10 best debit cards with free service
Get Rich Educational Program / / January 05, 2021
What is a debit card
This is a card that you can use to pay only with your own money in your account.
What are the criteria for evaluating debit cards?
This material contains cards with free service. But this is not the only important criterion that may be interesting. To find the best deals, we also considered the following factors:
- Payment system. The most popular are Visa, MasterCard and domestic Mir. But with the latter, there can be difficulties when shopping abroad and on foreign sites.
- Cashback and bonuses. If the card allows you to get any preferences, this automatically makes it more attractive.
- Interest on the balance. It will not work to get rich thanks to the low key rateBank of Russia key ratehowever, it would be unfair to ignore this criterion.
- The reliability of the bank and its position in ratings.
find outđź’°
- How to choose a debit card
What are the most attractive debit cards with free service?
This is not a rating, but a list, so the order of the proposals does not matter.
1. Alfa-card from Alfa-Bank
- Payment system: Visa or MasterCard to choose from.
If you spend more than 10 thousand per month on the card, then the amount spent is charged cashback in 1.5%, more than 100 thousand - 2%. In addition, interest is charged on the account balance. The conditions offered will not make you rich, but coupled with the free service they make this card attractive.
Checkout →Â
2. "Cashback card" from "Raiffeisen Bank"
- Payment system: MasterCard.
All purchases are credited with a cashback of 1.5%, which is then returned to the card in rubles. Everything is simple and straightforward.
Checkout →Â
3. Opencard from Otkritie
- Payment system: Visa, MasterCard and Mir.
Otkritie offers the client to choose the cashback system himself. This is either the same value for all purchases - 3% in the first month, then 2%, or 5% in the selected category. You can change the category once a month.
For issuing a card, you will be charged 500 rubles, which will be returned after a total spending of 10 thousand.
Checkout →Â
4. "Multicard" from VTB
- Payment system: a large selection from standard Visa and MasterCard to sophisticated co-branding variations of "Mir".
The client can choose the bonuses himself: receive cashback, or miles, or bonuses in the amount of 1%. The latter can be spent in the “Multibonus” loyalty program. The bank also has an extended package with increased bonuses. But, if you choose them, the service will be free only if certain conditions are met. For example, when spending from 10 thousand per month.
Checkout →Â
5. "Comfort" from the "Ural Bank for Reconstruction and Development"
- Payment system: MasterCard.
UBRD offers cashback of 1% for purchases of 5 thousand rubles per month and 1.5% for purchases of 15 thousand rubles per month. Moreover, the maximum refund amount is not limited. But that's not all: additional cashback is provided for expenses on communal: 1.5% when spending from 5 thousand, 5% - from 15 thousand. There is already a limit of 500 rubles per month for him.
Checkout →Â
6. "Own card" from "Rosselkhozbank"
- Payment system: a large selection from standard Visa and MasterCard to sophisticated co-branding variations of "Mir".
You can choose the cashback system. One option is to receive a return of 2-4% for everything, the amount depends on the amount spent. The second - 1.5% for everything and 5-15% in the selected categories.
Checkout →Â
7. "Green benefit" from "Home Credit Bank"
- Payment system: Visa.
It is a map made from renewable, environmentally friendly raw materials, aimed at those who care about the world around them. The cashback system is appropriate: 1% for everything and 10% for “green partners” - loyalty program participants who share environmental values.
Checkout →Â
8. Alfa Travel from Alfa-Bank
- Payment system: Visa.
Map for travelers: with monthly expenses of 10 thousand or more, for every 100 rubles spent, 2 miles are credited, for purchases on the Alfa Travel service - from 2.5 to 9 miles. You can spend them there at the rate of 1 mile = 1 ruble. And they also promise a percentage on the balance.
Checkout →Â
9. #all immediately from Raiffeisen Bank
- Payment system: Visa.
Points are awarded for the amount spent: in the first year for every 50 rubles, then for every 100. The points can then be exchanged for rubles: get 250 rubles for 500 points or, for example, 50 thousand for 20 thousand points.
Checkout →Â
10. Gazprombank - Gazpromneft from Gazprombank
- Payment system: MasterCard.
You will have to pay 400 rubles to issue the card. But as a bonus, the bank offers favorable conditions for car owners. For every 100 rubles spent not at Gazpromneft filling stations, one point will be awarded, but not more than 2 thousand points. At a "profile" gas station for the purchase of a liter fuel will accrue from 0.6 to 1.5 bonuses, another bonus for every 50 rubles spent on other purchases. Points can be used to pay at Gazpromneft filling stations.
Checkout →Â
Read alsođź’łđź’°đź’¸
- How to make money on a debit card
- How to close a bank card so as not to go into debt
- 10 best debit cards
- What to do if you find someone else's bank card
- 9 problems with bank cards and their solution