I looked into a few different brands (Luminor, Swedbank, Citadele) but they were all the same no one gave you a debit card without a monthly fee (only exception if you were 16-18 years old) and you don’t get any rewards for using them. The closest thing I found was these [x cards](https://www.citadele.lt/lt/private/x-cards/) but still, the reward program is mostly for people that live in the big cities so most of the rewards will go to waste.
I would like something that had cashback like most of these American debit/credit cards have and I mean an actual cashback program (go into any store and you get a few percent back) not a you go into a few specific stores of which I have never heard of before and they give you a few percent back.
I don’t even care about the cashback that much I just want a debit card that doesn’t drain my account every month (I understand 2/3 euro per month isint that much but that’s still that 24/36 euro per year for basically nothing).
8 comments
I think I’m paying 1e/month at swedbank, don’t think you will find anything better than that
Just use Revolut. It’s not hard to set up and has decent customer service
Swedbank
Revolut. Easiest and most comfortable. Plus english app
Swedbank. Low fee, good app.
Lithuania hasn’t got cashback.
reward/cashback cards is not a thing outside of US. Want free – get Revolut.
> I would like something that had cashback like most of these American debit/credit cards have and I mean an actual cashback program (go into any store and you get a few percent back) not a you go into a few specific stores of which I have never heard of before and they give you a few percent back.
Cashbacks are not a thing here.
Cards in the US operate in a very different way. The fees are much higher, so the companies can afford to give out cashbacks. In EU, on the other hand, the fees are capped at a much lower rate.
Similar to other benefits, such as chargebacks, etc. These things are usually handled by consumer protection agencies instead card processors. You still can file claims for fraudulent charges with the bank, but that’s about it.
> I understand 2/3 euro per month isint that much but that’s still that 24/36 euro per year for basically nothing
You’d probably pay the same in the US, or more, in transaction fees that are included in the price. So it’s not that you pay here for something you get for free in the US; it’s just that the pricing is more transparent.