Which banks issue instant debit cards - list, tariffs, prices. Application for a debit card How to create a debit card
The terms of service and basic tariffs for the most popular products are shown in the table below.
Name of plastic | Payment system | Cashback | Interest on balance | Service tariffs | Withdrawal limits | Notes |
---|---|---|---|---|---|---|
Pension | WORLD | Up to 3.5% | For free | 50 thousand/day | Bonuses for purchases |
|
Youth | MasterCard, VISA | To 10% | 150 rub./year | 150 thousand/day, 5 million/month. | Thanks from Sberbank |
|
gift a life | VISA | First year – 1 thousand rubles, then – 450 rubles. | 150 thousand/day, 1.5 million/month. | Thanks from Sberbank |
||
Momentum | MasterCard, VISA | For free | 50 thousand/day, 100 thousand/month. | Thanks from Sberbank |
||
Classical | MasterCard, VISA | 150 thousand/day, 1.5 million/month. | Thanks from Sberbank |
|||
Golden | MasterCard, VISA | Up to 5% | 3 thousand rubles/year | 300 thousand/day, 3 million/month. | Thanks from Sberbank |
|
Individual design | VISA | First year – 750 rubles, then – 450 rubles. | 150 thousand/day, 1.5 million/month. | Thanks from Sberbank |
||
Premier package | MasterCard, VISA | To 10% | 2.5 thousand rubles/year | 0.5 million/day, 5 million/month. | Thanks from Sberbank |
|
With big bonuses | VISA | To 10% | 4.9 thousand rubles/year | 0.5 million/day, 5 million/month. | Thanks from Sberbank |
Some debit cards can be ordered online. These include platinum cards: "With big bonuses", "With individual design", instant cards VISA, MasterCard, WORLD etc.
Apply for a Sberbank debit card
To submit an online application, the client is required to indicate only the basic details that must be placed on the plastic, as well as passport data. When issuing special debit cards, for example, Youth or Pension, you should additionally confirm that you belong to a specific category of clients for whom they are intended.
How to get a Sberbank debit card
To receive it, just perform a few simple steps:
- select the appropriate option, for which you need to specify the parameters that interest the user;
- carefully review the conditions of manufacture and subsequent maintenance;
- if you agree with the established tariffs and prices, you should proceed to the online application form;
- Next, you need to provide the information that interests the program, making sure to indicate the method of communication with the client.
Recipients of pensions prefer the MIR Pension Card from Sberbank. Young people 14 years of age and older apply for a Youth Card, for which you can make your own design. For connoisseurs of service and those wishing to participate in various programs and promotions, gold and premium plastics are issued from the largest financial institution in the country.
Most people who decide to open a debit card for any specific purpose try to find free debit cards so as not to pay the bank for servicing this seemingly simple and now accessible banking product.
Indeed, many banks now offer debit cards with free annual service. But at the same time, in most cases there are certain pitfalls that an ordinary client may not immediately know about.
That is why, in this review, we will consider the best free debit cards offered by domestic banks in 2019. Moreover, in the description of each card we will try to reveal all the nuances and features of the card, pros and cons and much more.
Best Free Debit Cards in 2019
So, below are the TOP 5 of the best and most profitable debit cards, which are issued free of charge and do not have an annual service fee in their tariffs. We present exactly those cards that today are extremely popular among bank clients, have positive and numerous reviews on the Internet, and also have favorable rates and conditions with completely zero or conditionally free service.
The best free debit card of 2019
One of the most popular cards at Tinkoff Bank is the Tinkoff Black debit card. This card will be an excellent option for storing money on it for savings and for everyday payments in stores.
The main advantages of the card:
- The card is issued in the premium categories MasterCard, VISA or MIR Premium.
- You can issue a ruble or currency card (euro, dollar).
- Cash withdrawals from ATMs and transfers to other banks are free.
- Free issuance of up to 5 additional cards for all family members or for yourself. Moreover, you can issue different payment systems for one account. For example, for payments within the country you can issue a premium MIR card, and for payments abroad MasterCard Platinum.
- Online registration and free delivery by a bank specialist.
- Interest on the card balance is up to 6 percent per annum.
- Cashback for purchases in certain categories up to 5%, as well as for purchases from Tinkoff Bank partners up to 30%.
At first glance, a card of a prestigious category and with such advantages cannot be free. And to some extent this is true, since the card costs 99 rubles per month.
But there is methods and conditions for using a debit card for free:
- The Tinkoff Black card will be free if you have a bank deposit (deposit) in the amount of 50 thousand rubles or more or a loan for the same amount in Tinkoff Bank.
- Another way to use it for free is to keep a minimum balance of 30 thousand rubles on the card for a month.
- Well, the most popular way is after receiving the card, just call or write to the bank with a request to transfer to non-public tariff 6.2 in which there is no card maintenance fee. Only existing bank clients are transferred to it. You can familiarize yourself with this tariff.
As you can see, making a map free is quite easy and simple, but you can start by simply opening the map. The card is perfect for depositing salaries and for other purposes.
Free universal debit card with interest and cashback
One of the most popular debit cards in Russia today is the Rocketbank card. Its popularity is due to the fact that it is produced and serviced free of charge, and delivered by courier also free of charge. Using the card it is possible to make transfers to other banks without commission. In addition, every month the bank offers to select stores in your city where you can receive cashback of up to 10%.
And of course, what’s a debit card without interest on the balance? It is 5.5 percent here.
A special feature of this bank is that it serves clients only remotely through a mobile application for Android and IOS. For those who have not heard about the Rocketbank brand, I will say that it belongs to the state financial corporation Otkritie. This indicates the maximum reliability of Rocketbank. And don’t forget that the bank is a member of the DIA, and all funds on the card are insured by the state.
Profitable debit card with free issue and service from Home Credit
In 2018, Home Credit Bank introduced a new debit card “Polza”, which is currently one of the most interesting cards for storing your funds and making payments in stores.
For storing funds, the card is advantageous in that it accrues interest on the balance of up to 7% per annum. And for payments in stores, the card is interesting because it has a “Benefit” bonus program, which allows you to receive bonuses (cashback) in certain categories and partner stores of up to 10%.
The card is issued absolutely free. Also, there is currently a promotion where there is no annual maintenance for the first year. From the second year, if you keep a minimum balance of 10 thousand rubles on the card, then the card will also be free, if less, then 99 rubles.
The amount of 10 thousand rubles is not so big that you can keep it on a card at a high interest rate and receive free card service for this.
Free universal card "Halva" from Sovcombank
Another profitable debit card where you can profitably store your own funds and withdraw from any ATM in the world is the installment card from Sovcombank. The Halva card is a card with a credit limit that allows you to make purchases in installments for up to 12 months.
But in addition to this function, it has debit functionality, which allows you to use the card as a debit card. 6% per annum is charged on the balance of your own funds on the card, and if certain conditions are met, the interest rate can be increased to 7.5%. In addition, you can withdraw funds in the amount of up to 100 thousand per month at any ATM in the world without commission. The card definitely deserves to be issued, even because it is absolutely free. More details about the map can be found in separate review on our blog.
Opencard debit card with no annual fee and free delivery
I’ll say right away that you can use the card for free under certain conditions, which are also not difficult to fulfill. But more on that below.
Why is it worth getting a debit Opencard from Otkritie Bank:
- Large reliable bank TOP-10.
- Cashback on everything up to 3%. No need to search for specific categories or stores. Pay with it everywhere and get a stable 3 percent cashback!
- Commission-free withdrawals from ATMs and transfers to other banks.
- A savings account where you can store funds at a favorable interest rate of up to 7% per annum.
- Possibility to issue a premium card with free service (if minimum requirements are met).
- Free delivery at any time and place convenient for you.
Where can I get a free debit card?
So, in this review we tried to answer the question of many, “Where can I get a free debit card?” and reviewed the most profitable and interesting bank debit cards that are worth getting this year. So, the choice is now yours, but I would recommend that you try several debit cards from this list at once in order to understand from your own experience which card will be most suitable for you. Moreover, they complement each other and allow you to earn a lot of rubles from cashbacks.
Card production time
In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working days. Delivery to remote locations may take up to 15 business days. Exact dates are available.
When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.
You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.
What documents are required to receive a card?
To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.
How to start receiving THANK YOU bonuses?
After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.
Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.
It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.
How can I use THANK YOU bonuses?
THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.
How can I find out my card details?
To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.
Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.
Is it safe to use a contactless card?
Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.
To maintain competitiveness, small banks offer their clients favorable conditions for loans, credit and debit cards in Moscow. This page provides a ranking and comparison of debit cards in 2019, which you can order online or get from your bank. Getting a plastic card online is very simple - you need to fill out a form, providing your passport details, and wait for approval.
Opening and receiving a card is convenient due to the following advantages:
- the ability to use your account in Russia and abroad;
- the ability to quickly transfer money;
- receiving several cards on one account;
- security of personal funds;
- possibility of payroll calculation;
- Internet banking and SMS notifications.
You can get a debit card in Moscow without leaving your home.
Convenience and benefit from use
As a rule, one bank offers several products to make opening a bank account as profitable as possible for clients, while the conditions for similar products may differ in different banks. The choice and registration of a debit card must be made based on several criteria, including benefits and expenses. By what criteria do you compare and select plastic cards?
Check out the benefits
What bonuses and functions should you pay attention to before submitting your online application:
- cashback - this can be a percentage of all purchases or from various categories - groceries, gasoline, flight costs, medicines, etc.;
- the opportunity to get a credit card in the future without much effort;
- currency exchange at a good rate (important for travel);
- accrual of interest on the balance of funds;
- the ability to make deposits using this account and build ladders of deposits.
Estimate the costs you will have to incur for it
How to choose and order a plastic card? All of them involve different costs for their maintenance and additional operations:
- annual service fee - charged at the beginning of the year or on the activation date (if you do not use the bank’s services, it is better to cancel the account so as not to go into the red);
- fee for the fact of issue or reissue;
- commission for withdrawing money from an ATM of another bank;
- payment for goods at retail outlets outside your country;
- additional fees - subscription fee for mobile banking, balance request at an ATM, account blocking, etc.
Having weighed the importance of each indicator for yourself after comparing all the profitable offers, you can find the right banking product and open a savings card via the Internet.
How to make an order?
I agree to the terms of personal data processing
I give my consent to the processing by JSC Raiffeisenbank (hereinafter referred to as the Bank), 129090, Moscow, st. Troitskaya, 17, building 1 (including receiving from me and/or from any third parties) my personal data and/or the results of processing my personal data and confirm that by giving such consent, I am acting voluntarily and in my own interest.
Consent is given by me for the purposes of concluding any agreements with the Bank and their further execution, provision of services by the Bank, participation in promotions, surveys, research conducted by the Bank (including, but not limited to, conducting surveys, research via electronic, telephone and cellular communications), decision-making or performing other actions that give rise to legal consequences in relation to me or other persons, providing me with information about the services provided by the Bank, providing consulting services by the Bank, including for the purpose of concluding contracts/agreements with other persons in the future, and applies to the following information: last name , name, patronymic, year, month, date and place of birth, address, details of an identity document, family, social, property status, education, profession, income, information about enforcement proceedings against me and any other information related to my identity and available to third parties (hereinafter referred to as “Personal Data”).
The Bank processes my Personal Data to the extent necessary to achieve each of the above goals. I confirm that this consent is valid during the storage periods for documents and information containing personal data established by the current legislation of the Russian Federation and contracts concluded with me.
I am notified that I have the right to withdraw my consent by sending a corresponding written notice to the Bank at least 3 (three) months before the withdrawal of consent. If I withdraw my consent to the processing of Personal Data, the Bank has the right not to stop processing my Personal Data and not to destroy it in cases provided for by the legislation of the Russian Federation, including if the storage period for Personal Data has not expired.
This consent is provided to carry out any actions or set of actions, with or without the use of automation tools, in relation to Personal Data that are necessary or desirable to achieve each of the above purposes, including, without limitation: collection, recording, systematization, accumulation, storage , clarification (updating, changing), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction, cross-border transfer of Personal Data, obtaining my image by photographing, as well as performing any other actions with my Personal Data taking into account current legislation.
The processing of Personal Data is carried out by the Bank using the following main methods (but not limited to): storage, recording on electronic media and their storage, compiling lists, labeling. I acknowledge and confirm that, if necessary, the Bank has the right to entrust the processing of Personal Data, as well as transfer my Personal Data to achieve the above purposes, for archival storage purposes, for the purpose of debt collection to a third party (including MetLife Insurance Company JSC , 127015, Moscow, Butyrskaya str., 76, building 1, LLC "Telekontakt", 142191, Moscow, Orlikov lane, building 3 building "B", LLC "SK "Raiffeisen Life", 115230 , Moscow, 1st Nagatinsky proezd, 10, building 1, JSC "Liberty Insurance", 196084, St. Petersburg, Moskovsky pr., 79A, letter A, JSC "RESO-Garantiya" , 117105, Moscow, Nagorny proezd, 6, OSG Records Management LLC, 127083, Russia, Moscow, 8 Marta St., 14, building 1, JSC "Intouch Insurance", 127018, Moscow, Sushchevsky Val St., 18, AlfaStrakhovanie OJSC, 115162, Moscow, Shabolovka St., 31, building B, Renaissance Insurance Group LLC, 115114, Moscow, Derbenevskaya embankment, 7 building. 22, LLC IC "VTB Insurance" 101000, Moscow, Chistoprudny Boulevard, 8, building 1, JSC "ERV Travel Insurance" 119049, Moscow, 4th Dobryninsky lane, 8, office C 14-01, Medlabel LLC (AP Companies) 117152, Moscow, Zagorodnoye Shosse, 1, bldg. 1, Filbert LLC, 198095 St. Petersburg, st. Marshala Govorova, 35 k. 5 lit. Zh, Everest LLC, 109147, Moscow, st. Marksistskaya, 34, building 8, room 2, JSC "Financial Agency for Collection of Payments", 109044, Moscow, st. Krutitsky Val, 14, Credit Security Bureau Russkollektor LLC, 129515, Moscow, st. Akademika Koroleva, 13, building 1, Sequoia Credit Consolidation JSC, 127473, Moscow, st. Krasnoproletarskaya, 16, building 2, Stolichnoe AVD LLC, 107564, Moscow, st. Krasnobogatyrskaya, 2 building 2 room. 5, Kreditekspress Finance LLC, 127055, Moscow, st. Butyrsky Val, 68/70 building 1, M.B.A. LLC Finance", 115191, Moscow, per. B. Starodanilovsky, 2 building 7 floor 3, LLC "Litigation Agency", 194100, St. Petersburg, prosp. Lesnoy, 63 letter A, Trade and Shopper Marketing LLC, 119334, Moscow, st. Vavilova, 3, JSC "Prime Club" Moscow, Roshchinskaya 2nd street, 4, Raiffeisen Bank International AG, 1030, Austria, Vienna, Am Stadtpark 9, LLC "Abi", 127273, Moscow, st. Otradnaya, building 2B, building 6, office 12, Kofax Schweiz AG, 6343, Switzerland, Rotkreuz, Grundstrasse 14, FREIGHT CORPORATE LLC 123060, Moscow, st. Berzarina, 36, building 1, LLC "VS-Express" 125080, Moscow, Volokolamskoye sh., 2, room No. 1, 1c, 1d in room I on the 23rd floor, JSC "FREIGHT LINK" » 123995, Moscow, Marshal Zhukov Avenue, 4, BeeSPost LLC 109428, Moscow, Ryazansky Prospekt, 8A, building 20, Primokollekt LLC, 117420, Moscow, st. Profsoyuznaya, 57, Active Business Collection LLC, 117036, Moscow, st. Dmitry Ulyanov, 7A, LLC "National Collection Service" 108811, Moscow, Kievskoye Highway, 22nd km (Moskovsky settlement), house 6, building 1, LLC "MBKI" 125130, Moscow, st. Priorova, 30, Mail.Ru LLC 125167, Moscow, Leningradsky Prospekt, 39, building 79, MegaFon PJSC Moscow, Kadashevskaya embankment, 30, TsRT LLC, 196084 , St. Petersburg, st. Krasutskogo, 4, letter “A”, Findostavka LLC, 109028, Maly Ivanovsky Lane, 6/2, 3rd floor, Impacto Marketing Services LLC, 107113, Moscow, st. Sokolnichesky Val, 2A, floor 1 room No. 116, as well as other non-credit and non-banking organizations), as well as when attracting third parties to provide services, transfer by the Bank of its functions and powers to another person (assignment, including for consideration possibility of assignment and making a decision on assignment, pledge, rights owned by the Bank, etc.). The Bank has the right, to the extent necessary, to disclose information about me personally (including Personal Data) to such third parties, their agents and other persons authorized by them to carry out the above actions, as well as provide such persons with relevant documents containing such information in compliance with the requirements of the law. I also acknowledge and confirm that this consent is deemed to be given by me to any third parties listed above, subject to appropriate modifications, and any such third parties have the right to process my Personal Data (both transferred by the Bank and those held by the relevant third parties) , as well as for the Bank to receive from third parties the results of processing such data on the basis of this consent.
As a waiver of restrictions on maintaining bank secrecy, I agree to the Bank providing the information provided for in the consent to the processing of personal data to third parties specified in the corresponding consent to the processing of personal data. If an insurance contract is concluded between me and IC Raiffeisen Life LLC, if my personal data changes, I give my consent to the Bank to transfer the above-mentioned changed personal data to IC Raiffeisen Life LLC.
I also hereby express my consent to the Bank, as well as to the person acting on its behalf and (or) in its interests, when taking actions aimed at returning the overdue debt:
- to interact with any third parties, such as members of my family, my relatives, other persons living with me, my neighbors and any other individuals;
- to transfer (notify) third parties (make available to third parties) my Personal Data, information about me, my overdue debt and its collection.