Cashback is raiffeisen all at once. Cashback cards
The well-known bank Raiffeisenbank has offered its existing clients and those who are just deciding to become clients of this financial institution a new credit card with cashback VISA Gold.
The system implies the possibility of accumulating bonuses by performing various card transactions at retail outlets. Moreover, points will be accumulated regardless of which retail outlets the card is used for payment.
For every 50 rubles that were paid by card, the user is credited 1 point. Subsequently, these points can be exchanged for flight miles from S7 Airlines. In addition, you can use them for travel through Yandex.Taxi, exchange them for certificates in an online store that is an official partner of the bank, or donate them to charity.
Naturally, all the points that you manage to accumulate can be very easily exchanged for money again, in the amount of 5% of the total amount of points. Among other things, the user can decide whether to convert all points into one type of reward or into several.
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Conditions for receiving cashbacks and converting them into money
Before you start exchanging your accumulated points for one of the types of rewards, you need to know the following conditions:
- Converting points into real money: 20 thousand accumulated points can be equated to 0.7% cashback or 100 rubles, 4 thousand points are equal to 2% cashback or 4 thousand rubles, 20 thousand accumulated points are equal to 5% cashback or 50 thousand rubles.
- When exchanging received bonuses for miles S7, the conversion conditions are as follows: 2,500 bonuses equal 1 thousand miles, 15 thousand bonuses equal 10 thousand miles, 18 thousand bonuses equal 20 thousand miles.
- When exchanging bonuses for certificates from Yandex.Taxi, conversion occurs according to the following principles: 200 bonuses - a 100-ruble certificate, 400 points - a certificate for 300 rubles, and 500 points - a certificate for 500 rubles.
- To exchange bonuses for certificates from the Ozon.ru store, you must count on the following conditions: 600 bonuses can be exchanged for a certificate giving 300 rubles, 1500 points can be exchanged for a certificate giving 1 thousand rubles, 4 thousand points for a certificate giving 6 thousand rubles.
All points have an expiration date, and if the cardholder does not have time to exchange or spend bonus points within 36 months, then they are canceled.
Maximum amount according to the credit limit of the card is – 600,000 rubles. For non-cash transactions on a bank account, an annual interest rate of 31-34% . If transactions occur as transfers between cards or when withdrawing cash from an ATM or cash register, then the interest rate will be 39% per annum.
Annual card maintenance costs 1,490 rubles. If the client decides to order a card with a unique design, then the price of the card will be 1990 rubles. Each client is provided with a preferential loan service of 50 days. If you repay the borrowed funds during this period, then no interest will be charged. This period applies exclusively to non-cash card transactions when paying for services and goods.
When withdrawing money from bank tellers/ATMs or ATMs of partner banks, you will be charged commission 3.3% and additional 300 rubles. When withdrawing funds from ATMs or cash desks of other financial institutions, the commission will be 3.9% and 390 rubles.
The bank provides the opportunity to connect to the sms-info service, the monthly price of which is 60 rubles. However, for the first 2 months, the fee will not be charged, and later it can be disabled.
Thanks to the fact that analysts "Raiffeisenbank" have done a great job of identifying the most frequent card purchases. It was determined that the majority of customers make transactions to purchase goods in online stores, buy air tickets and pay for taxis. Therefore, partners were selected specifically for these categories in order to reduce costs in the most common areas.
This card is very popular not only among existing bank clients, but also among those who are just planning to join them.
The main feature of the “Everything at once” card from Raiffeisenbank is the high percentage of returns on purchases. Cashback of 5% is one of the best offers on the card services market. Imagine how much money you can save (return) within a year!
Of course, this all sounds tempting. And this is exactly what the bank uses, placing the main emphasis on the increased size Cash back - 5% FOR EVERYTHING.
But not everything is as smooth as it might seem at first glance. Cool map, for sure. But...only for certain categories of owners.
In order to get the most out of a card from Raiffeisenbank, you need to first find out all the conditions (including hidden ones or those that are not obvious 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 available in 2 versions:
- credit;
- debit.
Their basic parameters are identical. Therefore, first we will analyze the usual debit. And then we’ll go through credit plastic.
The bank lures potential cardholders with the following conditions:
- cash back - up to 5%;
- free year of service (further 1,490 rubles annually);
- double points for purchases in the first 365 days;
- SMS notification - 60 rubles per month (the first 2 months are free);
- free bonuses and promotions throughout the year;
- Cash withdrawals from ATMs (family and partner banks) - no commissions.
How and who can get a card
The requirements for obtaining plastic are quite flexible.
Age from 18 years. Citizenship of the Russian Federation. Local registration is not required.
The order can be placed online, directly on the bank’s official website.
As the bank promises, to receive a debit card you only need a passport.
To approve a credit card, you additionally need to provide a certificate of income in form 2-NDFL, or a certificate in the form of the bank.
Alternative documents are allowed: documents for a car, a scan of a foreign passport with a mark of border crossing for the last 12 months.
In practice, getting a 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 I received an SMS notification from Rife that the personalized card was ready.
Having visited a bank branch (and having lost about an hour in line), it turned out that my card was denied. To the question “why did you receive an SMS about readiness?” Marinka didn’t answer anything worthwhile.
But she offered to get a paid credit card. Naturally, given the bank’s attitude towards potential clients already at the stage of starting cooperation, I 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 a loyalty program, as Raiffeisenbank calls it.
All accruals (cashback) are made in points. And it’s hard to figure out the first time - 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, there is no cashback. For purchases you receive the notorious points, which can either be exchanged for a certificate (Ozone, Yandex taxi), or receive a cash reward.
Naturally, we will consider the last option - money.
Exchange is possible upon accumulation of a minimum level of points. Moreover, the more points, the more favorable exchange rate will be available.
Knowing how many points are awarded, you can calculate the actual amount of cashback in the usual percentages.
If we take into account 1 point for every 50 rubles spent, it turns out:
- To receive cash back 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%.
- 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 you the coveted 5% cash back.
The lifespan of accumulated points is 36 months.
Accumulating 20 thousand points in 3 years with average spending of even 30-40 thousand monthly is quite possible.
Or even in just a year - you need to spend 84 thousand monthly. But…..
The bank is trying in every possible way to ensure that the client does not receive the coveted 5% cashback.
Firstly, a restriction has been introduced on the maximum possible amount of monthly points accrual - 1,500. Or purchases worth 75 thousand rubles.
From January 1, 2018, the bank changes the conditions for the card. The maximum monthly limit is limited to 1,000 points (instead of 1,500). In other words, cashback is awarded for purchases up to 50 thousand rubles. Anything above is not rewarded.
Secondly, from the second year of using plastic, the bonus program worsens by 2 times - 1 point is given for every 100 rubles. There are two ways out of this situation: either accept it and receive up to 2.5% cash back, or get a credit card (for 1,490 per year), with a constant rate of 1 point per 50 rubles.
Previously, 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”. We paid for large purchases with the card (for example, cars) and literally received our reward of 50 thousand rubles in just a couple of months. The bank quickly closed this opportunity.
Promotions, goodies and other benefits
Present
Gift 500 points from the bank on your birthday. If we convert at the rate of 5% cashback, we get the cash equivalent of 1250 rubles. Almost the cost of annual maintenance. When exchanging for a certificate of 4,000 rubles for 4 thousand points, we have 500 rubles. One way or another, it’s always nice to receive gifts.
Starting from 2018, they will give 300 points for a birthday and 200 for the New Year. Also, all new clients receive a welcome bonus of 300 points.
100% refund
Cashback on the “All at once” card is indeed awarded for almost all transactions. Everything is fair here. Considering that most banks introduce a fairly huge list of exclusion categories, Rife looks white and fluffy against this background.
Of course, there are still some exceptions. But for the average average user, it is practically invisible.
Major MCC-code exceptions: cash withdrawals, loan repayments, money transfers, operations related to lotteries, casinos and replenishment of electronic wallets.
For the main, most expensive items of expenditure (food and purchases in supermarkets, payments for housing and communal services, cellular communications and the Internet, even travel packages), you can safely receive cash back.
The bank constantly holds various promotions for its and potential clients.
From the latest proposals:
- One year of free card service.
- 10% cashback for all credit card purchases (reward up to 1000 rubles per month).
- Order a credit card and get a second one with free service for the entire time.
- New customers were given 300 points for their first purchases with the card.
And much more, cinema tickets, theater tickets, certificates. Moreover, the conditions for fulfillment are always quite loyal.
In this regard, there were no complaints from the bank's current clients.
Disadvantages and hidden conditions
You can find interesting information 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 (this means 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 arrears on 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.
- Using the card for business purposes. Again, there are 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 stew (condensed milk, canned food) - this can easily be linked to small wholesale and, accordingly, to payment for business transactions)))
- The client abuses the rights to receive cashback for purchases. As always, there are no boundaries. All actions of clients are taken at the discretion of the bank. Theoretically, any owner of an All At Once card who spends a lot of money could be accused of abuse of use for profit.
- Providing false information about yourself. There is a risk of blocking due to a change in this data (changed passport, moved to another address, changed job) and did not inform the bank about it in time.
One gets the impression that Raiffeisen specifically reserves the opportunity to disable 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 punishment is imposed.
By the way, there are such “lucky ones” online who fell into disgrace with the bank. In some cases, the reasons are simply trivial. A person used a card to pay for many transactions for the purchase of gasoline. Or I constantly bought household appliances for large sums. I decided to build a house and paid for building materials (and this is not a cheap pleasure).
The bank did not like this and he “accused” his client of running a business and (or) abusing the use of 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 the bank's decision. Either through negotiations, or by providing the necessary documents (which ones are not specified). Interestingly, after a positive decision to remove the blocking, only previously accumulated points are returned. Anything that would have been due for purchases during the blocking period will not be rewarded.
The bank periodically changes the points program. Mostly for the worse. This entails great risks and uncertainty for clients.
Well, the biggest disadvantage that scares away potential clients is the delay in receiving rewards in the form of cashback.
You will have to save up points for several months (or even years). With competitors, cashback, although not so large, can be received 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% on purchases.
There is no interest on the balance on the “All at once” card
Accrual of points
Need to know!
Points are awarded only for every full 50 (or 100 rubles depending on the card) of the purchase. Rounding always occurs downward.
We get that everything below this amount is not taken into account when calculating cashback. And at a rate of 1 point per 100 rubles, the transaction costs 299.99 rubles, and only 2 points will drop.
Therefore, the actual accrued amount will always be lower than stated by the bank. For example, if 50 thousand rubles worth of purchases were made on the card in a month, 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 expenses and, most importantly, their size. When making many small purchases, the losses will be more noticeable than when making large and rare ones for the same amount.
Approximately, on this invisible function, about 5-15% of the accrued reward 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), you will receive 10 points.
5 transactions of 198 rubles (the total amount is again 990 rubles) will bring the owner 15 points.
2 times 495 rubles each will enrich the owner by 18 points.
Credit card "All at once"
The credit card allows you to use bank money without interest for up to 52 days.
Make purchases using the card within 30 (or 31) days. You are then given 21 days to pay off the debt.
If everything is done correctly, no interest will be charged on the loan. In case of delays, the interest rate begins to apply - from 29% per annum until full repayment of the debt.
Withdrawing cash (as well as making online transfers) is an expensive proposition.
Cash withdrawal and transfers:
- at local 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 accrue from the first day.
It is also not possible to withdraw your own funds on the card “for free”. The bank will still take its percentage of 3 or 3.9%.
The annual card maintenance fee is 1,490 rubles, written off at a time the next day after any first transaction.
The main difference between a credit card and a debit card is the system of rewards for purchases. The credit card gives you a constant 1 point for every 50 rubles spent for the entire term.
Considering that from the second year on a debit card, the conditions for accruing points worsen by 2 times and plastic becomes paid, it makes sense to get a credit card. And close the debit card itself.
All previously accumulated points on a debit card will be available on the new credit card.
Otherwise, we have absolutely identical conditions.
Many advanced owners, using the capabilities of a credit card, can not only easily recoup the cost of annual service, but also earn a little money.
Own funds are placed on a bank deposit at interest. And purchases are made with credit money. By the time it is necessary to repay the credit card debt, the money is withdrawn from the deposit and transferred to the Rife card.
As a result, the debt is repaid on time and there is no need to pay interest on it. And we have a small profit from the bank in the form of interest on the deposit.
With online payments, all these operations can be performed without leaving your home. Moreover, the Raiffeisenbank card allows you to withdraw money from cards of other credit institutions for free.
In conclusion and conclusions about the map
The most important feature of the All at once card is 5% cashback. But plastic would most likely be given a different name: “Not all and not at once” or “Not all at once.”
By the way, many people dubbed it that way.
What we have?
Honest remuneration for almost all transactions. Free first year of service. Some goodies from the bank in the form of bonuses.
But plastic has many more disadvantages.
This is an almost unrealistic opportunity for the majority to get the coveted 5%. You need to spend 50 thousand rubles within 20 months. At the same time, starting from the second year, I was applying for a credit card in order to maintain a favorable interest rate. To meet the 3-year period (lifespan of points), you will need to spend 28 thousand rubles monthly.
From the second year onwards, using a debit card is not advisable. A credit card carries certain risks for the owner. If you use the card incorrectly, you can easily end up paying interest on the loan and the plastic card will truly become “golden” for you.
Also, the bank “sins” by constantly changing conditions. This uncertainty, what “will happen tomorrow?” scary.
Of course, there is also a 2 percent cashback. But in order to get real money in your hands, you need to make transactions worth 200 thousand rubles.
Of course, you can cheat a little. And pay with the card not only for your purchases, but also for relatives and friends. By taking cash from them, in return receiving points on your card. Buying expensive household appliances or ordinary utilities. Using this scheme, you can easily earn the required 50,000 rubles per month.
Alternative offers from other banks
In the banking services market in the field of providing cashback for purchases, 1% has long been the norm. Without any additional conditions. If you look harder, you may find 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 your account next month.
- paid card. Costs 300-500 rubles per year. Cash back 5% for food and purchases in supermarkets. And 1% for everything else. There is interest on the balance. Payments next month in real money. In just a month you can easily recoup the cost of an annual service.
- free. Gives an increased 3% “porridge” for the category you choose (there are more than 10 of them to choose from), including food, cars, restaurants, health and others. For other purchases - the standard 1%. There is interest on the card balance. Moreover, the accrual is daily. Does not depend on the amount and there are no restrictions on deposits and withdrawals of funds. When ordering a card - the bank gives 500 rubles after the first purchase.
Tinkoff black is free. Cashback - 1% on everything. Selection of 3 favorite categories with an increased return of -5% And up to 30% on bonus special categories established by the bank.
Are you ready to wait 3 years to earn 5% cashback (not all at once)? Or they would be content with the “bird in the hand”, receiving a small 1-2%, but monthly.
Raiffeisen offers its customers an interesting loyalty program. Bank clients, paying with VISA debit or credit cards, accumulate points that can be spent by purchasing goods and services from promotion partners, or exchange bonuses for cash at the bank itself, i.e. get cashback on your purchases. Let's take a closer look at the conditions of participation and the program itself.
The program offers two options for Visa Gold cards:
- Debit.
- Credit.
Their design can be standard or customized. To order an individual design, you need to send your own picture to the bank's email, and after the image is approved, a unique plastic card will be issued.
Each card has its own conditions for accumulating bonuses and different service rates.
How to accumulate points?
Bonuses are awarded for any purchases when paying with cards, subject to the restrictions that are discussed below. Program partners can offer an increased number of bonuses for purchases in their own stores.
The standard number of points awarded for a purchase depends on the type of card. If it is a credit card, then for every 100 rubles of the cost of a product or service, 2 points are credited to the bonus account; paying with a debit card will bring 1 point per 100 rubles, i.e. twice smaller.
Raiffeisenbank made an exception for new clients, i.e. those who, before registering in the Everything program, did not open a single account with the bank itself, such participants are awarded 2 points per 100 rubles of purchase with a debit card during the first year of participation in the loyalty program.
It is important to know that if points are not used, they expire after 36 months from the date they were credited to the bonus account.
Restrictions on savings
The “All at once” loyalty program provides restrictions on the accumulation of bonuses:
- In one month you can get no more than 1000 points in one trade and service enterprise (or retail chain). Those. When paying with a credit card, the participant receives bonuses on purchases up to 200 thousand rubles in one organization, and with a debit card - up to 100 thousand rubles.
- A participant in the “All at once” program can be awarded no more than 40 thousand points in one calendar year. Those. If you pay with a credit card, the purchase amount would be 4 million rubles, and with a debit card – 8 million rubles.
What to spend bonuses on?
There are not as many bank partners as, for example, when compared with the program. Cashback is a nice plus here.
At the beginning of 2017, the partners of the “All at once” program are:
- Yandex Taxi;
- largest online store Ozone;
- S7 Airlines;
- charitable foundation.
Cashback
The bank offers three types of rewards to convert points into cash:
- 500 points per 100 rubles;
- 4000 - 4 thousand rubles;
- 20000 - 50 thousand rubles.
The maximum cashback percentage is achieved when purchasing with a credit card or debit card for a new client and when exchanging 20 thousand points for 50 thousand rubles, which is 5%. Moreover, to accumulate 20 thousand bonuses, you need to make purchases with these bank cards in the amount of 1 million rubles, do it within three years so that the bonuses do not burn out and take into account the restrictions on the maximum accrual at one outlet per month and the total amount accrued for the year.
When paying with a debit card and accumulating bonuses at the rate of 1 point per 100 rubles, the maximum cashback will be correspondingly half as much, i.e. 2.5%. Under the terms of the program, for such an increased percentage, the participant will need to purchase goods and services worth at least 2 million rubles.
For many, such expenses are simply not achievable. And accumulating 4,000 bonuses in 3 years and exchanging them for 4 thousand rubles is a simpler task. Under these conditions, the percentage of refunds from purchases will be:
- 2% on credit cards and debit cards for new customers;
- 1% on debit.
How to spend bonuses?
You can spend accumulated bonuses using your personal account on the website of the “All At Once” program. In the “Points Exchange” tab you can see all the rewards offered. If there are enough points for the offer, the reward certificate will be highlighted and it will be possible to drag it to the cart, thereby ordering an exchange.
In the same way, points are converted into rubles, and funds are returned to the card account before the 15th of the next month.
Participants in the “Raiffeisenbank All at Once” program can use points to pay for taxi trips by first installing the Yandex Taxi mobile application and entering a promotional code in the program settings.
In order to use points to make purchases in the Ozone online store or buy S7 tickets, you must also be registered with these partners, receive and enter promotional codes through the partners’ personal accounts.
Advantages of a Raiffeisenbank credit card
Using a credit card, bonuses accumulate twice as fast. And if you skillfully control expenses, comply with the terms of the grace period on a credit card, and transfer all family expenses to non-cash payments, then points under the Everything At Once program from Raiffeisenbank will be a pleasant addition to everyday life.
How to get a credit card All At Once?
You can get a Raiffeisenbank credit card under the Everything program right away by calling the bank’s call center or filling out a form on the bank’s website.
To receive a credit card, you must meet certain conditions:
- At least 4 months of work experience at the last place of work;
- minimum age - 23 years;
- citizenship: Russian Federation.
When applying for a card, you must inform the bank employee that you need a credit card under the All At Once program.
Updated 11/02/2019.
In today's article we will take a closer look at the #ALLRIGHT card of Raiffeisenbank, with which you can get 5% cashback on all purchases.
The credit version of the “EVERYTHING AT ONCE” card appeared back in May 2016, so it is already possible to sum up some results based on six months of experience in using the card by the first clients. The debit card became available for registration in December 2016.
The loyalty program for these cards in the first year is practically the same. The article will consider credit and debit at the same time.
So, this is what the #ALL-IMMEDIATE card looks like on the bank’s website:
Map EVERYTHING AT ONCE. Advantages
1 Cost of production and maintenance.
The annual cost of servicing the “EVERYTHING AT ONCE” debit, which is referred to in the tariffs as Visa Cashback Debit, costs 1,490 rubles. (additive also costs 1,490 rubles):
A Visa Cashback credit card also costs 1,490 rubles. per year (additional 500 rubles), however, there is also a card option with an individual Visa Cashback Design for 1990 rubles. in year. To save time, you can apply for a credit card leave online, many cities offer free delivery of the card.
GET A CREDIT ALL AT ONCEThere is no need to sign up for any additional paid packages for “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 personalized.
Now, as part of the Raif promotion, they are distributing “EVERYTHING AT A TIME” debit cards to everyone with free service for the entire validity period of the card if you leave a request before 12/22/19.
2 Requirements for the holder to issue a card.
To receive a debit, there are no special requirements, but for a credit card you will need to confirm your income, and in Raif you can confirm your income not only with a 2NDFL certificate or on a bank form, but also with a foreign passport with a border crossing mark, or documents for a car in ownership and rights:
When you apply for a credit card, insurance is automatically included. Managers tell clients that if they refuse insurance, the card will most likely not be issued.
Insurance can be disabled after receiving the card, or you can cancel immediately:
As with any bank, there are reviews from clients who, despite providing all the certificates, having a good credit history, etc. the credit card is still refused. Depending on your luck, you have to try it.
3 Bonus program.
When paying for goods and services with a credit card “ALL AT ONCE”, 1 point is awarded for every 50 rubles; for debit payments, 1 point is awarded for 50 rubles only for new customers for the first 365 days from the date of opening the card. From the second year on, debiting is worth 1 point for every 100 rubles. Rounding is not in favor of the client, for example, for a purchase of 99 rubles on a credit card, 1 point is awarded. This rounding becomes less noticeable as the purchase price increases. You can monitor the number of accumulated points in your personal account of the bonus program.
We can conclude that issuing a debit card #ALL AT ONCE, being an existing client of Raif, is not very profitable. So if you need a debit, you must first close all your Raif accounts and come get the card as a new client. However, in this case, you won’t be able to catch up on the promotion with a free first year of service, since card accounts at Raifa are closed 45 days after submitting the application.
You can exchange points for partner certificates (S7 Airlines, Ozon, Yandex Taxi), or you can also exchange them for rubles. The most profitable certificate costs 20,000 points, and you will get 50,000 rubles for it. And it is the exchange of points for this certificate that will give us the desired 5% cashback on all purchases:
Using simple mathematical operations, you can calculate that cashback with 5% points can be converted into real money when you reach a spending threshold of at least 1 million rubles. (actually a little more, due to rounding of points not in favor of the client when calculating). Therefore, clients have already nicknamed this card “Raifa” “EVERYTHING NOT AT ONCE” or “NOT EVERYTHING AT ONCE”.
The amount of spending seems very large, but Rife pours porridge for almost everything, you can get 5% cashback for paying for mobile communications, housing and communal services, taxes and fines, except that porridge is not allowed for paying for insurance ( UPD: 05/12/2018: from May 24, 2018, Rife also pours porridge for insurance payments). Raiffeisenbank's list of exceptions is very short:
Points are valid for 36 months:
However, we remember that from the second year onwards, 1 point will be awarded for 100 rubles, and not for 50, i.e. cashback under 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 you sign up for a debit card, you need to be sure that you will reach the spending limit of 1 million rubles in 1 year, otherwise it will not be so profitable.
There is no general monthly limit for accruing points on the “ALL AT ONCE” card; there is only an annual maximum of 40,000 points, as well as a limit of 1,000 points/month for purchases in one merchant outlet (or in different stores of the same chain):
The restriction on accruing a maximum of 1,000 points for purchases in one merchant outlet (so many points will be given for a purchase of 50,000 rubles) makes the Raifa card not particularly useful when paying for large purchases. It is worth noting that this restriction was not present in the initial terms of the loyalty program. In general, the bonus program has already changed twice. First, a limit of 100,000 rubles was introduced. in one merchant, and a maximum of 5000 points for MCC 5533 (Auto Parts and Accessories):
A week later, the loyalty program was changed again, removing previous innovations and introducing a limit of 1000 points in one merchant per month:
Naturally, the possibility of the bank changing the loyalty program unilaterally is not at all encouraging, since during the period of time until it is possible to use 1 million rubles, the program may become completely unprofitable or completely evaporate.
Rife, of course, prescribed the right to change the loyalty program or cancel it in its terms of participation in the program:
The rules of the bonus program have some vague wording that may discourage you from receiving the “ALL AT ONCE” card. Raif may not pay cashback and may not exchange it for rubles if it considers that you are abusing your rights and deceiving the bank, or using the card for business activities:
Here is a review from a client whom Rife excommunicated from the loyalty program for suspicion of entrepreneurial activity (due to payment for advertising services). According to the client, all expenses were fair and there were no markups:
True, by “honest spending” the client meant paying for telephone, Internet, housing and communal services, Yandex Direct. And considering that the client applied for a certificate already in July, and the card began to be issued in mid-May, these honest expenses amounted to 1 million rubles in 2 months:
Here are reviews from clients who have already accumulated 20,000 points (i.e. made at least 1 million spends on the card) and received the coveted 5% cashback:
"Raif" promises to give 500 points for your birthday:
Considering that for 20,000 points you get 50,000 rubles, that means 500 points correspond to 1,250 rubles. Thus, this gift practically covers the cost of annual card service.
UPD: 06/18/2017
You can apply for an “EVERYTHING AT ONCE” card with 5% cashback on everything with the old points accrual limits (40,000 points per year and no more than 1,000 points in one merchant service per month) only until July 1, 2017. For new clients, from July 1, conditions noticeably worsen, The monthly limit for accruing points in all merchants will be limited to 1500 points, i.e. spend more than 75,000 rubles/month. using the “EVERYTHING AT ONCE” card will be meaningless. For old clients, the conditions will not change:
UPD: 11/17/2017
Many people do not apply for the “EVERYTHING AT A TIME” card from Raiffeisenbank due to the fact that making purchases worth 1 million rubles. to receive 5% cashback is a very high spending turnover. In addition, with the introduction of a limit on the maximum number of points per month (1500 points), registering a debit became completely unattractive, because increased points (1 point for every 50 rubles) are awarded to new customers only in the first year of card ownership.
However, Rife also 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, “Raif” gives money for almost everything (including for 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 worth 4000 rubles. This is equivalent to a 2% cashback when spending RUB 200,000.
● 600 points can be exchanged for a Yandex.Taxi certificate worth 500 rubles. This is equivalent to a cashback of 1.67% when spending RUB 30,000.
● 2000 points can be exchanged for a certificate worth 2000 rubles. on Ozone. This is equivalent to a 2% cashback when spending RUB 100,000.
● 4000 points can be exchanged for a certificate worth 6000 rubles. on Ozone. This is equivalent to a 3% cashback when spending RUB 200,000.
UPD: 12/20/2017
From 01/01/2018, Raiffeisenbank is significantly worsening its bonus program for the “EVERYTHING AT ONCE” card. 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 for at least 20 months.
For a birthday, “Raif” will now give only 300 points (from 500):
A small consolation will be 200 points for the New Year:
For cards opened after 01/01/18, for making debit transactions of 5,000 rubles. 300 welcome points will be awarded:
4 Payments in Internet banking without commission.
In the Raifa Internet bank you can pay for a lot without commission:
Moreover, you can also get a porridge of 5% when paying in IB from your credit card or debit #ALL AT ONCE:
5 Grace period for lending.
The grace period for an “ALL AT ONCE” credit card is honest (for details on what honest or dishonest grace is, read the article) is up to 50 days.
Raif's settlement date 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 repaying the minimum payment, always 21 calendar days, starting from the settlement date.
Grace period for lending - 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 terms of the grace period, the purchase on March 17 must be repaid before April 27. Purchases made during the period from 04/07 fall into the next payment period, and the debt on them must be repaid by 05/27.
In general, you need to pay off the amount of debt on the 7th indicated in the statement; if by this date there are authorized but not completed transactions, then they will go into the next reporting period:
Naturally, Rife does not include cash withdrawals from credit cards at ATMs, card-to-card transfers, or quasi-cash transactions during the grace period. For them there is a commission of 3% + 300 rubles:
By quasi-cash operations, "Raif" means replenishing online wallets, paying traveler's checks, replenishing accounts in other banks, buying chips in casinos:
It is worth noting that you will also not be able to withdraw your own funds from a credit card without a commission (they may, for example, appear there if you topped up the credit card with your own funds before the purchase, since your credit limit was not enough to complete the transaction, and the purchase did not actually take place ).
I don’t specifically indicate the interest rate on a credit card, and I don’t say exactly what will happen if the conditions of preferential lending are not met; this information should not worry you.
If you are not 100% sure that you will be able to constantly comply with the terms of the grace period, then it is better to refrain from applying for a credit card, and not only from Rife, but from any bank in general. Interest rates, fines, penalties on credit cards for all banks are very high.
UPD: 04/02/2018
Raiffeisenbank now has the opportunity to change the statement date to a more convenient one, although this can be done no more often than once a year:
6 It’s convenient to top up the card.
Raiffeisenbank cards can withdraw funds from cards of third-party banks through Raifa’s own service (accordingly, you need to make sure that the donor bank does not charge a commission for such operations). Moreover, these transactions are displayed as carried out on the account almost immediately, which is very convenient when repaying a loan.
The “EVERYTHING AT ONCE” debit is a free donor, while a credit card, accordingly, punishes donation with a commission of 3% + 300 rubles. You can read more about C2C transfers 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. The same card can be added to several devices and used simultaneously, thus providing free add-ons.
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 their first current account (when issuing/receiving their first card), on this day they can at the same time open an “Active” savings account, where the balance is up to RUB 100,000. fair 7% per annum are charged:
New clients are understood as persons who were not clients of Raif within 30 days before contacting the bank:
UPD: 02.11.2019
The “Active” account is now unavailable for new clients; they are offered to open a less profitable “Simple and Profitable” savings account, with a balance of up to 2 million rubles. 6% per annum is provided, however, not on a daily basis, but on the minimum per 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 rate (on a daily balance of up to 100,000 rubles, 7% per annum is charged).
UPD: 11/10/2018
10 Free insurance.
At Raiffeisenbank you can get free travel insurance by signing up for the “Golden” package.
This package is free if the monthly turnover of expenses on all customer cards is from 30,000 rubles, or when maintaining an average monthly balance in the bank from 300,000 rubles. If the conditions are not met, the “Golden” package costs 500 rubles/month. The ALL AT ONCE card itself is not included in the Gold package, but purchases made with it count toward the free package.
The insurance policy is provided by AlfaStrakhovanie/assistance AP Companies.
Coverage applies to the package owner, spouse and children when traveling together. The total sum insured is 50,000 euros. 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 a Visa card to Google Pay;
2. Register on the page rtm.visa.com/Registration/GPaywithVisa(you must indicate the card number, first and last name, as well as telephone number);
3. Make three purchases using the card using a smartphone between September 2 and October 13, 2019;
4. Profit! The bonus will be credited until November 1st.
Only one participant'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 promotion is RUB 38,009,500.00, so there may not be enough for everyone. There is also a list of exceptions that do not count as purchases.
GET EVERYTHING AT A TIME WITH FREE SERVICEMap EVERYTHING AT ONCE. Flaws
1 Risk of loyalty program cancellation.
The risks of canceling the loyalty program, or changing it for the worse, or canceling customer 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 “ALL AT ONCE” debit card has no interest on the balance. The only thing is that “Raif” has the opportunity to open a savings account “For every day”. For salary earners the interest rate is 6%, for others 5%:
UPD: 07/04/2019
As of July 3, 2019, for salary clients on a savings account with a balance of up to RUB 100,000. The rate is 5.5% per annum, for all others – 4.5%:
3 Limits cannot be set.
In Raif, you cannot set limits on certain transactions, for example, prohibit online purchases or cash withdrawals from an ATM, set a maximum spending threshold for a day, 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, and 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 notifications.
The commission for the “SMS-informing” service for credit and debit cards is 60 rubles for the main card and 45 rubles for the additional card. There is no charge for the service for the first 2 months:
5 Commission for payment abroad.
Raiffeisenbank, in addition to the unfavorable exchange rate, also has an additional commission of 1.65% for making transactions abroad in a currency other than the account currency (rubles):
6 Use of the “anti-money laundering” law (115-FZ).
GET A CREDIT ALL AT ONCEDon’t forget that Raif is now distributing “EVERYTHING AT A TIME” 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 AT A TIME WITH FREE SERVICEUPD: 02/10/2018
So I collected the necessary 20,000 points to exchange for 50,000 rubles for purchases using the “EVERYTHING AT A TIME” card from Raiffeisenbank. Cashback has been successfully credited to your credit card account. I only have pleasant emotions from the bank:
Part of the cashback was used to pay off credit card debt, and part of it increased the equity on the credit card (RUB 22,080.3). 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 Raif account (if you make the transfer yourself through IB/MB or simply withdraw it from an ATM, there will be a commission):
Withdrawals from a current account at the Raiffeisenbank cash desk also come with a commission, so you need to withdraw money using a Raifa debit card, which you can get for free if you become an individual payroll client. I made an intrabank transfer to a relative who has a debit card and successfully cashed out my cashback:
I hope my article was useful to you; write about any clarifications and additions in the comments.
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Cashback from Raiffeisen Bank will allow you to return part of the amount from all purchases made with the card. Accumulated bonus units are exchanged for various gifts - certificates, money, miles. To receive a reward, in your Raiffeisen Bank personal account you need to see how many points have been awarded for cashback. But before joining the loyalty program, customers are advised to learn all the nuances and rules of participation.
The principle of accruing points for cashback from Raiffeisen Bank
The loyalty program may provide for the accrual of additional points - on your birthday or for the New Year, when you issue a card.
Important! There is no return exchange of spent points. If the user cancels purchased air tickets, booked a hotel, or does not use the certificate, the spent units are lost. There is also no provision for conversion between them - points change only once: after they are accrued, they are spent on rewards.
How to see their number
To view points for cashback at Raiffeisen Bank, you need to log into your personal account. If you do not have access to it, you will need to register. In the “Exchange Points” section, they can be exchanged for any rewards from the catalogue. In the “Transaction History” you can see the order of accruals - for what operations, on what date, how much was received. The bonus amount is calculated for any selected period.
Payment of points takes from 1 day to a month: Ozon.ru or Yandex.Taxi - within 24 hours, S7 Priority - within 20 days, conversion into cash - up to 3 weeks, Russian Railways bonuses - up to 10 days. Therefore, if the units are not displayed in your personal account, you need to wait a certain time. It should also be taken into account that the client does not receive a reward for all expenses.
How to spend or exchange points
To redeem points, you must meet certain conditions. The key one is registration in loyalty programs. For example, to pay for air tickets, the user must be a member of the corresponding program; to purchase Russian Railways tickets, the user must register at rzd-bonus.ru. With certificates for Yandex.Taxi and Ozon.ru - similarly, you need to register in the system and install the Yandex.Taxi application.
Promotional codes from certificates are entered when placing an order in an online store or calling a taxi, points are debited from the bonus account, and payment is made. Miles and bonuses are used to pay for goods or services through the websites of loyalty programs from Russian Railways or S7.
About the card EVERYTHING from RaiffeisenBank
Bonus conversion has a rather complex scheme. It’s easier to understand it in your personal account, where all the data is summarized in a single table. Let's look at an example of how many rubles you can get for bonuses:
- 500 b.b. = 250 rub.;
- 1 thousand b.b. = 600 rub.;
- 4 thousand b.b. = 4 thousand rubles;
- 20 thousand b.b. = 50 thousand rubles
Points for charitable contributions “Old Age in Joy” are changed in a similar way.
Exchange for Ozon.ru certificates is more profitable:
- 600 b.b. = 300 rub.;
- 2 thousand b.b. = 2 thousand rubles;
- 4 thousand b.b. = 6 thousand rubles
It is most profitable to save a larger amount of bonus units, so you can get a larger ruble equivalent. Moreover, regardless of what the user wants to take: money, certificates, miles.
Lenta card from Raiffeisen Bank
Raiffeisen Bank, together with the Lenta retail chain, has developed a special product - a co-branded Lenta-Raiffeisen Bank plastic card with Cashback. You can get points for any purchases when making payments in the Lenta store. Customers are also provided with additional discounts and bonuses as part of special promotions.
The program is valid until December 31, 2020, but if no official notice of completion is published 30 days before its end, it will be extended for another year. It is recommended to find out on your own whether the promotion will be extended.
Card features: discounts and cashback
It is possible to adjust the discount (the percentage that Raiffeisen Bank returns to the plastic holder) when purchasing promotional goods, if minimum retail prices are legally established for them.
How to spend points and pay for a purchase
Bonuses are used as a discount on all products in the Lenta chain of stores. They do not have a cash value, and, instead of them, you cannot get real money. The client has the right to pay with points at any time he wishes.
Using the privileges is simple - you need to take the goods and inform the employee at the checkout that part of the cost will be paid for with bonuses. You must have a card with you.
Bonuses can be used to reimburse no more than 99% of the price; the client must pay at least 1 ruble with his own funds. There is no minimum percentage set.
Cost and terms of service
One of the advantages of Lenta-Raiffeisen Bank is the absence of annual maintenance fees. Including free access to the Internet bank, through which you can check how many points have been accrued. But to get a card, you need to pay a one-time fee of 300 rubles.
The account is replenished in any standard way - through ATMs, bank transfer, at a bank branch. You can deposit funds without commission through Raiffeisen Bank and technical devices of partner companies:
- URALSIB;
- Rosbank;
- Gazprombank;
- BINBANK;
- Moscow Credit Bank (MCB);
- Rosselkhozbank;
- Energotransbank.
A complete list of all addresses is on the Raiffeisen Bank website - www.raiffeisen.ru.
You can get your own funds from an ATM or bank teller, just like using a debit card. A restriction is imposed only on the issuance of bonuses - they are spent on purchases in Lenta.
How to apply for a Raiffeisen Lenta card
Any legally capable person who has reached the age of 14 can receive a card. In this case, minor citizens are required to provide permission to open an account from their parents or guardians. All participants fill out the form and submit it to the representative.
Banking functionality is activated separately, within six months from the date of receipt of the plastic. At the same time, Raiffeisen Bank will open a personal account, and the card will combine a debit and a bonus card at the same time. That is, using your own funds, you can use it to pay not only in the Lenta network, but at any retail outlet.
For those persons who previously or currently already own a Lenta card, the registration procedure is not canceled. You need to fill out a form and join the current promotional program, after which points begin to accumulate. If a card is lost, it is restored, and all previous ones are blocked.
- Partner banks of Raiffeisenbank for cash withdrawal without commission Raiffeisen limit for cash withdrawal through an ATM
- Reviews about Raiffeisenbank Advantages of cash settlement services in Raiffeisenbank
- Debit cards Raiffeisenbank Raiffeisenbank apply for a debit card online
- Cashback all at once Raiffeisen