Which 16 GB VRAM cards are cheaper than 4060 ti from intel/AMD ?
The thing is, 16GB of VRAM on the 4060 Ti could arguably be considered a waste for the vast majority of users. 8GB might be getting borderline for this level of card, and will undoubtedly become more of a limitation in games running at max settings or at higher resolutions relatively soon, but you shouldn't need to jump all the way to 16GB to prevent VRAM from being a concern for the near-future. 12GB should be plenty to largely avoid performance regressions at 1440p and keep the card viable longer. And there are some good options for 12GB cards from the competition.
An RX 6700 XT can be had for as little as $350 currently, a full $150 less than the 4060 Ti 16GB. And it offers rasterized performance within 10% of that card. And the RX 6750 XT offers roughly identical rasterized performance to the 4060 16GB for as little as $370, which is $130 less than that card. Sure, it will tend to see a larger performance hit from enabling raytraced lighting effects in games that support them, but that's a big price difference.
Or for $500, the same price as the 4060 Ti 16GB, it's currently possible to get an RX 6800 XT, a card that on average offers 30-40% more rasterized performance than the 4060 Ti 16GB, while providing the same 16GB of VRAM. And due to it having so much more raw performance, it manages to still be competitive with the 4060 Ti in raytraced games. It can still fall slightly behind in titles making heavy use of RT, but in lighter implementations it tends to be the faster card.
Really, it would have been much better if the 4060 Ti were offering 12GB at around the $400 level, while reserving 8GB for cards around $300 and below. And they could have done that without negatively impacting performance had they used a cut-down version of the same chip used for the 4070 and 4070 Ti, while relegating this one to the 4060 and 4050. And I fully suspect that's what their original plan was when they were designing these graphics chips, before they decided to shuffle the hardware to higher price points in the wake of the crypto-shortages.