Ranking of the best debit cards for seniors in 2022

Many pensioners out of habit keep money "in the bank" or "under the pillow", believing that this method is the safest. However, modern banking products allow not only to safely store money, but also to increase its amount. In order to prove this statement, in this article we will consider the popular types of debit cards (DB) intended for pensioners and compare the offers of banks according to the main selection criteria.

A debit card can be of two types: plastic or virtual. Their main purpose is to store funds, provide quick access to them, and also for use as a means of payment (as a replacement for cash). The process of paying with plastic is as follows: after the user inserts it into the terminal, the reader transmits information to the servicing bank. After that, you need to enter a pin code that confirms the ownership of the payment instrument. If the data is entered correctly, a new request is sent to the banking institution, it clarifies the account balance.If it is sufficient to complete the transaction, the amount is debited and credited to the seller.

If the account is virtual, all these operations are carried out without the use of an embodied card (via the Internet).

Debit card types

Depending on the payment system, there are 3 types of international DCs: Visa, Mastercard, Maestro. Their issue is carried out by international banking institutions. The purpose and use of the three types is identical. Some countries create their own systems in order to reduce the cost of the product for the population.

The card class means its functionality, there are 4 types: Standard, Classic, Gold, Platinum. The main differences between them are as follows: the higher the class, the more available features and favorable conditions are provided to the owner. For the use of plastic when making payments in stores, there is practically no difference, and when conducting transactions via the Internet, there may be differences.

Standard debit products do not provide for the debiting of funds in the event of a zero balance.Money can be written off only in 3 cases: automatic withdrawal of the service cost, when using a card with an overdraft function, when making payments in foreign currency, if the exchange rate has changed during the purchase process.

How to choose a debit program

The first thing you need to pay attention to when choosing a banking product is the conditions and programs for users. It is necessary to decide for what purpose it is acquired. If you plan to frequently use the card to make purchases in supermarkets, online stores, you should focus on offers with a high percentage of cashback. It is of several types. Earnings can be returned to the user in monetary terms, accrued in the form of bonuses for making other purchases or miles for making tourist trips through travel companies. Cash can be credited for the entire amount of expenses, or for purchases in specific partner stores.

If you expect to keep a large amount of money in the account, you can consider offers with interest on the balance. Thus, savings on plastic will become an alternative to bank deposits. When using the card in this capacity, the client receives a number of advantages - you can spend "earnings" at any convenient time, without coordinating it with the bank. The user should be aware that this service is not prescribed in the contract with the service organization, and the bank, by changing the tariffs, can unilaterally change the percentage, without even notifying the client personally. Interest can be charged on the minimum, average or final balance.

Another factor to consider is the annual maintenance cost.It varies depending on the class of the product, as well as the availability of additional services. According to the advice and recommendations of banking specialists, when choosing a card, you need to pay attention to the possibility of withdrawing cash and the amount of interest for this service, as well as the conditions for transferring funds from one account to another. It is also recommended to check that cash withdrawals from ATMs are commission-free.

Before going to the bank, you need to familiarize yourself with the requirements that apply to new customers. In most cases, their list is much smaller than when applying for credit cards. In some banks, you can find programs for minors, which allow the emission of plastic to persons over 14 years old. The main restrictions on the design of such products relate to foreigners, as well as persons with a bad credit history, including those who have been involved in an administrative or criminal case of offenses (fraud).

When evaluating the criterion “cost of annual maintenance”, it should be taken into account that it can be without payment, subject to certain conditions - the balance of the minimum amount at the end of the period, the implementation of a turnover of a certain amount per month, etc.

Some customers forget that for comfortable use of a debit card, it is required to activate additional services that are provided for a fee. Such services include SMS notification, the availability of a mobile application for transactions, etc. Depending on the category of the card, the user can receive bonuses. The main ones are discounts from partner companies, the allocation of a personal manager who provides customer service, the provision of a transfer when traveling abroad, etc.Bonuses can be issued automatically, or through a user requirement.

Rating of the best debit cards

With cashback

Wisdom from ICD

Credit Bank of Moscow rarely ranks at the top of the TOP of the best offers for clients, but its Wisdom product refutes this statement.

You can get plastic 3 months before the date of appointment of the pension (according to the age according to the passport), or after the appointment of payments (in this case, you will have to provide the relevant documents). Among the advantages, one can single out the possibility of withdrawing cash without a commission at ATMs throughout Russia, accruing interest on the balance of funds in the account (depending on the conditions - up to 7%), free consultations (not only on financial issues, but also regarding the work schedules of public institutions, social services, etc.). At the same time, the operator answers calls around the clock and seven days a week.

Customers also note the ability to pay utility bills without commission, as well as transfer funds up to 20,000 rubles to another bank card. All plastic surgeries are accompanied by a free SMS notification.

When carrying out transactions in some categories, a cashback of up to 5% is accrued (each purchase is valued in points, 1 point = 1 ruble). You can earn up to 3,000 points in one month. When purchasing goods and services from bank partners, a cashback of up to 25% is charged. Detailed conditions can be found on the institution's website.

Among the amenities, one can also note the ease of registration of the service - after the user submits an online application, all other actions are executed by the consultant without his participation, including the request to transfer the pension to the bank card.To fill out an application, gently enter your data and leave a phone number, after which a consultant will contact you. Each client can connect and use mobile and Internet banking without payment, simplifying interaction with account transactions.

• quick and easy registration;
• convenient mobile application;
• emission is carried out online, which is relevant during the coronavirus pandemic;
• free delivery.

• many profitable offers of the bank work only under certain conditions.

VTB multicard for pensioners

The product from VTB Bank involves free registration and maintenance. In order to receive plastic, you need to leave an application on the website of the institution, after which a consultant will contact the user and, after receiving approval, tell you how to pick it up.

On a monthly basis, the user can choose one of three bonus programs at will:

• "cashback" - up to 1.5% for regular purchases, and up to 15% - for those made with partner companies;
• “I dream of traveling” - up to 1.5% in miles for all purchases, and up to 15% in miles for purchases from partner companies;
• “I multiply savings” - additional accruals on the card balance up to 3% per annum;
• "I love gifts" - an analogue of "cashback";
• “I save on credit cards” - minus 1 percentage point to the credit rate.

Among the advantages of the program, one can single out commission-free replenishment from cards of other banks, transfers by phone number without charging a fee, interest-free cash withdrawals, etc. There are two ways to transfer a pension to a bank account - when visiting a branch of the organization, or using the website of the State Service (detailed instructions posted on the website of the banking institution).

Bonuses on the card are awarded in the form of points, you can choose from several tariffs: 1% - up to 30,000 rubles per month, 1.5% - up to 75,000 rubles per month, up to 15% - when purchasing from partner organizations. Received bonuses can be exchanged for rubles at the rate of 1 to 1, tickets for air or railway transport, tickets for attending events, booking hotel rooms, etc. If the client already has a VTB Bank card, in order to fully use all given the benefits, he needs to issue a new plastic. Otherwise, some services will not be available, such as the accrual of interest on the account balance.

• a large list of additional bonuses and privileges;
• simple design;
• 24/7 customer support;
• You can choose the amount and type of cashback.

• plastic cannot be ordered online for home delivery.

Heat from Eastern Bank

The fact that the product of Vostochny Bank is intended for pensioners is clear from its name. The main advantages are accrual of income on the balance up to 5.5%, cashback in the amount of 5% for payment for goods and services in various categories, customer support regarding health issues by phone.

One of the main advantages of the program is the “Strong Health” service, which is valid for 10 months. It includes remote consultations with specialist doctors (relevant for coronavirus), informing about the availability of medicines in pharmacies, assistance in emergency cases (paid).

In order to transfer a pension to an account, it is enough to leave an online application on the organization's website, while a personal visit to the institution is not necessary.To do this, you need to prepare an insurance certificate number and a passport, all operations are performed through a mobile application or Internet banking. This card is available only to persons who have reached the retirement age according to their passport (women over 55 years old, men - 60 years old).

Interest on the balance of funds in the account is accrued monthly, while the minimum value at the end of the month should be 10,000 rubles or more.

Cashback in the categories "pharmacy", "housing", or "public transport" is charged in the amount of 5% or more. This applies to both cash and non-cash transactions. Transfer to cards of other banks in the amount of up to 100 thousand rubles. carried out without charging a commission. Transfers are carried out according to the system of fast payments.

• there are remote consultations of doctors in different profiles;
• a large percentage of cashback;
• high interest on the account balance;
• availability of a bonus program for pensioners.

• short duration of the program "Good Health".

The best interest on the balance

Bought-accumulated from the Tauride Bank

The product is suitable not only for pensioners, but also for other categories of citizens. The issuer announced an accrual of up to 6.4% on the account balance at the end of the period (under agreements concluded before 10/01/2020, this value is 8%). Among the advantages of the novelty, one can single out the absence of restrictions on the amount on the account (it is possible to “go to 0” without penalties), as well as the availability of additional services.

The card supports contactless payment using Apple pay, Google pay, Samsung pay services. To make such payments, you will need a smartphone or a smart bracelet (ring). In order to pay for a product or service, you just need to bring the device to the terminal, and the money will be transferred.

At the user's choice, one of several functions can be connected without payment - SMS informing or receiving PUSH notifications. All customers can also use Internet banking and a mobile application.

Interest is accrued if the balance is more than 8 thousand rubles (within 100 thousand rubles). If the limit is exceeded, an income of 4% will be accrued for the entire volume in excess of 100 thousand. Interest is not charged on a balance of less than 8 thousand. You can issue plastic at a bank branch, through Internet banking, a mobile application, or the official website of the institution. Once the card is ready, the new customer will be notified by phone. You can top up the card through ATMs of the company, a bank branch, as well as through Internet banking. One of the useful features, according to customer reviews, is the ability to set a limit on the list of operations carried out with the account. Thanks to this, you can protect elderly relatives from the actions of scammers.

Issue and maintenance of "Bought-accumulated" is carried out without payment. You can also order a card statement by e-mail without payment.

• free service;
• supports contactless payment;
• can be ordered online.

• not delivered to the client's home.

World from Post Bank

The product is focused primarily on accumulation. In order not to make mistakes when choosing a program, pay attention to the fact that when making an application, the consultant takes into account the fact that you are a pensioner. In this case, you will receive a number of additional benefits - for example, when paying for goods or services in pharmacies, at gas stations, a 3% cashback is charged.

Depending on the availability of funds in the account and the amount of payments made, the accrual of interest ranges from 3 to 5%. Opening and annual maintenance of the card is carried out without charging a commission. Cash withdrawals from ATMs of the organization are also carried out without payment, in branches of other banks - there are restrictions on the amount (up to 10 thousand per month). Replenishment through any services - without payment.

The company's clients can also enjoy additional benefits (this requires making payments through Internet banking for 10,000 or more per month). These include: a reduction in the loan rate by 2 percentage points, +1% to the savings account rate, and +0.25% to the deposit. The card is issued at the bank branch or through the online form on the website. At the request of the client, you can order plastic delivery to your home (for 100 rubles).

Since pensioners have a limited amount of money, they will be interested in the “online shopper package” function. According to the description on the organization's website, the connection is made through Internet banking, the cost of an annual subscription is 300 rubles. The program monitors the average prices of all goods in Russia, and if the buyer purchased it at a not the best price, the difference in cost is returned to the account. Thus, there is no need to look for where you can buy this or that product cheaper. When purchasing household appliances and their damage for some time after the purchase, the cost of repairs is made at the expense of the bank. There is a limitation on payment - no more than 30 thousand rubles. If the selected product does not fit, it will be returned to the store without payment.When making contactless payments, the user can win cashback on purchases up to 12%.

• a large selection of additional bonuses;
• free service;
• the "online shopper package" program tracks the cheapest prices and returns the difference to the user compared to how much the product costs in the budget store;
• convenient application for smartphone;
• high interest on balance.

• There are account balance limits.

Pension Mir from Bank St. Petersburg

Plastic with interest in the Mir payment system is popular with buyers due to the high rate - up to 5%. The free-of-charge program is aimed at retirees - clients who have "every penny counts." Production of plastic from the moment of registration of the application does not exceed 1 day, after which you can pick it up yourself at the bank office, or order delivery by courier to your home.

A comprehensive program for pensioners includes income on the balance up to 5%, free SMS notification for 3 months after card issuance, cashback, discounts on loans and premiums on deposits, etc.

The Mir payment system also offers users various bonuses: for example, by issuing a St. Petersburg resident card, you can make up to 50 trips by public transport for free (the promotion is held from October 12 until the end of the year). Also, when refueling a car at the Gazpromneft gas station network, you can get a cashback of 5% of the cost (no more than 2 thousand rubles). For those who use the metro, a proposal to reduce the cost of each trip by 10% will be interesting (the promotion is also valid until the end of 2022).

Replenishment of the card is free of charge, as well as cash withdrawals at branded ATMs (you can cash out money at ATMs of another bank 2 times a month for free).

• one of the best offers for pensioners among competing banks;
• there is a card delivery to the house;
• there are no restrictions on the minimum account balance;
• high interest rate on the balance.

• courier delivery is carried out only in the city of St. Petersburg (within the Ring Road).

With free service

Pension Mir from Sberbank

Despite the fact that Sberbank does not provide the most favorable conditions for most programs for the population, pensioners consider the state institution reliable and stable, and prefer to be served there. The main purpose of the card is to receive pension and other social income.

Annual maintenance is free of charge. The plastic payment system is Mir, there is a contactless payment. The account is opened in Russian rubles for 4 years. Cash withdrawal from ATMs and cash desks of Sberbank within 50 thousand rubles. carried out free of charge, if the limit is exceeded, a commission of 0.5% is charged. When cashing money at ATMs of other institutions, the commission will be 1%.

The user is offered to renew the validity of the plastic free of charge, receive an extract and a cash flow statement. When shopping in some categories, the user can receive bonuses up to 3% of the cost. When completing tasks from bank partners, you can get bonuses that can be exchanged for discounts up to 30% of the cost. Bonuses can also be spent on travel (buying tickets, arranging transfers, etc.), entertainment and purchasing coupons.

Other advantages include free transfers from one card to another between Sberbank customers. The SberBank Online mobile application allows you to activate the card before it is physically received, transfer money from account to account, block and unblock the card. An income of 3.5% is accrued on the balance of funds at the end of the reporting period.

• free service;
• reliable and stable bank;
• according to users, a convenient mobile application;
• in partner companies you can purchase goods from the best manufacturers at a discount.

• long term for the manufacture of plastic (the specific period can be found in the comparative table on the website of the institution).

Pension from Rosselkhozbank

The Rosselkhozbank program is announced as an increase in pensions. All users with a balance of 1 thousand rubles at the end of the period. and more, receive basic interest (3%), and can also receive additional interest if the amount exceeds 75 thousand (+1%). Registration of plastic is possible only at a bank branch, for this you need to take your passport with you and write an application. After that, together with the consultant, you will need to draw up a package of documents and transfer it to the FIU.

By decision of the client, you can choose one of two additional bonuses - cashback in any pharmacy, which can be in the territory of the Russian Federation up to 5%, or interest-free cash withdrawal from an ATM of any affiliation. Each option is valid for a month, or until another is selected.

Among the advantages, customers note free SMS-informing about the transfer of funds to the balance, as well as free issue and maintenance.In the mobile application, you can track statistics on all ongoing events, as well as make purchases, pay for services, etc. Replenishment of the card is free through ATMs and branches of the Russian Agricultural Bank, when transferring money from other banks - at the appropriate rates.

• free service;
• high percentage of cashback;
• free SMS-informing about the enrollment of pensions.

• for plastic processing, a mandatory visit to a bank branch is required.

Pension from Transcapitalbank

The review is completed by a product from Transcapitalbank, which has similar conditions to competitors (cashback up to 5%, income on the balance up to 4%, free maintenance), but also offers some advantages (round-the-clock consultation of specialists on the main characteristics of the offer).

Cash withdrawal within 200 thousand rubles. free at any ATM. All information on the tariff plan can be found on the website of the institution, here you can also find out the cost of a particular additional service. Accrual of interest for up to 200 thousand rubles. monthly - 4%, if the limit is exceeded - 2.5%. Transfer of funds using Internet banking is carried out without commission.

If desired, the client can take part in the TKB program. Club. It involves receiving cashback for making payments in one of five categories: travel, entertainment, beauty, home and repair, auto. When making purchases in other categories, up to 1% of the value of the goods (services) is returned to the account. You can earn no more than 3 thousand points per month (1 point corresponds to 1 ruble). If the amount of purchases exceeds the limit, points are awarded for each subsequent purchase with a coefficient of 0.5. You can calculate the number of bonuses using the online calculator on the Transcapitalbank website.In order to use the points, you need to apply for their write-off through the RBS system. In the event that the goods are returned, the points are returned to the bank.

Customers can use internet banking and the mobile app for free. To apply for a card, you will need to come to the bank, write an application, taking your passport and pension certificate with you.

• free service;
• 24/7 user support;
• monthly capitalization;
• high percentage of cashback.

• card is issued only in a bank branch.

Conclusion

A variety of debit cards for pensioners makes it difficult to choose the best one. If an aged person does not know how to navigate modern banking programs, it is recommended to contact a consultant for help. At the same time, it should be taken into account that a consultant working in a bank is an interested person, and will try to attract a client, describing only the advantages of the product, and keeping silent about its shortcomings.

It is best to find a financially literate relative who will compile a comparative table according to the main criteria and help you choose what you need. We hope that our review will help you make the right choice!