Place |
Name |
Characteristic in the rating |
1 | Tinkoff All Airlines Black Edition | Best conditions for a premium card |
2 | Tinkoff Platinum | Maximum benefit in Russia and abroad |
3 | Euroset Corn | Best value for money |
4 | Alfa-Bank AlfaTravel Premium | The largest number of privileges |
5 | FK Otkritie Travel "Zolotaya" | Beneficial insurance on the "gold" card |
6 | Beeline Map | Free card with good rates |
7 | Gazprombank Travel Miles | Universal set of cards |
8 | Binbank Airmiles | Multicurrency credit card |
9 | Promsvyazbank "World map without borders" | Convenient bonus program with a choice |
10 | Raiffeisenbank Travel Rewards | Free additional card |
When traveling, it is important not only to chart the path and choose sights. It is necessary to have a convenient means by which you can pay in any city. And a bank card can become such a tool. The best options allow you to profitably convert rubles into foreign currency without looking for exchange points. And they provide many additional benefits. But not all cards are created equal.
That is why we have compiled a rating of the best credit cards for those who are going to travel. It includes the most successful options. When looking for plastic for travel, several parameters must be taken into account at once: the conversion rate, the availability of privileges, cashback (including in the form of points for travelers). Remember that credit cards almost always have high cash withdrawal fees.But if you need borrowed funds abroad, then credit is also suitable, provided that you do not withdraw money. Also, when writing the rating, we took into account the reviews of travelers.
TOP 10 Best Travel Credit Cards
For a quicker comparison, we have compiled a table of cards that contains their key characteristics.
Map | Conversion rate | Cross-border payment | Loan rate per year | Credit limit, rub. | Cashback / bonuses | Privilege |
Tinkoff All Airlines Black Edition | Central Bank exchange rate + 2% | 0% | from 12% | up to 2 million | from 1 to 10% | Yes |
Tinkoff Platinum | Central Bank exchange rate + 2% | 0% | from 12% | up to 300 thousand | from 1 to 30% | No |
Euroset Corn | at the exchange rate of the Central Bank | 0% | from 28.9% | up to 300 thousand | until 3% | No |
Alfa-Bank Alfa Travel Premium | Central Bank rate + 1% | 2,5% | from 23.99% | up to 1 million | from 2 to 11% | Yes |
FK Otkritie Travel "Zolotaya" | Central Bank rate + 1% | 0% | from 18.9% | up to 300 thousand | 3% | No |
Beeline Map | at the exchange rate of the Central Bank | 0% | from 28.9% | up to 300 thousand | from 1 to 5% | No |
Gazprombank Travel Miles | Central Bank exchange rate + 2% | 0% | from 21.9% | two average monthly incomes | from 1 to 10% | No |
Binbank Airmiles | Central Bank exchange rate + 2.5% | 0% | 24% | up to 1 million | from 1 to 7% | Yes |
Promsvyazbank "World map without borders" | Central Bank exchange rate + 1.5% | 0% | 27% | up to 600 thousand | from 1 to 10% | No |
Raiffeisenbank Travel Rewards | Central Bank exchange rate + 1.5% | 1,65% | from 27% | up to 600 thousand | 3% | No |
For detailed information, be sure to check out the description of each card just below.
10 Raiffeisenbank Travel Rewards
Credit limit: up to 600 thousand rubles
Rating (2022): 4.3
Credit card especially for those who constantly travel. It has a good limit - up to 600 thousand rubles. But the percentage is not encouraging - from 27% per annum. The main plus is the opportunity to issue a free additional card to one account.This can be very convenient when traveling abroad with your family.
Cash withdrawals at other people's ATMs are subject to a commission of 3.9% of the amount and 390 rubles on top. Fixed cashback - 1 ruble for every 30 rubles spent, that is, a little more than 3% of the amount. Credit card maintenance will cost 2990 rubles per year. At the same time, mobile informing and online banking are free.
The card account can only be in rubles. Therefore, you will have to pay an additional 1.65% for a cross-border payment. Currency conversion takes place at the rate of the Central Bank + 1.5% from Raiffeisenbank. Total losses will be more than 3%, which is not very profitable. So take care of the right card in advance.
9 Promsvyazbank "World map without borders"
Credit limit: up to 600 thousand rubles
Rating (2022): 4.3
MasterCard World credit card with excellent conditions and cost of 1990 rubles per year. It is interesting that it can be made payable - perhaps it will be convenient for someone. The main feature of the card is an interesting bonus program. The owner is free to dispose of the points received as he pleases - choose the airline on his own, pay for the ticket in full or in part with bonuses, and also spend them on anything during the holiday, and not just a round-trip flight.
Despite the "non-privileged" card, the bank will provide its owner with insurance covering up to 50,000 euros. In addition, the reviews write that the bank does not block the card, even if it is not warned about going abroad. Cashback varies - for any purchases you will receive 1.5%. For spending outside the Russian Federation or in the "Travel" category, 3% will return.And for promotional sections that change periodically, you can get 10% cashback. The credit limit for a relatively cheap card is good - 600 thousand rubles. The credit rate is 27%, which is not too little. Commission - 4.9% of the amount withdrawn from an ATM.
Cross-border payment, in turn, by card is made in an unusual way. If you pay for something in rubles, dollars or euros, then it will not be available - you only need to pay for the conversion at the Central Bank rate + 1.5% on top. And if in a currency other than these three, you will have to pay an additional 1.99% to the exchange rate.
8 Binbank Airmiles
Credit limit: up to 1 million rubles
Rating (2022): 4.4
We recommend that you purchase such a card together with the Premium service package in order to get the maximum privileges for a Visa Signature or MasterCard World Black Edition card of your choice. For 1950 rubles a month you will get all the benefits of "platinum" and free insurance for 100 thousand euros. In addition, the card, according to the bank, will be multicurrency. The main monetary unit is the ruble, the auxiliary ones are the euro, the dollar and the British pound.
Binbank made an interesting system for accruing cashback and interest on the balance. They come in the form of bonuses to a special virtual account at the rate of 1 ruble = 1 point. The amount of cashback varies. For regular card purchases, it is 1% of the amount. And in the “Travel” category, the return increases to 7%. At the same time, you can spend it only on buying tickets, renting transport or booking hotels. The balance is charged at 6% per annum. You can withdraw your own cash from ATMs without commission, but with a limit of 75 thousand rubles per month. Credit - with a commission of 3.5%.
The exchange rate when paying in the wrong currency on the card is unfavorable - Binbank adds another 2.5% to the Central Bank level. But due to cashback, the overpayment is leveled to an acceptable 1.5% at least. So you should count on this nuance.
7 Gazprombank Travel Miles
Credit limit: two average monthly incomes
Rating (2022): 4.4
Gazprombank cards issued as part of Travel Miles can be called a very successful solution for travelers. The set contains two cards linked to one client account: the main Visa Gold and, as an additional one, MasterCard World. This is very convenient, because these two payment systems have different main currencies: Visa has only the dollar, while MasterCard has both the dollar and the euro at the same time. Therefore, you can take them with you to any country where you need to pay in euros or dollars. Interestingly, the credit limit is calculated based on the holder's salary - the bank gives only two average monthly incomes, which is not very much, under a grace period of up to 90 days. Interest rate - 21.9% per year.
In addition to the main bonus points, the bank also accrues bonus points - for every 30 rubles, an additional 2 miles are dripped for the first month of use, and in the next - 0.5 each. So with serious expenses, you can quickly save up for a trip. It is also convenient that unnecessary miles can be transferred to relatives or friends, collecting them on one account. But, unfortunately, you can spend such a cashback only on iGlobe - this is a partner of the bank, which organized the bonus program.
Unfortunately, it is impossible to achieve free card service or receive interest on the balance - the bank does not provide such an opportunity.You will have to pay 1300 rubles a year for a set of two cards, which is pretty good. In addition, only payroll customers of Gazprombank can get a credit card of this kind.
6 Beeline Map
Credit limit: 300 thousand rubles
Rating (2022): 4.5
Often this card is called the little sister of Corn. Indeed, they have one issuer - RNKO "Payment Center", and the tariffs and conditions are similar. Like Corn, the card has a serious drawback - the funds on it are not insured in any way until the “Interest on the balance” service is activated. The card should be issued first of all to those who use the Beeline mobile operator: due to bonuses, you can get a good discount on communications or accessories. But first things first.
There are no commissions for cross-border payment or conversion on the card - money is transferred to another currency at the rate of the Central Bank. A bonus program acts as a cashback - 1% bonuses are returned for each purchase. If you select "favorite" categories, then you will receive 5% cashback for them. You can get up to 3,000 bonuses per month, but they are spent only in the Beeline chain of stores on smartphones, accessories, communications and other goods. Standard credit limit - up to 300 thousand rubles. The percentage per year, like that of the "big sister", is too big - 28.9%.
The card allows you to open an account only in Russian currency. So it is unprofitable to take it to countries where neither dollars nor euros are in use, because you can run into double conversion, which will entail additional costs. The big drawback is the expensive cash withdrawal: 4.9%, but not less than 500 rubles at a time.
5 FK Otkritie Travel "Zolotaya"
Credit limit: up to 300 thousand rubles
Rating (2022): 4.6
Card category - Visa Gold with all the ensuing privileges. There is even free travel insurance in the amount of 35,000 euros. The card will cost 2990 rubles per year. The credit limit, in comparison with other rating cards, is small for a "gold" card - only 300 thousand rubles. But the rate is not the worst - from 18.9%
Pleased with the tariffs for using the card. Currency conversion is more than profitable - only + 1% to the Central Bank rate. There are no cross-border payments. There is a cashback, and it is credited in the form of points - they can be spent on any air tickets or booking accommodation while traveling with bank partners. The amount is fixed - 3 rubles from every 100 rubles, or 3%. If you spend money on the website of the bank for travelers, then instead of 3 rubles, 5 will be charged.
The commission for withdrawing money from ATMs is 3.9%. The monthly cash withdrawal limit is 300 thousand rubles. You will also have to pay for SMS-informing - it costs 59 rubles per month.
4 Alfa-Bank AlfaTravel Premium
Credit limit: up to 1 million rubles
Rating (2022): 4.7
Expensive premium card with corresponding privileges. This pleasure costs 5,000 per month (Premium package with a free first card), plus you need to pay 4,990 rubles a year for the plastic itself. In addition to standard bonuses for cards of this type, it has many additional ones - in particular, discounts on taxis and car rentals, free internet, and so on. Separately, it is worth highlighting the Concierge service: the bank will provide a personal manager who will carry out personal assignments. Interestingly, the credit limit "for everyone" is 1 million. And the rate starts from 23.99% per year.
You can open a card in a currency (dollars / euros / francs / pounds). Withdrawing money from ATMs in other countries is free. Visa Signature allows you to enter the VIP areas of airports. The bank issues extended insurance for the cardholder and his family with an insurance amount of up to 150,000 euros. The bonus program is designed for people who spend a lot of money. Starting from 10 thousand rubles of spending per month, cashback in miles (which can be spent on tickets or hotels) for any purchases will be 2%. From 70 thousand - 3%. And from 100 thousand - 5%. At the same time, if you purchase tickets and book hotels on the card website, then the refund amount will increase up to 11%.
If you need to change the currency from the ruble to the dollar or euro, the loss on the cross-border payment will be an extra 2.5%. If you use a card in a certain currency in a country where it is in use, then there will be no additional commission.
3 Euroset Corn
Credit limit: up to 300 thousand rubles.
Rating (2022): 4.8
The Maize MasterCard PayPass card is a very good option. It has almost no drawbacks compared to most other travel cards. Plastic is serviced for 250 rubles a year and has almost no commissions. The card issuer is RNCO "Payment Center". Since the organization is non-banking, deposits in it are not insured in any way. The card allows you to get a credit limit of up to 300 thousand rubles with a grace period of 55 days. But the percentages are high - from 28.9% and above.
There is no commission for a cross-border transfer. Converting rubles into dollars or euros is at the rate of the Central Bank, so you won’t have to overpay for services. It is interesting that SMS-informing also got into the service of the card.It will not work to withdraw money without a commission - you will have to pay a minimum 1% for your own funds. And credit are subject to a large percentage - at least 4.9% (from 400 rubles). It is convenient that there is informative Internet banking with a mobile application. Cashback is 1.5% on any purchase. If you connect the "Double benefit" option, then its size will increase to 3%. For partners, the return sometimes reaches 20%.
There is only one drawback - the card can only have a ruble account. Therefore, it is better not to take it to countries whose currency is different from the euro or the dollar. For such situations, cards with currency accounts and similar conditions are more suitable. And for simple trips, judging by the reviews, Corn is ideal.
2 Tinkoff Platinum
Credit limit: up to 300 thousand rubles
Rating (2022): 4.8
The classic Tinkoff bank credit card is very beneficial when traveling. But this is not a complete "Platinum", but only a name - MasterCard World is taken as a basis. Due to a good cashback, you can take this ruble card with you - losses on currency exchange will be minimal. Maintenance costs 590 rubles a year - taking into account the fact that there is only one name from the "platinum" in the card, the cost is quite acceptable.
It is convenient that there is a cashback for all categories of goods - at least 1%. And you can also buy goods from the special offers of the bank - then the return starts from 3%. Purchases from partners can raise cashback up to 30%. There is no cross-border payment at all. Tinkoff uses its own currency conversion rate, which exceeds the rate of the Central Bank of the Russian Federation by 2%.
Not happy that transaction alerts will cost 59 rubles per month. If you withdraw cash from an ATM, you will have to pay 2.9% of the amount plus 290 rubles on top - and this is a minus.However, for such a price, the "platinum" card fully justifies the expectations.
1 Tinkoff All Airlines Black Edition
Credit limit: up to 2 million rubles.
Rating (2022): 4.9
Premium card with miles program. It will cost 1490 rubles per month. But you can use it for free if you keep 3 million in bank accounts or spend at least 200 thousand rubles. In addition to the standard privileges of premium cards (in particular, access to VIP areas twice a month), the bank provides a personal manager, concierge service, gift insurance for the owner and his family for 100,000 dollars while traveling. The credit limit is huge - up to 2 million rubles. At the same time, the minimum rate is quite low - only 12%.
The card works with the bank's miles program. Cashback is credited for all purchases. It is counted as miles - you will receive at least 1% return from every 100 rubles. For booking a room in a hotel or hostel, as well as car rental, you can receive up to 10%, and for tickets - up to 5%. Partners can earn up to 30% cashback. You can get money from ATMs for free, but only up to 100 thousand rubles per month. Anything larger is subject to a 2% commission. I am glad that you do not have to pay for SMS-informing.
The disadvantage can be considered the absence of other currencies, except for the ruble - when used abroad, you will have to spend money on conversion (CB + 2%). However, due to cashback, almost all the difference will be covered. In the reviews, many note that the card is profitable, even despite the course.