Top 10 Interest Debit Cards for the rest of 2020

Rocketbank is a modern innovative product from such large banks as Otkritie and Qiwi Bank. It includes several weekend offers on different cards.For Cozy Space holders, there are special conditions for cashback and interest on the balance.

This card is issued within 2-3 days and delivered to the client directly at home. Its registration takes place online. For opening, as well as for maintenance, no commission is charged. 4.5% per annum is accrued on the account balance. At the same time, 1% of the amount spent is always returned to the bonus account in the form of rocketrubles, which can be used to pay for purchases in the future. When shopping in "favorite places" cashback is 10%. For transfers, a fee of 1.5% of the amount is charged (if a client transfers more than 5,000 rubles at a time, then there is no commission). Replenishment through Otkritie ATMs is free, with other options - 0.5% of the amount. When you install a mobile application, you receive push notifications about all completed transactions. The following conditions apply to cash withdrawals: the first 5 are free, the next with a commission of 1.5%.

Pros: transparent conditions for receiving% on the balance, fixed income, bonuses and cashbacks, convenient Internet banking, hand delivery, free opening and maintenance. Cons: not favorable conditions for replenishment and money transfer.

VTB Bank is considered one of the most stable and reliable banks. It has a wide network of branches and ATMs throughout the country. It provides a variety of services for small businesses, large enterprises and individuals. The population is invited to issue debit cards on interesting terms.

"Multicard" from "VTB" is able to accrue up to 9% per annum on the balance, but only if certain conditions are met.Almost everything is affected by the monthly amount of expenses on the card account: with expenses over 75,000 rubles. you can count on the maximum rate (9%), from 15 to 75 thousand - 4%, less than 15,000 - only 2%. Also, to get the maximum interest on the balance, you need to link the “Savings” option: this will allow you to charge up to 1.5% more, depending on the amount. In 2017, this card was recognized as the best according to the banki.ru portal in the Bank Card of the Year nomination. This is due to optimal conditions and excellent add. bonuses. For example, a client receives up to 10% cashback from purchases. Its size depends on the category chosen independently (cars, restaurants, travel, etc.). The card is opened free of charge and is also serviced (for spending more than 5,000 rubles per month). Under the same conditions, the possibility of transfers to other accounts and cash withdrawals from any ATMs is provided.

Pros: increased cashback for some categories, free service, use and performance of various operations when the minimum amount of purchases per month is reached, better reviews from holders. Cons: very low interest on the balance with savings below 75,000 rubles.

The first online bank "Tinkoff" has significantly expanded the range of services offered over the past few years. Now customers can apply for a mortgage, order a credit or debit card, take out a loan for various needs, and more. Tinkoff cards are one of the most widely used products. They are presented in a wide range and have different conditions.

The Tinkoff Black debit card provides interest on the balance if it stores from 3,000 to 300,000 rubles (and spends more than 3,000 rubles per month). To calculate payments, averages for each day of the month are used. The main difference of the bank is that it is easy to order any product online. This card is no exception. The courier will bring her home in a few days. In this case, the release will be completely free. The bank charges a fee of 99 rubles for the service. monthly, but with a balance of more than 30 thousand rubles. the client uses it for free. Cashback up to 5% applies to online payments. An important feature is the withdrawal of an amount exceeding 3,000 rubles, free of charge at any ATM of any bank. Transfers can be made online, but 90 rubles are charged for them. SMS-informing is provided without commission.

Pros: convenient Internet banking, optimal conditions, free SMS notification, large cashback on purchases, online checkout, delivery by courier. Cons: not profitable cash withdrawal (less than 3000 rubles).

According to the Central Bank, the Ural Bank for Reconstruction and Development is in the top 30 largest banks in our country. Its offices are represented in many cities of Russia. Opened back in 1990. The range of products is quite rich: there are various offers for both ordinary customers and entrepreneurs, businesses, and so on.

The Maximum Classic card is an interesting offer among similar debit cards.At the beginning of use, 1440 rubles are charged for servicing a debit card with interest on the balance. In the case of purchases in excess of 120 thousand rubles. in the past year, the commission is compensated by the bank. The maximum interest on the balance is valid for a turnover of more than 10,000 rubles. monthly and savings in the amount of 20 to 350 thousand rubles. Holders receive excellent conditions for cashback - up to 10% of the cost is returned for bonus categories (among them: gas stations, fitness centers, air and railway tickets). All other purchases receive 1% cashback. Withdraw cash from your own ATM for free, and from others - 1% of the amount, but at least 120 rubles. The bank sets limits on cash receipts: 100,000 rubles. per day through an ATM or cash desk. The application can be filled out online on the website.

Pros: profitable cash withdrawal, good interest on the balance, return of purchases with bonuses, quick release, special categories with increased cashback. Cons: expensive service.

Home Credit is a commercial bank that has opened more than 6,000 branches and ATMs throughout Russia. Its main office is located in the capital. Founded in 1990. It allows you to make deposits, get a loan, order a credit or debit card, and much more.

One of the bank's most popular products is the Polza debit card. According to it, the client receives additional income up to 7% per annum on the account balance. The payment scheme is as follows: 3% for savings above 300 thousand rubles, 5% for amounts up to 300,000 rubles.and having less than 5 purchases per month, 7% for the same amount, but with more than 5 transactions per month. No fee is charged for using the card if the amount of expenses exceeds 5000 rubles. and with a balance of more than 10,000 rubles. "Benefit" is a high-tech product, because supports popular features: payWave, Apple Pay, Samsung Pay, etc. Holders get back up to 10% for purchases from partners, 3% in entertainment venues and 1% in any case. This allows you to accumulate bonuses and use them in the future. Cash withdrawal from own ATMs is made without commission, in other cases it is 100 rubles. (except for the first 5 operations - they are free).

Pros: interesting conditions for cashback, the first month of use is always free, its own application for a smartphone, good reviews from holders. Cons: paid service if conditions are not met.

Renaissance Credit is a large commercial bank with offices throughout Russia. Its main specialization is the issuance of consumer loans. But among the offers of the bank, you can also find several debit cards that have a fairly high interest on the balance.

A debit card of the MasterCard payment system from Renaissance Credit is provided on very favorable terms. With a monthly account balance of up to 500 thousand rubles, the client receives an annual income of up to 7.25%, with an amount over the specified amount - 6%. Its service costs only 59 rubles, and if you fulfill some of the requirements of the bank (spending more than 5,000 rubles and a balance of at least 30,000 rubles), it is absolutely free.It is convenient to issue a card through an online application, after which you need to come to the office to receive it. Usually its release takes 1-2 days. It costs only 99 rubles. A special bonus program will help you save on purchases and return up to 100% of their value in the form of bonuses, which are then converted into rubles. The fee for the SMS notification service will be 50 rubles per month. An important feature of the card is the withdrawal of no more than 25,000 rubles. per month is carried out without commission in all ATMs.

Pros: the most profitable cash withdrawal, good return on savings, fast processing, interesting bonus program, many deposit options.

Vostochny Bank is mainly focused on retail lending: its catalog contains many different services for clients. Branches can be found throughout the country, especially in Siberia and the Far East. Among the offers of the bank there are also debit cards with favorable conditions for the account balance.

Card No. 1 received excellent working conditions: an additional 7% on the account for any client who holds at least 10 and no more than 500 thousand rubles on the card. on account. If you store more than 500 thousand, then only 2% will be charged. At the same time, for pensioners receiving a pension on this card, there is an increased annual rate (more by 0.5%). You don’t have to pay for servicing the card, but you will have to pay for the issue from 150 rubles for receiving it at the office to 350 rubles if the card is delivered by courier. Among the additional services there is SMS informing, cashback service (up to 1.5% is returned from each purchase, and in summer up to 5% in restaurants, cafes, etc.).If desired, the client can issue an additional card. For the convenience of parents, the bank offers the issuance of a children's card (for persons from 6 to 14 years old) with free service. A unique and convenient mobile application for the bank allows you to manage your account from anywhere. Cash withdrawal at own ATMs without commission, at other 2% of the amount (if more than 3000 rubles, then free of charge).

Pros: interesting conditions for pensioners, good income, free service, mobile banking, registration of a children's card, profitable cashback.

The famous Alfa-Bank was founded over 25 years ago. It is the largest non-state bank in the country in terms of assets. It offers a wide range of different services. For individuals, there are many profitable offers both for lending and for issuing cards.

By opening the "Alfa-card" Premium, you can get an income of up to 7% per year on the account balance. This offer is relevant for holders of large amounts. You can not pay for servicing the card account if you fulfill one of the conditions - the receipt of wages from 400 thousand rubles. per month, average card balances from 1.5 million rubles. and 100 thousand rubles. per month for purchases, average card balances from 3 million rubles. If this is not done, then every month a fee of 5000 rubles is charged. After opening the card, the first two months are charged 7% per annum. Further, the percentage depends on the expenses on the account. That is, if the amount of purchases per month is only from 10 thousand rubles, the income will be 1%, from 70 thousand - 6%, and with spending over 100 thousand - 7%.A great bonus is the ability to order a card on the site and receive it by courier. Another feature is that each client has a personal manager who will help book an air ticket, order a transfer and arrange insurance. Operators can also help with transfers of funds, opening an account. Management takes place through the most convenient mobile bank.

Pros: a large % on the balance for large amounts, a personal assistant, courier delivery of the card, excellent Internet banking, conversion at a favorable rate. Cons: You will have to pay dearly for the service of the card if you do not meet the conditions.

Otkritie Bank occupies one of the leading positions among the largest Russian banks. It provides services to legal entities and the public. A separate area of ​​activity is the issuance of online cards. Among the offers of the bank there is also a debit card with a good income.

Opencard offers a stable 7% per annum on the money in the account, no more, no less. To do this, you only need to activate the "My piggy bank" service. There is a cash withdrawal limit on the card - up to 200 thousand rubles. per day and up to 1 million rubles. per month. The main focus of the bank is on cashback, which can be increased up to 11%. This is a fairly high and profitable percentage, especially if you make a lot of purchases for large amounts. For the first month of servicing the card account, you are provided with the maximum percentage of cashback. You can then choose one of the four categories in which you shop the most.You can get 11% cashback by fulfilling the following conditions within a month: any purchases with a card from 5000 rubles, purchases in your category with a card from 1000 rubles. and with a minimum balance on all cards of Otkritie Bank from 100 thousand rubles. in addition, every month you can choose new categories for bargains. By default, 3% cashback is enabled.

Pros: the highest cashback, a stable percentage per annum, utility bills without commission, free card maintenance.

LokoBank is considered one of the most reliable banks in Russia according to customers. It provides a wide range of services for both individuals and legal entities. It offers its customers to issue debit cards with a very favorable interest on the balance.

The "Maximum income" card is able to give up to 8% per annum on the funds stored on the card. To do this, it is necessary to fulfill a number of conditions: not to have more than 5 million rubles in savings and less than 60 thousand rubles. At the same time, it is necessary to spend at least 60 thousand rubles every month and keep the same amount on the card as a minimum balance. The card is ideal for those whose spending and income are above average. The main feature of the product: free registration and maintenance under the minimum conditions. Otherwise, the monthly card will cost 499 rubles. "Maximum income" is issued for 3 years. The bank gives the opportunity to connect three additional copies. Another difference of the card is that with any purchase, a cashback of 0.5% is charged.For convenience, the bank has developed a mobile application through which you can perform any operations, including account replenishment.

Pros: high interest on the balance, free registration, convenient management through the application, the ability to open additional cards, easy replenishment. Cons: Large monthly fee if conditions are not met.