7 best UnionPay cards from Russian banks

Primsotsbank offers its own conditions for issuing a card of the UnionPay payment system. It can be issued relatively inexpensively, namely for 3,000 rubles, but you will have to pay a lot for maintenance - 6,000 rubles / year. Partially, but only to a small extent, the service fee is compensated by free SMS informing. You can get another small advantage from using this card when you store funds on it. If the balance is more than 3000, but less than 1,000,000 rubles, 3% per annum will be charged on it. Primsotsbank has a large number of branches in the east of Russia, but now its network of presence is gradually expanding.

The All-Russian Regional Development Bank offers to issue a digital co-badged Mir card - UnionPay with favorable cashback conditions. The issue costs 6,000 rubles, while there is also a maintenance fee of 700 rubles a year. Cashback on the card is up to 1.5% depending on the category, however, for purchases from partners, you can get a refund of up to 30% of the funds. Since the card is digital, only current bank customers can issue it using their personal account on the website or mobile application. A co-badged card is a unique banking product that can work simultaneously through two payment systems. In Russia, payments on it will go through the Mir payment system, and abroad - through UnionPay.

The UnionPay smart card from Gazprombank is very popular, although it is quite expensive. To issue it, you will have to pay 15,000 rubles, but then it will be serviced completely free of charge. The debit card has a number of advantages that are typical for other offers of this bank.It will allow you to participate in the loyalty program, receiving cashback in rubles or miles, and will also give you a percentage surcharge on your savings account or deposit. You can withdraw cash at your own ATMs for free, and at third-party ATMs you don’t have to pay a commission when withdrawing up to 100,000 rubles. three transactions per month. Having received a plastic card, its owner can additionally issue a digital Union Pay.

The proposal of MTS-Bank can hardly be considered very profitable, but it still has certain advantages. A UnionPay debit card here costs 5,000 rubles if you apply for it online through the website, and 10,000 rubles if you apply at the office. You don’t have to pay for its maintenance for the first two months, then the fee will be a small 99 rubles / month, but if you spend more than 10,000 rubles a month or store more than 30,000 rubles on a card or savings account, you won’t have to pay. At MTS ATMs, you can withdraw up to 300,000 rubles without commission. per month, in third-party - up to 100,000 rubles. MTS Bank does not have any loyalty program, which is the main drawback, although not the most significant.

Post Bank did not stand aside and offered its customers a Vezdedokhod debit card with the UnionPay payment system. It differs from other similar offers of Russian banks by a lower cost of issue - 5,000 rubles. This card has a paid service - 399 rubles, for which you can not pay only if you spend more than 10,000 rubles. in the previous month. That is, ordering this plastic and not using it, just having it in reserve, is not entirely profitable. The card is connected to the Multibonus loyalty program, which allows you to count on cashback up to 3% in certain categories and up to 30% on purchases from partners.

Rosselkhozbank offers to issue several cards from the UnionPay payment system. One of them is a debit “Own card”, which can be either registered or unnamed. In the first case, 9,000 rubles will have to be paid for the issue, in the second - 7,500 rubles. The service is always free, as well as cash withdrawals from our own and partner ATMs. Withdrawal at other ATMs will cost 1%, but if you spend more than 30,000 rubles per month on the card, then there will be no commission for cashing out. There is also a cashback on the card, the size of which can reach 15%. You can apply for a card from the age of 14.

Solidarity Bank offers, perhaps, the best selection of debit and credit cards from the UnionPay payment system, but we decided to include the UnionPay Gold card in the rating. It is one of the most popular in its category in Russia and has a number of undeniable advantages. Cash withdrawals up to 500,000 rubles per month are free of charge at any ATMs in Russia and with a commission of only 1.7% you can withdraw currency abroad.An income of 4% per annum is accrued on the account balance from 15,000 to 300,000 rubles, which largely compensates for the lack of a loyalty program. The main plus is that you can get a card absolutely free of charge, but it is followed by a small minus - you will have to pay 2,000 rubles a year for maintenance. Despite some nuances, this is really one of the best offers.