2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Many people think that modern banks provide only debit or credit cards, but in fact there are those that provide for constant interest, and they are called "profitable". Cards of this type are offered today by a fairly large number of banks, and at the same time, each puts forward its own terms of cooperation. It is for this reason that many people begin to think about how to choose the right cards and use them in the future.
What is this?
Income cards are accounts on which the bank will constantly charge interest, depending on how much money is left in the account. It is worth noting that such a card itself is a credit or debit card, but interest is charged on the balance only in the case of a credit account.
Which to choose?
Today, income cards offer a wide variety of interest accrual schemes. Check them out below.
Monthly bonus
The rate in this case will directly depend on the total size of the minimum balance at the end of the month, as well as on what type of card is being considered.
The interest rate, as well as the balance requirements are quite diverse and directly depend on which bank you prefer. Thus, for example, in accordance with the terms of Promsvyazbank, this minimum is 15,000 rubles, for which the client will be given a bonus of 4.5%, while Binbank provides the opportunity to keep up to 10,000 on their account, and while making a fixed rate of 5%. On this example, you can understand very clearly how income cards change depending on the institution in which you prefer to issue them.
Daily bonus
In this case, the minimum amount of the balance must be met daily in order for the person to receive the bonus. In this case, the amount of interest in the vast majority of cases fluctuates between 8% and 10% per annum.
What is the benefit for the customer?
First of all, income cards of banks are a kind of alternative to the modern conditions of short-term deposits, while having a very, very pleasant interest rate. In addition, unlike a standard bank deposit, you always have the opportunity to withdraw money from your own account in order toto spend them on your needs.
Clients themselves in their reviews often say that profitable debit cards or credit cards always have certain conditions that it is not always possible to meet in order to have a decent income, but at the same time, the funds received in the vast majority of cases are quite enough to fully cover the cost of servicing or paying a mobile bank.
Next, we will consider the best options from banks so that each user can independently compare existing offers. In this case, it was used to select profitable cards, a rating based on user reviews.
Promsvyazbank
Promsvyazbank offers its customers a card called "All Inclusive", but in fact they are far from aware of what conditions are offered in this option and whether they correspond to their name.
The bank does not provide income-generating credit cards by themselves, and in accordance with this offer, the card can be a settlement or debit card. At the same time, the card uses contactless payment technology and an additional chip designed to provide increased security. It is worth noting the fact that despite the fact that this card does not provide for a credit limit, there is the possibility of obtaining several nice bonuses that allow you to get a nice income.
What are these bonuses?
First of all, it is worth notingcash back, which is 5%. Of course, such a refund is not carried out on any non-cash purchases, but only on those purchases that are made in a certain category. If necessary, you can change the category, such a procedure is carried out no more than once every three months. The maximum possible amount of remuneration is 1,000 rubles during the calendar month.
For those who received this card before November 1, it is possible to accrue interest on the balance. Everyone else can separately open a savings account in this bank, after which they will constantly receive 6% on the amount they placed in rubles.
Maintenance of the card is carried out completely or almost free of charge. Completely free service is provided if the permanent balance on your card is more than 50,000 rubles or if you make purchases worth more than 30,000 rubles a month. At the same time, it should be noted that the service fee is paid every month or once a year, depending on which option is more acceptable to you. For example, if a profitable bank card is paid immediately a year in advance, but at the same time, on average, you had the necessary expenses or a balance, then in this case the next move automatically becomes free for you.
Each owner of such a card automatically becomes a member of the PSBonus bonus program. For every 150 rubles spent, you get 10 points, equivalent to one additional ruble. You can redeem your points afterhow you spend 7000 points, which are used to pay no more than 90% of the total purchase price in one of the companies that are a partner of this bank. Among other things, you can also use bonus money to pay for the monthly maintenance of the card.
It is possible to issue two cards for relatives absolutely free of charge, and at the same time everyone will be provided with free SMS informing.
Rocketbank
The offer from Rocketbank is one of the best income cards among all offered today. This card is issued by Intercommerce Bank, and it is on this card that all the money that you will credit to the card will be stored. It is worth noting that it is at this stage that the participation of this bank completely ends, as a result of which a separate specialized team of IT specialists is already working. A high-quality smartphone application initially represented the main advantage that distinguished this bank, but over time, several more significant advantages were added to this card. Despite the fact that it is impossible to get a loan with this card, it is one of the best offers to choose from.
Cost
No matter how surprising it may sound for other countries, but in Russia to this day they take money so that a person can keep their own funds in a bank, but in this regard, Rocketbank also offers a lot of useful features and bonuses. At the same time, it should be notedthe fact that the maintenance of this card can be absolutely free if the user connects to the "Light" tariff, and monthly conducts transactions in the amount of more than 30,000 rubles. Everyone else pays 75 or 290 rubles a month.
Choosing the "Light" tariff, you get five free withdrawals from ATMs, as well as the possibility of making external transfers with a commission of up to 0.5%. In addition, from all purchases made by bank transfer, the client is provided with a flash back in the amount of 1%.
If the All Inclusive tariff is used, the cost of which is 290 rubles, 10 times the money is withdrawn without commission and sent to other banks without commission in the same way, while the reward for purchases made reaches 1.5%. Thus, if you spend more than 58 thousand rubles on the card every month, then an increase in "cashback" by 0.5% will allow you to completely cover this commission.
The same profitable Sberbank card gives only 3.5% on the balance, but there is no cashback here at all.
Revenue on balance
The conditions of this card allow you to receive income on the balance, the amount of which is 9% per annum, but at the same time, 30-300 thousand rubles must be present on the account. The minimum amount limit is not so attractive, since most other banks do not have it, but at the same time, compared to their direct competitors, Rocket gives a little more, so a mutually beneficial offer is formed.
Again, with every purchase you willreceive a certain part back if you spend them by bank transfer. At the same time, it is worth noting the fact that this card provides you with 1% from any purchases, while other cards allow you to save up to 5%, but only from a certain range of categories or with the forced need to purchase from certain companies.
Approximately similar in terms of annual rate is Binbank's income card, but again, it does not have such a pleasant cashback function, which is quite important from the point of view of profitability.
Main advantage
Despite the fact that according to its conditions this card is quite profitable, as mentioned above, its advantage is the ability to manage your own funds through a standard iPhone.
With the help of a specialized application, you can group your own expenses into categories, and then easily monitor where your budget is being used. At the same time, the user has every opportunity to independently put down tags that will be the most optimal for him. Among other things, there is also a joint budget function, when several cards are combined into a complete network.
Also, this bank offers an absolutely unique transfer system, when you simply select a name in a notebook, then enter the amount and send funds. Then the recipient receives an SMS message, with the help of which he himself can decide where the received amount will be credited - to a bank account or to a phone. If the clientpays 290 rubles a month, for him such messages are absolutely free.
Other options
In addition to these cards, other banks have a fairly large number of other offers. These cards are included in the list of the most optimal options among all existing today, however, you may find more benefits for yourself in the offers of other banks.
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