Credit cards with no annual fee. Which banks issue debit cards with instant issuance - list, tariffs, prices Which cards are serviced
Hello friends, guests and blog subscribers! Today we will look at bank cards without service fees, which are issued by Russian banks, and we will talk about their types and conditions of registration.
In cases where money is urgently needed, consumers apply for a cash loan or credit card from banks.
When you sign up for the latter product, most financial institutions charge an annual plastic service fee.
For borrowers who are not ready or unable to pay for credit card servicing, financial institutions issue bank cards with a credit limit without payment. At the same time, the functions of the financial instrument are limited.
Types of free cards
Without a service fee, there are debit and credit, and refer to local, international or co-branded payment systems.
Plastic related to the local payment system only works in one country. Such a product, for example, are cards of the Russian payment system MIR or Zolotaya Korona.
Bank cards without service fees issued by Sberbank are serviced only at financial institution ATMs. They are not suitable for online transactions.
New Bank of American clients receive ATM cards before activating the main instrument, providing instant access to the account after opening.
As for co-branded free cards, these products are issued by a financial organization together with partners - an airline, a Russian railway, a retail chain.
These plastic cards have bonus programs and cashback. The name of the financial institution and the partner’s label are placed on the front side.
There is no charge for servicing virtual cards that do not have physical media.
They are created for secure payments on the Internet and represent the usual details - number, expiration date, CCTV code.
How is the commission calculated?
The cost of annual servicing of a bank card depends on the conditions under which the payment instrument is issued.
For example, plastic cards issued by Sberbank are a separate product and are paid according to the terms of registration.
Free servicing of bank card products of a number of financial institutions is possible by activating a package of services, which is paid once a year.
Some financial institutions issue free bank cards for consumers who open a deposit account.
Tariffs for payment instruments belonging to the same payment system do not differ.
For example, card products of the MasterCard Standard system can be either standard credit cards or a co-branding tool.
The cost of annual maintenance of plastic in both cases will cost 700-900 rubles per year. For some bank cards, fees are charged starting from the second year of use.
Product design
The competition between financial institutions for clients has led to the development of cheap card products. We must understand that not a single bank will operate at a loss.
Therefore, you can get a credit bank card without a service fee if certain conditions are met, and not in all credit institutions.
These products are issued when there is a special offer for a regular customer or as part of a promotion for new borrowers.
There are banking organizations that issue standard cards without service fees. We will describe the terms of their service below.
Terms of products without service fee
Credit card without payment for servicing “MasterCard World” bank Renaissance Credit has a limit of up to 200 thousand ₽.
The duration of the grace period for plastic is 55 days. Cashback for purchases in partner stores reaches 10% of the amount spent.
To get a credit card, you just need to present a Russian passport. It is possible to order the product online with delivery of the credit card to the location specified by the applicant.
Multicard service VTB Bank may be free if one of the following conditions is met:
- purchase turnover must exceed 15 thousand rubles. You can link 5 debit and credit cards to your account;
- the amount of personal money in the account is more than 15 thousand rubles;
- Your salary is credited to your card account every month.
The plastic credit limit reaches 1 million rubles, the grace period is 101 days. Up to 8% per annum is charged on the balance of own funds. When applying, be sure to document your income.
“Simply Credit” Card Citibank issued and serviced free of charge.
The size of the revolving credit line reaches 300 thousand rubles on standard terms and 600 thousand rubles when purchasing a product for premium clients.
The interest-free period lasts 50 days, discounts from bank partners reach 20%.
Credit card "Big Cashback" from OTP Bank serviced free of charge. The accrual on the balance reaches 4% per annum, the limit is up to 500 thousand rubles or more.
Bonuses are awarded for purchases. The credit card can be issued online and delivered to the owner’s home.
There is no charge for using a “Classic (credit)” credit card. Zenit bank.
The card limit reaches 1 million rubles, the duration of the grace period is 50 days. The plastic belongs to the Russian payment system Mir. The system has developed a bonus program for plastic holders.
A number of other proposals
Installment cards issued by some Russian banks are in particular demand today.
The most famous became "Conscience" of the bank QIWI .
The installment period reaches 12 months. Credit limit – 300 thousand ₽. There is no charge for use.
The financial institution offers clients a free virtual credit card “Kviki” for making online purchases.
The card is issued instantly, the product is valid for 3 months. Credit limit – 300 thousand ₽. Cashback reaches 20%.
Freely issued and serviced Halva Sovcombank , allowing you to buy in installments. The size of the credit line reaches 300 thousand rubles.
Bank cards without annual cost
Russian banks also issue debit cards with free use, which will be discussed below.
For example, depositors at VTB Bank are offered to issue one debit card without payment during the deposit period.
There is no charge when making deposits for certain amounts and using the following bank cards:
- Tinkoff Black Platinum(Tinkoff Bank);
- Cash Back(Alfa Bank);
- Generation (AK Bars);
- Card Plus (Credit Europe Bank);
- Your PSB (Promsvyazbank);
- Debit (Renaissance Credit);
- Maximum income (Loko-bank);
- Pension (Rosselkhozbank);
- Opencard (FC Otkritie), etc.
Fee-free debit cards are often confused with free-issue cards.
However, these are two completely different products - when registering the first, there is no annual commission, and the second product is issued without paying the cost of issuing the bank card itself.
The higher the status of the debit card, the more expensive its cost. In accordance with this, if there is no fee for the annual use of a debit card, you cannot count on the comfortable conditions of the product.
Usually released instantly without payment. Or rather, when the applicant visits the organization, it is already ready. It’s just quickly linked to the client’s account.
The card has a number of restrictions - for example, it cannot pay for transactions on the Internet. When transferring, cashing out, replenishing an account and other operations, a commission is charged.
This is all about cards for which there is no charge for using a banking organization. Use your loans and savings wisely.
Hello, friends!
Do you still think that a debit card is only necessary for employers to transfer your wages? Then you first need to read my article about. If you are already savvy about its optimal use, then it’s time to answer the question of which debit card to choose.
This is the next question after: “Do I need it?” The answer must be based on in-depth analysis. This is what we will do now. We will study the issues of choosing a bank, its offers, and identify hidden nuances that should be paid close attention to.
As a result, we will develop an algorithm by which you can easily select the most profitable card that takes into account your needs, for the best money (or for free).
Which bank is better?
So, let’s ask a search query to the ubiquitous Internet: “Which bank’s card is best to apply for?” We get a ton of useful (and not so useful) information about all the offers that are relevant today. And what to do with all this usefulness? Let's decide on the criteria for choosing, first of all, a bank:
- Place in the reliability rating.
- Participation in the state deposit insurance program.
- A network of branches throughout the country (for some this is important).
- Availability of other methods of communication with clients (in the absence of offices).
- Feedback from debit card holders.
The official website of the Central Bank of the Russian Federation publishes data on the activities of our financial and credit institutions. Key indicators are assets, loans issued and deposits. For example, at the end of 2017, the first places in the TOP 10 were taken by Sberbank, VTB and Gazprombank. Promsvyazbank closed the top ten.
It would be a good idea to look at changes in assets. For example, over the year at Bank FC Otkritie they decreased by almost 27%, at VTB - by 6%.
Experts advise paying attention not only to the top ten, but also to banks that are lower in the rating. Why? Because you should not expect profitable offers on debit cards from institutions that do not particularly need to attract clients - individuals. They are already doing well. In this case, we pay for their name and low risk. But, to each his own...
A mandatory step in choosing a bank is its participation in the state deposit insurance program. This information can be obtained on the website of the deposit insurance agency. If the license of the bank that issued your debit card is revoked, you will 100% get your money back (within 1.4 million rubles).
In 2017, the licenses of 51 banks were revoked, and by March 15, 2018, another 10 institutions lost the right to engage in banking activities. Moreover, most of the banks were participants in the CER.
If we have already decided on the banks from which we will study offers on debit cards, it’s time to visit their websites. It is best to get information on branches in each city, on mobile applications and online services from there.
At the last stage, I would recommend studying customer reviews. We all know that often this information is not objective, and sometimes even custom-made. But it’s worth turning on the internal filter and analyzing it in terms of specific facts, dates and figures. It is convenient to do analysis on the Banki.ru portal. This is an independent financial platform, which is the most cited media resource today.
For example, for Sberbank of the Russian Federation at the time of writing (mid-March 2018), there were 61,782 reviews. And only 42nd place in the national ranking. And in 1st place is Avangard Bank, which ranks only 51st in the ranking according to the Central Bank of the Russian Federation.
What’s also captivating is that not a single review goes unanswered. Bank representatives are trying their best to solve the problems that have arisen and eliminate misunderstandings. And very often clients change their rating to a higher one. According to the Banki.ru portal itself, its monthly audience exceeds 6 million people, so it makes sense to spend time studying it.
Making the right choice
If, based on the results of the previous section, you have identified three (five or ten) banks whose offers are worthy of your study, then it’s time to do this. How to make the right choice? What parameters should be used for further analysis? Let's make a list:
- Payment system (MIR, Visa or MasterCard).
Find out which payment system your debit card is linked to. MIR is valid only within the Russian Federation, so if you plan to use the card abroad, it is better to stick with Visa or MasterCard. Please note that Visa is pegged to the dollar, and MasterCard is pegged to the euro. Therefore, commissions for conversion from one currency to another cannot be excluded.
- Degree of protection.
Cards are issued with a magnetic tape on which information about the account holder is recorded, or with a microchip. Magnetic tape wears out over time and is often counterfeited by scammers. An electronic chip is considered more reliable. It is more difficult to counterfeit, it does not wear out, and information is read faster. Modern cards are often issued with both tape and chip at the same time.
- Plain or gold?
Cards, depending on the set of services that are provided to the owner, can be classic (standard), gold, platinum, etc. Think about what exactly you expect from the card: a simple opportunity to store money or also receive additional income. If you are looking for a card with free service, then be prepared that the functions it provides will be severely limited.
- Managing card transactions.
This is a very important parameter - the ability to carry out income and expense transactions on the card in real time. And it’s doubly convenient to do all this without leaving home or sitting at a table in a cafe, from your smartphone or laptop. This is where mobile applications and online bank offices come to the rescue. Therefore, check whether the card you choose has these and the cost of these services.
All information about cards can be found on the official websites of banks. But take your time - this process requires attentiveness and perseverance. Do not limit yourself to an advertising, concise description of a particular debit card. The sites mainly focus on the advantages and do not say a word about the disadvantages. And they definitely exist.
Where can I find out about them? Right there on the website. Banks provide links to banking service agreements, detailed descriptions of tariffs, loyalty programs, etc. Be sure to follow them and delve into all pages of the documents. And, as a rule, there are a lot of them. Small print is definitely not a help here. But it is in these documents that you will learn everything you need.
An important point that I advise you to pay special attention to is the overdraft conditions. An overdraft is a bank lending money if there is not enough money in a debit account. Sometimes without your knowledge. And you have to pay for any loan. I already wrote about this phenomenon in the article. Read and don’t let yourself be driven into a debt trap.
If the list of banks that you have chosen for analysis includes Tinkoff Bank, Sberbank or Alfa-Bank, then I have good news. I've already done a great job of identifying the pitfalls of their debit cards. Check out the results in my articles:
If your list consists of other banks, my articles will become a kind of instruction on what and how to look in order to find all the pros and cons in each offer. You don't have to have an economics degree to figure this out. Nobody canceled consultations with bank employees either.
What else can your card do?
A debit card has long ceased to be a simple electronic wallet. If you are still using it only to receive salaries and occasional payments for the phone and Internet, then it’s time to take a step forward. The card can work and bring you real money. At the same time, this is passive income that does not require you to have high knowledge in the financial sector or any active actions.
I'm talking about possibilities such as:
- accrual of interest on the account balance,
- refund in the form of .
Check whether the bank provides such a service for your card as accruing interest on the account balance. If yes, then this is a great opportunity to earn additional income. But there are many nuances that need to be identified in each specific case.
Let me show you with examples. On the Banki.ru portal I found all debit payment instruments with interest accrual on the account balance. There were few of them, only 16 proposals. Let's take for analysis the Tinkoff Black debit card, which offers us 6% per annum. But to receive them, you must fulfill the following conditions:
- do not keep more than 300 thousand rubles on the card,
- Pay monthly with your card for purchases worth at least 3 thousand rubles.
If you don't do this, you don't get any interest.
The Cosmos card from Home Credit Bank promises up to 7% per annum. But you must have a daily account balance of 10 to 500 thousand rubles.
And you can open a savings account with an Alfa-Bank debit card. Choose your own percentage from 1 to 30%, which will be deducted from your salary or every purchase. The account balance is charged 6% per annum. The remaining amount is any.
I think the technology is clear. Study each offer and determine whether you can fulfill the conditions set by the bank. If not, the card will turn into a regular electronic wallet that does not generate income.
Another program that many banks are actively advertising today is cashback cards. Cash back is the return of part of the funds after paying for purchases back to the card.
Here, for me, for example, the important point is how I will receive these returned funds. These can be real rubles, which are added to the amount available on the account, or virtual rubles - in the form of points. In the first case, I can spend them on anything or withdraw them in cash. In the second - only for purchases from partner companies of the bank.
Return percentages range from 1 to 40%. For example, on Card No. 1 from the Eastern Bank they promise up to 40%. The receipt procedure is simple: you need to select an online store from the list on the website and pay for purchases with a card. The amount of cashback depends on the store. Ozone can only give 1%, and Bonprix - 5%.
The “Thank you from Sberbank” program is available for Sberbank debit cards, in which cashback is virtual rubles that cannot be withdrawn in cash or paid for for any purchase. Accumulated bonuses can only be used in bank partner stores.
And with the Tinkoff Black card from Tinkoff Bank, cashback is awarded from 1 to 30% in real rubles. This is, of course, convenient and profitable. But there is one negative point here too. The purchase amount is rounded down. For example, if you paid 899 rubles with a card, you will only receive 8 rubles in bonuses. (with 1% cashback).
How much to pay for a plastic wallet?
Of course, the ideal option for a debit card user is its free service. But let's be realistic, friends. Banks are commercial institutions whose main goal is to make a profit. Therefore, if they give you the right to use a plastic card for free, then this is not their charitable action, but a cold calculation.
Once again, carefully re-read the banking service agreement. Determine the commission amount for:
- opening an account (issuing a card),
- annual maintenance,
- transfers between your accounts and to cards of other banks,
- cash withdrawal and deposit,
- online service.
Pay special attention to such issues as monthly and daily limits on withdrawals and deposits.
When studying the tariffs in detail, you can see that the small fee for annual card maintenance is easily compensated, for example, by the opportunity to receive interest on the account balance or return it from each purchase (cashback).
Conclusion
When I was thinking about the structure of this article, I wanted to structure it like this: make my own rating of debit plastic cards. It had to be based on my preferences and desires, on an analysis of the bank’s proposals, identifying advantages and disadvantages. And the logical conclusion of the article should have been the choice of the optimal option.
But, friends, we are so tired of attempts to constantly manipulate us: from the TV screen, from billboards, by phone and on the Internet. I abandoned the original idea of imposing my opinion on you. I decided to show the algorithm of actions, what questions must be studied, what to pay close attention to, etc. And the result of its implementation should be your card and no one else’s.
I will be waiting for your comments about the work you have done to select a debit card. Were you able to find a suitable option? Your advice on choosing is welcome. You will help readers save time and possibly money.
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 black 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 considered 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 QIWI financial group (Qiwi Bank). 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 6%. No need to search for specific categories or stores. Pay with it everywhere and get a stable 6 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.
In order to attract customers, credit institutions are waiving fees for issuing debit cards in 2018 and beyond. There are really a lot of offers, and the fee for issuing a card will make the product uncompetitive in the market. Over time, this option became insufficient to ensure a stable flow of clients.
Almost all debits require an annual service fee. That is, the client does not pay anything for issuing the card, but during the process of use he will pay the bank in parts or in full the amount for servicing the card. At the same time, there are enough products on the market that do not charge a fee either for issuing a card or for its annual maintenance.
Free debit card - how it works
When registering a debit, the potential client enters into an agreement with the bank. Before concluding a contract, the client is recommended to read the user agreement. This document contains all the information on the terms of use of the card. A free debit card may not be completely free, as some credit providers use a “second year” trick.
The card is issued free of charge, and the bank will not charge a fee for its servicing in the first year of use, provided that the holder uses only the standard package of services, without adding additional options. From the second year of use, the bank will charge a fee. Payment is collected monthly - when the amount is divided into 12 equal parts, or through a one-time write-off. In the second case, the account balance may go negative if there are not enough funds to write off.
Tariffs and payment terms are specified in the relevant sections of the user agreement. To ensure that the bank's collection of payment does not become an unpleasant surprise for the user, the information must be clarified before receiving the card.
If the user has decided on a card under the terms of which fees are charged from the second year of use, you can issue such a card and use it for exactly one year free of charge. When the free period expires, the card is closed. Thus, the client does not pay anything to the bank. Debit cards are closed quickly - just activate the corresponding option in your personal account.
Completely free debit cards also exist, and anyone can get them. It is a mistake to believe that such cards provide for a number of restrictions. The only restriction concerns the limits on making transfers and withdrawing funds. Such cards are completely identical to their paid counterparts in terms of functionality.
Where to get a card with free annual maintenance
It is advisable to divide offers into completely free ones - for which no fee is charged during the entire period of use - with partial payment - when the likelihood of charging a fee and its size depends on exactly how the client uses the card.
There are several completely free cards on the market. According to the terms of their issue and use, the client does not pay any fee to the bank. During use, this service is not reviewed by the bank. The most popular debit cards with free annual maintenance:
- "Accumulative" - RosEvroBank;
- “Card Plus” – Credit Europe Bank;
- "Pyaterochka" - Post Bank;
- “Cozy Space” - Rocketbank;
- "Capital INSTANT ISSUE" - Rosselkhozbank;
- “Honorary Pensioner” - Uralsib Bank;
- “Testing” - RosEvroBank;
- "Direct" - BCS Bank;
- "Pension World" - Sberbank of Russia;
- “Special status” - Asian-Pacific Bank;
- “Prepaid with simplified identification” - All-Russian Regional Development Bank.
Each free debit card is issued on a general basis, without any restrictions. Banks make personal offers to some clients for issuing such cards. In each case, a full range of services and options is provided for the most convenient use of the card.
List of cards with fees from the second year
If for some reason none of the designated cards can be issued by the client, then you can apply for a debit card issued with the conditions for charging a fee from the second year of use. Many of these cards, in addition to preferential services, provide the opportunity to accrue interest and return money in the form of cashback. These cards include the following:
- “CitiOnePlus” - Citibank (0-2500 rub.);
- “Tinkoff Black” - Tinkoff Bank (0-1188 rub.);
- “Multicard” - VTB (0-2988 rub.);
- “All at once” - Raiffeisenbank (0-1490 rubles);
- “Benefit” - Home Credit Bank (0-1089 rubles);
- “Smart Card” - FC Otkritie (0-3588 rub.);
- “Maximum income” - Loko-bank (0-7689 rub.)
- “Your PSB” - Promsvyazbank (0-1100 rub.);
- “Debit” - Touch Bank (0-2750 rub.);
- “Accumulative” - Russian Mortgage Bank (0-990 rubles).
Whether you will be charged or not depends on the process of using the card. For example, the “Accumulative” card from the Russian Mortgage Bank does not provide for payment from the second year if the annual turnover of funds for all completed transactions exceeds the established minimum. If the amount is not enough, then the user will have to pay 990 rubles per year for card maintenance.
Separate mention should be made of the product from Alfa-Bank, which launched the “NEXT” debit card. The card is issued as a youth card and has all the necessary options for its intended use. It is issued free of charge, but for each month the user pays only 10 rubles for annual service. The final fee will be 120 rubles, which is not so critical for most plastic card holders.
Cons of debit cards with no annual fee
There is a difference between free and paid cards, and this difference can be significant. First of all, this concerns the package of services. If there is no service fee, it means that the client has access to a limited range of options and services. Banks always charge a fee for SMS notifications, and without this option it is difficult to track card expenses. For free cards this option is disabled by default. You can connect it yourself, and it will cost up to 100 rubles per month.
Another significant drawback is the rule according to which cards without a service fee are issued in the form of non-personal cards. That is, the holder’s details will not be indicated on the front side. If a product is purchased for online purchases, then certain difficulties may arise with such a card, since online stores only accept payments from personalized cards.
You also need to remember about the degree of identification and security of the account. For its part, the bank uses all tools to ensure that transactions are carried out safely and funds are under reliable control. But for free cards the set of such tools is minimal. Mandatory rule: the higher the annual service fee, the more convenient and reliable the use of the card.
Finally, currency debit cards (or multi-currency cards) are not free to issue. Anyone can order such a card, but you will have to pay for the annual service according to the tariff established by the issuing bank.
: It is recommended not to give up basic services while using the card. The annual service fee includes not only additional services, but, first of all, convenience for the client. You can use the product without a mobile bank and without SMS notifications, but it will not be as effective and reliable as if such options were available.
Sberbank debit cards. Types, cost of service, limits and features of debit cards in Sberbank payment systems Mastercard, Visa and Mir in 2019.
In 2019, Sberbank of Russia offers debit cards of Visa, MasterCard and MIR payment systems. Depending on their needs, clients can choose Sberbank debit cards classic, gold or platinum. The line includes mile cards for travelers, charity cards, and free debit cards for pensioners.
Sberbank debit cards: limits on cash withdrawals
A debit card limit is a restriction on cash withdrawals from Sberbank at an ATM or through a cash register. Sberbank has set different limits on cash withdrawals for different types of debit cards. There are limits on cash withdrawals per day and per month.
Limit for cash withdrawals from Sberbank debit cards per day
Limits for cash withdrawal from Sberbank debit cards per month
The commission for cash withdrawals in excess of the daily limit through Sberbank cash desks is 0.5% of the amount exceeding the limit.
Unauthorized overdraft fee: 40% per annum
Sberbank cards: cost of service 2019
The cost of servicing Sberbank debit cards differs for different products. The highest annual service fee is for platinum cards, the lowest for classic cards.
Sberbank debit cards: types and features
Types, limits, cost of servicing and features of debit cards in Sberbank payment systems MasterCard, Visa and MIR for 2019.
Free Sberbank debit cards
Sberbank debit cards are also issued without annual maintenance, for example, special for pensioners or for clients of the Sberbank Premier package.
“Momentum” instant issuance cards
Sberbank cards without annual maintenance
Free instant Sberbank cards, which can be obtained at any bank branch in 10 minutes. You can pay not only in stores, but also online and abroad. To obtain it, you only need to be over 14 years old and have permanent or temporary registration in Russia.
Terms of use
Payment system: Visa, MasterCard;
Card validity: 3 years;
Registration of additional cards: no;
Contactless payment: no;
Cash withdrawal limit:
— per month: 100,000 rub. / USD 3,000 / EUR 2,500;
— per day: 50,000 rub. / USD 1,600 / EUR 1,200;
Sberbank MasterCard pension card / MIR
Free Sberbank cards for pensioners
These Sberbank debit cards are intended for receiving pensions and new opportunities for the active life of older people. The owner of this card gets access to many discounts and bonuses THANK YOU. Moreover, this Sberbank card with interest accrual on the balance.
Terms of use
Payment system: MasterCard, MIR;
Card account currency: rubles;
Card validity: 3 years
Contactless payment: no;
Cost of service: free;
Preferential mobile banking: the first 2 calendar months are free, then 30 rubles per month;
Interest on account balance: 3.5% per annum on card balance;
Cash withdrawal limit:
— per month: 500,000 rub.
— per day: 50,000 rub.
Amount of bonuses: 0.5% bonuses from each purchase.
Classic cards Visa Classic / MasterCard Standard / MIR
Sberbank debit cards with cashback
Classic Sberbank cards offer a whole range of services and a low annual maintenance cost. They can be obtained by citizens over the age of 14 for the main card and over 7 years for additional cards (for MIR cards, age over 14) who are registered in Russia.
Terms of use
Payment system: Visa, MasterCard, MIR;
(for MIR cards only rubles);
Card validity: 3 years;
Service cost: 750 rubles per year (for MIR cards in the first year 750 rubles, in subsequent years 450 rubles);
Cash withdrawal limit:
— per month: 1,500,000 rub. / 50,000 US dollars / 37,500 euros (for MIR cards 1,500,000 rubles);
— per day: 150,000 rub. / 6,000 US dollars / 4,500 euros (for MIR cards 150,000 rubles);
Registration of additional cards: yes (for MIR cards - no);
Contactless payment: yes;
Bonus program “Thank you from Sberbank”: yes;
Amount of bonuses: 0.5% bonuses from each purchase.
Cost of individual design: 500 rubles
Gold cards Visa Gold / MasterCard Gold / MIR
Privileged debit cards of Sberbank
Sberbank's privileged debit cards offer a high level of service, an expanded range of services provided, as well as attractive offers and discounts. They can be obtained by citizens over the age of 18 for the main card and over 7 years for additional cards who are registered in Russia.
Terms of use
Payment system: Visa, MasterCard, MIR
Card account currency: rubles, US dollars, euros (MIR - rubles)
Card validity: 3 years (MIR – 5 years)
Service cost: RUB 3,000/USD 100/EUR 100
Cash withdrawal limit:
Contactless payment: yes
Bonus program “Thank you from Sberbank”: yes
Amount of bonuses: 0.5% bonuses from each purchase, up to 20% from program partners..
Visa Platinum Debit Card: Card with Big Bonuses
Sberbank card with cashback up to 10%
It’s not for nothing that the Visa Platinum debit card is called the “Card with Big Bonuses.”
Using it allows you to return up to 10% of the cost of purchases with “THANKS from Sberbank” bonuses, which, in essence, is cashback.
Terms of use
Payment system: Visa;
Card account currency: rubles, US dollars, euros;
Card validity: 3 years;
Cost of service: RUB 4,900/USD 100/EUR 100;
Cash withdrawal limit:
Contactless payment: yes;
Bonus program “Thank you from Sberbank”: yes;
Bonus amount:
— 10% THANK YOU bonuses when paying at gas stations, Gett and Yandex.Taxi;
— 5% when paying in cafes and restaurants;
— 1.5% when paying in supermarkets;
— 0.5% for all other purchases.
Youth cards Visa and MasterCard
Especially for young clients under 25 years of age, Sberbank offers a debit card with which you can buy more: up to 10% of the purchase amount is “returned” to your account in the form of THANK YOU bonuses.
They can be spent on new purchases.
Terms of use
Payment system: Visa and MasterCard
Card account currency: rubles
Card validity: 3 years
Service cost: 150 rubles
Cash withdrawal limit:
— per month: RUB 1,500,000
— per day: 150,000 rub.
Bonus program “Thank you from Sberbank”: yes
Amount of bonuses: 0.5% bonuses from each purchase.
Contactless payment: no.
Individual design: 500 rubles upon registration.
Sberbank mile cards for travelers
Sberbank mile cards can be convenient for those who fly on airplanes. You pay by card and receive miles to your account in the Aeroflot Bonus program for every 60 rubles spent on the card. / 1$ / 1€.
Exchange miles for flights with Aeroflot and SkyTeam alliance flights, upgrade your service class and buy goods and services from program partners.
Aeroflot Visa Classic cards
Sberbank debit card for travelers
A classic bank card that allows you to accumulate and exchange accumulated Aeroflot Bonus miles for an award ticket for Aeroflot or SkyTeam alliance airlines. Can be issued in US dollars and Euros.
Terms of use
Bonuses: 1 mile for every 60 rubles spent on the card. / 1 dollar / 1 euro.
Payment system: Visa
Card account currency: rubles / US dollars / euros
Issuance of additional cards: yes
Contactless payment: no
Card validity period: 3 years
Maintenance cost: 900 rubles / 35 dollars / 35 euros per year
Cash withdrawal limit:
— per month: 1,500,000 rub. / USD 50,000 / EUR 37,500
— per day: 150,000 rub. / USD 6,000 / EUR 4,500
Bonus program “Thank you from Sberbank: no
Aeroflot Visa Gold cards
Sberbank gold debit card for travelers
A gold bank card that gives you the opportunity to accumulate and exchange accumulated Aeroflot Bonus miles for an award ticket from Aeroflot or SkyTeam alliance airlines. Discounts and privileges from the Visa payment system.
Terms of use
Bonuses: 1.5 miles for every 60 rubles spent on the card. / 1 dollar / 1 euro.
Payment system: Visa
Card account currency: rubles, US dollars, euros
Card validity: 3 years
Contactless payment: yes
Maintenance cost: 3500 rubles / 120 dollars / 120 euros per year
Cash withdrawal limit:
— per month: 3 million rubles. / USD 100,000 / EUR 75,000
— per day: 300,000 rub. / USD 12,000 / EUR 9,000
Commission for cash withdrawal in excess of the daily limit through the Bank's cash desks: 0.5% of the amount exceeding the limit
Bonus program “Thank you from Sberbank”: no
Aeroflot Visa Signature cards
Sberbank premium debit card for travelers
A premium bank card that gives you the opportunity to accumulate and exchange accumulated Aeroflot Bonus miles for an award ticket for Aeroflot or SkyTeam alliance airlines.
Terms of use
Bonuses: 2 miles for every 60 rubles spent on the card. / 1 dollar / 1 euro.
Payment system: Visa;
Card account currency: rubles, US dollars, euros;
Card validity: 3 years;
Contactless payment: yes;
Cost of service: 12,000 rubles / 250 US dollars / 250 euros;
Cash withdrawal limit:
— per month: 5 million rubles. / USD 170,000 / EUR 125,000;
— per day: 500,000 rub. / USD 12,500 / EUR 10,000;
Bonus program “Thank you from Sberbank”: no.
Sberbank charity cards
From each “Gift of Life” card, Sberbank of Russia transfers a donation to the “Gift of Life” fund:
— at the expense of your income in the amount of 50% of the fee for the first year of card servicing and 0.3% of the amount of your purchases
- from the available funds on your card account in the amount of 0.3% of the amount of your purchases
Cards "Give Life" Visa Classic
Sberbank charity debit card
By paying with the Gift of Life card, you help children fight severe cancer. To obtain it, you only need to be over 14 years old and have permanent or temporary registration in Russia.
Terms of use
Payment system: Visa;
Card account currency: rubles;
Registration of additional cards: yes;
Card validity period: 3 years;
Contactless payment: no;
Maintenance cost: 1000 rubles for 1 year / 450 rubles for each subsequent year;
Cash withdrawal limit:
— per month: 1,500,000 rub.
— per day: 150,000 rub.
Bonus program “Thank you from Sberbank: yes;
Amount of bonuses: 0.5% bonuses from each purchase.
Gift of Life cards Visa Gold
Sberbank Gold Charity Debit Card
By paying with the Gift of Life card, you help children fight severe cancer. To receive it, you only need to be over 18 years old and have permanent or temporary registration in Russia.
Terms of use
Payment system: Visa;
Card account currency: rubles;
Card validity: 3 years;
Contactless payment: no;
Maintenance cost: 4,000 rubles in 1 year / for each subsequent year 3,000 rubles;
Cash withdrawal limit:
— per month: 3 million rubles.
— per day: 300,000 rub.
Bonus program “Thank you from Sberbank”: yes;
Amount of bonuses: 0.5% bonuses from each purchase.
Visa Platinum debit cards “Give Life” PayWave
Sberbank Platinum Charity Debit Card
By paying with the Gift of Life card, you help children fight serious illnesses.
You get all the benefits of Sberbank platinum cards, and also spend money on charity.
Terms of use
Payment system: Visa;
Card account currency: rubles;
Card validity: 3 years;
Contactless payment: yes;
Cost of service: For the first year of service: 15,000 rubles / for each subsequent year 10,000 rubles;
Issue of additional cards: yes;
Setting an overdraft limit: no;
Cash withdrawal limit:
— per month: 5 million rubles.
— per day: 500,000 rub.
Commission for cash withdrawal in excess of the daily limit through the Bank's cash desks: 0.5% of the amount exceeding the limit;
Bonus program “Thank you from Sberbank”: yes;
Amount of bonuses: 0.5% bonuses from each purchase.
Transport Card
Map with the Troika transport application
This Sberbank debit card is convenient for paying for travel on city public transport using contactless technology. Pay with Apple Pay and Samsung Pay. Receive bonuses for paying by card and exchange them for discounts.
Terms of use
Payment system: Visa;
Card account currency: rubles, US dollars, euros
Card validity: 5 years
Maintenance cost: in the first year - 900 rubles, in the second and subsequent years - 600 rubles.
Issue of additional cards: yes
Release within the framework of a salary contract: yes
Availability of contactless technology on the card: yes
Cash withdrawal limit:
— per month: 1,500,000 rub.
— per day: 150,000 rub.
Bonus program “Thank you from Sberbank: yes.
How to apply for a Sberbank debit card
- — Contact any Sberbank office.
- — Show your identification document.
- — Sign the necessary documents.
You can apply online for a card via the Internet. The application will be reviewed within two business days, after which you will be notified of the bank's decision.
Find out more about the types, terms of use, limits and features of Sberbank debit cards on the official website www.sberbank.ru or at bank branches.
The information is not a public offer.
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