Which is better to issue a debit card: choice of bank, conditions, advantageous offers

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

In the article we will figure out which debit card is better to issue.

Every year, cash transactions are becoming less popular and are giving way to non-cash payments. Recently, more and more people are faced with choosing the best debit card with favorable conditions.

Useful products

Banking organizations present their products, making the most profitable offers to customers.

Debit cards from Sberbank are popular. It is not easy to decide which one is better to issue.

The choice is so wide that you can pick up a card for absolutely any person - whether a teenager, a travel lover or a person who often makes purchases in online stores. Below we will consider the most advantageous offers of banks.

So, which debit card is better to get?

Visa Premier

The "Visa Premier" card is the best debit card provided by Sberbank. This card givesthe holder the possibility of significant savings. Customers can receive discounts of up to 3% on services and goods determined by the bank. In other cases, the benefit will be 1%.

Which debit card is better to issue at Sberbank, they often ask.

The specified debit product can be received by persons who are current customers. The card has its own characteristics:

1. It is valid for 3 years.
2. You can cash out up to half a million rubles per day.
3. You can cash out up to 5 million rubles within a month.
4. If the card is the main one for the bank client, then its maintenance will cost 4900 rubles annually, if the card is additional, then the cost of maintenance will be reduced to 2500 rubles.
5. You can reissue the card for free.
6. The card can be linked to an electronic wallet.
7. There is an additional service - SMS informing.
8. Provides access to the services and functionality of "Mobile Bank", "Sberbank Online".
9. The possibility of providing an overdraft is decided on an individual basis.
10. The opportunity to participate in the loy alty program from the issuing bank "Thank you".
11. Possibility to use the accumulated Thank You bonuses to pay for hotels and air tickets (if the booking is made through the Thank You website).

Product maintenance fee is not charged if the monthly card balance is less than 2.5 million rubles.

Which bank debit card is betterissue, you will have to decide on your own.

Smart Card

"Smart Card" is a product of the bank "Opening". This debit card is a solid leader in the ranking of the best debit cards and is the best cashback card. The amount of cashback directly depends on the amount spent by the client of the bank - the higher the spending, the higher the percentage:

1. With monthly expenses on the card up to 30,000 rubles, 1% is returned to the client as a cashback.
2. If spending is more than 30,000 rubles, then the cashback increases to 1.5%.

The terms and conditions for using this debit product are as follows:

1. Valid for 4 years.
2. It is possible to install "TeleCode" by yourself.
3. The balance of the money on the card is charged interest in the amount of 7.5%.
4. Monthly payment for SMS informing is 59 rubles.
5. If card expenses are more than 30 thousand rubles, card service is free of charge, otherwise it will be 299 rubles for each month.

We continue to figure out which debit card is better to issue.

Visa Signature

This debit product is provided by SKB Bank and is a premium card. It is designed for those customers who pay for services and purchase goods, both on the territory of the Russian Federation and in other countries.

Customers are attracted, first of all, by accruals on the cash balance on the card, which amount to 7.9%, which is much more than inother financial institutions. In addition, cardholders have the opportunity to receive cashback in the amount of 1% of the amount spent from the card. Cashback is credited every month.

In addition, the following conditions are provided to holders:

1. SMS informing.
2. Free card issue with custom design.
3. Free insurance for the cardholder for the period of stay in other countries.
4. Free card replenishment, release.
5. Getting account statements for free.
6. The amount of the maximum monthly cashback is 50 thousand rubles.

When returning purchased goods to the seller, this amount is deducted before cashback is calculated.

MasterCard Black Edition

When choosing the most profitable debit card, you should pay attention to the product provided by the Moscow Industrial Bank. This card is multi-currency, and provides for the accrual of cashback for paying bills with this card:

1. 1% of funds spent in retail and service businesses.
2. 5% of funds spent in restaurants, Duty free, bars.
3. 10% of the funds spent at gas stations.

The terms and conditions for using this debit product are as follows:

1. The card automatically participates in loy alty programs initiated by bankers.
2. During the year, you can make 5 free cash withdrawals at ATMs located anywherepeace.
3. The cardholder gets access to an increased loan amount - up to half a million.
4. Free access to the functionality provided by the bank.
5. Free issue of up to 5 additional cards.
6. The card is valid for 2 years.
7. If there is more than 300 thousand rubles on the debit account, 8% is credited to the balance.

If the minimum balance on the card is 800 thousand rubles or the monthly turnover on the account is from 100 thousand rubles, the card service is provided to the client free of charge. Otherwise, you will have to spend 3,500 rubles a year for this service.

Which debit card is better to issue, you can check with a bank employee.

Impression Map

This platinum card is provided by VTB24 bank and provides for cashback up to 5% of funds spent on entertainment: buying tickets to theaters and cinemas, paying bills in cafes, restaurants, bars.

You can use a platinum card under the following conditions determined by the bank:

1. Free table reservation service.
2. Providing free account statements.
3. Possibility of issuing two additional copies of cards.
4. Free service.
5. Accrual of 1% cashback from the amounts spent on the purchase of goods (including in online stores).
6. Issuing a card will cost 500 rubles.

Not everyone knows which debit card is better for a teenager.

You can withdraw funds from the card for free at VTB24 ATMs. ATother ATMs can withdraw money for free twice a quarter, after which the payment for the service will be 1% of the cashed amount, but not less than 300 rubles.

This debit product will be of interest to teenagers who spend a lot of money on entertainment.

Which Tinkoff debit card is better to issue (according to reviews)? Let's figure it out.

Tinkoff Black

This version of the card provided by Tinkoff Bank is multi-currency. If the card is in rubles, then its holders are given the opportunity to return part of the funds spent. In addition, on a monthly basis, the bank accrues interest on the balance of funds:

1. If the balance on the card is 300 thousand rubles, but the buyer has not made a single purchase in the amount of more than 3000 rubles, then the accrual will be 3%.
2. If there are less than 300 thousand rubles on the card, but purchases worth more than 3000 rubles were made, then 7% will be charged.

Which debit card "Tinkoff" is better to issue - the question is relevant today.

There are other conditions for using this debit product:

1. You can top up the card for free.
2. Free SMS informing.
3. Monthly service costs 99 rubles.
4. On other purchases, 1% is charged.
5. If the buyer makes purchases in the categories selected in the mobile bank, the cashback will be 5%.

All cardholdersautomatically participate in banking loy alty programs, which allows you to receive cashbacks in the amount of 3-30%.

The answer to the question of which bank debit card is better to issue will depend on many factors.

Visa Platinum "Capital"

This product is the best offer provided by Rosselkhozbank.

The holders of these cards get the opportunity to increase their money. You can connect real and virtual additional cards to the card.

Among the main conditions for using the card are the following:

1. You can cash out up to 5 million rubles in a bank per month.
2. You can cash out up to 1 million rubles per day in bank branches.
3. One can cash out up to half a million per day at ATMs of the bank.
4. Automatic participation in the Harvest loy alty program.
5. 1-5% credited to balance.
6. At the initial replenishment, you need to deposit 34.5 thousand rubles on the card.
7. Maintenance of each main or additional card issued will cost 4.5 thousand rubles annually.
8. The card is valid for 3 years.

Planet Premium

This debit product is provided by Promsvyazbank. Only adults can apply for this version of the card. During the first year of use, card maintenance will be free, after which the fee will be 599 rubles, which will be debited monthly. For each additional cardyou will have to pay 2000 rubles every year.

Among the key points of using the card should be noted:

1. Using PSB-Retail functionality.
2. In ATMs, branches of the issuing bank, you can cash out funds free of charge, in other cases, the service fee will be 4.9% of the amount of cashed funds.
3. Possibility of card blocking.
4. Overdraft charges will be 29.5%.
5. The overdraft limit is up to 600 thousand rubles, the bank provides its customers with a 55-day grace period.
6. SMS informing.
7. Free cardholder life insurance when visiting other countries.

Which debit card is better to issue at Alfa-Bank?

MasterCard from Alfa Bank

This card is most suitable for those who often travel to other countries. The Bank provides holders of such cards with transfer services to train stations, airports, insurance, and ticket booking. In addition, each holder of this type of debit card has a personal manager.

The card has some usage features:

1. Free card delivery by courier.
2. Quick clearance.
3. Participation in bank loy alty programs and promotions.
4. Accrual of 8% on the amount of the balance on the card.
5. SMS informing.
6. Preferential terms of currency conversion.
7. The ability to manage a card account in Alfa-Click.
8. Free replenishment in any way convenient for the client.
9. Free cashout atany foreign ATMs.

Rosgosstrakh Bank client card

This card is the best option for instant issuance cards. You can issue it or re-register it at any branch of a financial institution, spending no more than 15 minutes on it. If early re-registration is required, you will have to pay 300 rubles.

The terms and conditions for using the debit product are as follows:

1. Get your monthly account statements for free.
2. Free replenishment of the card account.
3. Automatic participation in bank-initiated loy alty programs.
4. Free access to mobile banking.
5. Free service.
6. Accrual of 1% cashback on the amount spent on the purchase of goods.
7. Accrual of 3% cashback if the card is used in outlets specified by the bank.

Cashback is credited until the 15th day of each month following the month in which purchases were made. When calculating cashback, only those transactions are taken into account, the amount of which is more than 100 rubles.

So, which debit card is better to issue (according to reviews)?

User comments

Users of banking products note that there is no universal card suitable for every person. Any debit banking product has its own characteristics and is intended for a specific client. Before choosing a particular product, they advise to study the offers of several banks. However, asAs a rule, people prefer to choose the products of such well-known banks as Sberbank, VTB 24, Tinkoff, Alfa-Bank.

Which debit card is better to issue at Sberbank according to reviews?

Visa Classic / MasterCard Standard / "MIR Classic" card products represent the best combination of low cost of service with a wide range of available options.