Bank cards with interest on the balance of own funds

It is convenient and profitable to accumulate funds using deposit and savings accounts . True, you cannot take this money into account: they become available only after a certain period of time. To ensure that funds were always at hand, and even multiplied, bank cards were developed with interest on the balance. In another way they are called profitable. We learn about the percentage of interest on popular debit cards and the conditions for their use from the article.

What it is?

Few people know about the existence of revenue cards and the principle of their action. In fact, this is an ordinary settlement “plastic”, the owner of which receives a fee from the bank with the balance of funds in the account. Income is calculated monthly based on the annual interest rate and the amount on the card. In some cases, certain conditions must be met to receive remuneration.

Cards with interest on the balance of own funds are a convenient product for those who prefer not only to use money, but also to accumulate it. The undoubted “advantage” of such a product is its free access to its own resources. If it is profitable to withdraw money through deposit programs after a certain period of time, then a profitable card can be used without restrictions. Interest is always accrued when the account balance is positive (or reaches a certain amount).

Not every financial institution produces profitable “plastic”, but with the growing demand for them, more and more interesting offers appear. Consider the most popular debit bank cards with interest on the balance.

Sberbank

The organization offers many deposit programs with different terms and conditions. But card products are not endowed with the function of calculating remuneration. The only exception is a pension social debit card with interest on the balance. Sberbank rewards holders at a rate of 3.5% per annum, moreover, the calculation is made daily. The amount is credited to the card once a month.

The interest rate is low, but nonetheless, the social card has its advantages:

• service and card issuance is free of charge;
• the program "Thank you from Sberbank" in the form of cashback with bonus points;
• registration of an additional card is possible;
• interest accrual daily;
• withdrawal of funds at bank terminals without commissions;
• participation in bonus programs from the MasterCard payment system.

A convenient and profitable means of obtaining a pension will be a debit card with interest on the balance. Sberbank offers reasonable terms of service and a small monthly fee.

Otkritie-Rocket map

Otkritie Bank, founded in Khanty-Mansiysk, at the end of 2015 presented a new co-branded Otkritie-Rocket card. Individuals can issue a product at one of two tariffs: “All Inclusive” and “Cozy Space”.

Moreover, the latter is absolutely free and guarantees a good percentage of reward. Cards with interest on the balance of Otkritie-Rocket are served by the MasterCard payment system. Class "plastic" standard - World.

The table below shows the conditions of the revenue card tariff plans:

For accrual of 8% per annum, the cardholder does not need to fulfill any conditions. Remuneration is always paid, regardless of the amount of the positive account balance.

Alfa-Bank Cashback Card

The profitability of this “plastic” directly depends on the activity of the holder. Card class - MasterCard World. If transactions are carried out regularly, a bonus is accrued in the amount of:

• up to 8% - on the balance of funds, transferred to the savings account;
• 5-10% - cashback for purchases at gas stations and expenses for restaurants and cafes.

The cost of such settlement “plastic” depends on the package of services that the client has chosen. Card service is 1200 rubles. in year. An additional fee will be charged for the established tariff plan. For example, the Optimum package of services costs 1929 rubles. in year. But if the balance on the owner’s account exceeds 70 thousand rubles, then servicing the card along with the tariff plan will be free.

Tinkoff Offers

This bank with a non-standard approach to customer service is pleased to offer several options for revenue cards. The most famous of them is Tinkoff Black of the MasterCard World or Visa Platinum class (at the client's choice) with the Cashback function for all purchases and a reward for the rest. The condition for receiving remuneration is to make payments per month in the amount of 3000 rubles. Subject to this requirement, the cardholder is charged 8% per annum. If the amount in the account exceeds 300 thousand rubles, the percentage is reduced to 4.

Other debit cards with interest on the balance and Tinkoff co-branded cashback: Aliexpress, OneTwoTrip, Svyaznoy-Club. Rewards for purchases are accrued on them in the form of bonuses that can be spent with a partner of the bank. The percentage of cashback varies from 1 to 30 depending on the category of goods. Annual card service is 99 rubles. per month, but with a sufficient balance in the account, banking services are provided free of charge.

Income card “Bank in your pocket”

Russian Standard CJSC issues a series of debit cards of various classes with an accrual of 4-8% on the balance. Products have a standard package of services corresponding to the type of "plastic". The series includes 5 categories of Bank in your pocket cards:

1. Classic - remuneration of 4-8% is charged on the balance up to 300 thousand rubles. The cost of service is 900 rubles. per year (free of charge for storage from 30 thousand rubles).
2. Gold - 8% is charged on the balance up to 1 million rubles. Service of the "golden" card - 3000 rubles. in year.
3. Platinum - the cost of 10 thousand rubles. in year. 8% on the balance of funds, access to premium programs from payment systems.
4. Travel Premium - MasterCard World worth 3000 rubles. in year. Remuneration is accrued only if the account balance is not less than 30 thousand rubles.

The program also offers bonuses and privileges to holders. Bank cards with interest on the remaining balance of the Bank in Your Pocket will delight the owner and cashback in the amount of 1-5%.

St. Petersburg Bank

PJSC St. Petersburg is the largest regional bank issuing some of the most profitable revenue cards. The interest rate ranges from 5 to 10%. True, not every client will be able to get an increased percentage. To pay 5% of the remuneration, it is required that a minimum of 50 thousand rubles be continuously saved in the account. If the condition is met within two months, for the third billing period the cardholder receives already 10% per annum. The rule is valid for all types of cards, including:

• "Bright" - MasterCard World.
• Visa (MasterCard) Unembossed.
• Visa Classic or MasterCard Standard.
• Visa Gold or MasterCard Gold.
• Visa Platinum or MasterCard Platinum.

Cashback is 0.5% excluding MasterCard World (1-2%).

Offers of other banks

The popularity of multiplying funds using debit cards is growing every day. In response, more and more banks are offering their programs. What other cards can be issued for savings? Consider them in the table:

Most cards bring good income if the funds are continuously stored in the account. At the same time, it is enough to save about 20 thousand rubles in order to consistently receive compensation.

Cards with interest on the account balance are a convenient and profitable banking product that allows you to not only use all the privileges of payment “plastic”, but also to accumulate funds.