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Most Russians get plastic cards forwork or in the payment of scholarships and pensions, thus they are deprived of the possibility of choosing a card. But if you independently determine for yourself the best option, you need to consider a whole range of criteria. When choosing bank cards, you should pay attention to the following characteristics: the type of card (debit or credit), payment system (Visa and MasterCard), class of service and additional options.

Choose a card type: debit or credit card

Debit cards allow you to use onlyown funds, whereas credit - give the opportunity to borrow money from the bank and go into negative. Debit cards are more suitable for those who do not accept bank loans, have low financial discipline and are prone to spontaneous spending.

The most important criteria for choosing credit cards are the annual interest rate, the size of the credit limit, and the presence of a grace period during which you can use the borrowed money for free.

On a credit card it is necessary to stop the choice in a case,If you periodically feel the need for borrowed funds. Comparing different variants of plastic cards, you should pay attention to additional advantages, including: - the availability of opportunities for remote account management - Internet banking and mobile banking, this will allow you to make all transactions without a visit to the bank office - interest accrual on the balance or opportunity Connection of online deposits, which will allow not only to spend, but also to earn on the card - availability of cash-back - part of the purchases are returned to the card account on these cards; For example, on the Master Card from Svyaznoy bank, 10% is added to the balance, 1% is returned by bonuses, - 3D-Secure technology is available, which makes payments on the card more secure. Also today, everyone can choose a card with an additional set of benefits based on their needs - for example, a card with discounts and bonuses for people who like to travel, for motorists, for users of certain telecom operators, etc. On air-card cards when paying for any goods and services to a client Miles are accrued, which can be exchanged for free airline tickets or for upgrading the class of service.

Choose a payment system: Visa or MasterCard

The choice of payment system is relevant only for actively traveling Russians and who expect to pay abroad using bank cards.

If you plan to use the card only in the territory of the Russian Federation, then there is no difference between Visa or MasterCard.

In this case it is worth considering that the currencyThe Visa payment system is the dollar, and MasterCard has the euro. Thus, Visa card is more profitable to pay in the USA, MasterCard - in Europe. So, when paying with Visa card in Europe, it initially converts rubles into dollars, and then - into euros, which is quite unprofitable.

Choose a bank card class

Finally, it is necessary to determine the classService. There are three classes of bank cards: electronic, classic and premium. Electronic cards (Visa Electron and MasterCard Maestro) are distinguished by a basic set of services, the minimum annual service cost (about 300 rubles per year). Such cards are suitable for those who use it for withdrawing cash, as well as shopping in outlets. However, on the Internet they can not be paid. Such cards are often issued as unnamed. Classic cards (Visa Classic and MasterCard Standard) are the most common types of cards with a basic set of functions. They allow you to make payments online and pay for purchases by bank transfer. This card is often issued with a chip, which allows you to use it when buying abroad. Premium Gold and Premium cards are status cards, with an additional set of privileges, such as discount programs. Among the shortcomings of such cards is the high cost of maintenance. For those who often make purchases on the Internet, you can also order virtual cards without physical media.