В чем разница банковских карт
Banking cards vary not only in their service terms but also in other characteristics such as available operations, payment systems, and the type of funds they manage. Today, banks offer several types of cards — not just plastic.
- Types of Cards by Purpose
- Why Have Multiple Banking Cards
- Differences between Salary and Regular Cards
- Why Choose a Salary Card
- Tips and Conclusion
Types of Cards by Purpose
Cards can be categorized by purpose into educational, travel, road, research-and-reference, and other types.
Why Have Multiple Banking Cards
Having multiple cards can provide maximum benefits in various ways, including:
- Reason #1: Discounts, Cashbacks, Bonuses
- Reason #2: Financial Security
- Reason #3: Traveling and Foreign Transfers
- Reason #4: Social Benefits and Perks
- Reason #5: Additional Income
Differences between Salary and Regular Cards
A salary card is a type of debit card that also has a «zero» limit, but its main source of funds is via employer deposits. Employers who have a servicing agreement with a bank in a salary project can transfer employees' salaries, social benefits, and other allowances directly to their salary card.
Why Choose a Salary Card
- No need to cash a physical check
- Immediate access to salary
- Higher withdrawal and transfer limits
- Special offers from banks
Tips and Conclusion
When choosing banking cards, consider their purpose, terms and conditions, and availability of benefits such as discounts, cashbacks, and loyalty bonuses. Having multiple banking cards can provide additional financial security and maximized benefits. However, it's important to manage them efficiently and carefully to avoid overspending and debt accumulation. Finally, make sure to check the terms and conditions thoroughly before signing up for any card and always compare offers from various banks to get the best deal.