✔️ Insurance coverage Visa Infinite on a trip abroad
✔️ Discovered authorized accessible on request
✔️ Cashback + advantages with exclusive partners
✔️ Included: choice of an option between the dynamic crypto option, the blue e-card service and the secret code choice option

€ 300,000/ 30 days

• Income of € 5,000 minimum/month
• Already be a customer at Société Générale

American Express Platinum
€ 55.00 per month

✔️ Card accepted all over the world
✔️ Point accumulation program for each purchase
✔️ Insurance and assistance abroad

€ 65K per year (gross income)

Selection of bank cards by comparabanques. Cards classification by their price in September 2023

�� How to choose the best bank card ?

The choice of the best bank card is specific to everyone. It depends on its price, the costs billed, the level of your monthly expenses, insurance and assistance guarantees you are looking for. Here are different most important selection criteria for a bank card:

�� Free or paid card

Many banks offer Cards for 0 € As is the case for Revolut, Boursorama Banque or Fortuneo with its Gold offer. Do not just opt ​​for a free visa card for its price, always look at the services and the price.

�� Card type

Know how to distinguish between the different Bank cards that you use is important, in order to know what is the limit of payments and withdrawals authorized by your bank and how much Bank card In question will cost you.

• Systematic authorization card : is a Immediate debit payment card who consults the balance of the bank account before carrying out the transaction. It will be refused if your account does not have a sufficient positive balance.
• Credit card : Payment card with which your payments or money withdrawals are not debited directly from your account. The transmitter of the credit card, most often your bank makes you credit, your expenses are therefore made from the cash flow of the bank and not your money.
• Delayed debit credit card : the delayed flow acts in the same way as with an ordinary credit card, with the exception that it is connected to your current account and draws directly from your reserve rather than in the cash of the bank. Unlike the basic credit card, it does not always grant an overdraft authorization.
• Prepaid card : A prepaid card is a rechargeable card which allows you to withdraw cash and pay purchases, within the limit of the amount available on the card. It can also be used for internet purchases. It is not possible to exceed the balance you have on the map. If you do not have sufficient balance on the card, your payment will be refused.

�� Flow nature

Immediate flow : it allows you to pay for your purchases, the amounts of your expenses to day by day, following each transaction.

Deferred debit : free option linked to your payment card. Your card payments are gathered, and debited at once, every month on a fixed date

�� Costs abroad + payment free of charge

Remove liquid and pay with your bank card all over the world by paying as little costs as possible. Fortuneo and Boursorama Banque offer offers at no cost abroad:

It is also possible with almost all neobancs and online banks comparabanques partner.

�� My free card Fortuneo Gold

• Free fortuneo even in another motto
• Boursorama 3 retreats in currency then 1.69% per withdrawal

�� My Free Boursorama card

Bank cards: comparisons and prices

The bank card is the most used means of payment by the French. At the end of 2022, 76 million bank cards were in circulation for 15 billion transactions. However, not all bank cards offer the same services. Immediate debit payment card or delayed debit ? Visa or MasterCard card ? Standard or high -end bank card ? Gold Mastercard or Visa Premier ? Here is everything you need to know to choose the bank card that suits you best !

Hello Bank! : Take advantage of 180 € offered with Hello Prime and Hello One !

Here is the detail by offer:

• One: € 80 offered for any 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +)
• Premium: 80 € offered for all 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +) + € 1 per month for 6 months

Take advantage of this offer from August 17 to October 9, 2023

Fosfo
0 €/month

✔️ No income condition

Ultim
0 €/month

✔️ No income condition

Revolut Standard
0 €/month

✔️ No income condition

Classification after consideration, by Selectra, of the price of the offer and its various characteristics. Updated data in September 2023

Become HSBC customer: make the choice of a heritage bank to accompany you

HSBC is The multi -reacked bank to help you in your financial strategy : with a wide range of banking products and one Personal advisor by your side, HSBC offers a Attractive current account offer , thought for all premium needs and with products Efficient investment products.

Fancy an expert bank with you mobilized to carry out your projects and build your wealth ? HSBC has recognized expertise and a wide range of financial products to support you in all your projects:

• Finance your projects in the best conditions : mortgage and personal loan
• Save and develop your wealth : Life insurance, more than 10 savings booklets, experts in wealth management councilors
• Invest in stock markets thanks to a wide range of financial investments to recognized expertise
• Adapt to all moments of life : Manage your accounts on a daily basis thanks to a secure mobile application among the best rated on the market.

What are the different bank cards ?

It is essential to distinguish bank cards between them in order to properly control your payment methods according to your habits and behaviors.

Withdrawal cards

A withdrawal card is not a payment card. The withdrawal cards allow holders to make, as its name suggests, withdrawals of money in ATM (Dab). This card is blocked, that is to say that the holder cannot withdraw an amount greater than that which is initially planned per week or per month.

This category of cards also allows the consultation of bank accounts, deposit operations and check -ups via an automaton belonging to the bank’s network where customer accounts are domiciled. Generally free, the withdrawal card aims to facilitate the management of its budget (young people or banking). On the other hand, it does not allow to pay.

Payment cards

A payment card provides the same services as a withdrawal card, but adds the possibility of paying your purchases in physical or online outlets. In payment cards, you must differentiate between Immediate debit payment cards, THE Delayed debit payment cards and the Prior authorization payment cards or not.

Systematic authorization cards

Systematic authorization cards work by questioning the account balance with each transaction. To debit the sum of the account in order to make a withdrawal of cash or set a purchase, the bank account must be sufficiently provisioned. If the supply is sufficient, the operation is ratified. If this is not the case, the operation is blocked. This operation does not mean that the holder does not benefit from an overdraft authorization. The overdraft threshold is generally low and previously notified in the account agreement. The two most widespread systematic authorization cards are the Electron Visa and the Maestro Mastercard. The main advantage is that it is Impossible to exceed the established ceiling with his banker. The major inconvenience that is’It is not accepted in all payment terminals, If these are not empowered to do balance control. The systematic authorization card can therefore be refused to essences, in parking lots, certain hotels, car rental companies or tolls.

Immediate debit cards

The slightest operation carried out with this type of card is directly reflected on the Bank account balance (more exactly the day after the transaction to the maximum). The advantage is that the holder of an immediate debit card quickly knows where his bank balance is. On the other hand, it can more easily fall into red, resulting in payment incidents and overdrafts that the bank will not fail to charge it.

Delayed debit cards

The amounts committed are not immediately entrenched from the balance of the bank account. All the payments made with the delayed speed card is removed one (or twice) per month (or per fortnight), on a date previously chosen by the holder. So she somehow grants a credit, reducing the risk of overdraft Not authorized at the end of the month (hence the frequent name of this type of cards as “credit card”, by abuse of language). Nevertheless, a delayed debit card requires the holder to hold an account book for his expenses strictly enough not to do so that on the fateful date of unpleasant surprises are revealed !

International cards

An international map makes it possible to make payments and withdrawals under the same conditions in the euro zone as in France. It is also usable abroad in Visa and Mastercard networks for commissions, samples punctuated by the bank at each operation (withdrawal, payment) in currencies.

Credit cards

A credit card is a private card issued by a credit institution in partnership with a brand. In fact, it can only be used in stores and points of sale of the said brand which it carries the logo. There credit card also plays the role of loyalty card. It allows you to pay purchases in brand stores and enjoy certain advantages such as priority checkout, coupons, promotions, etc.

When the customer uses this payment method as a credit card, he actually has a revolving credit which is a reserve of money available and accessible at any time. The Customer then reimburses the amount of money at rates higher than those of a conventional loan. The kitty is renewed according to reimbursements, now a certain amount of money (75,000 euros maximum allocated for at least 3 months according to the regulatory framework currently in force).

Prepaid cards

A prepaid card allows you to pay expenses for a previously capped amount. No overdraft or credit is possible. It works as a conventional payment card with systematic authorization, except that it does not require the opening of a bank account but an electronic currency account.

A prepaid card can be recharged in a banking agency or at a tobacconist. You can buy a prepaid card under anonymity in supermarkets or che a tobacconist. To keep this anonymity, your recharges should not exceed € 1000. Beyond that, the anonymity of the holder falls since he must transmit an identity document as well as a proof of address.

Our guide on prepaid cards to find out more about the characteristics of prepaid cards, consult our Comparison of the best prepaid bank cards.

Payment/credit mixed cards

A Mixed or co-branded card Allows you to pay your purchases in all points of sale and make withdrawals in DABs in France and abroad. These Bank cards can be issued by a bank or resulting from a partnership between a credit institution and a brand. With this double functionality, some of these cards ask the customer to specify the nature of the operations (debit or credit) and if they wish to use the money from the account or to draw from their renewable credit.

• Of the assistance And insurance complete
• A Online travel agency To take advantage of partner offers
• Of the shopping offers with exceptional discounts
• Of the warning to major events

Exceptional welcome offer: American Express spoils you with one year of free free For any first subscription. New Gold customers will be offered € 80 additional + 1 year of Amazon Prime subscription.

Bank card: mastercard or visa

Two networks at the international level trust the marketing of Bank cards :: Visa and MasterCard. What differences between visa and mastercard ? What are their respective offers ? Explanation.

Differences between Mastercard and Visa

Concretely, the Mastercard and visa networks formulate very close products. Their international presence is equivalent even if the Visa network appears more established in Europe, while the Mastercard network is more extensive in the United States. However, travelers have no difficulty managing their money abroad, whether with a Visa (29 million merchants and 1,000,000 automatic ticket distributors) or a MasterCard (24 million merchants and 900,000 ATMs).

In reality, it is above all necessary Compare the pricing grids of the various banks. Each banking establishment offers specificities in terms of annual contributions, payment ceilings and withdrawals, insurance and assistance guarantees or even quality of customer service. Nevertheless, on certain criteria, some differences are perceived, access to the shopping mall (commercial advantages with partner brands, especially online) being for example more extensive with the high -end Gold Mastercard that the Premier visa.

See also our article on the Gold American Express card.

How to choose your bank card ?

For Choose your bank card, It is necessary to take into account elements such as the card type (credit, payment, prepaid, card without account), flow nature (immediate or delayed), the price (contribution or free) and range (standard, high -end or prestige). After mentioning the first two criteria previously, let’s go back to the Price and the range of the bank card.

THE Fresh a conventional bank card Oscil between € 60 and € 120 per year in a traditional bank. It takes between 130 € and 150 € per year for a high -end card. However, online banks offer much more advantageous prices since some bank cards are free.

Bank cards comparison

Here is a comparison of the bank cards of a selection of online banks depending on the price, the card range and the granting conditions:

Welcome
0 €/month

Ultim
0 €/month

Boursorama Ultim Metal
€ 9.90/month

International visa card with systematic authorization

International visa card with systematic authorization

Metal visa card with systematic authorization

✔️ Immediate debit | ❌ Delayed

✔️ Immediate debit | ✔️ Delayed flow

✔️ Immediate debit | ✔️ Delayed flow

✔️
Subject to acceptance by the bank

✔️
Subject to acceptance by the bank

✔️
Subject to acceptance by the bank

✔️ Free and unlimited

✔️ Free and unlimited

✔️ Free and unlimited

✔️ Free and unlimited

✔️ Free and unlimited

✔️ Free and unlimited

1 free withdrawal per month
1.69% beyond

3 free withdrawals per month
1.69% beyond

✔️ Free and unlimited

✔️ Visa Classic insurance

✔️ Visa Insurance Premier

✔️ Visa Insurance Premier

Updated data September 2023

Hello One
0 €/month

Hello prime
5 €/month
Choose

✔️just that 180 € of advantages

✔️just that 180 € of advantages

International visa card with systematic authorization

✔️ Immediate debit | ❌ Delayed

International visa card with systematic authorization

✔️ Immediate debit | ✔️ Delayed flow

✔️ No income condition

from € 1000 in net income per month

❌ No insurance coverage

✔️
Subject to acceptance by the bank