10 best debit cards with interest for balance in 2022

"Alfa-Card with benefits" from Alfa-Bank really has many advantages, for which it is chosen by numerous clients of this credit institution. Plastic is not only produced, but also serviced free of charge without any additional conditions. There is also a cashback for all purchases with expenses from 10,000 per month, its monthly amount cannot exceed 5,000 rubles. Interest on the card balance is charged only on the amount not exceeding 300,000 rubles, but its amount is up to 8% per annum. There is only one nuance, but a very significant one. You can count on such a high percentage only in the first two months, then it will be 3%, which is also not bad, but not so impressive. For amounts over 300,000 rubles.interest is not charged at all.

The Evolution debit card from Ak Bars Bank will appeal to those who like to travel profitably. It allows you to earn "Universal Miles", which are later used to pay for train or plane tickets, as well as hotel stays. Issuing a card is free, but only those who spend at least 20,000 rubles on it within a month will not be able to pay for services. or replenish the balance in the amount of 10,000 rubles. Income can be up to 5% per annum, but only with a balance of 30,000 to 100,000 rubles. If the amount on the card account is more or less, interest will also be charged, but not as high. You can order the issue of plastic on the bank's website, where detailed conditions of the bonus program and other nuances of this offer are presented.

The Polza debit card from Home Credit Bank is issued and serviced free of charge without any conditions and restrictions. Another of its advantages is the possibility of receiving 5% on the account balance, but this will only be available if the monthly expenses exceed 30,000 rubles. Interest is charged only on amounts up to 300 thousand rubles. The basic cashback is small, only 1%, but for the three categories chosen by the client it is up to 5%, which is already quite good. There is also a cashback from partners in the amount of up to 30%. You can apply for a “Benefit” card both at the bank’s offices and online on the website. If necessary, it will be delivered by courier free of charge.

UBRD offers private clients a profitable cashback and up to 6% on the account balance when opening a Pora card.It is issued for free, but in order not to pay 99 rubles a month for maintenance, you will have to spend at least 15,000 rubles or maintain at least 100 thousand rubles on all bank accounts. With interest on the balance of the account, there are also nuances. You can count on the maximum 6% when spending at least 60,000 rubles, and they will be charged only for 300,000 rubles. Everything is not easy with a high cashback, which in the amount of 6% will be received only by those who spend more than 25,000 rubles. and for purchases in certain categories. With active use of the card, as well as spending in categories that offer increased cashback, it can be very profitable.

The "Maximum+" card from OTP Bank is attractive, first of all, for new customers who have not previously cooperated with this credit institution. For them, the bank is ready to offer exclusive conditions, namely, an income of 10% per annum (the promotion is valid until 12/31/2021).The rest can also count on receiving income, but it will be no more than 6% per annum and only if a certain list of conditions that are not the most favorable for most is fulfilled - with a turnover of 30 thousand rubles and maintaining a balance of at least 50 thousand rubles. The "Maximum+" card also attracts with the opportunity to receive a cashback of up to 10%, which is valid for purchases in three categories - pharmacies, clothing and footwear, children's clothing.

The Green World card from Post Bank allows not only to receive income in the form of interest on the balance, but also to become a participant in a charity event. For every 4,000 rubles that will be spent on this card, the bank will plant one tree, and the client will receive a certificate with an individual number and coordinates of the forest. The maximum percentage on the account balance reaches 7.5%, but it is not available to everyone. The final conditions depend on a number of factors - the tariff plan, the age of the client, the time since the opening of the account, the turnover on the account, as well as the status of the client. Monthly maintenance costs 69 rubles, but with expenses from 5,000 rubles. it will be free.

The "Maximum income" card from Loko-Bank offers one of the simplest and most understandable conditions for clients to receive income. Everyone who spends more than 60,000 rubles per month receives 6.5% per annum on it. and will maintain a minimum balance of the same amount. With expenses and the amount in the account from 40,000 rubles. income will be 6%, which is also quite good. Interest is charged in the amount of up to 5 million rubles, for most other banks it is several times lower. The card is issued free of charge, serviced free of charge subject to expenses and an average monthly balance of 40,000 rubles or more. If these conditions are not adhered to, then you will have to pay 499 rubles for the service. per month. But the SMS-informing service is always free and for everyone. Cashback is small, only 1%.

The Bought-Accumulated card from Tavrichesky Bank is issued and serviced free of charge, which can be considered a serious plus, especially considering the fact that it is offered to customers in two premium versions of Visa Gold or Mastercard Gold. The card offers one of the highest interest rates on a balance of up to 8% per annum, however, to receive such a rate, several conditions must be met, namely, to maintain an average monthly balance, as well as a spending level of at least 10,000 rubles. Also, the final percentage depends on the amount stored on the card account. Among the shortcomings, one can note the lack of cashback, as well as the fact that the bank has a very small regional network. You can order plastic on the website, pick it up at the branch. Muscovites can get a card with the help of a courier.

Tinkoff Black is a popular debit card, the use of which offers a number of benefits for its owner. Plastic can be ordered free of charge and received within 1-2 days by courier. It will also be serviced free of charge, but only if the client of the bank has a loan or a permanent balance on all accounts from 50,000 rubles. Income can be up to 7% per annum, but such conditions can only be counted on when spending from 3,000 rubles. and the presence of a Tinkoff Pro subscription, the cost of which is 199 rubles. per month. The rest will receive 4% per annum with an amount not exceeding 300 thousand rubles. The standard cashback is small, but for 3 selected categories it can be up to 15%.

The Profit debit card from Uralsib Bank can become an indispensable financial assistant for those who actively use non-cash payments.It is issued free of charge, you can order it online, and get it at the bank office or with courier delivery. Monthly making non-cash transactions on it in the amount of 10,000 rubles. and more, you can expect to receive 8% on the account balance. The same requirement is necessary for free service. At the same time, it is important that no more than 1,000,000 rubles are kept on the card account. If the amount is greater, then the interest on the balance will be zero. An additional nice bonus is a cashback of up to 3%, but not everyone can count on such%, for most it will be equal to 1%