12 best debit cards with interest on balance
Debit cards for many have become a convenient alternative to paper money. They no longer need to withdraw cash from the account, carry large amounts with them and run the risk of losing banknotes or being robbed. Even in case of loss of a card, you can block it by calling the bank where it was opened, thereby saving your savings. In addition, it is much more convenient for her to pay for goods or services in regular stores or online services.
Many banks provide an opportunity not only to keep money in the account and use it with a payment card, but also develop special bonus programs that are economically beneficial. The accrual of interest on the cash balance is a financial transaction that increases the interest of customers to a particular institution. When choosing a card with such an option, no additional contracts are concluded. Accrual is made automatically, based on the established rate.
The experts of our magazine selected 12 debit cards with a percentage of the balance that best meet the needs of customers. The rating was based on statistical data. with the assistance of financial analysts, while reviews of ordinary users were taken into account.
Top debit card rating with interest on balance
| Nomination | a place | Debit card | Rating |
| Top debit card rating with interest on balance | 1 | Benefit Home Credit Bank | 4.9 |
| 2 | Tinkoff Black Platinum Tinkoff Bank | 4.8 | |
| 3 | Cash Back Alfa-Bank | 4.8 | |
| 4 | Multicard Premium VTB | 4.8 | |
| 5 | Generation Ak Bars | 4.7 | |
| 6 | Ural Bank of Reconstruction and Development | 4.7 | |
| 7 | Debit Renaissance Credit | 4.6 | |
| 8 | Savings Account Mail Bank | 4.5 | |
| 9 | Smart card Bank Opening | 4.5 | |
| 10 | Uralsib Money Box | 4.4 | |
| 11 | Can all OTP Bank | 4.3 | |
| 12 | Profitable Rosgosstrakh Bank | 4.2 |
Benefit Home Credit Bank
Rating: 4.9
The first place is occupied by the Home Credit Bank payment card, which combines the best conditions for the client. It offers high interest on the cash balance, the maximum possible - 7.5%. This tariff is set subject to purchases of 5000 rubles. and a residue of less than 300,000 p. The term of registration is from 5 to 7 days. The application can be sent online; no fee is charged for issuing a card. Requirements for the citizen are standard: at least 18 years old. Registration in the region of presence of the bank is not required.
The card can be used as a salary. The cost of service depends on the operations carried out by the client. The minimum amount is 99 rubles. Cash is withdrawn free of charge at the bank’s own terminals and up to 5 times a month with the same condition at ATMs of other financial organizations. In other cases, the fee is 100 rubles. The debit card supports the contactless payment option.
The advantage is a variety of bonuses for purchases at the choice of the client, and they can be changed every month on your own. Many users have identified in addition to the simple conditions of free service, as well as the fact that the points credited can be exchanged for rubles and returned to the account. For more information, you can contact the managers by calling from a mobile phone at: 8800.
Tinkoff Black Platinum Tinkoff Bank
Rating: 4.8
On the second line of the rating is a Visa Platinum payment card. 6% is charged when the amount of up to 300,000 rubles. and the obligatory limit of purchases in the accounting month from 3,000 rubles. Making a card does not take much time and does not provide for payment. It happens online. After production (1-2 days), it is delivered by courier to the client's address. The service will be free with an account balance of 30000 r. With a smaller amount - 99 p. per month.
Cash can be withdrawn at any ATM for free from 3,000 rubles. To this amount, the commission will be 90 p. The debit card supports contactless payments. Cash back returns range from 1 to 5%. The client chooses a category. SMS informing is paid and amounts to 59 rubles. per month. Registration in the region receiving the card is not required. The minimum age of the client - from 14 years.
The undoubted advantage is that the card is multicurrency. This means that at any time you can change the account in your account, mobile application or through a bank operator. Clients emphasized that they do not need to visit the office of a financial institution, and the card is handed over personally to the user. The telephone number for the debit card hotline is 8800555 77 78.
Cash Back Alfa-Bank
Rating: 4.8
The bronze of the rating goes to the multi-currency card, which can also be used abroad. The percentage is calculated based on the conditions of the bank: for purchases from 70,000 rubles. per month it will be 6%. Lower consumption will reduce customer benefits to 1%. At registration, registration in the card issuing region is not required, but the client must be 18 years old. It can be obtained both at the office of a financial institution and through courier.
Service in the first two months is free. Further, this condition will remain at expenditures from 10000 r. and the remainder of 30 000 rubles. At their non-observance the commission fee will make 100 rubles. Cash withdrawal is free. With the conversion service is paid 5% of the amount. You can use not only Alfa-Bank ATMs, but also other terminals under the same conditions.
Many users liked the instant issue of a card, large returns for purchases, the possibility of contactless payment, as well as additional options abroad: reissuing a card and issuing cash without a fee. Customers identified that, if desired, you can change the bank account tied to the card through special applications of the bank. If you still have questions about the design and terms of use, you can contact the operators by phone: 8800100 77 33.
Multicard Premium VTB
Rating: 4.8
The fourth place in the rating is given to a payment card issued by one of the most stable and reliable banks in the country. The application can be submitted online through the site. Registration is from 3 to 5 days. The production is free, the receipt is carried out in the offices of VTB. Cash withdrawals at our own terminals - free of charge, at the box office - subject to receiving more than 100,000 rubles. In other ATM service fee.
Holder's age: not less than 18 and not more than 65 years. The debit card service is free with all the necessary requirements of the bank, the maximum rate per month is 249 rubles. The bonus program is extensive. The client chooses the type of reward himself and can change it monthly. The disadvantage is that you can select only one option per month. SMS alert is free for the entire duration of the contract. The possibility of contactless purchases is provided.
The customers were satisfied with the bank’s proposal for charges, the prompt processing of the application and the production of the card. Many advise it not for the accumulation of money, but for profit in the form of interest on the balance. For a single phone number valid throughout the country, you can find out more information: 8800100 24 24.
Generation Ak Bars
Rating: 4.7
Generation - on the fifth line of the rating.It is available to all citizens of 18 years old without obligatory registration in the region of receiving and finding a bank. If desired, the payment card can be issued instantly. With a personalized production, you will have to wait from 2 to 5 days. The application is sent online through the site. When the amount of purchases of 15,000 per month, interest is calculated on the balance of the current account at the end of each period. Debit card service is free with the same condition.
In other cases, the commission will be 149 rubles. Cash is withdrawn for free at any ATM. If the daily limit in third-party terminals is exceeded, 1 to 10% will be charged, depending on the amount of issue. The program of bonuses and the return of interest for the purchase of various and allow the customer to choose the most profitable for him. Accumulated points can be used based on the rules of a particular option. SMS informing paid.
Many clients were satisfied with the terms of the payment card. The advantage was the presence of a special application that allows you to contact travel in public transport in a number of cities (Kazan, Almetyevsk, Nizhnekamsk, Naberezhnye Chelny and others) without contact. A single reference telephone number: 8800200 53 03.
Ural Bank of Reconstruction and Development
Rating: 4.7
The sixth place in the rating is given to a debit card, which helps a client make a profit on the condition of active purchases during the billing month. The maximum interest rate is 6.75. The debit card supports the contactless payment option. Its production is free. Service without commissions is provided when the conditions of the bank are met, namely, expenses from 12,000 p. per month. With less spending rate will be 120 rubles.
The application for issue is sent through the site, you can get a card in 3-5 days at the bank office upon presentation of a passport. Cash withdrawn without commission in the terminals of the bank and third-party partner organizations. Cashback is high and can be up to 10% of the purchase. There is an option to set a limit on cash withdrawals, shopping in stores or on Internet sites. It can be changed an unlimited number of times.
Users liked the simple conditions for receiving free annual service, a high percentage of remuneration, non-commissioned cash, as well as the opportunity to choose the classic or gold version of the card. Customer service is available around the clock. Operators will answer any questions of interest by the number: 8800100 02 00.
Debit Renaissance Credit
Rating: 4.6
The seventh line of the rating is deservedly occupied by the map, which was chosen by many users for favorable conditions, fast and simple design. With large balances and monthly purchases, no commission is charged. The release request is sent online. Making a card costs 99 rubles. The client does not have to wait, he gets it on the day of application.
The rate for the balance up to 500 thousand rubles. - 7.25%, over this amount - 6%. Cash can be removed for free at any ATM of the city. There is a limit on the limit. When exceeding 25,000 rubles. per day will be charged a fee. SMS messages are paid according to the tariff: 50 rubles per month. Contactless payment supported. Cash back is set at 1%.
The debit card is available to citizens of 18 years with a Russian passport, registration in the region at the location of the bank branch. Proof of health is not required. Clients identified plus instant card issuance and the same quick replacement in case of damage or loss. Many were satisfied with the proposed conditions. For more detailed information, call the toll-free number: 8800 20 09 81.
Savings Account Mail Bank
Rating: 4.5
Debit Card Mail Bank - in eighth place ranking. It is most beneficial for clients with a pension or payroll account in this financial institution. The interest rate on the balance will then be 6% per annum.For other categories of citizens the rate is 5%. You can make a card online, get it in any branch of the bank or in the Russian Post. Production time: 2-3 days. Card issue is free.
For a name card, the client will pay 700 rubles. The cost of service does not depend on the fulfillment of certain conditions, this option is always free. The undoubted advantage of the card is the possibility of its receipt for persons from 14 years. When you connect an additional option, you can make purchases in online stores. Cashback is available only to salary customers and pensioners. SMS informing costs 49 rubles. per month.
Cash can be withdrawn at ATMs of the VTB Group or obtained free of charge at any post office. Customers spoke positively about this card, highlighting the absolutely simple conditions of receipt. Many pointed out the absence of a fee for using the mobile application and the Internet bank. Free call to customers for debit card issue: 8800550 07 70.
Smart card Bank Opening
Rating: 4.5
Bank Opening issued a payment card with favorable conditions for customers. It occupies the ninth line of our rating. Interest is accrued on the cash balance according to the established tariffs. The maximum rate is 7.5%. Registration and maintenance without fees. Application for receipt can be sent through the site. Delivery is free in 28 Russian regions.
Cash can be withdrawn without commission at any ATM, including third-party financial organizations. Maximum cashback - 3%. This indicator is available subject to the conditions of charges established by the bank. A debit card has the option of contactless payment for goods. There is no commission for using the mobile application and the Internet bank.
If necessary, you can transfer to the current account wages. High interest rates and bonus rewards attracted the attention of many customers. Quick receipt of the card and quite feasible conditions made its use profitable and convenient. When connecting additional options, you can pay for utility services without commissions, as well as have access to airport VIP-halls and insure health and life when traveling abroad. Contact number of bank operators: 8800700 78 77.
Uralsib Money Box
Rating: 4.4
The tenth place in the ranking is taken by the card, which is convenient for those customers who expect to store large amounts in the current account. With the balance at the end of the month from 1000000 rubles. 6% is charged, with a smaller amount - 3-5%. You can order a debit card online. The service is free. After 2-3 days, a ready-made payment card can be obtained at the nearest branch of the bank upon presentation of a RF passport.
Bonuses are accrued by special programs. Points can be exchanged for certificates of partner companies. Cash withdrawals are available at any ATM, regardless of affiliation with a particular financial institution. There is a contactless payment function. Service without commission occurs under the following conditions: with a balance of at least 30,000 rubles. or shopping from 10,000 p. In other cases, the fare is 99 rubles.
SMS notifications paid: 59 rubles per month. Users have identified that, if desired, you can order both an instant card and a name card. It was also noted that it is multicurrency and, if necessary, in your personal account, you can transfer the account into rubles or dollars. Information about the release of the card is available on the website. If you have questions, you can ask them by number: 8800250 57 57.
Can all OTP Bank
Rating: 4.3
The premium payment card “All is possible” is on the eleventh line of the rating. High interest rates have attracted users to this financial product of the bank. The balance on the balance is up to 7%, cashback - up to 10%. After submitting the application online, the client receives the finished card at any office with the most convenient location. This will require only a passport of the Russian Federation.
For registration will have to pay a one-time commission of $ 199 rubles. If you lose your card and release a new one, the same amount will be charged.The service is free under the terms of the financial company. Using the mobile application and online banking is carried out without fees. When you connect the option you can pay for purchases without contact. SMS messages are free.
According to reviews, the card includes the possibility and accumulation of own funds, and making a profit when shopping in stores and on Internet sites. Many were satisfied with the package of services provided, large rewards and accruals for the balance. Purchase bonuses can be returned to the account or used for subsequent purchases. You can ask a question on the bank's website or by phone number, toll-free for all regions of the Russian Federation: 8800100 55 55.
Profitable Rosgosstrakh Bank
Rating: 4.2
The card is completed with a high interest on the cash balance. The rate depends on the amount. The maximum percentage is 7.25 (from 750,000 rubles), the minimum is charged from 3,000 p. An application can be submitted by any citizen of the Russian Federation who has reached the age of 18. Upon receipt, you need only a passport without additional documents. A non-debit card will be in your hands within five minutes after visiting a financial company office. It is available for free.
In case of loss, the commission will be 300 rubles. SMS informing paid: 50 rubles per month. Contactless payment option provided. Cash withdrawals are possible at more than 70,000 ATMs across the country. The service is free regardless of the amount of the transaction. Daily limit - 350000 rubles., Monthly - 1 million p. The commission for using the Internet Bank and the mobile application is not taken.
Cashback service is not provided in the "Profitable" card. You can pay for it both in regular stores and when shopping online not only in Russia, but also abroad. Many users have responded positively about the service of the bank and about the lucrative offers specifically on this card. All questions about its release can be asked by calling the hotline: 8800700 40 40.
Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.
