In today's world, banks are a necessary evil. Most people trust them with their funds, although it is not always safer than keeping them at home in a glass jar. However, since we allow the banks to use our money, there must be some benefit out of it.
Having studied the national rating on the Banki.ru website, as well as having read reviews of the most popular cards of Russian banks, we have compiled a selection best credit and debit cards with cashback of 2019... The distribution of positions in the rating is rather arbitrary, except for the first places - they are occupied by the unconditional leaders in terms of cashback benefits.
The best credit cards with cashback of 2019
5. Warmth, Oriental Express Bank
- Pros: no annual service fee, up to 5% cashback for non-cash transactions, fair grace period of up to 56 days.
- Cons: there is a commission for the issue - 800 rubles, the card can be obtained only at the bank's office, they can impose insurance, read the contract carefully.
The bonus program of this card provides for the accrual of 5% cashback for the following categories:
- Payment for utilities.
- Pharmacies.
- Communication services.
- Public transport.
For other purchases, 1% cashback is charged.
Bonus points are credited within 5 days from the transaction, and after 30 days they become available for use. With bonus rubles, you can reimburse the purchase of goods or services in 5% of the category, but only in full and within 90 days from its completion.
4. Halva, Sovcombank
- Pros: free registration and maintenance of a card with a standard design, grace period up to 1080 days, accrual of PNR from 6% to 7.5% depending on the number of purchases per month.
- Cons: penalty for late payment to the card, installments for 12 months are available in a limited number of stores, goods for shares from Sovcombank are not available in installments.
In this case, we were cheating a little, since the “Halva” card is an installment card. That is, it is impossible to withdraw borrowed funds from it, it is used exclusively for cashless payments. However, according to the terms, "Halva" is very close to its credit colleagues, and surpasses most of them in terms of cashback benefits.
When registering it, no down payment is required. You can deposit your own funds on the card without commission and withdraw them (also without commission) at any ATM.
- When paying with "Halva" at the expense of the card's own funds, you will receive 3% from Sovcombank partners (including in online stores) and 1% in other merchants.
- And if you pay with "Halva" through the Google Pay application, Apple Pay or Samsung Pay at the checkouts of the partner network and other stores, 12% and 3% of the purchase will be returned, respectively. Please note that this does not apply to online purchases.
- When buying by installments in the first three months of the contract, when paying by phone at the box offices of Sovcombank partners, you will receive 5%.
To get cashback, you need to spend at least 5 purchases for a total of 10 thousand rubles per month.
The main disadvantage of this card is the daily accrual of 0.1% of the amount owed in case of late payment.
3. Cash Back, Alfa-Bank
- Pros: cash back up to 10%, grace period up to 60 days.
- Cons: expensive annual service - 3,990 rubles, there are conditions for accruing cashback, they can connect the credit insurance service.
This credit card with cashback is good for those who often refuel at gas stations, visit cafes and restaurants and spend at least 20 thousand rubles a month on purchases.
- Cashback for purchases at gas stations is 10%.
- Two times less - 5%, you will receive for spending in cafes and restaurants.
- For other purchases, 1% of the cache is charged (including for housing and communal services when paying on the website of the service provider).
However, the main condition for calculating cashback is to make debit transactions in the amount of 20 thousand rubles or more per calendar month. The maximum refund amount is 3 thousand rubles per month.
2. Double cashback, Promsvyazbank
- Pros: a grace period of 55 days, 10% cashback when using the credit limit for purchases in selected categories, cashback for replenishing the card, you can open an account with PNO accrual (up to 8% depending on the amount spent).
- Cons: servicing the card - 990 rubles per year, high loan rate - 26% per annum.
One of the best credit cards with cashback in 2019 offers a 1% refund on the amount of the card replenishment as a loan repayment (excluding the interbank and card transfer service of another bank). You will also receive 1% cashback for purchases (alas, utility bills are not included here). And in selected categories, there is an increased 10% cashback. These categories include:
- Movie.
- Restaurants.
- Fast food.
- Taxi.
- Car sharing.
However, there is an important condition: in order to receive an increased cashback, the purchase must be paid in full for credit funds. In case of partial or full use of your own funds, you will receive only 1% cashback.
The minimum amount for calculating cashback is 100 rubles. You can receive no more than 2000 bonuses per month, which is equivalent to 2000 rubles. The advantage of the bonus program is the absence of a minimum amount for converting bonuses into rubles.
1. Big cashback, OTP Bank
- Pros: 7% cashback in selected categories and 1% in the rest, free service, no commission for issuing a card
- Disadvantages: this card is not issued to everyone, they can impose insurance for 1200 rubles (when signing the contract, carefully look at where and why the checkboxes are ticked).
At the moment, "Big Cashback" can be safely called the best credit card with cashback in Russia. It allows you to get an increased cashback in one of six categories (selected when the card is issued).
- "Auto".
- "Travels".
- "Everything for repair."
- "Restaurants and Entertainment".
- "Family" (this includes supermarkets and utility bills).
- Shopping and Beauty.
The selected category cannot be changed, so be careful. For all other purchases, 1% will be charged. Bonuses will not be credited for purchases less than 100 rubles. Also for the billing period (month) you can get up to 3 thousand rubles of "porridge", as the users of the Banki.ru site affectionately call cashback.
Clients from the Moscow region can apply for the "Big cashback" on the OTP Bank website.
However, despite the attractive and necessary categories, this card has disadvantages. For example, you can get it if you work and receive from 50 thousand rubles (for the regions of the Russian Federation) or 70 thousand rubles (for Moscow). And although the reviews say that the real income and even the place of work are not always checked by bank employees when issuing a card, we do not recommend lying.
Also, many users complain that they receive a refusal to issue a card for unknown reasons. After 30 days after the refusal, you can try to reapply, some people approve of it.
The best debit cards with cashback of 2019
5. Bank in pocket Standard, Bank Russian Standard
- Pros: there is 5% per annum with a balance of up to 100 thousand rubles, cashback up to 15% from the bank's partners.
- Cons: there are conditions for the accrual of cashback and free annual maintenance, a small network of ATMs across the country.
The top 5 best bank cards with cashback are opened by the offer from the Russian Standard Bank. According to the terms of the RS Cashback program, you will receive an increased 15% cashback for purchases from bank partners, 5% for purchases when choosing 3 out of 7 categories of increased cashback. Among them, new ones appeared in 2019:
- parking;
- car washes;
- car rental
The rest of the purchases are credited with 1% cashback. Payment for housing and communal services with cashback is "not taxable".
Bonus points can be converted into rubles (at a one-to-one rate), but for this you need to accumulate at least 1000 bonuses.
In order not to pay for the service of the card, you need to keep on it or on a savings account (you can open it in parallel with the card) from 30 thousand rubles. And in order to receive cashback, you need to make purchases in the amount of 5 thousand rubles (in total) during the bonus period.
In order to receive 5% PNR in the amount of up to 100,000 rubles, you need to make purchases in the amount of 3,000 rubles in the previous billing period. However, when opening a savings account, 5% per annum is charged already for an amount of 1000 rubles or more.
4. Multicard, VTB Bank
- Pros: up to 6% on the card balance (depending on the amount of monthly spending from the card), free cash withdrawal from ATMs of other banks, cashback up to 10%.
- Cons: there are conditions under which an increased cashback is accrued and there will be free card servicing and cash withdrawals from third-party ATMs.
This is a good debit card with cashback for those who spend 75 thousand rubles or more on purchases at gas stations or in restaurants. Only in this case will the cashback reach 10%. If you spend from 15 to 75 thousand rubles, you will receive only 5% of cashback, and if you spend from 5 to 15 thousand rubles - and even less, 2% cashback in "preferential" categories.
However, there is good news - in the first month of using the card Cash back in the bonus category will be 10%, regardless of the purchase amount.
For other categories (including housing and communal services), you can get from 1% to 2.5% cash back, again, depending on the amount spent.
You can get up to 3000 rubles of cashback per month for priority categories and up to 5000 rubles for others.
Serving the Multicard will be free if you spend more than 5 thousand rubles a month with it. And the same condition applies for free cash withdrawals from ATMs. The commission will be returned in the form of cashback at the end of the month.
3. Debit card, Rocketbank (branch of QIWI Bank)
- Pros: free issue and service (at the "Cozy Cosmos" tariff), interest on the remainder of 5.5% per annum, cashback up to 10% in "Favorite places" and 1% on everything else, a convenient mobile application, the card will be delivered by a courier.
- Cons: only remote service, courier delivery is not available in all cities of the Russian Federation, cashback in "rocket rubles".
This lucrative debit card for cashback and interest on the balance in 2019 offers users a loyalty program, within which they can choose three out of five categories each month (the so-called "Favorite Places"). These are the bank's partners, for purchases from which you will receive an increased cashback. It will be in "rocket rubles", but they can be spent as rubles in a 1: 1 conversion. For example, when you have 3000 "rocket rubles", you can spend it to reimburse goods or services purchased in the last 30 days.
Good news for those who pay for utility services online: for this, Rocketbank also charges 1% cashback.
Five times a month, a Rocketbank card holder can withdraw money from any ATM in any country without commission, up to 150 thousand rubles.
Another undoubted plus of this card is the absence of conditions for the accrual of 5.5% tax. No "spend at least n-tsati rubles" or "keep at least n-tsati rubles on the card", as in most other banks.
There is only one significant drawback - it will take a long time to save 3000 "rocket rubles" to compensate for purchases.
2. Benefit, Home Credit Bank
- Pros: up to 10% per annum for new customers (if you issue a card online before January 15), 10% cashback for entertainment and from selected partners of the bank.
- Cons: there are not branches in all cities, there are conditions under which the card will be free, frequent problems with the Internet bank.
One of the rare debit cards with cashback that returns money for utility bills. True, only 1%, but that's good. The same 1% is returned for any purchases. And for entertainment services (including visits to water parks, cinemas, bowling alleys, circuses, etc.), you will get back as much as 10% cashback.
The annual interest on the balance will be 10 percent if the card has a balance of less than 300 thousand rubles and you make purchases in the amount of 5 thousand rubles or more per month. In other cases, it will be 7%, and if there are more than 300 thousand rubles on the card, then the PNR will be 3%.
The monthly commission for using the card is not charged if the same 5 thousand rubles are spent on purchases (payment for utilities is also considered) or if there is at least 10 thousand rubles on the card.
Another significant plus of this card is the ability to withdraw cash 5 times without commission at any ATM in the world.
1. Tinkoff Black, Tinkoff Bank
- Pros: there is 6% per annum (for monthly purchases of 3 thousand rubles or more), multicurrency card, convenient Internet bank, courier delivery.
- Cons: there are conditions under which the card is free, withdrawal of money from ATMs (except Tinkoff ATMs) without commission - from 3000 rubles.
You can treat the personality of Oleg Tinkov as you like. But we must admit that the brainchild of his bank - the Tinkoff Black debit card - is a very convenient product that allows you to return part of the money spent on various purchases. For a number of categories, cashback is charged at the rate of 1%, and for some preferential categories (you can choose from 3 categories out of 6 on a quarterly basis), an increased cashback is charged up to 5%. Also, various bonuses are constantly offered - profitable offers from partners. And cashback is paid not in "points", "bonuses" or "thanks", but in rubles.
Of course, there are also "pitfalls":
- There are a number of categories for which cashback is not credited. They also include payment for utilities.
- Also, there will be no cashback if the purchase amount was less than 100 rubles.
- When calculating cashback, it is rounded down to the nearest whole number. If the purchases were, for example, for 299 and 399 rubles, then the cashback will not be 2.9 and 3.9 rubles, but 2 and 3 rubles.
- Sometimes purchases are not in the category they should be. For example, you paid with a card at a pharmacy, but counted your purchase as “home and garden”. However, the support service usually meets users halfway in this matter.
- You can get only 3000 rubles of cashback per month for regular purchases and up to 6000 rubles for purchases with special offers.
- Tinkoff Bank has no branches in Russia, with the exception of one single office in Moscow. All communication with support and operations are carried out through the Internet bank. However, as the sad experience of many depositors shows, the presence of many offices does not guarantee that one day the bank will turn into a “trust that has burst”.
To have a debit card with free service, you need to either keep 30 thousand rubles on it every month, or have a deposit in Tinkoff bank in the amount of 50,000 rubles or more, or have an active loan there. However, there is a 6.2 rate that you can ask to transfer to. So far, it is available to everyone, although it was originally considered salary.
In this case, service of the card (except for SMS informing) will be free. What's the catch? The fact that in this case there is no 6% per annum on the balance sheet up to 100 thousand rubles. But this limitation can also be bypassed if, after switching to tariff 6.2, you open a savings account.
Russian banks often change the conditions for their cashback programs. Therefore, before issuing a card, carefully read the information on tariffs and conditions under which you will receive a small but very tasty piece of "porridge".