Which card is the most profitable? Tips for choosing bank cards. Which bank card should I choose? Visa Classic from Mezhtopenergobank

Finding the best value debit card is not an easy task. To choose suitable offers, look at the cost of service, the amount of cashback and the amount of interest on the balance.. In this article we will look at banks and their rating of debit cards:

Tinkoff Bank (Tinkoff Black)

Alfa-Bank (Cash Back card)


Raiffeisenbank (Visa Classic)





Sberbank (Youth card)


Promsvyazbank (“Your cashback”)


VTB24 (Multicard)


Rosbank (#EVERYTHING IS POSSIBLE+)

Tinkoff Bank (Tinkoff Black)

This is one of the most popular debit cashback cards in the Russian Federation and neighboring countries. Every month you can receive up to 10% cashback on a balance of up to RUB 300,000. What is very important, cashback from Tinkoff is truly a refund! Every month you receive money into your account, which you can use as you wish.

TinkoffBlack cashback percentages:

• Cashback on regular purchases - 1%
• Cashback from three categories chosen by you personally - 5%
• Cashback for bank partners is up to 30%.

Additional benefits of Tinkoff Black:

• One card - four currencies. Make a multi-currency card and instantly change currencies whenever it is convenient for you;
• Favorable currency exchange. At Tinkoff Bank, the currency exchange rate is as close as possible to the exchange rate;
• Payment via phone. You can pay for all your purchases through Google Pay, Apple Pay or Samsung Pay;
• Withdraw free cash without a card from Tinkoff Bank ATMs. You only need a phone with NFC.

If you have a deposit or more than 30,000 rubles remain on the card. by the end of the billing period, then servicing the “plastic” is completely free. In all other cases, the cost of service is 99 rubles/month.

When you sign up for the Tinkoff Black Edition premium card, you get a concierge from Prime, a car concierge from Alfred, travel insurance for 5 people with coverage up to $100,000, up to 10% cashback on accommodation bookings through Booking.com, 5% cashback on air tickets and 10 % for car rental. You also have access to Lounge Key airport lounges.

Both cards are free to use within the limits set in the tariffs. Tinkoff Black Edition will be serviced free of charge if you spend at least 200,000 rubles on purchases from all accounts or if you hold at least 3 million rubles in Tinkoff card, savings, brokerage accounts and deposits. In other cases, servicing the Black Edition will cost 1,990 rubles/month.

Alfa-Bank (Cash Back card)

The annual interest on the balance on an Alfa-Bank debit card is 6%.

Cashback conditions:

• 10% from gas stations;
• 5% from accounts at food establishments;
• 1% from other purchases.

Refunds are made for total card purchases of 10,000 rubles/month. Maximum refund amounts have also been established; So, when making purchases from 10,000 rubles. per month you can receive no more than 15,000 rubles. cashback for a month.

The service is free if you make purchases worth more than RUB 10,000. per month or have an account balance of more than 30,000 rubles.

Raiffeisenbank (Visa Classic)

Visa Classic is Raiffeisen's most popular debit card. It can be either ruble or foreign currency. You cannot change the currency, so approach your choice as responsibly as possible. Monthly service fee - 59 rubles.

Remember that you cannot withdraw and transfer funds of more than 200,000 rubles/day and 1 million rubles/month. If the replenishment amount is less than 10,000 rubles or is carried out via Internet banking or mobile application, then it's completely free. If you top up your account with more than 10,000 rubles, the commission will be 100 rubles.

It is most profitable to withdraw funds through ATMs of Raiffeisen or partner banks - then it will be free. For withdrawals from branches or ATMs of other banks, you will need to pay 150 rubles / or 5 $ / € commission + 1% of the amount. We do not recommend filming foreign currency through a bank cash desk. In this case, the commission is 0.7% (min. 300 rubles) in rubles or as much as $10/€10 if you have a foreign currency account.

RNKO "Payment Center" ("Corn")

With this debit card, you will earn up to 6.5% APR with monthly interest payments. When using the “Interest on balance” service, income from the balance increases to 7.5% per annum. In addition, you receive up to 3% cashback in bonus rubles for all purchases and up to 30% for purchases from partners. If we talk about contactless payment, Kukuruza supports PayPass and SamsungPay. If you have an Adndroid smartphone of another brand or an iPhone, then for now you will not be able to use payment from your phone.

You can get a Kukuruza card at any Svyaznoy retail outlet. Any online store accepts it. Foreign purchases in dollars and euros are automatically converted at the rate of the Central Bank of the Russian Federation.

Sberbank (Youth card)

The card is issued for clients aged 14 to 25 years. Maintenance costs only 150 rubles/year. This is one of the lowest indicators among our top.

You can top up your account with no more than 10 million rubles. No, we didn't make a mistake. The bank actually offers such larger volumes of debit cards for young clients. Daily withdrawal limit: 150,000 rubles, although you cannot withdraw more than 1.5 million rubles per month. These amounts should be enough for even the most fastidious student.

For withdrawals from ATMs of other banks, you will need to pay 1% of the amount, but not less than 100 rubles. You will also receive free mobile bank ing for the first 2 months. From now on it will cost 60 rubles. But you can save money by refusing SMS notifications. Then mobile banking will continue to be completely free.

The Youth Card offers a “Thank You” cashback of 0.5% on any purchases and up to 11% from partners. You can buy goods from bank partners for bonus “Thank you”. 1 bonus = 1 rub. discounts. Exchange bonuses for discounts up to 99% from bank partners. Contactless payments, connection to GooglePay and Apple Pay are also available here. In addition, with a youth card you can buy goods with a 20% discount from the bank’s partners. And the main feature " Youth card“- you choose your own design. That is, your card can show both a family photo and a funny meme.

Promsvyazbank (“Your cashback”)

You can apply for a card either online or at a bank branch. For each purchase, bonuses are awarded that can be used at the rate of 1 bonus = 1 ruble.

Thanks to the “Your Cashback” card from Promsvyazbank, you get up to 5% on three selected categories (for example, beauty, gas stations and health) and 1% on all purchases. The service is free if you have spent more than 20,000 rubles in a month. or you have this amount in your account, otherwise the fee will be 149 rubles. per month. SMS notification is paid: 39 RUR/month. Cash withdrawal fees apply only when receiving money from ATMs of third-party banks.

Promsvyazbank cooperates with the Shopotam service. When you sign up for a ShoppingCard, you will receive a free address for delivery of orders and will be able to combine items in a package.

VTB24 (Multicard)

For purchases using a VTB multicard, you will receive bonuses of up to 10%. You can then transfer bonuses to your account in cash or exchange them for goods or services from a special catalog. To increase your card turnover, you can issue up to five additional cards for your loved ones for free.

Card servicing is free if you make purchases worth more than 5,000 rubles. per month, otherwise the fee will be 249 rubles. per month

Rosbank (Supercard+)

With a card from Rosbank you will receive cashback:

• cashback up to 10% on selected categories and 1% on others;
• or travel bonuses for every 100 rubles. purchases.

Once a month you are allowed to change the selected categories for which you want to receive increased cashback. If you have chosen to receive travel bonuses, you can use them to pay for tickets and hotels on the Rosbank portal at the rate of 1 bonus = 1 ruble.

The service fee is 1999 rubles, the first year is free. However, the bank waives the service fee if you receive a salary of more than 50,000 rubles on the card. per month, make purchases worth more than 40,000 rubles. per month or have more than 500,000 rubles. on deposits and accounts.

Bottom line

Each cashback card has its own characteristics. With some you can earn bonus miles, with others you can get discounts at gas stations, and still others make shopping easier. Choose the card that suits you. Be sure to pay attention to:

• cashback;
• interest on the balance;
• price for additional services.

This is the only way you can choose a decent and profitable debit card with cashback.

Last update: 02/17/2019

Card for paying for purchases in stores

In order to pay for purchases, the Tinkoff Bank debit card is again excellent; what was described above about online shopping also applies to regular purchases. Cash-back for it is much higher, the same Sberbank offers only 0.5% instead of 1-5% with Tinkov. Although Sber now has a new debit card with a higher cashback, its maintenance is more expensive.

Thus, if, for example, you have health problems and need constant maintenance therapy, and you spend 5,000 rubles a month on medications, you will get 250 rubles back. For the year the amount will be 3,000 rubles.

Having a snack in a cafe for 300 rubles, you'll only save 15 of them. But if you dine this way several times a week, you may get back 2500-3000 rubles or more.

An article about how and what to save on to make it comfortable -

Which card to choose to save money in 2019

Everyone knows about deposits. But did you know that there is a card with which you can receive from 7% on your existing card balance.

This is still the same debit card from Tinkoff Bank.

• for an account containing 30,000 rubles, 2100 will be returned;
• 65,000 rub. - 4550 rub.;
• 100 thousand rubles - 7000 rubles..

Some may say that opening a deposit is more profitable.

Perhaps you will receive a rate higher by a couple of percent, but the deposit must be opened at long term, either deposit a large amount of money, or you will not be able to withdraw quickly.

You can withdraw money from a debit card at any time at any ATM, and all this without losing interest. At the same time, you do not need to wait for the bank branch to open, stand in queues, etc. So there's something to think about.

Which card to choose to pay for housing and communal services?

It may seem that the debit card Tinkoff Bank perfect. Not at all.

For payment utilities A Sberbank card is best. With its help, you can pay without commission in most cities, the main thing is that the relevant organization is in their database.

This is very convenient - just select in the desired section on the website or at an ATM the company to whose account the money should be received. You can also use the search to find the organization you need, enter the TIN in the search bar in the payments section. There shouldn't be any problems even in the regions. You can also pay for everything through an ATM, but this is less convenient.

Eg, if you live in Moscow and want to pay for electricity, in Internet banking you need:

• select “Electricity”;
• choose a company - “Mosenergosbyt”;
• enter the required amount and confirm the payment via SMS.

Thus, the payment will be completed in literally three clicks.

But this card is not suitable for saving savings - the interest rates on it are low.

• In the same time, it has other advantages - for example, if you receive a salary on it, the bank can provide a loan on preferential terms.
• Also Sberbank card used for payments on joint shopping sites.

Which bank card can I use abroad?

And again, there is nothing left to do but talk about the Tinkoff Black debit card; of course, there are alternatives to this card in other banks, but I myself use this card - it’s a kind of golden mean.

Main advantages:

• As for trips abroad, it is also easy to withdraw money from 3,000 rubles without commission from the bank, but you need to remember that local banks can set their own commissions.
• The course is also quite good, not to say the best, but not the worst either.
• As for blocking the card, you can notify the bank in advance via the Internet about your trip and there will be no problems.

For example, my wife and I went to Vietnam. By the end of the vacation we were a little short of money. We found an ATM on the Internet that does not charge a commission and withdrew 3,000 rubles through it. It's a pity that we didn't do this earlier, because... periodically changed money at the exchanger, not always at the most favorable rate.

Let me summarize - which bank card is best to choose?

I think it’s already clear that the optimal set in 2019 is 2 cards:

• If you want to make savings and make profitable purchases, the Tinkoff Black card will be an almost ideal choice.
• A Sberbank card will save time when paying for com services. services, it’s easier to make payments on joint shopping sites; you can get a preferential lending rate for a salary project.

It is best to have several cards and get the maximum benefit from each of them.

Here are the next steps on how to choose the right card:

1. Look at your expenses to choose the card with the most profitable cashback for you.
2. In what form is cashback awarded? Real money or bonuses that you won’t always be able to spend later.
3. Compare the annual service, somewhere it’s cheaper, somewhere it’s free, and somewhere you just need to keep money on the card.
4. What interest is charged on the balance and is it charged at all?

To make it easier to determine expenses, read the article on how to manage a family budget so that it brings results and manages to save money -

Sberbank is that credit institution, whose card every second Russian has. It is not surprising that one of the most popular questions on the Internet is which Sberbank debit card is better to open in this or that case? We'll figure out.

For payment

It all depends on what and where you are going to pay, and what options interest you.

Cheap and cheerful

If your goal is to pay for utilities and inexpensive purchases in offline stores, you can choose the simplest Momentum card. I’m glad that there is no commission for using it, and it is now accepted almost everywhere. But there is a minus - Momentum is not suitable for relatively large purchases, because... There is a limit on non-cash payments - 100,000 rubles / day.

The best option is classic Visa or MasterCard debits. Their service is not very expensive (750 rubles for the first year, then 450), and the functionality is wider.

Contactless payments

Are you keeping up with the times and want to pay for purchases using a contactless system? Pay attention to more status products - Visa Platinum (4,900 or 15,000 rubles/year), Aeroflot Gold (3,500 rubles) or Aeroflot Signature (12,000 rubles). There are also not very expensive ones: Visa Classic Contactless or MC Standard Contactless will cost 900, and then 600 rubles. in a year.

Online shopping

Do you need a tool purely for online payment? Then a good option – Virtual card. It does not have a material medium that is familiar to us, but it has all the details for use: expiration date, number (located in personal account SB Online), code CVV2 or CVC2 (sent via SMS). The price for service is purely symbolic - 60 rubles. in year. But there is one caveat - you can open a virtual account only if you already have a Sberbank debit card.

Bonuses for payment

Sberbank has a bonus program called “Thank you”, under which you receive 0.5% of purchases to your bonus account. It applies to all card products. But if you pay often, a lot and for large amounts, you can open a card that is called Visa with big bonuses. The bonus account will be credited with 1.5 to 10% of the amount spent.

But keep in mind that increased bonuses are paid only when spending in certain categories: at gas stations, cafes, supermarkets, restaurants and some others. And one more thing: this is Platinum, so the annual service is high - 4900 rubles. Therefore, consider and draw a conclusion whether such a price is justified and whether it will pay off with the bonuses received.

Miles for payments

It makes sense for travelers to consider a product called Aeroflot. By paying for purchases, you accumulate miles, which can later be exchanged for flights with the same Aeroflot or flights of the SkyTeam alliance. You can also use them to buy services and products from partners or upgrade your flight class.

There are three types of Aeroflot cards:

• Classic: costs 900 rubles. in the first year, 600 in subsequent years; 1 mile is awarded for spent 60 rubles / 1 € / 1 $;
• Gold: RUB 3,500/year; 1.5 miles for every 60 rubles/1€/1$;
• Signature: RUB 12,000/year; 2 miles per 60 RUR / 1 € / 1 $ spent.

For salary

To receive a salary, you can open any SB card, except pension and virtual.

If your status is not important, you do not receive millions, you do not plan to pay for large purchases and withdraw large sums, then an ordinary free “Momentum” will do. It is worth noting that bank employees are usually reluctant to open such cards. The argument is that they are supposedly social, i.e. to transfer some benefits. In fact, such restrictions are not specified in the terms of the tariff, and “Momentum” can also be opened for salary.

If you want to handle more or less large sums, travel abroad and easily pay for purchases via the Internet, choose for salary classic Visa or MasterCard. 750 rub. per year for use - not a very significant blow to the pocket of a working person. And in subsequent years, this amount decreases by almost 2 times (to 450 rubles/year).

By the way, if an employer has an agreement on a salary project with a bank, then, as a rule, this commission is paid by the employer himself.

For pensioners

A good option for receiving a pension is Sberbank-Maestro or MIR pension cards. It's better to take the first one, because... THE WORLD is clean Russian system, still “raw”, and only valid in Russia. But given that banks have been instructed to increase the number of MIR cards to 40 million in 2017, we can assume that bank tellers will issue them by hook or by crook.

Let's see what are the advantages of Sberbank pension cards:

• Free to use.
• If desired, you can issue additional cards, and even for children over 7 years old (not allowed on the MIR card).
• 3.5% per annum is charged on the balance card account(every three months).
• You can make non-cash payments, make transfers, make purchases in Russian online stores (but only in those that do not have 3D-secure technology).

Another plus: in some stores, pensioners are entitled to increased bonuses under the “Thank You” program. For example, in pharmacies “36.6” holders of simple cards receive bonuses in the amount of 2% of the check amount, and Pension card Sberbank-Maestro – 3%.

For translations

Transfer can be made from any debit card Sberbank. Therefore, when choosing, you should focus on which banks and what amounts you are going to transfer to, because... When carrying out operations there are some restrictions that cannot be exceeded.

Transfers from a debit card within Sberbank:

To begin with, it’s worth saying that when transferring money from a card to an account number or card number through an operator, there are no limits. But, firstly, going to the bank is not always convenient, and secondly, making transfers through remote channels (for example, through SB Online, mobile banking) is always cheaper. The downside is that in this case there are limits:

• for Gold, Infinite, World MasterCard, World MC Black Edition, Platinum, World MasterCard Elite products, you can send an individual no more than 301,000 rubles per day;
• for Visa Classic, MC Standard – maximum 201,000 rubles;
• for Maestro, Electron, Momentum, PRO100 - no more than 101,000 rubles.

Transfers to third party credit institutions:

When sending to an individual via remote channels, the following limits apply: you can transfer no more than 30,000 rubles at a time, and no more than 1,500,000 rubles per month. This applies to any cards, regardless of status. And here maximum amount per day is different:

• from any Visa, MasterCard you can send no more than 150,000 rubles;
• with Electron, Maestro, Momentum – no more than 50,000 rubles.

We conclude that if you plan to send small transfers, then choose the cheapest cards without annual maintenance. To operate with larger amounts, it is better to open a card with a higher status - at least a classic MC or Visa.

For accumulation

Unfortunately, debit cards with interest accrual at Sberbank is only available for pensioners. They can be opened by people who already have a pension certificate. All other clients will have to open a deposit to save, or look for income cards in other credit institutions.