Bank cards with interest on the balance of own funds

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

It is convenient and profitable to accumulate funds using deposit and savings accounts. True, you can’t take this money into account: they become available only after a certain period of time. To ensure that the funds were always at hand, and even increased, bank cards were developed with interest on the balance. Otherwise, they are called profitable. We will learn about the percentage of popular debit cards and the conditions for their use from the article.

What is this?

Few people know about the existence of income cards and the principle of their operation. In fact, this is an ordinary settlement "plastic", the owner of which receives a reward from the bank with the balance of funds in the account. Income is accrued monthly based on the annual interest rate and the amount on the card. In some cases, to getrewards are required to meet certain conditions.

Cards with interest on the balance of own funds - a convenient product for those who prefer not only to use money, but also to accumulate it. The undoubted "plus" of such a product is free access to its own resources. If according to deposit programs it is profitable to withdraw money after a certain period of time, then the income card can be used without restrictions. Interest is charged whenever the account balance is positive (or reaches a certain amount).

Not every financial institution produces profitable "plastic", but with the growing demand for them, more and more interesting offers appear. Consider the most popular debit bank cards with interest on the balance of funds.

Sberbank

The organization offers many deposit programs with different terms and conditions. But it is card products that are not endowed with the function of accruing remuneration. The only exception is a pension social debit card with interest on the balance. Sberbank rewards holders at a rate of 3.5% per annum, and the calculation is made daily. The amount is credited to the card once a month.

The interest rate is low, but nevertheless the social card has its advantages:

• maintenance and issuance of the card is free of charge;
• there is a program "Thank you from Sberbank" in the form of cashback with bonus points;
• it is possible to issue an additional card;
• accrual interest daily;
• withdraw funds from bank terminals without commissions;
• participation in bonus programs from the MasterCard payment system.

A debit card with interest on the balance will become a convenient and profitable means of receiving a pension. Sberbank offers reasonable service conditions and a small monthly fee.

Map "Opening-Rocket"

Bank Otkritie, based in Khanty-Mansiysk, at the end of 2015 presented a new co-branded card Otkritie-Rocket. Individuals can order a product at one of two rates: "All Inclusive" and "Cozy Space".

Moreover, the latter is absolutely free and guarantees a good percentage of remuneration. Cards with accrual of interest on the balance of Otkritie-Rocket are serviced by the MasterCard payment system. Standard "plastic" class - World.

The table shows the conditions of tariff plans for income card:

"Otkritie-Rocket": terms of service and use

Service, type of operation	"Cozy Space"	All Inclusive
Annual maintenance fee	Free	290 RUB per month
Interest on the balance of funds	8% per annum
Cashback	10% when paying by card at "favorite" establishments, 1% on all categories of purchases
Withdrawal fee	5 withdrawals without commission, then 1.5%	10 withdrawals without commission, then 1.5%
Translations	Within the bank for free, to cards of other organizations - with a commission of 1.5% (minimum 50 rubles), to other banks - 5 free transactions	Within the bank and to cards of other organizations, as well as 10 transfers to other banks for free
Card replenishment	No commission
Additional services	Free Mobile Banking, SMS Info, Push Notifications	Free mobile banking services, push notifications. "SMS-info" - 50 rubles. per month

To accrue 8% per annum, the cardholder does not need to fulfill any conditions. The reward is always paid, regardless of the size of the positive balance on the account.

Cashback card of Alfa-Bank

The profitability of this "plastic" directly depends on the activity of the holder. Card class - MasterCard World. If transactions are made regularly, a bonus is accrued in the amount of:

• up to 8% - on the balance, transferred to the savings account;
• 5–10% - cashback for purchases at gas stations and spending on restaurants and cafes.

The cost of suchsettlement "plastic" depends on the package of services that the client has chosen. Card maintenance is 1200 rubles. in year. An additional fee is charged for the established tariff plan. For example, the Optimum service package costs 1929 rubles. in year. But if the balance on the owner's account exceeds 70 thousand rubles, then servicing the card along with the tariff plan will be free.

Offers from Tinkoff

This bank with an unconventional approach to customer service is pleased to offer several options for income cards at once. The most famous of them is Tinkoff Black of the MasterCard World or Visa Platinum class (at the client's choice) with the Cashback function for all purchases and a reward for the balance. The condition for receiving remuneration is making payments per month in the amount of 3,000 rubles. If this requirement is met, the cardholder is charged 8% per annum. If the amount on the account exceeds 300 thousand rubles, the percentage is reduced to 4.

Other debit cards with interest on the balance and cashback Tinkoff co-branded: Aliexpress, OneTwoTrip, Svyaznoy-club. Reward for purchases is credited to them in the form of bonuses that can be spent at a bank partner. The percentage of cashback varies from 1 to 30 depending on the category of goods. The annual maintenance of the cards is 99 rubles. per month, but with a sufficient balance on the account, banking services are provided free of charge.

Income card "Bank in your pocket"

CJSC "Russian Standard" issues a series of debit cards of different classes with accrual4-8% on the balance of funds. Products have a standard package of services corresponding to the type of "plastic". The series includes 5 categories of "Bank in your pocket" cards:

1. Classic - remuneration of 4-8% is charged on the balance up to 300 thousand rubles. Maintenance cost - 900 rubles. per year (free of charge when storing from 30 thousand rubles).
2. Gold - 8% is charged on the balance up to 1 million rubles. Maintenance of the "gold" card - 3000 rubles. per year.
3. Platinum - the cost is 10 thousand rubles. in year. 8% on the balance of funds, access to premium programs from payment systems.
4. Travel Premium - MasterCard World worth 3000 rubles. in year. Remuneration is accrued only if the account balance is at least 30 thousand rubles.

Holders also have access to the "Bonuses and Privileges" program. Bank cards with interest on the balance of funds "Bank in your pocket" will please the owner with a cashback in the amount of 1-5%.

St. Petersburg Bank

PJSC Saint-Petersburg is the largest regional bank that issues some of the most profitable income cards. The remuneration rate ranges from 5 to 10%. True, not every client can get an increased percentage. To pay 5% of the remuneration, it is required that a minimum of 50 thousand rubles be continuously kept on the account. If the condition is met within two months, for the third billing period, the cardholder already receives 10% per annum. The rule is valid for all types of cards, including:

• "Bright" - MasterCard World.
• Visa (MasterCard)Unembossed.
• Visa Classic or MasterCard Standard.
• Visa Gold or MasterCard Gold.
• Visa Platinum or MasterCard Platinum.

Cashback is 0.5% except for MasterCard World (1-2%).

Offers from other banks

The popularity of increasing funds using debit cards is growing every day. In response to this, more and more banks offer their programs. What other cards can be issued for savings? Consider them in the table:

Bank cards with interest on the balance of funds

Name	Issuing bank	Class	Interest on balance	Cashback	Minimum balance, rubles
MTS Money	"MTS Bank"	MasterCard Unembossed, Standard, Gold, World	6-7, 5%	3 %	From 1000
Card "Number One"	"Oriental"	Visa Classic	2-7, 5%	1, 5%	From 10k
"Good News"	Home Credit	Visa Gold	3-7.5 %	No	Not Installed
"Piggy bank"	Uralsib	Visa Unembossed, Visa Classic	4-7 %	1 bonus for every RUB 25	From 15k
"Pension"	"Binbank"	Visa Classic, MasterCard Standard	7 %	1-5 %	Not Installed
"Capital"	Rosselkhozbank	Visa Classic, MasterCard Standard	1–7 %	No	For maximum reward - 30k
"Income Card"	"OTP Bank"	MasterCard Unembossed	0, 1-7 %	No	Not Installed
"Your PSB Premium"	"Promsvyazbank"	MasterCard World	Up to 7%	1-10 %	From 100 thousand

Most cards bring good income if the funds are continuously kept in the account. At the same time, it is enough to save about 20 thousand rubles in order to consistently receive remuneration.

Cards with accrual of interest on the account balance is a convenient and profitable banking product that allows you not only to use all the privileges of the payment "plastic", but also to accumulate funds.