Comparison of debit cards. The most profitable debit cards

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In the article we will compare debit cards.

This product is by default one of the most accessible banking instruments. Banks rarely refuse to issue cards. The most common reason for refusal is, as a rule, the lack of citizenship, along with a mismatch with the category of holders for which the plastic is specifically intended.

Otherwise, there are practically no restrictions. A really large number of seemingly similar proposals makes the final choice more difficult.

Tough choice

It is extremely difficult for those who wish to receive a card to decide on a product so that after its registration and receipt they will not regret their choice. In this regard, the comparison of a debit card issued by different banks in the current year is a necessary, and at the same time, an effective measure, which is designed to facilitate the procedure for selecting the final product.

Cashback Cards

Cash back is the most pleasant addition tothe main options of such cards. Users can spend their own funds, for which the banking structure will return part of the spent amounts to their personal account. Accrual is made both for all purchases made and for purchases within the designated partner networks.

The last option is considered more profitable, since the bank and retail outlets have an agreement according to which the parties can receive additional benefits. At the same time, the clients themselves do not stand aside, since the financial institution returns them increased, that is, the maximum percentage of the amount spent.

What is good about a debit card, many people are interested.

If we analyze the conditions of the cards specifically for this indicator, then the amount of returns is very important here along with the number of trading partners, the range of purchases for which cashback is credited, and so on.

Any suggestions?

According to these criteria, the following options are distinguished:

• Cash Back offer from Alfa-Bank.
• The All At Once card provided by Raiffeisenbank.
• “Card number one” from Eastern Bank.
• Offer "Cozy space" from "Rocketbank".
• Multicard from VTB Bank.
• Plastic called Card Plus from Europa Bank.
• Tinkoff Black card from the popular Tinkoff financial structure.
• The "Cumulative" program from"Russian Mortgage Bank".
• "Smart card" from the financial institution "Opening".
• Touch Bank card from the financial institution of the same name.
• Plastic "Classic" from Sberbank.

The best debit card can be hard to find.

Each of these products listed above has a standard program and special offers. In particular, such a mechanism is used by Tinkoff, Sberbank and Rocketbank banks. The latter are offered an increased amount of cashback in cases of an increase in annual service fees.

It is also worth noting that in the process of comparing the presented cards, it is possible to find out that today all of them are interchangeable and the most profitable, taking into account the needs of customers. The remaining subtleties when choosing already depend directly on the individual requests of a particular cardholder.

Charging interest on the balance

Let's continue comparing debit cards. Some of them involve the accrual of interest on the balance of funds.

This option allows you to receive additional earnings in cases where there is a certain amount on the card balance by the end of the period indicated by the financial institution. According to the terms of user agreements, the bank accrues interest from the available amount to customer accounts. These organizations use different accrual schemes. In the vast majority of examples, they are provided only in cases where, during a certain period of time, holders spendthe amount that was set by the bank as the minimum.

For example, there are fifty thousand rubles on the card balance by the end of the reporting period, which are recognized as the card balance. The notional financial institution will accrue the agreed interest on this amount if the user has spent thirty thousand in the past thirty-day period. If such a requirement is not met, then, accordingly, no interest is charged.

There is one more thing to keep in mind when comparing debit cards.

Restriction on the amount of the balance

A very common condition is the limit on the amount of the balance for calculating interest. Banks set the maximum threshold for which accruals are made. Amounts above the established thresholds will not be taken into account in calculations.

It is worth giving an example: the bank has set a maximum threshold for interest accrual in the form of one hundred thousand rubles, provided that during the billing period, purchases were made on the card for an amount of at least half of the specified amount. At the same time, when, for example, there are one hundred and seventy thousand on the balance sheet, then the surplus will not be taken into account. Thus, according to the criterion for accruing interest on the balance of interest, as part of the choice today, it is worth paying attention to the following products:

• Plastic "Smart Card" from the banking organization "Opening".
• Cosmos card from Home Credit Bank.
• Tinkoff Black card from Tinkoff financial institution.
• Offer "Growth Map" from Transcapitalbank.

Now let's find out which of the payment instruments are recognized as the best debit cards.

Most profitable cards

If we take into account all the necessary criteria when choosing a debit card, then it is worth mentioning the following payment instruments, which are considered the most profitable this year, according to most customers.

• Card "Bright" from the bank "St. Petersburg".
• Card Plus offer from Credit Europe.
• Plastic "Cozy Space" from Rocketbank.
• Plastic called "Maximum income" from Loko-Bank.
• Offer "Bank in your pocket Gold Promo" from the structure "Russian Standard".
• Card "Savings account" from "Post-Bank".

Such cards are rightfully called a good alternative to bank deposits. The difference really exists, because by placing deposits in any of the financial institutions, clients lose access to their funds for the duration of the agreement.

Below we will compare debit cards "Tinkoff" and "Alfa-Bank".

What are the advantages of cards from Tinkoff and Alfa-Bank

One of the most successful cards from Tinkoff today is Tinkoff Drive plastic. This fresh offer is suitable for those who spend a lot of time behind the wheel. The holder of this plastic is provided with the widest choice of cashback forpurchases not only at gas stations, but absolutely for everything related to cars, roads and even fines and other expenses for personal transport.

Any other purchases to the client will also be returned to the card in the form of one percent of any expense absolutely for every hundred. That is, when the purchase is less than one hundred rubles, then the cashback is not credited, and if it is one hundred and fifty, then exactly one ruble will be returned to the card. For all other cards of this bank, cashback is credited according to a similar principle.

Alfa-Bank's one of the best offers today as opposed to Tinkoff's products is a debit instrument called Alfa-Karta. This tool is innovative and has dual capabilities, since it has two sides at once: it is both credit and debit at the same time. Thus, in this regard, this payment product is significantly ahead of offers from Tinkoff Bank. Why order two cards for release when you can use one with a dual purpose, and even a hundred days without any interest on the loan for making purchases and cash withdrawals. The conditions for this offer are as follows:

• Availability of a rate of twenty-four percent.
• Increased discount on the credit side of Gold.
• Service for only five hundred rubles a year.
• Availability of a free mobile application called Alfa-Mobile.

These are pretty good debit cards.

What is good about a gold card from Sberbank?

Based on the income of their clients, their general solvency,The leading Russian bank issues a card product of three categories: entry-level, classic and premium. Among the latter category, the Sberbank gold debit card is very popular.

The conditions for its provision are:

• Valid for at least three years.
• The currency is the ruble along with the euro and the dollar.
• Annual customer service costs three thousand rubles. And in the first year, the special promotion is only one and a half.
• Availability of free connection and use of mobile banking.
• Free reissue.
• Providing a cash withdrawal limit: three hundred thousand rubles a day and three million a month.
• Debit products participate in the "Thank you" bonus program, that is, up to twenty percent of the cost is returned as bonuses to the account when making purchases.

How to use a debit card?

Banking institutions offer a wide range of different financial products, of which debit products are among the most popular. They mainly serve as a tool for accessing personal bank accounts.

• Getting cash from ATMs or cash desks of a financial institution.
• Implementation of non-cash payment for goods and services in trade and service enterprises.
• Pay fines, taxes, utility bills and other services.
• Get income.

What are the main expensesdebit plastic holders?

What does a debit card entail?

Costs are generally as follows:

• Holding an annual account maintenance fee.
• Write-off commission for cash withdrawals at ATMs (charged in most situations when withdrawals are made at third-party ATMs and amounts to about one percent).
• Charging a conversion fee (charged when the transaction currency does not match the account).
• Providing a fee for SMS informing (approximately fifty rubles per month, in some banks this service is free).

Safety rules for use

The security rules for using such cards are as follows:

• PIN-code is a unique identifier, it is forbidden to transfer information about it. You cannot store such a code with a plastic card.
• Control of incoming messages.
• In case of any alarm situations (for example, a call from a call center with a request to provide information about the owner and a one-time password), you should call your contact center at the number indicated on the plastic and double-check the information.

It should be noted that bank employees have no right to request a code, since all information is stored in the database. To use the mobile application, you must install an antivirus. In conclusion, it should also be said that we must not forget to turn off in yourpersonal account extra services that are installed automatically when the card is activated. For example, SMS alerts.

We did a debit card comparison.