Bank income cards: rating, types, conditions and reviews

Many people think that modern banks provide only debit or credit cards, but in fact there are also those that provide for a constant accrual of interest, and they are called "profitable." Cards of this type are now offered by a fairly large number of banks, and each one puts forward its own terms of cooperation. It is for this reason that many people start to think about how to choose the right cards and use them in the future.

What is it?

Profitable cards are accounts to which the bank will constantly charge interest depending on how much money is left on the account. It is worth noting that in itself such a card is credit or debit, but at the same time interest accrual on the balance is carried out exclusively in the case of a credit account.

Which ones to choose?

To date, profitable cards offer a variety of schemes for calculating interest. Let us consider them below.

Monthly Bonus

The rate in this case will depend directly on the total size of the minimum balance at the end of the month, as well as on the type of card being considered.

The interest rate, as well as the requirements for the balance, are quite diverse and directly depend on which bank you gave your preference to. Thus, for example, in accordance with the terms of "Promsvyazbank" this minimum is 15,000 rubles, for which the client will receive a bonus of 4.5%, while "Binbank" provides an opportunity to keep up to 10,000 in his account, and While making a fixed rate of 5%. In this example, you can clearly understand how the income cards vary depending on the institution in which you preferred to register them.

Daily Bonus

In this case, the minimum balance amount must be observed daily in order for a person to be credited with the bonus. In this case, the amount of interest in the majority of cases fluctuates between the rates of 8% and 10% per annum.

What is the benefit for the client?

First of all, the income cards of banks are a kind of alternative to the current conditions of short-term deposits, while having a very pleasant interest rate. Besides this, unlike the standard bank deposit, you always have the opportunity to withdraw money from your own account in order to spend it for your own needs.

The clients themselves often say in their reviews that profitable debit cards or credit cards always have certain conditions that can not always be met in order to have a decent income, but in the majority of cases the funds received are sufficient to ensure that Fully cover the cost of service or the payment of a mobile bank.

Next, we will look at the most optimal options from banks so that each user can independently compare the existing bids. In this case, it was used to select profitable maps, a rating based on feedback from users.

"Promsvyazbank"

"Promsvyazbank" offers its customers a card called "All inclusive", but in fact they are far from knowing what conditions are offered in this option and whether they correspond to their name.

In themselves, lucrative credit cards from this bank are not provided, and in accordance with this offer the card can be settlement or debit. In this case, the card uses contactless payment technology and an additional chip designed to provide increased security. It should be noted that despite the fact that this card does not provide for a credit limit, it is possible to receive several pleasant bonuses that allow you to get a pleasant income.

What are these bonuses?

First of all it is worth noting cash back, the size of which is 5%. Of course, such a return is not made to any non-cash purchases, but only to those acquisitions that are made in a certain category. If necessary, you can change the category, this procedure is carried out no more than once every three months. The maximum possible remuneration is 1,000 rubles during the calendar month.

For those who received this card before November 1, it is possible to calculate interest on the balance. All the others can separately open a savings account in this bank, after which they constantly receive 6% for the amount they placed in rubles.

The card is serviced in full or virtually free of charge. Fully free service is provided if the permanent balance on your card is more than 50 000 rubles or you make monthly purchases for more than 30 000 rubles. At the same time, it is worth noting that the service fee is paid every month or once a year, depending on which option is more acceptable for you. For example, if a profitable bank card is paid immediately for a year ahead, but on the average you had the necessary expenses or a balance, then automatically the next move is free for you.

Each owner of such card automatically becomes a participant of the bonus program PSBonus. For every 150 rubles spent, you are given 10 points equivalent to one additional ruble. You will be able to spend the points you receive after you spend 7000 points, which are used to pay no more than 90% of the total purchase price in one of the companies that are a partner of this bank. Among other things, you can also use bonus money to pay for monthly card maintenance.

It is possible to issue two cards for relatives absolutely free of charge, and everyone will be provided with free SMS-informing.

Rocketbank

The offer from Rocketbank is included in the best profitable cards among all offered for today. This card is issued from the bank "Interkommerts", and it is on this card will be stored all the money that you will be credited to the card. It is worth noting that it is at this stage that the participation of this bank completely ends, as a result of which a separate specialized team of IT specialists is already working. A high-quality application for a smartphone initially represented the main advantage that this bank was different from, but with the passage of time a few more powerful pluses for this card were added. Despite the fact that with the help of this card it is impossible to obtain a loan, it is one of the most optimal proposals for choosing.

Cost

No matter how strange it may sound for other countries, Russia still takes money to keep its own funds in the bank, but in this respect, Rocket Bank offers a lot of useful functions and bonuses. At the same time, it should be noted that the service of this card can be absolutely free if the user connects to the tariff "Light", and monthly will carry out transactions worth more than 30 000 rubles. All the others pay 75 or 290 rubles a month.

Choosing the tariff "Light", you are given five free withdrawals at ATMs, as well as the possibility of making external transfers with a commission of up to 0.5%. In addition, from all purchases made by bank transfer, the customer is given a flash back of 1%.

If you use the "All inclusive" tariff, the cost of which is 290 rubles, 10 times the money is withdrawn without a commission and in the same way without commission is sent to other banks, while the fee for the purchases made reaches 1.5%. Thus, if you spend more than 58 thousand rubles every month on the card, an increase of 0.5% in the cash register will allow you to completely cover this commission.

The same income card "Sberbank" gives only 3.5% of the balance, but there is completely no cashback.

Income on balance

The conditions of this card allow you to receive income for the balance, which is 9% per annum, but at the same time there should be 30-300 thousand rubles on the account. Limiting the minimum amount is not so attractive, as most other banks do not have it, but at the same time, compared to its direct competitors, "Rocket" gives a little more, so a mutually beneficial offer is formed.

Again, with each purchase you will receive a certain amount back, if you will conduct them by bank transfer. It should be noted that this card gives you 1% of any purchases, while other cards allow you to save up to 5%, but only with a certain range of categories or with compulsory purchase in certain companies.

Approximately similar to the annual rate is the income card of Binbank, but again, it does not have such a pleasant cashback function, which is quite important from the point of view of profitability.

The main advantage

Despite the fact that this card is quite advantageous in terms of its conditions, as mentioned above, its advantage is the ability to manage its own funds through a standard iPhone.

With the help of a specialized application, you can group your own expenses into categories, and then without any difficulty to observe where your budget is used. At the same time, the user has all the opportunities to independently set tags, which for him will be the most optimal. Among other things, there is also a joint budget function when several cards are combined into a full-fledged network.

Also this bank offers a completely unique translation system, when you simply select a name in the address book, then drive in the amount and send money. Then the recipient receives an SMS message, with the help of which he himself can decide where the received amount will be credited to the bank account or to the phone. If the customer pays 290 rubles a month, for him such messages are absolutely free.

Other options

In addition to these cards, a large number of other proposals are present in other banks. These cards are included in the list of the most optimal options among all existing today, however, perhaps in the offers of other banks you will find more benefits.