Which bank is better to get a debit card. The best credit cards
In this life hack we will tell our review, which debit card is better to issue and why.
A debit card is a plastic payment card linked to your current account, on which your personal funds are usually stored.
Among the many bank cards and heaps of advertising, it is difficult to find a truly profitable product on the Russian market, and this is sad, because in most civilized countries, banks fight for each client, while being under the scrutiny of regulatory authorities, and at the slightest attempt to mislead the client or confuse him, get multi-million dollar lawsuits and fines. In our country, this is a super profitable business, with a minimum of responsibility and a maximum of loopholes for lobbying your interests. And even among a ton of uninteresting offers, we managed to find three options that might interest you, and at the end we will summarize and choose which debit card is better to get(all cards have been personally tested, and some are still in use to this day, but more on that later).
What debit cards to take
We have three contenders for the first place:
We have already reviewed all of them in separate articles and you can familiarize yourself with them by clicking on the links.
All these debit cards differ from the conservative Sberbank and others in that they have a number of advantages, such as cashback on purchases, interest on the balance, and other interesting features that we will evaluate in the pivot table.
A little explanation, green indicates the best condition for a certain parameter, orange is the average and red is the worst.
Table "Which is better to get a debit card"
Tinkoff Black |
Rocketbank UK |
Opening Smart |
|
Release |
Online. Is free. Delivered by courier. |
Online. Is free. Delivered by courier. |
|
Service |
Free of charge, subject to the presence of a permanent account of at least 30,000 rubles, in the current month, otherwise 99 rubles / month. |
Is free |
Free of charge, subject to card turnover (purchases), in the amount of at least 30,000 rubles in the current month, otherwise 299 rubles / month. |
Cashback and bonus program |
Standard 1%, maximum 30%. Product category system with increased cashback that adapts to your interests (but not really, you can read about it ), returned in rubles. |
Standard 1%, maximum 10% + discounts from partners up to 25%. The system of favorite places, with increased cashback. Returns in Rocketrubles, which can only be spent from 3000. |
Standard 1%, rises to 1.5% when you spend 30,000 in the current month. The bank provides one category of goods with increased cashback. Returned in rubles. |
Balance charge |
If you do not make purchases with a card, then 0%, if you made purchases up to 3,000 rubles, then 3%, if more than 3,000 rubles, then 7% |
Fixed 8% |
Fixed 7.5% |
Transfers from card to card |
Free to any card, any bank. |
Free of charge to the Rocketbank card, for the rest, the commission is 1.5%. |
Free on the Otkritie card, on the rest the commission is 1.5%. |
Transfers to r/account |
Is free. |
Is free |
Free for Opening accounts, for the rest, commission 1.5%. |
Replenishment of funds |
Is free |
Free from 5000 rubles, otherwise the commission is 1.5%. |
Is free |
Cash withdrawal |
Free from 3000 at any ATM. |
Free 5 times a month (you can remove the restriction by making the card payroll). |
Free up to 5,000 rubles per month (up to 50,000 rubles if you spend 30,000 rubles). |
affiliate program |
300 rubles for each friend who makes a purchase, for a certain amount on the card. |
500 rocketrubles for each friend who activated the card. Your friend will also receive 500 Rocketrubles. |
Not |
Application convenience |
Not convenient enough, lacking many features in the mobile application that are in the desktop one. |
Very convenient and fast. |
Very convenient and fast. |
Taken together, we can say that the obvious leader is Rocketbank, and we put it in the first place, and if you want to not only open it, but also get 500 rubles to the account, then go to and register the application. Tinkoff has a number of advantages, but there are many more disadvantages and hidden conditions, so it is only in second place by a wide margin. In third place is the experimental project Otkritie, with the least favorable conditions (they can afford a more conservative policy, because they are in the TOP 10 Russian banks). I think that after looking at this plate you will not have a question. which debit card to open.
Despite the fact that our choice fell on Rocketbank, you can draw completely different conclusions, then leave your comment why you think so.
Now you know which cashback debit card to choose. Leave your comments, with feedback, suggestions and wishes.
Finding the best profitable debit card is not an easy task. To choose the right offers, look at the cost of service, the amount of cashback and the interest on the balance. In this article, we will look at banks and their rating of debit cards:
Tinkoff Bank (Tinkoff Black)
Alfa-Bank (Cash Back card)
Raiffeisenbank (Visa Classic)
Sberbank (Youth card)
Promsvyazbank ("Your cashback")
VTB24 (Multicard)
Rosbank (#MozhnoVSE+)
Tinkoff Bank (Tinkoff Black)
This is one of the most popular debit cashback cards in the Russian Federation and neighboring countries. Monthly you can receive up to 10% cashback for a balance of up to 300,000 rubles. What is very important, cashback from Tinkoff is really a refund! Every month you receive money to your account, which you can dispose of as you wish.
TinkoffBlack cashback percentage:
- Cashback from regular purchases - 1%
- Cashback from three categories chosen by you personally - 5%
- Cashback from bank partners - up to 30%.
Additional benefits of Tinkoff Black:
- One card - four currencies. Make a multi-currency card and instantly change currency at your convenience;
- Favorable currency exchange. In Tinkoff Bank, the exchange rate is as close as possible to the exchange rate;
- Payment via phone. You can pay for all your purchases with Google Pay, Apple Pay, or Samsung Pay;
- Withdraw free cash without a card at Tinkoff Bank ATMs You only need a phone with NFC.
If you have a deposit or more than 30,000 rubles remain on the card. by the end of the billing period, then the maintenance of the "plastic" is completely free. In all other cases, the cost of maintenance is 99 rubles per month.
With the Tinkoff Black Edition premium card, you get Prime concierge, Alfred car concierge, travel insurance for 5 people with coverage up to $100,000, up to 10% cashback on accommodation bookings through Booking.com, 5% cashback on flights and 10 % for car rental. You also get access to Lounge Key airport business lounges.
Both cards are free to use within the limits set in the tariffs. Tinkoff Black Edition will be serviced free of charge if you spend at least 200,000 rubles on purchases from all accounts or if you keep at least 3 million rubles on Tinkoff card, savings, brokerage accounts and deposits. In other cases, maintenance of the Black Edition will cost 1990 rubles per month.
Alfa-Bank (Cash Back card)
The annual interest on the balance on the Alfa-Bank debit card is 6%.
Cashback conditions:
- 10% from gas stations;
- 5% from bills in catering establishments;
- 1% off other purchases.
Refunds are made with a total amount of purchases on the card from 10,000 rubles / month. There are also maximum refund amounts; So, when making purchases from 10,000 rubles. you can get no more than 15,000 rubles per month. cashback per month.
Service is free if you make purchases worth more than 10,000 rubles. per month or have an account balance of more than 30,000 rubles.
Raiffeisenbank (Visa Classic)
Visa Classic is Raiffeisen's most popular debit card. It can be both ruble and currency. You cannot change the currency, so make your choice as responsibly as possible. Monthly maintenance fee - 59 rubles.
Remember that you cannot withdraw and transfer funds more than 200,000 rubles/day and 1 million rubles/month. If the replenishment amount is less than 10,000 rubles or is carried out through the Internet bank or in a mobile application, then it is completely free. If you replenish your account with more than 10,000 rubles, then the commission will be 100 rubles.
It is most profitable to withdraw funds through Raiffeisen ATMs or partner banks - then it will be free. For withdrawing funds at a branch or ATMs of other banks, you will need to pay 150 rubles / or 5 $ / β¬ commission + 1% of the amount. We do not recommend withdrawing foreign currency through the bank's cash desk. In this case, the commission is 0.7% (min. 300 rubles) in rubles or as much as $10/β¬10 if you have a foreign currency account.
RNKO "Payment Center" ("Corn")
With this debit card you will receive up to 6.5% per annum with monthly interest payments. When using the "Interest on the balance" service, the income from the balance increases to 7.5% per annum. In addition, you get up to 3% cashback in bonus rubles for all purchases and up to 30% for purchases from partners. If we talk about contactless payment, then "Corn" supports PayPass and SamsungPay. If you have an Adndroid-smartphone of another brand or an iPhone, then for now you will not be able to use payment from your phone.
You can get the "Corn" card in any store of the "Svyaznoy" network. It is accepted by any online stores. Foreign purchases in dollars and euros are automatically converted at the rate of the Central Bank of the Russian Federation.
Sberbank (Youth card)
The card is issued for clients aged 14 to 25 years. Maintenance costs only 150 rubles / year. This is one of the lowest rates among our top.
You can top up your account with no more than 10 million rubles. No, we didn't seal. The bank really offers such larger volumes of debit cards for young clients. Daily withdrawal limit: 150,000 rubles, while you cannot withdraw more than 1.5 million rubles per month. These amounts should be enough even for the most fastidious student.
For withdrawals from ATMs of other banks, you will need to pay 1% of the amount, but not less than 100 rubles. You will also receive free mobile banking for the first 2 months. Then it will cost 60 rubles. But you can save money by opting out of SMS notifications. Then mobile banking will continue to be completely free.
On the "Youth Card" there is a cashback "Thank you" in the amount of 0.5% from any purchases and up to 11% from partners. You can buy goods from bank partners for bonus "Thank you". 1 bonus = 1 rub. discounts. Exchange bonuses for discounts up to 99% with bank partners. Contactless payments, connection to GooglePay and Apple Pay are also available here. In addition, with a youth card, you can buy goods with a 20% discount from the bank's partners. And the main feature of the "Youth Card" is that you choose your own design. That is, both a family photo and a funny meme can be displayed on your card.
Promsvyazbank ("Your cashback")
You can apply for a card either online or at a bank branch. For each purchase, bonuses are awarded, which can be used at the rate of 1 bonus = 1 ruble.
Thanks to the Your Cashback card from Promsvyazbank, you get up to 5% for three selected categories (for example, beauty, gas stations and health) and 1% for all purchases. The service is free if you have spent more than 20,000 rubles per month. or have such an amount on your account, otherwise the fee will be 149 rubles. per month. SMS notification paid: 39 rubles / month. The commission for cash withdrawal is provided only when receiving money from ATMs of third-party banks.
Promsvyazbank cooperates with the Shopotam service. When you purchase a ShoppingCard, you will receive a free shipping address for orders and the ability to combine items in a package.
VTB24 (Multicard)
For purchases using a VTB multicard, you will receive bonuses up to 10%. You can then transfer bonuses to your account in money or exchange them for goods or services from a special catalog. To increase the turnover on the card, you can issue up to five additional cards for your loved ones for free.
Card service is free if you make purchases worth more than 5000 rubles. per month, otherwise the fee will be 249 rubles. per month
Rosbank (Supercard+)
With a card from Rosbank you will receive cashback:
- cashback up to 10% for selected categories and 1% for the rest;
- or travel bonuses for every 100 rubles. purchases.
Once a month it is allowed to change the selected categories for which you want to receive increased cashback. If you have chosen to receive travel bonuses, you can pay for tickets and hotels with them on the Rosbank portal at the rate of 1 bonus = 1 ruble.
The maintenance fee is 1999 rubles, the first year is free. However, the bank exempts from service fees if you receive a salary of more than 50,000 rubles on the card. per month, make purchases in the amount of more than 40,000 rubles. per month or have more than 500,000 rubles. on deposits and accounts.
Outcome
Each cashback card has its own characteristics. Some can earn bonus miles, others can get discounts at gas stations, and still others make shopping easier. Choose the card that suits you. Be sure to pay attention to:
- cashback;
- interest on the balance of funds;
- price for additional services.
This is the only way you can choose a decent and profitable debit card with cashback.
We have already talked about with cashback, with benefits and how it differs from credit, now we will discuss the question: the best debit cards are the cards of which bank? Earlier we also described that there is the bestcashback card -
From our article you will learn how you can open a debit card with cashback, with free service, as well as what are the most profitable debit cards with cashback - from 10 percent or more. In the TOP list below, you can quickly find the card you are interested in. If you do not know which card to choose, carefully read the article to the end to find out the conditions offered by different banks.
Debit cards are best if they meet these conditions:
- debit card with cashback interest on the balance,
- with free service
- with cashback
- with the ability to take a loan on a card via the Internet.
Such BEST CASHBACK DEBIT CARDS with free service are just a dream, not cards! We offer you the best debit cards to choose from.
Only by placing bank card orders from our website, you will receive all the bonuses promised in the article
Profitable, best debit cards / content: β:
What are the best conditions for cashback cards Home Credit debit card with 10% cashback Tinkoff Bank the best: cashback and accruals cashback and other accruals from Rocket Bank The best cashback cards from Alfa Bank Best offers with cashback of Otkritie Bank Rosbank cards with cashback Svyazbank advantageous offers- If you need a CREDIT card cashback, then you are here β
Which debit cards are the best, choose the most profitable
Comparison, Rating, Top(update 07/10/2019)- l The best debit cards with cashback, with bonuses.
So, you need to decide which bank offers the most profitable debit card with cashback, with a profit. All plastic cards presented here are profitable, as their holder receives both income on the balance and cashback from purchases. There are also cards with free service among our heroes, plus cashback and interest on the balance of funds.
Before choosing the most profitable debit card cashback, decide which services you use more often:
- airlines;
- tourist areas.
If you do not need these services, then you can exclude cards with cashback at gas stations, miles and Travel cards for travelers. In this case, debit cards are the best for you, only cards with cashback on everything, plus the presence of categories with increased cashback.
In this article, we have collected the best debit cards of 2019, if you learn how to use credit cards as well, you will earn money by using two cards, but you will learn about it below.
1 . The best debit card 2019 from Home Credit with free maintenance.
2. Debit card, the best in 2019 from Tinkoff Bank
Tinkoff black 2019 - the best debit cards with cashback plus
To get a card, click this button π and fill out an application.
TINKOFF BLACK
TINKOFF BLACK is a really instant debit card with free service. Also, at the moment, this is the card with the highest percentage of the balance. A debit card, the best from Tinkoff, is ordered online, and it turns out quickly and for free β
This is a very profitable card with interest accrual (income card), because in addition to interest on the balance, there is also interest from purchases made (cashback), moreover, it is also a multi-currency debit card. In general, the benefits are obvious, spend more, get more.
Debit card, the best from Tinkoff - Tinkoff Black, guarantees cashback:
- 10% off all purchases in lady&gentleman CITY stores;
- 10% from the first purchase in the laboratory of modern cosmetics MIXIT;
- 10% from all purchases in the online store of LG household appliances,
- 3% from all purchases in household appliances stores "Kholodilnik.ru";
- 20% off all purchases at Skillbox Online University and many other interesting discounts and cashback.
Check the list of Special Offers and conditions for them in your personal account or the Tinkoff application, as they are not available to everyone.
View conditions for TINKOFF BLACK
Tinkoff Black has a large preferential limit for free deposits to cards of third-party banks - 20 thousand rubles, then a commission is charged. Keep this in mind when translating. To find out the limits on your card, go to your account settings - (gear in the application) - Tariff limits.
If you have a question, which bank card is better to choose from the age of 14 then TINKOFF BLACK is your choice, because its can be ordered by anyone with a Russian passport. For persons over 14 years old, the card is issued free of charge and without annual maintenance.
Debit card with cashback TINKOFF BLACK / online application
Tinkoff Drive - debit card, the best for drivers
An excellent offer from Tinkoff Bank for those who spend a lot of time driving. The widest range of cashback for purchases not only at gas stations, but for everything related to cars, roads and even fines and other expenses for personal transport.
When deciding which bank card is better to choose, read the conditions from Tinkoff DRIVE:
- 10% points for purchases at gas stations and purchase of hull insurance at Tinkoff Insurance;
- 5% if you buy spare parts, pay for car services and parking;
- 1% - for other purchases that are not related to spending on a car;
- purchases from partners of the Tinkoff Drive program: π 15% points for purchases from RAMK and π 10% for purchases on the Auto-selection.rf and Remontist websites.
Now there is no point limit for purchases at gas stations - it all depends on the amount of points for regular purchases (1%). The number of points for "Auto Services" is calculated according to the same principle.
Please note that Tinkoff is available Drive CREDIT CARD
How the maximum number of points for purchases at gas stations and car services is calculated.
To know how the best debit card works, learn how to count points. To do this, you need to multiply the total points for regular purchases on the card, which is 1%, by 5. Let's say you spent 30,000 for your past budget month on the card, non-car services and fuel purchases. Your account will receive (30,000 Γ 1%) 300 points.
We multiply 300 by 5 and get 1500. Thus, your limit on the categories "Fuel" and "Auto Services" in the current billing period will be 1500. Everything that is accumulated above will burn out. In general, the more purchases you made in other categories, the higher the gas station limit will be next month.
How to get score information
Debit cards with cashback, with profit, the best in 2019 are managed using a personal account. In your personal account, find the necessary tab and hover over the question mark icon.
Point information and limits
- in total for purchases: at gas stations (10%), payment for car services and parking (5%) plus other purchases (1%), you can get a maximum of 10,000 points for the billing period;
- for purchases from partners of the Tinkoff Drive program - a maximum of 10 thousand points per calendar month for each partner;
- for purchases from three partners you can get 30,000 points, points in different categories are summed up, the points are valid for 3 years. With such favorable conditions, this may be the best cashback debit card with driver benefits.
The most profitable debit card with cashback Tinkoff offers to exchange points for rubles in your account or in the application
To do this, you need to register on the site and download the application to your mobile device. Redeem points for car expenses.
It works like this. First, you pay for the purchase, and then you convert the accumulated points into rubles that were spent before. To do this, you need to go to the application. You turn points into money, which are credited to the card account when you press the "compensate" button.
Other purchases will also be returned to your card in the form of 1% of any of your expenses for every hundred rubles, that is, if the purchase is less than 100, then the cashback will not be credited, and if 150, then 1 ruble will be returned to the card. If 200 rubles is your purchase, then 2 rubles are returned to the card, and so on. For other cards included in the top debit cards from this bank, Tinkoff cashback is credited according to the same principle.
3. Best debit cards with cashback from 14 years old / Rocketbank debit card online
![](https://i2.wp.com/allcashs.ru/wp-content/uploads/2018/09/roketbank-oformit-kartu.jpg)
Rocketbank - debit cards, the best from 14 years old, with free service, online and interest on the balance
- free service for everyone from the age of 14;
- free cash withdrawal up to 600,000;
- free transfers to third-party cards up to 30,000, and for bank details 1 million rubles;
- 1% cashback in rocketrubles for any purchases;
- cashback is credited for paying utility bills, phone etc. (only the most profitable debit cards offer such conditions);
- very large cashback - up to 10% for selected favorite places(every month the bank provides a changing list, where you can choose up to 3 places where you want to make more purchases. More details below);
- high interest on the balance from 5.5%!
- fast and human technical support;
- it is not necessary to make purchases in order to receive interest on the balance;
- bonuses from 500 rubles. on the card at registration(by registering using the links from our website, you are guaranteed to receive 500 rocketrubles)
And from the first days of July 2019, citizens of Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Moldova, Ukraine can issue a Rocketbank card for free - itβs not for nothing that it entered our rating of debit cards with cashback, with a benefit!
The most profitable debit card with cashback, with bonuses is provided for fraternal countries upon presentation of the following documents:
- international passport and visa to the Russian Federation;
- notarized translation of the international passport, if there is no data in Russian;
- A temporary residence permit in the Russian Federation or a migration card and temporary registration in the Russian Federation.
Moreover, you can use this debit card anywhere in the world. The Rocketbank debit card for your purchases gives various discounts and a 10% cashback in the category that is beneficial for you " Favorite places": "Fuel"; "Clothes and shoes"; "Air and railway tickets"; "Everything for home and repair"; and cashback in the category: "Supermarkets and Restaurants". When deciding which card to choose, pay attention to this option.
You can order a debit card online for free at Rocket Bank - a comparison of debit cards with cashback, with advantages, shows its obvious advantages. By accumulating from 3000 rocketrubles for purchases and return your spent money to your account in your personal account, compensating for the expense with rocketrubles. Many, and not only young people, already use this card and are very, very satisfied. We have been using this card for more than a year and are also very satisfied, therefore, we recommend this very beneficial debit card. Evaluate it yourself, because it is free, and you will not lose even a ruble with it. In addition, all your funds on the card will be insured by the state!
Attention! To get all the above benefits and bonuses - after ordering a card using the links from our website, replenish it within a month by 2000 rubles, and you will definitely be in the black!
Rocket Bank offers to order the best debit cards around the clock, quickly by filling out a simple questionnaire on the the official page of the bank - HERE
Agree that such a combination as free service and cashback for all purchases is quite rare. Therefore, this debit card with cashback, with profit and without maintenance fees takes its rightful place in our rating of debit cards. Read more details below:
4. Debit card with cashback, the best in 2019 from ALFA Bank
Our Cashbench will introduce you to the novelty from Alfa Bank
![](https://i0.wp.com/allcashs.ru/wp-content/uploads/2018/10/alfa-trevel.png)
In addition to the popular Alfa cashback card, Alfa Bank has such cards with profitable cashback β
4.2. Alpha Map
Innovation and dual opportunities: two sides - credit and debit.
β 100 days without interest on a loan for purchases and cash withdrawals, β Interest rate from 23.99%. β Increased discounts on the Gold credit side, β Card maintenance for only 490 rubles. in year. β Free mobile application Alfa-Mobile ORDER A CARD
4.3 Alfa Bank - debit card with cashback, with AlfaTravel
If you travel frequently, when deciding which bank card to choose, pay attention to these bonuses:
β
up to 9% return on purchases with miles
β
0% Free cash withdrawal worldwide
β
Advanced insurance - free of charge
β
Access to accounts in different currencies
4.4 Cashback card Alfa Bank
If you are a car owner, then this may be the most profitable cashback debit card with bonuses for you
Cashback at gas stations 10%!
ORDER A CARD![](https://i1.wp.com/allcashs.ru/wp-content/uploads/2018/09/alfa-bank-oformit-kartu-debetovuju.jpg)
5.2. Debit/best cards from Otkritie bank
Money to your card from Otkritie bank
Otkritie Bank is holding a promotion 2019. The best debit cards with cashback always provide additional goodies - if you issue an β Opencard, you will receive 500 rubles on your card. You will have money in a month after the first purchase on the card in the amount of at least 500 rubles. In addition to these bonuses, cashback is credited to you for settlements with any of these cards in accordance with the tariffs, which you can read about below.
You can order an Otkritie card online / debit card with cashback, with goodies / throughout Russia in most major cities. The courier will bring you a bank card to your house. If in our review these debit cards are the most profitable for you, then do not miss the opportunity to purchase Opencard.
Opencard from OTKRITIE bank
TERMS AND CONDITIONS
- 3% cashback for everything;
- free card service;
- up to 500,000 rubles cash withdrawal without commission at any ATMs:
- Free transfers up to 20,000 rubles to any bank cards;
- payment of utilities without commissions;
- concierge service;
- access to airport VIP lounges;
- travel insurance.
This card is not in vain included in the TOP debit cards with cashback - Opencard offers very favorable conditions.
ORDER A CARD Opencard6. Debit cards 2019 / the best from RosBank
The profit on this cashback debit card is obvious, as you will be assigned:
- 6 to the balance of money on the card;
- 7% cashback from any purchases for 3 months;
- for major purchases 7% unchanged;
- possible income over 60,000 rubles. per year;
- two gold or classic cards for free;
- cash withdrawal without commission...
Like the ones discussed above, this is also a profitable debit card, which one is better for your needs - decide for yourself.
Cashback card "Russian Railways" from Rosbank
Another highly winning debit cashback card 2019 RZD ROSBANK - You will receive 500 introductory bonuses immediately, you will receive 5% bonuses on a savings account, 1 bonus - 30 rubles. For additional benefits, see the official page of Rosbank - VIEW DETAILS
7 . Debit cards 2019/ best from Communication Bank
A new product from Svyazbank - a cashback debit card with a prize that you will love
Order a card COMMUNICATION BANKMeet the ULTRA CARD from SvyazBank! Very high cashback on popular categories.
Like all the best debit cards with cashback, with benefits, this card invites you to choose the category in which you shop most often and receive:
Today, banks allow not only to order a debit card with cashback online at any time of the day, but also to receive it without leaving home, that is, without visiting the office, which significantly saves time.
Best Cashback Debit Cards + Credit Cards = Profitable Interaction
By the way, not everyone knows how to pronounce the phrase "debit card with cashback" correctly. The emphasis here is on the letter "o" - debit "wai. As for the beneficial use of debit cards, experience shows that the most beneficial is - debit and credit - one bank (such a benefit is for many a decisive factor in determining which debit cards are the best).
Also, our readers are interested in the difference between a debit card and a salary card. We would like to clarify that you can also make purchases and credit money using a salary card, but it is not known whether you will have cashback and advantages when traveling around the world, whether bonuses will be accumulated that you can return in rubles, and whether you will be charged interest on remainder. In this case, the debit card clearly wins - which one is better from those offered, you choose.
Credit cards have more reliable protection, banks are more worried about this, because their funds are on the credit card and they earn on you, as on a credit client, if not from your expenses, then from contracts for advertising stores from which you have cashback. In general, credit cards are more secure than even the best cashback debit cards. How to order the most profitable credit card, in the article β as well as
Best debit cards 2019: which debit card to choose
We have compiled a rating of debit cards 2019 for you here, which will help you decide which bank card is better to choose:
- only profitable debit cards 2019.
- best debit cards with cashback, interest and no annual maintenance;
- best debit cards 2019 - with good cashback;
- debit cards, the best with instant issuance;
- which debit card to choose from the age of 14;
Since the ratings and conditions of banks on debit cards may change, therefore this article is regularly updated to reflect changes. To study more precise and detailed conditions, for speed and your convenience, links to the official pages of banks are provided, follow them and get acquainted with the advantages and disadvantages of debit cards. Yes, the highlights are below.
There are profitable debit cards with cashback, with interest on the balance of 2019 and even without annual maintenance, so, for example, once again turn your attention to the cards of Home Bank, RocketBank, Tinkoff Bank, Promsvyazbank. Sometimes banks set conditions on the amount of funds spent on the card. Now not only debit cards, the most profitable, come with interest on the balance and cashback, but most of the cards offered by banks, and many even with free service.
How to decide which bank card is better to choose
Look for the most suitable debit card from the list, follow the links to the official pages of banks and fill out applications. To do this, get ready to enter your passport data.
Do not forget to disable unnecessary services in your personal account that are installed automatically when you activate the card, for example, SMS alerts. If you use a smartphone or tablet, then download the application for the bank that issued your card through the playmarket, where you can independently connect the necessary or disable unnecessary services. These simple transactions will help make the best debit cards even more profitable.LEARN ABOUT OTHER INTERESTING CARDS BELOW (click on the title):
When issuing a debit card, a rare client is attentive to the terms of the service agreement. As a rule, cards of this type are issued to receive wages, store personal funds with the ability to use the card to pay for goods and services, make money transfers, etc. In fact, you need to choose a debit card more seriously!
Which debit card is better to get
When choosing a debit card, it is important to pay attention to its status. Many factors will depend on the profitability of the card: the cost of annual maintenance, the amount of commissions for various operations, etc. The higher the status of the card, the more expensive it is, however, the client has more advantages for it - good cash withdrawal limits, all kinds of bonuses, etc.
In order to open a debit card, you will have to deposit a certain amount of funds into your current account. Some cards are free, but to open a "status" card, you will need to deposit a decent amount into your account.
Which card to issue is decided by the client, taking into account his needs, capabilities, card functions that are important to him.
Which bank is better to get a debit card
When choosing a debit card, you should definitely pay attention to the reliability of the bank and its reputation. At the same time, it is important to understand that small banks, as a rule, offer customers more favorable card service conditions (low cost of annual service, high withdrawal limits, etc.) - they need to attract customers. However, the stability of the bank matters - it is important that the bank's license is not revoked during the period when you use the debit card. When choosing a bank, pay attention to what functionality they offer to the client on a specific debit card, what commissions apply to withdrawing funds from an ATM, using the card outside the Russian Federation.
Advice from Sravni.ru: It is quite profitable to issue debit cards in banks offering CashBack service to customers. A kind of "bonus" in the amount of 0.5% -3% of the amount spent on the card will allow you to save money by making purchases by bank transfer.