Finding the best profitable debit card is not an easy task. To choose the right offers, look at the cost of service, the amount of cashback and the amount of interest on the balance. In this article, we will look at banks and their rating of debit cards:

Tinkoff Bank

Alfa-Bank (Cash Back card)


Raiffeisenbank (Visa Classic)





Sberbank (Youth card)


Promsvyazbank ("Your cashback")


VTB24 (Multicard)


Rosbank (# Possible ALL +)

Tinkoff Bank

This is one of the most popular debit cashback cards in the Russian Federation and neighboring countries. Every month you can get up to 10% cashback on the balance up to 300,000 rubles. Most importantly, Tinkoff cashback is really a refund! Every month you receive money to your account, which you can use as you wish.

TinkoffBlack cashback percentages:

• Cashback from regular purchases - 1%
• Cashback from three categories chosen by you personally - 5%
• Cashback from bank partners - up to 30%.

Additional benefits of Tinkoff Black:

• One card - four currencies. Make a multicurrency card and instantly change the currency at your convenience;
• Profitable currency exchange. In Tinkoff Bank, the currency exchange rate is as close as possible to the exchange rate;
• Payment via phone. You can pay for all your purchases with Google Pay, Apple Pay, or Samsung Pay;
• Withdraw cash without a card at Tinkoff Bank ATMs for free. You only need a phone with NFC.

If you have a deposit or more than 30,000 rubles remain on the card. by the end of the billing period, then the service "plastic" is completely free. In all other cases, the cost of service is 99 rubles / month.

When you issue a Tinkoff Black Edition premium card, you get a concierge from Prime, an auto concierge from Alfred, travel insurance for 5 people with coverage up to $ 100,000, up to 10% cashback on booking accommodation through Booking.com, 5% cashback on flights and 10 % for car rental. You also have access to the Lounge Key airport business lounges.

Both cards are free to use within the limits set in the tariffs. Tinkoff Black Edition will be serviced free of charge if you spend at least RUB 200,000 on purchases from all accounts or if you keep at least RUB 3 million on Tinkoff card, savings, brokerage accounts and deposits. In other cases, Black Edition service will cost 1990 rubles / month.

Alfa-Bank (Cash Back card)

The annual interest on the balance on the debit card of Alfa-Bank is 6%.

Cashback conditions:

• 10% from the gas station;
• 5% from accounts in catering establishments;
• 1% of the rest of the purchases.

Refunds are made for the total amount of purchases made with the card from 10,000 rubles / month. Also installed maximum amounts return; so, when making purchases from 10,000 rubles. you can get no more than 15,000 rubles per month. cashback per month.

The service is free if you make purchases over RUB 10,000. per month or have an account balance of more than 30,000 rubles.

Raiffeisenbank (Visa Classic)

Visa Classic is Raiffeisen's most popular debit card. It can be either ruble or currency. You cannot change the currency, so make your choice as responsibly as possible. The monthly service fee is 59 rubles.

Remember that you cannot withdraw and transfer funds more than RUB 200,000 / day and RUB 1 million / month. If the top-up amount is less than RUB 10,000 or is carried out via the Internet Bank or in mobile application then it's completely free. If you replenish your account with more than 10,000 rubles, then the commission will be 100 rubles.

It is most profitable to withdraw funds through Raiffeisen ATMs or partner banks - then it will be free. For withdrawing funds at branches or ATMs of other banks, you will need to pay 150 rubles / or 5 $ / € commission + 1% of the amount. We do not recommend withdrawing foreign currency through the bank's cash desk. In this case, the commission is 0.7% (min. 300 rubles) in rubles or as much as $ 10 / € 10 if you have a foreign currency account.

RNCO "Payment Center" ("Kukuruza")

With this debit card, you get up to 6.5% per annum with monthly interest payments. When using the "Interest on the balance" service, the income from the balance increases to 7.5% per annum. In addition, you get up to 3% cashback in bonus rubles for all purchases and up to 30% for purchases from partners. If we talk about contactless payment, then Kukuruza supports PayPass and SamsungPay. If you have an Adndroid smartphone of another brand or an iPhone, then you will not be able to use payment by phone yet.

You can get a Kukuruza card in any Svyaznoy store. Any online store accepts it. Foreign purchases in dollars and euros are automatically converted at the exchange rate of the Central Bank of the Russian Federation.

Sberbank (Youth card)

The card is issued for clients between the ages of 14 and 25. Maintenance costs only 150 rubles per year. This is one of the lowest rates among our top.

The maximum you can top up your account is no more than 10 million rubles. No, we were not sealed. The bank actually offers such a large volume of debit cards for young clients. Daily withdrawal limit: 150,000 rubles, while more than 1.5 million rubles cannot be withdrawn per month. These amounts should be enough even for the most fastidious student.

For withdrawing funds from ATMs of other banks, you will need to pay 1% of the amount, but not less than 100 rubles. You will also receive free mobile banking for the first 2 months. Then it will cost 60 rubles. But you can save money by giving up SMS informing. Then mobile banking will continue to be completely free.

The "Youth Card" has a cashback "Thank you" in the amount of 0.5% of any purchases and up to 11% from partners. You can buy goods from the bank's partners for the bonus "Thank you". 1 bonus = 1 rub. discounts. Exchange bonuses for discounts up to 99% with the bank's partners. Contactless payments, connection to GooglePay and Apple Pay are also available here. In addition, with a youth card, you can buy goods with a 20% discount from the bank's partners. And the main feature of the "Youth Card" is that you choose your own design. That is, your card can contain both a family photo and a funny meme.

Promsvyazbank ("Your cashback")

You can apply for a card both online and at a bank branch. For each purchase, bonuses are awarded, which can be used at the rate of 1 bonus = 1 ruble.

Thanks to the "Your cashback" card from Promsvyazbank, you get up to 5% for three selected categories (for example, beauty, gas station and health) and 1% for all purchases. The service is free if you spent more than 20,000 rubles per month. or you have such an amount on your account, otherwise the fee will be 149 rubles. per month. SMS notification is paid: 39 rubles / month. Cash withdrawal fee is provided only when receiving money from ATMs of third-party banks.

Promsvyazbank cooperates with the Shopotam service. When you check out the ShoppingCard, you will receive a free shipping address and will be able to combine items in the package.

VTB24 (Multicard)

For purchases using a VTB multicard, you will receive bonuses up to 10%. You can then transfer bonuses to your account in money or exchange them for goods or services from a special catalog. To increase the turnover on the card, you can issue up to five additional cards for your loved ones free of charge.

Card service is free if you make purchases worth more than RUB 5,000. per month, otherwise the fee will be 249 rubles. per month

Rosbank (Supercard +)

With a card from Rosbank you will receive cashback:

• cashback up to 10% for selected categories and 1% for others;
• or travel bonuses for every 100 rubles. purchases.

Once a month, you are allowed to change the selected categories for which you want to receive an increased cashback. If you have chosen to receive travel bonuses, you can use them to pay for tickets and hotels on the Rosbank portal at the rate of 1 bonus = 1 ruble.

The service fee is 1999 rubles, the first year is free. However, the bank exempts you from service fees if you receive a salary of more than 50,000 rubles on your card. per month, to make purchases in the amount of more than 40,000 rubles. per month or have more than 500,000 rubles. on deposits and accounts.

Outcome

Each cashback card has its own characteristics. With some you can earn bonus miles, with others you can get discounts at gas stations, and still others make shopping easier. Choose the card that's right for you. Be sure to pay attention to:

• cashback;
• interest on the balance of funds;
• price for additional services.

This is the only way you can choose a decent and profitable debit card with cashback.

Updated: 2019-3-13

Oleg Lazhechnikov

You know that from time to time I am fond of bank cards, cashbacks and conversion rates. As a result of my research, I wrote a post in which I told which cards I myself have and which ones can be made. Of course, the list is incomplete, there are much more cards, but based on personal experience, besides, I am updating it, as I keep track of tariffs.

Recently, questions about Alfabank cards have become more frequent, and with them the matter is murky. Therefore, I asked Alfabank's technical support about fees, made myself Alfabank cards, and checked everything in practice. But in order not to write about only one Alfabank, I conducted an experiment with all my cards at once.

I recommend Tinkoff's AllAirlines card with 10% cashback for hotels, 3-5% for tickets and 2% for all purchases. Read my post. I have been using it myself for more than a year, it turns out very profitable.

The fact is that when shopping abroad with Alfabank cards, there is a 2.5% commission, which is advertised in few places, and it does not always arise. They wrote to me several times in the comments that, they say, there are no commissions. But in order to say this for sure, you need to know all the nuances. Before describing the results of my experiment, I offer you an answer from Alfabank's technical support, where it says in black and white about a 2.5% commission. I quote.

In accordance with the Bank's Tariffs, for cash withdrawal through third-party ATMs (except for partner banks) a commission of 1% of the amount is charged, including the commission of a third-party bank, but not less than 180 rubles. for the Package of services "Optimum". We recommend to clarify the availability and size of the commission of a third-party bank in its support service.

We would like to note that when performing a transaction in a currency other than the currency of the account to which the card was issued, using which the corresponding transaction was performed, the Bank converts it into the account currency in the manner and under the conditions stipulated in Appendix 4 - "General conditions for the issue, servicing and use of cards "of the Agreement.

Three currencies are always involved in the conversion process: transaction currency, billing currency and card account currency.

Transaction currency- the currency in which the operation is performed using a bank card (cash withdrawal, payment at a point of sale or transfer from card to card).

Billing currency- the currency in which the international payment system calculates the amount to be debited from the cardholder's account. The billing currency for VISA and MasterCard payment system cards for transactions in foreign currency abroad is US dollars.

Account currency- the currency in which the account is opened, to which the card is "linked", with which the operation is performed.

If the currency of the Client's account differs from the transaction currency and billing currency, then the conversion will be carried out according to the rules and rate of the payment system (MPS) from the transaction currency to the billing currency, and at the Bank's rate from the billing currency to the account currency. In accordance with the rules of the IPS, the Bank has the right to apply correction factors to the base rate of the IPS. For Alfa-Bank cards, the ratio is 2.5% (except for VISA Infinite and MasterCard World Signia / MasterCard World Elite cards, which are converted without applying a correction coefficient). This information fixed in the documents regulating the mutual settlements of the Ministry of Railways and the Bank, and can be changed. Thus, the conversion from the transaction currency to the billing currency occurs at the rate set in accordance with the rules of the IPS, which allow applying correction factors to the base rate. The course of the MPS can be found on the MPS website. This course is for informational purposes, since at the time of the operation there can be one course, and at the time of authorization of the operation - another. When converting from the billing currency to the account currency, the Alfa-Bank rate is applied, which the Bank has the right to set at its discretion.

In this case, the following rule applies at Alfa-Bank: if the transaction currency coincides with the currency of the Customer's account, then the amount debited from the Customer's account will be equal to the transaction amount.

Just in case, I will summarize the entire answer of technical support. If you withdraw dollars from a dollar card, or from a euro euro, then there will be no 2.5% commission. If you withdraw baht, shekels, zlotys and other tugriks from currency cards, or you withdraw something from ruble cards, there will be a 2.5% commission, except for holders of VISA Infinite or MasterCard World Signia / Elite cards.

Which of the 6 bank cards is more profitable

As I said above, I decided to conduct an experiment at once with all the cards that I have with me: Tinkoff ruble and dollar, Corn with an added interest on the balance, Sberbank Mastercard, Alpha ruble and dollar. Withdrew at the same ATM, the same amount 1000 shekels, at the same time 10 april 2017 with a difference of a few minutes.

Let me remind you that there were 2 conversions on ruble cards (ILS => USD => RUB): the first (ILS => USD) is carried out by the Mastercard or Visa payment system, the second (USD => RUB) is carried out by a Russian bank. For dollar cards, there was only 1 conversion (ILS => USD), which is carried out by the payment system, and the rate Russian bank in this case, he is not involved, but nevertheless he can throw his commission. For Thai baht, there would be exactly the same scheme.

You also need to understand that although the authorization of funds (withdrawal from an ATM) was at the same time, then their real write-off occurs after 2-5 days and at the rate on the day of withdrawal. Accordingly, the conversion rates and the final amounts (which we compare) are different, and because of this, too (the rates change at least once a day). I will separately say about dollar cards - it is important at what rate the dollars were bought, if we compare which is more profitable than the ruble or dollar cards (I’m talking about this somehow). For example, they can be bought in advance at one of the rate drops, in the Internet bank immediately before withdrawing from an ATM, or in an exchanger on any day.

conclusions

On the banking forum, they most often advise for rubles, and for currency, if we are talking about travel. And this basically coincides with my advice, as well as with the results of the experiment. Although I am more for a currency card (more profitable) and for 2-10% cashback (the link is free service).

First of all, this experiment can be useful for those for whom the phrase “on the card XXX as much as 4% of the commission” does not mean anything, and who does not want to understand all these courses. Agree, when you give specific amounts, especially in comparison, it is clearer than some kind of interest. Indeed, in fact, the difference between cards when withdrawing is only a few hundred rubles. Not everyone will want to bother and make special a little more profitable cards due to such a difference, especially if there are only one or two trips a year.

Another thing is those who like to count money, or who use cards abroad throughout the year. You see, it is much more pleasant not to give the bank a commission, but to receive cashbacks from it back. And, the more you spend per year, the greater the difference. For example, I save on annual maintenance, on conversion fees, at the expense of cashback, say, 15 thousand rubles per year. Is it a lot or a little? If you consider this as work, then it is not enough, if you consider money from nowhere that I get, poking around in the topic that I like, then a very pleasant bonus. It should be noted that I figured out the issue and made maps a couple of years ago, that is, I have not been sitting day and night reading forums for a long time, no. Also, if you take the amount of not 15 thousand rubles, but for example 150 thousand rubles, 200 rubles of the difference already turns into 2,000 rubles. Well, and so on, you can multiply it yourself (for 1.5 million rubles, there will be 20,000 rubles difference).

Therefore, I recommend everyone to approach the choice of bank cards with their heads. If you don't really need a bonus, then it's easier not to bother yourself and make almost any card. If you want to get everything from the bank, you will have to read the tariffs and choose something specifically for yourself.

P.S. Questions? :)

Life hack 1 - how to buy good insurance

It is unrealistically difficult to choose insurance now, so I am making a rating to help all travelers. To do this, I constantly monitor the forums, study insurance contracts and I use insurance myself.

Lifehack 2 - how to find a hotel 20% cheaper

Thanks for reading

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A plastic card is a tool for making payments. Today banks provide two options for cards: debit and credit. The debit account has a simple account on which no interest is charged on the loan, but where any operations can be carried out - receiving wages, payments and transfers, and so on. A credit card implies the accrual of interest on the loan, as well as the required repayment of the debt within a certain time. Next, let's consider which bank card is better to choose.

Debit plastic

Almost every resident of Russia has debit plastic in his arsenal. It allows you to make payments, purchases, and also has many other functions in its composition. Many banks work with debit plastic, but the most popular in this regard are Sberbank and VTB-24 cards.

You can choose a debit card according to the parameters, which we will consider below. For example, by plpayment system - Visa or MasterCard, Maestro, MIR and others. All four systems are used in Russia today.

1. If you plan to use plastic abroad, it is better to purchase Visa or MasterCard. If it is planned that plastic will be used only in Russia, and also have limited functionality, then you can purchase a Maestro card.
2. Maestro belongs to the MasterCard payment system, but works only in Russia. This plastic comes out instantly upon contacting the bank, which means that it is practically free (symbolic fee).
3. The MIR card belongs to a payment system that operates only on the territory of Russia. The system was created with the aim that the card will be used by social institutions, for example, to transfer a pension or scholarship. Therefore, the card is used only on the territory of Russia and has rather convenient service conditions.

Also, you can pick up plastic according to its level. Today there are 5 levels offered. These are social cards, classic, gold, platinum and Black Edition.

1. Social cards have a low level of service. They are cheap to maintain, but have limited functionality. The most commonly used cards are standard or classic level. It is on them that the enterprise most often transfers wages, but for the use it will be necessary to pay an annual service, which most often amounts to 750 rubles.
2. Gold or Platinum levels allow its owner to participate in private events, belong to a select circle of owners, but they usually have expensive rates.
3. The Business level Black Edition card is intended for businessmen, business owners and those with a high income. The cards have large withdrawal limits and transactions. These cards are served in priority.

Thus, the choice of a debit card must be made based on what it will be used for. If it is used to receive wages, social benefits, pensions, then you can purchase a simpler tariff, and if rather large receipts are planned, then the card must be gold and above the level.

It is also worth remembering that each plastic has its own percentage of service, which in fact can be very high, for example, in some banks the cost of an annual service for a platinum-level card is about 15,000 rubles.

Benefits of debit cards

To choose a debit card, you need to evaluate its benefits. The following factors should be considered:

1. Possibility of accumulation of funds accumulation through services. This is a big advantage for some banks. The service is called cashback, that is, any amount of purchases is refunded as a bonus. So, for example, Sberbank offers a bonus program "Thank you"... Bonus points can be used in full in partner stores of the organization. Today, among such partners are banks offering household appliances stores, cell phone stores, pharmacies, and so on. You can also make the card a means of deposit. In this case, an annual interest will be charged on the average monthly account balance. Most often, the interest ranges from 3 to 6% per annum and is charged to a separate account. This account is a deposit account, and from it at any time you can transfer money directly to the debit account itself.
2. Overdraft. This functionality is designed so that the plastic bill can go into negative territory. In this case, the card becomes a means of obtaining a loan. Most often, such a service is installed on salary cards, and when a client does not have enough money before salary, he can always turn to the overdraft limit.

The funds must be returned before the payday, otherwise they will be written off themselves, and the card balance will be negative. Interest is not charged for using the overdraft facility.

Credit cards

A credit card can be a regular payment card, or it can be provided as an instrument for obtaining a loan. Credit cards, like debit cards, have different levels, but getting money is possible only in the first case. To choose a credit plastic, it is necessary to provide for the following parameters:

1. The value of the interest rate. The cheapest banking products in Russia are issued at a rate of 19% per annum, the maximum percentage is 55%. Therefore, when drawing up an agreement, you must familiarize yourself with the terms of the future loan and choose the most inexpensive one;
2. Card maintenance cost which must be paid once a year, and the cost of SMS-informing;
3. Availability of a grace period. The standard grace period in Russia is 50 days. During this time, if the client takes a loan and returns it back, interest is not charged. This rule applies only to non-cash use of money. As soon as the client withdraws cash, the grace period expires, and cash withdrawals are subject to a 3% commission. Cash withdrawals are the same at all ATMs.
4. Withdrawal limits. In order to withdraw large amounts of money, you need to issue a high-level plastic. If the transactions will be carried out in conditions of small limits, then you can issue a classic tariff.

Thus, credit plastic does not differ in the breadth of the variation range. Therefore, the choice is simple - most often the bank offers 1-2 standard credit cards.

What to choose: Visa or MasterCard

Both payment systems are global, which means that it is necessary to rely on the currency with which it is planned to work: rubles, dollars or euros. Travelers often face the question of choosing a card. Today we can safely say that there are not so many differences in working with currency. The most inexpensive system is Master Card, and with a Visa payment problems may arise in Africa and Cuba.

MasterCard implies no commission for cross-border transactions, which is especially important when traveling abroad. Also, more often MasterCard is cheaper to maintain. If you plan to purchase a card from Alfa-Bank or VTB-24, then the differences are small, but if in Sberbank, then it is better to issue a MasterCard.

Which bank card is better to start

Banks provide a large number of cards of different types and levels. It is quite easy to get lost in such a variety. Therefore, before contacting the bank, you need to determine the main parameters:

• what type of card is needed - debit or credit;
• for what purposes the tool will be used;
• which payment system it should belong to;
• what level is required for operations - classic, gold or higher.

After answering the above questions, you can start choosing the card program itself.

Sberbank

The choice of plastic in Sberbank is the widest among all well-known banks. So, the organization provides at least 7 types of debit plastic, and at least 5 types of credit. The most popular is debit classic. It implies the following conditions:

• payment system and Visa, and MasterCard;
• three-currency account;
• the cost is 750 rubles. in year;
• bonus program - 0.5% "Thank you" from each purchase.



Additional plastic cards can be added to the payment instrument. The operation is possible from the age of 14. The advantage is the availability of contactless payment technology. Among debit cards you can find Maestro, MIR, Aeroflot Visa, etc. The entire range is given on the official website.

Many clients are interested in the features of classic cards. For classic products, the conditions are as follows:

• period without interest - 50 days;
• service per year - free;
• limit - up to 600 thousand rubles;
• rate - 27.9%.

As you can see, plastic is quite easy to maintain, and the interest for a loan is minimal. This attracts many clients.

VTB

The most attractive in service is the Privilege banking product. It allows the client to receive the following benefits:

• three-currency account;
• cashback - 1%, accrual of bonuses in the selected category - 5%;
• increased withdrawal limits and a large number of partner stores.
• the product is easy to use and personalized.



Among the credit plastic VTB-24, you can consider the VTB-24 Multicard. Program parameters:

• cashback - up to 10%;
• limit - up to 1 million rubles;
• availability of an interest-free period - 50 days.

Thus, the conditions of the plastic are standards. Any employed person from 22 years old can get it. VTB has quite strict requirements for borrowers, but card programs have attractive functionality.

Raiffeisen

The bank offers a new card in the debit line - ALL AT ALL. It belongs to the Visa payment system and has a gold level. The conditions for using plastic are as follows:

• annual service RUB 4500;
• all payments from the card are made without commission;
• the limit for all transactions in 1 day is up to 3 million rubles.



Thanks to the Gold level of the card, the terms of service are more than loyal. The card is credited with cashback in the amount of 1% of the purchase price. The money is accumulated in a separate account and can be withdrawn at any time.

A credit card ALL IN ONE is a product of instant issue and can be received on the day of application. The usage parameters are as follows:

• limit - up to 600 thousand rubles;
• 50 days - grace period;
• cashback - 1 point for 50 rubles. and 5% from certain product categories.

Thus, card programs of Raiffeisen Bank are beneficial and convenient. A card ALL IN ONE can be a debit or credit instrument.

Tinkoff Credit Systems

Perhaps the most common bank that works with different kind plastic. From debit cards you can choose Black Platinum. The parameters are as follows:

• payment system - MasterCard;
• level - premium;
• limit - up to 300 thousand rubles;
• cashback - up to 30%;
• interest on the account - up to 7% per annum on the average account balance.



Thus, a premium card provides maximum customer benefit. Unlike other banks, where business grade plastic is quite expensive to service (up to 12 thousand rubles per year), in Tinkoff the annual service is 3000 rubles.

Credit cards include Tinkoff Platinum. Conditions:

• limit - up to 300 thousand rubles;
• interest-free period - 55 days;
• debt repayment 5-8% monthly of the total amount;
• free replenishment.

A credit card from Tinkoff Bank is interesting in that it allows you to accumulate points at the most favorable rate: 1 ruble = 1 point.

Thus, the question of which card is better to issue is really very difficult. It is necessary to familiarize yourself with information about various types of plastic on the official websites of banks and choose the most suitable one. Banking plastic is a payment instrument that is used almost daily, which means that it must have high-quality service parameters.

Content

Non-cash payment methods have become an integral part of most Russians. A bank card is a type of payment system for paying for services and purchases, storing funds, making transfers and payments via the Internet or ATMs. However, there are people who have not yet decided to use the cards due to ignorance of the advantages and features of this banking product.

What is a bank card

A product such as payment cards appeared in the middle of the 20th century and has already become familiar to most Russians. Plastic can be used to store your savings, manage expenses, receive wages and social benefits, pay for services and purchases. Initially, the cards were cardboard rectangles with perforations in some places, which were owned only by the very wealthy. Today, plastic is used for their manufacture, and the range of products is designed for all categories of citizens, including children and pensioners.

What does a bank card look like?

All types of bank credit cards have an international format (according to the ISO 7810 ID-1 standard): 8.56 cm x 5.398 cm. The thickness of the plastic is 0.76 mm. It has front and back sides, each of which carries different information. The design and shade of plastic depend on the issuer and the characteristics of the payment system. The design of the front side is usually patterned and the back side is in one color. The background contributes to the issuer's brand awareness and the aesthetic perception of the card.

Front side

Each side is important and contains functional information. On the outer surface, the following is applied:

1. A four-digit number is an important element of data protection, must match the first block of the number.
2. Name, surname of the owner in Latin. The information is applied to the plastic of customers who have decided to personalize their card.
3. Validity period (month / year). After its expiration, the client can reissue the card for free, while all the funds in the account will be saved, and its details will not change.
4. Logo, hologram of the used payment system.
5. Number (15, 16 or 19 characters).
6. Authentication code (if the bank card belongs to the American Express system, in other cases it is applied on the back).
7. Built-in chip.
8. Issuing bank logo.
9. Contactless payment mechanism icon.

back side

Any bank card on the back has the following elements:

1. Bank's name.
2. Paper strip for a sample signature of the owner.
3. CVV2 / CVC2 code (needed to identify the card and the client for online purchases).
4. Magnetic stripe (information carrier).

Types of bank cards

What are bank cards? There are many differences by which all products are classified. First of all, the card can be issued instantly or produced within two weeks. It depends on whether it is named or not. By the type of funds that are on the account, there are credit and debit funds. In addition, banks issue gift options that can be presented to loved ones. Especially for online stores, virtual ones have been developed, which have all the data for identifying the holder, but do not have a physical medium.

Debit

This option differs in that it is used exclusively for storing the holder's own funds. You can pay for purchases or services with a card only if the required amount is available on the balance. However, the issuer can open an overdraft to the owner of the debit card (if the function is provided by the agreement), which is needed for payments in case of insufficient funds on the account. A salary card is issued as part of a salary project.



Credit

This type differs in that not only own funds are stored on the account of the holder, but also borrowed funds. The issuer sets a certain credit limit, in excess of which it is impossible to spend the bank's money from the account. You can withdraw cash, use it to pay for purchases and services. All credit cards differ in the method of calculating interest for the use of borrowed funds. Most cards have a grace period when money can be used for free. Others provide for the accrual of interest immediately after activation and the first payment transaction.

Virtual for online shopping

Before ordering products online, it is important to make sure that the online store is safe. If you use your credit card or debit card online, there is a risk of data leakage. This threatens to steal funds from the owner's account. Financial institutions took care of their customers and developed a product such as virtual. They do not have a physical medium and are used only for online transactions. After opening an account, the client receives all the details: number, validity period, CVC2 / CVV2 code.

Prepaid Gift

In order not to give money in envelopes to relatives or colleagues, banks have developed special prepaid ones. The product has limited functionality and expiration date. Plastic cannot be replenished or cash withdrawn from it. Electronic money can be used to pay for purchases or services, after which the credit card cannot be used. The credit card is unnamed, but it has all the details of a regular card and can be used all over the world.

Embossed Map

Plastic cards are issued with both flat and embossed surfaces. In the second case, embossing is used in the manufacture - the technology of extruding identification information on the surface of the card:

• room;
• validity period (month and year);
• holder data;
• employer's company name (for corporate and payroll clients).

Bank non-embossed credit cards have an absolutely flat surface. It is worth noting that the production of maps with relief is much more expensive for the bank, therefore, as a rule, premium class products (gold, platinum series) are embossed. The technology is used to simplify identification of the owner and plastic, as well as to increase the level of protection of customer data.



Bank card payment systems

Absolutely all card products are made on the basis of one of the payment systems. They all have their own distinctive features and a distinctive logo. On the territory of Russia, cards of the following payment systems are issued:

1. Visa is the most popular and is valid in Russia and abroad.
2. Maestro is a Russian payment system, cards based on which are valid only within the country.
3. Mastercard - a card based on this payment system is quite a bit inferior to the previous type and can be used on the territory of many countries.
4. American Express - based on this payment system, credit cards are rarely used by Russians. However, the advantage of this type is that American Express cards are accepted anywhere in the world.
5. appeared relatively recently. Cards based on it are issued by most Russian banks and are valid only within the Russian Federation.

How does a bank card work

This bank card is being improved every year. After receiving it at the bank, you need to activate the card, then insert the acquiring bank into the terminal. The device reads information from the card, after which the transaction is carried out. Modern credit cards can be equipped with a security system when paying for purchases on the Internet and a contactless payment function, when the operation does not require the introduction of a pin code. To make a payment for a purchase in an online store, the information and code cvc2 / cvv2 are used.

The payment procedure includes the following steps:

1. The acquiring bank processes the information.
2. A request is sent to the issuing bank to transfer the required amount from the card to the merchant's account.
3. If the holder has the required amount in the account, the issuer transfers the money to the seller.

Service

It is important to take into account that absolutely all financial institutions set their own tariffs for servicing the account. The cost depends on the category of banking products (Classic, Gold, Platinum). Free service is available to those customers who fulfill the relevant requirements of the issuer (provide the necessary movement of funds on the account or monthly balance). Within the framework of banking services, the client can receive information about the account around the clock, block the card, use Internet banking for free.


How to choose a bank card

Each bank offers Russians a whole line of cards. Banking products differ in payment systems, the presence of a chip or magnetic stripe, service tariffs, cashback, bonus programs. To make your choice, you should consider all the offers of different banks, pay attention to the issuer's rating, conditions (if a credit card is issued).

When choosing the right option, you should consider the following:

1. Bank credit cards can be classic or bonus. It is not difficult to choose which one suits a particular person, given his lifestyle, preferences.
2. Before signing a banking service agreement, you should carefully study all of its points.
3. An additional level of security - a chip, security technology for purchases on the Internet, and embedding ensure the safety of the client's savings.
4. Those who often use funds in several currencies should consider multicards, the current account of which is opened immediately in rubles, euros, dollars.
5. It is recommended to choose a banking product with Visa or Master Card payment systems in order to freely use it around the world.

Pros and cons

Among the advantages of plastic cards are convenience and safety. When traveling abroad, you do not need to convert funds into the currency of another country. In case of loss, you can quickly block the card, after which the bank will reissue the plastic, while the funds on the client's account will remain. The tool is universal, suitable for storing savings, receiving a salary, and withdrawing cash. It can be used to pay for services and purchases in any region of Russia and abroad. Bonus programs and cashback allow you to return part of the money spent back to your account.