All at once Raiffeisen check points. Raiffeisenbank cards with cashback (debit)
7 minutes to read. Views 653 Posted on 23.07.
According to financial analysts, the most common areas offered by modern banks are lending programs for the population. Debit cards are no less popular, which almost every resident of our country has in stock. Leading Russian banks, including Raiffeisenbank, in order to expand their client base, are developing and implementing new promotional programs that can be used by the owner of bank cards.
One of the most profitable loyalty programs is the Discounts for You campaign. Raiffeisenbank launched a bonus campaign in 2006. It operates throughout Russia and is intended for holders of bank cards. The financial product, unique in its capabilities, successfully combines attractive discounts, bonuses and cashbacks, developed specifically taking into account the requirements of the bank's modern clientele.
"Discounts for you" - a profitable program from RaiffeisenbankBonuses and discounts from Raiffeisenbank and its partners
Participation in the Raiffeisen loyalty program is free. Anyone who wants to get the maximum benefit from an existing bank card can become a participant in the promotion.... Moreover, the connection to the loyalty program occurs automatically, immediately upon activation of a new payment instrument.
As part of the "Discounts for You" campaign held at Raiffeisenbank, an automatic notification system operates. The program member receives free notifications of new discounts and bonuses provided by the partner stores of Raiffeisen Bank.
To exercise the right to a discount, the cardholder just needs to present it at the POS terminal. When paying with a plastic card from Raiffeisenbank, its holder gets the opportunity to use the following benefits:
- for the first payment made - up to 25.00%;
- with participation in short-term promotions - up to 55.00%;
- for services and goods from partner stores - 5.00–40.00% (the amount of discounts is set directly by the store).
Also, bonuses are available to all participants of the promotional program. For example, a certain cashback in the form of a cash part, it can be fixed or vary depending on the purchase price. Surprise gifts given to cardholders in fashion boutiques (pendants, jewelry, scarves and other accessories) also become pleasant.
All partner stores can be found on the bank's website
List of partner companies from Raiffeisenbank
Raiffeisenbank is one of the largest and leading banks in the Russian Federation. It is famous for its long-term and fruitful cooperation with a number of powerful foreign and domestic companies. The main partner organizations of the bank are firms such as:
- Sixt, Avis - car rental;
- Holly.shop.ru, YOOX - online markets;
- Hotels.com, Rixos - hotel business;
- BombBar, GrowFood - food products;
- Guinot, Alessandro - spa salons and beauty clubs;
- SkyEng - education, training, various courses;
- Yves Rocher - cosmetics and perfumery;
- Tefal, Bosh, LiebHerr - electronics and home appliances;
- Bovet, FreyWille, BestWatch - watches, jewelry;
- "Bavarius", "Zhalina-Govyadina" - bars, cafes and restaurants;
- "Expedition", "Florist-ru" - gifts, surprises, floristry;
- Grohe, "Window Systems", Design - goods for interior and home;
- Pioneer, Storytel, Audiobook - goods for entertainment and leisure;
- Olant, Daughters-Sons, myToys - clothes and products for children;
- Hotels.com, MosGorTur, Ostrovok.ru - goods for travelers;
- Groundhog Day, Traektoria, GallaDance - goods for sports and outdoor activities;
- Hogl, Bogner, Kanzler, Thomas Munz - accessories for men and women, footwear and clothing;
- Rigla, Bestklinik, Optic-City - medical, pharmacological products;
- "Chanterelle", "Delicate move", "Remontista" - various services, services to the population.
The full list of organizations that are partners of Raiffeisenbank can be found on the bank's official website, in the subsection dedicated to the loyalty program.
Since the beginning of 2019, Raiffeisenbank has introduced special offers for the cashback program... They relate to the increase in discounts when visiting the best restaurants in Moscow and the northern capital. Also, customers participating in the bonus program are provided with an additional discount of 25.00% when purchasing goods to create home comfort.
To receive timely alerts about discounts, you should subscribe to the newsletter
What discounts can you get?
To receive pleasant bonuses, you just need to become the owner of any plastic card from Raiffeisenbank (both debit and credit). Moreover, the type of plastic card does not affect the amount of benefits received. But for holders of Premium class cards (Premium Direct and Premium Banking), there are still separate discounts that work during promotions by partner organizations.
When booking cars and hotel rooms, members of the bonus program also receive special conditions of service and additional privileges. To do this, you should indicate the status of your bank card when making your reservation.
SELA bonuses
The list of the most popular and sought-after partners of Raiffeisenbank, participants in the loyalty program, includes a chain of fashion boutiques by SELA. This company provides each participant of the loyalty program with a 20.00% discount when purchasing goods from a new collection, subject to a total purchase price of 3,000 rubles or more.
To take advantage of the advantageous offer, the bank's client should do the following:
- Fill out an application form on the store's website. You must indicate your personal and contact information, as well as your date of birth.
- Receive a reply message by E-Mail with confirmation. The message contains a link, by clicking on which the card holder will automatically be on the portal page with an individual promotional code.
- This code must be presented when paying for a purchase in any of the chain's stores, and the goods must be paid only with a Raiffeisen card.
You can use a promotional code from the Sela store only when visiting a clothing boutique. The discount does not apply when purchasing goods from the online store.
Great deals at NYX PROFESSIONAL-MAKEUP
No less pleasant surprises await bank card holders in NYX Professional-Makeup stores. The products of the market will especially delight women, because the store offers a huge selection of all kinds of cosmetics and accessories for female attractiveness. The procedure for obtaining a personal promotional code does not differ from the one already described.
You can also receive notifications through social networks.
Gifts from the online store TheOutlet.ru
This online marketplace is considered one of the most popular online stores for accessories and fashion clothing. Loyalty program members can get a 7.00% discount on products from the world's leading brands. To do this, use the instruction:
- Go to the official website of the market and add any product you like to the basket.
- In a special window, when filling out a purchase, the RFB7 code is entered.
- It remains to complete the purchase procedure with a discount (it will be displayed immediately after specifying the promotional code).
How to profitably use the Visa card from Raiffeisenbank
Many Raiffeisen partner stores that are members of the loyalty program also offer a number of additional discounts to PS Visa cardholders. When paying with this card, its owner is able to purchase food, as well as tickets to movie shows with a 50.00% discount. Discounts for Visa cardholders work in the following companies:
- coffee houses "Coffee House";
- cinemas "Kinomax";
- bakery shops of the "Daily Bread" brand.
What other promotional programs are there from the bank?
All customers of Raiffeisenbank and holders of a bank card should also learn about other equally attractive offers. In addition to the "Discounts for You" loyalty program, the following promotional offers are successfully operating:
- Healthy food delivery company Grow Food offers a 10.00% discount on the initial order. To take advantage of the discount, the customer must indicate the code “RFBANK” in the purchase coupon.
- The network of salon optics "Lensmaster" gives cardholders from Raiffeisen 10.00% cashback. This offer is active for the first five online purchases.
- The Consul company, which offers jewelry and Swiss watches, gives banking customers a 20.00% discount on payment. To receive a bonus, you must indicate the promo code Rb20. This offer also applies to purchases in the online stores of the network.
- A 10.00% discount is offered by the Brilliant24 jewelry and accessories salon. To activate, you need to specify the code Raiff2018.
- And those clients of the bank who buy clothes at the HENDERSON Fashion House with a check value of RUB 75,000 or more will receive a 15,000 discount.
conclusions
Raiffeisenbank is not only one of the largest banks in Russia. This financial institution compares favorably with other banking structures with an extended loyalty program. All bank card holders take part in it, who can successfully and with the maximum benefit for themselves acquire the necessary goods. Profitable promotions, bonuses and high cashbacks await every cardholder from Raiffeisen.
Updated on 02.11.
In today's article, we will take a closer look at the Raiffeisenbank card # ALL AT ALL TIME, by which you can get 5% cashback for all purchases.
The credit version of the card "ALL AT ONCE" appeared back in May 2016, so it is already possible to summarize some results based on the six-month experience of using the card by the first clients. The debit card has become available for registration since December 2016.
The loyalty program for these cards is practically the same in the first year. The article will consider credit card and debit at the same time.
So, this is how the card # ALL AT ONCE looks like on the bank's website:
Map ALL AT ONCE. Dignity
1 Cost of release and maintenance.
The annual cost of servicing the "ALL AT ONCE" debit, which is referred to in tariffs as Visa Cashback Debit, costs 1,490 rubles. (additional cost also costs 1490 rubles):
A Visa Cashback credit card also costs RUB 1,490. per year (additional 500 rubles), but there is also a variant of a card with an individual design Visa Cashback Design for 1990 rubles. in year. To save time, you can apply for a credit card leave online, in many cities free card delivery is implemented.
GET A CREDIT EVERYTHING IMMEDIATELYThere is no need to issue any additional paid packages to the "ALL AT ONCE" cards. You can apply for a credit card on the Raiffeisenbank website.
Both options are equipped with a chip, have PayWave contactless payment technology and support the 3D-Secure function for making secure payments on the Internet.
Cards can be either unnamed and instant (if you can't wait to start using them), or personal.
Now under the action "Rife" distributes to everyone "EVERYTHING AT ONCE" debit cards with free service for the entire validity period of the card, if you leave a request before 12.22.19.
2 Requirements for the card holder.
To receive a debit, there are no special requirements, but for a credit card you will need to confirm your income, and in Rife you can confirm income not only with a 2NDFL certificate or in the form of a bank, but also with a passport with a border crossing mark, or documents for a car in ownership and rights:
When issuing a credit card, insurance is automatically connected. Managers tell clients that if they refuse insurance, the card will most likely not be issued.
The insurance can be turned off after receiving the card, or you can immediately refuse:
As in any bank, there are customer reviews who, despite the provision of all the certificates, the presence of a good credit history, etc. all the same, a refusal in a credit card comes. Here, as luck would have it, you need to try.
3 Bonus program.
When paying for goods and services by credit card "ALL AT ONCE" for every 50 rubles, 1 point is awarded, 1 point is charged for debit for 50 rubles only for new customers the first 365 days from the date the card was opened. From the second year on, 1 point is put on debit for every 100 rubles. Rounding off is not in favor of the client, for example, 1 point is given for a purchase of 99 rubles with a credit card. This rounding becomes less noticeable as the purchase price increases. The number of accumulated points can be monitored in the personal account of the bonus program.
It can be concluded that it is not very profitable to issue a debit card # EVERYTHING AS RIFA's current client. So if you need a debit, you must first close all accounts in "Rife" and come for the card as a new client. True, in this case, there is no time to catch a promotion with a free first year of service, since card accounts in Raife are closed 45 days after the application was submitted.
You can exchange points for certificates of partners (S7 Airlines, Ozon, Yandex Taxi), and you can also exchange them for rubles. The most profitable certificate is worth 20,000 points, and 50,000 rubles will be awarded for it. And it is the exchange of points for this certificate that will give us the desired 5% cashback on all purchases:
By simple mathematical actions, you can calculate that cashback with 5% points can be converted into real money when the spending threshold of at least 1 million rubles is reached. (in fact, a little more, due to rounding of points not in favor of the client when accruing). Therefore, customers have already nicknamed this card "Rife" "NOT ALL AT ONCE" or "NOT ALL AT ONCE".
The amount of spending seems to be very large, but "Rife" pours porridge for almost everything, you can get 5% cashback for paying for mobile communications, utility services, taxes and fines, except that porridge is not allowed for paying for insurance ( UPD: 05/12/2018: from 05.24.2018 "Rife" pours porridge and to pay for insurance). The list of exceptions for Raiffeisenbank is very short:
Points are valid for 36 months:
However, we remember that on debit from the second year 1 point will be credited already for 100 rubles, and not for 50, i.e. cashback with the most favorable option will already be 2.5%. So if a credit card allows you to accumulate points for three years with a cashback of 5%, then when making a debit, you need to be sure that the spending bar of 1 million rubles will be subdued to you in 1 year, otherwise it will not be so profitable.
There is no general monthly limit in the accrual of points on the "ALL AT ONCE" card, there is only an annual maximum of 40,000 points, as well as a limit of 1000 points / month for purchases in one merchant (or in different stores of the same network):
The restriction on the accrual of a maximum of 1000 points for purchases in one merchant (the number of points will be given for a purchase of 50,000 rubles) makes the Rife card not particularly useful when paying for large purchases. It should be noted that this limitation was not in the initial conditions of the loyalty program. In general, the bonus program has changed two times already. First, they introduced a limit of 100,000 rubles. in one merchant, and a maximum accrual of 5000 points for MCC 5533 (Auto parts and accessories):
A week later, the loyalty program was changed again, removing past innovations, and introducing a limit of 1000 points in one merchant per month:
Naturally, the possibility of changing the loyalty program by the bank unilaterally is not at all happy, since during the period of time until it is possible to master 1 million rubles, the program may become completely unprofitable or completely evaporate.
Of course, Rife prescribed the right to change the loyalty program or cancel it in its terms of participation in the program:
There are some vague wording in the rules of the bonus program that can scare away from receiving a card "ALL AT ONCE". "Rife" may not pay cashback and not exchange it for rubles if it considers that you are abusing your rights and cheating the bank, or using the card for business:
Here is a testimonial from a client who was excommunicated by Rife from the loyalty program for suspicion of entrepreneurial activity (due to payment for advertising services). According to the client, all the expenses were fair, there were no markups:
True, the client's “honest spending” meant paying for the phone, the Internet, utilities, Yandex Direct. And given that the client applied for a certificate already in July, and the card began to be issued from mid-May, these honest spending amounted to 1 million rubles in 2 months:
Here are the reviews of customers who have already managed to accumulate 20,000 points (i.e. make at least 1 million spending on the card) and have received the coveted 5% cashback:
Rife promises to give 500 points for a birthday:
Considering that 50,000 rubles are awarded for 20,000 points, it means that 500 points corresponds to 1250 rubles. Thus, this gift practically discourages the cost of the annual card service.
UPD: 18.06.2017
It is possible to issue a card "ALL AT ONCE" with 5% cashback for everything with the old limits of points accrual (40,000 points per year and no more than 1,000 points in one merchant per month) only until July 1, 2017. For new customers, from July 1, conditions are noticeably worsening, the monthly limit for the accrual of points in all merchants will be limited to 1500 points, i.e. spend more than 75,000 rubles / month. on the card "ALL AT ONCE" will be meaningless. For old clients, the conditions will not change:
UPD: 11/17/2017
Many do not apply for a card "ALL AT ONCE" of "Raiffeisenbank" due to the fact that making purchases for 1 million rubles. to get 5% cashback is a very high spend turnover. In addition, with the introduction of a restriction on the maximum number of points per month (1500 points), debit registration has become completely unattractive, because increased points (1 point for every 50 rubles) are awarded to new customers only in the first year of the card.
However, "Rife" has other certificates for which you can exchange bonus points (and not just a certificate of 50,000 rubles for 20,000 points), for them you need to make a much smaller number of purchases.
The effective cashback will, of course, be less than 5%. However, "Rife" gives porridge for almost everything (including mobile communications, etc.), so it still turns out to be more profitable than many cards from other banks.
● 4000 points can be exchanged for a certificate of 4000 rubles. This is equivalent to a 2% cashback when spending 200,000 rubles.
● 600 points can be exchanged for a Yandex.Taxi certificate for 500 rubles. This is equivalent to a cashback of 1.67% when spending 30,000 rubles.
● 2000 points can be exchanged for a certificate of 2000 rubles. on Ozone. This is equivalent to a 2% cashback when spending 100,000 rubles.
● 4000 points can be exchanged for a certificate of 6000 rubles. on Ozone. This is equivalent to a 3% cashback when spending 200,000 rubles.
UPD: 12/20/2017
From 01.01.2018 Raiffeisenbank is significantly deteriorating its bonus program for the card "ALL AT ONCE". The maximum number of points that can be awarded for purchases within one calendar month for all customers will be 1000 points:
Thus, to accumulate 20,000 points, which can be exchanged for 50,000 rubles. you will need to save at least 20 months.
Now "Rife" will only give 300 points for his birthday (was 500):
A little consolation will be 200 points for the New Year:
For cards opened after 01/01/18, for making debit transactions for 5000 rubles. Welcome 300 points will be awarded:
4 Commission-free online banking payments.
You can pay for a lot of things without commission in the Rife Internet Bank:
Moreover, you can also get porridge in 5% when paying in IB from your credit card or debit # ALL AT ONCE:
5 Grace period for crediting.
The grace period for a credit card "ALL AT ONCE" is honest (for details on what an honest or dishonest grace is, read the article), it is up to 50 days.
The settlement date for "Rife" is the date from which the debt can be repaid for the reporting period, usually the 7th day of the month (if it falls on a holiday or weekend, it is postponed to the first working day). The reporting period is the period from the 7th day of the previous calendar month to the 6th day of the current calendar month inclusive. The payment period is the period for repayment of the minimum payment, it is always 21 calendar days starting from the settlement date.
Grace period for crediting - the period from the date of use of the credit limit in the reporting period until the last day of the corresponding payment period, inclusive.
In the example considered, in order to comply with the conditions for granting a grace period, the purchase on March 17 must be redeemed before April 27. Purchases made in the period from 07.04 fall into the next payment period, and the debt on them must be repaid by 27.05.
In general, you need to pay off the amount of debt on the 7th day indicated in the statement, if by this date there are authorized, but not carried out operations, then they will go into the next reporting period:
During the grace period, of course, Rife does not get cash withdrawals from a credit card at ATMs, transfers from card to card, quasi-cash transactions. A commission of 3% + 300 rubles is charged for them:
Quasi-cash transactions "Rife" means replenishment of Internet wallets, payment of traveler's checks, replenishment of accounts in other banks, purchase of chips in casinos:
It is worth noting that you cannot withdraw your own funds from a credit card without a commission (they may, for example, be there if you replenished the credit card with your own funds before buying, since your credit limit was not enough to complete the operation, and the purchase did not actually take place ).
I do not specifically indicate the interest rate on the credit card, and I do not say what exactly will happen if the conditions of preferential lending are not met, this information should not bother you.
If you are not 100% sure that you will be able to constantly comply with the conditions for granting a grace period, then it is better to refrain from issuing a credit card, and not only "Rife", but in general from any bank. Interest rates, fines, and penalties on credit cards are very high for all banks.
UPD: 04/02/2018
Raiffeisenbank has the opportunity to change the date of the statement to a more convenient one, however, this can be done no more than once a year:
6 It is convenient to replenish the card.
Raiffeisenbank cards are able to draw funds from cards of third-party banks through their own Rife service (accordingly, you need to make sure that the donor bank does not charge a commission for such operations). Moreover, these operations are displayed as carried out on the account almost immediately, which is very convenient when repaying a loan.
Debit "EVERYTHING AT ONCE" is a free donor, the credit card, accordingly, punishes donation with a commission of 3% + 300 rubles. You can read more about c2c translations in the article.
7 Discounts from partners.
8 Supports Apple Pay, Samsung Pay, Google Pay.
Raiffeisenbank supports advanced smartphone payment technologies Apple Pay, Google Pay and Samsung Pay. One and the same card can be added to several devices and used at the same time, thus, free add-ons are obtained.
UPD: 09/08/2018
9 Savings account for new clients.
For new clients, Raiffeisenbank always has special offers on savings accounts.
When a new client opens the first current account (when issuing / receiving the first card) on this day, you can at the same time open a savings account "Active", where the balance is up to 100,000 rubles. honest 7% per annum are charged:
New clients are understood as persons who were not Rife's clients within 30 days prior to contacting the bank:
UPD: 02.11.2019
The "Active" account is now unavailable for new clients, they are offered to open a less profitable savings account "Simple and Profitable", there for a balance of up to 2 million rubles. put 6% per annum, however, not on daily, but on the minimum for the month:
For those who managed to open an "Active Account" before October 31, 2019, there were no changes in the conditions for calculating interest and the size of the rate (7% per annum is charged on the daily balance of up to 100,000 rubles).
UPD: 10.11.2018
10 Free insurance.
At Raiffeisenbank you can get free travel insurance by connecting the Gold package.
This package is free if the monthly turnover of spending on all customer cards is from 30,000 rubles, or if the average monthly balance in the bank is maintained from 300,000 rubles. If the conditions are not met, the "Gold" package costs 500 rubles / month. The card "ALL AT ONCE" itself is not included in the "Golden" package, but purchases made with it are counted towards fulfilling the conditions of the free package.
The insurance policy is provided by AlfaStrakhovanie / assistance from AP Companies.
The insurance covers the owner of the package, spouse and children when traveling together. The total sum insured is EUR 50,000. The insurance certificate begins to be valid at a distance of 200 km from the permanent place of residence. The territory of validity of the insurance certificate is the whole world, including the territory of the Russian Federation.
UPD: 09/16/2019
11 Additional promotions.
Visa promises 500 rubles. for three purchases using the Google Pay service (more precisely, it returns 100% of the amount of the first three purchases, but not more than 500 rubles).
To participate in the promotion you need:
1. Add Visa card to Google Pay;
2. Register on the page rtm.visa.com/Registration/GPaywithVisa(you need to indicate the card number, name and surname, as well as a phone number);
3. Make three purchases with a smartphone card in the period from September 2 to October 13, 2019;
4. Profit! The bonus will be credited until November 1.
Only one member's Visa card is allowed to participate in the promotion. Cards of the following categories do not participate in the Promotion: Visa Prepaid, Visa Business, Visa Business Platinum. The total prize fund of the action is 38,009,500 rubles, so it may not be enough for everyone. There is also a list of exceptions that do not count as purchases.
GET EVERYTHING IMMEDIATELY WITH FREE SERVICEMap ALL AT ONCE. Flaws
1 Risk of cancellation of the loyalty program.
The risks of canceling the loyalty program, or changing it for the worse, or canceling the client's points due to suspicions of fraudulent transactions have already been discussed above, but I decided to duplicate this information, since this is the main drawback of the "ALL AT ONCE" card.
2 There is no interest on the balance.
The debit card "ALL AT ONCE" has no interest on the balance. The only thing is that "Rife" has the opportunity to open a savings account "For every day". For salaries, the interest rate on it is 6%, for the remaining 5%:
UPD: 07/04/2019
As of 03.07.2019 for salary clients on a savings account for a balance of up to 100,000 rubles. there is a 5.5% per annum rate, for all others - 4.5%:
3 Unable to set limits.
In Rife, you cannot set limits on certain operations, for example, prohibit purchases on the Internet or withdraw cash from an ATM, set a maximum spending threshold for a day, a month, etc.
UPD: 05/02/2017
Setting card limits has become available in Internet Banking. You can set a limit on cash withdrawals and card-to-card transfers; a ban on online transactions is also available:
To avoid unnecessary blocking, you can notify the bank via IB about your upcoming foreign trips:
4 Paid SMS-informing.
The commission for the SMS-informing service for credit and debit cards is 60 rubles for the main one and 45 rubles for additional payments. The first 2 months are free of charge for the service:
5 Commission for payment abroad.
In addition to the unfavorable exchange rate, Raiffeisenbank also has an additional commission of 1.65% for transactions abroad in a currency other than the account currency (rubles):
6 Use of the "anti-money laundering" law (115-FZ).
GET A CREDIT EVERYTHING IMMEDIATELYDo not forget that now "Rife" is distributing "ALL AT ONCE" debit cards to everyone with free service for the entire validity period of the card, if you leave a request before 12/22/19.
GET EVERYTHING IMMEDIATELY WITH FREE SERVICEUPD: 02/10/2018
So I collected the necessary 20,000 points to exchange them for 50,000 rubles for purchases with the card “EVERYTHING AT ONCE” from Raiffeisenbank. Cashback was successfully credited to your credit card account. I have only pleasant emotions from the bank:
Part of the cashback was used to pay off the debt on a credit card, part of it increased its own funds on a credit card (22,080.3 rubles). In order to withdraw these funds from a credit card without a commission, you can call the hotline and ask to transfer them to your own account in Rife (if you make a transfer yourself via IB / MB or simply withdraw from an ATM, there will be a commission):
Withdrawals from the current account at the cash desk at Raiffeisenbank are also carried out with a commission, so you need to withdraw money using a Rife debit card, which can be obtained free of charge if you become an individual salary client. I transferred via intrabank to a relative who has a debit card and successfully cashed my cashback:
I hope my article was useful to you, write about all the clarifications and additions in the comments.
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Raiffeisenbank customers can return part of the spent funds to the card in the form of cash or bonuses, which can be used to pay for certain services or goods. The most popular among the cards went to the “All at once” credit card and the one available in the Gold package.
The main advantage of the "All at once" credit card is the percentage of money returned from its use. Indeed, a Raiffeisen bank card with a 5% cashback for all purchases is the most worthy and advantageous offer in the entire financial services market.
Anyone who wishes can become a happy owner of the card. The annual service will amount to only 1,490 rubles. for a debit card and 1990 rubles. for a credit card. The card is produced in the Visa payment system. It is also possible to order an individual card design, but when ordering this service, the cost of the card will increase by 500 or 990 rubles. Mobile banking and internet banking services are provided free of charge.
Raiffeisen bank card with cashback (debit card) has the following conditions:
- The maximum withdrawal amount is 200,000 rubles. per day or 1,000,000 rubles. per month.
- The tariff for money transfers to cards of other banking institutions is 1.5% of the total amount of funds transferred (minimum - 50 rubles).
- You can cash out at ATMs of other financial institutions, but you will have to pay 1% (at least 100 rubles).
- The cost of using an SMS bank for a cardholder is 60 rubles / month.
For owners of a credit card with cashback, the following conditions apply:
- Loan interest ranges from 29% to 39%.
- Possibility to connect an interest-free period of up to 20 days.
- Through ATMs of Raiffeisen Bank the amount for cash withdrawals and transfers of funds to other credit institutions - 3% + 300 rubles. from the sum. Commission for withdrawing money from ATMs of other banks - 3.9% + 390 rubles. from the sum.
- The cost of the SMS banking service is exactly the same as when using a debit card.
Stores partners working with Raiffeisenbank
In fact, using a card means using the unique capabilities of the bank. Paying for purchases, you can get 1 point for spent 50 rubles. on a credit card, and 1 point for 100 rubles. to a debit card.
The terms of use provide that the client has the right to exchange the accumulated bonuses for:
- Cash coverage calculated personally in your personal account. The collected points are simply exchanged for funds.
- Certificates provided by the bank's partners. They can be used to pay for services such as a trip via Yandex.Taxi, purchase of goods on OZON.ru, or exchange them for miles at S7 Priority.
It turns out that the client has the right to choose himself how and on what services he should spend the accumulated points. This is one of the reasons why the All at once card is considered a unique product.
How to enable cashback in your personal account
There are two forms of credit cards with cashback: "All at once" and a card within the framework of the "Golden" project. If the client has a debit card to which a cashback needs to be connected, it must be reissued. Or you can apply for an “All at once” card, since points are awarded 50% faster when using it. An application for registration can be submitted by making a phone call to a bank branch or online through the official website.
After the approval of the application for a credit card, you need to come personally to the bank office, sign the necessary papers and pick up the card. If a debit card is reissued, you can order this service by phone and pick it up at the bank department.
Cashback is charged 5% on all purchases, whether it is the purchase of goods in supermarkets, or utility bills.
It is easy to manage cashback in your personal account, changing the accumulated bonuses for money and certificates.
To change the collected points, you need to enter your personal account - "Points Exchange", determine the desired reward by transferring it to the basket, click on the "Exchange Points" button.
Cashback Raiffeisenbank cannot be connected through a personal account, there is only the ability to manage accumulated points.
The main feature of the "All at once" card from Raiffeisenbank is the high percentage of return for purchases. 5% cashback is one of the best deals on the card services market. Imagine how much money can be saved (returned) within a year!
Of course, this all sounds tempting. And this is exactly what the bank uses, focusing on increased size Cash back - 5% FOR EVERYTHING.
But not everything is as smooth as it might seem at first glance. The card is cool, of course. But ... only for certain categories of owners.
In order to get the most out of the card from Raiffeisenbank, you must first know all the conditions (including hidden or implicit at first glance).
And only then decide whether you need this plastic or not.
So let's go ...
Main conditions
The "All at once" card is issued in 2 versions:
- credit;
- debit.
Their main parameters are identical. Therefore, first we will analyze the usual debit. And then we will go over the credit plasticity.
The bank lures potential cardholders with the following conditions:
- cash back - up to 5%;
- free year of service (hereinafter RUB 1,490 annually);
- double points for purchases in the first 365 days;
- SMS informing - 60 rubles per month (the first 2 months are free);
- free bonuses and promotions throughout the year;
- cash withdrawal from ATMs (relatives and partner banks) - no commissions.
How and who can get the card
The requirements for obtaining plastic are quite loyal.
Age from 18 years. Russian citizenship. Local registration is not required.
The order can be placed online, immediately on the official website of the bank.
As the bank promises, you only need a passport to get a debit card.
To approve a credit card, you additionally need to provide a certificate of income in the form of 2-NDFL, or a certificate in the form of a bank.
Alternative documents are allowed: documents for a car, scan of a passport with a mark on crossing the border for the last 12 months.
In practice, getting the card turned out to be not so easy. The author of the article left an online application on the bank's website. A week later, an SMS notification came from Rife that his personal card was ready.
After visiting a bank branch (and having lost about an hour in the queue), it turned out that my card was denied. To the question "why did you receive an SMS about readiness?" Marinka did not answer anything worthwhile.
But she offered to issue a paid credit card. Naturally, given this attitude of the bank towards potential customers already at the stage of the beginning of cooperation, he politely refused the offer.
Cashback conditions - 5% for everything?
The most “delicious” thing that the “All at once” card has is, of course, the bonus program. Or the loyalty program, as Raiffeisenbank calls it.
All accruals (cashback) are made in points. And the first time it is difficult to grasp - how much will one point cost in rubles?
In the first year of using the “All at once” debit card, the bank “pours” 1 point for 50 rubles. From the second year, only for 100 rubles.
To understand the value of points, you need to look at how they can be used.
In the classical sense, cashback is not returned. For purchases you get the notorious points, which can either be exchanged for a certificate (Ozone, Yandex taxi), or you can receive a monetary reward.
Naturally, we will consider the last option - money.
The exchange is possible with the accumulation of the minimum level of points. Moreover, the more points, the more favorable the exchange rate will be available.
Knowing how many points are awarded, you can calculate the real size of the cashback in the percentage we are used to.
If we take into account 1 point for every 50 rubles spent, it turns out:
- To receive a cash back of 250 rubles, you need to accumulate 500 points or spend 25 thousand. Real cashback will be 1%.
- A certificate for 600 rubles for 1000 points (the amount spent on the card is 50 thousand) corresponds to a cashback of 1.2%.
- The exchange of 4,000 rubles for 4,000 points is available for spending 200 thousand. This corresponds to 2% "porridge".
- Well, the most profitable and difficult to achieve exchange scheme is 50 thousand rubles for 20,000 points. Everything is simple here. You need to spend exactly a million!
As a result, this is what gives the coveted 5% cash back.
The accumulated points have a lifespan of 36 months.
It is quite possible to accumulate 20 thousand points in 3 years with an average spending of even 30-40 thousand monthly.
Or even in just a year - you need to spend 84 thousand a month. But…..
The bank does its best to ensure that the client does not receive the coveted 5% cashback.
Firstly, a limitation has been introduced on the maximum possible size of the monthly accrual of points - 1,500. Or purchases for 75 thousand rubles.
From January 1, 2018, the bank will change the conditions for the card. The maximum monthly limit is limited to 1,000 points (instead of 1,500). In other words, cashback is credited for purchases up to 50 thousand rubles. Anything on top is not rewarded.
Secondly, from the second year of using plastic, the bonus program deteriorates 2 times - 1 point is given for every 100 rubles. There are two ways out of this situation: either put up with it and get up to 2.5% cash back, or get a credit card (for 1490 per year), with a constant rate of 1 point for 50 rubles.
Earlier, at the start of the program, there was no monthly limit of 1,500 points. And many "advanced" clients took full advantage of this "hole". They paid for large purchases with a card (for example, a car) and in just a couple of months they received their reward of 50 thousand rubles. The bank quickly covered up this opportunity.
Promotions, goodies and other pluses
Presents
Gift 500 points from the bank on your birthday. If you convert at the rate of 5% cashback, we get the cash equivalent of 1250 rubles. Almost the cost of a year's maintenance. When exchanging for a certificate 4,000 rubles for 4 thousand points - we have 500 rubles. One way or another, gifts are always a pleasure to receive.
From 2018, they will give 300 points for their birthday and 200 for the New Year. Also, all new customers have a welcome bonus of 300 points.
100% refund
Cashback on the "All at once" card is really credited for almost all transactions. Everything is fair here. Considering that most banks introduce a rather huge list of exclusion categories, Rife looks white and fluffy against this background.
Of course, there are some exceptions. But for an ordinary average user, it is practically invisible.
Major MCC Code Exceptions: cash withdrawals, repayment of loans, money transfers, operations related to lotteries, casinos and replenishment of electronic wallets.
For the main, most expensive items of expenditure (food and shopping in supermarkets, payments for housing and communal services, cellular communications and the Internet, even travel vouchers), you can safely receive cash back.
The bank constantly conducts various promotions for its and potential clients.
From recent suggestions:
- One year of free card service.
- 10% cashback for all purchases with a credit card (reward up to 1000 rubles for each month).
- Order a credit card and get a second one with free service for all time.
- New customers were given 300 points for their first purchases with the card.
And a lot of other things, cinema tickets, theater, certificates. Moreover, the fulfillment conditions are always quite loyal.
In this regard, the existing clients of the bank did not have any complaints.
Disadvantages and hidden conditions
Interesting information can be found in the tariffs.
The bank may block the card or already accrued points in the following cases:
- The client has not used the card for more than a year (meaning non-cash payment for goods and services). That is, storage, withdrawal and transfers of funds are not included in this category.
- In the event of a delay in the Bank's loan. The size itself is not indicated anywhere. It turns out that even with an unpaid debt of only 1 ruble, you can get a ban from the bank.
- Use of the card for business purposes. Again, there is no specifics anywhere. What does Rife mean by this concept? If you pay by card for a bag or five of flour (sugar, pasta) or buy a large box of stewed meat (condensed milk, canned food), this can easily be tied to a small wholesale and, accordingly, to pay for business operations)))
- The client abuses the rights to receive cashback for purchases. As always, there is no border. All client actions are taken at the discretion of the bank. In theory, any “All at once” cardholder, if he spends a lot of money, can be accused of abuse of use for profit.
- Providing false information about yourself. There is a risk of blocking in connection with the change of this data (changed passport, moved to another address, changed jobs) and did not inform the bank about it in time.
There is an opinion that Raiffeisen specifically reserves the opportunity to turn off the loyalty program and cancel points from anyone (points 3-5). Of course, you can fantasize about the reasons and possibilities of blocking. But I would like specifics from the bank. Immediately "agree on the shore" on the exact conditions and prohibitions for which the punishment is due.
By the way, in the network there are such "lucky ones" who fell into disgrace from the bank. In some cases, the reasons are just trivial. A person paid with a card for many transactions for the purchase of gasoline. Or he constantly bought household appliances for large sums. I decided to build a house and paid for building materials (and the pleasure is not cheap).
The bank did not like this and he “accused” his client of doing business and (or) abuse of using plastic in order to obtain additional benefits (cash back 5%).
Of course, these are isolated cases. But there are already precedents.
The client can appeal against the bank's decision. Either through negotiations, or by providing the necessary documents (which are not specified). Interestingly, after a positive decision to unblock, only previously accumulated points are returned. Everything that would be charged for purchases during the blocking period is not rewarded.
The Bank periodically changes the points accrual program. Mostly in the direction of deterioration. This entails great risks and uncertainties for clients.
Well, the biggest disadvantage that scares off potential customers is the delay in receiving cashback rewards.
You will have to accumulate points for several months (or even years). Competitors can get cashback, albeit not so big, every month. And most importantly, with a flat rate, regardless of the amount of spending. Even with modest monthly expenses, you can find a card with 1 - 1.5 - 2% for purchases.
There is no interest on the balance on the "All at once" card
Earning points
Need to know!
Points are awarded only for each full 50 (or 100 rubles, depending on the card) from the purchase. Rounding is always downward.
We get that everything below this amount is not taken into account when calculating the cashback. And with a rate of 1 point for 100 rubles, 299.99 rubles will only get 2 points for the operation.
Therefore, the real accrued amount will always be lower than the one declared by the bank. For example, if in a month the card made purchases worth 50 thousand rubles, then theoretically the bank should award 1,000 points (1 for every 50 rubles). In practice, we get a little less.
Here everything will depend on the nature of the spending and, most importantly, their size. When making a lot of small purchases, the losses will be more noticeable than with large and rare ones for the same amount.
Approximately, on this inconspicuous function, about 5-15% of the accrued remuneration can be lost.
For example, if you spend 990 rubles, ideally 19 points should be awarded (1 point for every full 50 rubles).
If you make 10 purchases for 99 rubles (total 990 rubles), we get 10 points.
5 operations for 198 rubles (the total amount is again 990 rubles) will bring the owner 15 points.
2 times for 495 rubles will enrich the owner by 18 points.
All at once credit card
The credit card is allowed to use the bank's money without interest for up to 52 days.
Within 30 (or 31) days, make purchases with the card. Then you are given 21 days to pay off the debt.
If everything is done correctly, no interest is charged on the loan. In case of delays, the interest rate begins to apply - from 29% per annum, until the debt is fully repaid.
Withdrawing cash (as well as making online transfers) is an expensive pleasure.
Cash withdrawal and transfers:
- at native ATMs - 3% + 300 rubles.
- at third-party ATMs - 3.9% + 390 rubles.
Naturally, there is no interest-free period for cash withdrawals. The fee starts to drip from the first day.
You won't be able to withdraw your own funds on the card "for free" either. The bank will still take its interest of 3 or 3.9%.
The annual fee for servicing the card is 1490 rubles, it is debited at a time on the next day after the completion of any first operation.
The main difference between a credit card and debit plastic is in the system of rewards for purchases. The credit card gives a permanent 1 point for every 50 rubles spent for the entire period.
Considering that on a debit card from the second year the conditions for the accrual of points worsen by 2 times and plastic becomes paid, it makes sense to issue a credit card. And close the debit card itself.
All previously accumulated points on a debit card will also be available on a new credit card.
Otherwise, we have absolutely identical conditions.
Many advanced owners using credit card capabilities can not only easily recoup the cost of annual maintenance, but also earn some money.
Own funds are deposited with the bank at interest. And purchases are made with credit money. By the time it is necessary to pay off the debt on a credit card, the money is withdrawn from the deposit and transferred to the Rife card.
As a result, the debt was repaid on time, there is no need to pay interest on it. And from the bank we have a small profit in the form of interest on the deposit.
In the context of online payments, all these operations can be performed without leaving their home. Moreover, the Raiffeisenbank card allows you to withdraw money from the cards of other credit organizations for free.
In conclusion and conclusions on the map
The most important feature of the card All at once is 5% cashback. But the plastic would most likely be called “Not all and not all at once” or “Not all at once”.
By the way, many christened her that way.
What we have?
Fair calculation of remuneration for almost all operations. Free first year of service. Some buns from the bank in the form of distribution of bonuses.
But plastic has much more disadvantages.
This is an almost unreal opportunity for the majority to get the coveted 5%. You need to spend 50 thousand rubles within 20 months. Along the way, starting from the second year, issuing a credit card in order to keep a favorable percentage of remuneration. To keep within 3 years (the lifetime of the points), you will need to spend 28 thousand rubles a month.
From the second year, using a debit card is impractical. And a credit card carries certain risks for the owner. With an illiterate use of the card, you can easily get into the interest on the loan and the plastic will really become "gold" for you.
Also, the bank "sins" by constantly changing conditions. This uncertainty, and what "will happen tomorrow?" scares.
Of course, there is also 2 percent cashback. But to get your hands on "real" money, you need to make transactions for 200 thousand rubles.
You can certainly cheat a little. And to pay with a card not only for their purchases, but also for relatives and friends. Taking cash from them, in exchange for receiving points on the card. Purchase of expensive household appliances or an ordinary communal apartment. Using this scheme, you can easily recruit the required 50,000 rubles per month.
Alternative offers from other banks
In the banking services market, cashback for purchases has long been the norm of 1%. Without any additional conditions. If you look a little better, you may come across slightly better deals. With very simple requirements.
- free, cashback to choose from: 1-2% for everything or 4-10% for special categories at your discretion (you can change it yourself) - Auto, restaurants, travel, entertainment. Cash back will be credited to the account next month.
- paid card. It costs 300-500 rubles a year. Cash back 5% for food and shopping in supermarkets. And 1% on everything else. There is a percentage on the balance. Payments next month in real money. In just a month, you can easily "beat off" the cost of the annual service.
- free. Gives an increased 3% "porridge" for your chosen category (your choice, there are more than 10 of them), including food, cars, restaurants, health and others. The rest of the purchases - the standard 1% goes. There is a percentage on the balance of the card. Moreover, the charge is daily. It does not depend on the amount and there are no restrictions on the deposit-withdrawal of funds. When ordering a card - the bank gives 500 rubles after the first purchase.
Tinkoff black is free. Cashback - 1% for everything. Choice of 3 favorite categories with an increased return of -5% AND up to 30% for bonus special categories set by the bank.
Are you ready to wait 3 years to earn 5% cashback (not all at once)? Or they would be content with a "tit in hand", receiving a small 1-2%, but monthly.
Hello friends! This time we'll discuss ... guess what? Favorite cashback! Today - from Raiffeisen Bank. There are a lot of banks, a lot of proposals, we will slowly deal with all this.
So, Raiffeisen Bank.
Bank header logo
His most popular offer, which is advertised all over the place, is the card # all at once. It can be debit and credit. They have the same essence, but the conditions are slightly different.
Card from Raiffesen
Attention, the essence of the # card immediately from Raiffeisenbank is that all non-cash transactions are refunded in the form of points. Then they can be exchanged for money or for offers from partners.
There are very few partners, your eyes will definitely not scatter:
- Yandex.Taxi... For example, you can exchange 200 points for a Yandex.Taxi certificate for 100 rubles.
- S7... 3000 points will change to 4000 miles.
- ... For 600 points, you can choose something for 300 rubles.
The essence of bonuses and money back
Moreover, also within certain limits. What if my generous soul wants to help more? Or am I a curmudgeon and want to help just a little?
Of course, the more points you have accumulated, the more profitable the exchange will be. For example, for 600 - you will already receive a five-hat ride on Ya. Taxi. The most obvious variation in the rate of points to the ruble is in Ozone certificates.
The cheapest certificate for 300 rubles costs 600 points, and the most expensive, 6000 rubles, costs 4000 points. That is, first the rate of the point to the ruble is 2: 1, then 1: 1.5. It feels like they are hoping that if only someone buys it.
Now let's move on to the most interesting topic - babosiki.
For the first year, the conditions for awarding points are the same: 1 point for every 50 rubles, then this scheme remains on a credit card, but now on a debit card, each point is paid only for every 100 rubles. Then again, these points are exchanged for real money, the choice is this:
- 500 b. - 250 rubles;
- 1000 b. - 600 rubles;
- 4000 b. - 4000 rubles;
- 20,000 b. - 50,000 rubles.
So it's time for fun math!
Let's say we have a card with cashback from Raiffeisenbank “all at once” for the first year and we spend 20 trillion rubles a month. If we get a point for every fifty dollars, then we will have 400 points in a month. We will not be able to exchange them for rubles.
This means that we spend more - 25 tr., Then we get 500 points, which we change to 250 rubles. and we get a net 1% cashback. This is a common offer on the market, but categories with higher cashback are usually added to this.
There is no such thing here.
Of course, we can not transfer the points received by cashback to Raiffeisen every month, but save and change at a more favorable rate.
But why bother so much if this is not required in the cards of other banks.
Let's calculate how much you need to spend to get a cashback of 50 tr. This only requires 20,000 points. Well, like everything. This is a lot.
Through simple calculations, we find out that to get a cashback of 50 tr. you need to lower a whole lam. This is where you get 5% cashback. Basically, this is a good suggestion if you are going to spend a lot: buy a car, get a refurbishment, or your madam wants a magnificent wedding.
There is a limitation, though.
No more than 1000 points are awarded per month, so either you will have a very long and expensive repair, or the card is not particularly profitable.
But Raiffeisen with his cashback prepared not only reasons to be sad. There are also bonus points. The bank, apparently, loves jokes about the tractor driver, so it gives new customers and everyone on their birthday 300 points each. And also 200 for the new year. If you translate this into rubles, then a hundred will be thrown to you.
In general, everything is clear about this map. If large purchases are planned for months, then you can start.
Raiffeisen does not issue more credit cards with cashback, so all the following cards will be debit cards.
What is the article about?
Children's card
If you have a child between 14 and 17 (inclusive), then you are great. And aside from jokes, if you want to make him feel like an adult - issue this card, and also explain about cashback.
Let a financially literate child grow up.
Children's card
By the way, the cashback on the card is pleasant - by all 5%, without any restrictions and categories. Honest 5% on absolutely all purchases. But the maximum return is only 200 rubles a month, so don't give your child more than 4000 rubles for pocket money. Raiffeisen calls a special telephone line that is comfortable for children as a bonus of this card.
BUY & FLY
The name, at least, attracted me.
Here she is
They promise free travel insurance for the whole family.
And if I am a lone wolf ...?
They have a very tricky mileage accrual system.
Yes, there are miles, this is a traveler's card.
The ruble to mile rate is 1: 1.
In your personal account, you can spend them on hotels, train tickets, plane tickets, Aeroexpress trains, or for a transfer in a business tachile. Just what a lone wolf needs. So, a mile is credited for every 50 rubles, the accrual system itself is as follows:
It seems to be easy, but more and more complicated. To understand, let's take the example of spending 235 435 rubles.
Since the amount we have is more than 200 tr, but the first two categories are filled with us, it means that they are fully covered by miles.
It turns out that if you spent 235 435 rubles, then the formula for calculating miles is as follows:
(70000*1+130000*1,5+35435*2+0*1)/50.
That is, having spent this huge amount, we'll get 6717 miles ... This turns out to be 2.8% cashback. All in all, okay.
True, it is not clear why such a complex settlement system. Probably, in order not to lose money by paying cashback.
Visa Classic Travel
Another traveler's card. Here the conditions are as simple as possible: 1 mile for every 40 rubles always.
Traveler card
No complicated formulas for calculations and other husks. Briefly and clearly.
You won't get free insurance here, but you can use the mobile internet bank and the app for free. Not bad, too. And like the cherry on the birthday cake, get 1000 gift miles for your birthday.
MasterCard Gold Package
Luxury class card... When spending more than 30 tr: free service, free travel insurance for the family and 5% cashback for a certain category. This category is assigned by the bank itself, and since April 1, 2016 it has been a gas station.
Apparently, there is not enough imagination for more. And more than 3 tr. no one will return you a month. Somehow they became frequent with these restrictions.
Schedule Restaurants
The last on the list, but not least, for me, for sure. Anyway, who will put food in last place? This offer is available for Moscow, St. Petersburg and Sochi. Each city has its own list of restaurants worth visiting.
Or who were given to the paw. With this card, you can get a 10% discount if you notify the waiter in advance, and then pay with this card.
It's easier abroad, you don't need to warn anyone. 10% will simply be returned in cashback to the account. But no more than 2500 rubles. And again the restrictions. And if I really, really like to eat?
In general, the cards have been sorted out, there are no more secrets.
The most popular from Raiffeisen is the # all at once card.
This is understandable, it gives cashback for everything, the percentage is average for the market. Therefore, it is up to you to decide whether to be content with the average or look for something better.
And now my favorite sketch for the smartest. How to get double cashback on purchases on the Internet. If you buy on the Internet using a card with cashback and are pretending to be smart and economical, take off your rose-colored glasses. You need to buy using a card and online services for returning cashback.