To find the best debit card with interest on your balance, you need to carefully study the offers of different banks. Only after carefully reading all the terms of service can you find the most profitable options.
- Payment system type. The largest payment systems on the planet are Visa and MasterCard. These cards are accepted at retail outlets in more than 200 countries;
- Accrual of interest on account balance. In different banks, the terms of accrual may differ significantly, and this concerns not only the size of the interest rate, but also the procedure for accrual. For example, in one of the most popular banks, 12% per annum is charged monthly for a balance of up to 500 thousand rubles, and only 4% per annum for everything that exceeds this amount;
- Cost of card issue and maintenance;
- Availability of cashback function and other bonuses and privileges. Thus, when paying for purchases and services with a card with a cashback function, a certain percentage of the amount of the purchase he made is returned to the client’s account;
- Fee for cash withdrawals from ATMs. If one bank does not charge a commission for cashing out funds, then another will have to pay for each transaction;
- Transaction limits. Almost all banks set limits on cash withdrawals per month. As a rule, this is 500-750 thousand rubles.
- Availability of a mobile application.
Rating of profitable debit cards with interest accrual 2017
| Debit card name | Interest on account balance | Cashback for purchases |
| "Alfa Bank" | 8% | 10% on purchases at gas stations and 5% in restaurants and cafes |
| -"PromSvyazBank" | 5% | from 10 to 40% |
| - "Orient Express Bank" | from 2 to 7.5% | from 1.5% |
| -"Binbank" | from 2 to 7% | from 1 to 5% |
| - "VTB 24" | 6,5% | 1% |
How is interest calculated on the card balance? How to get a bank card with interest accrual? Who offers the best debit cards?
Many Russians have debit cards. More often - salary payments, less often just settlement ones. When designing such plastic, few people think about the benefits it can bring to its holder. The applicant is primarily interested in ease of use and the ability to carry out a particular operation using the card.
When communicating on duty with clients of our Bank, I always wonder why they don’t ask for a income-generating debit cards?
I usually get 2 answers:
- we do not know about such species;
- the income that can be earned is small.
In my article today, I, Alla Prosyukova, a practicing banking specialist, will talk about debit cards with interest accrued on the balance and I will show that the income can be decent, it all depends only on the capabilities of the holder.
Read, apply the acquired knowledge in practice, become richer!
1. Cards with interest on the balance - spend your money sparingly
There is never too much money, which means we are always looking for ways to earn extra money. Yes, it’s not easy additional income, but passive.
Passive income- income that does not require personal participation from its recipient in its receipt.
Debit cards with interest accrual on the balance can be classified as this type of income. The card earns its holder money from the accrued interest.
The terms and conditions of different banks provide for different interest rates. For example, at Tinkoff Bank it averages 7% per annum. Many credit organizations use a differentiated approach when calculating interest.
For example, the holder has a balance 30 thousand rubles According to the conditions, up to this amount the bank charges 1%. Another client has a balance of 1 00 thousand rub., and this is already 5%. With a balance of 1 million rub. the percentage will be 7%. That is, the larger the balance, the more income you receive.
For some banks, the percentage depends on the amount of monthly purchases. The more you buy, the more you earn.
2. 5 main features of a debit card
If you are a debit card holder, you probably know about some of its capabilities. For example, about paying for goods in retail chains and online stores using it, and withdrawing cash from ATMs.
But the map is different! If you have a debit card that accrues interest on the balance, then this is very profitable.
In the case where the plastic also has a bonus program, the possibilities for the holder expand significantly. I propose to take a closer look at the five most important ones.
Opportunity 1. Additional income
Obtaining additional income, and especially passive income, is interesting to everyone!
In the modern banking market of the Russian Federation, there are types of bank cards that allow you to receive interest on the balance of funds on debit plastic and return part of the money spent on purchases back to the card.
Option 2. Access to Internet banking
The rhythm of modern life forces us to save our time. Therefore, various innovative technologies have become especially popular, allowing, in particular, to carry out banking transactions at a convenient time, in any place. This is done using .
Internet banking is a remote banking system that provides its users with the opportunity to make money transfers and payments without visiting a bank office.
To use the system, you must have a card product of the selected bank and go through a simple registration on its website. After this, you will no longer have to waste time visiting a financial institution and standing in queues. Topping up your phone, paying utility bills, transfers to other cards, tax payments are no longer a problem for you!
Using Internet banking, the client will be able to submit applications for loans, bank cards and opening deposits.
Possibility 3. Using bonuses
Some types of debit plastic have bonus programs. The most popular bonuses for bank cards: miles and points. They are awarded by a credit institution for purchases paid with a card.
Spend the accumulated bonuses at your discretion: exchange them for air or train tickets (miles), pay for purchases (points).
Possibility 4. Transactions with funds
Having a debit card, it’s easy and simple to make any non-cash payment. Of course, if there is enough money on the card.
Need cash late at night? No problem! Go to the nearest ATM and the problem is solved.
Do you love online shopping? Great, pay for your purchases right from home!
Opportunity 5. Receiving cashback
According to bank statistics, cashback cards are in greatest demand among Russians.
Cashback- refund of part of the cost of goods purchased using the card.
It is paid by adding funds to the card balance in the amounts stipulated by the card conditions. This is usually done in 2 ways: immediately or once a month. The second method is more common. The use of the received cashback is not limited in any way by the bank.
3. How to get a card with interest accrued on the balance - step-by-step instructions
For anyone who has at least once applied for any bank card, getting a debit card with interest accrued on the balance will not be difficult.
Step 1. Decide on a bank
The first thing to do is to choose a bank from which we will then order a card. There are plenty of banking institutions offering profitable debit cards in the Russian Federation.
Choose well-known banks and compare their offers
Study reviews from experienced clients who have experience working with the candidate bank. You can learn a lot of useful things from them.
Step 2. Select a card
It would seem, what is there to choose? Debit cards with interest on the balance. Everything is as usual.
But no! Each bank offering such plastic usually has several options. In addition to interest accrued on the balance, such profitable the card may be attached to some bonus program, and this is an additional advantage.
Please read the terms and conditions carefully before submitting your application. Pay attention to interest calculation schemes.
They can be:
- With monthly accrual and accrual on the last day of each month;
- With daily accrued and credited at the end of the month.
The interest rate and calculation procedure sometimes depend on additional conditions. For example, some banks have a specified minimum balance. If this condition is not met by the holder, then interest is not accrued.
Example
Elena issued a debit card in one of the banks in Kazan with interest accruing on the balance. When checking out, the girl carefully studied the % of the rate. They differentiated depending on the remainder on the map.
The girl used plastic to the fullest for the whole month. Everything was convenient, we were pleased with various additional bonuses - for example, discounts in the bank’s partner stores.
In anticipation, Elena waited until the last day of the month to find out the amount of interest income that her debit card brought her. However, the month ended, and the long-awaited amount still did not arrive.
The girl addressed the question to the Bank. It turned out that the conditions stipulate a mandatory minimum balance on the card - 30 thousand rubles Elena’s balance at the end of the billing period was only 18 thousand rubles.
Elena inattentively read this clause in the conditions when registering a card product, for which she paid.
Read all points carefully. This is the only way you can get the maximum benefit.
Step 3. Fill out the form
Having understood the conditions and chosen the most suitable card product option for you, proceed to filling out and submitting the application.
You can do this in 2 ways:
- by visiting a bank office in person;
- on the financial institution’s website through an online application.
You can apply directly from home, online
Filling out the form will take 5-15 minutes. Only the applicant's passport is required.
Step 4. Take the card
After a few days (usually 5-7) the plastic will be released. This is the standard period. If your bank has its own processing center, then production of plastic cards will happen faster.
The credit institution will send an SMS to the mobile phone number specified in the application about the receipt of the card at the branch. All that remains is to visit the bank office and receive it.
Don't forget to take your passport with you.
Step 5. Conduct card transactions and receive income
Once you receive your debit card, activate it.
This can be done in several ways:
- in the office,
- through an ATM,
- on the website via online banking.
After all the necessary manipulations, proceed to the full use of the card product. If you comply with the terms and conditions of the card, you are guaranteed to receive interest income.
Don't forget to sign your autograph on the back of your plastic. Without it, you risk getting rejected for offline trading transactions.
4. Who offers profitable cards - review of the TOP 3 banks
There are many banks that offer debit cards with interest on the balance. But, you and I need the best!
Get acquainted with my selection, choose the most favorable conditions.
Cashback, interest on the card balance, low interest rate, considerable credit limit, free plastic processing, commission-free cash withdrawal - these are the main advantages of this credit card.
They are not inferior in popularity to credit cards.
Free registration, low cost of service, cashback, % on the balance - these are just some of their advantages. More detailed conditions can be found on the corporate Internet portal of the financial institution.
To make it easier to analyze bank cards, use the tables.
Main characteristics of debit cards:
Comparison of credit card products:
№ Bank Bid % Grace period days Commission for cash withdrawal, % Maintenance per year rub. 1 12,9-49,9 55 2.9+290 rub. 590 2 0-10 365 No withdrawal allowed 0 3 from 23.99 100 Up to 50 thousand monthly without commission, from amounts above this limit - 3.9 1190 5. How to choose the most profitable debit card with interest accrual - 3 useful tips
There is no card that is beneficial for everyone in nature.
For some, a debit card with miles bonuses is more suitable. Others are more profitable with “real” money. To each his own!
But regardless of personal preferences, there are universal tips for choosing plastic.
Tip 1. Study the offers of all banks
When choosing a card product, take your time! Visit the websites of the banking institutions you like most. Carefully analyze the proposed types of bank cards. Study all the conditions for them in detail.
If you are interested, for example, then pay special attention to the free period (only the first year or the entire period of the card’s validity), the presence/absence of limiting conditions.
Do you often travel abroad? Take a closer look at the multi-currency card: account management via online banking, convenient conversion, hassle-free use of plastic around the world.
Tip 2. Choose a card from the bank through which you receive your salary
It’s quicker and easier to select and apply for any banking product at the bank where you receive your salary. , debit or credit, is no exception.
A debit plastic card is a bank card designed for making payments both in regular and online stores, instantly receiving cash from ATMs, as well as making various money transfers, including paying utility bills.
When choosing such a card, you need to study all the terms of its service and check whether there is the possibility of accruing interest on the balance, which will allow you to receive a small income from storing funds in the account linked to the card. To choose a card with the most favorable interest accrual conditions, you need to thoroughly study the banking offers on the market.
TOP 10 debit bank cards with the maximum interest accrued on the balance
When choosing a card that accrues interest on your cash balance, you should pay attention to the following offers from the largest Russian banks:
“Gold” and “Platinum” cards of LocoBank
According to the Banki.ru portal, at the end of 2015, cards issued by LocoBank were recognized as the cards with the highest yield. The monthly income on the Platinum card with the “Maximum Income” package is 11.5% per annum, and the prerequisite for its accrual is maintaining the minimum balance at the level of 40,000 rubles or purchasing goods for the same amount during the month.
The monthly income on the Gold card with the “Simple Income” package is 9.5% per annum, while the established minimum balance/cost amount for the month is 20,000 rubles.
There is no service fee provided that the cardholder meets the requirements for the minimum balance or the amount of expenses incurred for the month. Otherwise, the cost of annual maintenance will be 350 rubles.
"Accumulative" of the Russian Mortgage Bank
The issuance and maintenance of the card is absolutely free, calculation and payment of interest on the balance of funds in the account is carried out monthly. The interest rate depends on the amount of the daily minimum balance on the card during the billing period. If the amount of funds does not exceed 700,000 rubles, 9.5% per annum is charged on the balance up to 30,000.1 rubles, and 5% per annum on the remaining funds.
If more than 700,000.1 rubles are stored on the account, funds are charged on the balance up to 700,000 rubles in the amount of 9.5% if transactions for payment for goods or services were carried out during the billing period or in the amount of 5% if such transactions were not implemented. For amounts exceeding 700,000 rubles, 5% per annum is charged.
"Tinkoff Black"
Every month the bank credits funds to the card in the amount of 8% per annum of the account balance, provided that its size does not exceed 300,000 rubles; For funds exceeding the specified amount, 4% is charged. In the event that dollars or euros are kept on the account in an amount not exceeding 10,000, 0.5% per annum is charged on the balance; no interest is charged on an amount exceeding the specified value.
A prerequisite for interest accrual is making purchases using a Tinkoff Black card during the reporting period.
Card servicing is free provided that the account balance exceeds 30,000 rubles, or 1,000 dollars, or 1,000 euros. Otherwise, the cost of service will be 99 rubles, or 1 dollar, or 1 euro per month.
"Cozy space Otkritie-Rocket" Rocketbank
Account maintenance and card opening are absolutely free. Additional income in the amount of 8% per annum is accrued on the balance of funds in the account at the end of the billing period. Interest is paid on the first day of the month following the settlement month. The bank does not impose any requirements for the minimum minimum balance.
"MTS Money"
One of the largest mobile operators in the country provides its customers with the opportunity to issue a debit card with the option of accruing interest on the account balance. The cost of annual servicing of such a card is 590 rubles; it can be issued at any MTS operator store. When connecting the “Accumulative” option, the user can increase his savings by 7.5% per annum, provided he maintains a balance of 300,000 rubles on the card.
A prerequisite for crediting funds is to have a daily minimum balance of 1,000 rubles on the card. For amounts exceeding 300,000 rubles, an interest rate of 6% per annum is charged.
“Good news” from Home Credit Bank
Anyone can become a card holder, and it’s completely free. If the daily account balance is 10,000 rubles or more, you will also not have to pay for monthly maintenance. If the daily balance drops to a smaller amount, the cost of service is 59 rubles per month.
The interest rate on the account balance is 7.5% per annum, provided that the amount of this balance does not exceed 500,000 rubles; 3% per annum is charged on other funds.
To apply for a card, you must personally contact the territorial bank branch and present your passport to the specialist on duty.
"Card number one" of Eastern Express Bank
The cost of issuing it is 150 rubles, the cost of servicing varies depending on the size of the account balance at the end of the month: if less than 30,000 rubles are stored on the card, the cardholder is charged 99 rubles, but if the balance exceeds the specified amount, a fee for There is no service charge. The rate charged on the balance is 7.5% per annum if at the end of the month there is an amount remaining in the account ranging from 10,000 to 500,000 rubles; on funds the amount of which exceeds 500,000 rubles, an income of 2% per annum is accrued.
“Bank in your pocket Standard” by Russian Standard Bank
When registering a card, the bank client has the opportunity to create two accounts at once - “Current” and “Cumulative”. The “current” account is intended to pay for any purchases and receive income in the amount of 7% per annum from the amount of the account balance, varying from 30,000 to 500,000 rubles, provided that during the billing period the card owner paid using it although just one purchase.
Interest is accrued on funds stored in the “Savings” account, regardless of whether expenditure transactions were carried out on it or not. Dividing funds into two accounts allows you to minimize the risk of fraudsters gaining access to large sums of money stored on the card. The cost of annual card maintenance is 900 rubles.
"Corn"
You can apply for a “Kukuruza” card at any branch of Euroset (), its service is absolutely free. Cardholders can use the “Interest on Balance” service. Interest is paid every month on the date the service is connected to the card. In the event that the account balance decreases to 30,000 rubles or less, the amount of charges will be 4% per annum; if the minimum balance during the month was 30,000 rubles or more, it is charged at the rate of 5% per annum.
To connect the service to the card, you must deposit 259 rubles into the account to which it is linked.
"Piggy Bank" of Uralsib Bank
The card is issued absolutely free, the cost of annual service is 299 rubles. Interest on the balance is accrued under the following conditions: if you maintain a minimum balance throughout the billing month in the amount of 15,000 to 50,000 rubles - 4% per annum; for the balance from 50,000 to 100,000 rubles - 5% per annum; for the balance from 100,000 to 300,000 rubles - 6% per annum; for balances over 300,000 rubles – 7% per annum. The card can be obtained at any bank branch at the time of application.
When choosing a debit card that allows you to earn income in the form of interest on a certain minimum balance, it is worth comparing the size of the potential profit with the cost of the costs incurred to maintain the card. Many banks annually charge a significant amount of money from the client for this service, therefore, when sorting offers by level of profitability, you need to take into account all the conditions of the proposed tariff plan.
In most cases, the amount of income depends on the amount of the minimum balance established by the bank: according to the terms of service of some cards, the interest rate increases as the balance increases, and for some, on the contrary, it decreases after the amount reaches a certain established limit.
Good afternoon friends! Every person wants to get the maximum benefit and benefit from the purchased product or service provided to him. This also applies to a wide range of banking services. One of the most profitable options for carrying out banking operations today is working with cumulative cards. Debit cards with interest accrual on the balance are rightfully considered a new step in the field of financial relations, since they provide much more opportunities to their owners, compared to simple salary cards.
In essence, savings cards are a bank deposit from which you can withdraw money at any time, but you will still receive interest on the remaining balance. In addition, you can make purchases and return part of the spending back to your account. It sounds very attractive, so let's understand the nuances of storage plastic and what...
Buyer-bank-seller. Who benefits more from such a product?
Many banks offer their customers profitable debit cards with interest accrual. What is the benefit for the bank itself? First of all, your money is in the circulation of their enterprise. Also, when you buy something without cash, the seller pays a transaction fee. It is the amount of this commission that represents the banking material benefit.
Do not think that the seller suffers losses in case of payment by card. The commission amount is quite small and is included in the price of the product. Buyer's benefit in this situation obvious. Firstly, selling and buying in cashless form is often much more convenient. Using a card makes online shopping much easier, which I'll talk about in more detail next. Secondly, cards of this type offer a partial refund for the purchase. Cashback On goods that you would have bought anyway, you can save a lot of money.
Advantages of cards. What to look for when choosing
First of all, the advantage of debiting is its fast and free registration. The exception is plastic, which emphasizes the status of its owner (gold and platinum cards).
The debit card system is reminiscent of a deposit system. But the main difference is that a savings bank card allows you to freely withdraw money, transfer it from account to account, pay for purchases and carry out other transactions then, when you need it. Of course, the interest on the balance will be lower than the deposit. But you have the opportunity to manage your funds in the way that is most convenient. Moreover, in addition to withdrawing your own money when needed, you can borrow money. Some banking organizations create a debit account credit limit.
Reliability and popularity of the bank
When understanding which bank is best to apply for a card, we recommend paying attention to the level of reliability and popularity of different banking organizations. Large state-owned ones like Sberbank or VTB are known to everyone, they are considered very stable and protected from various cataclysms of the financial market. But you need to understand that the high level of client authority of such banks allows them to relax, because they are not interested in setting a favorable interest rate.
Commercial banks are trying to attract customers, so they offer cards on the best terms. But, focusing on tempting advertising, it is easy to fall into the bait of a fly-by-night enterprise. Truly reliable commercial organizations have a fairly wide distribution network; they have representative offices in almost all regions of the country. The most accessible today is Tinkoff through a courier service that will deliver your card to any place convenient for you, but the Europlan Bank product can only be issued to residents of the Moscow region. If you want to find a middle ground between the reliability of a bank and the profitability of its offers, then pay attention to the list of large commercial banking organizations presented below.
Production and maintenance costs
The degree to which a card is profitable depends partly on how much it costs to issue and service it. Thus, a prestigious gold or platinum debit card with interest on the balance will cost its owner more, but it also provides bonus accumulation system.
Such cards participate in promotions, on them the highest interest rate and impressive credit limit. If all this is necessary for work, then it makes sense to pay extra for production and maintenance.
In some banks the service is usually doesn't cost anything at all, as, for example, in Rocketbank . Depending on the status of the plastic, the minimum amount that must be deposited into the account to receive the privilege of free service also varies. For regular cards this can be about 100 rubles, for cards of a higher level we can talk about 30 - 100 thousand rubles.
Commissions
When using the card, you will be forced to pay a small commission for certain types of transactions. Typically, banks charge a commission for withdrawing money from ATMs of other banks and for using SMS notifications. The amounts of such commissions differ in different banks, as well as the principle of their calculation. The best debit cards from Tinkoff and Rocket allow you to withdraw cash from ATMs of any other banks without commission, but Loko-Bank clients cannot withdraw cash in this way. Be sure to pay attention to this point when drawing up the contract, otherwise an unpleasant surprise may occur.
Amount of funds on the card
- Limits on interest accrual. Banks set different interest rates on different amounts in the account. Eg, Tinkoff accrues 6% per year in the event that there are no more than 300 thousand on the card. If there is more money in the account, the interest will be halved. Therefore, it is much more profitable to split the deposit amounts between the accounts of two or three banks. For example, you can put 280 thousand on Tinkoff, 200 thousand on Rocket and 150 thousand on Alfa Bank. In this situation, you will receive maximum interest in all three banks without violating the limit.
- Minimum balance amount. When working with debit cards, many banks prescribe a mandatory amount that must remain in the client’s account to continue the free service. Most often she hesitates from 30 to 50 thousand rubles. If you leave less money in your account, the interest accrued may change. In case of violation of the conditions, the bank may begin to charge a service fee (about 100 rubles per month).
- Maximum withdrawal amounts. Some banks set a maximum amount you can withdraw per day or month. The terms and conditions may sometimes stipulate that a higher percentage will be charged if you withdraw a small amount, and vice versa.
Types of interest
When choosing a card, pay attention to the type of interest. There are banks that offer to credit your account not only with monetary interest, but also with bonus points, miles, and funds for topping up your phone.
There are currency debits. Keep in mind that the interest accrued on dollars or euros will be quite different from the interest on ruble savings.
Get an Alpha card and get 5% back in restaurants
Cashback
The bank may offer you a debit card that simply accrues interest, with a cashback function, or a plastic card that combines both of these options. Cashback– this is an opportunity to return part of the money for the purchase of goods back to your account. This option is useful for those who want to save money and will pay for their purchases with a card as often as possible.
Banks enter into agreements with trading enterprises or manufacturers of individual goods. According to the terms of such cooperation, customers are offered a high percentage of returns for a specific group of goods. That is, cashback acts as a kind of marketing technique, attracting buyers. As a result, everyone is satisfied: the buyer receives part of his money back, the bank receives a reward for cooperation with the seller, and the seller receives high profits due to the fact that his product is chosen among competitors.
Very often, high cashback is offered for purchasing air tickets, paying for fuel at some gas stations of one chain, and paying in cafes and restaurants. You can find out the full list of places where it will be profitable for you to pay with a card when registering or on the website of the selected bank.
Most often, they are returned to the buyer’s account. from 0.5% to 5% of payment, but in some cases the return on the card can reach 10 or even 15%. If you systematically use the refund function, then very soon you will see real savings in your money.
Order an Alfa Bank NEXT youth card
Online payments. Convenience of your personal account and mobile applications
Large commercial banks allow work with accounts online, which, of course, is very convenient. It will not be difficult for you to register on the website of the selected bank, as well as to understand the specifics of your personal account.
Using the online payment system you can:
- Set up automatic monthly (or at any other necessary frequency) payment mobile communication services, Internet, cable television and other services;
- Purchase tickets for certain types of public transport online;
- Pay utilities online;
- In your personal account save translation templates that you make systematically (transfers for work or topping up cards for loved ones);
- Pay for your purchases in online stores;
- Top up wallets and withdraw money from them to a card;
- Carry out various currency operations;
- Control your spending.
Consider all of the above and use your personal account on the banking website with maximum benefit.
My personal list of the best cards
Tinkoff Credit Systems
At this bank you can get a platinum MasterCard card, the interest rate of which reaches 6% for a balance of up to 300 thousand rubles, 0.5% for a balance of up to 10 thousand dollars and euros. Debit card Tinkoff Black allows you to return approximately 1 - 5% in cashback, but sometimes the return reaches 30% of the paid amount. Like other large banks, TKS allows its clients to make money transactions on the Internet. There are versions of your personal account for a computer and for a smartphone.
If you decide to order a Tinkoff savings card, it for free will be released and delivered to you anywhere in Russia. For plastic servicing, a fee is charged in the amount of 99 rubles per month, subject to a balance of less than 30,000 rubles. If the amount is greater, the service is free.
Order a TKS card
Alfa Bank
Provides its customers with several options for debit cards. For example, there is a version with cashback, when calculated, the owner is awarded 3 points for every 10 rubles. The Perekrestok MasterCard from Alfa Bank is a product with the ability free replenishment from a card of another bank, and free withdrawals from any ATMs. This bank also introduces bonus programs for its clients, including mileage program. You can choose a card to your liking by going to for an online application using the button below.
Card with 10% cashback at gas stations
Rocket Bank
Discovery-Rocket is different accrued 5.5% per year for the entire deposit amount, 1% cash back on all purchases and 10% cashback on a separate group of products. Rocketbank debit card free to service.
Free plastic from Rocket
Before choosing plastic, analyze the ratio of profit and maintenance costs this card. Perhaps it makes sense to get yourself several savings cards from different banks.
Additional Information
Anyone can apply for a debit card at a bank branch. But much more convenient leave a request online. Recently, many banks have been offering clients to choose their own design your cards. That is, you can create an individual appearance, put any image you like on it.
If you find that you have lost your card, it urgently needs to be blocked. Sometimes this is enough to call the service phone number or deactivate the card in your personal account online. You shouldn’t waste your time and hope that you’ll find what’s missing somewhere. You also shouldn’t assume that a strong password will protect your finances if the plastic is stolen. Better to play it safe.
Results
After studying the proposed article, you can figure out which debit card is best for you. Consider for what purpose you will most likely use this card, what approximately amounts will be in circulation, how much beneficial for you conditions of a particular bank. And if you have already made your choice, then feel free to fill out an application and wait for your interest to arrive. Don't forget to subscribe to the blog to receive new useful articles!
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Interest-free period- this is an opportunity to use a credit card and not pay interest for using money for up to 100 days. To do this, you need to make a minimum payment every month and pay off the entire debt on the card before the end of the interest-free period. Then no interest will accrue, and the interest-free period will renew each time after 60 or 100 days.
The minimum payment is 5%(but not less than 320 rubles) from the amount of credit card debt. This payment must be made monthly during the payment period. You can always find out the amount and date of the minimum payment, as well as the expiration date of the interest-free period, in the Alfa-Click Internet bank, Alfa-Mobile mobile bank, call center or any bank branch.
Payment period- this is a period of 20 calendar days, it begins from the date when the bank set a credit limit for you, and ends on the twentieth calendar day at 23:00 Moscow time. You can track dates and expenses, and you can at any time clarify the amount of the minimum payment and the end date of the payment period in Alfa-Click, Alfa-Mobile, in a call center or any bank branch.
Documents for obtaining a credit card
Fill out the application form, visit an Alfa-Bank branch and, along with the completed application form, provide your passport and one of the additional documents:
- International passport
- Driver's license
- TIN certificate
- SNILS
- Compulsory medical insurance policy
If you want to get a loan with a lower interest rate and a higher credit limit, please also provide an additional document issued in your name from the following list:
- Copy of vehicle registration certificate (vehicle not older than 4 years)
- A copy of a foreign passport with information about travel abroad over the past 12 months
- A copy of the front side of the VHI policy
To receive a credit card on even more favorable terms, please attach certificate on form2-NDFL in the last 3 months or bank certificate:
DOC Help on bank form 62.5 KBWhen filling out the certificate, you must follow the following rules:
- All help fields are required.
- The validity period of the “Certificate of employment and income of an individual” is 30 days from the date of registration
- The certificate must not be issued by the client to himself and/or his spouse
You can get a loan if
- You are a citizen of the Russian Federation aged 21 or older
- You have a permanent income of 9,000 rubles.
- after taxes for Moscow and 5,000 rubles.
- for regions of Russia
- Your continuous work experience is at least 3 months
- You have a contact phone number (mobile or home at your place of actual residence)
