Using a bank card, Russians can not only save time, but also receive bonuses from the issuer. In Russia, banks offer cards with cashback, bonus program, free service or VIP privileges. The rating of bank cards allows you to choose the best offer in order to save on purchases daily and receive additional privileges from the issuer.
Top Credit Card List
Credit card - a bank product with a limit on the account. It is in demand among customers in the Russian Federation: every 10th Russian owns a credit card. Credit cards are issued to customers who have stable official income, therefore the bank provides certain privileges to product owners.
The main advantage of a credit card: in the presence of a grace period, it allows you to buy goods at any time without overpaying interest to the bank. The rating of bank credit cards includes offers with a grace period and an attractive interest rate.
List of the best credit cards:
- "Golden" card of Sberbank.
- “100 days without%” of Alfa-Bank.
- Tinkoff Platinum.
One of the conditions for obtaining a credit card is a good credit history. The bank has the right to make a request to the BKI when analyzing the profiles of the potential card holder. If there are delays in issuing a credit card in 9 out of 10 cases there will be a refusal.
The rating of bank cards is based on reviews left by customers on popular banking-related portals (Banks.ru and Compare.ru). The list of the best credit cards includes the top 3 products from issuing banks, credit cards of which are most in demand among Russians.
Sberbank credit card review
Visa Gold is a credit card of the largest bank in the country. It is distinguished by an interest-free period of up to 50 days, a limit of up to 600,000 rubles and the presence of the “Thank you from Sberbank” bonus program.
The program allows you to receive a return of up to 20% in the form of points from each purchase. The minimum bonus amount is 0.5% when paying for any purchase. No points are awarded for withdrawing cash or paying for utilities, as well as for transfers to the account (including other banks).
A "golden" credit card is issued to citizens of the Russian Federation from the age of 21 with a good credit history. For those who receive a salary to an account with Sberbank, credit cards are issued free of charge with the maximum possible limit for the client, but not less than 10,000 rubles on the balance sheet.
In the ranking of the best bank cards with a limit, Visa Gold takes 1st place. The “golden” product of Sberbank is the most popular credit card in the country, which can be obtained by anyone who receives a salary through Sberbank.
Advantages of a credit card “100 days without%”
In 2018, more than 6.1 million citizens became owners of Alfa-Bank cards, since the grace period on the card is up to 100 days. Within the specified period, the owner must make only the obligatory payment. Interest is accrued in case of payment of the remaining amount of debt after the period.
For all customers, a monthly cash withdrawal of up to 50,000 rubles is provided without commission. The maximum limit on Alfa-Bank’s credit card is 500,000 rubles.
It is not necessary to bring inquiries to become the owner of a credit card. When applying for “100 days without%” with a limit of up to 50,000 rubles, only a passport is required.
Privileges for Tinkoff Platinum Owners
A feature of the product is the minimum interest rate on a credit card in the Russian Federation: from 12% per annum. The maximum limit that is available to Tinkoff customers is 300,000 rubles.
The client can get a credit card for free, within 1-7 days from the date of application. The card is delivered by courier to a place convenient for the client.
There is a refund with points for purchases, the maximum is credited up to 30%.
Best Instant Cards
Instant issuance cards, or instant ones, are in demand by citizens due to the low cost of service. They are issued at the office on the day of application; only a passport is required to receive it.
Rating of bank cards of 2019 with instant issuance:
- A joint product of the Pyaterochka and Post Bank chain of stores is the MIR payment system card.
- Instant card of Sberbank Momentum.
- An offer from the first online wallet in Russia - Yandex Yandex card. Money".
Bank card with points from Pyaterochka
The product is issued for free. This is the best card with instant issuance in the bank card rating of 2019. The condition for receiving is the opening of a savings account.
The card gives you the opportunity to get up to 15 times more bonus points in the Pyaterochka chain of stores and earn 5000 points in the first year for free. In the first six months of use, for every 555 rubles in the check, the client additionally accrues 555 points on the Bank Post card. Points can be paid at Pyaterochka stores.
For payment in other stores, a cashback of 2 points is awarded for 20 rubles spent on the card. For 20 rubles spent in Pyaterochka, the client receives 4 points if his purchases are made in the amount of more than 555 rubles, and 3 points with a smaller check.
In the first 2 months of use, the SMS notification service is free. Further, the client will have to deposit 49 rubles per card monthly to use messages from Bank Post.
"Momentum" from Sberbank
Issued within 15 minutes. Obligatory presence of registration in the region of card issuance. Clients can receive Momentum at any Sberbank office. Card issuance is allowed if valid registered cards are available.
The limit is up to 50,000 rubles per month. Refund of up to 20% with “Thank you from Sberbank” bonuses. Service without commission.
Momentum is the most common instant product in the rating of bank cards. The information is based on the calculation of the number of reviews from the financial portals Banki.ru and Compare.ru in 2018 and 2019.
Sberbank provides the Mobile Bank SMS alert service for 2 months from the date of connection. Further, the cost of notifications will cost the cardholder 60 rubles.
Instant card from Yandex.Money in the network of Svyaznoy stores
The product is suitable for everyone who uses an online wallet and wants to make purchases not only through the Internet. Card cost - 200 rubles for 3 years.
For all purchases on the card, an instant cashback of 1% is accrued, every fifth purchase brings the owner 5% bonus rubles. The issuer provides discounts from partners up to 70%.
The card is tied to an online wallet account: the owner can pay with "virtual money" at any outlet, including online stores. Payment on the Internet is one of the main advantages of the instant issuance card from Yandex.Money. It is not always possible to pay online for Sberbank and Mail Bank products.
2 design methods are allowed: in the "Svyaznoy" mobile communication salons and via the Internet. In the first case, the card is issued on the day of registration, in the second - it is delivered free of charge by courier. After the expiration of the term, it is automatically blocked. To use an online wallet account, you must open a new product.
The best cards for seniors
When retiring, Russians want to give preference to the card not only in terms of convenience (withdrawing money without queues at any time of the day), but also the benefits. Therefore, retirement cards always differ in financial privileges for holders in the form of interest on the balance.
Pension bank card rating:
- “Pension” from “Bank Post”.
- WORLD "Social" from Sberbank.
- “Pension” from “Rosselkhozbank”.
Pension card terms and conditions at Post Bank
Opening and servicing of the Post Bank pension card is free of charge. The card is tied to a savings account: when registering a product, the client agrees to open a deposit with the opportunity to receive up to 6% of the account balance.
In the rating of pension bank cards, the best conditions for returning points for purchases are with the Bank Post card. For purchases in pharmacies, cashback is 3%, in addition, users receive 0.5% for paying for goods at other retail outlets.
A bonus when opening a card is the absence of a commission for paying utility bills in the amount of up to 10,000 rubles. No commission is also charged when transferring funds for utility bills in the network of the Bank Post and VTB branches.
Overview of the Social World map
The most popular bank card for senior citizens in Russia. Sberbank trusts more than 70% of citizens who have retired. Until 2016, more than 67% of customers receiving a pension at Sberbank used a passbook. With the advent and popularization of bank cards “Social”, the product has become the most sought-after way for calculating pension contributions in the country.
The main condition for applying for a pension card is related to the opening period: no more than 3 months before retirement. Product service is free.
On a quarterly basis, the account balance is charged at 3.5% per annum. Sberbank provides customers with the use of the SMS informing service for free the first 2 months after activation. Further, the owners of the "Social" card will pay only 30 rubles per month for SMS from 900.
In the rating of debit bank cards for seniors, the Sberbank product is inferior in capabilities to the Bank Post card. But this does not affect its popularity.
Pension card from Rosselkhozbank
“Rosselkhozbank” offers citizens to issue one of 2 card options for receiving a pension: instant and classic. Instant card is issued in the department immediately after the paperwork. The term for the production of the classic MIR "Pension" card is 1-14 days.
The owners of the Rosselkhozbank card can receive up to 6% per annum on the account balance. The bank's partners are Promsvyazbank, Alfa-Bank, Raiffeisenbank, and ROSBANK. At the ATMs of these companies, customers can receive cash from the Pension card without a commission.
The product is included in the rating of the best bank cards of the Russian Agricultural Bank. The issuer does not charge for messages about receipt of funds to the card account. Product service is free.
The drawback of applying for a card, compared to the terms of competitors, is the need for the applicant to apply to the Pension Fund in order to provide a document on transferring the pension to the bank. Sberbank and Post Bank automatically send information about new retirees to the territorial offices of the PFR of Russia.
Top 3 cashback cards
Cards with cashback allow the holder to receive a refund for purchases. The rating of the best cashback bank cards includes credit and debit cards:
- Alfa Bank.
- Tinkoff
- VTB.
Alfa-Bank cashback card
Alfa-Bank's debit product combines the advantages of cards with cashback and interest on the balance. Therefore, the card tops the ranking of bank cards with a cashback of 2019.
Card service will be free if the customer makes purchases worth more than 10,000 rubles per month. Otherwise, the owner will have to pay 100 rubles monthly.
The size of the cashback for purchases depends on the amount of expenditure from the card. The maximum cashback of 10% at gas stations is possible if you connect a premium package of services and expenses worth more than 100,000 rubles per month. Minimum customer receives 5% cashback at gas stations, 2.5% - in restaurants and cafes and 1% - for other purchases from the card.
To get cashback up to 10%, you can fulfill an alternative condition of the bank - to keep more than 30,000 rubles on the balance. Alfa-Bank charges up to 6% on the account balance.
Tinkoff Shopping Return Card
The largest online bank in the country offers a Tinkofff Black card. Her conditions:
- Cashback up to 30% of partners.
- 6% in the form of income on the balance. Interest is accrued once a month. The maximum balance sheet on which Tinkoff Bank calculates interest is 300,000 rubles.
- 5% cashback for purchases in categories selected by the client. On a quarterly basis, the owner of Tinkofff Black determines where it is more profitable to pay with a card: for example, cafes and restaurants, gas stations.
- 1% of cashback comes for any purchases that are multiples of 100 rubles.
The advantage of the product, due to which Tinkofff Black is included in the rating of the best bank cards, is free service and delivery. But Tinkoff demands the owner of the product: in order not to pay for the card, you need to leave at least 30,000 rubles on the balance sheet. Otherwise, 99 rubles will be charged monthly for maintenance.
With a Tinkoff Black debit card, customers can withdraw cash without commission anywhere in the world. This condition allows the product to also be included in the rating of bank cards for travel. The maximum limit for monthly withdrawals is limited - no more than 300,000 rubles. Withdraw money is available not only in Tinkoff Bank devices, but also in ATMs around the world: the minimum transaction amount should be 3,000 rubles.
What is attractive about "Multicard" from VTB Bank?
The advantage of the card from VTB Bank is the calculation of cashback in the amount of up to 10%. Once a month, the owner can choose the category of purchases from the list, according to which an increased cashback will be charged on all products of the corresponding category. There are 7 options for the choice of the payer. A client selects a category using a mobile application or online banking.
An additional advantage that allowed the product to enter the rating of bank cards in Russia with the most attractive conditions was the issue of up to 5 cards to the main account. VTB does not charge a fee for the release of additional products to the Multicard. When making purchases, customers can increase the size of their cashback: bonuses will be awarded taking into account the costs of additional cards.
But the product has drawbacks: if a customer makes purchases in the amount of less than 5,000 rubles per month, then the bank charges 249 rubles for the service of "Multicards". Subject to the conditions, in addition to the free issue and maintenance, the client gets the opportunity to withdraw cash from ATMs of other banks for free.
In the rating of bank cards with cashback, Multicard takes third place, since the process of calculating bonuses in a bank is different. Bonuses are refunded for a commission that is charged when spent at ATMs of other issuers or transferred to accounts of other banks. That is, first, interest on the operation is retained from the card balance, which VTB then reimburses in the form of a cashback.
The condition does not apply to spending on purchases: here bonuses are awarded depending on the selected option or promotion from partners. In the categories "Auto" and "Restaurants", a return of 10% of the purchase is possible.
VTB, like other issuers from the rating of bank cards, accrues interest on the balance of the card. The maximum client can get up to 6% of the Multicard account. The interest rate depends on the number of purchases made: if the expense exceeds 75,000 rubles, the bank sets the best conditions - 6% per annum for the balance. When spending no more than 15,000 rubles, only 1% is available to the client in the form of a reward from the issuer.