There are two types of income cards. Some of them involve receiving interest on the balance of funds. And the second is the calculation of cashback and (or) various bonuses.
And there are also cards that combine both options for generating income. Introducing you top 10 most profitable profitable Russian cards of 2018, according to experts of Banks.ru.
- The annual yield was calculated on the condition that there will be 100,000 rubles on the card account and 40,000 rubles of purchases per month will be made, minus the fee for the first year of card service.
- Experts considered both credit and debit options. Moreover, credit cards, which are among the top ten, offer a grace period for loans for purchases.
- Only those cards were compared whose bonus programs provide for the conversion of bonus points or miles into rubles at a 1: 1 exchange rate.
10. Halva
- Who issues: Sovcombank.
- Income: 12.3 thousand rubles a year.
This is an installment card, with a rate from zero to 10 percent and offering a grace period of up to 1080 days. The balance of funds is charged from 6.5% to 7.5% per annum.
The bonus program is valid until July 1, 2018. It provides for the accrual of points if the owner of Halva will make purchases in the partner stores of Sovcombank three times a month for a total amount of 10 thousand rubles. In this case, one of the purchases should cost at least 5 thousand rubles.
9. Traveler card
- Who issues: East Bank.
- Income: 12.6 thousand rubles a year.
Credit card with a rate of 24 to 78.9 percent and having a grace period of up to 56 days. The balance of accruals is very scarce - from 2% to 4% per annum, and the increased rate is valid for the balance of 10 to 499 thousand rubles. And the base rate is from 500 thousand rubles and higher.
The advantage of the “Traveler Card” is the accrual of bonus miles for paying with a card for services and goods. These miles can be converted into money within 90 days. And through the Internet bank to pay the full purchase price in one of three categories: "Hotel Reservation", "Airline Tickets" and "Car Rental". For purchases in these categories, 5% cashback is charged, in other categories it is 2%.
8. Evolution
- Who issues: AK Bars.
- Income: 13 thousand rubles a year.
The first, but not the last representative of the most profitable debit cards in Russia. Evolution offers cash back up to 1.25%, from 3 to 7 percent of accrual on the balance and bonus program, provided that goods and services are purchased from partners of Ak Bars Bank.
7. Growth map
- Who issues: Transcapitalbank.
- Income: 13.2 thousand rubles a year.
For this debit card, 6% is credited to the balance. And a month you can accumulate up to 2,000 bonus points that are awarded for payment of goods and services. With a new card, the user immediately receives a thousand points as a gift. The accumulated points can be spent on compensation for purchases (over 3 thousand rubles) made through the TKB-Express system.
A “growth map" can be either personalized or non-personalized. There is no service charge for the latter. Connecting to an online bank is also free.
6. Debit Platinum
- Who issues: Devon Credit.
- Income: 13.2 thousand rubles a year.
This card allows you to monthly receive cashback from 0.5 to 1.5%. The minimum cashback rate is applied for purchases of up to 20 thousand rubles per month. The maximum monthly cashback amount is 4 thousand rubles.
As for the calculation of interest on the balance of funds, the minimum rate is 1%, the maximum - 6%. The highest bid is valid if there are 300,000 rubles on the card.
5. Cumulative
- Who issues: Russian Mortgage Bank.
- Income: 13.9 thousand rubles a year.
Another debit card that returns interest on purchases (cashback). The most generous cashback (up to 4.5%) can be obtained by making purchases from partners of the Online Shopping program. Moreover, the maximum amount of purchases is not limited. A smaller cashback is from 1.5 to 3.5%, but no more than 5 thousand rubles a month can be obtained by paying with a card for any product or service.
The balance of funds is charged from 4% to 7% per annum. The maximum bid is valid under several conditions:
- starting from the second billing period;
- if there are at least ten thousand and no more than seven hundred thousand rubles in the account;
- if the user pays for goods, services, or replenishes the account in the billing period.
4. Lightning
- Who issues: OTP Bank.
- Income: 14 thousand rubles a year.
This is a credit card with a grace period of up to 55 days, and the bonus program has another advantage - free service.
The balance is charged from 0.1% to 6.5% per annum. An increased rate is applied if there are at least 5 thousand and no more than 200 thousand rubles on the card.
If in the first month from the day the card was issued, the user made a purchase of 2 thousand rubles at the expense of credit funds, he is entitled to 300 welcome bonuses. For non-cash purchases from 100 rubles, 1.5% of the amount is returned, and for purchases from partners of OTP Bank - 3% of the amount. In a month you can collect no more than 2 thousand bonuses.
3. Privilege Card
- Who issues: Kuznetsk.
- Income: 14.4 thousand rubles a year.
This card with a minimum of conditions opens the top 3 most profitable debit cards of Russian banks. Cashback is 2%, and has no restrictions on the amount of return. And the balance of funds in the account is charged 6% per annum. However, there is a fly in the ointment - you will have to pay 1,188 rubles for servicing the card.
2. Multicard (option “Collection” / “Travel”)
- Who issues: VTB.
- Income: 15.4 thousand rubles a year.
One of the most profitable bank debit cards in Russia has a cashback of 1% to 10%. In this case, the user can select the appropriate options that can be changed monthly.
There is also a bonus program, also with monthly changeable options. For example, when you connect the “Collection” option, bonuses will be counted for every 100 rubles for purchases in the amount of 5 thousand to 75 thousand rubles. And in the first month after the card is issued, 4% of bonuses will be accrued regardless of the purchase amount. Then, the accumulated bonuses can be spent on the purchase of necessary goods and services from partners of the bonus program.
There is also the option "Travel", with similar conditions for calculating bonuses. Then the accumulated miles can be exchanged for various services on the website travel.vtb24.ru.
The balance of funds is charged from 1% to 8.5% per annum, depending on the turnover of funds.
1. My bonus
- Who issues: Union.
- Income: 15.6 thousand rubles a year.
The list of the most profitable bank cards of 2018 is headed by a credit and debit card with a grace period of 115 days. Its maintenance is free provided that in the first year of the card’s validity the amount of cashless transactions on it amounted to 150 thousand rubles.
The balance of funds from 15 thousand to 49.9 thousand rubles is charged 4% per annum. With an amount of 50 thousand to 99.9 thousand rubles, 5% per annum is charged, and with an amount of more than 100 thousand rubles - 6% per annum.
The bonus program allows you to return up to 2% of points from all purchases and up to 8% from purchases made in the gas station and duty free categories. Starting June 1, 2018, categories may change. The maximum number of points awarded in one operation does not exceed 3000.
