There are two types of income cards. Some of them involve receiving interest on the balance of funds. And the second is the accrual of cashback and (or) various bonuses.
And there are also cards that combine both options for earning income. Introducing you top 10 most profitable profitable Russian cards of 2018, according to the experts of Banki.ru.
- The annual profitability was calculated on the condition that there will be 100,000 rubles on the card account, and purchases in the amount of 40,000 rubles will be made per month minus the fee for the first year of servicing the card.
- The experts considered both credit and debit options. Moreover, for credit cards included in the top ten, a grace period is offered for lending for purchases.
- We compared only those cards whose bonus programs provide for the conversion of bonus points or miles into rubles at a rate of 1: 1.
10. Halva
- Who issues: Sovcombank.
- Income: 12.3 thousand rubles per year.
This is an installment card with rates ranging from zero to 10 percent and offering a grace period of up to 1080 days. The balance 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 makes purchases in Sovcombank partner stores three times a month for a total amount of 10,000 rubles or more. Moreover, one of the purchases should cost at least 5 thousand rubles.
9. Traveler card
- Who issues: East Bank.
- Income: 12.6 thousand rubles per year.
A credit card with a rate of 24 to 78.9 percent and a grace period of up to 56 days. On the balance of funds, the accruals are very meager - from 2% to 4% per annum, and the increased rate is valid with a balance of 10 to 499 thousand rubles. And the base rate is from 500 thousand rubles and more.
The advantage of the "Traveler Card" is the accrual of bonus miles for payments made by the card for services and goods. These miles can be converted into cash within 90 days. And through the Internet bank, pay the full cost of the purchase in one of three categories: "Hotel reservation", "Air 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 a bonus program, subject to the purchase of goods and services from partners of "Ak Bars Bank".
7. Growth map
- Who issues: Transcapitalbank.
- Income: 13.2 thousand rubles per year.
This debit card is charged 6% on the balance. And you can accumulate up to 2,000 bonus points per month, which are accrued for paying for 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.
Growth Map can be either personalized or non-personalized. There is no service charge for the latter. Connection to the online bank is also free.
6. Debit Platinum
- Who issues: Devon Credit.
- Income: 13.2 thousand rubles per year.
This card allows you to receive monthly cashback from 0.5 to 1.5%. The minimum cashback rate is applied for purchases of up to RUB 20,000 per month. The maximum monthly cashback amount is 4 thousand rubles.
As for the accrual of interest on the balance of funds, the minimum rate is 1%, the maximum is 6%. The highest rate is valid if there is 300,000 rubles on the card.
5. Cumulative
- Who issues: Russian Mortgage Bank.
- Income: 13.9 thousand rubles per 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. Smaller cashback - from 1.5 to 3.5%, but no more than 5 thousand rubles per month can be obtained by paying with a card for any product or service.
The balance is charged from 4% to 7% per annum. The maximum rate is valid under several conditions:
- starting from the second billing period;
- if the account has at least ten thousand and not more than seven hundred thousand rubles;
- 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. The increased rate is applied if the card has at least 5 thousand and not more than 200 thousand rubles.
If in the first month from the date the card was issued, the user made a purchase for 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 OTP Bank partners - 3% of the amount. You can collect no more than 2 thousand bonuses per month.
3. Privilege card
- Who issues: Kuznetsky.
- Income: 14.4 thousand rubles per 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 limit on the amount of refund. And the balance on the account is charged 6% per annum. However, there is also a fly in the ointment - you will have to pay 1,188 rubles for servicing the card.
2. Multicard ("Collection" / "Travel" option)
- Who issues: VTB.
- Income: 15.4 thousand rubles per year.
One of the most profitable bank debit cards in Russia has a cashback from 1% to 10%. In this case, the user can select the appropriate options, which can be changed monthly.
There is also a bonus program with monthly changing 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 credited regardless of the purchase amount. Then the accumulated bonuses can be spent on purchasing the necessary goods and services from the partners of the bonus program.
There is also an 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 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 per year.
The list of the most profitable bank cards in 2018 is topped by a credit debit card with a grace period of 115 days. Its service is free, provided that for the first year of the card's validity, the amount of non-cash 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 from 50 thousand to 99.9 thousand rubles, 5% per annum is charged, and with an amount over 100 thousand rubles - 6% per annum.
The bonus program allows you to return up to 2% in points from all purchases and up to 8% from purchases made in the categories "Gas station" and "Duty free". Categories are subject to change from 1 June 2018. The maximum number of points awarded for one operation does not exceed 3000.