physical debit cards
One stores bitcoins in his account, and they are spent when one uses the card. (The account is in bitcoins.)
So, one time you will have to wait before their plastic card arrives, and then either deposit a larger amount of bitcoins to your account and spend them instantaneously at shops, or transfer your bitcoins to your account whenever you need to spend them, and probably wait for the not-so-long delay before the standard 6 confirmations of the bitcoin network (or the like).
(Open questions: What exchange rate is used then? Will there be a commission for using the card for payments in shops in Russia? What will the exchange rate from USD to Russian rubles be? Are there any experience reports about this service?)
I'm not sure they ship cards internationally... (http://www.bitcoindebit.net/order.php expects only addresses in the U.S.)
You can open a wallet at http://okpay.com, and load it with bitcoins (Mt.Gox rate with 3% commission), order their plastic card and use it. (The wallet is in USD, or EUR, or RUR, i.e. not in bitcoins, the bitcoins are exchanged at the moment of deposit.)
There is a one-time delay for the delivery of the plastic card (and your ID and address confirmation).
Other withdrawal methods from OkPay:
Also, perhaps, it's possible to transfer from OkPay through Contact electronic money transfers to one of your existing plastic cards (I hope it's quick). (Even though my TCS bank has such an instantaneous reloading method (through Contact) and OkPay has such a withdrawal method, it seems not be possible to transfer directly from OkPay to the bank account via Contact without coming to an office and receiving cash first from OkPay, and then depositing it again. So, it's not very convenient.)
Also it's possible to transfer the money from OkPay to another system like Qiwi (which would allow to load my bank's card instantaneously) through an exchange like http://cash4wm.com (it has quite many bad reviews though 1 (in Russian), 2 (in Russian), 3 (in Russian); still, it worked for me for a small amount of money. I couldn't find other OkPay->Qiwi transfer services.)
(And there are experience reports with OkPay: 1 (in Russian).)
- AurumXchange (a service often mentioned together with bitcoin) offers debit cards (but one cannot pay directly with bitcoins to load them, one has to trade somewhere else to exchange bitcoins into some USD-like e-currency):
At this time we offer our Instant Load AurumXchange MasterCard for
free to our premium members. The card is shipped worldwide for free by
regular airmail, and for those users wanting a speedier delivery,
there are shipping upgrade options for an additional fee.
So, there is a one time delivery delay before you can use the card.
Western Union prepaid cards
In a thread at bitcointalk.org, they suggest to load a Western Union prepaid card with bitcoins through http://cheaperinbitcoins.com.
So you will have to wait one time for the delivery of the WU plastic card, and then you could load it with bitcoins whenever you need this.
But http://cheaperinbitcoins.com doesn't seem to work anymore.