First, decide what card you need – whether credit and debit. The first allows you to make purchases at a certain amount even if the card has no funds. After purchase you will have within the specified period to fill up your Bank account to repay the Bank loan amount. Shortage of credit cards that you pay interest on the loan. If you miss the return, can be followed by penalties in the end you will have to return a lot more than you borrowed. Debit cards in this respect is much easier and safer – you can use only the amount that you have in the account.
Select the type of Visa. They differ in execution, cost of service and provide their owners opportunities. The simplest card is a Visa Electron. Digits of the card number and other data on it is not convex, this limits the use of the card in some types of terminals. But the card works fine in a normal ATM, so have been very widespread. The cost of annual maintenance is about 300 rubles a year (for Sberbank). More expensive are the cards Visa Classic, Visa Gold, Visa Platinum, the cost of their services up to 1000 rubles a year and more.
After selecting the type of card you decide with the Bank issuing the credit card. The emphasis here is on the availability of ATMs of the Bank. When withdrawing cash at the ATM of "your" Bank will not take any Commission. But if you use the ATM of another Bank, then pay a fee for the operation, it usually cost about 100 rubles. One of the most common are the ATMs of the savings Bank, so a Bank card of this Bank may be the most convenient.
To obtain a card please contact any branch of the savings Bank (or the Bank you have chosen). Let the type of card you need a credit or debit – and its specific variant. The Bank employee will write down your passport data, telephone number and inform you when you should come for the card. You just take the cost of the first year of service card. Usually a card is made for one to two weeks.
Upon receipt of the card be sure to connect service "Mobile Bank". This is very useful as it will allow you to always be aware of all transactions on your card. You will get the list of passwords for shopping on the Internet. Service "Mobile Bank" significantly increases the security of card use.