Bank income cards: rating, types, conditions and reviews

Many people think that modern banksonly debit or credit cards are provided, but in fact there are also those that provide for the constant accrual of interest, and they are called "profitable." Cards of this type are now offered by a fairly large number of banks, and at the same time each sets forth its 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?

Revenue cards are the accounts for which the bankwill always charge interest depending on how much money is left on the account. It is worth noting that the card itself is a credit card or a debit card, but at the same time, interest accrual on the balance is made 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 directly depend on the total size of the minimum balance at the end of the month, and on what kind of card is considered.

Interest rate, as well as requirements for the balanceare 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%. With 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 balanceto be observed daily so that the person is 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 banksrepresent a kind of alternative to modern conditions of short-term deposits, while having a very, 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 received funds are quite enough to fully cover the expenses for servicing or the payment of a mobile bank .

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

"Promsvyazbank"

Promsvyazbank offers its clients a cardunder the name "All inclusive", but in fact far from knowing about what conditions are offered in this version and whether they correspond to their name.

By themselves, profitable credit cards from thisthe bank is not provided, and according to 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, sizewhich 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 orpractically for free. 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. It should be noted that for maintenance 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.

Every owner of such a card automaticallybecomes 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. Above all else, 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 bestincome cards among all the 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 significant pluses for this card were added. Despite the fact that it is impossible to get a loan with this card, it is one of the most optimal offers for selection.

Cost

No matter how surprising it may sound for otherscountries, but in Russia to this day they take money to ensure that a person can keep their 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 in case the user connects to the "Light" tariff, and monthly will carry out transactions for the amount of more than 30 000 rubles. All the others pay 75 or 290 rubles a month.

Choosing the tariff "Light", you are given fivefree withdrawals from ATMs, as well as the ability to conduct 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 costwhich is 290 rubles, 10 times the money is withdrawn without commission and in the same way without commission goes to other banks, while the reward for the purchases made reaches 1.5%. Thus, if you spend more than 58 thousand rubles each month on a card, an increase of "keshbek" by 0.5% will allow you to completely cover this commission.

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

Income on balance

The terms of this card allow you to receive income onthe balance of which is 9% per annum, but at the same time there should be 30-300 thousand rubles on the account. The restriction of the minimum amount is not so attractive, since it is absent in most other banks, but at the same time, in comparison with its direct competitors, the "Rocket" gives a little more, so a mutually beneficial offer is formed.

Again, with each purchase you will receivea certain part 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 from a certain range of categories or with compulsory purchase in certain companies.

Approximately similar to the annual rate is the revenue 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 according to its conditions thisthe card is quite profitable, 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 canwill 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 possibilities to independently set tags, which for him will be the most optimal. Among other things, there is also a joint budget function where several cards are combined into a full-fledged network.

Also this bank offers absolutelya 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 which he 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, other banks havequite a lot of other suggestions. These cards are included in the list of the best options among all existing to date, however, perhaps in the offers of other banks you will find more benefits.