The best card. How to choose a debit card. Card for paying for purchases in stores

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• New Product

  UniCredit Bank has released a new debit “plastic”

  UniCredit Bank has added a new card product to its portfolio. Cashback on the Chetverka card reaches 10% of the amount of payments in taxis and car sharing, toll roads, parking lots and public transport, as well as at gas stations. In all other categories of purchases, 1% of the financial transaction volume is returned to cardholders. For

  09 Apr 2019

• Changes in rates

  Loko-Bank changes the terms of use of debit “plastic”

  Tariffs for Loko-Bank debit plastic cards “Simple Income” and “Maximum Income” have been updated. To obtain the most comfortable rates of return, you must constantly keep at least 60 thousand rubles on card accounts and make monthly plastic purchases for a similar amount. In this case, the profitability of the “Simple” card

  03 Apr 2019

• Current

  Renaissance Credit has updated its debit card

  CB Renaissance Credit has updated the terms and conditions for using debit plastic cards. Currently, cashback on “plastic” is defined as 1% of the purchase amount (maximum 7 thousand rubles per month). The monthly fee for maintaining a card account is 99 rubles. “Plastic” becomes free when making card payments on

  08 Feb 2019

• New Product

  OTP Bank introduced a new debit “plastic”

  OTP Bank has added new plastic cards to its portfolio. You can get an “Instant Card” almost instantly. The card product is as simple as possible and can be issued in one visit to the financial institution. Bank card “Your choice. Shopping" is suitable for everyday spending. Cashback on plastic is up to 10%. Bonus opens

  27 Sep 2018

• Changes in rates

  Loko-Bank has updated tariffs for debit “plastic”

  Loko-Bank has changed interest rates on two debit card products. For the “Maximum Income” card, the maximum rate of return is set at 7.35% per annum. The rate is valid subject to placing at least 60 thousand rubles on the card, as well as active use of “plastic” (turnovers from 60 thousand). If conditions are met, fee

  June 04, 2018

• New Product

  Russian Standard Bank introduced a debit card for children

  “Children's card” is the name of the new card product of Russian Standard Bank. Debit plastic can be issued for children over 6 years old. The card is “linked” to the bank account of one of the parents, who has the right to set a cash withdrawal and spending limit for their child. The bank provides an SMS alert service

  May 23, 2018

• Changes in rates

  Home Credit Bank increases rates on debit cards

  Home Credit Bank announced from June 8 an increase in the profitability of the account balance on Visa Platinum and Cosmos cards to 7.5% per annum. Head of the card products department of Home Credit Bank Alexey Drachinsky notes that the interest on the balance on debit cards, including salary cards, is almost caught up with the rate on time deposits. In contrast

  June 01, 2017

• New Product

  UniCredit Bank presented a new package of EXTRA services with a premium debit card Visa Platinum+

  UniCredit Bank presented a new package of EXTRA services, designed specifically for active users who want to emphasize their status and receive additional privileges. Key advantages of the product: Premium debit card Visa Platinum+. Possibility to issue up to 5 additional Visa Platinum+ cards with free

  May 22, 2017

A plastic card is a tool for making payments. Today, banks provide two types of cards: debit and credit. The debit account has a simple account into which no interest is charged on the loan, but where any operations can be carried out - receiving wages, payments and transfers, and so on. A credit card implies the accrual of interest on the loan, as well as the necessary repayment of the debt within a certain time. Next, we will consider which bank card is better to choose.

Debit plastic

Almost every resident of Russia has a debit card in their arsenal. It allows you to make payments, purchases, and also has many other functions in its composition. Many banks work with debit plastic, but the most popular in this regard are Sberbank and VTB-24 cards.

You can choose a debit card based on the parameters that we will consider below. For example, according topayment system - Visa or MasterCard, Maestro, MIR and others. In Russia today all four systems are used.

1. If you plan to use plastic abroad, it is better to purchase a Visa or MasterCard. If you plan that the plastic will be used only in Russia, and also have limited functionality, then you can purchase a Maestro card.
2. Maestro belongs to the MasterCard payment system, but operates only in Russia. This plastic is given instantly when you contact the bank, which means it is practically free (a nominal fee).
3. The MIR card belongs to a payment system that operates only in Russia. The system was created with the goal that the card would be used by social institutions, for example, to transfer pensions or scholarships. Therefore, the card is used only in Russia and has fairly convenient service conditions.

You can also select plastic according to its level. Today there are 5 levels offered. These are social cards, classic, gold, platinum and Black Edition.

1. Social cards have a low level of service. They are cheap to maintain, but have limited functionality. Cards of the standard or classic level are most often used. It is to them that the company most often transfers wages, but for use it will be necessary to pay annual maintenance, which most often amounts to 750 rubles.
2. Ash or Platinum levels allow its owner to participate in closed events, belong to a select circle of owners, but they tend to have expensive tariffs.
3. The Black Edition Business level card is intended for businessmen, business owners and those with high income. The cards have large limits on withdrawals and transactions. These cards are served with priority.

Thus, the choice of a debit card must be made based on what it will be used for. If it is used to receive wages, social benefits, pensions, then you can purchase a simpler tariff, and if fairly large income is planned, then the card should be gold or higher level.

It is also worth remembering that each plastic card has its own service percentage, which in fact can be very high, for example, in some banks the cost of annual service for a platinum level card is about 15,000 rubles.

Benefits of debit cards

To choose a debit card, you need to evaluate its benefits. The following factors should be taken into account:

1. Possibility of accumulating savings through services. This is a big advantage for some banks. The service is called cashback, that is, any amount of purchases is returned as a bonus. For example, Sberbank offers a bonus program "Thank you". Bonus points can be used in full at partner stores of the organization. Today, such partners include banks offering household appliance stores, cell phone stores, pharmacies, and so on. You can also make the card a means of deposit. In this case, annual interest will be charged on the average monthly account balance. Most often, the interest ranges from 3 to 6% per annum and is charged to a separate account. This account is a deposit account, and from it you can transfer money directly to the debit account at any time.
2. Overdraft. This functionality is designed so that your plastic account can go into the minus. In this case, the card becomes a means of obtaining a loan. Most often, this service is installed on salary cards, and when a client does not have enough money before payday, he can always turn to the overdraft limit.

The funds must be returned before payday, otherwise they will be debited themselves and the card balance will be negative. No interest is charged for using an overdraft.

Credit cards

A credit card can be a regular payment card, or it can be provided as a tool for obtaining credit. Credit cards, as well as debit cards, have different levels, but receiving money is possible only in the first case. To select a credit card, you must provide the following parameters:

1. The amount of the interest rate. The cheapest banking products in Russia are issued at a rate of 19% per annum, the maximum percentage is 55%. Therefore, when drawing up an agreement, you need to familiarize yourself with the terms of the future loan and choose the most inexpensive one;
2. Card service cost, which must be paid once a year, and cost of SMS notification;
3. Availability of a grace period. The standard grace period in Russia is 50 days. During this time, if the client takes out a loan and pays it back, no interest is charged. This rule applies only to non-cash use of money. As soon as the client withdraws cash, the grace period ends and cash withdrawals are subject to a 3% fee. Cash withdrawals are the same at all ATMs.
4. Withdrawal limits. In order to withdraw fairly large sums, you need to apply for high-level plastic. If operations will be carried out under small limits, then you can apply for a classic tariff.

Thus, credit plastic does not differ in the breadth of its variety. Therefore, the choice is simple - most often the bank offers 1-2 standard level credit cards.

What to choose: Visa or MasterCard

Both payment systems are global, which means you need to rely on the currency you plan to work with: rubles, dollars or euros. Travelers often face the question of choosing a card. Today we can safely say that there are not many differences in working with currency. The most inexpensive system is the Master Card, but with a Visa, problems may arise when paying in Africa and Cuba.

MasterCard means no commission for cross-border transactions, which is especially important when traveling abroad. Also, MasterCard is often cheaper to maintain. If you plan to purchase a card from Alfa Bank or VTB-24, then the differences are small, but if from Sberbank, then it is better to get a MasterCard.

Which bank card is better to get?

Banks provide a large number of cards of different types and levels. It is quite easy to get confused in such diversity. Therefore, before contacting the bank, you need to determine the basic parameters:

• what type of card is needed – debit or credit;
• for what purposes the tool will be used;
• which payment system it should belong to;
• what level is required for operations - classic, gold or higher.

After answering the above questions, you can begin choosing the card program itself.

Sberbank

The choice of plastic at Sberbank is the widest among all well-known banks. Thus, the organization provides at least 7 types of debit plastic, and at least 5 types of credit. The most popular is debit classic. It implies the following conditions:

• payment system both Visa and MasterCard;
• three-currency account;
• cost 750 rub. in year;
• bonus program – 0.5% “Thank you” from each purchase.

You can add additional plastic cards to your payment instrument. The operation is possible from the age of 14. The advantage is the availability of contactless payment technology. Among the debit cards you can find Maestro, MIR, Aeroflot Visa, etc. The entire range is listed on the official website.

Many clients are interested in the features of classic cards. For classic products, the conditions are as follows:

• interest-free period – 50 days;
• maintenance per year – free of charge;
• limit – up to 600 thousand rubles;
• rate – 27.9%.

As you can see, plastic is quite easy to maintain, and the interest rate for the loan is minimal. This attracts many clients.

VTB

The most attractive service is the Privilege banking product. It allows the client to receive the following benefits:

• three-currency account;
• cashback – 1%, bonus accrual in a selected category – 5%;
• increased limits for withdrawing money and a large number of partner stores.
• The product is easy to use and has a name.

Among the VTB-24 credit cards, you can consider the VTB-24 Multicard. Program parameters:

• cashback – up to 10%;
• limit – up to 1 million rubles;
• Availability of interest-free period – 50 days.

Thus, the conditions of the plastic are standards. Any working person over the age of 22 can receive it. VTB has fairly strict requirements for borrowers, but card programs have attractive functionality.

Raiffeisen

The bank offers a new card in the debit line - AT ALL. It belongs to the Visa payment system and has a gold level. The conditions for using plastic are as follows:

• annual maintenance 4500 rub.;
• all payments from the card are made without commission;
• limit on all transactions for 1 day – up to 3 million rubles.

Thanks to the Gold level of the card, the terms of service are more than loyal. The card earns cashback in the amount of 1% of the purchase price. The money is accumulated in a separate account and can be withdrawn at any time.

The ALL IMMEDIATE credit card is an instant issuance product and can be received on the same day of application. The usage parameters are as follows:

• limit – up to 600 thousand rubles;
• 50 days – grace period;
• cashback - 1 point for 50 rubles. and 5% from certain product categories.

Thus, Raiffeisen Bank card programs are profitable and convenient. The card can ALWAYS be a tool of both a debit and a credit nature.

Tinkoff Credit Systems

Perhaps the most common bank that works with different types of plastic. From debit cards you can choose Black Platinum. The parameters are as follows:

• payment system – MasterCard;
• level – premium;
• limit – up to 300 thousand rubles;
• cashback – up to 30%;
• interest on the account - up to 7% per annum on the average account balance.

Thus, a premium card implies maximum benefits for customers. Unlike other banks, where business-level plastic is quite expensive to maintain (up to 12 thousand rubles per year), at Tinkoff the annual service is 3,000 rubles.

Among credit cards, we can mention Tinkoff Platinum. Conditions:

• limit – up to 300 thousand rubles;
• interest-free period – 55 days;
• debt repayment 5-8% monthly of the total amount;
• free replenishment.

A credit card from Tinkoff Bank is interesting because it allows you to accumulate points at the most favorable rate: 1 ruble = 1 point.

Thus, the question of which card is better to design is indeed very difficult. You need to familiarize yourself with information about different types of plastic on the official websites of banks and choose the most suitable one. Banking plastic is a payment instrument that is used almost daily, which means it must have high-quality service parameters.

Almost every person needs to open a card account. Sberbank of Russia can fully satisfy the needs of any client. It provides a wide range of plastic cards that are designed for different needs of all segments of the population.

Types of Sberbank cards

Sberbank offers its clients about 40 types of cards for different categories of the population. You can open the following types of cards at Sberbank:

• classical;
• instant card;
• youth;
• social;
• premium;
• gold;
• platinum;
• Aeroflot (accumulation of miles to spend on air tickets);
• “Give Life” (each payment by card means a small transfer of money to children with cancer);
• virtual;
• children's room (complete with card for parents).

Cards can be debit or credit. They come with a custom design if the client so desires.

Which card is better to open for use?

Which plastic card to choose depends on the client’s personal needs. It can be debit or credit depending on the client's needs. Cards allow you to save money, manage credit funds, pay for goods and services in stores, via the Internet, use contactless payment services, send money to other people and go on a trip with only plastic in your pocket, withdrawing money on the same terms as in Russia.

The bank also offers clients various promotions, bonuses and affiliate programs. The card holder can accumulate bonuses and pay with them. With their help, you can save and receive pleasant discounts on the purchase of air tickets, goods or services, as well as participate in charity by paying with a card.

Which Sberbank card is better to open for salary?

To transfer wages from an enterprise, a person can open any plastic card convenient for him (except for a pension card). This can be either a personalized card or an instant one, which is issued on the day of application. Most often, customers choose Mastercard or Visa debit cards:

• classic (regular and with the possibility of contactless payment);
• gold;
• premium;
• Aeroflot;
• "Gift a life";
• instant.

Any type of salary payment card provides the opportunity to pay for purchases in stores and on the Internet, withdraw cash from an ATM, and receive discounts and special offers.

Which card is suitable for savings?

By opening a savings account with Sberbank, you can not only save your money, but also earn money. But this option is only available to pensioners. By opening a social card to accumulate a pension, a person can receive an additional 3.5%. For other categories of citizens, offers to earn money on deposits and special programs for capitalization of deposits have been developed.

Which Sberbank card is suitable for pensioners?

Sberbank has created a special card for pensioners - a social one. The client does not pay a service fee. But at the same time he has access to all common banking services.

Depending on the payment system of the card, a pensioner can withdraw money abroad under the same conditions as at home (except for MIR cards). An additional bonus is a high interest rate for savings - 3.5% per annum on the card balance.

Which Sberbank card should a student open?

Sberbank knows how difficult it is for students to live on a modest stipend. Therefore, loyal conditions have been created for them. A special card product for students is the “Youth” card. For its maintenance you need to pay only 150 rubles per year. At the same time, the client can enjoy all the benefits available to holders of other cards.

Servicing a credit card for young people costs 750 rubles per year. The limit available to the borrower is 15,000-200,000 rubles. There are age restrictions on youth cards (from 14 to 30 years, depending on the type of card).

Cards with contactless payments

Recently, plastic cards with the possibility of contactless payment for purchases have been in great demand. It is very convenient and does not require much time. Most modern terminals are equipped with the function of accepting contactless payments.

The owner of the bank card only needs to bring it to the terminal with the built-in chip so that it is at a distance of 10 cm from the device. The chip responds to radio emission from the terminal. After this, the amount is debited from the card. The operation does not require entering a PIN code. In order to protect customers, restrictions have been set on the amount of contactless payment for purchases (up to 1000 rubles).

Cards for online purchases

Many people regularly make purchases of various goods via the Internet. Also, payment of utility bills, communication services, television and much more is available to all clients using Sberbank Online. Most cardholders have Internet banking enabled, so they do not need to leave home to make the necessary payments and transfers.

But you can do without plastic. You can open a virtual card. It does not have a physical medium, but provides all the necessary functions.

Sberbank cards with bonuses for payment

The “Thank You” bonus program is available to holders of most Sberbank cards. The owner of the plastic card, when paying with a card, receives bonus points into his account. They can be spent on purchasing goods in partner stores, online stores, paying for services, purchasing tickets, etc.

Cards with miles for payments

Aeroflot cards allow you to accumulate bonus miles. They are charged for non-cash payments by card. You can spend your accumulated points on purchasing air tickets with a high class of service from Aeroflot or SkyTeam.

Sberbank cards to maintain image and status

Sberbank gold and platinum cards emphasize the status of their owner. In addition, these cards open up wide opportunities for their holders. Such plastic is provided with a high level of protection and individual account service. The client receives discounts and offers all over the world.

The cost of servicing a gold card is 3,000 rubles per year, and a platinum card is 10,000 rubles. The holder of a platinum card has no restrictions or limits on transactions. This is important not only for the image, but also for the convenience of doing business and making all the necessary calculations.

Criteria and nuances of choice

First, a person should decide for what purposes he needs a card. He can open a debit card or take advantage of the opportunity to receive credit funds. At the same time, a credit card will provide almost all the same opportunities as a debit card.

There is a classification of plastic cards depending on the payment system. Sberbank offers cards Mastercard (European system), Visa (American payment system) and MIR (Russian payment system, which is not valid outside the country). If a person is planning trips abroad, then in order to withdraw money abroad without any problems, it is better for him to choose a Mastercard (no commission for currency conversion is charged) or Visa (conversion costs 0.65% of the amount).