programs initiated by the bankers.

The client does not pay for the service if his monthly turnover exceeds 100 000 or irreducible balance more than 800 thousand. If they do not meet any condition, then the bank charges a fee - 3.5 thousand.

Platinum "VTB24 Impressions Card" from VTB24 Bank

VTB24 Bank its best platinum version "VTB24 Impression Map". Entertainment lovers can return up to 5% when paying bills in bars, restaurants, cafes, purchasing tickets to the cinema, theater.

Holders of a platinum copy of the "VTB24 Impressions Card" use it on the following terms:

• issue cost - 500 rubles;
• return 1% the cost of buying goods in stores, on Internet resources;
• service - 0 rubles;
• additional cards - 2 copies;
• free account statements;
• table reservation services.

Through VTB24 ATMs, cardholders withdraw money free of charge, at ATMs of other banks, the first 2 withdrawals per quarter are free of charge, the rest - 1% from the withdrawn amount, but not less than 300 rubles.

Debit Tinkoff Black from Tinkoff Bank

The Tinkoff Black variant is multi-currency. Consider the "ruble" version. The owners of such a card not only return funds for purchases, but the bank also monthly accrues interest on the balance:

• 7% - if the customer has made at least one purchase worth more than 3 thousand and there are less than 300 thousand on the account;
• 3% - if there are more than 300 thousand on the account or there was no purchase worth more than 3 thousand.

Other terms of use of Tinkoff Black:

• 5% - when paying for purchases of selected categories, their owner determines with the help of "Mobile Bank";
• 1% - charged for other purchases.
• service - 99 rubles monthly;
• SMS notification is provided free of charge;
• free replenishment.

Tinkoff Black holder participates in promotions Tinkoff bank, his partners, which allows you to return to the account from 3% to 30% amount of purchases made.

The best debit offer of Rosselkhozbank VISA Platinum "Capital"

Rosselkhozbank offers its customers a VISA Platinum "Capital" card. Its owners can multiply their money. You can connect both additional cards and virtual cards to VISA Platinum.

Key points of using VISA Platinum "Capital":

• validity - 3 years;
• the cost of servicing the main / additional option - 4.5 thousand;
• initial replenishment - 34.5 thousand;
• accrual of interest on the balance - from 1% to 5%;
• participate in the Harvest loyalty program;
• daily limit for ATM withdrawals - half a million.
• daily withdrawal limit at bank branches - 1 million;
• Monthly bank withdrawal limit 5 million.

PSB Planet Premium debit card from Promsvyazbank

Promsvyazbank issues a debit version of PSB Premium to adults. The first year the card is serviced free of charge, then - 599 rubles written off every month. Annual fee for each additional copy - 2 thousand.

Key points when using:

• gratuitous insurance of the client when traveling abroad;
• SMS informing;
• overdraft limit up to 600 thousand with a grace period 55 days;
• per annum on overdraft - 29,5% ;
• the possibility of blocking;
• cash withdrawal fees 0% in Promsvyazbank, 4,9% in other banking structures;
• use of PSB-Retail functionality.

Offer of Alfa-Bank MasterCard Platinum

This the best option for those who often travel often abroad. Alfa-Bank provides cardholders with services for booking air tickets, insurance, transfers to airports, railway stations. These clients are served by a personal manager.

Features of MasterCard Platinum:

• free cash withdrawal from ATMs abroad;
• replenishment - in any way;
• controlled by the Alfa-Click functionality;
• preferential currency conversion;
• SMS alert;
• accrual 8% per annum for the balance;
• participation in promotions, loyalty programs conducted by Alfa-Bank and its partners;
• fast clearance;
• free delivery of a new card by courier.

To make free online purchases, Alfa-Bank has introduced 3D Secure technology.

Offer of Rosgosstrakh Bank - Client card

This is the best instant issuance debit card of Rosgosstrakh Bank, which is issued/reissued for free for 10-15 minutes at any bank branch. In case of early renewal, the client pays 300 rubles.

The Customer Card holder receives:

• return 3% - when using the card in transactions at retail outlets, which are determined by the bank;
• cashback 1% - when paying for other goods.
• free service;
• access to the Mobile Bank software;
• automatic participation in loyalty programs;
• free account replenishment;
• free monthly account statements

Cashback users of the debit option receive until the 15th month following the month in which the expenses occurred. Bankers only count transactions that exceed 100 rubles.

What is a credit card and how is it different from a debit card?

A credit card is a card for buying on credit. Unlike a debit card that holds your own money, a credit card holds bank money. You can use this money to buy goods in stores and on the Internet. You can even transfer money to friends or family or withdraw cash from an ATM, but keep in mind that the bank will charge a fee for these operations.

How to choose a credit card?

When choosing, pay attention first of all to the amount of bonuses for purchases, the cost of service, the amount credit limit and privileges from the payment system.

At what age can you get a Sberbank credit card?

Any citizen of Russia between the ages of 21 and 65 inclusive with permanent or temporary registration in any locality of the country can apply for a credit card. The decision to issue a card and the size of the credit limit is made by the bank individually.

What is a pre-approved card offer and how do I know if there is one for me?

A pre-approved offer is an offer from a bank to issue a credit card with a pre-approved credit limit. If you have received such an offer, it means that the bank will most likely approve the issuance of the card.

To find out if there is a pre-approved offer for you, . If there is an offer, you will immediately see the approved credit limit and preferential terms. The card will be delivered to the branch of your choice.

How to start using credit card Sberbank?

After receiving the card, first of all, make sure that your name and surname in Latin transcription are correctly indicated on its front side. Then put your signature on the reverse side in the signature line.

To start using the card, you need to activate it. Create and set a PIN code - a bank employee will tell you how to do it. Once the card is activated, you will be able to make purchases

How to pay by card in stores and on the Internet?

In the shop. Tell the cashier that you are going to pay by card. Insert card into payment terminal and enter your PIN. If you have a card with contactless payment, just present it to the payment terminal. Purchases over 1,000 rubles require a PIN code. The cashier may also ask you to sign the check.

In the Internet. On the payment page in the online store, enter the card details. To confirm the payment, an SMS with a code will be sent to your phone. Be careful: you do not need to enter a PIN code when paying on the Internet - this is dangerous.

How to pay interest on a Sberbank credit card?

Percentage for use loan funds deducted from the card automatically, so you do not need to do anything special for this. But if you manage to return the money within the grace period, which lasts from 20 to 50 days, you will not have to pay interest.

How to avoid credit card interest?

To avoid paying interest, try to pay back the purchase debt during the interest-free period.

For example, the report date for your card is October 1, which means October 2 begins Grace period. If you made a purchase on October 2, you have 50 days to repay the loan without interest, that is, until November 21. If you make a purchase on October 20, then 32 days remain until November 21 to pay off the full amount of the debt without interest.

Which transactions are not covered by the grace period?

The grace period does not apply to the amount of cash withdrawal transactions, transactions in casinos and sweepstakes, payment for online games, the purchase of foreign or cryptocurrency, traveller's checks, lottery tickets, non-cash transfers, including transfers to electronic wallets, as well as amounts exceeding the limit loan.

Where can I find the date of the credit card report?

There are three ways to find the date of a credit card report:

On a credit card report. The card report is sent monthly by e-mail on the next day after the date of the report.

IN personal account Sberbank Online. In the "Cards" section, select a credit card, and then open the "Card Information" tab.

Call the 24/7 call center on any of the numbers: 900- for subscribers of MTS, Beeline, Megafon and Tele2 in Russia. Free when you are in your home region and in intranet roaming.

8 800 555-55-50 (free in Russia)

+7 495 500-55-50 (for calls from anywhere in the world)

How to top up a credit card?

There are several ways to top up a credit card:
1. Translate from salary card to Sberbank Online or through an ATM.
2. Top up the card in cash through an ATM or with the help of an employee at the Sberbank office.
3. Transfer from a card of another bank to, as well as in the Sberbank Online mobile application.
4. You can replenish a blocked credit card in or make a transfer from an account of a third-party bank.

Crediting the transferred amount to a credit card in the Bank's internal network - from 15 minutes, but no later than the next business day.
Replenishment from cards / accounts of third-party banks - no later than the business day following the day the funds are received by the bank.

Is it possible to transfer money from a Sberbank credit card?

Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - yours or any other client.

Please note that a commission is charged for a transfer from a credit card in accordance with the Bank's tariffs, including when transferring own funds. .

How to increase the credit limit on the card?

The decision to increase the credit limit is made by the bank. If you actively use the card, the bank may decide to increase the amount of the credit limit. If you have not used your credit card for a long time or have not used it actively, the bank may offer the client to reduce the limit on the credit card. Such offers usually come in SMS.

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Currency transfers abroad

When transferring money abroad, pay attention to the commission, the term for crediting funds and security guarantees. There are three main ways: through a bank, using electronic payment systems or international systems fast transfers. Let's talk about the pros and cons of these options.

• Not like everyone else: bank cards with creative design

  The desire to stand out, to possess something non-standard is typical for many people. Bank cards are no exception. Financial institutions, capturing the needs of customers, produce plastic with an exotic design. We will talk about such cards in this article.

• Concierge service: as a personal assistant

  The life of business and just active people is filled with interesting and important events. And sometimes they have neither the desire nor the opportunity to engage in routine or spend time searching for the necessary information. In such cases, assistants, secretaries and concierge service come to the rescue. We will talk about it in this article.

• How to pay for a purchase in a store without money and a card

  Apple, Google and Samsung Pay have already ceased to be perceived as a curse. Most people who have a smartphone and a superficial understanding of banking products have heard of these contactless payment systems for purchases. We will tell you how to get access to technologies in this article.

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Aeroflot Bonus: savings and comfort

“Fly with Aeroflot planes!” - called advertising from the times of the USSR, as if people had a choice. Now there really is a choice, and airlines, operating in a competitive environment, use various marketing techniques to retain and expand their customer audience. One of them is Aeroflot Bonus, which we will discuss in this article.

• RZD Bonus: travel with benefits for the wallet

  The railway, despite the growing competition from road and air carriers, is used by many. But not everyone knows that traveling by train can be made not only pleasant, but also profitable. Russian railways(Russian Railways) encourage passengers, and we will tell you how to use this in the article.

• What is an individual pension plan

  Medium insurance pension for a non-working pensioner as of January 1, 2020 is 16,500 rubles. Agree - the money is more than modest. One of the ways to increase the level of income for a future pensioner is to issue an individual pension plan(IPP).

• Free Pies with Delicious Toppings: Debit Cards with No Service Fees

  Often, debit card holders have to pay a service fee. To compensate for these costs, many are looking for plastic with bonus programs, cashback and interest on the balance. However, there are also such cards for which the service is free. Let's talk about them in this article.

• MCC: "kitchen" of rewards on plastic cards

  In the conditions of many plastic cards, banks include cashback and participation in discount (bonus) programs. Holders are rewarded for certain transactions, usually for paying for purchases. You can find out which trade and service enterprises (TSEs) participate in programs and promotions using the MCC, which we will discuss in this article.

• 5 ways to transfer money without commission

  Money transfers are one of the most popular financial services. A fee is charged for such operations. However, this is not general rule. There are several ways to transfer money without commission, we will talk about them in this article.

Underwater rocks

7 mistakes that cardholders make over and over again

Plastic cards in Russia are used by tens of millions of people, and at first glance, this does not require special talents and is available to anyone. But holders with enviable regularity step on the same rake, for which they pay out of their own pocket. We talk about these errors and how to avoid them in the article.

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10 life hacks for Alfa-Bank clients

When making a deposit, card or loan, many Alfa-Bank customers do not have full view about the capabilities and limitations of a particular product. In this article, we will talk about how to get the most out of what the bank offers, bypassing the pitfalls.

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Where, besides insurance companies, you can impose insurance

Insurance companies are fighting hard for customers, using a variety of marketing techniques. One of them is the promotion of insurance products through partners. The policy can be issued without even knowing it. We found 5 insurance traps that everyone is at risk of falling into.

• SMS informing: peace of mind for free and for money

  When choosing a banking product, SMS service, as a rule, is not among the priority factors influencing the decision. However, in-depth knowledge about this service will be useful. In this article, we present the results of a study of the cost and functionality of SMS informing offered by Russian banks.

• Received money by mistake. What to do?

  Money comes to us in different ways, and, as a rule, people do not have questions about where and for what. A salary, a lottery win, or an inheritance are all expected or at least explainable income. But sometimes money falls like snow on the head - it is not known from whom or in a larger amount than it should be. What to do in this case?

• How to take money on a trip

  In a nearby city or at the mouth of the Amazon, the loss of a bank card can significantly ruin your vacation. Instead of taking pictures of caimans and walking through unfamiliar forests, you will have to deal with an empty wallet. Avoiding this is easy if you prepare and store money properly.

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How to save on conversion and exchange rates abroad

In the 90s, grandmothers sewed banknotes into secret pockets of suitcases and thus protected money from theft. Now, before a vacation, you have to take into account exchange rates and payment system bank card. We tell you how not to lose a lot of money when paying for purchases and withdrawing cash abroad.

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How to check the authenticity of the new 200 and 2000 rubles

In 2017, Russians voted to place Crimea and Vladivostok on new banknotes in denominations of 200 and 2000 rubles. Banknotes are already in circulation and are noticeably different in design from the usual money. Cash is provided with special signs of authenticity, which are verified through mobile app"Banknotes 2017".

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Creative commercials for banks: hype, banter and 18+

Tired of reading yet? Take a break and enjoy a selection of funny and creative videos from Russian banks. You definitely don't want to miss this ad.

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11 TinkoffHacks for users of the largest online bank

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Eat, drink, get cashback. Top cards with bonuses in restaurants

"Tell me what you eat and I'll tell you who you are" is a popular catchphrase. Our editors agree with this one hundred percent. We will even go further. Tell us how you pay at restaurants and we'll tell you how much you save. We present the rating of bank cards for profitable purchases in cafes and restaurants.

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The one and only: a card with an individual design

Every person is unique. The desire to stand out from the crowd is manifested not only in clothes and tastes, but also in the design of bank plastic. Let's find out how much individuality costs and how to get yourself such a "pleasure".

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Biometrics to the masses: how banks will identify your identity

The Unified System for Biometric Identification and Authentication (ESIA) of customers has been operating in Russia since July 1. According to representatives of the Bank of Russia, by the end of 2018, 20% of bank branches will connect to it, and the process will be completed next year. Let's talk about what this means for our clients.

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How to return an erroneous payment

It is difficult to say how much money Russians regularly transfer to other people's accounts by mistake. But this situation is familiar to everyone: if you make a mistake with one number in the details or write the wrong letter in the name of the organization, and the money will go “nowhere”. But you can get back the lost funds. And it is necessary.

• Discounts, bonuses and quests: loyalty program for Troika owners

  Nearly 90% of passengers public transport Moscow has Troika. At the beginning of 2018, information appeared that it would start soon bonus program for cardholders. In June, the project started working. We found out what bonuses and discounts Troika owners now have and what people think about the program.

• Financial literacy is the correct disposal of money, in which the risk of losing them is minimal. We decided to make a series of articles in which we will tell you how to protect yourself from mistakes, as well as how to use banking products correctly. Today we will talk about what not to do.

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"Mobile" cards from mobile operators: which one is better

Spoiled customers of the company offer more and more new services. Mobile operators do not lag behind fashion, and issue bank cards for subscribers. How profitable it is and which plastic is better, we will consider in the article.

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"Star" advertising: celebrities who promote banks

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Buy profitably: 5 cards to save money in supermarkets

Luxury real estate is bought by a few, but bread and milk are needed every day. We constantly leave thousands of rubles in supermarkets. With what plastic it will be possible to save on the purchase of products, we will tell in the article.

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All for the match! Cards for football fans

The biggest sporting event of 2018, the FIFA World Cup, has come to an end. Russian fans should not be upset, because soon they will see their idols again at the Premier League games. And in anticipation of the opening of the new season, we decided to do a little research to help readers buy stadium tickets at a bargain price.

• What to do with torn rubles

  A banknote with stains, scuffs and painted faces may not be accepted in a supermarket or bus. But you should not throw it away - the bill is considered solvent.

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How to save money on buying gasoline by paying with a card

In April 2018, gasoline prices skyrocketed. And although now the cost of fuel has stabilized, the issue of saving when buying it remains relevant. By choosing the right bank card, you can return up to 10% of the cost of gasoline. How to spend less when refueling at gas stations, we will tell further.