It is your misconception that card cost nothing, because when you see the fee structure then you will understand that how much you will have to pay while you do any atm transaction, and how much money will you pay while you are loading your card. If you want payment processor with debit card, then you can use paypal, payza, solid trust pay. These three have debit card option, but solid trust pay is creating problem with card attachment, and you can order payoneer debit card through your instaforex account, that will cost you almost 40$ for card, and you can withdraw your money directly to your instaforex card.