Bank cards with interest on the balance of own funds

Accumulate funds with deposit andSavings accounts are convenient and profitable. True, this money can not be taken into account: they become available only after a certain period of time. To ensure that the funds were always at hand, and even multiplied, bank cards were developed with a percentage charge on the balance. In another way they are called profitable. We learn about the interest rate of popular debit cards and the terms of their use from the article.

What it is?

Few know about the existence of profitable maps andprinciple of their action. In fact, this is the usual settlement "plastic", the owner of which receives a fee from the bank with the balance of the account. The income is calculated monthly based on the annual interest rate and the amount on the card. In some cases, certain conditions need to be met to receive remuneration.

Cards with interest accrual on the balanceown funds - a convenient product for those who prefer not only to use money, but also to accumulate them. The undoubted "plus" of such a product is free access to own resources. If you prefer to withdraw money through deposit programs after a certain period of time, you can use the income card without restrictions. Interest rates are always calculated when the account balance is positive (or reaches a certain amount).

Not every financial institutionproduces a profitable "plastic", but with the increase in demand for them, there are more and more interesting proposals. Consider the most popular debit bank cards with interest on the balance of funds.

Sberbank

The organization offers a variety of depositprograms with different terms and conditions. But it is the card products that do not have the function of charging fees. The only exception is a pension social debit card with interest accrued on the balance. Sberbank rewards holders at a rate of 3.5% per annum, and the calculation is made daily. The amount is credited to the card once a month.

The interest rate is low, but nevertheless the social card has its advantages:

• service and issue of the card is free of charge;
• the "Thank you from Sberbank" program in the form of casbyback bonus points;
• it is possible to issue an additional card;
• accrual of interest daily;
• withdrawal of funds in bank terminals without commissions;
• Participation in bonus programs from MasterCard payment system.

A convenient and profitable means of obtaining a pension will be a debit card with interest accrued on the balance. Sberbank offers acceptable terms of service and a small monthly fee.

Map "Discovery-Rocket"

Bank Otkrytie, founded in Khanty-Mansiysk, in late 2015, presented a new co-branded card "Discovery-Rocket". Fizlitsa can issue the product according to one of two tariffs: "All inclusive" and "Cozy space".

And the latter is absolutely free andguarantees a good percentage of compensation. Cards with interest accrual on the balance of "Opening-Rocket" are serviced by the MasterCard payment system. Class of "plastic" standard - World.

The table shows the conditions of the tariff plans for the revenue card:

To charge 8% per annum, the cardholder does not need to fulfill any conditions. The remuneration is always paid, regardless of the amount of the positive balance on the account.

"Cashback" card of Alfa-Bank

The yield of this "plastic" directly depends on the activity of the holder. The card class is MasterCard World. If transactions are performed on a regular basis, a bonus is awarded in the amount of:

• up to 8% - on the balance of funds, is transferred to the savings account;
• 5-10% - cashback for purchases at gas stations and spending on restaurants and cafes.

The cost of such a calculated "plastic" depends onpackage of services, which the client has chosen. The service card is 1200 rubles. in year. Additional charges for the established tariff plan. For example, the package of services "Optimum" costs 1929 rubles. in year. But if the balance on the account of the owner exceeds 70 thousand rubles, then the card service along with the tariff plan will be free.

Deals from Tinkoff

This bank with a non-standard approach to serviceclients are happy to offer several options for income cards. The most famous of them is Tinkoff Black class MasterCard World or Visa Platinum (at the client's choice) with Cashback for all purchases and reward for the balance. The prerequisite for receiving remuneration is making payments in a month in the amount of 3000 rubles. If this requirement is met, the cardholder is charged 8% per annum. If the amount on the account exceeds 300 thousand rubles, the interest decreases to 4.

Other debit cards with interest onbalance and cashback Tinkoff co-branding: Aliexpress, OneTwoTrip, "Messenger Club". Remuneration for purchases is charged to them in the form of bonuses, which you can spend with a partner of the bank. The percentage of cashback varies from 1 to 30 depending on the category of goods. The annual maintenance of cards is 99 rubles. per month, but with a sufficient balance in the account, banking services are provided free of charge.

Profit card "Bank in your pocket"

Russian Standard CJSC issues a series of debitcards of different classes with an accrual of 4-8% on the balance of funds. Products have a standard package of services, corresponding to the type of "plastic". The series included 5 categories of "Bank in Pocket" cards:

1. Classic - a reward of 4-8% is charged on the balance up to 300 thousand rubles. The cost of service is 900 rubles. per year (free of charge when stored from 30 thousand rubles.)
2. Gold - 8% is charged on the balance to 1 million rubles. Maintenance of the "golden" card - 3000 rubles. in year.
3. Platinum - the cost of 10 thousand rubles. in year. 8% on the balance of funds, access to premium programs from payment systems.
4. Travel Premium - MasterCard World at a cost of 3000 rubles. in year. Remuneration is accrued only if the balance on the account is at least 30 thousand rubles.

The program "Bonuses and privileges" is also available to holders. Bank cards with interest on the balance of the "Bank in your pocket" will please the owner and cashback at a rate of 1-5%.

St. Petersburg Bank

PJSC "Saint Petersburg" is the largest regionala bank that produces one of the most profitable income cards. The rate of compensation ranges from 5 to 10%. However, not every client can get an increased interest. To pay 5% of the remuneration, it is required that at least 50,000 rubles are kept on the account at all times. If the condition is met within two months, for the third accounting period the cardholder already receives 10% per annum. The rule is valid for all types of cards, including:

• "Bright" - MasterCard World.
• Visa (MasterCard) Unembossed.
• Visa Classic or MasterCard Standard.
• Visa Gold or MasterCard Gold.
• Visa Platinum or MasterCard Platinum.

Keshbek is 0.5% with the exception of MasterCard World (1-2%).

Proposals of other banks

The popularity of multiplying funds with the help ofdebit cards is growing every day. In response, more and more banks are offering their programs. What other cards can I draw up for savings? Let's consider them in the table:

Most cards bring a good return if the funds are continuously stored on the account. At the same time, it is enough to save about 20 thousand rubles in order to receive a stable reward.

Cards with accrual of interest on the account balance are convenient and profitable bank product, which allows not only to use all the privileges of payment "plastic", but also to accumulate funds.