In order to attract customers, credit institutions are waiving fees for issuing debit cards in 2018 and beyond. There are really a lot of offers, and the fee for issuing a card will make the product uncompetitive in the market. Over time, even this option was not enough to ensure a stable flow of customers.

Almost all debit cards provide for an annual service fee. That is, the client does not pay anything for issuing the card, but already in the process of using it will pay in parts or in full to the bank the amount for servicing the card. At the same time, there are enough products on the market that do not provide for a fee either for issuing a card or for its annual maintenance.

Free debit card - how it works

When making a debit card, a potential client concludes an agreement with the bank. Before concluding a contract, the client is advised to read the user agreement. This document contains all the information on the terms of use of the card. A free debit card may not be completely free, as some credit institutions use the "second year" approach.

The card is issued free of charge, and the bank will not charge a fee for its maintenance in the first year of use, provided that the holder uses only the standard package of services, without connecting additional options. Starting from the second year of use, the bank will charge a fee. The fee is charged monthly - when the amount is divided into 12 equal parts, or through a one-time write-off. In the second case, the account balance may go negative if there are not enough funds to write off.

Tariffs and payment terms are prescribed in the relevant sections of the user agreement. To ensure that the collection of payment by the bank does not become an unpleasant surprise for the user, the information must be clarified before receiving the card.

If the user has decided on a card, under the terms of which the fee is charged from the second year of use, you can issue such a card and use it for free for exactly one year. When the free period expires, the card is closed. Thus, the client pays nothing to the bank. Debit cards close quickly - just activate the appropriate option in your personal account.

Completely free debit cards also exist, and anyone can apply for them. It is a mistake to believe that a number of restrictions are provided for such cards. The only restriction concerns limits: for making transfers and withdrawing funds. Such cards are completely identical to their paid counterparts in terms of functionality.

Where to get a card with free annual service

It is useful to divide offers into completely free - for which no fees are charged for the entire period of use with partial payment - when the likelihood of charging a fee and its amount depends on how the client uses the card.

There are several completely free cards on the market. According to the terms of their issue and use, the client does not pay any fee to the bank. In the process of using this service, the bank does not review it. The most popular debit cards with free annual service:

• "Cumulative" - ​​RosEvroBank;
• "Card Plus" - Credit Europe Bank;
• Pyaterochka - Post Bank;
• "Cozy Space" - Rocketbank;
• "Capital INSTANT ISSUE" - Rosselkhozbank;
• "Honorary Pensioner" - Uralsib Bank;
• "Test" - RosEvroBank;
• "Direct" - BCS Bank;
• "Pensionnaya Mir" - Sberbank of Russia;
• "Special Status" - Asia-Pacific Bank;
• "Prepaid with simplified identification" - All-Russian Bank for Regional Development.

Each free debit card is issued on a general basis, without any restrictions. Banks make personal offers for issuing such cards to some customers. In each case, a full range of services and options is provided for the most convenient use of the card.

List of cards with fees from the second year

If none of the designated cards can be issued by the customer for some reason, then a debit card can be applied for, issued with charging conditions from the second year of use. Many of these cards, in addition to preferential services, provide the possibility of accruing interest and returning money in the form of cashback. These cards include the following:

1. "CitiOnePlus" - Citibank (0-2500 rubles);
2. "Tinkoff Black" - Tinkoff Bank (0-1188 rubles);
3. "Multicard" - VTB (0-2988 rubles);
4. "All at once" - Raiffeisenbank (0-1490 rubles);
5. "Benefit" - Home Credit Bank (0-1089 rubles);
6. "Smart Card" - FC Otkritie (0-3588 rubles);
7. "Maximum income" - Loko-bank (0-7689 rubles)
8. "Your PSB" - Promsvyazbank (0-1100 rubles);
9. "Debit" - Touch Bank (0-2750 rubles);
10. "Cumulative" - ​​Russian Mortgage Bank (0-990 rubles).

Whether a fee will be charged or not depends on the process of using the card. For example, the Accumulation card from the Russian Mortgage Bank does not provide for a fee from the second year if the annual turnover of funds for all transactions exceeds the established minimum. If the amount is not enough, then the user will have to pay 990 rubles a year for servicing the card.

Separately, we should mention the product from Alfa-Bank, which launched the issue of the NEXT debit card. The card is issued in the form of a youth card and has all the necessary options for the intended use. It is issued free of charge, but for each month the user pays only 10 rubles for annual service. The final fee will be 120 rubles, which is not so critical for most plastic card holders.

Cons of debit cards with no annual fee

There is a difference between free and paid cards, and this difference can be significant. First of all, it concerns the package of services. If there is no service charge, it means that the customer has access to a limited set of options and services. Banks always charge a fee for SMS informing, and without this option it is difficult to track spending on the card. For free maps, this option is disabled by default. You can connect it yourself, and it will cost up to 100 rubles per month.

Another significant drawback is the rule that cards without a service fee are issued in the form of non-registered ones. That is, the details of the holder will not be indicated on the front side. If the product is issued for making purchases on the Internet, then certain difficulties may arise with such a card, since online stores accept payment only from personalized cards.

You also need to remember the degree of identification and security of the account. For its part, the bank uses all the tools to ensure that transactions are carried out safely, and funds are under reliable control. But for free cards, the set of such tools is minimal. Mandatory rule: the higher the annual service fee, the more convenient and reliable the use of the card.

Finally, currency debit cards (or multicurrency cards) are not issued free of charge. Anyone can order such a card, but you will have to pay for the annual service according to the tariff set by the issuing bank.

: It is recommended not to cancel basic services while using the card. The annual service fee includes not only additional services, but, first of all, convenience for the client. You can use the product without a mobile bank and without SMS informing, but it will no longer be as efficient and reliable as if such options were available.

Sberbank provides a wide range of banking services, but the issuance and maintenance of plastic cards is one of the most popular among customers. Of particular interest to many are Sberbank cards without service fees.

Sberbank debit card without annual service

In Sberbank, cards without annual service are provided as instant issuance cards and as part of social programs. So, a Momentum debit card can be obtained free of charge using only one passport within 10-15 minutes. The card supports all the main features, as well as additional services, providing quick and easy access to your funds.

Features of the Momentum card

A debit card of Sberbank without annual service is issued for 3 years to anyone upon reaching 14 years of age.

Card features:

• support for remote service via Mobile Bank and Sberbank Online/mobile application, as well as self-service via terminals/ATMs;
• setting up automatic transfers / auto payments;
• participation in the Thank you from Sberbank program;
• activation of the Piggy Bank service;
• participation in promotional offers from Visa, MasterCard - it is in these PSs that the card is issued.

Thus, Sberbank instant cards with free maintenance are quite attractive and are not inferior in functionality to other alternative products. However, there are some differences. They relate to the basic conditions of the cards.

Terms of Service

Sberbank debit card without annual service Momentum has:

• low cash withdrawal limits - up to 50,000/day and 100,000/month;
• lower limit for intrabank transfer by card number - up to 101 thousand / day;
• you cannot pay for goods/services worth more than 100 thousand/day.

The values ​​are given in rubles for an example, although this debit card without annual service can also be opened in US dollars and euros.

Available commissions:

• for cash withdrawals in excess of the daily limit - 0.5%;
• cash withdrawal through subsidiaries or another territorial bank - 0.75%, through other financial institutions - 1% (min. 150 rubles or 5 euros / dollars);
• for the Mobile Bank service with a full package payment - 60 rubles / month;
• account statement through an ATM - 15 rubles.

The card is suitable for ordinary (not pretentious) customers who want to receive a financial management tool in a card format. This is an unnamed plastic, tied only to the owner's mobile number - in terms of security it is slightly lower than analogues, but in terms of functionality it is in no way inferior to them.

If the turnover on the account is small, the holder will not even notice the existing shortcomings of plastic, including reduced limits. Clients with high incomes usually choose the nominal status option Gold or Platinum.

Momentum with free service is not suitable for receiving a salary, as well as for use abroad if the card does not have a chip (old sample).

Pension card with free service

Another option for obtaining a card without annual service at Sberbank is pension cards. This is a budget product that has attractive preferential terms and supports all the functions of banking plastic.

Previously, an alternative to such a card was the Active Age social MasterCard with free service - now it is not issued, but some still have it, they use it, so we cannot but mention it.

Using the card

But let's get back to the MIR card currently issued to pensioners.

The card supports all the functionality of a standard debit plastic, as well as:

• provides contactless payment;
• allows you to remotely manage funds in Sberbank Online, mobile application and mobile banking;
• makes it possible to connect auto payments for cellular communications, housing and communal services, etc .;
• allows you to pay for purchases on the Internet in the territory of the Russian Federation.

Sberbank pension cards without service fees also participate in the Thank You program, and there are 3.5% on the account balance.

Tariffs and limits

Sberbank credit cards without service charge

Some are also issued Sberbank credit cards with free service. These are the ones most often received by existing customers of Sberbank under a pre-approved offer.

Conclusion

Sberbank cards without a service fee are not inferior in functionality to conventional plastic, and in the case of pension cards, they also offer preferential terms and the opportunity to receive 3.5% on the balance of money. The disadvantages include lower limits, and sometimes higher fees.

Many potential and existing customers are interested in whether Sberbank cards exist without a service fee. The bank's offers for plastic cards are quite diverse. The presence or absence of an annual payment depends on various factors. Let us consider in more detail which cards can be issued and used for free in this bank.

Sberbank plastic cards

Sberbank is a large financial institution with many branches in different regions of the Russian Federation and abroad. He enjoys the well-deserved trust of customers, offers them a variety of banking products, quite favorable conditions for their use.

Therefore, any issue related to the activities of this bank will be interesting and relevant for both existing and potential customers. Are Sberbank cards issued without annual service? Yes, such offers exist. Learn more about which cards to choose to save on payments.

Card maintenance fee

It is always important for plastic card holders to know what expenses are expected when using bank cards. The following types of payment should be attributed to regular expenses:

• for annual maintenance: the higher the status of plastic, the more expensive it is for its owner. But at the same time, there are options in which even status cards of the GOLD and Premium categories can be serviced free of charge;
• for various services: each bank sets a subscription fee for services such as SMS informing, Mobile and Internet banking, etc. There are cards for which some services are provided without a monthly fee;
• transactions: most banks provide commission-free withdrawals from their own ATMs within the daily limit. Transactions using third party ATMs and any credit card withdrawals are subject to a fee.
• transfers: for credit cards, this possibility is often not provided, it is possible to transfer money from debit cards. Without a commission, this service is usually provided between cards of one bank, in other cases a commission is usually charged.

These are the main costs that plastic owners face. Consider which Sberbank cards without annual maintenance can be issued.

What determines the annual fee

Typically, the amount of annual payment for the use of plastic depends on the following factors:

Sberbank cards without service fees are issued in different versions. We will learn about all the bank's offers on cards without paying for their use.

It should be noted that the bank does not charge a fee for the issue. An exception is the individual design of plastic, which is ordered by the future owner.

Free Offers

If a client needs a Sberbank card without annual service, then he can use one of the currently valid offers:

• Debit: in this category, you can apply for a pension MIR or an instant Visa.
• Salary: cards of different categories for salary projects can be issued in rubles, dollars or euros. In this case, there is usually no fee for use, unless the terms of the payroll service agreement provide for another option;
• Credit Cards: Gold Visa and MasterCard and instant issue cards are free of charge. As part of the special offer, the following credit cards can be issued: Classic and cards of various categories with a charitable element Give life.
• As part of the Sberbank Premier service package: its connection makes it possible to receive up to 5 types of plastic without a fee for use. The cost of the service package itself is 2.5 thousand rubles. monthly. But for clients who have bank accounts and deposits (money on the card account is also taken into account) for a total amount of at least 2.5 million rubles, this package of services is provided free of charge.

Conclusion

This is a complete list of Sberbank cards without service fees. Potential and existing customers can choose which plastic suits them best and apply to the inpatient department or online for their release.

Debit cards without annual service allow you not to spend extra money on monthly payments. Many of these offers include additional benefits in the form of increased cashback or interest on the balance.

Consider the best offers from the largest banks in Russia, taking into account the presence of additional benefits.

Free service - myth or reality?

Bank cards without annual maintenance are a very real product, the offers of which can be found in many banks.

When choosing such a card, it is important to carefully study the conditions for its provision.

Various bonus programs are gaining popularity, for example:

• cashback, that is, the return of a part of the cost of purchases paid by bank transfer. More often accruals are made in the range of 0.5-3%, for shares the return reaches 10-40%. Such bonuses will only be accepted by companies friendly to the issuing bank. An exception is if it is possible to exchange cashback for rubles;
• discounts from bank partners;
• privileges from the payment system. They are most often available to premium card holders, whose service is very expensive.

Free service period

Sometimes banks offer cards on a free service basis during the first year of use. The second year of ownership will be paid.

A number of owners after 11-11.5 months of using the product simply close the account and open a new one. The main disadvantages of such a scheme:

• the release of a new form is possible only after a while;
• bank details will change, that is, for example, updated data will be required for the correct transfer of a pension or salary. Prior to their clarification on a new card, you need to warn the FIU or the employer about the need to suspend payments.

We carefully study the conditions

No commission for maintaining a debit card account is possible in the following cases:

• a certain minimum turnover of funds on the card account is provided;
• a certain amount of minimum balance on the card is maintained;
• the client is an important contributor;
• there is a credit card, the terms of use of which provide for the issuance of a debit card;
• benefits are provided, for example, as a pensioner, incapacitated, and so on;
• maintenance costs are covered by the employer under the salary project contract.

Most often, when owning a debit card with gratuitous service, they face such problems:

• paid issue of a card form;
• No account maintenance fee is withheld for just the first year of ownership;
• increased fees for transactions;
• serious restrictions on the volume of operations performed, on the execution of a number of transactions, and so on.

Sberbank debit card with free service

In Sberbank, without a commission fee for account maintenance, they offer:

• "Pension card" MIR;
• "Digital card" VISA;
• "Instant card" VISA, MasterCard, MIR.

All cards can be connected to the Thank You! bonus program, which guarantees a cashback from the bank in the amount of 0,5% for shopping and up to 20% from partners.

Sberbank is a wide network of offices and ATMs, developed remote services: Mobile Banking, Sberbank Online, mobile application. But a card of the same type can be provided to 1 client only in 1 copy.

"Pension card"

The MIR "pension card" is provided only to those who are entitled to social benefits from the Pension Fund of the Russian Federation and from law enforcement agencies.

• the account balance provides for a profit at the level 3,5% ;
• allowed to withdraw monthly up to 500 000 rubles;
• cashing out up to 50 000 rubles at a Sberbank ATM for free. Larger amounts are subject to a fee of 0,5% with cash exceeding the mentioned limit;
• The first 2 months of using Internet notifications are sent free of charge. Then a full-fledged "Mobile Bank" will cost 30 rubles for 1 month. If you stay on the "Economy" option, then no fee will be charged;
• period of use of the form - 5 years.

• possession of only 1 such card is allowed;
• issuance of an additional card is not provided;
• not all Internet sites accept products of the MIR system;
• cannot be paid abroad.

"Digital Map"

A "digital card" VISA is issued instantly at Sberbank Online.

Its re-release is not possible. The map exists exclusively in electronic space.

• issued remotely and very quickly;
• a virtual card is ideal for payments on the Internet;
• with a turnover of more than 20,000 rubles per month, access to the Yandex.Plus service is provided, which provides extended access to Yandex resources;
• bonuses in the "ABC of taste";
• 15% discount in "LitRes";
• 50% discount for Okko and Amediateka.

• issue is allowed only if there is another debit Sberbank card;
• You can withdraw cash only from the cashier, but not from self-service machines.

"Instant card" is available as VISA, MasterCard or MIR.

• the account is issued in rubles, US dollars or euros;
• the card will be given at the Sberbank office immediately upon application;
• reissue is allowed;
• payment by phone is possible.

• additional card is not issued;
• daily limit for free cash withdrawal – 50 000 rubles, and from the amount exceeding this, they will withhold 0,5% ;
• monthly limit for free cash withdrawal – 100 000 rubles;
• the MIR card is limited in functionality - the currency is only the Russian ruble, payment by phone is not possible.

Tinkoff black card

Tinkoff Black is a development of Tinkoff Bank, it is a MasterCard of Platinum level.

Tinkoff offers a profitable cashback system:

• up to 30% from friendly companies;
• 5% for purchases related to 3 categories chosen by the cardholder;
• 1% for 100 rubles of other purchases.

Free use of Tinkoff Black without any turnover or balance requirements is provided only for a currency account.

The absence of a commission on a ruble account is allowed only if one of the requirements is met:

• on deposits there are savings in the amount of 50,000 rubles;
• a loan was issued, which was credited to the card account;
• on the card account, the minimum balance is at least 30,000 rubles.

If the above restrictions are not met, the Tinkoff Black holder pays for the month 99 rubles.

• the card will be delivered directly to your home in 1-2 days from the date of order;
• opens access to a special program from MasterCard;
• remote change of account currency into rubles, US dollars, euros;
• even if the requirements that grant the right to service without a commission are not met, the commission fee for a product of this level is quite moderate;
• Internet banking and a proprietary application are provided free of charge;
• monthly cashback is transferred to the card account, converting into the appropriate currency.

If you apply for a card before 12/31/2018, then the account balance (within 300,000 rubles) will be credited 10% per annum. The standard income is 6% .

• there are few branded ATMs, and cash withdrawals without commissions from partners are allowed if the amount exceeds 3 000 rubles;
• free replenishment of accounts through the devices of friendly organizations is allowed within 300 000 rubles ( 10 000 USD or EUR) per month. From amounts that exceed the specified ones, they will withhold 2% ;
• withdrawals from currency cards will cost 15 euros or US dollars, taking into account the currency of the account;
• money transfer from foreign currency accounts is not possible;
• when changing the account currency, conversion costs are inevitable;
• changing the priority categories of bonuses is possible only 1 once a 3 month.

Multicard VTB

VTB has developed a unique "Multicard", which the holder himself sets up according to his own needs and preferences. The bank gives the right to choose one of 7 categories where the maximum cashback is given. Payment system to choose from - VISA, MasterCard or MIR.

Free service is available subject to spending on the account in the amount of 5 000 rubles per month, otherwise "Multicard" will cost 249 rubles per month.

• the category can be changed once a month either through the bank's call center specialists or on its website;
• Cash back option involves accrual 2,5% cashback for all purchases;
• interest will be charged on the balance of the account, the amount of which is determined based on the amount of expenses;
• the account is issued in rubles, US dollars, euros;
• will be released before 5 additional cards;
• if a loan is issued at VTB, then if there is a loan on the account from 300 000 rubles or on turnover from 75 000 rubles per month, you can count on a discount on the cost of the loan;
• receiving cash in self-service devices of other financial and credit organizations, as well as online transfers in favor of their clients are free.

• when changing the category, the benefits received for the previous months are lost - the accrual of bonuses starts from the beginning;
• maximum cashback - to 10%- provided only in the directions "Auto" and "Restaurants";
• monthly limit when accruing bonuses - 3 000 rubles.

Priority card from CitiBank

Priority in CitiBank is issued in the following versions:

• World Mastercard;
• Citi Priority World;
• Mastercard Black Edition.

• allowed to provide up to 2 additional cards;
• an account is created in one of 10 currencies, including British pounds sterling, Swiss francs, Japanese yen, Singaporean and Australian dollars;
• if there is a Priority, you can count on receiving income from savings up to 7%;
• free travel insurance;
• 2-4 monthly visits to business lounges at airports come as a gift.

• free service is subject to availability from 80 000 rubles monthly or with a balance from 300 000 rubles (taking into account the type of card). Otherwise, pay 250 rubles per month for World Mastercard and 1 500 rubles for Citi Priority World and Mastercard Black Edition;
• transfers to customer accounts of other banks - 1% (from 150 to 1,500 rubles).

If you meet the conditions that give you the right to free service, cash withdrawals around the world are carried out at zero commission, however, there will still be conversion costs.

Accumulative card "Rosevrobank"

Rosevrobank has completed the merger with Sovcombank. Now it is a single financial institution that offers MasterCard Unembossed and MIR ID cards under several tariff plans that assume interest income based on account balances.

• you can get it up to 7% income;
• card expiry date - 5-10 years.

• conversion is carried out at the rate of the Central Bank of the Russian Federation plus 1% ;
• according to the tariffs, the fee for receiving cash, even on the basis of the issuer, can be high ( up to 2.9%);
• service free of charge if the card is provided as an addition to a credit product or belongs to the MIR system.

Halva card from Sovcombank

Installment card "Halva" is offered in several versions:

• "Halva Halal";
• "AutoHalva";
• "Halva installment card";
• "Card Halva with individual design". The card will be delivered to the office for 2,000 rubles or to your home for 3,000 rubles. The fee is withheld only at the initial issue.

• contract is valid to 10 years;
• Grace period - 1-4 months, when buying from friends of the bank - up to 36 months;
• purchase from friendly organizations in installments without a down payment is allowed;
• credited to the balance of the account up to 7.5%;
• revolving credit limit - up to 350 000 rubles;
• many partner stores.

If a month to do from 5 purchases more than per 10,000 rubles, then the cashback will be 1-20% . More on 1% deposit rates will increase.

• providing cash at the expense of the credit limit is not possible;
• the product is available only if there is official employment with a labor contract at the last place of work of at least 4 months;
• Permanent registration valid for at least 4 months is required.

"Savings account" from "Post Bank"

In "Post Bank" you can use the "Savings Account" program. The card functions as a WORLD. There is a basic tariff, there are offers for participants in salary projects and pensioners. The latter are provided with more interest income on the balance.

• the amount of funds remaining on the account for more than 1 month is subject to income until 6% annual;
• the product is available from the age of 14;
• depositing cash without commissions is also possible in the self-service devices "Post Bank" and VTB, and in the "Post of Russia".

• free replenishment from accounts registered in other organizations is possible only for amounts from 3 000 rubles;
• without a commission, an unnamed form is issued. Named costs 700 rubles;
• VISA Platinum level product is available only to foreign citizens.

Card from "Alfa-bank"

Alfa-Bank has prepared an Alfa-card VISA or MasterCard. Free service is provided for all its variations:

• "Alpha card with benefits";
• "Alpha Map Premium".

• cashback up to 2% for all kinds of purchases;
• residual income - until 6% on an annualized basis;
• monthly limit on the amount of cashback - up to 21 000;
• cash can be withdrawn at any ATMs for all programs, except for Alfa-card, without any fee. According to the budget version of the contract, the service is free only in the issuer's devices.

1. cashback and income on the balance on the "Alpha Card" are absent;
2. the absence of a commission on the "Alfa-card Premium" is assumed only if one of the following conditions is met:

• monthly receipt to the account from 250,000 rubles;
• the minimum allowable balance is from 3,000,000 rubles;
• balance from 1,500,000 rubles with expenses from 100,000 rubles.

If these requirements are not met, then "Alpha-card Premium" will cost 5 000 rubles per month.

Card "Cozy space" from "Rocketbank"

"Cozy space" from "Rocketbank" is MasterCard World.

• calculated on the balance 5,5% annual;
• interest income is calculated and paid monthly;
• delivery of "Cozy Space" around the city is a gift;
• cashback - 1% from any spending 10% when shopping at Favorite Places. Bonuses come in rocketrubles. 1 roquetrouble is equal to 1 ruble.

top-up free within 300 000 rubles. From amounts in excess of the specified withhold 1,5% (minimum 50 rubles);

receipt of money from accounts opened in other banks is free if the transaction amount exceeds 5 000 rubles. If the amount of income is lower, then commissions are paid - 1,5% (50 rubles minimum);

pay for a certificate or account statement 350 rubles.

Icard from "SKB-bank"

Icard "SKB-bank" is sold as MasterCard. The account will be opened in rubles, US dollars or euros.

• free cash withdrawal at ATMs of SKB-Bank, Gazprombank, MDM Bank, Binbank;
• Icard will be provided at the time of application;
• twice a month they are allowed to withdraw cash free of charge in the machines of third-party banks;
• transfers via QIWI are free;
• there is a possibility of delivery of Icard abroad. The service is worth 5 000 rubles;
• for the account balance until 6% per annum. Income is calculated monthly;
• cashback - up to 1%.

• if the account is in euros or in US dollars, then the balance will be credited 0,01% or 0,1% respectively;
• the cost of references and account statements - 350 rubles for 1 document.

Benefit card from Homecredit Bank

The VISA Benefit card is an excellent offer from Homecredit Bank.

• cashback from the allies of "HCF Bank" - to 10%;
• in "Entertainment" cashback is equal to 10% ;
• add to the remainder 10% ;
• 5 once in 1 month it is allowed to receive cash without commission in any self-service device around the world;
• "Favor" will be provided at the age of 14.

• ownership without commissions is allowed only with a monthly amount of expenses from 5 000 rubles or with a guarantee of a minimum balance in excess of 10 000 rubles. In other cases, the service is worth 99 rubles per month;
• transfer via Internet Banking to a third-party bank costs 10 rubles. If you make a transaction at the cash desk of "HCF Bank", then 1% .

Card from Touch Bank

Touch Bank offers a branded card that can work as a debit card as well as a credit card. Free service is provided only when the Limited tariff is connected.

• card can be connected up to 5 cards issued by other banks;
• cashback - 1% for any expenses 3% for expenses in categories determined by the client independently.

• free replenishment is possible only 5 once a month;
• can be withdrawn without paying commission 50 000 rubles. If you ignore the limit, they will withhold the commission;
• for 1 month cashback will be credited for a maximum of 1 000 points.

Bank card "Renaissance"

The debit MasterCard card from Renaissance Credit is a decent budget option with a good rate charged on the account balance.

• per month it is allowed to withdraw cash within 25 000 rubles at any ATM free of charge;
• cashback - 1-10% ;
• on the account balance within 499 999 rubles are charged 7,5% per annum. For amounts in excess of the specified - 6% annual;
• interest income is transferred monthly.

• free service is only available when maintaining the minimum balance of 30 000 rubles or with monthly expenses from 5 000 rubles;
• for 1 month from accounts opened in other banks, without commission, receive transfers in the amount of up to 50 000 rubles.

Card "Bank in your pocket Standard" from "Russian Standard"

The "Bank in your pocket" card from "Russian Standard" is a product of MasterCard. Available in 3 levels:

• "Standard";
• "Golden";
• "Platinum".

• have the opportunity to receive up to 15% cashback;
• count for the remainder up to 5% annual;
• there is a "Discount Club" that provides discounts up to 30%;
• transfer to card accounts of foreign issuers – 2% .

• the first month of use, for example, for the "Standard" at the rate of TP C2 costs 99 rubles. Subsequently, if you keep a minimum balance of 30 000 rubles, use is free;
• take cash in the machines of third-party companies - 2% (from 100 rubles).

"Smart card" of the bank "Opening"

VISA bank "Opening" allows you to receive both cashback and interest income.

• cashback - to 10% for certain categories (offer valid in December 2018 only). Cashback for any purchases is 1,5% ;
• residual income reaches 5% ;
• if you fulfill the condition of free maintenance, you can rent up to 50 000 rubles in any ATM devices without commission. If the requirement is not met, then for the provision of cash in an amount exceeding 5 000,01 ruble, in self-service devices, including those of Otkritie Bank and its partners, pay 1.5% (minimum 250 rubles).

• service without payment is available only when the minimum balance or turnover exceeds 30 000 rubles. If the specified minimum is not reached, then monthly pay 299 rubles;
• 1 copy of the check at the request of the cardholder costs 15 US dollars.

"Map No. 1" "Eastern Bank"

"Card No. 1" from "Eastern Bank" is a product of the VISA system.

• give income for the remainder up to 7% annual;
• cashback from partners when shopping in online stores - up to 40%, for non-cash payment - up to 5%;
• you can issue an additional card for free, including "Children's card No. 1".

• issue of the main card is paid - 150 rubles for VISA Instant Issue and 700 rubles for VISA Rewards Classic;
• card service fee is not charged only when its balance has not exceeded 0 rubles, or was at the level of 30 000 rubles.

"Your cashback" from Promsvyazbank

"Your cashback" from Promsvyazbank is Mastercard World or MIR Advanced.

• availability of cashback at the level 5% for consumption in certain categories and 1% for any purchases;
• residual income - 5% , but it is credited in cashback points, which should then be converted into rubles;
• expiration date of the form 4 of the year;
• Promsvyazbank partners provide discounts up to 20%.

• it is allowed to receive either cashback or income on the balance;
• free service is carried out at expenses from 20 000 rubles. Otherwise you have to pay 149 rubles for 1 month.

Card "Maximum income" from "Loco-bank"

Loko-bank draws up a card. It is issued as VISA Platinum or MasterCard Platinum.

• residual income is up to 8.5% per annum ( up to 1.5% on foreign currency accounts);
• cashback - 0,5% and up to 5% on shares of the bank and its partners;
• emission is allowed up to 3 additional cards.

• free service is available only if such requirements are met at the same time - the minimum balance is equal to 40 000 rubles ( $700 or 600 euros), and the monthly turnover reaches at least the indicated amounts. Otherwise, the fee will be 490 rubles per month $8 or 7 Euro);
• the penalty for the occurrence of technical debt is 10% from the sum.

VISA Gold card from Home Credit Bank

VISA Gold from "Home Credit Bank" is a currency card, the account of which is opened in US dollars.

• credited to the balance of the account 0,5% per annum. Recalculation is carried out daily;
• transfers to the accounts of clients of "Home Credit Bank" and other banks in the personal account are free;
• cashback from the issuer's friends - up to 20%;
• The card is issued from the age of 14.

• emission costs $25 ;
• expiration date of the form 2 of the year.

VISA Classic Instant Issue card from Rosbank

In Rosbank, the VISA Classic level card is "My Style", for which you can order an individual design.

• connect to the card up to 3 accounts, including those in euros and US dollars;
• Interest is charged on the balance 4% per annum on a ruble account and 0,15% and 0,1% in dollars and euros, respectively;
• you can issue additional cards to other people linked to the accounts of the main card.

Minus: free service is provided if there are more than 100 000 rubles or, if the monthly expense amounted to 15 000 rubles. If these requirements are not met, the bank takes monthly 199 rubles commission for account maintenance.

Summary

Let's summarize the review. Banks offer a choice of quite a few options, which one is more profitable to stay, depends on the preferences of the client.

Debit cards with cashback and free service

Debit cards that do not involve service fees, but provide for cashback, such as:

1. MIR pension card (Sberbank);
2. Digital VISA card (Sberbank);
3. Instant cards VISA, MasterCard, MIR (Sberbank);
4. Tinkoff Black ("Tinkoff");
5. "Alfa-card with benefits" and "Alpha-card Premium" ("Alfa-bank");
6. "Cozy Space" ("Rocketbank");
7. Icard ("SKB-bank");
8. "Bank in your pocket" ("Russian Standard");
9. "Smart card" (Bank "Opening");
10. "Map No. 1" ("Eastern Bank");
11. "Your cashback" ("Promsvyazbank");
12. "Maximum income" ("Loko-bank");
13. VISA Gold ("Home Credit Bank").

Cards with free service without additional conditions

These cards include:

1. "Instant card" - Sberbank;
2. "Savings account" - "Post Bank";
3. "Alfa-card" - "Alfa-bank";
4. "Cozy space" - "Rocketbank";
5. VISA Gold - Home Credit Bank.

Currency cards with free service

Cards whose accounts are opened in foreign currency, but there is no service fee, are offered by the following banks:

1. "Tinkoff" - Tinkoff Black;
2. VTB - "Multicard";
3. CitiBank-Priority;
4. "SKB-Bank" - Icard";
5. "Loko-bank" - "Maximum income";
6. "Home Credit Bank" - VISA Gold;
7. "Rosbank" - "My style".

Installment cards without annual maintenance

The installment debit card, for which there is no annual service fee, is Halva from Sovcombank.

List of cards with fees from the second year

Today, financial institutions do not issue debit cards, the fees for which start from the second year of ownership. More often, the conditions that allow using such an instrument for free include the minimum volume of transactions per calendar month and the minimum balance.

Best Free Service Cards

Best Free Debit Cards:

1. "Multicard" from VTB as a budget product, which is reconfigured according to the preferences of the client and results in the greatest income;
2. "Benefit" from "Homecredit" - good for those who prefer to pay by bank transfer, but want to make a profit;
3. Priority from CitiBank for VIP-clients who are able to provide a sufficiently high level of receipts and turnover on the card, who are active travelers;
4. "Bank in your pocket Standard" from "Russian Standard" for those who often make transfers abroad;
5. "Halva" from "Sovcombank" as a card that allows you to purchase goods in installments up to several months. It is ideal for young people.

Sberbank debit cards. Types, cost of service, limits and features of debit cards in Sberbank of Mastercard, Visa and Mir payment systems in 2019.

Sberbank of Russia in 2019 offers debit cards of Visa, MasterCard and MIR payment systems. Depending on the needs, customers can choose classic, gold or platinum debit cards from Sberbank. The line includes mile cards for travelers, charitable cards, as well as free debit cards for pensioners.

Sberbank debit cards: cash withdrawal limits

A debit card limit is a restriction on cash withdrawals from Sberbank at an ATM or through a cash desk. Sberbank has set various cash withdrawal limits for different types of debit cards. There are limits on cash withdrawals per day and per month.

Cash withdrawal limit from Sberbank debit cards per day

Cash withdrawal limits from Sberbank debit cards per month

The fee for issuing cash in excess of the daily limit through the cash desks of Sberbank is 0.5% of the amount exceeding the limit.

Unauthorized overdraft fee: 40% per annum

Sberbank cards: service cost 2019

The cost of servicing Sberbank debit cards differs for different products. Platinum cards have the highest annual maintenance fee, while classic cards have the lowest.

Sberbank debit cards: types and features

Types, limits, service costs and features of debit cards in Sberbank of MasterCard, Visa and MIR payment systems for 2019.

Free debit cards of Sberbank

Sberbank debit cards are also issued without annual service, for example, special ones for pensioners or for clients of the Sberbank Premier package.

Instant issuance cards "Momentum"

Sberbank cards without annual service

Free instant Sberbank cards, which can be obtained at any bank branch in 10 minutes. You can pay not only in stores, but also online and abroad. To get it, it is enough to be over 14 years old, as well as have a permanent or temporary registration in Russia.

Terms of use

Payment system: Visa, MasterCard;

Card validity period: 3 years;

Issuance of additional cards: no;

Contactless payment: no;

Cash withdrawal limit:

- per month: 100,000 rubles. / USD 3,000 / EUR 2,500;

— per day: 50,000 rubles. / USD 1,600 / EUR 1,200;

Retirement card of Sberbank MasterCard / MIR

Free Sberbank cards for pensioners

These Sberbank debit cards are designed to receive pensions and new opportunities for the active life of older people. The owner of this card gets access to many discounts and bonuses THANK YOU. In addition, this Sberbank card with interest on the balance.

Terms of use

Payment system: MasterCard, MIR;

Card account currency: rubles;

Card validity: 3 years

Contactless payment: no;

Service cost: free;

Preferential mobile bank: the first 2 calendar months are free, then 30 rubles per month;

Interest on the account balance: 3.5% per annum on the card balance;

Cash withdrawal limit:

— per month: 500,000 rubles

— per day: 50,000 rubles

Bonus value: 0.5% bonuses from each purchase.

Classic cards Visa Classic / MasterCard Standard / MIR

Sberbank debit cards with cashback

Classic Sberbank cards are a whole range of services and a low annual cost of maintenance. Citizens over the age of 14 for the main card and over 7 years for additional cards (for MIR cards over the age of 14) who are registered in Russia can receive them.

Terms of use

Payment system: Visa, MasterCard, MIR;

(for MIR cards only rubles);

Card validity period: 3 years;

Maintenance cost: 750 rubles per year (for MIR cards in the first year 750 rubles, in subsequent years 450 rubles);

Cash withdrawal limit:

- per month: 1,500,000 rubles. / 50,000 US dollars / 37,500 euros (for MIR cards 1,500,000 rubles);

- per day: 150,000 rubles. / 6,000 US dollars / 4,500 euros (for MIR cards 150,000 rubles);

Registration of additional cards: yes (for MIR cards - no);

Contactless payment: yes;

Bonus program "Thank you from Sberbank": yes;

Bonus value: 0.5% bonuses from each purchase.

The cost of individual design: 500 rubles

Gold cards Visa Gold / MasterCard Gold / MIR

Privileged debit cards of Sberbank

Privileged debit cards of Sberbank are a high level of service, an expanded range of services, as well as advantageous offers and discounts. Citizens over the age of 18 for the main card and over 7 years for additional cards who are registered in Russia can receive them.

Terms of use

Payment system: Visa, MasterCard, MIR

Card account currency: rubles, US dollars, euros (MIR - rubles)

Card validity period: 3 years (MIR - 5 years)

Service cost: 3,000 rubles / 100 US dollars / 100 euros

Cash withdrawal limit:

Contactless payment: yes

Bonus program "Thank you from Sberbank": yes

The amount of bonuses: 0.5% bonuses from each purchase, up to 20% with program partners.

Visa Platinum Debit Card: Big Bonus Card

Sberbank card with cashback up to 10%

The Visa Platinum debit card is called the “Big Bonus Card” for a reason.

Its use allows you to return up to 10% of the cost of purchases with "THANK YOU from Sberbank" bonuses, which, in essence, is a cashback.

Terms of use

Payment system: Visa;

Card account currency: rubles, US dollars, euros;

Card validity period: 3 years;

Service cost: 4,900 rubles / 100 US dollars / 100 euros;

Cash withdrawal limit:

Contactless payment: yes;

Bonus program "Thank you from Sberbank": yes;

Bonus amount:

— 10% THANK YOU bonuses when paying at gas stations, Gett and Yandex.Taxi;

— 5% when paying in cafes and restaurants;

— 1.5% when paying in supermarkets;

- 0.5% for all other purchases.

Youth cards Visa and MasterCard

Especially for young clients under 25, Sberbank offers a debit card with which you can buy more: up to 10% of the purchase amount is "returned" to the account in the form of SPASIBO bonuses.

They can be spent on new purchases.

Terms of use

Payment system: Visa and MasterCard

Card account currency: rubles

Card validity: 3 years

Maintenance cost: 150 rubles

Cash withdrawal limit:

— per month: 1,500,000 rubles

— per day: 150,000 rubles

Bonus program "Thank you from Sberbank": yes

Bonus value: 0.5% bonuses from each purchase.

Contactless payment: no.

Individual design: 500 rubles upon registration.

Mile cards of Sberbank for travelers

Sberbank miles cards can be convenient for those who fly on airplanes. Pay by card and get miles to your account in the Aeroflot Bonus program miles for every 60 rubles spent from the card. / 1$ / 1€.

Redeem miles for flights with Aeroflot and SkyTeam alliance flights, upgrade your class of service and buy goods and services of program partners.

Aeroflot Visa Classic cards

Sberbank debit card for travelers

A classic bank card that allows you to earn and exchange accumulated Aeroflot Bonus miles for an award ticket from Aeroflot or SkyTeam alliance airlines. Can be issued in US dollars and Euros.

Terms of use

Bonuses: 1 mile for every 60 rubles spent from the card. / 1 dollar / 1 euro.

Payment system: Visa

Card account currency: rubles / US dollars / euro

Issuance of additional cards: yes

Contactless payment: no

Card validity period: 3 years

Maintenance cost: 900 rubles / 35 dollars / 35 euros per year

Cash withdrawal limit:

- per month: 1,500,000 rubles. / USD 50,000 / EUR 37,500

- per day: 150,000 rubles. / USD 6,000 / EUR 4,500

Bonus program "Thank you from Sberbank: no

Aeroflot Visa Gold cards

Sberbank Gold Debit Card for Travelers

A golden bank card that makes it possible to earn and exchange accumulated Aeroflot Bonus miles for an award ticket of Aeroflot or SkyTeam alliance airlines. Discounts and privileges from Visa payment system.

Terms of use

Bonuses: 1.5 miles for every 60 rubles spent from the card. / 1 dollar / 1 euro.

Payment system: Visa

Card account currency: rubles, US dollars, euros

Card validity: 3 years

Contactless payment: yes

Maintenance cost: 3500 rubles / 120 dollars / 120 euros per year

Cash withdrawal limit:

- per month: 3 million rubles. / 100,000 USD / 75,000 EUR

- per day: 300,000 rubles. / 12,000 USD / 9,000 EUR

Commission for issuing cash in excess of the daily limit through the Bank's cash desks: 0.5% of the amount exceeding the limit

Bonus program "Thank you from Sberbank": no

Aeroflot Visa Signature cards

Sberbank premium debit card for travelers

A premium bank card that makes it possible to accumulate and exchange accumulated Aeroflot Bonus miles for an award ticket of Aeroflot airline or SkyTeam alliance airlines.

Terms of use

Bonuses: 2 miles for every 60 rubles spent from the card. / 1 dollar / 1 euro.

Payment system: Visa;

Card account currency: rubles, US dollars, euros;

Card validity period: 3 years;

Contactless payment: yes;

Service cost: RUB 12,000 / USD 250 / EUR 250;

Cash withdrawal limit:

- per month: 5 million rubles. / USD 170,000 / EUR 125,000;

- per day: 500,000 rubles. / USD 12,500 / EUR 10,000;

Bonus program "Thank you from Sberbank": no.

Charity cards of Sberbank

From each Gift of Life card, Sberbank of Russia transfers a donation to the Gift of Life fund:

— at the expense of your income in the amount of 50% of the fee for the first year of servicing the card and 0.3% of the amount of your purchases

— at the expense of available funds on your card account in the amount of 0.3% of the amount of your purchases

Gift of Life cards Visa Classic

Charitable debit card of Sberbank

By paying with the “Give Life” card, you are helping children fight serious oncological diseases. To get it, it is enough to be over 14 years old, as well as have a permanent or temporary registration in Russia.

Terms of use

Payment system: Visa;

Card account currency: rubles;

Registration of additional cards: yes;

Validity of cards: 3 years;

Contactless payment: no;

Maintenance cost: 1000 rubles for 1 year / 450 rubles for each subsequent year;

Cash withdrawal limit:

- per month: 1,500,000 rubles.

- per day: 150,000 rubles.

Bonus program “Thank you from Sberbank: yes;

Bonus value: 0.5% bonuses from each purchase.

Gift of Life cards Visa Gold

Sberbank Gold Charity Debit Card

By paying with the “Give Life” card, you are helping children fight serious oncological diseases. To get it, it is enough to be over 18 years old, as well as to have a permanent or temporary registration in Russia.

Terms of use

Payment system: Visa;

Card account currency: rubles;

Card validity period: 3 years;

Contactless payment: no;

Maintenance cost: 4000 rubles for 1 year / 3000 rubles for each subsequent year;

Cash withdrawal limit:

- per month: 3 million rubles.

- per day: 300,000 rubles.

Bonus program "Thank you from Sberbank": yes;

Bonus value: 0.5% bonuses from each purchase.

Debit cards Visa Platinum "Podari Zhizn" PayWave

Sberbank Platinum Charitable Debit Card

By paying with the Gift of Life card, you help children fight serious illnesses.

You get all the benefits of Sberbank platinum cards, and also spend money on charity.

Terms of use

Payment system: Visa;

Card account currency: rubles;

Card validity period: 3 years;

Contactless payment: yes;

Service cost: For the first year of service: 15,000 rubles / for each subsequent 10,000 rubles;

Issue of additional cards: yes;

Overdraft limit setting: no;

Cash withdrawal limit:

- per month: 5 million rubles.

- per day: 500,000 rubles.

Commission for issuing cash in excess of the daily limit through the Bank's cash desks: 0.5% of the amount exceeding the limit;

Bonus program "Thank you from Sberbank": yes;

Bonus value: 0.5% bonuses from each purchase.

Transport Card

Card with transport application "Troika"

This Sberbank debit card is convenient for paying for travel on city public transport using contactless technology. Pay with Apple Pay and Samsung Pay. Get bonuses for card payments and exchange them for discounts.

Terms of use

Payment system: Visa;

Card account currency: rubles, US dollars, euros

Card validity: 5 years

Maintenance cost: in the first year - 900 rubles, in the second and subsequent years - 600 rubles.

Issuance of additional cards: yes

Issuance under a salary contract: yes

Availability of contactless technology on the card: yes

Cash withdrawal limit:

- per month: 1,500,000 rubles.

- per day: 150,000 rubles.

Bonus program “Thank you from Sberbank: yes.

How to get a Sberbank debit card

• - Contact any branch of Sberbank.
• - Show proof of identity.
• - Sign the required documents.

You can apply online for a card via the Internet. The application will be reviewed within two business days, after which you will be informed of the bank's decision.

Learn more about the types, terms of use, limits and features of Sberbank debit cards on the official website www.sberbank.ru or at bank branches.

The information is not a public offer.