Which card is more profitable for refueling. Debit cards for gas stations
7 months ago
In addition to the high cashback at the gas station, "Halva" has other pros:
152,000 partner storesin all areas of trade - and in each of them you will also get 6% back! Here are just a few:
- Products: "Pyaterochka", "Crossroads", "Carousel", Billa, "Europe", Yandex.Food;
- Electronics: "M.video", "Eldorado", Onlinetrade, Samsung, Xiaomi, OZON, Holodilnik, 123, Oldi, Bayon, re: Store, Sony Center;
- Clothes and footwear: Wildberries, Kupivip, Incity, The Snow Queen, Bonprix, 5Karmanov, Kanzler, Lacoste, Samsonite, Tom Tailor, Hugo Boss, Kari, Kari Kids, Lamoda, Familia, SELA, Zenden, Belwest;
- Building materials: "Leroy Merlin", "Stroylandia";
- Auto products: Wheels for nothing, Pokryshka.ru, Bortnik Auto, RAT, Goods, Autoset, Motor.
- There is a cashback 35%. Use Halva as your main card for six months - and get the opportunity to get back 35% (maximum 5,000 rubles) from one purchase in a partner store. You can use it once a year. ...
- 7.5% on the account balance. If the balance is more than 0.5 million rubles, 6% is charged.
- Credit limit and installments at 0% in 152,000 partner stores for a period from 1 to 18 months. If you buy for an amount of 3,000 or more, you automatically receive an installment plan for 4 months (clause 1.14 of the Tariff).
- Free maintenance and replenishment... You can withdraw "your" cash for free up to 100,000 rubles a month.
- I have an opportunity "Snatch money before paycheck"... It is possible to withdraw from the credit limit up to 15,000 rubles for one operation, the commission is 2.9% of the amount + 290 rubles.
Verdict
Halva card - a great option for cashback at gas stations... You will be refunded 6% from purchases at Lukoil, Tatneft and hundreds of other gas stations.
SPOILER: based on his research nothing more interesting than "Halva"(I already had it) for cashback at the gas station, I never found... I already use:
But "Halva" is perfect for the role of the main "plastic"since she has:
- Cashback 6% in 152,000 partner stores;
- Installment plan at 0% in the same 152 thousand stores;
- 6-7.5% on the balance;
- The ability to "snatch money before paycheck."
Alfa Bank CashBack
What is cashback at gas stations?
Here % return - from 5% to 10% at gas stations - directly depends on card spending:
What else can the card do?
In addition to the high cashback at the gas station, the Alfa-Bank CashBack card has increased cashback for cafes and restaurants, and small refund on all purchases:
Disadvantages:
— Decent cashback costs money. To get 10% at gas stations, 5% in cafes and restaurants and 1% on everything, you will have to ensure a turnover from 70,000 rubles and above.
Verdict
Cashback 5% at gas stations for card expenses of 10 thousand rubles and 10% for expenses of 70 thousand or more - great!
But gasoline is not everything. If you are not a taxi driver or a trucker, then you are probably interested in cashback not only for fuel, but also for other popular categories of purchases - food, clothing / shoes, medicines, electronics, building materials, etc.
And everywhere, except for gas stations, the Alfa-Bank card will offer you only 1% cashback. And the same "Halva" - 6% + 35% in 162,000 partner stores... If you buy food at Pyaterochka or Perekrestok, equipment at M.video, building materials at Leroy Merlin, Halva will definitely bring you more cashback.
Home Credit Card Benefit
Card "Benefit" on the website of the bank HomeCredit
How much cashback at gas stations?
"Benefit" card - conditions for calculating cashback and interest
3% - at any gas station.
How to get?
Just issue a card, top up and pay at the gas station as usual.
What else can the Benefit card do?
- There is a rare and very nice option - 1% cashback for communal apartments, taxes and traffic fines! Just pay on the supplier's website and the return is yours.
- Cashback'a in terms of "benefit" in general lot:
- High% on account balance - 10% in the first 90 days after the card is issued, then 7%. The conditions apply if the card contains no more than 300 thousand rubles. If more - the amount of excess will be charged 3% per annum.
- 5 free cash withdrawals from ATMs of other banks per month.
- Free service (if you spend 5,000 rubles a month or keep 10,000 on the balance);
- Transfer to another bank - Total 10 rubles.
Minuses:
- To get cashback, you need to spend at least 5000 per month on your card.
Verdict
Cashback at gas stations in Russia on the "Benefit" card is lower than on "Alfa-Bank CashBack" - 3% versus 5%. On the other hand, it is also necessary to spend less on a Home Credit card per month - 5 thousand rubles versus 10 for Alfa.
But in comparison with the same Halva, Polza loses well - for cashback 3% in most categories (including gas stations) from Home Credit, Sovcombank answers 6% and the opportunity to get 35% from your favorite purchase from partners ... And “Halva” has more than enough partners for every taste.
Cards with cash back at gas stations - comparative table
Name | Cashback at gas stations | What else can the card do? | |
"Halva" |
|
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All conditions |
Alfa-Bank CashBack |
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Cashback for purchases in cafes and restaurants - from 2.5% (card turnover from 10,000 rubles / month) to 5% (from 70,000 rubles / month). 0.5 - 1% for all Alfa-Bank Cash Back purchases, there will be 5%. Articles on the topic:
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I welcome everyone and thank you for visiting my site!
Welcome to my category called "Gas Station".
There are quite a few different offers from banks and gas stations themselves, which allow you to receive part of the funds back to the card.
So, you can get real money in the form of a refund or bonuses, which can later be used again to buy fuel.
I wondered how to get cashback at gas stations and which service is the most profitable.
I suggest you familiarize yourself with the results of my personal research.
![](https://i2.wp.com/cashback2you.ru/wp-content/uploads/2018/08/00-1-1.jpg)
Features of cashback for fuel
I found only 2 types of refunds for the purchase of gasoline, namely:
- accrual of bonuses in banks or in the filling stations themselves;
- return of funds to the card.
Especially nice: these are not mutually exclusive concepts.
For example, at Gazprom's gas stations, you can accumulate bonuses on their branded card.
And by paying for gas with a bank card, there is still an opportunity to receive additional cashback.
How to choose the right card with cashback at a gas station?
When choosing a banking product, you need to pay attention to several important nuances, namely:
- Bank availability in the citybecause when the only branch is closed it will be quite difficult to service. Even to close the map, you will have to go to another city.
- Cashback size. It depends not only on the bank, but also on the status of the card.
- Annual maintenance cost... Many banks offer free service if certain conditions are met.
- Issuing a credit card with an interest-free repayment period... This can be a great financial cushion.
- The ability to receive bonuses when using plastic in various stores.
- Terms of spending bonuses... In many banks, they burn out if they are not spent in a year.
Today, there are some gas station networks operating, for example, in Moscow or St. Petersburg, in Europe.
It allows you to use bonuses accrued in Russia and abroad.
However, this only applies to banking products that were created in conjunction with this gas station operator.
The specifics of using corporate cards abroad should be checked with specialists personally or by phone.
![](https://i2.wp.com/cashback2you.ru/wp-content/uploads/2018/08/11-1-2.jpg)
TOP banks with cashback at gas stations
I propose to consider several banks that provide cashback for fuel.
Naturally, it is unrealistic to revise all financial and credit organizations, so I made an analysis among the leading banks.
My list will consist of these criteria:
- Cashback size at gas stations
- Additional bonuses
- Card maintenance cost
These are the moments we will consider with you below.
"Alfa Bank"
- Accrual of 7% on the balance, free service when making purchases for 20,000 rubles per month
- From 1990 rubles per year
Home Credit Bank
- 7% is charged on the balance, 7% bonuses on Aliexpress, free service when making purchases for 5,000 rubles per month, the ability to withdraw money without commission up to 5 times within a month
- 1188 rubles per year
"Bank opening"
This bank and its cashback conditions.
- Up to 5%
- 4.5% is charged on the balance of funds every month
- From 1188 rubles per year
Rocket Bank (GC Otkritie)
Full review of cards with cashback.
- To 10%
- 5.5% is charged on the account balance, providing favorable conditions for deposits
- Is free
Rosbank
This is a lending institution and its savings proposals.
- Accrual of 6% per annum on the balance
- 6000 rubles per year
Yandex. Money"
- Possibility of registration of the Avtomobilist package for additional benefits
- 200 rubles for 3 years, registration of the Avtomobilist package 2500 rubles
Uralsib
Full debriefing in this bank.
- 1 point for 50 rubles spent at Lukoil gas stations
- 5% discount when registering CASCO at the Uralsib insurance company
- 699 rubles per year
Thus, a debit or credit card with cashback at a gas station can allow additional savings.
But these are only offers from banks.
It is also worth considering how to save money by becoming a regular customer of a particular gas station chain.
Of course, these are not all banks that offer favorable terms of cooperation.
I propose to describe some of them separately, because there are quite a few different nuances.
Features of cashback at Tinkoff Bank
Tinkoff Bank cooperates with Lukoil and offers increased cashback.
It has been specially designed for drivers.
![](https://i2.wp.com/cashback2you.ru/wp-content/uploads/2018/08/22-1-1.jpg)
Here's what is available on it:
- 10 percent cashback for purchases at gas stations;
- 5% for services at the service station;
- 5% discount when paying traffic fines;
- 1% refund for any other purchases.
Here are the main advantages of this product, which claims to be the best cashback at a gas station:
- service 990 rubles per year;
- the card is delivered throughout Russia;
- low requirements for the borrower (citizenship of the Russian Federation and age from 18 years);
- a large number of partner companies.
I have not found information on whether this plastic can be made creditable.
Therefore, I conclude that it can only be debit.
However, it should still be issued ... Not all credit organizations offer increased returns.
And this bank provides really interesting conditions for cooperation.
Programs with cashback at gas stations from Otkritie Bank
Otkritie and Lukoil have created several subtypes of programs within one.
Thus, with a Lukoil debit or credit card, you can receive various privileges, depending on its status.
- basic status makes it possible to get back up to 2% of the cost of gasoline without additional benefits;
- optimal status provides the owner with 3% cashback, life insurance in the amount of 35,000 euros when traveling abroad and 24-hour assistance from auto mechanics;
- premium status is a card with the largest cashback for Lukoil gas stations in this bank, where you can return 5% and receive premium service, insurance up to 100 thousand euros and round-the-clock consultation of auto mechanics.
Delivery of plastic is carried out free of charge in 36 cities of Russia.
All details can be clarified with the bank's specialists. You can apply for a card online.
![](https://i2.wp.com/cashback2you.ru/wp-content/uploads/2018/08/33.jpg)
By the way, here's what else you can get while working with this bank within the framework of this product:
Basic status
- Service price - Free if special requirements are met or 99 rubles per month;
- cash withdrawal - free;
- free money transfers;
- 7% discount on Delimobil and payment of fines and utilities without commission.
Optimal status
- Cost - Free if special requirements are met or 299 rubles per month;
- round-the-clock access to the concierge service;
- special interest on deposits and loan products.
Premium status
- Price - Free if special requirements are met or RUB 2,500 per month;
- benefits of previous status;
- providing a personal manager;
- free transfer, participation in the LoungeKey or PriorityPass programs and favorable conditions for currency conversion.
Thus, the Otkritie bank card with cashback for gas stations is really profitable.
However, only if you refuel at a Lukoil gas station.
Therefore, if there are few gas stations from this company in your area, then the plastic will be almost useless.
There is also an "Auto Map" here.
It allows you to receive cashback at any gas station.
The return is 3%.
- Only a credit card is offered for 2990 rubles per year.
- The credit limit is 300,000 rubles, and the rate is from 18.2% per annum.
By the way, it is worth paying attention to the various products of other banks included in Otkritie Group.
So, there are interesting programs for “ Rocketbank "And" TouchBank«.
About the conditions for the cards of the latter.
Only entrepreneurs can register products at Tochka, it does not serve individuals.
VTB Bank offer
Probably the best card with a cashback at a gas station is the "Multicard" from this bank.
Its advantage lies in the fact that everyone can choose for themselves.
I myself do not use this plastic, but I have often thought to arrange it.
Only the reluctance to open an account in another bank stops.
The percentage of refund will vary depending on how much money you spend during the month on gasoline and parking:
- from 5,000 rubles to 14,999 rubles 2% return;
- from 15,000 rubles to 74,999 rubles 5% return;
- over 75,000 rubles 10% refund.
Naturally, it is necessary to make such expenses within a month.
Moreover, cash withdrawals are not counted.
![](https://i1.wp.com/cashback2you.ru/wp-content/uploads/2018/08/44-1-1.jpg)
It is also credited to the account balance. The more you spend during the month, the higher your capitalization.
The maximum value is 5%.
Also in "VTB 24" there is an "autocard".
Yes, VTB-24 does not exist now, but some customers still have such plastic.
Today it completely repeats the capabilities of a multicard.
I want to note that you can connect various service packages to the bank.
The higher the status of the package, the more additional benefits you can get from it.
In general, the banking sector today offers a profitable cashback for fuel.
Offer from "Post Bank"
Separately, about the conditions for refunding money for purchases using cards from this bank.
Many are interested in whether "Post Bank" offers cash back at gas stations.
Indeed, it is a company with a large share of state capital.
She is actively developing and trying to attract new clients.
Providing cashback to drivers can significantly increase the number of customers.
But no, today the management of this bank cares about other clients, and cashback for gasoline in the Post Bank cannot be obtained .
Let's hope that this is only for now, in the future a product with a bonus program for motorists will still be developed.
Sberbank and its customer support program
Of course, when discussing which bank gives a refund, one cannot fail to mention Sberbank.
This is the largest FCO in Russia.
Yes, she is not flexible in the market, but this does not prevent her from increasing the number of clients every year.
Alas, here, as well as in the Post Bank, there is no narrowly targeted program for motorists.
But there is the ubiquitous "Thank you" - a program that works in various institutions, and at gas stations too .
To connect Spasibki, you must, of course, be a client of Sberbank and declare yourself in the system for receiving gingerbread.
I would like to note that the network of partners is really growing rapidly.
Therefore, spending money from a Sberbank card in different stores and at gas stations, you will receive “Thank you” on your card.
Their number can reach as much as 10% of the purchase amount!
Just a bounty ride!
1 "thank you" - the bonus is equal to 1 ruble.
Thus, when there are enough bonuses to make a certain purchase, you can pay with them.
![](https://i0.wp.com/cashback2you.ru/wp-content/uploads/2018/08/55-1.jpg)
How do I start receiving "Thank you"?
There are three options:
- come to the bank, insert your card into an ATM and activate the “Bonus program;
- go to your account via Sber-Online, go to the program menu and enter your phone number and e-mail there;
- well, the simplest thing is to write a message to the number “900” with the coveted word “Thank you” and the last four digits of the card number.
After that, you can use all the buns that this program provides.
Gas station offers
Operators are interested in loyal customers, so they offer various promotions and bonuses.
Cashback for gasoline is the most interesting offer for drivers.
People who constantly use a car for work can really save a lot of money.
Through online calculators on various sites, you can calculate that savings for the year can reach 20k.
Gazpromneft
The loyalty program in this company allows you to return with bonuses up to 5%.
To do this, you need to issue a card and receive points.
1 bonus \u003d 1 ruble.
Funds can be spent not only on the purchase of fuel, but also on the purchase of various goods at the filling stations of this operator.
All points are deducted automatically if the client hasn’t been able to spend them within 12 months, so do not save them for too long.
Here you can pay some with points, and some with real money.
Lukoil
Holders of a branded card can receive 1 point in the form of a cashback from a gas station for every 50 rubles spent.
The accumulated funds can be spent on the purchase of fuel and various goods in the store at the gas station.
1 point is equivalent to 1 ruble.
![](https://i1.wp.com/cashback2you.ru/wp-content/uploads/2018/08/66-1-1.jpg)
Rosneft
Here you can get cashback not only for gasoline.
Here's how points are awarded:
- 1 point for purchased 2 liters of fuel;
- 1 point for 20 rubles spent in stores at the gas station;
- 1 point for spending from a bank card in any other stores.
Yes, this card is not only calculated in the network of these filling stations.
It can be used as a debit card for settlements with sellers.
There are also partner stores that have their own reward system.
Details about the privileges in these companies can be found on the website of the gas station operator.
TNK
The card from TNK, called CARBON, has a number of features.
- Points are credited for buying gasoline almost instantly.
- But you can spend them only after 2 weeks.
- 1 ruble corresponds to 10 points.
Plastic is supported by the MasterCard payment system, so it can be used to make mutual settlements in various stores.
Bashneft
At Bashneft, cashback is charged as follows - for every 100 rubles spent:
- 10 points for Regulator 92 and Premium 95;
- 15 points for Anum 92, Atum 95 and Super 98;
- 30 points for goods in Bashneft minimarkets.
On his birthday, the cardholder gets 100 points.
10 points are equivalent to 1 ruble.
In general, such a very modest gift - 10 rubles.
These are the main operators of gas stations that work in Russia today and offer to receive favorable terms of service when paying for gasoline.
Corporate cards with fuel cashback
Today, gas station operators offer cards not only for individuals, but also for corporate clients.
Here the essence of cashback is slightly different: customers receive preferential fuel prices.
However, they also accumulate plastic bonuses that can be used to buy gasoline.
![](https://i1.wp.com/cashback2you.ru/wp-content/uploads/2018/08/77-1.jpg)
To become a corporate client you need:
- contact the gas station specialists in a convenient way;
- conclude an agreement with the company;
- provide company details;
- issue the required number of bonus cards.
The maximum cashback in this case will be much higher than 10%.
However, the discount is provided only for a certain volume, which is specified in the contract.
So, if a company buys more gasoline during the specified period, then it is given market prices, and not preferential ones.
It is possible to save up to 5 rubles per liter.
Drivers who refuel at gas stations using corporate cards also accumulate bonuses.
So that they do not use them for personal purposes, only the owner of the company or a person who has access to their personal account can spend the bonus balance.
To do this, it is necessary to indicate how many points are to be deducted during the next tranche of fuel purchase.
Quite an interesting system in my opinion.
Here the cashback is not 10 percent at the gas station, but more if you take into account the bonuses.
Also, the driver does not need to carry cash with him.
Usually there is a deposit on a corporate card.
That is, it can be used as a payment, but only at a gas station.
Another advantage of such a system is that the owner of the company can easily see who exactly refueled and for what amount.
Where to issue various cards with cashback at gas stations for individuals?
Depending on what exactly interests you, you need to contact a bank or a network of gas stations.
If you are interested in a bank card, then it is personalized.
Therefore, you will need to wait a bit until it is released.
Plastic is not personalized at the gas station, therefore it is issued immediately.
It is important to understand that you can apply for both debit and credit cards at banks. The conditions for obtaining these products will differ from each other.
What's also quite curious is that the interest rate on a credit card is affected by not only the number of documents provided, but also the amount of income, the age of the borrower and a number of other nuances.
Bank card processing
Cashback for gas stations is provided by credit and debit cards.
If only an application and a passport are required to register the latter, then to obtain a credit card you will additionally need:
- information about income;
- attraction of guarantors, if the limit is large enough.
Often, the bank first provides a minimum limit, but later increases it unilaterally.
In order not to waste time, it is worth submitting an application for obtaining plastic online.
An SMS message will be sent to the mobile phone about its readiness.
Then you will need to come to the service office with the documents.
Pafter signing the agreement, the card is issued.
![](https://i2.wp.com/cashback2you.ru/wp-content/uploads/2018/08/88-1.jpg)
Additional advantages of bank cards
There are several additional reasons to apply for a bank card, namely:
- the ability to receive bonuses simultaneously on this card and on the branded card of a gasoline supplier;
- refund of part of the money when making payments in cafes, restaurants and shops;
- the possibility of receiving interest on the account balance;
- the possibility of making payments not only within Russia;
- additional bonuses from partner stores of the bank.
Evgeny Smirnov
Bsadsensedinamick
#
Cashback for buying fuel
The maximum cashback you can get for buying gasoline is 17%. In order to receive it, you need a bank card with cashback and a bonus card of a gas station.
Navigating the article
- How to get the biggest cashback at a gas station
- Conditions at gas stations of Gazprom
- Cashback from Lukoil
- The best bank cards with the highest cashback at gas stations
- Cash Back Credit Card
- Debit Card Cash Back
- Drive Map
- Refund by card
- Cashback from Alfa-Bank
- Tinkoff
- Sberbank
- Post Bank
- VTB
- Application for mobile devices (smartphones)
Today, a driver has at least 2 ways to save money when paying at gas stations: use bonus cards of gas stations or bank cards with cashback.
The consumer receives the following benefits from using bonus cards:
- returns a certain percentage for a purchase at a gas station in the form of bonuses (points);
- can spend accumulated points in online and offline stores, cafes, etc. designated by the loyalty program.
A bonus is a kind of compensation that is calculated according to the established system and accumulated on the card.
Special bank cards make it possible to:
- get cashback at the gas station, that is, return money in the amount of 2-10% of the funds spent on fuel;
- spend the collected amount at certain points of sale;
- receive interest on the balance of funds.
Issue a card
How to get the biggest cashback at a gas station
To get the maximum cashback at gas stations, you must:
- To issue a bonus card of a fuel company, the services of which the client uses most often.
- Order a plastic card with an increased cashback at the bank.
- Take part in the petrol station loyalty program.
As a bonus, you can consider the "Fuel tanker" card from Gazpromneft. It helps offset 5 to 10% of all fuel costs. The "Benzovoz" card is valid at gas stations of 9 companies, in addition to Gazprom. At this stage, the minimum driver benefit is 5%.
Of the existing financial institutions, Alfa-Bank and Tinkoff offer the best payment card rate of 10%. In order to get the promised cashback for gasoline, you should replenish the "Fuel Truck" from these payment cards. And only then will the motorist get back 10%.
It is not allowed to pay with the "Fuel tanker" card at any gas station. This is allowed, for example, at Shell gas stations as part of the ClubSmart loyalty program. For every 1 liter of fuel, the company awards from 1 to 3 points. The exact refueling discount depends on the type of gasoline and the day of operation, but not more than 2%. If a customer pays for purchases at a petrol station of this company within the framework of the fuel tariff "Benzovoz", then the points are also credited to the "ClubSmart" card. The accumulated bonuses are calculated for fuel and other goods in the Shell trade structure.
Such a combined scheme will allow the car enthusiast to save up to 17% (5% + 10% + 2%) on gasoline. It provides the largest cashback among the options listed above. Considered separately, the best saving tool is a bank card.
Conditions at gas stations of Gazprom
Gazpromneft under the card bonus program "We are on the way" provides motorists with the opportunity to collect points for each purchase at gas stations of the same name. The size of the discount depends on the selected tariff ("Silver", "Gold" or "Platinum") and the type of fuel purchased. Cards with a cashback at a gas station under the "Silver" option will help to return from 1 to 2 bonuses for 1 filled liter. For the "Gold" tariff - from 1.25 to 2.5 bonuses. Activating the Platinum status will allow you to return from 1.5 to 3 points. As a result, a car enthusiast can claim a cashback of up to 5%.
To stay within the selected status and receive bonuses at the indicated rate, you need to purchase gasoline in certain volumes on a monthly basis. Bonuses are available on the card immediately after making payments.
Cashback from Lukoil
Lukoil provides cashback at its gas stations within the framework of two club cards:
- Lukoil. With its help, drivers can collect and spend bonuses at gas stations. The refund on it is 2%. For every 50 p. 1 bonus is accumulated. Points can be spent at a rate of 1: 1. Participation in promotional events also brings additional points to car owners. The card is issued at any Lukoil gas station.
- Lukoil-Otkritie-Mastercard. The first purchase with a co-branded card brings the holder from 200 to 600 points at once, depending on the chosen tariff (“Basic”, “Optimal” or “Premium”). Cashback from checks at gas stations for every 50 rubles. is 1 bonus. Card issuance, service, transfers are free of charge. Otkritie Bank charges additional 4.5% per annum to the account balance.
Additionally, get 1 thousand rubles on the card. it is possible under the "+1" program, provided that a friend is connected to the bank's card service.
The best bank cards with the highest cashback at gas stations
Cashback at gas stations can be obtained from many cards. But only a few of them offer really high return rates. Among Russian banks, only Alfa-Bank and Tinkoff provide a 10% refund for purchases at gas stations.
Cash Back Credit Card
Cashback 10% when buying fuel at gas stations; 5% in restaurants, cafes, fast foods. 60 days of grace period for a loan, the limit is up to 700 thousand rubles.
More details
Debit Card Cash Back
Cashback 10% when buying fuel at gas stations; 5% in restaurants, cafes, fast foods. PayPass technology: download your card and pay with your smartphone.
More details
Drive Map
Cashback for purchases at gas stations 10% and 5% for paying for car services and fines. Free cash withdrawals and transfers. Free service with a balance over 150 thousand rubles. Debit / Credit.
More details
Refund by card
Certain bank cards allow their holders to return part of the money in the amount of 2-10% of the amount spent. Cardholders get the opportunity to return finances as compensation for expenses on the following items:
- refueling at gas stations;
- purchase of car parts;
- repair and washing of vehicles;
- payment of roads;
- rental services and more.
The following types of cards have financial compensation functions today:
- Credit card with cashback at the gas station. If the owner is accustomed to constantly using bank loans, then Tinkoff offers a payment product "Tinkoff Drive". This credit card makes it possible to receive a bonus of 10% from a gas station and CASCO insurance, and from other car services - 5%. The limit for it is 700 thousand rubles, the grace period (interest-free time) is 55 days. Moreover, for the first purchase in the amount of 1 thousand rubles. a gift of 1,000 points is required. Such a card allows you to use a whole range of automotive and related services.
- Debit card cashback at a gas station. Alfa-Bank offers to issue a debit payment with a cashback return of 10% when buying fuel, 5% - in public catering, 1% in other retail outlets. For all this pleasure, the client will have to pay 1990 rubles. in year.
- With the accrual of remuneration on the balance of funds. Financial institutions allow customers to earn money by additionally transferring interest on the money that is on the account for some time. In fact, this is a kind of analogue of a deposit. For example, the same Alfa-Bank charges up to 6% on a savings account.
- Co-branded. These payment cards are tied to service at a gas station of a particular company. Gazprombank has one, which has developed a loyalty program at Gazpromneft's gas stations. Client for every 100 p. gets 4 points on the card.
- Cards with a large cashback for additional auto services. These include Rosbank's autocards, using which drivers can return 5% both at gas stations and in parking lots, car washes, and toll roads.
Not all bank cards are equally suitable for motorists. The following criteria will help you to choose the most suitable payment product:
- The financial capabilities of the driver.
- Fixed cost structure. If car maintenance accounts for 10% of the personal budget, then a bank car card with a high cashback at a gas station will do. When a customer spends more money on consumer goods, they are better off choosing tools that focus on savings in this category of expenses.
- The company, which gas stations are most often used by a motorist. It would be more logical to opt for a company with an extensive network of filling stations in the region. This factor will allow you to spend less money on the service in the outlets of the chosen brand.
- The cost of card service. If the bank takes a lot of money for its work, then the client will not notice the benefits for himself as such.
- Compensation validity period. There are times when financial institutions charge a large cashback only in the first month of using the card or in a certain season.
It is considered a profitable option if the driver managed to return more money on the card than they spent on its annual service.
Cashback from Alfa-Bank
One of the most popular payment instruments among motorists is Alfa-Bank's debit card called "CashBack".
Basic conditions:
- refunds for purchases at gas stations - 10%, checks of food outlets - 5%, other purchases - 1%;
- accrual to the savings account - 6%;
- service - 1990 p. in year;
- the required amount for purchases - 20 thousand rubles / month;
- contactless payments.
Additional advantages of the card: interest-free cashing, account replenishment, transfers, advantageous offers for travelers inside and outside the country.
More details
Tinkoff
To help car enthusiasts offset the costs of gas stations and other car services, Tinkoff developed the Tinkoff Drive debit card. Its peculiarity lies in the presence of a bonus program.
List of basic conditions:
- accrual of points for special offers - 30%, refueling - 10%, checks at a car service - 5%, payment of fines for traffic violations - 5%, other purchases - 1%;
- accrual to the savings account - up to 5% per annum;
- service - 190 p. per month.
Partners of Tinkoff-Bank, for purchases from which 10% of the amount spent is charged: Tinkoff-Insurance, Avtopodbor.rf, RAMK (Russian Automobile Club), Remontista.ru.
The Tinkoff fuel card allows you to spend the accumulated points at gas stations and car services. In the first case, 1 ruble is given for 1.5 points, in the second - 1 point is equal to 1 ruble.
More details
Sberbank
Sberbank promises good savings on gasoline to holders of the "Thank you" debit card, while the exchange rate is 1: 1.
Basic conditions:
- refunds in the form of points from partners - 20%, at gas stations - 10%, in catering points - 5%, in retail outlets - 1.5%;
- service - 4900 rubles;
- multicurrency;
- contactless payments.
The bank has more than 500 partners all over the country who accrue and accept “Thank you” points, as well as provide discounts. For example, a debit card holder can rent a car from Avis at a 20% discount.
More details
Post Bank
Post Bank offers favorable conditions to motorists who use the Mir debit card, which is issued simultaneously with the main savings account.
Basic conditions:
- refunds for bills at gas stations - 3%;
- charge on the balance of funds - from 3 to 6% per annum;
- monthly capitalization of income.
An important point is that the Mir card with cashback at the gas station allows you to make a refund at any gas station, while most card services are co-branded.
The amount of accrued income depends on the amount of the balance: the larger it is, the higher the percentage. Using the card as a salary or pension card will also increase the rate.
More details
VTB
Multicard from VTB is a unique payment instrument. Depending on the connected tariffs, it can be debit, credit, pension and salary.
The main conditions of the VTB debit option:
- refunds at gas stations and parking - up to 10%, in cafes and restaurants - up to 10%, in other places - up to 2%;
- accrual of bonuses for any purchases - up to 15%, miles for air tickets - up to 5%;
- accrual of income on the balance of funds - up to 6% per annum;
- monthly capitalization;
- cashing out in own and other people's ATMs - 0%.
The more purchases a client makes using a multicard, the more money is returned back to him.
More details
Application for mobile devices (smartphones)
In 2017, a mobile version of the Benzuber program was developed specifically for active motorists. It allows smartphone owners to instantly pay for fuel at gas stations. With Benzuber, gasoline is refueled without contacting the operator.
The mobile service has the following advantages:
- Ease of use. The driver will need to open the Benzuber, enter the column number and the desired displacement.
- Cashlessness. The client needs to bind a bank card with cashback for gas to the service and then make a payment online.
- Speed \u200b\u200bof operations. You no longer need to wait in line and waste time to pay for gas station services.
- Refund of excess funds. If the purchased volume of fuel does not fit into the tank, then in automatic mode the amount of unused money is transferred back to the card.
To use the online service, a car enthusiast will need:
- Download the Benzuber app to your smartphone and install it.
- Launch the service, go through a simple registration and enter the details of a payment card with cashback for fuel.
- Open the map in the program and select the required gas station. If the driver does not know the nearest gas station, Benzuber with geolocation enabled will help you find them.
- Upon arrival at the gas station, you must enter the column number, the required displacement and pay for the purchase.
- The automated fuel delivery system will activate the dispenser and the vehicle will be refueled. If the purchased gasoline does not enter the tank, then the pistol should be returned to the pump and the service will immediately transfer the unused cash difference to the cardholder.
More about the service
Cashback in the form of money and bonuses is a great measure of saving money, especially for a family where 2 or 3 cars are in use at the same time.
Fuel costs can be a significant part of a person's or family's owning a car's budget. The best bank cards with cashback at gas stations allow you to save a significant amount when buying gasoline, diesel fuel and other goods at gas stations. There are many offers with suitable programs on the market. The list of cards with the best conditions will help you quickly find the best product in a specific situation, as well as deal with all the nuances in advance.
Cashback is a refund of a part of the purchase price by the bank under the loyalty program. Banks often offer motorists to receive an increased cashback at gas stations. At the same time, it is determined that the operation took place at the refueling station using the MCC code. These are 4 digits that are assigned to a trade organization and are transmitted by the terminal along with other transaction data (amount, plastic data).
Banks charge cashback to gas stations if the transaction is carried out with one of the appropriate MCC codes. They are listed in the complete loyalty program rules. Typically, at gas stations, terminals have one of the following MCC codes:
- 5172;
- 5541;
- 5542;
- 5983.
The bank may offer increased remuneration for motorists for other codes as well. For example, some banks in the "Auto" category include not only gas stations, but also car washes and car services.
How to choose the best bank card with cashback for refueling
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 for 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 issue a card with a cashback for gas stations, you should also pay attention to the following points:
- Inexpensive or completely free card service. Plastic should pay for itself and make a profit, not a loss. Expensive cards are of interest only to those who plan to use them actively and are going to use the privileges available on them.
- Conditions for receiving cashback. It can be charged in rubles, points, if it does not come in money, then it is necessary to study the conditions for compensating points. Additionally, you need to pay attention to the minimum amount of purchases for calculating remuneration, the maximum amount of return per month and other nuances.
- Additional cashback categories for car enthusiasts. Saving on fuel is good. But if the bank also pays an increased cashback for carsharing, parking, transport, then the card will allow you to get great benefits.
Additionally, you need to think about which bank is better to order the card. It is worth trusting 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 has 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 the choice of the optimal plastic easier. At the same time, the client does not have to study the entire huge assortment on the market. When compiling the rating, we selected cards with a large cashback at gas stations from reliable banks that are popular with customers.
Alfa-Bank debit card with 10% cashback
Cashback Card - the best offer in 2019 for motorists 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 contact, and you can also order card delivery.
Benefits of a debit card Alfa-Bank
- 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 charge for expenses from 10 thousand rubles. and more or with the balance of 30 thousand rubles. (in other cases, plastic costs 100 rubles / month).
- An opportunity to receive up to 6% on the balance.
- Free cash withdrawal at all ATMs if the conditions for no service charge are met.
Cashback is paid in rubles and you can spend it at your own discretion without any restrictions.
Free credit card MTS CashBack
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 in the MTS salon or with free courier delivery. Only the release of plastic is paid - 299 rubles.
Why are the conditions of the MTS CashBack card interesting?
- interest-free period 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 the rest;
- Up to 25% cashback from partners.
Cashback is credited to the bonus account. You can use it to pay for communication services or purchase in MTS stores. The maximum amount of remuneration per month is 10,000 rubles. If the debt is not repaid for the grace period, the rate is 11.9-25.9%.
Tinkoff Drive debit card for motorists
Tinkoff offers the best cashback at a gas station with a Drive card, car services and payment of fines, parking lots and toll roads. The card is issued free of charge and delivered by courier. Monthly maintenance fee 190 rub. it is not charged for balances of 150 thousand rubles. or active credit.
5 reasons to get plastic Tinkoff Drive
- the ability to buy fuel with a 10% cashback;
- cashback 5% for any car services, parking fees, fines;
- return of bonuses for any purchases in the amount of 1%;
- the opportunity to receive up to 30% cashback from partners;
- free transfers by requisites and up to 20 thousand rubles. per month for third-party plastic.
Cashback is awarded with bonuses. They can be used to compensate payments for car services (at a rate of 1 to 1) or payments at a gas station (rate - 1.5 bonus wounds 1 ruble). Bonuses are exchanged instantly through the online bank or application.
Debit card Four from Unicredit Bank
The next in the rating of the best cards with cashback at gas stations is the card "Four" from Unicredit Bank. It allows you not only to receive bonuses for purchases, but also to use the “Driver's package” service, which includes legal advice and technical specialists. At expenses from 10 thousand rubles. additional roadside assistance services are available to the client per month (fuel delivery, car evacuation, etc.).
The main advantages of the card "Four" from Unicreditbank
- up to 10% cashback for gas stations, taxis, car sharing, parking and public transport;
- 1% cashback for other purchases;
- up to 15% cashback from partners;
- cash withdrawal at no additional charge from Unicredit ATMs and partner banks (MKB, Otkritie and others).
The remuneration is paid in rubles. For 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 Bank Opening 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 (up to 500 thousand rubles) options. Plastic is serviced free of charge without any conditions. A fee of 500 rubles is charged for the issue, but it is returned with bonuses.
Let's consider why the Opening cashback card is attractive for a car enthusiast
- The largest cashback at a gas station is up to 12% if all conditions are met and 1% reward for other purchases. The category "Auto and Transport" also includes metro, car sharing, taxis and ground public transport. Instead of the category of increased reward, you can choose cashback up to 3% for everything.
- Free recharge from any cards. And from a debit card, you can also transfer to other cards up to 20 thousand rubles. per month no commission.
- General bonus account for all OpenCard cards. It allows you to accumulate credit card and debit card bonuses at the same time.
- Grace period for crediting up to 55 days and rate from 19.9%. These options are available with an Opencard credit card.
Cashback is credited with bonus rubles. They can be used to compensate for any purchase in the amount of 3000 rubles or more.
Free installment card Halva with 6% cashback at partner gas stations
"Halva" - a universal free installment card, popular with motorists, with the ability to receive high cashback at gas stations from among partners. The client will receive the maximum remuneration of 6% for payment by phone (Google Pay, Apple Pay) at his own expense. When paying by card, the amount of remuneration is 2%. Outside the affiliate network, cashback will be 1%, regardless of the payment method.
Advantages of the Halva card
- the ability to shop in installments for up to 18 months;
- credit limit from the bank - up to 350 thousand rubles;
- accrual up to 7% on the balance;
- there is no commission for withdrawing your own funds at any ATM.
Cashback is awarded with points, in a maximum of 1 month you can get 5000 points. You can exchange them for rubles in your personal account or in the application.
Bank card # PossibleEverything from Rosbank
#Everything is allowed - another card that allows you to get an increased cashback at any gas station (Gazpromneft, Rosneft, Lukoil, etc.). It is issued by Rosbank as a debit card and 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 and 1% for everything else. Other categories of cashback and Travel bonuses are also available to choose from.
The main features of the line of cards # Possible Everything from Rosbank
- Free service with the amount of purchases per month from 15 thousand rubles. For debit cards, it is also provided with an amount of funds credited from 20 thousand rubles. or with balances from 100 thousand rubles. on any accounts.
- A grace period of up to 62 days is available for credit cards. It only applies to purchases.
- On the savings account, you can get up to 8% on the balance. You can open it through the app or online bank.
- Additional bonuses from partners. When shopping from them, you can get cashback up to 20%.
The minimum cashback per month for payment is 100 rubles, and the maximum can be returned under the program 5000 rubles. per month. Cashback is credited with money.
Registration or
VISA debit card # all immediately from Raiffeisenbank
#All at once - another profitable debit card from Raiffeisenbank. It allows you to receive cashback at all gas stations and for purchases in any other stores. Service of the card costs 1490 rubles. per year, but for shares it is possible to issue it without charging this fee.
Distinctive features of plastic # All at 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 in the 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 certificates of partners, 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. In 1 month you can get up to 1000 points.
Fuel with cashback on a debit card Benefits of Home Credit Bank
Home Credit debit card “Benefit” is another banking product in the rating, which allows you to receive cashback for purchases at gas stations and any others. They release plastic for free. You will also not have to pay for its maintenance at expenses from 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 card "Benefit" from competitors
- Accrual up to 7% on the balance.
- 5 times a month you can withdraw cash without commission from third-party ATMs.
- Cashback up to 10% when paying for fuel at gas stations, up to 15% - when shopping 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 the rate of 1 to 1 in the online bank. The maximum per month you can get under the loyalty program is 5000 rubles. Basic cashback (without shares) for the “Gas station” and “Pharmacy” categories - 3%.
The best credit card of the Russian Standard with cashback for gas stations
Platinum - the best credit card with cashback program for car owners. As part of the promotion, new customers can choose the 3 best categories of increased cashback for it, including gas stations. Cashback is charged for them at 5%, and for everything else it will be 1%.
Advantages of 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 firms up to 15%.
To receive a reward, you need to spend at least 5,000 rubles in 1 month. It is credited with bonuses, which you can change goods and certificates from the catalog, and they can also pay for communications, utilities through an online bank.
Sberbank debit card with big bonuses up to 10% for gas stations
Card "With big bonuses" - the best offer for motorists from the largest bank in Russia. It is made free of charge, but every year its holder has to pay 4900 rubles for service.
The main advantages of the card "With big bonuses"
- payment at gas stations with a cashback of 10% (up to 20% - for shares), a similar fee is charged for trips to Yandex.Taxi and Gett;
- payment of bills in cafes and restaurants with 5% cashback (10% - on shares);
- payment for purchases in supermarkets with a cashback of 1.5% (3% - on shares) and all others with a reward of 0.5%;
- free SMS-notifications about operations and emergency cash withdrawal are provided if plastic is lost in another country;
- privileges to the holder from the payment system (discounts, increased cashback).
Accrue rewards with bonuses Thank you. They can be spent at 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 on it is charged at the rate of 1% for everything and 5% for 3 selected categories from the list offered by the bank. If there are gas stations in the category options for selection, then you can receive a 5% refund for them within 3 months. Then the bank will offer to choose other or the same categories.
The main features of the Tinkoff Black card
- There is no service fee with a balance of 30 thousand rubles or more, a deposit of 50 thousand rubles or more, as well as with an active loan (otherwise - 99 rubles / month).
- Additionally, you can get cashback from partner companies in the amount of 3-30%.
- The balance of up to 300 thousand rubles is charged with interest at a rate of 6%.
- You can withdraw cash free of charge at any ATM (at least RUB 3000 at a time).
- There is no charge 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 under the loyalty program, you can get 3000 rubles.
Cashback at Lukoil gas stations using a co-branded card of Otkritie Bank
The rating is closed by a co-branded card from Otkritie Bank and Lukoil gas station. It is aimed at drivers who prefer refueling from this company. It costs 299 rubles. But they do not take 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 or more. and paying for at least 1 purchase per month or with a balance of 150 thousand rubles. and expenses from 20 thousand rubles. per month.
The main features of the Lukoil card from the Otkritie bank
- 300 bonuses as a gift on the first transaction;
- 1 bonus for every 50 rubles spent at a Lukoil gas station, and 75 rubles. - spent elsewhere;
- there is no charge for withdrawing cash in third-party devices if the conditions for free plastic service are met.
The accumulated bonuses can be spent at Lukoil filling stations for 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 ability to generate income on the balance. There is no need to pay for service at expenses of 10 thousand rubles or more. per month, and in other situations it costs 149 rubles. per month.
Benefits of Ultra Card Cashback
- Cashback at gas stations - up to 10%. You can also choose another category - "Taxi", "Entertainment", "Baby products", "Sports goods".
- Receiving cashback for other purchases. It is charged up to 1%.
- Interest on the balance. They are charged at a rate of up to 5% per annum.
- There is no fee for withdrawing cash at any ATM. 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.
Loyalty program rewards are paid in rubles. You can spend them at your own discretion.
How to get the biggest profit or cashback at a gas station
Bonus cards of gas station chains allow you to increase savings when buying fuel at gas stations. They can be used simultaneously with cashback cards to receive discounts. Additional savings can be gained by purchasing fuel in advance through apps or by using fuel cards. They can also be combined with bank cards providing cashback at gas stations.
Bonus cards of filling networks
Almost all gas station chains issue bonus cards for loyalty program members. 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 program "We Along the Way" Gazpromneft allows you to receive up to 3 bonuses for every 1 liter of purchased fuel and 1 point for every 50 rubles spent on other goods. The accumulated points can be spent on fuel and purchases at the filling station network at the rate of 1: 1.
Using a bonus card and a bank cashback card at the same time, you can get double benefits and save more.
Turbo application for online fuel purchase at Gazprom Neft gas stations
Turbo application for smartphones allows you to purchase fuel in advance at competitive prices. At the same time, to pay for it, you can use a cashback card from the bank and receive bonuses in full. When you need to refuel, the driver needs to select a gas station in the smartphone, indicate the column and insert the pistol into the tank.
The main features of the Turbo application
- the price for 1 liter of fuel is lower than at a gas station, especially when buying large packages;
- you can refuel with pre-purchased fuel at Gazpromneft and ESA filling 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 Fuel tanker
Gasoline tanker - universal fuel card. After replenishing her balance, she can pay for gasoline with a 5% discount at partner filling stations (Gazpromneft, ESA and other networks). For every 10th filling, the discount will be increased to 10%.
When replenishing the balance of a Fuel Truck card through the website, the MCC code 5541 is used. This allows you to additionally receive cashback on your bank card and increase fuel savings. The list of gas stations is constantly updated. It is available on the website and in the app.
The best bank cards with cashback at gas stations can reduce fuel costs by 5-12%. And if you use together with them loyalty cards of filling networks, special applications or fuel cards, you can save up to 15-20% from each liter of gasoline or diesel fuel.
Small gifts are often pleasant. Especially when these gifts are part of the money spent that is returned to us.
Cashback allows us to spend money and get back a certain percentage of the purchase amount. Thus, you can profitably spend money and protect your family budget.
Banks such as Tinkoff, Alfa-Bank, Sberbank and VTB offer cards with cashback. Now everyone has the opportunity to return a part of the money from the purchase of a cola and a hamburger at McDonald's, a beautiful blouse for themselves and even a new iPhone.
Having a cashback card with you, you can save money on refueling your car. Considering the current gas prices, using cards with cashback at gas stations is a great way to pay less for fuel and get more. But which cards have the most favorable cashback conditions? Especially for our readers, we open our own top cards with cashback at gas stations, restaurants and other places. Go!
Cards from "Alfa-Bank"
If you decide to get a card from Alfa-Bank, then every month you will receive 10% cashback at the gas station. In order for the money to be returned to you, you need to pay by card at each refueling.
Is ten percent a lot or a little? Imagine if you spend about 8,000 rubles for a gas station in a month, then with an Alfa-Bank card you will save 800 rubles. Now think about what you can spend this money on!
If you often eat in cafes or restaurants, then this card will also suit you. For payment by card in "catering places" you will return 5% of their cost.
For other purchases, you will be refunded 1%.
There are 3 card statuses that provide special benefits:
- Optimal... The maximum cashback is RUB 2,000. per month, but to get it, you need to spend at least 20,000 rubles. By activating this package, you can transfer, spend and withdraw funds without interest.
- Comfort... For the spent 20,000 rubles. you get up to 3000 rubles. By subscribing to this service package, you can use exclusive opportunities for travelers, as well as pay traffic fines and utility bills.
- Maximum +... You will be refunded up to 5,000 rubles if you spend 30,000 rubles per month. This package will allow you to withdraw money abroad without interest, book a transfer and buy rail and air tickets.
Tinkoff Black card
Black card from Tinkoff brings happiness, good luck and maximum cashback of 30%! Just make payments with this card and get some of the money back. In addition to cashback, the card can earn money on its own - every year you will be transferred 6% on the balance of the account. If you do decide to start it, then know that its service is free.
Paying for the purchase of fuel with a Tinkoff Black card, you will receive 1% back. Though it is a trifle, it protects the ruble.
For any purchases in shops, cafes and restaurants, you can return 1%. Buy goods from special categories, because for such purchases you can get an increased cashback of 5%. And if you buy with special offers, then you have the opportunity to return up to 30% of the money spent.
By the way, about the special categories! The Tinkoff company in each quarter of the year allows its customers to choose 3 categories of goods for which you will receive 5% cashback. There are often categories related to cars, so don't miss your chance!
Tinkoff Bank has also issued special cards that will allow you to accumulate bonuses and spend them in partner stores, airlines and Internet services.
Tinkoff Platinum card
You can also get a credit card "Tinkoff Platinum" and get a loan from 300 thousand rubles at 12.9% per annum. The cost of servicing the card is 590 rubles per year.
If you make purchases or refuel at a petrol station using this card, then you will receive Bravo bonuses. For every 100 rubles spent, you get 1 point.
Among other cards, Platinum boasts the largest cashback, because buying from partner companies like Kari, Burger King, Media Markt, you have the opportunity to get back up to 30% of the purchase price.
Multicard from VTB24
VTB Bank offers to use a multi-card - a universal card that allows you to make transfers to accounts of other banks and withdraw money from any ATMs completely free of charge. It is not for nothing that the multicard received the title of “best card” according to Banki.ru.
If you fulfill one of the conditions, then you do not need to pay for the annual card service. One of the rules for receiving free service says: you need to purchase goods and services for 15 thousand rubles monthly. In addition, if you have at least 15 thousand rubles on your account, then you will not have to pay for the service.
Otherwise, monthly service of the card will cost you 249 rubles.
Among other things, this card boasts up to 10% cashback.
There are also four options that can be changed once a month. Let's get acquainted with them!
Cashback accrual for purchases at gas stations and restaurants
- If you spend from 5 to 15 thousand rubles per month on gas stations, parking and restaurants, then your cashback will be 2%.
- Spend from 15 to 75 thousand rubles, you will get more - 5%;
- From 75 thousand rubles you get 10% cashback.
Cashback accrual for other purchases
By paying for daily purchases, you can get up to 2% cashback. Of course, the amount of charges depends on the amount spent:
- From 5 to 15 thousand rubles - 2% cashback;
- From 15 to 75 thousand rubles - 5% cashback;
- From 75 thousand rubles - 10% cashback.
Earning bonuses and miles for purchases
When purchasing goods using a VTB multicard, you receive accruals not in rubles, but in bonus miles and bonuses. The number of miles depends on the amount you spent in a month.
- From 5 to 15 thousand rubles - 2 miles per 100 rubles spent;
- From 15 to 75 thousand rubles - 5 miles for 100 rubles;
- From 75 thousand rubles - 10 miles for 100 rubles.
What to do with the accumulated miles? They can be exchanged for railway or air tickets, pay for a hotel room and car rental. Thus, by spending your money, you can ensure yourself an unforgettable vacation.
The situation is similar with points. You get the same number of bonuses as miles. The accrual conditions remain the same. A coffee maker, movie tickets, an anti-stress blanket, the new Xiaomi Redmi 4A smartphone and a ton of other gifts can be purchased with points.
Getting increased income from savings
If you have a savings account, then you can choose this function and receive an even higher percentage of the deposit.
The basic savings account rate is 8.5%, but if you activate this option, you get 1.5% in addition.
If the car has become your best friend, then we advise you to activate the "Auto" function. Refuel your car, pay for parking, buy auto parts and consumables and get cashback. The more often you pay for car goods with a VTB24 card, the more you will save.
Otkritie-Lukoil card
Otkritie Bank, together with Lukoil gas stations, offers its customers to get a special debit card. With its help, you can earn points and spend them on the purchase of fuel.
To receive bonuses, you do not need to purchase goods at Lukoil gas stations. You can spend money in any store, cafe or restaurant.
A card with cashback at a gas station has 3 levels:
- Base... After making your first purchase, you earn 200 points. For purchases in shops, cafes and restaurants - 1 point per 100 rubles. You must pay 99 rubles a month for servicing the card.
- Optimal... The first purchase will bring you 300 bonuses to your account. At the gas station, you will also receive 1 point for 50 rubles spent, and outside it - 1 point for 75 rubles. Card service is 299 rubles.
- Premium... This is a status with maximum opportunities. After the first purchase, you get 600 bonuses. For purchases outside the gas station, you get 1 point for 60 rubles. Monthly service of the card costs 2,500 rubles.
Premium and optimal status gives you the opportunity to insure yourself when traveling abroad. Another advantage is 6.5% on the balance for all cards, regardless of their status. Premium, optimal and basic cards earn 1 point for every 50 rubles spent at Lukoil filling stations.
For convenience, you can attach your card to Apple Pay, Android Pay and Samsung Pay services and pay using your phone.
Cosmos card from Home Credit Bank
The "Cosmos" card will allow you to save on gas stations, returning 3% from purchases at gas stations and restaurants, as well as 1% from purchases from other stores. It should be noted that in addition to cashback, you will be charged an annual 7.5%.
You will have to pay 99 rubles a month for servicing a card with cashback at gas stations. But if your daily balance is more than 10,000 rubles or your monthly expenses are more than 5,000 rubles, then the service will be free.
You can also get an additional card with for your spouse, son, daughter and other family members. The cost of an additional card is 200 rubles.
The commission for transferring money to another bank account is 1%. If you prefer to use Internet payments, the commission will be much lower - only 10 rubles per transfer.
Moscow Industrial Bank "Priority" card
This card provides many privileges, one of which is high cashback. For refueling your car, you will be credited with 10% of the amount spent. If you like to spend time with friends in restaurants and bars, this card will return you 5%.
Cash withdrawals from any ATMs are commission-free, which is a good advantage.
The special services of a bank card include insurance while traveling abroad and a free transfer to the railway station or airport. Perhaps, such an exclusive offer will certainly appeal to travelers.
By purchasing high-value goods with a card, you double the product warranty. If your new laptop breaks down, the bank will cover the repair.