10 best debit cards

What is a debit card

This is a card linked to an account that contains your own money. It is allowed to report funds to it and withdraw them. A card can be used to pay for purchases offline and online.

What are the criteria for evaluating cards

The word "best" in the title of the material suggests that we will compare different offers and select the most attractive. And this is possible only if we agree in advance on the criteria by which we will evaluate the cards.

• Service cost - how much you have to pay for banking services.
• Payment system. The most versatile and attractive are Visa and MasterCard, because they can be used to pay while traveling and on foreign sites when buying online.
• Interest on the balance. This is a nice way to increase your capital a little.
• Cashback and bonuses. Some banks return part of the money spent in rubles, while others add it in points or miles.

The most winning here will be cards with cheap or free service, interest on the balance and cashback, because it is more profitable to receive rubles than points. The bank's reliability and its position in ratings.

But it is worth remembering that the best debit card for you is always the one that is chosen for your income and needs. Therefore, read more about all these criteria in the special material of the Lifehacker.

Which debit cards are the most attractive

This is not a rating, but a list, so the order of the proposals does not matter.

1. Alfa-card from Alfa-Bank

• Maintenance cost: is free.
• Payment system: Visa or MasterCard to choose from.

Among the advantages of "Alpha card and cashback, and the accrual of interest on the account balance." You can get the first one if you spend at least 10 thousand per month on the card. In this case, you will get back 1.5% of expenses. If the amount of your purchases exceeds 100 thousand, the cashback will be 2%. But in any case, no more than 5 thousand rubles will be returned to you.

The percentage of the balance also depends on spending: 4% for purchases of 10 thousand or more, 5% - from 100 thousand.

Suitable for: those who do not want to bother.

This is a good option for those who want to use the card for free without additional conditions. The percentage on the balance looks attractive if you are in the habit of keeping large amounts in the account linked to the card. Cashback on closer inspection may not be as profitable as it seems. For example, if you spend 101 thousand per month, it will be only 2,020 rubles. But when calculating it, all purchases are taken into account, which is convenient if there is no system in your spending.

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2. Tinkoff Black from Tinkoff

• Maintenance cost: free of charge, if the account balance does not fall below 30 thousand within a month, a loan has been issued to the account or a deposit has been opened in the bank and it contains from 50 thousand. If none of the conditions is met, then 99 rubles per month.
• Payment system: Visa, MasterCard or Mir to choose from.

The balance is charged 4% per annum, but only when spending from 3 thousand rubles per month. In this case, the amount on the account should not exceed 300 thousand. There is also cashback: from 3 to 15% for purchases in your favorite categories and places that you can select in the application, and 1% for everything else. For special offers, the return can be up to 30%.

Suitable for: those who want to bother for the sake of profit.

The interest on the balance is good. Cashback with Tinkoff Black can be really profitable for those who are ready to deal with their favorite categories and to plan purchases so as to receive the maximum return. If it's not for you, the option is unlikely to impress you.

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3. "Smart card" from "Gazprombank"

• Maintenance cost: free of charge when spending from 5 thousand per month, or if the balance on accounts and deposits does not fall below 30 thousand, or when receiving a salary of 15 thousand on a bank card, or with a loan opened here. Otherwise, 99 rubles a month.
• Payment system: Visa.

As an advantage of the card, the bank offers cashback or miles. Once a month, you can change your choice and switch between bonuses.

The number of miles credited depends on the amount spent on the card. The minimum threshold is 5 thousand rubles. If you spend 5-15 thousand, for every 100 rubles spent you will be credited with one mile, 15-75 thousand - two miles, from 75 thousand - four miles. Additionally, they are credited for purchases in the Gazprombank - Travel service.

Cashback looks pretty interesting too: 1% for everything and up to 10% for the category in which you spend the most. It is determined automatically by the bank. The maximum also depends on spending: 10% will be charged at an expense of 75 thousand per month. With 5-15 thousand, it is 3%, with 15-75 thousand - 5%. In any case, no more than 3 thousand rubles will be returned.

Suitable for: those who spend a lot on the same thing.

Cashback will be profitable at large monotonous expenses. For example, if you spend large amounts of money for children's products. Keep in mind that the maximum percentage will be charged only for expenses that do not exceed 20% of the total expenses. Everything beyond that will go under the general heading.

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4. "Profit" from "Uralsib"

• Maintenance cost: free of charge when spending from 1 thousand per month or if the balance on accounts and deposits does not fall below 5 thousand. Otherwise, 49 rubles a month.
• Payment system: Visa.

If you spend at least 10 thousand per month, then on the balance On account will accrue 6.25% per annum. If the condition is not met, the percentage will decrease to 1%. Uralsib also has a bonus system, according to which 1 point is awarded for every 50 rubles spent. These points can then be spent on cashback from 1 to 3%.

Suitable for: those who receive little and spend little.

Uralsib has very sparing limits, so it is quite easy to get free service and an increased percentage on the balance. However, with high incomes, the percentage on the account balance will please, and the cashback, although not dizzying, will also be there.

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5. "Benefit" from "Home Credit Bank"

• Maintenance cost: free of charge, if you spend at least 5 thousand, keep at least 10 thousand on the account or receive a salary on the card. Otherwise, 99 rubles a month.
• Payment system: Visa.

If you spend from 5 thousand per month, then 5% per annum will be charged on the account balance of less than 300 thousand. Cashback is 1%, but you can get 3% for expenses at gas stations, cafes, restaurants and pharmacies, and up to 22% for purchases from partners.

Suitable for: those who receive little and spend little.

Here are the same advantages as the "Profit" card from "Uralsib". The limits are low, and the percentage is good. So with such a card you can save profitably - if you haven't found a tool with a higher profitability.

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6. "It's time" from the "Ural Bank for Reconstruction and Development"

• Maintenance cost: free for the first six months. Further, this condition remains if you spend from 15 thousand per month. Otherwise, the fee will be 99 rubles per month.
• Payment system: Visa.

When spending from 30 thousand per month, 1% per annum is charged on the account balance, from 60 thousand - 6%. Cashback also depends on expenses: for spending from 15 thousand per month, it is 3%, from 30 thousand - 6%. This percentage is valid only for the selected category - it can be changed every month. For spending outside this category, 1% will be returned, but not more than 3 thousand in total.

Suitable for: to those who spends a lot and saves a lot.

You will only be able to make money if these conditions are met. However, without this the card also copes with its main functions.

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7. "Cashback card" from "Raiffeisen Bank"

• Maintenance cost: is free.
• Payment system: MasterCard.

Cashback of 1.5% is credited on all purchases and returned to the card in rubles.

Suitable for: those who love simplicity.

Free card without nuances, which is suitable for online shopping - why not.

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8. Multicard from VTB

• Maintenance cost: free of charge at expenses from 10 thousand per month or 249 rubles per month.
• Payment system: a large selection from standard Visa and MasterCard to ingenious co-branding variations of "Mir".

You can choose the bonus yourself. For example, receive cashback: 1% for transactions up to 30 thousand per month, 1.5% for spending from 30 to 75 thousand. For purchases from partners of the Bank "Multibonus" program, the return can reach 15%. Another option is miles, on the same terms as cashback. You can also get bonuses in points: one or one and a half for every 100 rubles spent, depending on spending (the limits are the same). They are offered to spend them in the “Multibonus” loyalty program.

Finally, you can choose additional interest in plus to the savings account opened in the bank or in minus - to the loan. The option can be changed every month.

Suitable for: those who like to calculate everything.

A large selection is not only an advantage, but also a disadvantage. In order not to get lost in the options or not fall into a rather large monthly payment, you have to count and plan. But this card is definitely a good option for those who took credit at VTB and wants to reduce interest.

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9. "Your Cashback" from "Promsvyazbank"

• Maintenance cost: free if you store on the card or spend at least 20 thousand monthly. Otherwise, 149 rubles a month.
• Payment system: MasterCard and Mir.

With this card, you can get up to 5% cashback for three categories of your choice. For everything else - 1%. Moreover, you cannot return more than 3 thousand per month. And you need to spend at least 5 thousand monthly to get cashback.

Suitable for: those who receive payments from the budget.

State and municipal employees, pensioners, military and some other categories of citizens can receive money only on a card with the Mir payment system. If it can be made to provide additional value, why not.

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10. Opencard from Otkritie

• Maintenance cost: is free. For issuing the card, they will take 500 rubles, which will be returned after the total spending on the card is 10 thousand.
• Payment system: Visa, MasterCard and Mir.

Otkritie does not have the simplest cashback system. You can choose the same percentage for all purchases. In the first month it will be 3%, then 2%. An additional 1% will be charged when the total balance on all bank accounts is from 100 thousand or when paying off debt on a credit card.

Another option is to choose a category and get 5% cashback from it. If, at the same time, there are at least 100 thousand on the accounts, they promise to increase the return to 11%. Categories include travel, beauty and health, transportation, cafes and restaurants. You can choose them once a month.

Suitable for: those who plan to spend.

In good hands, even 5% cashback can be quite profitable. But it doesn't work for spontaneous purchases, so it's good for people. disciplined. And the choice of the "Mir" payment system makes the card attractive for state employees.

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