Favorable cashback. Overview of bank cards with the most profitable cashback
Cards with cashback or bonuses are extremely popular now. It is already difficult for banks to surprise a discerning user with purchase categories, refund percentages or unique bonus program conditions. Finding a universal card with cash back is not easy, and bonus programs often do not cover all the interests of the client. Nevertheless, everyone can try to find the best plastic for themselves, depending on their financial behavior.
The Banki.ru portal calculated the amount of cash back for popular debit cards, which can be received by a client for a year of using plastic.
We proceeded from the salary of a Muscovite of 79 thousand rubles (the average value for July 2017, according to Rosstat) and the condition that all of it is spent on non-cash purchases. At the same time, he has savings in the amount of 100 thousand rubles. When storing them on the card, he can count on free services in a number of banks.
The nature of spending, rubles per month
The potential benefit was calculated as the difference between the amount of cashback for the year and the cost of the first year of servicing the card. At the same time, interest accrued by banks on the balance of funds was not taken into account.
Bank / Map | Accrual of points / cash back | Benefit, rub. |
4 miles for every 100 rubles. (option "Travel", 1 mile = 1 rub.) | ||
10% at gas stations, 5% in cafes, bars and restaurants, 1% for other purchases | ||
1 point for every 50 rubles. + 500 points on your birthday (exchange of points for rubles: 500 points = 250 rubles, 1,000 points = 600 rubles, 4,000 points = 4,000 rubles, 20,000 points = 50,000 rubles) | ||
5% in restaurants and gas stations, 1% on other purchases | ||
Russian Mortgage Bank"Cumulative" | 1.5% on purchases, 3% when paying for services in pharmacies, pet stores and bookstores (in October) | |
1.5% for any purchases | ||
1% for any purchases; 3% in the "favorite" category (set in the Internet bank, can be changed once a month, 2% when choosing the category "Hypermarkets" or "Network Supermarkets") | ||
1% for any purchases, 1.5% for settlements in partner organizations of the bank |
miles can only be spent on the website travel.vtb24.ru;
for new customers with a free first year of service when issuing a card before 09/30/2017;
given the increasedcashback in the categories "Transport", "Pharmacy", "Beauty";
given the increasedcashback in the Travel category;
taken into accountcashback 1% for any purchases, when making purchases from bank partners, the client will receive more reimbursement.
The table shows debit cards. Similar credit cards are offered by Alfa-Bank, Raiffeisenbank, VTB 24, and it is also possible to open a credit line using Touch Bank and Tinkoff Bank cards. The conditions for earning points will be the same, but the cost of plastic maintenance may differ.
According to our calculations, the number of points on the Raiffeisenbank card will be 19,460 (the table shows the figure in terms of rubles according to the rules of the program), that is, the client is quite a bit short of up to 20,000 points, which can be exchanged for a reward of 50 thousand rubles.
Banks from the table that offer cash back generally do not charge it for utility and/or telecommunication services. Those 8 thousand rubles declared by us for these expenses were taken into account in full only when calculating points for VTB 24 Multicard and Raiffeisenbank's All at once, provided that the client does not transfer funds, but uses the opportunity to pay with a card using terminal.
Hello dear readers. In this article, we will tell you about bank cards with cashback service and interest on the account balance.
Today you will learn:
- What are bank cards and how to use them correctly;
- Why do banks offer debit cards;
- Which card to choose and what to look for.
What are bank cards with cashback
Modern banks, in a highly competitive environment, offer their customers maximum profit. To attract a client, financial companies provide an interesting cashback service.
If 5 years ago no one knew anything about this service, today everything is much different. Translated from English, cashback is a return of funds. It turns out that cardholders with such a service can receive part of the money from their purchases. At first glance, a fantasy that is hard to believe.
But how does the bank return the funds to its client? In fact, everything is very simple. For each card, financial companies set the percentage of return on non-cash transactions.
As soon as the client pays for the product or service, he will receive a fixed percentage back to his account. Some banks return funds immediately, immediately after the purchase, while others transfer cashback on the reporting day. In fact, a bank customer purchases a product or pays for a service at a discount.
In Russia, the money back service operates on the same principles as in the rest of the world.
The buyer will be able to return funds from purchases:
- In shopping centers;
- In online stores;
- When paying for goods or services through an online account.
Banks are ready to offer cashback in the form of:
- Bonuses that can be paid in partner stores;
- Rubles that "drop" into the client's total account;
- Miles when paying for plane or train tickets.
A card with a cashback service is no different from ordinary and familiar debit cards.
It is quite simple to use it.
All the client needs is:
- Keep track of the promotions that the lender suits in your personal account. In most cases, financial companies actively cooperate with shopping centers and provide their customers with big discounts on goods. During the promotion period, you can get a bonus on goods up to 30%.
- Check the number of accrued bonuses. You must clearly know how much the lender has returned to your account and how you can spend your bonus.
- Follow the news of the financial company. Every day the bank offers new attractive services with maximum bonuses and privileges.
Rating and comparison of cashback cards from 10 banks
For your convenience, we have compiled a selection of the top 10 debit cards that deserve special attention.
Tinkoff Bank
Tinkoff is one of the major banks. A distinctive feature of this bank is that customers receive products exclusively remotely.
You can fill out an online application and learn more about the card at official website of the bank.
The bank has completely abandoned offices and accepts applications via the Internet. Any card of this bank can be issued in a matter of minutes and received by a courier who will deliver it to the specified address at a convenient time for you.
Tinkoff Bank is ready to offer 12 debit cards with cashback service. For each card, the bank gives its bonus from the perfect purchase. The Tinkoff Black card deserves special attention.
It turns out that thanks to a profitable card from Tinkoff Bank, you can get good bonuses. The main thing is to constantly monitor profitable offers and promotions on the official website of the company.
Alfa Bank
Alfa Bank is a universal bank that offers customers all types of banking operations. The product line of debit cards of this bank has as many as 43 cards. Such a variety allows you to choose a truly interesting and attractive product.
You can fill out an application for a card and find out more at official website of the bank.
Each card has its own bonus for non-cash transactions.
Depending on the type of card, the maximum refund amount that can be received is set:
- when paying for goods in Perekrestok stores;
- when buying plane or train tickets with a card;
- paying by card at gas stations;
- paying in cafes and restaurants;
- paying for additional options in the famous game World of Tanks;
- when purchasing goods in stores: MVideo or Amway.
Of all the variety, the alpha-bank card, which was called "Cash Bach", deserves special attention. The card is very popular.
All bank customers with debit cards get free access to Alfa-Click, where you can quickly pay for services, open an additional account or transfer funds to a loved one.
If necessary, all customers of the bank can receive round-the-clock qualified assistance via a free customer support phone.
Promsvyazbank is a large bank with a well-developed branch network. The bank began to actively serve the retail business only in 2005.
Submit an application for a card and find out more at official website of Promsvyazbank.
The card, which deserves special attention, is called "All Inclusive". This is a premium card with which your funds will work exclusively for you.
Cashback size | Depends on the program on the card:
The maximum amount of return per month is 1,000 rubles. |
Annual maintenance | The fee for the card is 1,500 rubles per year. In the next year, the annual service fee is not charged if the minimum balance of funds on the card in the amount of 50,000 rubles was maintained over the past year. |
SMS notification | The fee for all notifications is charged monthly and amounts to 29 rubles. |
% on account balance | The service is not provided. |
On the card, the bank provides a special security system "Superprotection". The essence of maximum protection lies in the fact that the card is equipped with a special electronic chip. With a card, you can pay for goods around the world and not worry that scammers will be able to take over your information.
Also a nice bonus is the opportunity to get two additional premium cards for free. You can issue additional cards for a friend or loved one.
RocketBank
Rocketbank is one of the first virtual Russian banks, which was created as a convenient mobile offer with which you can use all the necessary financial products. In April 2016, Rocketbank was acquired by the well-known Otkritie bank.
The product line of this bank is not distinguished by a variety of offers. At the same time, the product that the bank created for its client won the attention of many in such a short time. In this case, we will talk about the Otkritie-Rocket debit card.
Savings Bank is one of the largest banks. This bank can rightly be called the leader of the banking sector.
Savings Bank today is:
- more than 16,000 branches throughout the country;
- more than 110 million customers;
- convenient service and qualified banking services;
- variety of banking products;
- attractive conditions.
The bank's product line includes 10 offers for debit cards, which differ in status and conditions. The platinum card “Visa Card with Great Opportunities” deserves special attention. The card is made in an interesting strict black design, which perfectly emphasizes the status of its owner.
Bonuses from Sberbank are the amount of cashback that is credited for each purchase. You can pay for goods and services with bonuses only in partner stores. According to the terms of the agreement, 1 bonus is equal to 1 ruble.
If you decide to issue a card from this bank and actively use it, you will be able to recoup the annual service if card transactions exceed 30,000 rubles per month.
Opening
Otkritie Bank has been present on the financial services market since 1995. Quite recently, in November 2016, a unique gift was made to the bank's customers in the form of a new card with the cashback service.
The new banking product was named "Smart Card". Today, the card is very popular because it allows you to get the maximum income. It is also worth noting that everyone can apply for a card remotely. You can get a card sitting at your home computer.
You can get a card by filling out an online application for official website of Otkritie bank.
Cashback size | You can receive a bonus in the amount of:
|
Annual maintenance | For customers who actively use the card, the lender is ready to give a free annual service. Those customers who spend more than 30,000 rubles on the card per month will not be able to pay for annual maintenance. If you spend less, be prepared to pay only 299 rubles per month. |
SMS notification | The notification fee is 59 rubles per month. |
% on account balance | 7.5% is charged on the card balance. |
Excellent income card- suitable for those who make a lot of purchases. If you plan to withdraw cash from the card, you should remember the maximum cash withdrawal limit, which does not exceed 150,000 rubles.
Binbank is a Russian commercial bank that has been providing services to the population for 23 years. The bank offers its customers to take advantage of the unique Binbonus loyalty program. This is a special reward system for customers who actively pay with bank cards for goods and services.
To start receiving bonuses from the bank, just select any debit card and activate one of the proposed categories:
- auto;
- trips;
- entertainment and recreation;
- purchases in online stores;
- sport, beauty and health.
The undoubted advantage of the bonus program is that the client of the bank can change the cashback category on his own, at any time.
Of the variety of products of this bank, it is worth noting the Settlement card. You can even order a card online.
Cashback size | Return Size:
5% of payment for goods and services of the selected category; 1% for all purchases. |
Annual maintenance | 450 rubles per month (with monthly payment); 4,500 rubles annual fee; free of charge, if there is a daily card balance of 100,000 rubles or a card turnover of more than 50,000 rubles per month. |
SMS notification | Not charged |
% on account balance | The financial company gives an additional bonus, in the form of a percentage on the account balance:
2% to customers whose balance exceeds 750,000 rubles; 6% with a balance of less than 750,000 rubles. To receive a guaranteed income, the client must pay for goods or services with a card within a month, in the amount of at least 500 rubles. |
An additional bonus from a financial institution is the availability of an insurance contract. The insurance is valid around the world around the clock.
It is also worth noting the “multi-currency” service, thanks to which you can make purchases with a card in any currency. Also, constant discounts and privileges from the Visa payment system will please every client.
Corn
Corn is a debit card with a striking design that has attracted the attention of millions of people. Who issues a card with an interesting name? If you look at the card itself, you can see 2 logos: the Golden Crown and the Master Card.
RNKO LLC is responsible for the release and, accordingly, maintenance. The well-known mobile phone salon Euroset is simply a partner and distributes cards.
With the Corn card you can:
- repay loans from different banks;
- pay fines;
- send money transfers;
- monitor the balance of the card in real time;
- buy currency;
- set up and make auto payments.
Cashback size | With the bonus program, everything is simple and clear. When paying for goods and services, you can receive from 0.5% to 3% of the purchase price, in the form of bonus points. |
Annual maintenance | "Smart card" is provided absolutely free of charge. |
SMS notification | There is no charge. |
% on account balance | Together with the partner bank PJSC “First United Bank”, a savings service has been created that allows you to receive additional income on the card: 10% per year if the daily card balance exceeds 30,000 rubles; 7% per year if the card balance is less than 30,000 rubles. Interest is calculated daily and paid to the account monthly. |
You can spend bonus points in the Euroset mobile phone salon or pay for part of the goods in partner stores.
Among the partners are such large companies as:
- Crossroads;
- Ozon.ru
- L'Etoile;
- Kari;
- Ebay;
- Aliexpress;
- Nike and many others.
Svyaznoy
Svyaznoy Bank offers its customers a universal card with cashback service. Everyone who issues a card can receive a refund in the form of bonus points for each purchase. After receiving the card, the client is given 200 gift bonus points.
You can withdraw cashback on the card in partner stores by barcode number. It should be taken into account that 100 points = 1 ruble discount on a product or service.
The bank has more than 50 partners, including numerous clothing, food, accessories, cafes, pharmacies and mobile operators.
Raiffeisen Bank
A debit card from Raiffeisen Bank is a convenient payment tool that allows you to earn additional discounts in more than 6,000 stores. The card allows you to receive cashback and participate in various promotions.
If you decide to use the services of this bank, then pay special attention to the VSESRAZU debit card. This is not only a card in a colorful design, but also a profitable product that will help you get good bonuses and additional profit. It is a pleasure to use the card of this bank.
There is also an undoubted advantage - the bank offers a card with a unique design. To get an individual card, you need to upload a photo on the bank's website and wait for verification.
Summarizing
As you can see, there are a large number of cards in the financial services market with an attractive cash back service.
The map will be useful:
- For outdoor enthusiasts. If you are an active traveler, then you should pay attention to cards that provide bonuses and discounts for buying tickets and paying for hotels.
- Shopping lovers. Fashionistas will appreciate the cards, which can be used to receive discounts when buying clothes and accessories.
- housewife. And, of course, housewives who buy food in supermarkets every day will be happy with additional discounts and bonuses that you can easily get. Cashback in supermarkets on many cards reaches 5%.
Why do they need banks
All financial companies offer cards that are attractive to customers and can be used to return funds. But why is it a bank?
In fact, credit institutions know how they can make a profit, it’s not for nothing that they advertise their services every day and sometimes obsessively offer to issue a cashback card.
First of all, thanks to such a service, they can attract a client who will actively use the banking product and advise his relatives and friends.
Bank benefits:
- Card usage fee. For any card, a financial company asks to pay for annual maintenance. In most cases, the fee depends on the type and status of the card and ranges from 300 to 3,500 rubles.
- SMS notification service. To control their expenses and income, the client is connected to the SMS informing service. The fee, of course, is minimal and sometimes does not exceed 50 rubles per month, but this is a fixed income that the bank will receive, regardless of whether you use the card or not. If you believe the famous proverb, then “the chicken bites bit by bit”, then the bank collects the maximum income bit by bit.
- Customers for other products. It is enough for a bank to attract a client with a free and profitable product in order to offer other services later. In most cases, citizens like to serve in one bank:
- pay utility bills;
- issue loans and credit cards;
- place funds on deposit;
- in securities and investment projects.
For all these operations, the bank will receive a profit. By giving a free product, he wins his client and wins over for many years. Customers who like to pay with cards are a "gold mine" for any bank.
Bank clients, in order to obtain maximum income, even go for tricks and act according to the following scheme. When they receive a salary, they put funds on a profitable card in order to pay for the goods and receive the maximum amount of return. Some clients issue several cards, since the return conditions for each card are individual.
It turns out that the more a financial company can attract customers by issuing cashback cards, the more profit it can get.
What to look for when choosing a card
Decided to issue a card, but do not know how to make the right choice? In fact, everything is very simple. The main thing is not to rush, make a comparison of cards and deliberately choose the most attractive option for yourself.
When applying for a card, keep in mind:
- Refund.
Almost all customers are attracted by attractive conditions, according to which the financial company promises to return the funds for purchases made with the card.
Everything looks very tempting: you spend money, buy whatever you want on the card and get the money back. You might think it's a fairy tale. And the conditions for customers are minimal. Citizens over the age of 18 can receive a cashback card.
Although the option is the same for everyone, not all credit institutions return real money to the account.
You can receive on your account:
- bonuses;
- thanks;
- miles;
- points;
- other conventional units of the bank.
It turns out that before making a choice, you should carefully read the terms of the contract and find out what bonus you will receive and how you can use it in the future.
- Cashback size.
In practice, financial companies lure with a large percentage of return. Only here you can get it far from all purchases. The maximum percentage for the cashback service can only be obtained by making purchases in partner stores. The average return percentage is 1-2% for any card transaction.
Therefore, it is worth knowing in advance what real interest you can get and choose a card on which the bank is guaranteed to provide a large percentage.
- What can I exchange the accrued bonuses for.
What can you spend the accumulated bonuses on? This is probably the most popular question that cardholders have. The answer depends on which card you have issued.
You can exchange bonuses:
- for a discount in a partner store;
- for real rubles at the rate of the bonus program and spend the funds in any store;
- for card services.
Of course, it is more pleasant to receive real money back. Therefore, before issuing a card, you should pay special attention to the method of return.
- Annual maintenance fee.
Do not forget that you have to pay for the service of the card. Sometimes the fee reaches several thousand rubles. If you rarely use the card, 1-2 times a month, and buy goods only in supermarkets and shops, you should choose a card with a minimum fee.
Summing up, it can be noted that bank cards are a convenient and attractive product that will allow you not only to receive additional privileges, but also money.
You need to use the card correctly, then it will bring you additional profit and a lot of positive emotions. Which cashback card is better is up to you!
More recently, I had only 2 plastic bank cards. But the main purchases still made in cash. So it seemed to me easier and more reliable. But time passes and I had to reconsider my position.
One of the main reasons is the return of part of the money for card purchases or cashback.
In the end, it turned out to be so contagious (in a good way) that I already have several cards that bring me certain benefits.
But time does not stand still and more and more new banking products come out with various attractive conditions. So I am constantly on the hunt for profitable bank cards with a high cashback.
Hunt for cash back
How to choose a cashback card
What should you pay attention to when choosing a card?
It seemed like a simple question. If we are looking for a card with a good amount of cash back, then it is logical to assume that the more the better.
But there are several other parameters that affect the so-called "profitability" of the card.
Cash back size
We look not only at the interest on the return, but also for what they give. The card can have a high percentage of fees for purchases in certain categories (usually not particularly popular) and a mediocre or even low percentage for other purchases. Or average, but in almost all categories.
Therefore, before choosing a card, you need to at least roughly understand the nature of your spending: what and how much you spend money on.
List of exclusions
There are transactions for which money is not charged. At all. Each bank has its own exclusion categories. This can be utility bills, gambling, topping up your phone balance or paying for Internet services. For some banks, the list of excluded categories can be quite impressive. And in practice, a card with a high claimed percentage of return will be less profitable than a regular one, which gives a modest KB, but for almost everything.
Refund
Cashback can be credited with real money. Or various bonuses, points, miles (they are also called candy wrappers). You can spend which only in certain places (shops) or compensate for purchases. Or the opportunity to use cash back is given only when a certain amount is accumulated.
The amount of cash back received is always limited by a monthly limit. It can be 5 thousand or even only 500 rubles.
Interest free period- this is an opportunity to use a credit card and not pay interest for using money for up to 100 days. To do this, you need to make a monthly minimum payment and pay off all debt on the card before the end of the interest-free period. Then interest will not accrue, and the interest-free period will be renewed every time after 60 or 100 days.
The minimum payment is 5%(but not less than 320 rubles) from the amount of credit card debt. This payment must be made monthly during the billing period. You can always find out the amount and date of the minimum payment, as well as the expiration date of the interest-free period, in the Alfa-Click Internet bank, Alfa-Mobile mobile bank, call center or any bank branch.
Pay period- this is a period of 20 calendar days, it starts from the date when the bank set a credit limit for you, and ends on the twentieth calendar day at 23:00 Moscow time. You can track dates and expenses, and you can at any time specify the amount of the minimum payment and the end date of the payment period in Alfa-Click, Alfa-Mobile, at the call center or any bank branch.
You can get a loan if
- You are a citizen of the Russian Federation, aged 21 or older
- You have a regular income of 9,000 rubles. after taxes for Moscow and 5,000 rubles. for regions of Russia
- Your continuous work experience of 3 months
- Do you have a contact phone number (mobile or home at the place of actual residence)
- Do you have a landline work phone or do you know the phone number of the accounting/human resources department
- You have a permanent registration, actual residence and place of work in the city where there is a branch of Alfa-Bank or settlements located in close proximity to the city where there is Alfa-Bank