What is a salary card?
Posted: Tue Feb 18, 2025 10:49 am
These features exist not only for debit cards, but also for credit cards. Therefore, it is more logical to ask not "How is a debit card different from a regular one", but "How have bank cards changed and what benefits do they offer?"
For example, debitThat same mapallows you to return up to 5% for purchases in your favorite categories. It is issued on a plastic carrier and in digital form. Service - from 0 ₽. And bycredit card "Yes"you can receive cashback up to 15%. The grace period lasts up to 56 days, applies not only to non-cash payments, but also to cash withdrawals and transfers.
This is a debit card that is issued as part of the salary project (SP). You cannot simply apply for a card and ask to transfer your salary to it. That is, you can do this, but the card will not become a salary card.
A settlement and cash service agreement is a contract concluded turkey mobile database between a bank and a company. Its essence can be briefly reduced to two points:
the company pays salaries and bonuses through the bank and issues special cards to all its employees in this bank;
The bank offers more favorable terms of service than under standard tariffs. Service under the salary is often free.
Often, the bank provides the company with its software, which helps to significantly simplify and unify the document flow. Not only are salaries transferred to employees through the selected credit institution, but other financial transactions are also carried out.
The difference between a debit card and a salary card
Although the ZK is a debit card, there is a significant difference between these products. It consists of the method of registration, terms of service, the presence or absence of bonuses, and the impact on lending. Let's talk about each point separately.
Method of design
A regular debit card can be made at any bank. You just need to come to the branch with your passport and submit an application. And the employer is responsible for the registration and issuance of the ZK.
For example, debitThat same mapallows you to return up to 5% for purchases in your favorite categories. It is issued on a plastic carrier and in digital form. Service - from 0 ₽. And bycredit card "Yes"you can receive cashback up to 15%. The grace period lasts up to 56 days, applies not only to non-cash payments, but also to cash withdrawals and transfers.
This is a debit card that is issued as part of the salary project (SP). You cannot simply apply for a card and ask to transfer your salary to it. That is, you can do this, but the card will not become a salary card.
A settlement and cash service agreement is a contract concluded turkey mobile database between a bank and a company. Its essence can be briefly reduced to two points:
the company pays salaries and bonuses through the bank and issues special cards to all its employees in this bank;
The bank offers more favorable terms of service than under standard tariffs. Service under the salary is often free.
Often, the bank provides the company with its software, which helps to significantly simplify and unify the document flow. Not only are salaries transferred to employees through the selected credit institution, but other financial transactions are also carried out.
The difference between a debit card and a salary card
Although the ZK is a debit card, there is a significant difference between these products. It consists of the method of registration, terms of service, the presence or absence of bonuses, and the impact on lending. Let's talk about each point separately.
Method of design
A regular debit card can be made at any bank. You just need to come to the branch with your passport and submit an application. And the employer is responsible for the registration and issuance of the ZK.