The Russian bank card market is very diverse. All cards differ in their functionality, service cost, presence or absence of a credit limit, etc. The choice will depend on why you need the card.
Instructions
Step 1
There are two key types of plastic cards - debit and credit. The former are intended to receive salaries or other income (pensions, scholarships, interest on bank deposits, etc.). Debit cards should be chosen based on the cost of annual service, the reliability of the issuing bank, the development of the ATM network, the availability of remote access to the account, the minimum fees for money transfers and cash withdrawals, etc. Often such cards are issued by the employer, and the employee gets rid of the need to choose.
Step 2
Credit cards allow you not only to use your funds, but also to borrow from the bank within the credit limit. The selection criteria are different from those applied to debit cards. In particular, it is worth paying attention to the cost of issue and annual maintenance, interest for the use of borrowed funds and the presence of a grace period, the size of the credit limit, compliance with the requirements for the borrower. You should only get a credit card if you plan to pay it by bank transfer, while withdrawing cash by credit card is usually unprofitable. It is associated with the payment of a commission for the operation and is not included in the grace period in most banks.
Step 3
The user will need to decide on the type of payment system in which the card will be issued. The most common payment systems in Russia are Visa and MasterCard. It should be noted that this issue is relevant only for those who plan to travel abroad and intend to make purchases using a card. So, the currency for converting money into MasterCard is the euro, and for Visa - the dollar. If the card will be used only on the territory of the Russian Federation, then there is no difference in payment systems.
Step 4
You also need to choose the most optimal class of a bank card, based on how you plan to use it. If you need a card only to withdraw cash, as well as to pay for purchases in stores on the territory of the Russian Federation, then you can issue a Visa Electron and MasterCard Maestro card. These are unnamed cards with basic functionality. As a rule, this card is free.
Step 5
Classic cards Visa Classic and MasterCard Standard are suitable for those who also intend to use the card when shopping abroad. They can be used to pay for purchases on the Internet.
Step 6
Premium plastic cards stand apart. They emphasize the status of the cardholder and are intended for high-income business people. Additional discounts and free services are available for premium cards. Gold or Platinum cards have a higher service cost.
Step 7
If you plan to use the card exclusively to pay for purchases on the Internet, then a virtual card is suitable for you. It does not have a physical medium, but contains all the requisites that are required for online shopping. At the same time, the cost of the annual service of the card is quite low - on average 60-100 rubles. in year.
