Today , bank cards are very popular. They can be credit and debit. Each of them offers its own capabilities. A cashback bank card has its advantages. They are offered to issue various banks.
What it is?
Banks in a highly competitive environment offer customers maximum profit. To attract new faces, financial institutions offer cashback service. It involves a refund for purchases made. But how does this happen? For each card in the organization, the percentage of return on non-cash transactions is set.
After paying for the goods or services, the client receives a percentage in his account. Some banks transfer funds immediately, while others transfer them on the reporting day. It turns out that the customer buys the goods at a discount. In Russia, any cashback bank card functions in the same way as in other countries.
Features
Shopping with a credit card with cashback is very beneficial if you make them regularly. It is enough to monitor the holding of shares. Funds may be returned to the buyer from acquisitions in:
- shopping centers;
- online stores;
- online cabinets.
Banks offer cashback in the form of:
- bonuses that allow you to pay with partners;
- rubles transferred to the account;
- mile to pay for plane or train tickets.
A cashback bank card does not differ from standard debit cards. It is used very easily. The client only needs to follow the shares of the organization. Typically, financial institutions cooperate with shopping centers and provide discounts on goods. Customers can control the bonuses. A review of bank cards with cashback will allow you to choose the most suitable option.
Tinkoff Bank
This is one of the largest banks. A feature is the receipt of banking products by customers remotely. The company has no offices, and all applications are processed via the Internet. The card can be ordered in a few minutes, having received it by courier.
Tinkoff Bank offers 12 cashback debit cards. Each of them has its own bonuses. More benefits with the Tinkoff Black card. On it there are 3 types of incentives:
- 5% - purchases in online stores;
- 1% - ordinary purchases;
- 3-30% - discount on online purchases.
Annual maintenance costs 99 rubles. And if the deposit amount is less than 30 thousand rubles, then this service is free. There is no charge for SMS alerts. Interest is accrued on the balance: 7% (ruble account) and 0.5% (currency). This is a bank card with a good cashback. It is only necessary to constantly monitor the availability of stocks and offers.
"Alfa Bank"
The organization is a universal bank offering various services. Valid 43 debit cards. Such a variety allows each client to choose something suitable. An application can be made through the site. All cards have a bonus for non-cash transactions.
Of particular note is the Cash Bach product. With it, the user receives:
- 10% - from purchases at gas stations;
- 5% - payment in a cafe;
- up to 15% - discounts on stocks.
The minimum monthly return does not exceed 5,000 rubles. Annual maintenance costs 1,200 rubles. SMS notification is provided free of charge. The balance of the account is charged 7%. Card users get access to Alfa-Click, with which it is possible to pay for services, open an additional account and transfer funds. Find answers to your questions in the support service. This is a profitable bank card with cashback and interest on the balance.
RocketBank
The organization is one of the first virtual banks, which was developed as a convenient mobile offer that allows you to use financial products. In 2016, RocketBank was purchased by Otkritie Bank.
Not too many banking products are offered. But there is an Otkritie-Rocket debit card, which has already become popular among people because of its advantages. From each purchase, up to 10% is returned to the account, and it does not matter in which store the purchase is made. You do not need to pay for annual maintenance, and an SMS alert costs 50 rubles per month. The balance is charged at 8% per annum. Not all people can get such a card yet, since they are delivered only to some large cities.
Sberbank
Savings Bank is one of the largest. He is considered a leader in the banking sector. This company has many branches throughout the country, a large number of customers, convenient service and quality service. A variety of banking products and attractive conditions are available to customers.
Each bank card with a cashback from Sberbank differs in status and conditions. There are 10 offers in total. Visa Platinum Card allows customers to enjoy many benefits. Bonuses are awarded in the form of "Thank you":
- 10% - payment at gas stations;
- 10% - Yandex.Taxi services;
- 5% - cafes and restaurants;
- 1.5% - supermarkets;
- 0.5% - other purchases.
Maintenance for the year costs 4,990 rubles. There is no need to pay for SMS notification. No interest accrual services. Bonuses are transferred for each purchase. You can pay with bonuses at partners. Under the agreement, 1 bonus is equal to 1 ruble.
"Opening"
The bank has been operating since 1995. Only in 2016, customers got the opportunity to use cashback cards. The banking product has the name "Smart Card". Everyone can arrange it remotely. The following benefits are provided:
- 10% - for goods of a promo category;
- 1.5% - for purchases from 30 thousand rubles;
- 1% - for purchases up to 30 thousand rubles.
If a bank card with cashback is used actively or spent more than 30 thousand per month, then you do not need to pay for annual service. Otherwise, the service fee will be 299 rubles per month. SMS-notification costs 59 rubles per month, the balance is charged at 7.5%. This banking product is ideal for those who make many purchases. You can withdraw cash no more than 150 thousand rubles per month.
Binbank
The organization has been operating for 23 years. Customers can use the Binbonus loyalty program. A commercial bank provides a bank card with a cashback for purchases. It will be possible to order it via the Internet. The return is 5% for goods and services of a certain category and 1% for other purchases.
Annual maintenance costs 450 rubles per month, but if you pay immediately for a year, then 4,500 rubles. You don’t have to pay anything with a daily balance of 100 thousand rubles. There is no charge for an SMC alert. If there is more than 750 thousand rubles on the balance, then 2% is charged, and with a smaller amount - 6%.
Promsvyazbank
This is a large bank with a developed branch network. Serving the retail business has been active since 2005. Customers are offered an All Inclusive card. It accrues:
- 5% - for fuel at gas stations;
- 5% - for clothes and shoes;
- 5% - tickets;
- 5% - household goods;
- 3% - goods in supermarkets.
Maximum per month can return 1 thousand rubles. Annual maintenance costs 1,500 rubles per year. There will be no further payment if the balance for the past period is 50 thousand rubles. For SMS notification, the monthly fee is 29 rubles. No interest is accrued on the balance.
"Corn"
The debit card is issued by RNKO LLC, and the distributor is Euroset. There are 2 logos on the plastic: Golden Crown and Master Card. The card allows you to make various payments, make transfers, buy currency.
When paying for goods and services to the client, 0.5-3% of the purchase price is charged. Bonus points are accumulated, and then they can be spent on a purchase at Euroset, as well as from partners. Annual maintenance and SMS alerts are free. There is a possibility of obtaining interest on the balance - 10% (with a balance of more than 30 thousand rubles) and 7% (less than 30 thousand).
"Svyaznoy"
The company offers customers a universal card with cashback service. Points are awarded for each purchase. After processing the card, 200 bonuses are given as a gift. Up to 20 points are transferred for purchases.
The annual service for a standard card costs 600 rubles, and for a nominal card another 300 rubles. There is no charge for SMS notification in the 1st month, and then 50 rubles. 10% per annum is charged on the card if the permanent balance is not less than 10 thousand rubles. You can pay with points from partners, including many different stores.
Raiffeisen Bank
Debit card is a convenient payment tool that allows you to earn discounts. With it you can get cashback and participate in promotions. You can draw up a card "VERY IMPOSSIBLE", which will be very convenient to use.
Points are awarded for purchases: 1 bonus for 50 or 100 rubles. Another 500 points are received on birthday. The limit per year is 40 thousand bonuses. Annual maintenance costs 1,490 rubles, and SMS notification costs 60 rubles from the 3rd month. No interest accrual services.
"Megaphone"
Although the Megafon bank card with cashback appeared not so long ago, it has already become popular. There are many benefits to it. A phone bill is the same as a card balance. With this money you can pay for goods and services. The balance is charged at 8% per annum. To receive income, you need to perform at least one operation per month.
Cashback from Megafon partners reaches 50%. The card is provided on the day of treatment. You just need to contact the communication salon. Registration takes 10-15 minutes. You can attach several cards to one account.
Before you issue a card, you must select the appropriate product. It is important to pay attention to the refund. Usually, banks transfer them in the form of bonuses, miles, points. Therefore, you must first find out what exactly will be charged and how it will be used.
Cashback is not provided for all purchases, but for acquisitions in partner stores. Their list can be found on the bank's website. Only with such treatment can you make a profit. Each bank offers to redeem points for something specific, such as a discount, real rubles, services. Many agencies charge a service charge. If the card is rarely used, then the minimum fee should be chosen.
The rating of bank cards with cashback allows you to choose the most suitable option for yourself. Such cooperation is beneficial to everyone: the user receives bonuses, the bank receives payment for the use of services, and partners receive new customers. Therefore, if the conditions are favorable, you can draw up a bank card.