What is the best way to draw up a debit card: bank choice, conditions, advantageous offers

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

With each year, cash transactions are becoming less popular and are giving way to non-cash payments. Recently, more and more people are facing the choice of the best debit card with favorable conditions.

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

Debit cards from Sberbank are popular. Which is better to arrange, it is not easy to decide.

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

So, which debit card is better to issue?

"Visa Premier"

Visa Premier card is the best debit card provided by Sberbank. Such a card gives its holder the opportunity for significant savings. Customers can receive discounts of up to 3% on services and goods defined by the bank. In other cases, the benefit will be 1%.

Which debit card is best issued at Sberbank is often asked.

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

1. Its validity period is 3 years.
2. Up to half a million rubles can be cashed per day.
3. Within a month, you can cash out up to 5 million rubles.
4. If the card is the main one at the bank’s client, then its servicing will cost 4900 rubles annually, if the card is optional, the cost of servicing will be reduced to 2500 rubles.
5. You can reissue the card for free.
6. The card can be tied to an electronic wallet.
7. There is an additional service - SMS informing.
8. Access to the services and functionalities of Mobile Bank and Sberbank Online is provided.
9. The possibility of providing an overdraft is decided on an individual basis.
10. Opportunity to participate in the loyalty program from the issuing bank “Thank you”.
11. Possibility to use the accumulated “Thank you” bonuses to pay for hotels and air tickets (if the reservation is made through the “Thank you” website).

The service charge for the product is not charged if the monthly balance on the card is not more than 2.5 million rubles.

It is better to issue a debit card of which bank; you have to decide for yourself.

Smart Card

Smart Card is a product of Otkritie Bank. This debit card is firmly in the lead in the ranking of the best debit cards and represents the best cashback card. The size of the cashback directly depends on the amount that the bank client spends - the higher the spending, the higher the percentage:

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

The terms of use for this debit product are as follows:

1. Validity is 4 years.
2. There is a possibility of self-installation of "Telecode".
3. The remaining amount of money on the card accrues a percentage of 7.5%.
4. Monthly payment for SMS informing is 59 rubles.
5. If the cost of the card is more than 30 thousand rubles, the card is provided free of charge, otherwise it will be 299 rubles for each month.

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

Visa signature

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

Customers are attracted, first of all, by accruals on the cash balance of the card, which make up 7.9%, which is much more than in other financial organizations. In addition, cardholders have the opportunity to receive a cashback of 1% of the amount spent on the card. Cashback is accrued every month.

In addition, the following conditions are provided to holders:

1. SMS informing.
2. Free issuance of cards with individual design.
3. Free insurance for a card holder for a period of stay in other countries.
4. Free recharge cards, issue.
5. Free receipt of account statements.
6. The sum of the maximum monthly cashback is 50 thousand rubles.

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

MasterCard Black Edition

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

1. 1% of the amount spent in trading and service enterprises.
2. 5% of the funds spent in restaurants, duty free, bars.
3. 10% of the funds spent on gas stations.

The terms of use for this debit product are as follows:

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

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

Which debit card is best issued, you can check with a bank employee.

"Card of impressions"

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

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

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

Not everyone knows which debit card to issue to a teenager.

You can cash funds from the card at VTB24 ATMs for free. In other ATMs, you can withdraw money free of charge twice a quarter, after which payment for the service will amount to 1% of the cashable amount, but not less than 300 rubles.

This debit product will be interesting for adolescents who spend a lot of money on entertainment.

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

Tinkoff black

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

1. If the balance on the card is 300 thousand rubles, but the buyer has not made a single purchase worth more than 3,000 rubles, then the charge will be 3%.
2. If on the card less than 300 thousand rubles, but purchases worth more than 3000 rubles have been made, then 7% will be charged.

Which Tinkoff debit card is better to issue is a topical issue today.

There are other conditions for using this debit product:

1. You can recharge a card for free.
2. Free SMS informing.
3. Monthly maintenance costs 99 rubles.
4. Other purchases are charged 1%.
5. If the buyer makes purchases in the categories selected in the mobile bank, the cashback will be 5%.

All cardholders automatically take part in banking loyalty programs, which allows you to receive cashbacks in the amount of 3-30%.

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

Visa Platinum Capital

This product represents the best offer provided by Rosselkhozbank.

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

Among the main conditions for using the card are as follows:

1. Up to 5 million rubles can be cashed in a bank per month.
2. Up to 1 million rubles can be cashed in bank branches per day.
3. Up to half a million can be cashed out at bank ATMs per day.
4. Automatic participation in the Harvest loyalty program.
5. The balance of funds is charged 1-5%.
6. Upon initial replenishment, it is necessary to deposit 34.5 thousand rubles on the card.
7. Serving each major or additional card issued will cost 4.5 thousand rubles annually.
8. The card is valid for 3 years.

"Planet Premium"

This debit product is provided by Promsvyazbank. Only adults are allowed to apply for this card option. During the first year of use, card service will be free, after which the fee will be 599 rubles, which will be debited monthly. For each additional card you will have to pay 2,000 rubles each year.

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

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

Which debit card is better to issue at Alfa Bank?

MasterCard from Alfa Bank

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

The card has some usage features:

1. Free card delivery by courier.
2. Quick clearance.
3. Participation in loyalty programs and promotions held by the bank.
4. Accrual of 8% on the amount of the balance on the card
5. SMS informing.
6. Preferential conditions for currency conversion.
7. Ability to manage a card account in Alfa-Click.
8. Free replenishment in any way convenient for the client.
9. Free cash withdrawal at any foreign ATMs.

Client card of Rosgosstrakh Bank

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

The terms of use for the debit product are as follows:

1. Free receipt of monthly account statements.
2. Free replenishment of a card account.
3. Automatic participation in bank-initiated loyalty programs.
4. Free access to a mobile bank.
5. Free service.
6. Accrual of 1% cashback on the amount spent on the purchase of goods.
7. Accrual of 3% cashback if the card is used at retail outlets specified by the bank.

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

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

User Comments

Users of banking products note that a universal card suitable for everyone does not exist. Any debit banking product has its own characteristics and is intended for a specific client. Before deciding on a specific product, they advise you to study the offers of several banks. However, as a rule, people prefer to choose the products of such well-known banks as Sberbank, VTB 24, Tinkoff, Alfa Bank.

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

Card products Visa Classic / MasterCard Standard / MIR Classical represent the best combination of low cost of service with a wide range of available features.