what I need is a card-to-card transfer (Visa Direct, MasterCard MoneySend).
I don't see those payment methods available in Bisq, so it makes me assume they can easily be reversed which might explain why you're seeing high fees when you see these offers in Bisq2.
By the way, here's an interesting observation. These methods are quite convenient, and people are willing to use them (otherwise no one would respond to my offers), but for some reason offers with these payment methods are very uncommon.
Unfortunately, convenience can be expensive.
Cant you use revolut or any European bank that accepts sepa? There are many online banks in europe.
According to google, neither Revolut nor SEPA are available in Russia.
A quick google search shows that Russia has a digital remittance service of their own; SBP (Fast Payment Service,) but at the moment I don't see any buy or sell offers for Rubles in Bisq. SBP is listed as one of the payment types in Bisq, so maybe internetional can be the first to start a trend.