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Do you still think that a debit card is only necessary for employers to transfer your wages? Then you first need to read my article about. If you are already savvy about its optimal use, then it’s time to answer the question of which debit card choose.

This is the next question after: “Do I need it?” The answer must be based on in-depth analysis. This is what we will do now. We will study the issues of choosing a bank, its offers, and identify hidden nuances that should be paid close attention to.

As a result, we will develop an algorithm by which you can easily select the most profitable card that takes into account your needs, for the best money (or for free).

Which bank is better?

So, let’s ask a search query to the ubiquitous Internet: “Which bank’s card is best to apply for?” We get a ton of useful (and not so useful) information about all the offers that are relevant today. And what to do with all this usefulness? Let's decide on the criteria for choosing, first of all, a bank:

Place in the reliability rating.
Participation in the state deposit insurance program.
A network of branches throughout the country (for some this is important).
Availability of other methods of communication with clients (in the absence of offices).
Feedback from debit card holders.

The official website of the Central Bank of the Russian Federation publishes data on the activities of our financial and credit institutions. Key indicators are assets, loans issued and deposits. For example, at the end of 2017, the first places in the TOP 10 were taken by Sberbank, VTB and Gazprombank. Promsvyazbank closed the top ten.

It would be a good idea to look at changes in assets. For example, over the year at Bank FC Otkritie they decreased by almost 27%, at VTB - by 6%.

Experts advise paying attention not only to the top ten, but also to banks that are lower in the rating. Why? Because you shouldn’t expect profitable offers on debit cards from institutions that don’t really need to attract customers - individuals. They are already doing well. In this case, we pay for their name and low risk. But, to each his own...

A mandatory step in choosing a bank is its participation in the state deposit insurance program. This information can be obtained on the website of the deposit insurance agency. If the license of the bank that issued your debit card is revoked, you will 100% get your money back (within 1.4 million rubles).

In 2017, the licenses of 51 banks were revoked, and by March 15, 2018, another 10 institutions lost the right to engage in banking activities. Moreover, most of the banks were participants in the CER.

If we have already decided on the banks from which we will study offers on debit cards, it’s time to visit their websites. It is best to get information on branches in each city, on mobile applications and online services from there.

At the last stage, I would recommend studying customer reviews. We all know that often this information is not objective, and sometimes even custom-made. But it’s worth turning on the internal filter and analyzing it in terms of specific facts, dates and figures. It is convenient to do analysis on the Banki.ru portal. This is an independent financial platform, which is the most cited media resource today.

For example, for Sberbank of the Russian Federation at the time of writing (mid-March 2018), there were 61,782 reviews. And only 42nd place in the national ranking. And in 1st place is Avangard Bank, which ranks only 51st in the ranking according to the Central Bank of the Russian Federation.

What is also captivating is that not a single review goes unanswered. Bank representatives are trying their best to solve the problems that have arisen and eliminate misunderstandings. And very often clients change their rating to a higher one. According to the Banki.ru portal itself, its monthly audience exceeds 6 million people, so it makes sense to spend time studying it.

Making the right choice

If, based on the results of the previous section, you have identified three (five or ten) banks whose offers are worthy of your study, then it’s time to do this. How to do right choice? What parameters should be used for further analysis? Let's make a list:

Payment system (MIR, Visa or MasterCard).

Find out which payment system your debit card is linked to. THE WORLD operates only within Russian Federation, so if you plan to use the card abroad, it is better to stick with Visa or MasterCard. Please note that Visa is pegged to the dollar, and MasterCard is pegged to the euro. Therefore, commissions for conversion from one currency to another cannot be excluded.

Degree of protection.

Cards are issued with a magnetic tape on which information about the account holder is recorded, or with a microchip. Magnetic tape wears out over time and is often counterfeited by scammers. An electronic chip is considered more reliable. It is more difficult to counterfeit, it does not wear out, and information is read faster. Modern maps often released with both tape and chip at the same time.

Plain or gold?

Cards, depending on the set of services that are provided to the owner, can be classic (standard), gold, platinum, etc. Think about what exactly you expect from the card: a simple opportunity to store money or also receive additional income. If you are looking for a card with free service, then be prepared that the functions it provides will be severely limited.

Managing card transactions.

This is a very important parameter - the ability to carry out income and expense transactions on the card in real time. And it’s doubly convenient to do all this without leaving home or sitting at a table in a cafe, from your smartphone or laptop. This is where mobile applications and online bank offices come to the rescue. Therefore, check whether the card you choose has these and the cost of these services.

All information about cards can be found on the official websites of banks. But take your time - this process requires attentiveness and perseverance. Do not limit yourself to an advertising, concise description of a particular debit card. The sites mainly focus on the advantages and do not say a word about the disadvantages. And they definitely exist.

Where can I find out about them? Right there on the website. Banks provide links to banking service agreements, detailed descriptions tariffs, loyalty programs, etc. Be sure to follow them and delve into all pages of documents. And, as a rule, there are a lot of them. Small print is definitely not a help here. But it is in these documents that you will learn everything you need.

An important point that I advise you to pay special attention to is the overdraft conditions. An overdraft is a bank lending money if there is not enough money in a debit account. Sometimes without your knowledge. And you have to pay for any loan. I already wrote about this phenomenon in the article. Read and don’t let yourself be driven into a debt hole.

If the list of banks that you have chosen for analysis includes Tinkoff Bank, Sberbank or Alfa-Bank, then I have good news. I've already done a great job of identifying the pitfalls of their debit cards. Check out the results in my articles:

If your list consists of other banks, my articles will become a kind of instruction on what and how to look in order to find all the pros and cons in each offer. It is not necessary to have economic Education to figure this out. Nobody canceled consultations with bank employees either.

What else can your card do?

A debit card has long ceased to be a simple electronic wallet. If you are still using it only to receive wages and rare payments for telephone and Internet, then it’s time to take a step forward. The card can work and bring you real money. At the same time, this is passive income that does not require you to have high knowledge in the financial sector or any active actions.

I'm talking about possibilities such as:

accrual of interest on the account balance,
refund in the form of .

Check whether the bank provides such a service for your card as accruing interest on the account balance. If yes, then this is a great opportunity to earn additional income. But there are many nuances that need to be identified in each specific case.

Let me show you with examples. On the Banki.ru portal I found all debit payment instruments with interest accrual on the account balance. There were few of them, only 16 proposals. Let's take for analysis the Tinkoff Black debit card, which offers us 6% per annum. But to receive them, you must fulfill the following conditions:

do not keep more than 300 thousand rubles on the card,
Pay monthly with your card for purchases worth at least 3 thousand rubles.

If you don't do this, you don't get any interest.

The Cosmos card from Home Credit Bank promises up to 7% per annum. But you must have a daily account balance of 10 to 500 thousand rubles.

And you can open a savings account with your Alfa-Bank debit card. Choose your own percentage from 1 to 30%, which will be deducted from your salary or every purchase. The account balance is charged 6% per annum. The remaining amount is any.

I think the technology is clear. Study each offer and determine whether you can fulfill the conditions set by the bank. If not, the card will turn into a regular electronic wallet that does not generate income.

Another program that many banks are actively advertising today is cashback cards. Cash back is the return of part of the funds after paying for purchases back to the card.

Here, for me, for example, the important point is how I will receive these returned funds. These can be real rubles, which are added to the amount available on the account, or virtual rubles - in the form of points. In the first case, I can spend them on anything or withdraw them in cash. In the second - only for purchases from partner companies of the bank.

Return percentages range from 1 to 40%. For example, on Card No. 1 from the Eastern Bank they promise up to 40%. The receipt procedure is simple: you need to select an online store from the list on the website and pay for purchases with a card. The amount of cashback depends on the store. Ozone can only give 1%, and Bonprix - 5%.

The “Thank you from Sberbank” program is available for Sberbank debit cards, in which cashback is virtual rubles that cannot be withdrawn in cash or paid for for any purchase. Accumulated bonuses can only be used in bank partner stores.

And with the Tinkoff Black card from Tinkoff Bank, cashback is awarded from 1 to 30% in real rubles. This is, of course, convenient and profitable. But there is one negative point here too. The purchase amount is rounded down. For example, if you paid 899 rubles with a card, you will only receive 8 rubles in bonuses. (with 1% cashback).

How much to pay for a plastic wallet?

Of course, the ideal option for a debit card user is its free service. But let's be realistic, friends. Banks are commercial institutions main goal which is making a profit. Therefore, if they give you the right to use a plastic card for free, then this is not their charitable action, but a cold calculation.

Once again, carefully re-read the banking service agreement. Determine the commission amount for:

opening an account (issuing a card),
annual maintenance,
transfers between your accounts and to cards of other banks,
cash withdrawal and deposit,
online service.

Pay special attention to such issues as monthly and daily limits on withdrawals and deposits.

When studying the tariffs in detail, you can see that the small fee for annual card maintenance is easily compensated, for example, by the opportunity to receive interest on the account balance or return it from each purchase (cashback).

Conclusion

When I was thinking about the structure of this article, I wanted to structure it like this: make my own rating of debit plastic cards. It had to be based on my preferences and desires, on an analysis of the bank’s proposals, identifying advantages and disadvantages. And the logical conclusion of the article should have been the choice of the optimal option.

But, friends, we are so tired of attempts to constantly manipulate us: from the TV screen, from billboards, by phone and on the Internet. I abandoned the original idea of imposing my opinion on you. I decided to show the algorithm of actions, what questions must be studied, what to pay close attention to, etc. And the result of its implementation should be your card and no one else’s.

I will be waiting for your comments about the work you have done to select a debit card. Were you able to find a suitable option? Your advice on choosing is welcome. You will help readers save time and possibly money.

Hello, dear friends! As you remember, I already told you about what they are like. However, it seems to me that theory alone is not enough in this matter, and therefore I decided to help you find and order the most profitable and profitable plastic. I suggest you don't stretch the tires and go to the answer to the question, which debit card is better to apply for right now!

What to look for when choosing a card

If you are ready to become lucky and get the most profitable debit card online, then you should pay attention to such points.

Card service cost

The desire to save is in our blood. Unfortunately, such savings often lead to the abandonment of the most important things. Our debit cards were no exception in this matter. Most often, future bank clients choose the cheapest “plastic” for annual service, without paying attention to its functional content. However, I advise you to do future-proof choice: don’t be afraid to overpay at the beginning and purchase a truly profitable banking product that will include cashback and accrual of interest on the balance of own funds in the account.

Having these options can more than refund your annual maintenance costs. By the way, sometimes it can even turn out to be a very, very profitable acquisition. But becoming the owner of such a miracle product is very rare, since banks extremely rarely offer their clients promotions for issuing high-quality cards completely free of charge. Nevertheless, this moment is the case, and therefore I suggest you study the offers of banks.

Calculation of interest rate on the balance of own funds

Personally, I like this deposit service the most. This feature is very beneficial, but unfortunately, very few banks provide it. Therefore, I advise you to seriously consider in which bank it is better to open a debit card, so that along with plastic you will also have the opportunity to easily and unobtrusively accumulate through monthly interest incentives for your savings.

Cost of owning plastic

It is very important to find out how much it will cost you to open a current account, withdraw funds from an ATM, change your PIN code, or block your card. Such seemingly insignificant nuances can ultimately cost you a tidy sum.

Online banking

Quality and convenience online banking and the ability to connect it. It is very important that you can perform the same transactions as in a bank, right at home, at any time of the day or night. The ability to manage your accounts independently anywhere in the world where there is Internet will greatly facilitate your relationship with the bank.

Mobile app

Availability convenient mobile application will make it possible to check the status of your bank account directly from your mobile phone.

In addition, many programs can provide you with the opportunity to make cashless payments, transfer money, check bonus accounts with cashback and much more.

Limits

Especially the limit on cash withdrawals. To ensure the security of your finances, banks set daily cash limits on card withdrawals from ATMs. If you decide that you need a deposit with a larger cash withdrawal limit, you can always contact your bank and apply for an increase.

Which bank is better to get a debit card from?

Many banks will offer you a huge range of products, from plastic to plastic, without any maintenance fees. But here's how not to get lost in such a variety of bonuses and additional services and determine which debit card should you choose? I advise you to compare cards from several banks you like using the following criteria:

will you have the opportunity link the card with payment systems to withdraw funds from the latter;
how high quality and functional will it be? online banking and whether you can connect it;
can you connect SMS banking, by which you will control all your financial transactions;
will you be provided cashback and how widespread its network is.

Of course, when deciding where to get a card and which bank to go to, you will receive a lot of different offers regarding interest rates, limits and conditions for using “plastic”. Perhaps some of you will not agree with me, but from my own experience I can say that you need to choose a bank for opening debit cards from among the large commercial ones. This is due, first of all, to more favorable conditions than those offered by government agencies like Sberbank.

Commercial banks have adequate competition, which forces them to fight for their clients. Therefore, they tirelessly improve their service, quality of service, modernize Internet banking and mobile applications, and offer clients bonuses and discounts. So if you want to get the maximum benefits and benefit from purchasing a debit card, I advise you to give preference to commercial banks. By the way, for those who are thinking about putting a credit card in their wallet or opening a deposit, this advice is also relevant.

The best cards in my opinion

So, in order to decide which debit card can be considered the best, I bring to your attention a small list of the most profitable, in my opinion, banking products. I emphasize that This list is based on a purely subjective assessment. So, when I was faced with the question of which debit card I should get, I immediately turned to my faithful and reliable friend, the Internet, for help. He told me about the top 100 Russian banks, among which I began my search. I’ll tell you right away that the top ten states in this rating will not offer you “mountains of gold”, since they do not need support from additional financial resources. After going through the ratings of the largest financial institutions, I settled on the following options:

Tinkoff Black debit card

Among the offers of simpler and unpretentious banks, “plastic” looks quite attractive and interesting. I myself am a holder of this card and I can tell you with a clear conscience that the products are perhaps the best in our country in terms of ease of use and all the advantages that the bank provides.

As for the conditions and percentages of the Tinkoff savings card, by placing an amount on it that does not exceed 300,000 rubles, you will provide yourself with passive income in the amount of 6% per annum. If you decide to top up your account with a larger amount, be prepared for the fact that the card’s profitability will drop by half and amount to only 4% per annum. By withdrawing amounts from any ATM from 3,000 rubles, you don’t have to worry about the commission, it simply won’t be charged. You can manage your own account directly through mobile app, and for purchases paid by card you will receive cashback ranging from 1 to 30 percent from the amount spent. Well, having an open ruble deposit of at least 30 000 , you are guaranteed to get rid of the need to pay for annual card maintenance.

Apply for a Tinkoff card

Alfa Bank

Cards from this bank take an honorable second place in my rating. The undoubted advantage of this bank can be considered high cashbacks from 1% on all purchases and up to 5-10% depending on categories (for example gas stations, cafes, restaurants), Cash withdrawals without commissions from ATMs of partner banks throughout the Russian Federation and profitability of savings account 6% of the amount. As for the characteristics of the “alpha” plastic, I can’t say that it is better or worse than the “Tinkoff” one, since their conditions are very similar, however, I have a personal sympathy for the latter because of their service, the work of technical support and In general, I did not have any difficulties or problems with it, and therefore I send him to the top step of the personal rating podium. To apply for a card, you need to fill out an application on the bank’s website.

Order an alpha bank card with profitable cashback

Rocket

Rocket Bank (aka "Dot") is a branch of Otkritie. Offers excellent income deposit, the maintenance of which will not cost you money.

As for the amount of annual interest accrued on the balance of own funds, Rocket Bank is somewhat more generous than Tinkoff, and offers clients 6.5% on balance. The only downside I would name is that this is where the bank’s products end, there are no credit cards, no mortgages, there is only a mobile application and that’s it. If we talk about the reliability of the bank, then Rocket Bank is a convenient banking service, but now, in addition to the service, it has an owner. Since December 2015, he has been monitoring the finances and is a powerful foundation of Otkritie Bank.

Apply for a Rocketbank card

Results

In this article I tried as succinctly and informatively as possible to tell you about the rules for choosing debit cards, I compiled the optimal, in my opinion, rating of the offers existing on the market of the Russian Federation today. I really hope that the knowledge gained in this review will help you make the right decision and not make a mistake in choosing a banking product. You can find more information about cashback, % accrual on the balance, and annual maintenance in other articles on my blog. Be smart and see you soon!

If you find an error in the text, please select a piece of text and click Ctrl+Enter. Thanks for helping my blog get better!

When applying for a card, applicants are guided by its benefits. Standard benefit criteria - a large number of available options for minimum costs. Here you can add increased limits on withdrawals and transfers, as well as a wide affiliate network, within which you can carry out transactions without commission or any additional fees. And finally, options such as CashBack and interest on the balance become mandatory over time.

Cash withdrawal by debit card

The key purpose of any debit card is the holder’s ability to conveniently use their own funds. During the use of the card, numerous transactions are performed, so the owner often has to withdraw cash.

Withdrawals are made at our own and partner ATMs. In this case, no transaction fee is charged. When withdrawing cash from ATMs of third-party banks, a commission is debited from the card account at the rate established by the issuing bank.

Such restrictions apply in conjunction with the cash withdrawal limit. Banks set daily, weekly, monthly, and one-time limits. There is no provision for exceeding the limits. The maximum total (monthly) withdrawal limit is 600,000-3,000,000 rubles.

At the same time, withdrawals without commission should be allowed not only at their own ATMs, but at partner ones. The more partners the issuing bank has, the more convenient, and, accordingly, more profitable it will be to use a debit card. The applicant should pay attention to the number of partners and the size of the limits before applying for a card.

Benefits in interest and cashback

Debit cards have ceased to be a tool only for using your own funds several years ago. Cashback interest accrual programs developed by banks also help you earn money on the card.

The best debit cards combine these two options. The user has the opportunity to receive interest on the balance and return part of the spent amount at the same time - after the expiration of the reporting period.

The standard interest accrued on the card balance is 1.5-3%. This value is found on most debit cards with this option. At the same time, there is also an increased percentage of 6-10%, but subject to certain conditions. For example, some banks charge the maximum interest on the balance provided that the balance exceeds the minimum determined by the bank.

With Cashback the conditions are more transparent. The client makes purchases, and the bank returns part of the amount spent to him. Banks are ready to return the maximum Cashback when making purchases within the affiliate network. Some credit institutions issue refunds only for purchases made at partner companies.

The return amount can reach 30% or more, but provided that the client makes a purchase of goods for a certain amount in a specific store or outlet. Best cards with the Cashback option they offer a return of 1-1.5% on all purchases. This is what you need to pay attention to - the possibility of receiving bonus points for all purchases made with the card.

Fee for issuing and servicing a debit card

If we talk about benefits, it means that the costs of the potential card holder are expected to be minimized. The process begins from the moment the card is issued - when the client learns about its value. Those,

Those who need a card to make quick transfers without additional services can apply for a free debit card at almost any credit institution. As a rule, such cards are also instant.

The absence of fees for the issue and subsequent maintenance of the card is a controversial condition, since such cards provide a limited range of services and it is a stretch to call them profitable. Cashback and interest accrual are minimal here, and such necessary options as SMS notifications and mobile banking are absent by default.

The optimal fee for a standard debit card can be considered a fee in the range of 750-1500 rubles per month. The fee can be debited as a one-time payment or divided proportionally over 12 months. The last scheme is found on cards issued by Sberbank of Russia.

Additional services and options for debits

A profitable debit card should have advanced functionality that allows the holder to use their own funds as conveniently as possible, and most importantly, reliably.

Before issuing a card, a potential client pays attention to the presence (absence) of the following options and conditions:

an Internet banking system that allows you to manage your card and perform a number of operations remotely in your personal account;
The validity period of the card is, in priority, 3-5 years with the possibility of free extension of the current agreement;
bonus programs and promotions, not counting the Cashback option and interest on the balance;
a small commission when withdrawing cash from ATMs of banks that are not part of the partner network;
overdraft – at the client’s request;
the ability to link the card to electronic payment systems (QIWI, Yandex.Money, Webmoney) with low fees for withdrawal and deposit of funds;
a sufficient number of ways to top up your card account;
stable bank support and reliable security measures for the holder’s account;
using bonuses received for various purposes, and not just in the areas specified by the bank.

A debit card is a payment instrument, therefore, before receiving it, the potential client carefully studies the terms of the user agreement, compares them with the above criteria, and only after that makes the final choice. This is the only way to choose the best debit card from the large number of available offers.

How the debit card is the most profitable in 2018

It will be extremely difficult to combine all the criteria for determining benefits in one debit card, but getting closer to their maximum number is quite possible.

The main thing is not to rush into making a choice, and start from the possibility of making real money or saving money and convenient use of the card’s capabilities. If we add here relatively inexpensive annual maintenance and a wide range of additional options, then sample list The most profitable debit cards of 2018 will look like this:

Debit card (Renaissance Credit).
Citi Priority (CitiBank).
Smart Card (FC Otkritie).
Savings card (RosEvroBank).
Comfort (Binbank).
Bank in your pocket Gold (Russian Standard).
Debit Platinum (Rosbank).
Tinkoff Black (Tinkoff Bank).
MasterCard Unembossed - My income (Sovcombank).
Multicard (VTB).

In order for a card to receive the right to be included in the ranking of the most profitable, all its main and additional conditions are analyzed. An important criterion for selection is popularity among consumers. In general, the assessment is subjective, since for a conditional user it is his debit that is the most profitable among the others. During the analysis, statistical data was taken into account: the number of issued cards of a certain name since the beginning of the year.

: This list will help make decisions for those who do not yet have a debit card at their disposal, or for those who want to try something new. In any case, the debit cards from the rating deserve the attention of potential consumers.

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 cash, 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 under the same conditions 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.

Service credit card for young people it 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

Last time in great demand They use plastic cards with the possibility of contactless payment for purchases. 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. Can be opened 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, buying 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 high level protection and individual account maintenance. 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).

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