Saved - means earned. How to use a debit card wisely?

1. Save up on the remainder

Some banks offer savings debit cards to customers. This means that a percentage is charged on the balance on the card. Savings cards can sometimes replace a bank deposit, for example, if you want to be more flexible in managing funds. They offer a monthly interest rate comparable to the deposit, while the owner can withdraw money and replenish the account without restrictions.

As a rule, banks set a lower limit on the card balance: for example, in order to accrue interest, it is necessary that 5 thousand rubles remain on the account. Otherwise, conditions in different banks may differ. There are three main options for calculating interest:

• For a minimum balance within a month. Suppose at the beginning of the month there were 10 thousand rubles on your card, then you transferred another 20 thousand, and at the end of the month - another 50 thousand. The bank will accrue interest only on the minimum balance on the account - 10 thousand. And if the balance on the account drops below the set limit for at least a day, you will not see any interest at all.
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• On the average monthly balance. It can be calculated by dividing the sum of all account balances at the beginning of each day by the number of days in a month. For example, on the 1st of the month you had 10 thousand rubles on your account, and on the 15th you put another 20 thousand. If there were 30 days in a month, then the average monthly balance will be more than 20 thousand rubles. This amount will be accrued interest.
• On the daily balance. Interest is calculated on the actual account balance at the beginning of each day, and is paid once at the end of the month.

If you actively use the card, the most profitable option would be to accrue interest on the daily balance: you can pay with the card or replenish it without losing your reward.

The bank determines the interest rate. Sometimes he can charge one percent on a part of the amount, and another on the rest.

2. Use a credit card

You will need a savings card and a credit card that provides for a grace period - a period during which interest is not accrued on the loan. Pay for everyday purchases with a credit card, and when the time comes for payment, transfer funds from a debit card to it. Due to the fact that you have not spent money on a savings card for a month, the bank will charge a higher percentage on the balance. It is advisable not to withdraw cash from the credit card and not to make transfers according to the details - the grace period may be interrupted.

For example, your salary is 100 thousand rubles. You put the entire amount on a savings card, which provides for the accrual of interest on the balance up to 6% per annum. You issue a credit card with a grace period of 30 days and pay it, and when the grace period comes to an end, transfer the amount spent to the credit card. In a month, 490 rubles will appear on the accumulative card due to the accrual of interest. It seems a little, but in a year it will turn out to be almost 6 thousand rubles.

A credit card scheme will work if you are willing to meet all deadlines. Otherwise, you will lose more than you earn. Of course, the credit card limit should not exceed your income.

3. Give me my money back

To increase customer loyalty and motivate them to pay by card more often, banks offer cashback - a refund of part of the money spent. When you use a card to settle in a store, the merchant pays the bank a commission for each transaction. Part of this amount remains with the merchant's bank, and part of the payment systems are transferred to the bank that issued your card. Cashback is returned from these funds.

When choosing a card, pay attention to the conditions for calculating cashback. Sometimes, in order to receive a refund of part of the money, you must spend a certain amount on the card. For example, with a premium card, the bank can charge cashback only to those who spend from 100 thousand rubles. If you make only 50 thousand, it will be difficult to do this.

In addition, it will be useful to take into account the service fee for the card - sometimes it is higher than the accrued cashback. Suppose card service costs 400 rubles. And the bank charges cashback within 2%. This means that in order to reach zero, you need to spend 20 thousand rubles a month.

Some banks charge a fixed cashback for all goods, others - depending on the category of purchase. You also need to take into account that cashback may not apply to some operations, for example, payment of utilities, purchase of securities, bets from bookmakers. Remember that banks do not charge cashback for money cashed at an ATM. Therefore, if you often use cash - for example, buy groceries on the market - a card with a cashback may be less profitable than if you only resorted to non-cash payments.

4. Join the loyalty program

Some banks reward loyal customers with points or discounts at partner stores. This is similar to cashback, the difference is that you are credited not with "real" money, but with points. Depending on the conditions of the loyalty program, they can be spent on purchases in specific stores, dinner at a restaurant or plane tickets.

When choosing, consider the specifics of your spending. For example, if you travel frequently, it may be beneficial for you to get a card with miles that can be exchanged for flights or hotel stays. Often, you can select the categories of purchases for which you want to earn increased points - for example, baby, grocery, or other goods.

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Servicing the "Profit" card (hereinafter referred to as the Card) - 0 rubles per month for purchases over 10 thousand rubles in month (some purchases are not taken into account, the list is on uralsib.ru), in other cases, the service is 99 rubles per month. Cashback condition: for Cardholders participating in URALSIB Bonus (hereinafter referred to as the Program) when using bonus rubles (hereinafter referred to as BR) for the Reverse cashback "- a payment to a DS Card in the amount of a purchase made in rubles using a Card with the Program in the amount from 1,500 to 50,000 rubles in the previous month, in exchange for BR. Accrual of BR: for purchases with the Card with the Program at the rate of 1 BR = 1 ruble in the amount of up to 3% of the amount of purchases made with the Card per month (some purchases are not taken into account, the list is at www.bonus.uralsib.ru). 1% - within the first month after registration in the Program, from the second - with the amount of spending on all Cards client with the Program from 10,000 rubles (some purchases are not taken into account, the list is www.bonus.uralsib.ru); 1% - if there is debt on a credit / debit card of the Bank with a line of credit (hereinafter collectively - Card debt) from 5 000 rubles inclusively for at least 1 day within a month or with the balance of the loan amount from 100 000 rubles inclusive at the beginning months; 1% - if there is a package of services "Priority", "Status", "Private", Premium Light, Premium, Premium Sport (respectively "Premium Light", "Premium", "Premium Sport") for 3 months or more, or if there is a Card Debt of 15,000 rubles inclusive, at least 1 day during months. The maximum volume of purchases per month for which BRs are charged is 400,000 rubles for clients with packages services "Priority", "Status", "Private", Premium Light, Premium, Premium Sport and 200,000 rubles for others clients. BRs are canceled: if within 6 consecutive months there are no transactions to enroll or use the BR; if there is an overdue debt of 30 days (inclusive) on any loan at the Bank. The term of the BR is 12 months. Every month, 8% per annum is charged on the daily actual balance of the DC on the Card in the amount of up to RUB 1 million inclusive. purchases with the Card over 10 thousand rubles (some operations are not taken into account, the list is on uralsib.ru), up to 10 thousand rubles (inclusive) - 0.1% annual; in case of excess of 1 million rubles on the Card, interest on the excess amount is not charged. The Card is valid for 4 years. Commissions: changing the PIN-code / unblocking the Card using ATMs (hereinafter - BT) of other banks - 50 rubles; request for the balance of the DS through the BT of other banks - 30 rubles. Information service - 59 rubles per month, the first 2 months are free of charge. Servicing an inactive card account from 365 to 730 days - 199 rubles, from 730 days (inclusive) - 250 rubles. Cash withdrawal (hereinafter referred to as VN) at points of VN (hereinafter referred to as PVN) - 0.7% of the transaction amount (hereinafter referred to as CO); VN in PVN and BT of other banks on the territory of the Russian Federation with CO up to 3 thousand rubles - 99 rubles; VN in PVN and BT of other banks outside the Russian Federation - 1% of CO, but not less than 110 rubles, a commission may be charged by other banks; VN without a Card in the PVN of the branch of the Bank, in which the account is opened, in the amount of up to 1 million rubles / equivalent in conventional units (inclusive) - 1% of CO, from 1 to 3 million rubles - 5%, from 3 million rubles - 10%. Crediting to the DS account through BT and the payment terminal (hereinafter referred to as BPT) of banks according to the list approved by the Bank on the Bank's website (hereinafter referred to as the List) - 0.5% of CO. Cashless transfer of DS (hereinafter - BPS) to BT and BPT Bank from Card to cards of other banks on the list - 1.5% of CO, but not less than 60 rubles; BPS in BT of banks according to the list from Card to cards of the Bank and banks according to the list - 1% of SB, but not less than 30 rubles; BPS in other organizations from Card to cards of other banks - 1% of CO, but not less than 60 rubles; BPS in the Bank's Internet channels from Card to cards of other banks - 1.5% of CO, but not less than 60 rubles. Use of DS, composition. technical debt (hereinafter referred to as TK), within the term of reimbursement of TK, in percent per annum - double key rate of the Central Bank of the Russian Federation.

The conditions are valid as of 08.11.2021.

For more information, call 8 800 250 57 57 and on the website www.uralsib.ru. Advertising. It is not a public offer. PJSC BANK URALSIB. General license of the Bank of Russia No. 30 dated 09/10/2015.