Credit cards for motorists. Cards with high cashback at gas stations and cars
Fuel costs can be a significant part of the budget of a person or family who owns a car. The best bank cards with cashback at gas stations allow you to save a significant amount when purchasing gasoline, diesel fuel and other goods at gas stations. There are many offers on the market with suitable programs. A list of cards with the best conditions will help you quickly select the optimal product in a particular situation, as well as understand all the nuances in advance.
Cashback is a return of part of the purchase price by the bank under a loyalty program. Banks often offer motorists an increased amount of cashback at gas stations. In this case, it is determined that the operation occurred at a gas station using the MCC code. These are 4 digits that are assigned to a trading organization and transmitted by the terminal along with other transaction data (amount, plastic data).
Banks award cashback at gas stations if the transaction is carried out with one of the suitable MCC codes. Their list is given in the full rules of loyalty programs. Typically, gas station terminals have one of the following MCC codes:
- 5172;
- 5541;
- 5542;
- 5983.
The bank may offer increased rewards for motorists using other codes. For example, some banks include in the “Auto” category not only gas stations, but also car washes and car services.
How to choose the best bank card with cashback for gas stations
When deciding which card to choose for a gas station, you need to pay attention not only to the size of the cashback, but also to the type of plastic you need. If you plan to pay for purchases exclusively with your own money, then you need to consider offers on debit cards, and if you want to use bank money to pay at gas stations and other places, you need to choose the appropriate option from the list of credit cards.
When choosing where to apply for a card with cashback at gas stations, you should also pay attention to the following points:
- Inexpensive or completely free card service. Plastic must pay for itself and bring profit, not loss. Expensive cards are of interest only to those who plan to use them actively and are going to use the privileges available with them.
- Conditions for receiving cashback. It can be awarded in rubles or points; if it does not come in money, then you need to study the terms of compensation for points. Additionally, you need to pay attention to the minimum purchase amount for accrual of rewards, the maximum return amount per month and other nuances.
- Additional cashback categories for car enthusiasts. Saving on fuel is good. But if the bank also pays increased cashback for car sharing, parking, and transport, then the card will allow you to get great benefits.
Additionally, you need to think about which bank is best to order a card from. You should trust large financial institutions with good ratings from leading rating agencies. This will allow you not to waste time and not lose bonuses or money if the bank encounters unforeseen problems (for example, license revocation).
TOP 14 most profitable cards with cashback at gas stations in 2019
The rating of bank cards will make choosing the optimal plastic easier. At the same time, the client does not have to study the entire huge range on the market. When compiling the rating, cards with large cashback at gas stations from reliable banks that are popular with customers were selected.
Alfa-Bank debit card with 10% cashback
Cashback card- the best offer in 2019 for car enthusiasts from Alfa-Bank. This multi-currency card is suitable for use both in Russia and when traveling to other countries. It is possible to receive instant plastic on the day of application, and you can also order delivery of the card.
Benefits of an Alfa Bank debit card
- Cashback up to 10% at gas stations, when paying in restaurants – up to 5%, and for other purchases – up to 1%.
- There is no service fee for expenses over 10 thousand rubles. and more or with balances of 30 thousand rubles. (in other cases, plastic costs 100 rubles/month).
- Possibility to receive up to 6% on your balance.
- Free cash withdrawals from all ATMs if the conditions for no service fees are met.
Cashback is paid in rubles and can be spent at your discretion without restrictions.
Free MTS CashBack credit card
MTS CashBack— free card with cashback at gas stations and other purchases, credit limit up to 299 thousand rubles. and an interest-free period. You can get a credit card at an MTS store or with free courier delivery. Only the production of plastic is paid - 299 rubles.
Why are the conditions of the MTS CashBack card interesting?
- interest-free period of up to 111 days;
- the ability to use not only credit, but also your own funds to receive cashback;
- 5% cashback at gas stations, supermarkets and cinemas, as well as 1% for everything else;
- Up to 25% cashback from partners.
Cashback is credited to your bonus account. You can use it to pay for communication services or purchases in MTS stores. The maximum remuneration amount per month is 10,000 rubles. If the debt is not repaid during the grace period, a rate of 11.9-25.9% is applied.
Tinkoff Drive debit card for motorists
Tinkoff offers the best cashback at gas stations using the Drive card, auto services and payment of fines, parking and toll roads. The card is issued free of charge and delivered by courier. Monthly service fee 190 rub. it is not charged for balances of 150 thousand rubles. or active credit.
5 reasons to apply for Tinkoff Drive plastic
- opportunity to buy fuel with 10% cashback;
- 5% cashback for any car services, parking fees, fines;
- refund of bonuses for any purchases in the amount of 1%;
- the opportunity to receive up to 30% cashback from partners;
- free transfers using details and up to 20 thousand rubles. per month for third-party plastic.
They award cashback bonuses. They can be used to compensate for payments for car services (at a rate of 1 to 1) or payments at a gas station (rate - 1.5 bonuses to 1 ruble). Bonuses are exchanged instantly through online banking or an application.
Chetverka debit card from Unicredit Bank
Next in the ranking of the best cards with cashback at gas stations is the “Four” card from Unicredit Bank. It allows you not only to receive bonuses for purchases, but also to use the “Driver Package” service, which includes consultations with a lawyer and technical specialists. With expenses from 10 thousand rubles. per month, the client additionally has access to roadside assistance services (fuel delivery, car towing, etc.).
The main advantages of the “Four” card from Unicreditbank
- up to 10% cashback for gas stations, taxis, car sharing, parking and public transport;
- 1% cashback on other purchases;
- up to 15% cashback from partners;
- cash withdrawal without additional fees from ATMs of Unicredit and partner banks (MCB, Otkritie and others).
Remuneration is paid in rubles. In 1 month you can return a maximum of 4000 rubles. (of which for gas stations, parking lots and toll roads - up to 1000 rubles).
OpenCard of Otkritie Bank with cashback up to 12% on fuel
OpenCard is suitable for those who want to receive cashback at any gas station. It is available in debit and credit (limit up to 500 thousand rubles) versions. Plastic is serviced free of charge without any conditions. They charge a fee of 500 rubles for the issue, but this is returned in bonuses.
Let's look at why the Otkritie cashback card is attractive for a car enthusiast.
- The largest cashback at gas stations is up to 12% if all conditions are met and 1% reward for other purchases. The “Auto and Transport” category also includes the metro, car sharing, taxis and ground public transport. Instead of the increased reward category, you can choose cashback of up to 3% for everything.
- Free replenishment from any cards. And from a debit card you can also transfer up to 20 thousand rubles to other cards. per month without commission.
- Common bonus account for all OpenCard cards. You can use it to accumulate bonuses on your credit card and debit card at the same time.
- The grace period for lending is up to 55 days and the rate is from 19.9%. These opportunities are available with an Opencard credit card.
Cashback is awarded in bonus rubles. They can be used to compensate for any purchase in the amount of RUR 3,000 or more.
Free Halva installment card with 6% cashback at partner gas stations
"Halva"- a universal free installment card, popular among motorists, with the opportunity to receive high cashback at gas stations from among partners. The client will receive a maximum reward of 6% for paying by phone (Google Pay, Apple Pay) at his own expense. When paying by card, the reward amount is 2%. Outside the affiliate network, cashback will be 1%, regardless of the payment method.
Advantages of the Halva card
- the ability to make purchases in installments for up to 18 months;
- credit limit from the bank - up to 350 thousand rubles;
- accrual of up to 7% on the balance;
- There is no commission for withdrawing your own funds from any ATMs.
Cashback is awarded in points; you can get a maximum of 5,000 points in 1 month. You can exchange them for rubles in your personal account or application.
Bank card #CanAll from Rosbank
#Everything is allowed- another card that allows you to receive increased cashback at any gas stations (Gazpromneft, Rosneft, Lukoil, etc.). It is issued by Rosbank in the form of a debit card and a credit card with a limit of up to 1 million rubles. Car enthusiasts can get up to 10% cashback for gas stations, car services, car washes, parking lots and 1% for everything else. Other cashback categories and Travel bonuses are also available to choose from.
Main features of the #CanEverything line of cards from Rosbank
- Free service for monthly purchases over 15 thousand rubles. It is also provided for debit cards if the amount of credited funds is from 20 thousand rubles. or with balances of 100 thousand rubles. on any accounts.
- Credit cards offer a grace period of up to 62 days. It only applies to purchases.
- With a savings account you can get up to 8% on your balance. You can open it through the application or online banking.
- Additional bonuses from partners. When shopping with them you can get cashback up to 20%.
The minimum cashback per month for payment is 100 rubles, and the maximum you can return under the program is 5,000 rubles. per month. Cashback is credited in money.
Registration or
VISA debit card #allstraight from Raiffeisenbank
#All at once– another profitable debit card from Raiffeisenbank. It allows you to receive cashback at all gas stations and on purchases in any other stores. Servicing the card costs 1,490 rubles. per year, but for promotions it is possible to register without charging this fee.
Distinctive features of plastic #Allat once
- The maximum cashback amount is 3.9% for any purchases.
- Simultaneously with the issuance of plastic, a savings account is opened, allowing you to receive up to 5.5% on the balance.
- You can withdraw cash without commission through devices of Raiffeisenbank and partners.
For every 50 rubles spent. 1 bonus point is awarded (from the second year - for every 100 rubles). You can spend the accumulated bonuses on partner certificates, charity, or exchange them for money. To get the maximum cashback, you need to accumulate 20,000 points and exchange them for 50,000 rubles. You can get up to 1000 points in 1 month.
Fuel with cashback on Polza Home Credit Bank debit card
The “Polza” debit card from Home Credit is another banking product in the rating that allows you to receive cashback for purchases at gas stations and any other. They release plastic for free. You also won’t have to pay for its maintenance if you spend more than 5 thousand rubles. per month or balances over 10 thousand rubles. In other cases, the card costs 99 rubles. per month.
The main differences between the “Benefit” card and its competitors
- Accrual of up to 7% on the balance.
- You can withdraw cash without commission from third-party ATMs 5 times a month.
- Cashback up to 10% when paying for fuel at a gas station, up to 15% for purchases in pharmacies, 3% for “Entertainment” and 1% for the rest.
- Additional cashback from partners – up to 15%.
Rewards are awarded with “Benefit” points, which can be easily exchanged for rubles at a rate of 1 to 1 in the online bank. You can receive a maximum of 5,000 rubles per month from the loyalty program. Basic cashback (without promotions) for the “Gas Stations” and “Pharmacies” categories is 3%.
The best Russian Standard credit card with cashback for gas stations
Platinum– the best credit card with a cashback program for car owners. As part of the promotion, new customers can choose the 3 best categories of increased cashback, including gas stations. For them, a cashback of 5% is awarded, and for everything else it will be 1%.
Advantages of the Russian Standard Platinum credit card
- grace period for purchases up to 55 days;
- installment plan for purchases from partner companies for up to 2 years;
- additional cashback from partner companies of up to 15%.
To receive a reward, you must spend at least 5,000 rubles in 1 month. They award it with bonuses, which can be used to exchange goods and certificates from the catalog, and they can also be used to pay for communications, housing and communal services through online banking.
Sberbank debit card with big bonuses up to 10% at gas stations
Card “With big bonuses”- the best offer for car enthusiasts from the largest bank in Russia. It is produced free of charge, but annually its holder must pay 4,900 rubles for maintenance.
The main advantages of the card “With big bonuses”
- payment at gas stations with a 10% cashback (up to 20% for promotions), a similar reward is awarded for trips to Yandex.Taxi and Gett;
- paying bills in cafes and restaurants with a 5% cashback (10% for promotions);
- payment for purchases in supermarkets with a cashback of 1.5% (3% on promotions) and for all other purchases with a reward of 0.5%;
- SMS notifications about transactions and emergency cash issuance are provided free of charge if the plastic card is lost in another country;
- privileges for the holder from the payment system (discounts, increased cashback).
They award bonuses. Thank you. They can be spent with partners or on Sberbank websites (for travel, gift certificates, etc.).
Tinkoff Black with increased cashback for purchases at gas stations
Tinkoff Black– another interesting map for car enthusiasts. Cashback is credited in the amount of 1% for everything and 5% for 3 selected categories from the list offered by the bank. If the category options include gas stations, then you can receive a 5% return on them for 3 months. Then the bank will offer to select other or the same categories.
Main features of the Tinkoff Black card
- There is no service fee for a balance of 30 thousand rubles, a deposit of 50 thousand rubles or more, as well as for an active loan (otherwise - 99 rubles / month).
- Additionally, you can get cashback from partner companies in the amount of 3-30%.
- Interest is charged on the balance up to 300 thousand rubles at a rate of 6%.
- You can withdraw cash from any ATM for free (minimum RUB 3,000 at a time).
- There are no fees for interbank transfers and when transferring to third-party cards up to 20,000 rubles. per month.
Cashback is paid monthly in rubles. For a maximum of 1 month, you can receive 3,000 rubles under the loyalty program.
Cashback at Lukoil gas stations using a co-branded Otkritie Bank card
The rating is completed by a co-branded card from Otkritie Bank and Lukoil gas station. It is aimed at drivers who prefer gas stations of this company. It costs 299 rubles. But they do not charge a fee if the balance is maintained at the level of 300 thousand rubles, when replenishing the account in the amount of 50 thousand rubles. and payment for at least 1 purchase per month or with a balance of 150 thousand rubles. and expenses from 20 thousand rubles. per month.
Main features of the Lukoil card from Otkritie Bank
- 300 bonuses as a gift when making your first transaction;
- 1 bonus for every 50 rubles spent at Lukoil gas stations, and 75 rubles. – spent in other places;
- There are no fees for withdrawing cash from third-party devices if the conditions for free plastic service are met.
Accumulated bonuses can be spent at Lukoil gas stations on fuel and other purchases at a rate of 1 to 1.
Ultra Card - a profitable card for gas stations from Svyaz-Bank
Another profitable cashback card for gas stations is the Ultra Card from Svyaz-Bank. It combines rewards for purchases and the opportunity to earn income on your balance. There is no need to pay for service for expenses over 10 thousand rubles. per month, and in other situations it costs 149 rubles. per month.
Benefits of the Ultra Card cashback card
- Cashback at gas stations – up to 10%. You can also select another category - “Taxi”, “Entertainment”, “Children’s goods”, “Sporting goods”.
- Receive cashback for other purchases. It is charged up to 1%.
- Interest on balance. They are charged at a rate of up to 5% per annum.
- There are no fees for cash withdrawals from any ATMs. Without commission in third-party devices you can get up to 10 thousand rubles. per month.
- Free SMS notifications. It includes messages about all purchases.
Rewards under the loyalty program are paid in rubles. You can spend them at your own discretion.
How to get the biggest benefit or cashback at a gas station
Bonus cards from gas station networks allow you to increase your savings when purchasing fuel at gas stations. They can be used simultaneously with cashback cards to receive discounts. Additional savings can be achieved by purchasing fuel in advance through apps or using fuel cards. They can also be combined with bank cards that provide cashback at gas stations.
Gas station bonus cards
Almost all gas station chains issue bonus cards for loyalty program participants. You can use them to get a discount or accumulate bonuses and then use them to pay for gasoline and goods.
For example, under the “On Our Way” program, Gazpromneft allows you to receive up to 3 bonuses for every 1 liter of fuel purchased and 1 point for every 50 rubles spent on other goods. The accumulated points can be spent on fuel and purchases at gas stations at a rate of 1 to 1.
By simultaneously using a bonus card and a bank cashback card, you can receive double benefits and save more.
Turbo application for online purchase of fuel at Gazprom Neft gas stations
Turbo app for smartphones allows you to purchase fuel in advance at competitive prices. At the same time, you can use a cashback card from the bank to pay for it and receive bonuses in full. When it is necessary to refuel, the driver needs to select a gas station in the smartphone, indicate the column and insert the pistol into the tank.
Main features of the Turbo application
- the price of 1 liter of fuel is lower than at a gas station, especially when purchasing large packages;
- You can refuel with pre-purchased fuel at Gazpromneft and ESA gas stations connected to the system (their number is growing);
- special prices and promotions are offered to Citymobile taxi drivers and clients of some banks.
Fuel card Petrol truck
Gasoline tanker– universal fuel card. After replenishing her balance, she can pay for gasoline with a 5% discount at partner gas stations (Gazpromneft, ESA and other networks). For every 10th refill the discount will be increased to 10%.
When replenishing the balance of the Petrol Voz card through the website, use the MCC code 5541. This allows you to additionally receive cashback on your bank card and increase savings on fuel. The list of gas stations is constantly updated. It is available on the website and app.
The best bank cards with cashback at gas stations can reduce fuel costs by 5-12%. And if you use loyalty cards from gas station networks, special applications or fuel cards together with them, you can save up to 15-20% from each liter of gasoline or diesel fuel.
July 2019
Everyone who has a personal car tries to save as much as possible on fuel costs. How can we prevent this from affecting the quality of the product? Today, many bank cards with cashback at gas stations provide this opportunity. How to find a truly profitable option among the abundance of offers? Below are the most popular financial products in this category.
5 cards with the biggest cashback at gas stations
Cashback is one of the most popular options provided by banks. It is quite simple to use, and the savings can be quite impressive. By receiving back part of the funds already spent, a person is a priori motivated to further use the offer. In addition to the already promoted promotions in retail food chains, the companies decided to go even further and offered users to return part of the money spent on fuels and lubricants. The following organizations have made such offers for motorists.
Opencard debit card from Otkritie Bank
The bank offers users to issue a card that provides good cashback. Until recently, using debit you could only count on a general cashback for all purchases of up to 3%. Now the bank has introduced special categories with increased cashback, which include “Gas Stations and Transport”. You can get up to 11% cash back on purchases in the selected category. The cashback accrual option or special category can be changed once a month through mobile or online banking. The Opencard debit card with cashback at gas stations is not only fuel benefits, but also an attractive list of the following features:
- absolutely free service;
- Cash withdrawal without commission from ATMs of any banks (up to 500,000 rubles per month);
- commission-free transfer of funds to cards of other financial institutions.
Apply for a card
AutoMastercard from UniCredit Bank
This product from UniCredit Bank was introduced relatively recently. The card is issued within the Mastercard World payment system. Increased cashback at gas stations here is up to 10%. You can return no more than 2,000 rubles per month. Other features of debiting include:
- the card is serviced free of charge if the amount of monthly transactions on it is from 10,000 rubles;
- free cash withdrawals from ATMs of UniCredit Bank and partners;
- the cost of the SMS alert service is 60 rubles per month;
- Cashback for any purchase is 1%.
Attention, “Cashback ×2” promotion! Those who apply for a card using the link below will receive double cashback until December 31, 2019 in upgraded categories (gas stations, public transport, toll roads, taxis, car sharing and parking). For purchases in these categories, the maximum return will be not 10, but 20%!
Apply for a card
CashBack card from Alfa-Bank with a 10% return on gas station fill-ups
A bank card with cashback on fuel from one of the largest domestic financial companies allows you to save up to 10% of its trade value when purchasing fuels and lubricants. The only condition is that you need to spend at least 70,000 rubles per month on the card at any retail outlets.
After the points are credited to the card, you can receive cashback by converting it into cash no earlier than 30 days from the date of the last bonus crediting. Additionally, you can get a link to a personal savings account - in this case, the owner of the plastic card will provide himself with an income of 6% per year on the balance of funds.
Apply for a card
Universal MTS CASHBACK card with cashback at gas stations
Cashback at gas stations can also be obtained from MTS Bank using the universal MTS CASHBACK card. And quite significant - up to 5% of the amount spent on gasoline. The cashback limit is up to 10,000 rubles per month. With plastic, an increased 5% cashback is awarded for purchases in categories (supermarkets, gas stations and cinema), as well as a basic 1% cashback for other purchases on the card. It is worth noting that this product combines the functions of a credit and debit card.
The terms of service for MTS CASHBACK are as follows:
- grace period for lending - 111 days (does not apply to cash withdrawals);
- cost of issue - 299 rubles (the amount is debited after the first transaction on the card);
- completely free service;
- interest rate after the end of the grace period - from 11.9 to 25.9%;
- credit limit - 299,999 rubles;
- The minimum payment is 5% of the debt amount (at least 100 rubles).
Own funds can be withdrawn without commission at any ATM up to 50 thousand rubles per day and up to 600 thousand rubles per month. To withdraw credit funds, you will have to pay 3.9% of the withdrawal amount + 350 rubles.
Apply for a card
Debit card “Polza” from Home Credit Bank
This popular debit product from Home Credit has changed the categories of increased cashback. Now an increased return is awarded for purchases in the categories “Gas Stations”, “Cafes and Restaurants” and “Pharmacies” and is 3%, 10% is returned in the category “Clothes and Shoes”. The card is issued free of charge, and the monthly service is 99 rubles (or 0 rubles if the client spends more than 5,000 rubles per month using the card or maintains a constant minimum balance of at least 10,000). The “Polza” debit also provides the following preferences:
- up to 20% cashback for purchases from partners;
- 1% cashback for other purchases;
- up to 100 thousand rubles per month can be withdrawn free of charge from ATMs of any banks (if wages are received on the card, then you can withdraw funds through third-party ATMs without any limit on the amount);
- Interest is charged on the balance of your own funds - up to 10% (as part of the promotion for new clients).
A car is not a luxury, but a means of transportation. And even if you belong to the category of people who agree with this expression, you probably won’t deny that quite a small part of your own income is spent on maintaining a car.
A way to reduce expenses is through cashback cards for cars, gas stations and other car-related transactions. You pay with plastic and get back part of what you spent.
Even if you already have a similar map, I still advise you to familiarize yourself with the selection. Banks are constantly improving conditions for plastic products that provide cash back on cars and related expenses. A card received 2-3 years ago, which was the best offer on the market at that time, today may be mediocre at best.
Criteria for choosing a card with cashback at gas stations
Where to begin? Or how to choose the optimal plastic that’s right for you?
Typically, most pay attention to the percentage of the refund provided. There is some truth in this. But….
In addition to this parameter, the card may have various features, restrictions and exceptions. As a result, it may turn out that the chosen plastic card with the maximum promised cashback on the market will lose in terms of “profitability” to other cards with modest indicators.
What to pay attention to.
Cashback amount. The main purpose of the card is a high cashback amount for the categories we need. In this case, “Auto”. Banks offer returns from a modest 2-3% to 10% of the transaction amount.
Monthly limit. Banks are introducing a maximum limit on the amount returned per month in the form of cash back. It can be either 1-2 thousand rubles or tens of thousands. The restriction may result in losses for cardholders. Of course, not in the literal sense, but as lost profit.
For example, on a card with a 10% return and a limit of 2 thousand per month, you can “profitably” spend 20 thousand rubles. Anything over this amount will not be rewarded by the bank. For some this will be enough. And for other car owners it will result in a loss of remuneration at significant costs.
Money or points. The ideal card returns real money to the owner. Some may award candy wrappers (points, bonuses, miles, etc.). Which can be offset against future purchases. But sometimes, for this it is necessary to accumulate them over a certain period of time. As a result, the owner cannot fully experience the return on purchases every month.
Paid or free. A card without annual maintenance and cashback is certainly good. But usually the most “delicious” and higher return rates are in most cases only for paid cards.
Debit or credit. With credit cards, banks pour an increased amount of porridge. Naturally, we mean cards with an interest-free lending period. When you can use the bank’s money during the grace period without paying the bank a penny on top in the form of interest.
And if you consider yourself a disciplined client and are not afraid to break the rules for using plastic in the future, then you can consider this option. Spend borrowed funds and put your own funds into circulation, for example, keep them in an expense-replenishable deposit. And additionally receive profit in the form of accrued interest.
Otherwise, any step to the right or left (or jumping on the spot) will be considered by the bank as a violation and will be punishable by penalties. As a result, the credit card can become golden for you. Literally. All benefits received from the cashback program will disappear.
Bank reliability. Money on the card is not insured by the DIA (deposit insurance agency). If problems arise with a credit institution, you can get into a number of troubles. Therefore, it is better to avoid small and unreliable banks, although they promise simply “fabulous” conditions for their card products.
Easy to remove and refill. The card should be convenient to top up and withdraw cash from if necessary. We need a wide network of terminals of the bank or its partners, where you can carry out the necessary operations without charging a fee.
If you are friends with mobile and online banks, then the main thing is the absence of commissions for transfers (withdrawal and replenishment) using a card (cart2cart) from other banks. In this case there is no problem. Top up another card at your local ATM (for example, Sberbank). And then you withdraw money from it onto your “auto-card”. And vice versa, if there is a problem with the availability of the necessary ATMs, carry out the reverse operation.
Rating of cards with cash back for Auto
There are dozens of cards in circulation on the market of card products with the return of part of what was spent on a car. With all the variety of choices, there are not so many truly worthwhile programs. The selection includes only the most interesting offers that can provide a good amount of reward. And popular.
Tinkoff Drive
A card with a self-explanatory name.
What Tinkoff offers with its autocard.
The cashback amount depends on the category of spending:
- payment at gas stations - 10%;
- category of car services - 5% (car washes, car services, parking and travel on toll roads);
- payment of traffic police fines - 5% (in the bank’s online account).
Accounting is done in points. Once you accumulate 2,000 points, you can redeem past purchases. Select the operation for which you want to receive money. Bonus points are debited and real money is credited to your account. Instantly.
The standard conversion rate is 1 point - 1 ruble.
But there is a small nuance. For gas station category compensation, the exchange takes place at the rate of 2:3.
For example, we filled up for 2,000 thousand rubles. When exchanging for points, you will receive 1333 rubles and kopecks in your account. Draw your own conclusions about what is better to exchange points for.
A couple more points you need to know about!
The maximum monthly limit for accruing points at a gas station is 1,000. That is, it is not advisable to refuel with a card for more than 10 thousand rubles per month.
For other expenses, you can earn up to 10,000 points (expenses up to 200 thousand per month).
The bank produces two types of plastic: debit and credit.
Terms of service (their point system is identical).
The difference is in the cost of servicing and restrictions (applies to a credit card) on cash withdrawals.
- cost of service: debit - 190 rubles per month (2,280 per year). Credit card - 990 rubles per year.
- SMS - 59 rubles (it’s better to turn it off immediately. All the necessary information is in your personal account).
Briefly about the credit card:
- interest-free grace period - 55 days;
- interest rate up to 29% per annum (if you do not meet the grace period).
Naturally, it is better not to face penalties. And try to use the money for free during the grace period.
So which card should you choose? On the one hand, debiting is several times more expensive. On the other hand, when choosing a credit card, we risk getting caught on the counter. In case of violation of the free use period.
I chose a credit card for myself... but I use it as a debit card. I immediately transferred the required amount over the credit limit. And my head doesn't hurt. You don't need to keep track of all these billing and payment periods. Although, to the credit of the bank, when I initially used credit funds, they honestly warned me in advance (several days in advance): Don’t forget to pay so much money by such and such a date.”
You can order a card (like all other bank products) by leaving a request on the official website. Delivery to the client is available. They will deliver it to any convenient place and time. For free.
Additionally, you can earn a little money right away.
You can connect one of the options included in the Multicard kit and receive increased cashback in the selected category.
Options available to choose from:
- auto - up to 10%;
- entertainment and restaurants - up to 10%;
- travel - up to 4%;
- cash back on everything - up to 2%.
You can change the options yourself once a month. And receive cashback in the desired category.
Debit and credit cards are issued. The conditions for them are identical. In addition, the credit card has a 50-day interest-free period.
The cost of service is 249 rubles per month.
Completely free if the condition “15 thousand rubles” is met:
- Monthly expenses.
- Balance in bank accounts.
- Receiving wages.
The main thing is that the monthly amount for any of the above items is not less than 15,000 rubles.
The multicard gives cashback up to 10% in the “Auto” category. Refunds are made in real money next month.
The refund rate depends on the amount of spending per month:
- up to 15 thousand - cash back will be 2%;
- up to 75 thousand - 5%;
- over 75,000 - 10%.
The limit on receiving remuneration is 4 thousand rubles per month.
Important!
For card transactions up to 5 thousand per month, cashback is not credited.
Additionally!
If the “Auto” option is enabled, cashback will not be counted for transactions in other categories.
You can issue up to 5 additional cards for free. With a single account. This will make it possible to summarize all completed transactions and reach the maximum amount of cashback received.
The site has a detailed review from VTB with all the hidden conditions and features of use.
Alfa Bank - cash back 10%
The card is a veteran in the auto cashback market. The offer has been in effect for several years and is still relevant. The demand for plastic is high and the bank is constantly extending the program.
Basic conditions.
- up to 10% for refueling at gas stations (depending on the amount of monthly expenses);
- up to 5% in the restaurants and entertainment category;
- 1% of other expenses.
Card maintenance - 100 rubles per month. When spending more than 10 thousand per month or a total cash balance of 30 thousand rubles, no fee is charged.
The monthly limit for receiving cashback (meaning the total amount of reward for all purchases) is limited to 15 thousand rubles. But no more than 5 thousand per category. When spending more than 100,000 per month, the limit expands to 21 and 7 thousand, respectively.
Autocard - Otkritie Bank
A debit card allows you to receive cashback for gas stations, car washes, car rentals, paid parking and roads.
The remuneration amount varies from 2% to 5% depending on the connected tariff. The cheapest one will cost 99 rubles per month.
The card has interest on the balance, on your own funds.
You can reduce your service fee to zero if you meet any turnover requirement (depending on the connected package).
Conditions for the free package:
Basic tariff:
- The average monthly account balance is from 70 thousand rubles + at least one purchase transaction has been made using the card.
- Average monthly balance from 50 thousand + purchases per month in the amount of more than 10 thousand.
- Purchases with the card from 20 thousand rubles.
- Top up your card with 20 thousand + 1 any purchase per month.
Tariff "Optimal"
- Account balance: 300 thousand + one purchase transaction.
- 150 thousand + 20 thousand expenses.
- Purchases from 50 thousand per month.
- Top up your card from 50 thousand + 1 purchase.
Premium tariff
- Balance – 1 million + 1 purchase for any amount
- The balance is 600 thousand + expenses from 50 thousand.
- Replenishment from 200 thousand + spending on the card 50 thousand.
The easiest way to make the card free is to make the bank a salary bank and receive your salary on the card. You can, of course, top up the card in any convenient way with the required minimum amount. Bank tariffs clearly state that the source of funds is not important.
The monthly limit for receiving cashback is limited to 3,000 rubles per month.
Important!
For transactions not included in the “auto” category, cashback is not credited.
Lukoil map - and again Opening
Co-branded card from Lukoil. Refunds are made in points. One point - one ruble.
As in the previous case (autocard), you need to connect one of the tariffs. The free conditions are identical.
Depending on the connected tariff (basic, optimal, premium), we receive 1 point for every 50 rubles at the gas station. For other expenses - 1 point per 100/75/60 rubles.
The resulting cash back amount on the Lukoil card is 2% and 1 / 1.33 / 1.66%, respectively.
Additionally.
Welcome bonus for the first purchase using the card: 200/300/600 points.
MasterCard Gold Package from Raiffeisenbank
Plastic gives 5% cashback at gas stations. The monthly limit on receiving remuneration is 3,000 rubles.
The card opens only when you activate the “Golden” package. The package costs 500 rubles per month. Either you need to spend at least 30 thousand on the card monthly or have at least 300,000 rubles in your bank accounts. Then there is no charge.
Peculiarity. The bank may, at its discretion, change the cash back category. For example, until April 2016, this card had a return program for restaurants/bars/cafes.
Rosbank - autocard 5%
Rosbank gives you the opportunity to return:
- 5% for gas stations, car washes, parking lots
- 1% for everything else.
Among the features:
- interest on the balance - up to 6.5% per annum;
- annual maintenance - 1,500 rubles;
- The monthly cashback limit is 5,000 rubles (per car) and 7,000 total (including the car category).
Cards with high cashback for everything
It is not necessary to have a card with an increased return on cars. There are “profitable” card products that provide good rewards for making any transactions to pay for goods and services. And it was right to include them in our rating.
Perhaps such versatility will be more interesting than owning several cards (and paying for service), with some getting porridge at the gas station, and with others a high KB for other expenses. And constantly getting confused and transferring money from one to another.
Halva pouring 6% porridge
The card can be used not only for interest-free installments. But also like a regular debit card. Deposit your own funds and make purchases. At the same time, you still receive a good amount of cashback.
It all depends on whether it is an affiliate store or not. Naturally, they give more money for partners. Much more.
The bank's partners include several dozen gas stations and about a hundred auto shops. Interesting food supermarkets (Pyaterochka, Perekrestok), leading online stores, almost all well-known brands and federal chains.
What does Halva offer?
- card issue and maintenance - zero rubles;
- daily interest on the balance - 7.5% per annum;
- cashback 6% from partners and 2% in other stores (if you pay by phone - Google pay, Apple or Samsung);
- a classic purchase with a plastic card will bring 2% from partners and 1% on everything else.
Under the “Refer a Friend” program, the bank will give you 500 rubles if you apply for a card using a special link and make your first purchase of 1,000 rubles or more.
Benefits of Hamster
Debit card from Home Credit Bank. Maintenance cost is free for the first year. Then 99 rubles per month. But it's easy to make plastic free. To do this, it is enough to make purchases with the card from 5 thousand per month. Or maintain a non-reducible balance of 10,000 rubles.
Considering the “tasty” conditions, getting free is quite easy.
Card Buns Benefits:
- Cashback for gas stations, travel, cafes, restaurants, cinema - 3%.
- Other purchases - 1%.
- Up to 10% cash back at partner stores.
- The monthly cashback limit is 5,000 rubles.
- Daily interest accrual on the card balance at a rate of 7% per annum.
- The reward will be returned next month (until the 15th).
Free Touch bank card - 3% porridge
Updated 07/24/2018. The bank has stopped issuing cards for new clients. For plastic holders, cashback for purchases will be abolished from August 1.
The bank lures clients with, if not ideal, then very attractive conditions:
- the card is completely free (when ordering you need to activate the Limited tariff);
- interest on the balance - up to 8% per annum;
- free withdrawal and replenishment at any ATM;
- cashback - 1% for absolutely everything;
- the ability to independently choose the category of increased cashback accrual - 3%. And change if necessary.
The monthly ceiling for receiving rewards is 1 thousand in your favorite category. There are no restrictions on other spending.
You can increase the monthly increased cashback on your Touch bank card to 3,000 rubles.
In this case, the Daily tariff is suitable for you. To make the card free, you need to keep an amount of at least 50,000 rubles in bank accounts.
All at once - 5% from Baba Rai
Plastic from Raiffeisenbank (or Baba Raya, as the bank is nicknamed) promises to return 5% on absolutely all purchases. Including for automobile categories.
But as always, there are some hidden issues that make it not very attractive to use.
Accrual occurs in points. Which can be exchanged for money. But for this you need to save a certain amount. The more points, the better the conversion rate into money. The size of the cash back provided will depend on this.
You can exchange points for money by spending:
- 25 thousand rubles - this will give you 1% cashback;
- 50 thousand rubles - corresponds to 1.2% cashback;
- for 200 thousand - you can get 2%;
- A million rubles - gives the maximum size of 5% of the porridge.
Card holders are constantly faced with the agony of choice.
Receive 5% on absolutely all purchases, but later (in a year, two, three). Or a modest 1-2% - but almost every month.
If the card interests you, read the full description of the features and disadvantages in the article ""
Finally
It is impossible to say unequivocally which card is the most profitable and will bring the maximum return in the form of cashback for a car. As they say, “it depends on the taste and color...”
I advise you to estimate how much money you spend per month and what is the share of auto expenses. And based on the data received, choose plastic.
Arm yourself with a calculator and do the math. How much can you return on the card per year (per month). Cost of annual maintenance (if the card is paid). And display the overall financial result. If you are satisfied with the amount of profit received, we will issue a card. If you doubt whether sheepskin is worth the candle, we pass by.
Perhaps a universal card with increased cashback for gas stations (and related expenses) and small rewards for everything else will be suitable.
Or it would be more profitable to have a separate auto-plastic, for which you can receive a reward. And make the rest of your expenses using another card, with high cashback for other categories.
The choice is yours!
Big and fat cashbacks to everyone!
Hello friends! Today I will touch on a pressing issue – the price of fuel and ways to save money.
Gasoline prices...
As gasoline prices rise and rise, fuel companies are forced to make tricks to attract and retain customers. Some reduce prices, some collaborate with banks and issue cashback cards.
And cashback is exactly what interests us.
I was not lazy and collected all the cashback offers so that you can choose the best for yourself.
What is the article about?
Lukoil card from Otkritie Bank
Conditions for the Lukoil card Basic tariff
The discovery of the bank system is that most cards can be connected to different tariffs. They differ from each other in terms of the cost of card servicing, the number of welcome points and points for purchases outside the gas station.
- Basic - 200 welcome points; 1 point per 100 rubles for purchases outside the gas station;
- Optimal - 300 welcome points; 1 point for 75 rubles for purchases outside the gas station;
- Premium - 600 welcome points; 1 point per 60r for purchases outside the gas station.
For purchases at Lukoil gas stations, the cashback is the same for all tariffs: 1 point for 50 rubles. Then you can pay for fuel with these points at a 1:1 exchange rate to the ruble.
Lukoil card from Uralsib
Another Lukoil card
As you can see, Lukoil likes collaborations with banks. This time the conditions are simpler:
That is, conditions that repeat the “Optimal” tariff in the previous bank. But points can be spent not only on fuel, but also on the purchase of goods. And all this pleasure for 699 rubles per year, without the possibility of free service.
There are no other worthwhile collaborations, so we will consider purely banking products. Their convenience lies in the fact that they are not tied to a specific network of gas stations. But on the other hand, I myself and all my comrades always adhere to a certain brand and do not leave it. Like from a needle.
Debit card with CashBack from Alfa Bank
It's just not being released now. So if you have it, like I do, then you are lucky!
I love this map because it's free.
More precisely, it is free if one of two loyal conditions is met:
- there are more than 10 kasiks on the map;
- more than 5 cash per month is spent.
Its main advantage is considered to be a high annual interest rate on the account balance (7%), which not even all deposits can boast of. But we are not interested in this, cashback is important to us.
There are three types of cashback:
- 1% - on all purchases;
- 3% - for purchases in the categories: gas stations, restaurants, ;
- up to 10% for partners.
Yes, the percentage is not so high compared to Alpha, but you don’t have to shell out 2K a year for the content of the card.
Card from Touch Bank
A bank without offices, completely online. For some, this will already be a minus. The conditions are similar to the Cosmos card: 1% return on all purchases and 3% on your favorite category, which you can choose yourself.
In our case, this is a gas station.
Conditions for the Touch Bank card
But the conditions for a free card are stricter here; only one of two things must be fulfilled:
- spending more than 30 thousand rubles per month;
- storage of more than 50 thousand rubles
So, if you don’t have Cosmos from Home Credit Bank, you can turn to Touch. I wouldn't do this in other situations.
All Inclusive card from Promsvyazbank
- 10% on purchases at gas stations;
- 5% for service, car wash, toll roads and parking, fines when paying through your personal account;
- 1% for everything else.
Here, cashback is awarded in points, which can then be spent on fuel or other car services. With many auto cards, cashback can only be spent on fuel. Tinkoff Bank is kinder and included car repairs, purchase of auto parts, and payment for parking in the permitted list.
This is a good option for car enthusiasts.
Multicard with the “Auto” option connected from VTB24
Multicard
VTB24 says that they have cashback up to 10 percent of the cost of purchases at gas stations and parking fees. But at the same time, the advertising brochures do not specify the conditions for receiving this percentage.
And you have to spend a lot of money.
Here are the conditions for VTB24:
- spend 5-15 tr. and you will receive 2%;
- spend 15-75 tr. and you will receive 5%;
- spend more than 75 tr. and boo with 10%.
Let’s clarify: the sum of all purchases is taken into account, but cashback will only be returned from auto purchases.
Let's sum it up
After analyzing the most popular offers on the market, we can summarize. The average cashback you can count on is 5%.
Therefore, Tinkoff Drive and its dozens immediately stand out.
If I have no questions about the first one, then the second one asks me to spend too much - I don’t like it.
Alfa-Bank card with 10% cashback for purchasing fuel at gas stations
3.6 (71.43%) 14 votesDrivers are the target audience that is always dissatisfied with fuel prices. Alfa-Bank marketers decided to play on this by releasing a special card that gives a record 10% cashback when purchasing fuel - CashBack and CashBack Credit. It should be noted that the banking product was predominantly received favorably. But not really. There are many negative reviews on the Internet about cashback on gasoline from Alfa-Bank. ““Kasha” (as CashBack is called in drivers’ slang) is illiquid!” – say car owners. Our review is aimed at evaluating CashBack cards; we will try to objectively describe and evaluate them.
Alfa-Bank loyalty program CashBack
The idea of cashback - cash back - is very attractive to people who use payment cards. Alfa-Bank's first cashback card appeared later than its competitors. She had her downsides. But, after a short time, Alfa managed to release a truly worthwhile product - a series of CashBack debit and credit cards. A special feature of the cashback is the return of 10% of the money spent when purchasing fuel at a gas station. What driver wouldn't want to save money by buying fuel at a gas station?
Review of CashBack cards
There are about 10 cards in Alfa Bank with the CashBack function. To them you can conditionally add two rare MC World bank cards with the “Income Card” service package (PU). There are 5 varieties of cards of the same name with the financial option: CashBack, CashBack Credit, CashBack NEW, CashBack NEW Credit, Black CashBack.
CashBack and CashBack Credit
These are old payment (debit and credit) cards with a cashback option, which are gradually being withdrawn from circulation. Cards of this type can be considered pilot for relatively new cards. On them, the bank worked out all the nuances associated with the loyalty program. Their validity period is 5 years, they began to be confiscated last year, so they are still on hand. Old cards do not have all the functionality of new cards, which is why the bank recommends replacing them.
CashBack NEW and Black CashBack
Presentation of the card by Alfa-Bank:
Attention! Black CashBack is a premium card of the highest category. It is debit with PU “Maximum+”.
CashBack NEW Credit
Bank credit card presentation:
Features of cashback on a credit card
Limitations and costs associated with card servicing:
Conditions for issuing a credit card:
Attention! The design of old and new CashBack cards is the same. You need to know that the 1% cash back on everything is valid only for new types of cards: “CashBack NEW” and CashBack NEW “Credit”.
The editors of our website analyzed numerous reviews from Alfa-Bank clients on Internet resources. We optimized them, highlighted the main thing and divided them into two parts - positive and negative.
Positive
- The very idea that “cashback” is awarded when paying with a card for gasoline at gas stations is liked by many people. That is, I like the opportunity in itself, even without the card itself.
- What I like about the CashBack Credit credit card is that it has a 60-day grace period.
- I like the fact that in addition to gas stations, cashback can be obtained by visiting public catering (5%) and shopping centers (1%).
- What many people like about CashBack cards is that when visiting gas stations or catering establishments, the so-called “honest cashback” is credited - from the maximum possible 10%, on average, more than 5% is actually credited.
Negative
- Servicing cards is too expensive.
- A grace period of 60 days on credit cards is good, but why not 100?
- Monthly expenses of 20 thousand rubles for a debit card and 30 thousand rubles for a credit card, necessary to receive cashback, are too significant. the same Alpha, for example, has a limit of only 9 thousand.
- Users are especially outraged by the rules of the loyalty program: “clause 2.1.4.4” – you cannot use the card exclusively in bonus categories; “point 4” – the bank regularly reviews the rules of the loyalty program; “Clause 1.12” – the bank has the right to deal with bonus points of program participants as it sees fit.
- There is no option to “put off a credit card until better times.” Since you have to pay for the servicing of the CashBack credit card all the time, many people prefer to terminate the BWC agreement in cases of force majeure.
So, what do we see in the reviews of people who have used CashBack cards?
People like to think that part of the money spent at the gas station ends up in their account. But then they remember the rules of Alfa-Bank’s loyalty program, and all their good mood disappears, because the bank can write off points at will - how’s that?! Indeed, many CashBack cardholders are concerned about this point. We hasten to reassure everyone who is worried at the moment. It is known that Alfa-Bank ignores abuses much more often than punishes them. This statement also applies to those drivers who deliberately exploit the “porridge” when refueling their car at a gas station. We remember that the bank regards such actions as fraud. However, the real state of affairs shows that it is taxi drivers and truckers who love this card the most.
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