Top 10 debit cards with interest on balance

Undoubtedly, the most popular banking product among the population can be safely called debit cards. They are designed for easy storage, transfer of funds and their use. A large number of such cards are needed to receive pensions, salaries, various benefits. Many people prefer not only to spend money from plastic, but also to accumulate it. It is much more convenient to do this on a debit card, rather than on a savings account in a bank. The second option has many restrictions (the amount of withdrawals, term, etc.). The most advanced banks give their customers a unique opportunity - to receive interest on the balance of the account. It takes place monthly and is calculated on the basis of the annual interest rate. We figured out how to choose the most profitable debit card from a variety of offers:

1. Interest rate for the remainder. Of course, this is the main criterion when choosing in this case. The maximum interest rate is 8. It is far from all banks to issue such a profitable card.
2. Add. bonuses. Any modern debit card has interesting conditions. For example, a customer often receives a cashback for purchases, participates in bonus programs, pays at a discount in the partner shops of the bank and much more. The more similar conditions, the more profitable to use the card.
3. Annual maintenance - This is a payment for using the card. As a rule, this amount varies between 300-1500 rubles. depending on the bank. Although some of them do not charge a fee for annual maintenance under specific conditions.
4. Account management. A modern client needs simple and clear management of his account, as well as mobile access to it. To do this, you need a special application on your smartphone, where you can keep track of your expenses and income, pay for services, perform transfers, etc.

We ranked the best debit cards with a percentage on the balance. The following factors were taken into account during the selection:

• customer reviews;
• the amount of interest on the balance;
• terms of registration and maintenance;
• Convenience in account management.

Top 10 best debit cards with a percentage of the balance

10 Rocketbank - "Cozy space"

Rocketbank is a modern innovative product from such large banks as Otkritie and Kivi Bank. It includes several weekend offers for different cards. For the holders of "Cozy Cosmos" special conditions for cashback and interest on the balance.

This card is issued within 2-3 days and delivered to the client directly to the house. Its design takes place online. For the opening, as well as service, the commission is not charged. The account balance is charged 4.5% per annum. At the same time, 1% of the amount spent will always be returned to the bonus account in the form of rock pipes, with which you can later pay for purchases.Transfers are charged at a rate of 1.5% of the amount (if a one-time customer transfers more than 5,000 rubles, there is no commission). Replenishment through the ATMs "Discovery" is free, with other options - 0.5% of the amount. When you install the mobile application, you receive push-notifications about all completed transactions. The following conditions apply for cash withdrawals: the first 5 are free of charge, subsequent ones with a commission of 1.5%.

Pros: transparent conditions for obtaining% of the balance, fixed income, bonuses and cashbacks, convenient online banking, delivery on hand, free opening and maintenance. Cons: not favorable conditions for the completion and transfer of money.

9 VTB - Multicard

VTB Bank is considered one of the most stable and reliable banks. It has a wide network of branches and ATMs throughout the country. It provides a variety of services for small businesses, large enterprises and individuals. The population is invited to issue debit cards on interesting conditions.

"Multicard" from "VTB" allows customers to receive up to 6% per annum on the balance if certain conditions are met. It all depends on the monthly cost: at a cost of over 75,000 rubles. interest is charged to the maximum (6%), from 15 to 75 thousand - 2%, less than 15,000 - only 1%. In this case, the maximum amount of savings, which will act income - 300 thousand rubles. In 2017, this card was recognized better according to the version of the portal banki.ru in the nomination “Bank card of the year”. This is due to optimal conditions and excellent add. bonuses. For example, a customer gets up to 15% of cashback from purchases. Its size depends on the selected category (auto, restaurants, travel, etc.). The card is opened for free and serviced as well (when spending more than 5,000 rubles a month). On the same conditions, it is possible to transfer money to other accounts and withdraw cash at any ATM.

Pros: increased cashback for some categories, free maintenance, use and performance of various operations when the minimum amount of purchases per month is reached, the best feedback from holders. Cons: very low% on the balance with savings below 75,000 rubles.

8 Tinkoff Bank - Tinkoff Black

The first online bank Tinkoff has significantly expanded the range of services offered over the past few years. Now clients can get a mortgage, order a credit or debit card, take a loan for a variety of needs, and more. Tinkoff cards are one of the most popular products. They are presented in a wide range and have different conditions.

The Tinkoff Black debit card provides interest on the balance if it contains between 3,000 and 300,000 rubles (and more than 3,000 rubles are spent per month). To calculate payments, average values ​​for each day of the month are used. The main difference of the bank - any product is easy to order online. This card is no exception. The courier will bring her home in a few days. In this issue will be completely free. For servicing the bank charges a fee of 99 rubles. monthly, but with a balance of more than 30 thousand rubles. the client uses it for free. Cash payments up to 5% are valid for online payments. An important feature is the withdrawal of amounts in excess of 3,000 rubles, free of charge at any ATM of any bank. Transfers can be made online, but they are charged 90 rubles. SMS notification is provided without a fee.

Pros: convenient Internet banking, optimal conditions, free SMS notification, large cashback for purchases, online registration, courier delivery. Cons: not profitable cash withdrawals (less than 3000 rubles).

7 Ural Bank of Reconstruction and Development - "Maximum Classic"

According to the Central Bank, the Ural Bank for Reconstruction and Development is among the top 30 largest banks in our country. Its offices are represented in many cities of Russia. Opened back in 1990.The range of products is very high, there are proposals for businesses and individuals.

The “Maximum Classic” card is an interesting offer among similar debit cards. At the beginning of the period charged 1400 rubles. for the service, and in the case of the commission of more than 120 thousand rubles. last year, the commission is compensated by the bank. The maximum percentage of the balance is valid when the turnover of funds exceeds 10,000 rubles. monthly and savings in the amount of 20 to 350 thousand rubles. Holders get excellent cashback conditions - for bonus categories returns up to 10% of the cost (among them: gas stations, fitness centers, air and train tickets). Cashback of 1% applies to all other purchases. Withdraw cash in your own ATM for free, and in others - 1% of the amount, but at least 120 rubles. The bank sets limits on cash withdrawals: 100,000 rubles. per day through an ATM or cashier. Application for receipt can be filled online at the site.

Pros: profitable cash withdrawal, a good percentage of the balance, return of purchases with bonuses, quick release, special categories with increased cashback. Cons: expensive service.

6 Home Credit Bank - "Benefit"

Home Credit is a commercial bank that has opened more than 6,000 branches and ATMs throughout Russia. Its main office is in the capital. Founded in 1990. You can make deposits, get a loan, order a credit or debit card issue and much more.

One of the most popular products of the bank is the “Benefit” debit card. According to it, the client receives an additional income of up to 7% per annum on the balance of the account. Payment scheme is as follows: 3% with the amount of savings above 300 thousand rubles, 5% for the amount up to 300000 rubles. and there are less than 5 purchases per month, 7% for the same amount, but for more than 5 transactions per month. There is no charge for using the card if the amount of expenses of 5000 rubles is exceeded. and with a balance of more than 10,000 rubles. "Benefit" is a high-tech product, because supports popular features: payWave, Apple Pay, Samsung Pay, etc. Holders return up to 10% when buying from partners, 3% in entertainment establishments and 1% in any case. This allows you to accumulate bonuses and continue to use them. Cash withdrawals at own ATMs are free of charge, in other cases it is 100 rubles. (except for the first 5 operations - they are free).

Pros: interesting conditions for cashback, the first month of use is always free, your application for a smartphone, good feedback from the holders. Cons: paid service in case of non-compliance with the conditions.

5 Renaissance Credit - MasterCard

Renaissance Credit is a large commercial bank with offices throughout Russia. His main specialization is consumer loans. But among the bank's offers you can meet several debit cards, which have a fairly high percentage of the balance.

The debit card of the MasterCard payment system from Renaissance Credit is provided on very favorable terms. With a monthly account balance of up to 500 thousand rubles, the client receives an annual income of up to 7.25%, with an amount above this amount - 6%. Its service costs only 59 rubles, and if certain bank requirements are met (spending more than 5,000 rubles and the balance is not less than 30,000 rubles), it is absolutely free. It is convenient to issue a card through an online application, after which you must come to the office to receive it. Usually its release takes 1-2 days. It costs only 99 rubles. A special bonus program will help save on purchases and return up to 100% of their value in the form of bonuses, which are then converted into rubles. The fee for the SMS alert service will be 50 rubles per month. An important feature of the card is the withdrawal of no more than 25,000 rubles. per month is carried out without commission at all ATMs.

Pros: the most profitable cash withdrawal, a good return on savings, fast processing, an interesting bonus program, many replenishment options.

4 Eastern Bank - "Map №1"

Vostochny Bank has a main focus in the field of retail lending. It provides a large selection of services for the public. Branches can be found throughout the country, especially in Siberia and the Far East. Among the bank offers there are debit cards with favorable conditions for the account balance.

"Card №1" has transparent conditions of use, namely: 7% of the balance to any client during storage of not more than 500 thousand rubles. and 2% on amounts above. At the same time, for pensioners who receive a pension on this card, there is a higher annual rate (more than 0.5%). Service "Card number 1" is completely free, for the issue will have to pay from 150 to 700 rubles. depending on the selected payment system. Additional services include SMS informing, cashback service (up to 1.5% from every purchase, and up to 5% in summer in restaurants, cafes, etc.). If desired, the client can issue an additional card. For the convenience of parents, the bank offers a children's card issue (for persons from 6 to 14 years old) with free service. Specially designed mobile service allows you to quickly perform any account transactions from anywhere. Cash withdrawals at their ATMs are free of charge, in other 2% of the amount (if more than 3,000 rubles, it's free).

Pros: interesting conditions for retirees, good income, free service, mobile bank, registration of a children's card, favorable cashback.

3 Alfa-Bank - MasterCard Platinum

The famous "Alfa-Bank" was founded over 25 years ago. It is the largest non-state bank in the country in terms of assets. It offers a huge range of different services. For individuals, there are many lucrative offers for both lending and card issuance.

By issuing a debit MasterCard Platinum and connecting the “Maximum +” tariff to it, you can receive income of up to 8% per annum on the account balance. At the same time, the bank allows its customers to use 5 currencies to choose from (but% is valid only for rubles). This offer is relevant for holders of large amounts. If you have more than 10 million rubles on your account, then the first two months you will receive 5.5%, from the third to the fifth - 6.5%, from the sixth - to 7%, and one year after starting to use the card - eight%. Anyone who has less than 100 thousand rubles., 0.01% charged on the balance. A great bonus is the ability to order a card on the site and get it by courier. Another feature is that each client has a personal manager who will help to book a ticket, book a transfer and get insurance. Operators can also help with money transfers, opening an account. Management takes place through the most convenient mobile bank.

Pros: a large% of the balance on large sums, personal assistant, courier card delivery, excellent Internet banking, conversion at a favorable rate. Cons: disadvantageous savings of small amounts.

2 Opening - "Smart Card"

Otkritie Bank occupies one of the leading positions among the largest Russian banks. It provides services to legal entities and the public. A separate activity is the production of online maps. Among the offers of the bank there is also a debit card with a good income.

"Smart Card" has an incredibly profitable interest on the balance (maximum 8%). The conditions here are quite simple: if by the end of the period more than 500 thousand rubles are left on the card, then 4% per annum is charged, less than 500 thousand rubles. - 6%, up to 30000 - 8%. The card is more suitable for those who keep small amounts of cash. By the way, the service costs 299 rubles. per month, but at a cost of more than 30 thousand rubles., it becomes absolutely free. Percentages are calculated in a special way: the average of the balances of each day is taken, summed up and divided by the number of days. Card is issued for a period of 4 years. By the way, all purchases here are cashback of 1% (and in some cases up to 10%). There are restrictions on cash withdrawals. The maximum amount per month - 150,000 rubles. Registration is free for 1-3 days.The card can be ordered on the website with home delivery.

Pros: favorable interest on small amounts, free replacement after 2 years, issue without commission, good cashback, excellent reviews, mobile application. Minuses: restrictions on the limit, a small percentage of large amounts.

1 LokoBank - MasterCard Platinum

LokoBank is considered one of the most reliable banks in Russia according to customers. It provides a wide range of services for both individuals and legal entities. He invites his clients to issue debit cards with a very favorable interest on the balance.

The “Maximum Income” card allows you to receive up to 7.25% of your account balance. For this, it is necessary to fulfill a number of conditions: not to have more than 5 million rubles of savings and less than 60 thousand rubles. At the same time every month you need to spend more than 100,000 rubles. The card is ideal for those whose expenses and incomes are above average. The main feature of the product is completely free design and maintenance. However, it is worth noting that if one or several conditions are not met, each month you will have to pay 699 rubles. for use. “Maximum income” is issued for 3 years. The bank allows you to connect three additional copies. Another difference of the card is that any purchase earns a cashback of 0.5%. For convenience, the bank has developed a mobile application through which you can perform any operations, including account replenishment.

Pros: a high percentage of the balance, free registration, convenient management through the application, the ability to open additional cards, simple replenishment. Cons: a large monthly fee if conditions are not met.

Popular vote - which debit card with a percentage on the balance is the best?
We vote!

LokoBank - MasterCard Platinum

Opening - "Smart Card"

Alfa-Bank - MasterCard Platinum

Eastern Bank - "Map №1"

Tinkoff Bank - Tinkoff Black

VTB - Multicard

Renaissance Credit - MasterCard

Home Credit Bank - "Benefit"

Ural Bank for Reconstruction and Development - "Maximum Classic"

Rocketbank - "Cozy space"

Total voted: 18

Vote results