The most profitable cards with cashback and interest on the balance in 2020

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Cashback is the most beneficial reward for debit card holders. Instead of bonuses that can only be spent on limited services, the client receives real money. Depending on the bank, the card brings from 1% to 30% of the amount of each purchase in stores in Russia and abroad.

Bank cards pay high interest on selected categories: gas stations, travel, taxis, restaurants and pharmacies. The bank pays about 1% for other expense items. Get a card with miles for pensioners, motorists and a youth card for your child to profitably store your accumulated money.

Debit cards with interest on your balance and free service pay up to 7% per year. After submitting an application on the website, the next day a courier will arrive and in five minutes will issue a plastic card with a large cashback. Check out the rating of Russian banks with the most favorable financial offers.

Rocketbank

Rocketbank has good conditions for receiving debit cards with cashback and interest on the balance. You can link several accounts in different currencies to one card and switch between them in your personal account. To get a bank card and open an account, you don’t have to go to the office and stand in line; just download the application and fill out an application online.

The “Cozy Space” tariff provides for receiving 1% cashback on each purchase, and with program partners you can return a fifth of the payment back to your account. Cash withdrawals, transfers to a card from another bank, and replenishment through an ATM are not subject to commission. Rocketbank's savings tariffs bring monthly benefits in the amount of 4.5% per annum.

You can get a virtual debit card with cashback from your bank, which you can use to store cash or pay for purchases in an online store. If necessary, the virtual account turns into a regular one with a plastic card. In the mobile application, it is convenient to change currency, create a separate account for savings, and also transfer money to another person or issue an invoice to another client.

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What is a debit card

This is a plastic payment medium. You can pay with such a card in a store, via the Internet, or in your personal account. You replenish a debit card yourself via an ATM or through a bank cash desk, or use a transfer from card to card.

And your employer can transfer your salary to it, which you will agree is very convenient. It is almost no different from a credit card, except that the funds on it are yours, and not borrowed from the bank, and you receive cashback from a debit card for purchases made and interest on the account balance.

The debit card also has its own unique number, a period of use, after which the card must be reissued (the current account will remain the same) and the name of the card holder, and on the back of the card there is an access code for using the account for online orders.

You use it when you make a purchase online and the system asks you to enter this three-digit code. Only the card owner can know this code, so be careful and do not share your card information with third parties. And when ordering online, use only trusted resources.

Typically, a debit account is opened in rubles. Less often in foreign currency. We don’t think that you receive payment for your work in dollars or yuan if you live in Russia. A foreign currency debit account is opened by those who often travel abroad or work for a foreign company.

Megafon Bank

When your mobile phone and bank card accounts are the same, it’s safe and simple. Get a Megafon Bank debit card and receive 1.5% cashback on all purchases in stores and 10 percent annual profit on the balance. If all conditions are met, card servicing will be free, and for every 100 rubles spent, the company will credit you with 10 MB of mobile Internet.

You don't have to get a plastic card that will take up space in your wallet. A digital card (virtual) from Megafon is convenient for making purchases on the Internet, as well as for contactless payment through an electronic wallet. The rules and tariffs for a virtual account are the same as for a regular one. Payment data is protected by encryption, so using your digital card is safe.

For a Megafon Bank card, you can choose a Standard, Light or Maximum tariff. They differ in the amount of cashback and the conditions under which no account maintenance fee will be charged. All bank clients are provided with protection against accidental subscriptions, as well as free SMS banking that works without the Internet.

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How to use a cashback card?

Cashback (translated from English as “cashback” or American as “cash back” is a refund) is a percentage that is returned to the client when making a purchase or paying for a service and is credited to his bonus account. In simple words, this is gratitude in the form of bonuses, motivating the client to make purchases from a specific seller and thereby “earn money.”

• It is measured as a percentage of the amount purchased in stores.
• To receive cashback, you must issue a bank card with the function of returning part of the money spent.

The loyalty program works as follows:

1. First, the product or service is paid for in full.
2. Further, if the purchase falls under the terms of the loyalty program, then bank bonuses are awarded.
3. In case of a partial return, sellers compensate the bank for the costs of attracting customers.
4. Cashback can be awarded in bonus points or rubles.
5. The interest is usually between 0.5% and 7% depending on your debit card rate.

Some banks have partners, the highest percentage of which can range from 15 to 30, but applies either to certain categories of goods or to specific stores.

Card comparison table by cashback percentage

How to connect and earn money?

• Check if your card supports the option of returning interest on purchases.
• For most bank cards, the function is activated automatically, but sometimes it needs to be activated in the terminal, mobile application or official website of the bank.
• Please note that in order to receive the maximum percentage on a purchase, you must first activate your partner in your account or application.

Cards with maximum cashback – 15 “Pitfalls”

1. There is a limit on the maximum amount of remuneration per month, often several thousand rubles.
2. In most cases, it is awarded not with money, but with points or bonuses, the spending and validity of which may also have restrictions.
3. Accrued only on purchases, money transfers and cash withdrawals are not taken into account.
4. Each bank has its own list of operations equivalent to cash withdrawal - this could be loan repayment, purchase of securities, games, etc.
5. Some banks place restrictions on the number of purchases at one retail outlet or online store for a certain period.
6. Some banks may terminate the service agreement if the money is spent primarily in cashback categories.
7. Increased interest rates for categories established by the bank.
8. Increased bonuses are awarded in selected categories, which may change periodically.
9. Maximum points are awarded only in certain stores, the list of which is also updated periodically.
10. To receive a large refund, you may be required to make purchases for the minimum amount specified in the terms and conditions.
11. The increased percentage may depend on the monthly purchase volume.
12. In pursuit of bonuses, you may make unnecessary purchases and start spending more money.
13. Typically, bonuses for purchases in the current month are awarded only in the next month.
14. There may be a large cashback, but at the same time the high cost of annual maintenance.

Carefully study the terms of the loyalty program of the selected bank, because there may be implicit restrictions on the accrual of interest on cashback.

Sovcombank

At Sovcombank you can get a profitable debit card with cashback and interest on your balance in 2020. The convenience of the bank’s program lies in choosing a specific category for which you can receive increased cashback (air tickets (miles), gas stations, cafes, taxis and restaurants). The bank's catalog has a large selection of ready-made solutions for all occasions. You can choose a card with preferential terms for car insurance, medical insurance, and comprehensive property protection.

Sovcombank provides benefits in the form of monthly accrual on the balance in the amount of 5% per annum. Cashback money is credited to your debit card in rubles. In order to apply for a card, you only need a Russian passport. Sovcombank cares about customer safety; all payment data is securely encrypted. If you lose your bank card, you can call the hotline number or write to the online chat to have it blocked and reissued.

In the Sovcombank mobile application, you can transfer money to a client of another bank, open a new account, get information on the card, and also get acquainted with discounts, promotions and advantageous offers. Go to the company's social media page to learn financial life hacks or participate in sweepstakes.

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Black card from Tinkoff

up to 30% - from the Bank's partners; 5% - in 3 categories; From 0 ₽ per service.

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“Our best cashback card,” says the slogan on the page dedicated to the Black card from Tinkoff Bank.

You can't argue with that, it really is the best card in their bank, but what about the competition with other banks? Does the card take a hit?

So, a debit card with double income: cashback + interest on the balance. Nothing new yet.

Cashback is credited immediately in cash at the end of each month. Cashback percentage - 5% for 3 categories. But you can choose the categories that are your priority. They can be changed once every 3 months. Cashback on regular purchases is standard 1%.

In addition, Tinkoff promises up to 30% cashback when purchasing from partner stores. The application has bonus categories; now there are more than 100 stores with cashback and special conditions.

The maximum cashback you can get in a month is 3,000 rubles. Cashback for special offers and bonuses from partners is calculated separately - its maximum amount is 6,000 rubles per month.

Terms of receipt and use

Issuing the card is free, as is delivery to any city in Russia by courier. The card is activated on the spot when the card is handed over by the courier.

Servicing the card costs 99 rubles per month, provided that you do not have 50,000 rubles in deposits and accounts. A small fee for one of the most convenient online banks in Russia.

SMS notifications about transactions will cost an additional 59 rubles, but nowadays this is a completely unnecessary expense, since all expenses can be viewed directly in the bank’s mobile application.

Review of the Tinkoff Black card

Let me start by saying that I have this card. I didn’t take it because it was the best cashback card on the market, I got it to evaluate how convenient the Tinkoff online bank was and was very pleased.

up to 30% - from the Bank's partners; 5% - in 3 categories; From 0 ₽ per service.

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Cashback is a nice addition to a cool product. Mobile banking is at an incredible level, especially after Sber.

For example, I didn’t find information on the maximum cashback on the website - I wrote to the online chat in the application, the operator answered me within 3 minutes.

Tinkoff Bank is especially convenient because it allows you to make interest-free transfers to cards of other banks. Up to 20,000 rubles per month, but still.

UniCredit Bank

UniCredit Bank offers different cards for receiving cashback with real money. Analyze your expenses and get a card that will help you get the maximum benefit from your purchases. AutoCard gives an increased percentage of returns for taxis, car sharing, gas stations, toll roads, and public transport. If you spend 10,000 rubles. per month, bank services will be free.

You can link an additional card to any UniCredit Bank card without commission or service fees. This will be convenient for issuing a card for a child. Due to the fact that the link is to the main account, you can always control expenses. You can check your balance, view your payment history, pay for utility bills or other services in your personal account or the bank’s mobile application.

The UniCredit website has a tool for comparing several debit cards in Russia, add options there and decide on the most favorable tariff for personal accounting. If you have any questions, you can ask them in the online chat 24 hours a day. Thanks to its modern application, favorable tariffs and customer focus, UniCredit Bank is included in the list of the best for 2020.

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How to get a cashback card - 5 detailed steps

Receiving cashback plastic is practically no different from applying for any other bank card.

However, there are still some nuances in this process. Therefore, my detailed step-by-step algorithm will come in handy for many.

Step 1. Decide on a bank

Finding a bank that offers cashback cards is not difficult. Use search or comparison services.

Many specialized resources such as Sravni.ru or Banki.ru. offer a comparison of credit institutions and their main products. Visit these sites, carefully read the information, make a preliminary selection of 2-3 credit institutions that appeal to you the most.

Read reviews of candidate banks' card products. I just hasten to warn you, you shouldn’t trust them 100%. It's no secret that some of them are paid.

Step 2. Select a card

Usually, when choosing a card with cashback, a potential client pays main attention to the % cashback. However, this is not always justified. A high return rate is not a guarantee of the best offer.

Pay attention not only to the size of the cashback, but also to the conditions for its provision : the presence of restrictions and additional requirements, the cost of service, the list of bonus programs.

When choosing, consider your lifestyle. I read somewhere about a very interesting way to identify a card with profitable categories. Now I use it all the time and suggest you try it too.

Advice from personal practice

Take a piece of paper. Divide it into 2 columns with a pencil.

On the left, write the direction of your daily expenses and their amounts. In the other column (right) - the name of the card and the cashback category for it from candidate banks.

Such visibility will allow you to accurately determine the expenses with the largest share and select a card from the right column specifically for them.

Even if the selected category does not have the highest return percentage, due to the volume of transactions you are guaranteed to receive the desired amount.

And vice versa, if you choose a category with a high cashback, but the amount of purchases is small, then you may not achieve the desired result.

Pay attention to the cost of servicing plastic. It is important that its value for the year is lower than the cashback received for the same period.

Step 3. Fill out an application

The choice of plastic took place. We fill out an application.

There are several options:

• online on the website of the financial institution;
• by visiting a bank office in person;
• by calling the bank's contact center.

Please prepare your passport before submitting your application. His information will be required when filling out the application form.

Let me remind you that for card products, banks most often do not issue us all the usual agreement signed by the parties, since this operation is carried out within the framework of a public offer.

Public offer - an offer from a credit institution made publicly (for example, on a website). It contains all the conditions necessary to complete the transaction.

For a public offer to come into force, it must be accepted. The conditions stipulate that sending an application is acceptance.

This approach greatly simplifies the design of card products. However, be careful: before submitting your application, read all the necessary documentation posted on the financial institution’s website.

Step 4. Take the card and make purchases

The application has been approved. In a few days the map will be ready. The terms for all banks are different: from 1 to 10 days.

If you are lucky and your bank has its own processing center that produces plastic cards, then the period will be minimal.

The bank will send an SMS to the applicant about the readiness of the plastic. All you have to do is come with your passport during the opening hours of the selected branch and receive it.

Before visiting the bank, call and clarify the necessary documents, as well as the working hours

Before visiting a bank office, I recommend that you call there in advance to clarify the work schedule and the list of documents to receive a card (some banks require, in addition to a passport, other additional documents). This way you will come for the card fully armed and receive it without any problems.

Step 5. Get cashback

Card received. All that remains is to make purchases and receive cashback within the agreed time frame. Do not forget about the limiting conditions on payments, of course, if they are provided.

Often, having received the card, the holder begins to pay for goods mainly only from categories with an increased percentage of return. I don't recommend doing this!

Remember! If you “lean” only on categories with increased cashback, the bank will regard such behavior as abuse and will not count the amounts spent.

Rosbank

With a debit card from Rosbank “Everything is possible”, shopping in online stores will become even more enjoyable. When paying by credit card, you receive 1% of the money back from all payments, and up to ten percent of the money is returned for one of the selected categories. Choose one of the product groups (baby clothes, beauty salons, cafes and restaurants, cinemas) and you will receive pleasant compensation once a month.

For travelers, a card with cashback will be especially convenient. For every 100 rubles, Rosbank awards up to 5 travel bonuses, and in your personal account you can open several accounts in different currencies (dollar, euro). Get a debit card to store and increase your personal funds. The bank charges 8 percent on the minimum account balance monthly.

Subject to certain conditions, the service will be free. A debit card with Rosbank overdraft can be used for the Apple Pay or Google Pay fast payment system on Android. For more convenient management of accounts, transactions and transfers, it is recommended to install the Rosbank mobile application on your smartphone.

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Cash back from Alfabank

10% - gas stations; 5% - in cafes and restaurants; 1% for everything.

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A card with the possibility of receiving cashback from AlfaBank is a debit plastic card that will allow you to save at gas stations, in restaurants/cafes, as well as on all other purchases.

This card has good marketing and attractive headlines that promise a return of up to 10% at gas stations and up to 5% in cafes and restaurants. In fact, these are maximum figures; in reality, everything is somewhat more prosaic.

You need to spend 10,000 rubles per month or more to get cashback:

• 5% at gas stations
• 2.5% in cafes and restaurants
• 0.5% other purchases

The maximum refund amount per month is 15,000 rubles (5,000 rubles for each category).

For expenses of 70,000 rubles per month on the card, the cashback will be:

• 10% at gas stations
• 5% in cafes and restaurants
• 1% on other purchases

The maximum refund amount is still 15,000 rubles, but if you spend >100 thousand rubles in a month, the refund limit will increase to 21,000 rubles (7,000 rubles for each category).

The cost of issuing a card is 0 ₽

The Alfabank Cashback card provides free service if you spend at least 10,000 rubles per month with it. The same minimum amount is required if you want to receive cashback, so the terms seem fair.

For expenses less than 10 thousand rubles, the cost of service will be 100 rubles per month, and cashback will not be accrued.

By the way, the card also has an annual limit on receiving cashback - no more than 60 thousand rubles per calendar year.

Review of Alfabank Cash Back card

10% - gas stations; 5% - in cafes and restaurants; 1% for everything.

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The card is perfect for car enthusiasts, since the cash return for the gas station category is the highest. But to get 10% you need to spend at least 70,000 rubles within a month, otherwise you will have to be content with 5%.

Cashback in cafes and restaurants from 2.5 to 5% will also allow you to save a little.

But as for cashback for other purchases, taking an Alfabank card only for them is not very profitable. Here they act as a bonus, nothing more.

Free service and the opportunity to use Alfa Mobile and Alfa Click are a nice addition to the advantageous offer on the card, and adding up to 6% on the card balance will allow you to get a small top-up if you keep money on it.

Opening

Otkritie Bank clients receive up to 11% of the amount spent in cafes and restaurants, gas stations, hotels, and beauty salons. If you want, get an Opencard card with free card service and cash withdrawal from any ATM. To receive increased cashback, select the category on which you spend the most money this month, and you can change it or leave it the same in the next month.

Otkritie Bank credits bonus rubles to your account, which can be used to compensate for any purchase over 1,500 rubles. The website has a convenient online calculator for calculating the amount of annual benefit received, subject to all conditions. In addition to the returned interest on purchases, the bank charges 5.5 percent on the account balance. Thanks to this, you can easily save up the amount for a long-awaited purchase by depositing bonuses into a piggy bank account.

Using an Otkritie Bank debit card, you can make transfers from card to card of another bank without commission. If you travel often, open several accounts in different currencies, then it will be much more convenient to pay abroad. If you have any questions, you can call the hotline or write to the mail. Competent customer support service works around the clock.

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MTS Weekend card

5% - in main categories; 1% - on all purchases; 3.5% on card balance.

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A new interesting product from MTS Bank opens our selection for a reason.

Card for weekdays - cashback for weekends

This slogan is used by MTS and for a reason. Cashback on the Weekend card is credited every Friday. Which in itself is very convenient, because many banks provide cashback only once a month.

Key features of the Weekend debit card:

• 5% cashback paid every Friday
• Free transfers to cards of other banks
• Interest on balance up to 3.5% per year

More details about cashback:

• 5% in cafes and restaurants;
• 5% in cinemas and for online films;
• 5% paper and electronic books;
• 5% taxi and car sharing;
• 5% tickets and events;
• 1% on all other purchases

The list is quite long and the conditions are quite attractive.

MTS allows you to save up to 3,000 rubles per month with cashback.

Terms of receipt and use

Issue of the card will cost 299 rubles. Which is quite a bit, considering 2 free months of service upon card activation.

From the third month, the cost of service is 99 rubles/month, but if you spend on the card from 15,000 rubles per month, the service will be free.

Cash withdrawal without commission up to 300 thousand rubles per month at any ATM.

To receive it, just fill out a form on the website, wait for the card to be issued and pick it up at any convenient bank branch or MTS salon.

Review of the MTS Weekend card

5% - in main categories; 1% - on all purchases; 3.5% on card balance.

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Most likely, you have heard about other MTS cards, but there cashback for purchases is credited to a special MTS Cashback application, which is not always convenient, because such cashback can only be spent in MTS services.

With the Weekend card everything is different! Cashback is credited in rubles, and the cashback percentages are very, very pleasant!

The card will be most useful for those who like to go to cafes, restaurants, cinemas, and attend various events. He also uses taxis and reads books. Great set!

This card is really very good for everyday use, or rather for everyday use. It is profitable for her to pay for purchases, it is profitable for her to store money and make transfers.

Raiffeisen Bank

A debit card from Raiffeisen Bank is convenient not only for storing personal savings, but will also help you get benefits. Apply for a free “All at once” card and receive up to 4% cashback for any purchases and a monthly income of 5% per annum. You don't need to have multiple cards to accumulate increased points. Pay for air tickets with miles, gas stations and restaurant bills with a bank debit card.

Get a special card for teenagers at Raiffeisen Bank with interest-free replenishment and increased cashback on all purchases. To register, just fill out the online form and wait for the courier to arrive the next day. At the same time, you can open an account for storing and accumulating funds. Transfers between accounts are available in your personal account.

To find out at what stage of registration your debit card is, go to the “Checking readiness” section. You can withdraw cash from ATMs of Raiffeisen Bank and partner companies. Most bank savings cards come with free service for the entire validity period. For convenient account management in 2020, payment for services and transfers, download the Raiffeisen Bank mobile application.

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How is cashback calculated?

Before ordering a debit card with cashback, you need to consider how the bonus will be awarded. It can be:

Money.

Bonus points.

Discounts and certificates.

At first glance, what cash back is calculated in may seem unimportant, but it must be taken into account. Discounts are not always useful for the holder - he may not use them. As for bonus points, not all cards allow you to exchange them for real money, and the validity period of points may be limited, so they may simply expire.

When choosing a card where cashback is awarded in points, you need to take into account the possibility of exchanging them and its rate, whether all bonuses can be exchanged or only a certain percentage. Sometimes bonuses can only be used to pay for certain categories of purchases. The most convenient option is cards that offer real money back in rubles.

Cashback percentage

To choose the right cashback card, you need to consider what percentage of the funds spent on purchases will be returned. There are different options for accruing cashback.

Increased cashback on certain categories. Usually it is 1-10%.

The same percentage is charged for all purchases. Cashback on everything averages 1%.

Cashback categories

Banks may offer cash back on purchases made in certain categories or on all financial transactions. Popular categories are offered, which consume a considerable part of a person’s expenses:

• supermarkets and shops,
• gas station,
• pharmacies,

• cafes and restaurants,
• travel, etc.

If you often spend money on purchases in a specific category, it makes sense to pay attention to the card that offers the largest cashback for that particular category.

The number of increased cashback categories is limited. For some cards the bank itself sets them, for others the user can select categories from those offered. Also, in some cases, increased cashback categories may be valid for a specific period established by the banking institution.

If expenses in different categories are approximately the same, it is better to choose a card that returns cash bonuses on all purchases. To make the right choice, you need to roughly understand the nature of your spending.

Special offers from partners

When comparing cards with cashback, you need to take into account the availability of special offers. Typically, banks have partners among retail outlets, and when you make purchases from them, you will receive the most generous bonus. Despite the benefits, special offers have their weaknesses.

These are single shares, purchases for which are most often made through the bank’s internal service.

Cashback on these purchases is not always profitable, since the cost of goods is often inflated.

The validity period of promotions on special offers from bank partners is always limited.

Therefore, in most cases, a card that provides the same amount of cashback on all purchases turns out to be more profitable.

Maximum cashback amount

Another criterion that takes into account the rating of debit cards with cashback is the maximum return limit, that is, the limit on the maximum amount that the bank can return for purchases made in a month. Even if you pay for a large number of goods and services, no more than the established amount will still be returned to your account.

Home Credit

You can get a debit card with cashback and interest on your balance at Home Credit Bank. Based on your goal, choose the appropriate program: for travelers it is profitable to sign up for the “Benefit Travel” tariff, for gamers “In Game”, and for those who care about health, the “Green” bioplastic card with cashback of up to 10% from eco-partners: iHerb is suitable , Moss, Sportmaster, Fresh.

There is no monthly fee for the card if the purchase amount exceeds RUB 5,000. With PayWave technology, you can pay in stores contactless. Card data and payments are reliably protected by PCI DSS and 3-D Secure standards. You can safely pay for purchases in international online stores without fear of leakage of personal information.

Cashback received under the Home Credit loyalty program can be exchanged for rubles in your personal account or spent on certificates and discounts from partner companies. In the Internet banking application, replenishing your account and transferring money within the bank will be free. The bank gives new clients the first two months of SMS notifications free of charge. This is 4th in the ranking of the best debit cards with cashback for travel and pensioners in Russia, according to user reviews.

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Registration of debit cards

Rosbank debit card #Can do everything and Premium #Can do everything

Rosbank has two debit cards - #Mozhnovse and Premium #Mozhnovse . Such cards are issued through an online application on the bank’s official website or directly when visiting the bank. Depends on the time you have.

The waiting period for cards to be issued is several days. The card will be produced and delivered to the branch nearest to you. Cards are convenient for both purchases and savings. You can receive up to 10% in rubles on your account balance. There is card support in the bank application and support for contactless payment.

#Everything is allowed

Premium #Everything is Possible

What is the difference between these cards

Premium #Mozhnev has better terms of use, more options with categories for cashback, accumulation of miles for flights, which is very convenient if you often go on business trips. And several foreign currency accounts, if you are abroad on business, you do not need to change money to the currency of the country you are visiting every time.

You just open an account in the desired currency and transfer funds there; the exchange occurs upon enrollment, and you don’t need to think about conversion (very convenient if your relatives live abroad and you sometimes send them money).

Both cards have travel bonuses, which can then be used to pay for tickets to OneTwoTrip (1 bonus = 1 ruble). On both cards you can receive up to 10% on your account balance. You can apply on the official website of the bank.

Home Credit Debit Card Benefits

You can apply for such a card either online, through the bank’s official website, or directly at the bank itself. Issuing a card does not take much time - after the application they will call you and inform you that the card is ready. With this card you can receive 10% cashback for the “Clothes and Shoes” category. Suitable for everyone who loves new clothes and shopping in clothing stores.

It also has 10% per annum on the account balance. It also has partners who have different percentages of cashback on purchases - from 3 to 9%. Cashback occurs in the form of a return of points, which are then exchanged by the client in his personal account for rubles. In-app support and contactless payment are available.

Benefit

Alfa Bank

If you want to get a debit card with a profitable cashback, consider the offers of Alfa-Bank. The most popular program "Alpha Card Premium" gives a three percent cashback for purchases and income on the balance of up to 7%. At the same time, cardholders receive a personal manager, transfer to the airport, free cash withdrawals worldwide, and a preferential currency conversion rate.

For car owners, Alfa-Bank has prepared a special tariff with a 10% refund on fuel purchases at gas stations, as well as a partial refund for paying bills in restaurants and cafes. Under the cashback program you can get up to 21,000 rubles per month. Among other offers, you can purchase a card with favorable conditions for purchases at the Perekrestok, Pyaterochka, and Russian Railways chain stores.

Issue, card maintenance, cash withdrawal free of charge in the first two months of use. This period can be extended by fulfilling the bank’s conditions (account balance at the end of the month or reaching a fixed amount for card purchases). Thanks to the profitable program, convenient application and reliable payments, Alfa-Bank’s financial products are included in the TOP 10.

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OpenCard from Otkritie Bank

up to 3% - on everything; cashback up to 15,000 ₽ /month; From 0 ₽ per service.

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The OpenCard debit card from Otkritie is attractive from the very first seconds, since the bank promises attractive conditions. Let's see if everything is so transparent.

On the card registration page, the bank offers 3% cashback on everything. Let's study the issue in a little more detail, since this would be too attractive an offer.

So, cashback is awarded in Open bonuses, each such Openbonus is equal to 1 ruble.

When you replenish the card for the first time before the end of the calendar month, the maximum cashback function is activated - 3%. So far everything matches.

If you received the card in the last days of the month, it is better to wait until the beginning of the new calendar month and only then top up the card.

Further, the size of the cashback will depend on the fulfillment of the conditions.

• 1% cashback is credited if the turnover on the card is 5,000 rubles per month
• +1% cashback is credited if the amount of payments in mobile or online banking is 1000 rubles
• +1% can be obtained if the total balance on all your Otkritie Bank cards is 100,000 rubles.

Well, not everything is as simple as the initial information says. You get a guaranteed 3% in the first month of using the card, but then the situation is somewhat more complicated.

Making a turnover of 5,000 rubles in a month and paying 1,000 rubles through Internet banking is not a problem at all, that is, you can get 2% cashback without much difficulty.

But here’s the third point: storing 100,000 rubles on Otkritie bank cards is not something everyone can do. It is also important that storage in accounts and deposits does not count; only the remaining balance on the card is counted.

The limit for receiving cashback for 1 month is 15,000 Openbonus. This is the highest limit among all similar cards. Cashback will be credited next month.

Terms of receipt and use

We figured out the cashback, what about the terms of the card itself?

You will have to pay 500 rubles to issue the card. This amount will be debited from the balance after the first transaction using the OpenCard card. Therefore, do not be alarmed that after the purchase they will withhold 500 rubles from you.

By the way, they can be returned in the form of Openbonus when the total turnover on the card reaches 10,000 rubles. Thus, if you plan to use the card, then we can assume that its issue will be free for you.

This is where the commission and fees end and the benefits begin:

• Free service
• 0% commission for cash withdrawals from any ATMs
• Transfers to Otkritie Bank cards without commission
• Transfers to cards of other banks without commission (up to 20,000 rubles per month)

Very pleasant and attractive conditions.

Feedback on OpenCard

up to 3% - on everything; cashback up to 15,000 ₽ /month; From 0 ₽ per service.

Order online

I have never been a client of Otkritie Bank, but after reviewing this card I seriously thought about ordering an Opencard debit card.

And let 3% cashback for everything be more of a marketing ploy. But receiving 2% per month for any purchases with an OpenCard card is quite possible. At the same time, a monthly cashback limit of up to 15,000 rubles (in the form of bonuses) will allow you to make even large purchases with additional benefits.

The terms of service are also captivating, as well as the absence of all kinds of commissions, which will make using the card convenient and profitable.

Eastern Bank / No. 1 Ultra

№1 Ultra

Let's see how good conditions Vostochny Bank and its No. 1 Ultra debit card offer for the average user.

Terms of Service

You will have to pay 500 ₽ for registration. Vostochny will not charge a service fee if at least one of the conditions is met:

• in the first month of opening the card;
• on the account 0 ₽ during the billing period;
• minimum account balance – from 50,000 ₽;
• receipt to the account of wages, pension payments.

In all other cases, the monthly fee will be 150 ₽.

Interest is charged on the card account balance from 10,000 to 1 million rubles. To receive the maximum income of 7%, you need to buy and pay for goods worth at least 10,000 rubles per billing period.

You will not have to pay for cash withdrawals over 3,000 rubles from ATMs of any banks; for a smaller amount the client will pay 90 rubles. The limit is set at 300,000 ₽ per day. Money transfers are free.

bonus program

Conditions of the bonus program:

1. Once a month you can choose one of four categories and receive increased cashback of up to 7%. “Driving”, “Leisure”, “Online Shopping” and “All Inclusive” are available.
2. Bonuses are awarded in rubles, which are credited to the account. Bonuses are valid for 2 years. Rounding is carried out downward.
3. Once bonus rubles are credited to your account, you can reimburse the cost of purchases within 90 days from the date they were made.
4. In addition, cashback is also paid for paying for goods and services in partner online stores. The amount of the refund depends on the specific store.

Gazprombank / Smart card

Smart card

The “Smart Card” offer from Gazprombank allows you to accumulate cashback or miles at the owner’s choice. Let's figure out why she is “smart”.

Terms of Service

Free monthly service if one of the following conditions is met:

• payment for goods and services from 5,000 ₽ per billing period;
• minimum balance – 30,000 ₽;
• bank loan;
• salary from 15,000 ₽ on a bank card.

In other cases, the service fee is 99 ₽ per month.

You can open a savings account with the card. If the balance on it exceeds 5,000 rubles, the bank will charge 5.3%. The account can be replenished and withdrawn without restrictions. There is also no ceiling on the amount and period of accumulation. The only disadvantage of such an account is the possibility of reducing the interest on the balance at the initiative of the bank.

Cash can be withdrawn from Gazprombank ATMs free of charge or 3 times per billing period in other banks (no more than 100,000 ₽ per month). Free transfers – no more than 10,000 ₽ per billing period.

bonus program

The Gazprombank debit card is called smart because of the bonus program. The owner does not need to select a category to receive increased cashback. The bank itself determines which goods or services the client spends the most money on and assigns an increased return percentage for this category.

The website lists the categories for which increased refund rates are paid: gas stations, cafes, restaurants, children's products, pharmacies, clothing and shoes, etc.

Once a month, the owner of the plastic card can exchange cashback for miles.

Pros and cons of a debit card

Possibilities

1. Ease and speed of registration - a minimum of documents required.
2. High probability of approval of the issue.
3. Usually such cards are opened within 1-2 days.
4. No need to carry cash with you.
5. If necessary, you can withdraw cash from an ATM.
6. Possibility of use abroad with automatic conversion into the currencies of the country where you are located.
7. Easy to replenish your account through the terminal or by transfer from another account.
8. If the tariff has the option of accruing interest on the balance, you can receive additional income.
9. Funds in the account are equal to a deposit and are insured up to RUR 1,400,000.
10. Fast transfers to other banks, and through the new fast payment system – even without %.
11. VIP service for Gold or Platinum users.
12. Cash withdrawals from bank or partner terminals are usually free of charge.
13. You can receive your salary on the card.

Cons - what's the catch?

1. Chances are there will be an annual maintenance fee.
2. The cost may be free if certain storage and spending conditions are met.
3. Commission when receiving cash from other banks or cash desks.
4. Frequent cases of fraud.
5. Conditions may change at any time.
6. There may be difficulties in receiving money abroad.
7. No credit limit.