10 Best Debit Cards for Senior Citizens

A debit card for pensioners from Rosselkhozbank is a good and quite profitable option. Free production and use, cashback up to 5% in rubles, accrual of up to 4% on the account balance - pensioners can take advantage of all these benefits. Additionally, you can choose the option of cashback at a pharmacy or free cash withdrawal by devices of any banks, but only one of the options. Both instant and personal cards are available to users. Any pensioner or younger person who receives social benefits can receive it. There is no contactless payment here, which is an obvious disadvantage, as well as a small number of ATMs.

The MIR system card from Transcapitalbank can be called quite profitable. Its service is free, and due to the cashback up to 5%, you can save a little money. In addition, there is income on the balance on the card, it is up to 4% per annum. It is convenient that you can withdraw cash at any ATM of partners, and you will not have to pay for it. A little frustrating is the lack of convenient contactless payment and paid SMS-informing costing 60 rubles a month. Otherwise, the offer is not bad, it is quite suitable for pensioners who are not particularly interested in bonus programs.

The debit card of Rosgosstrakh Bank attracts with increased cashback money. According to the loyalty program of the MIR system, it can be up to 10%. In other categories, refunds will be less. Upon presentation of a pension certificate, production and maintenance are free of charge, for SMS notifications and withdrawals from own ATMs, no fee is charged. There are not so many of them, but you can get funds not at a loss at Sberbank, VTB. Up to 4.5% is charged on the balance of funds, depending on the amount and term of placement. In general, the solution is not bad, but not the most common, and not the most flattering reviews can be found about a financial organization.

Quite an interesting option from Otkritie Bank, which is available only to pensioners.The issue and subsequent operations on the card are free of charge, and no fee is charged for SMS informing. At the same time, 4% per annum is charged for the amount on the account from 1000 to 19990 rubles and cashback is provided. It is 3% and does not apply to all types of goods. But for purchases in pharmacies, which pensioners have to make quite often, the money due will definitely be returned. We are also pleased with the possibility of contactless payment, the convenience of which pensioners have already appreciated. To enjoy all the benefits, the pension must be credited to this card.

A large Russian bank offers a rather profitable Honorary Pensioner card of the MIR system. It is issued free of charge, serviced too. Provided that 5,000 rubles always remain in the account, 5% per annum is accrued monthly. It is also convenient that in Russia you can withdraw money without a commission fee, regardless of the financial institution.There are two bonus programs for pensioners, but you can choose only one of them - this is the accrual of points (1 for every 50 rubles) or the transfer of funds to the phone in the amount of 0.5% of the purchase amount). The disadvantages include the free provision of SMS informing services only in the first two months of use, then 59 rubles will be charged for it.

The Mir debit card from one of the largest banks in Russia is used to credit pensions and other payments from the state. There is no charge for issuance, nor for maintenance. It is issued for a period of 5 years. Contactless payment is provided, but you cannot pay using the application on your smartphone. There are two bonus systems at once - “Thank you” points from Sberbank and cashback up to 20% in money from partners. Accrual on residual funds is provided, but there are better offers.Despite the reliability of the financial institution, the functionality of this card is thoroughly curtailed. It can only be used in Russia, payment in most online stores does not work.

This bank has a rather narrow geography of distribution, but many users speak well of its pension card. Among the advantages, really favorable conditions are usually indicated. It can be used for free, without paying money for use, and they don’t charge for SMS informing either. There is no commission deducted for withdrawals from dispensing devices of third-party financial institutions. But at the same time, the bank still accrues interest on the residual balance, and savings are achieved through the bonus program, returning 5% in the form of points. True, there are some points that you need to know. The offer attracts a generous 7% per annum, but it is valid for only three months, then the amount of accruals is reduced to 4.5%.

Post Bank offers a pension card, which is issued only if you have the appropriate certificate. If it is unnamed, it is issued and maintained free of charge. In this case, it can be delivered by Russian Post. For a personalized order, you will have to pay 500 rubles. There is no charge for use in both cases. The offer will be beneficial to those pensioners who keep considerable savings. With a balance of more than 50,000 rubles, 5% per annum is charged, with an amount of more than 1,000 rubles, the remuneration will be only 3%. There is no cashback in rubles here, only points (3% of the purchase amount), but they are awarded in a variety of categories, so the bonus program is quite profitable.

The MIR premium multicard is issued by VTB specifically for pensioners. Elderly people are offered quite favorable conditions - free release, information about operations via SMS. You can withdraw cash in the devices of VTB and partners for free, in third-party devices - with a preferential commission, part of which is then returned to the card in the form of cashback. Up to 4% per annum is charged on the amount on the card, regardless of how much money is on the balance. The bonus program is diverse, it gives you the opportunity to choose between points, up to 1.5% of the purchase and rubles, but for people of retirement age it can be difficult. Cashback is 1.5%, and from partners - up to 15%.

Many pensioners speak well of the IIB card, despite the fact that it still has a number of shortcomings. It is issued free of charge, but in order not to be charged for maintenance, a permanent account balance must be at least 10,000 rubles. The same rule applies to SMS notifications. But crediting cashback in rubles can be attributed to obvious advantages - for pensioners it is much more convenient than points. It is especially profitable to buy in pharmacies: 5% of the amount spent is returned. The need for re-release will appear only after five years, that is how long it lasts. Well, one cannot fail to mention the unusual "knitted" design, for which she was nicknamed the "mitten".