The Internet is a unique place, without which practically no people can live today. Many years ago, no one could even think that today anyone would have the opportunity to purchase any things and goods online. Just imagine that for this there is no need to leave the house.
Today, there are a huge variety of online stores, as well as other resources that allow us to make purchases. If in the usual shops we are used to using discount cards or similar systems that give us a certain discount on a particular product, then the Internet is still easier, like at gas stations, etc. Here you can use a variety of cashback services or purchase cashback debit cards. With the help of the latter, you can return certain amounts of money after receiving orders.
Tinkoff card with cashback
Today the Tinkoff card has gained popularity, which can be obtained by almost every resident of the Russian Federation. This debit card is used by the owner only for storage and disposal of personal funds. In some cases, cashback can reach even 30% of the total order.
Application for this card can be submitted online through the official website. if everything is in order, the bank takes a positive decision and agrees to issue a Tinkoff card with a cashback. Within a few days, it is delivered to your home or office. To date, there are two criteria that the recipient of this debit card with cashback must meet. First, you must be in the age group of 18 to 75 years. Secondly, you must have a passport of a citizen of the Russian Federation.
Basic conditions and advantages
When discussing the most profitable debit cards with cashback, it is worth mentioning that in this case the bank offers you quite favorable interest rates. We are talking about 8% per annum for an amount that does not exceed 300 thousand rubles, as well as 4% if the amount exceeds 300 thousand rubles. In addition, an additional advantage is that you can cash out cash from 3,000 Russian rubles at a variety of ATMs in the world, and without any commission.
It is also worth mentioning that you get 1% cashback for absolutely any purchases, as well as 5% for special categories that the bank determines. In addition, you can get up to 30% by going to the bankās official website in the section āProposals from bank partnersā. It should be noted that you are guaranteed free service if your account with the bank constantly has a minimum of 30 thousand rubles. By the way, Internet banking, mobile banking and SMS-informing are absolutely free.
Promsvyazbank
In this case, the bank is ready to offer each of its customers an All Inclusive debit card. When discussing the best debit cards with cashback, you canāt but mention this option, because in this case you have the opportunity to return about 5% of the money spent on each purchase. However, note that in this case, the cashback bank provides only one of the following categories: clothing and shoes, travel, fuel, household goods and repairs.
As for the conditions, it is important to note that you must be between 18 and 75 years old, you must have the citizenship of the Russian Federation and a passport of this state. You can submit an application in one of the most convenient ways: in the nearest branch of Promsvyazbank or online on the official website of the institution.
Benefits
Of course, if you are interested in comparing debit cards with cashback, it is worth noting that at the moment the best option is the card from Tinkoff Bank, because it offers more favorable conditions. If we talk about the benefits, it is worth noting that customers can get cashback up to 5%, free service if the amount on the account varies from 50,000 rubles, as well as completely free mobile bank and Internet banking.
You can easily cash out money without any commission at Promsvyazbank ATMs, as well as at banks that are its partners. Additionally, you can always activate a special service called "Smart Money", which is provided to customers completely free of charge.
"Alfa Bank"
This institution offers its customers to order a debit card called CashBack. It is one of the most profitable if you use money to pay bills in bars, cafes and restaurants, as well as gas stations. For these categories of goods and services, the bank offers a refund from 5 to a maximum of 10%.
The conditions for obtaining this card are as follows: a passport and citizenship of the Russian Federation, age from 18 to 75 years. In addition, it is important to note that the card order is available only to those customers who already use one of all existing service packages from Alfa-Bank. You can order such a card through the official website of a financial company or at any nearest bank branch in your city.
Main advantages
In this case, the income on the balance in your account can reach 8% per annum, and discounts on all services vary up to 15%. In addition, cashback is 5% when paying by card in restaurants, bars, and cafes. At the same time, it is 10% when it comes to visiting gas stations in any country in the world.
Please note that there are restrictions, because the maximum amount of return for the year may be the amount of 60,000 rubles. At the same time, the cost of service in this case varies within 1200 rubles. in one year.
Sberbank
This bank is the most popular bank in the Russian Federation. Oddly enough, he also offers his customers the opportunity to return part of the money spent on online purchases. To date, partners who support the loyalty program, there are more than 10 thousand. Moreover, the number of such companies is increasing daily.
So, in this case, you can receive at least 0.5% of the cost of purchased goods. At the same time, on the official website in a special section you can without any problems get acquainted with all the promotions that allow you to get cashback or a discount on goods up to 50%.
Additional Information
Almost every client of Sberbank can activate the cashback service. The exception is the cards indicated on the official website. This list includes cards with the logos of Russian Airlines, as well as MTS.
I wonder how you can get a Sberbank debit card with cashback. In this case, you just need to register with this loyalty program. This can be done through Internet banking, an information terminal or an ATM, as well as through the application on your own smartphone. The official website contains all the instructions, so you can connect without any problems and start using the cashback from Sberbank.
Comparison
Let's compare the discussed cards.
Map Comparison | Service cost | Interest on balance | Return percentage |
| Tinkoff | free of charge (if there is 30 thousand rubles in the account) | up to 8% | up to 30% |
| Promsvyazbank | free of charge (if there are 50 thousand rubles in the account) | not | up to 5% |
| "Alfa Bank" | 1200 rub / year | up to 8% | to 10% |
| Sberbank | map dependent | map dependent | up to 50% |
These are the conditions offered by the most popular banks of the Russian Federation. Choose the best option for yourself. Enjoy your shopping with profitable services!