Bank card with cashback and interest on the balance: an overview of the best offers

To date , bank cards are very much in demand. They can be credit and debit. Each of them offers its own opportunities. A bank card with a cashback has its advantages. They are offered to issue various banks.

What it is?

Banks in a highly competitive environment offer customers the maximum profit. To attract new individuals, financial institutions offer a cashback service. It involves refunding money for purchases. But how does it 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 on 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 bank card with cashback functions in the same way as in other countries.

Features

Purchases on a bank card with a cashback are very beneficial if you make them on a regular basis. It is enough to monitor the conduct of the shares. Buyer funds can be returned from acquisitions in:

• Shopping centers;
• Online stores;
• Online offices.

Banks offer cashback in the form of:

• Bonuses, allowing to pay off at partners;
• Rubles transferred to the account;
• Miles for paying for plane or train tickets.

A bank card with a cashback is the same as a standard debit card. It is very easy to use. The client only needs to monitor the shares of the organization. Usually financial institutions cooperate with shopping centers and provide discounts on goods. Customers can control the accrual of bonuses. A review of bank cards with a cashback will allow you to choose the most acceptable option.

Tinkoff Bank

This is one of the largest banks. Feature is the receipt of banking products by customers remotely. The company does not have offices, and all applications are processed through the Internet. The card can be ordered in a few minutes, by courier.

"Tinkoff Bank" offers 12 debit cards with a cashback. Each of them has its own bonuses. More advantages with the Tinkoff Black card. There are 3 types of promotion:

• 5% - purchases in online stores;
• 1% - regular purchases;
• 3-30% discount on online purchases.

Annual service costs 99 rubles. And if the deposit amount is less than 30 thousand rubles, then this service is free. No fee for SMS notifications. Interest is accrued on the balance: 7% (ruble account) and 0.5% (foreign currency). This is a bank card with a good cashback. It is necessary only to constantly monitor the availability of shares and proposals.

"Alfa Bank"

The organization is a universal bank offering various services. There are 43 debit cards. This variety allows each client to choose something suitable. The application can be issued through the website. All cards have a bonus for non-cash transactions.

Particular attention should be paid to the product Cash Bach. With it, the user receives:

• 10% - from purchases at the gas station;
• 5% - payment in a cafe;
• Up to 15% - discounts on shares.

The minimum level of return per month does not exceed 5,000 rubles. Annual service costs 1,200 rubles. SMS-notification is provided free of charge. 7% is credited to the account balance. Card users get access to Alfa-Clicks, with which it is possible to pay for services, open an additional account and transfer funds. Find answers to the questions you are interested in in the support service. This is a profitable bank card with a cashback and interest on the balance.

"Rocket Bank"

The organization is one of the first virtual banks, which was designed as a convenient mobile offer that allows you to use financial products. In 2016, "Rocket Bank" was bought by the bank "Otkrytie".

Not too many banking products are offered. But there is a debit card "Discovery-Rocket", which has already become popular among people because of its advantages. With each purchase, up to 10% is returned to the account, and it does not matter which store is purchased. Pay for annual maintenance is not necessary, and SMS-notification costs 50 rubles a month. The balance is charged 8% per annum. Not all people can receive such a card, because they are delivered only to some large cities.

Sberbank

The Savings Bank is one of the largest. He is considered the leader in the banking sector. This company has many branches around the country, a large number of customers, convenient service and quality service. Customers have access to a variety of banking products and attractive conditions.

Each bank card with a cashback from Sberbank has a different status and conditions. There are 10 offers in total. Platinum Visa card allows customers to enjoy many benefits. Bonuses are awarded in the form of "Thank you":

• 10% - payment at gas stations;
• 10% - services of "Yandex.Taxi";
• 5% - cafes and restaurants;
• 1,5% - supermarkets;
• 0,5% - other purchases.

Service for the year costs 4,990 rubles. You do not need to pay for the SMS-notification. There is no service for calculating interest on the balance. Bonuses are transferred for each purchase. You can pay bonuses from partners. Under the contract, 1 bonus is 1 ruble.

"Opening"

The bank has been operating since 1995. Only in 2016, customers were able to use cards with cashbacks. The bank product has the name "Smart Card". Anyone can apply for it remotely. The following advantages are provided:

• 10% - for promotional products;
• 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 is spent more than 30 thousand a month, then it is not necessary to pay for annual maintenance. Otherwise, the service fee will be 299 rubles per month. SMS-notification costs 59 rubles a month, 7.5% is charged for the balance. This banking product is ideal for those who make many purchases. You can withdraw cash only 150 thousand rubles a month.

Binbank

The organization has been working for 23 years. Customers can use the "Binbonus" loyalty program. A commercial bank provides a bank card with a cashback for purchases. You can order it online. The return is 5% for goods and services of a certain category and 1% for other purchases.

Annual service costs 450 rubles per month, but if you pay for the year immediately, then 4 500 rubles. Nothing to pay will not have to with a daily balance of 100 thousand rubles. There are no fees for SMC notification. If the remainder is from 750 thousand rubles, then 2% is charged, and for a smaller amount - 6%.

Promsvyazbank

It is a large bank with a developed branch network. Retail business servicing has been actively implemented since 2005. Customers are offered an All Inclusive card. On it is charged:

• 5% - for fuel at gas stations;
• 5% - on clothes and shoes;
• 5% - tickets;
• 5% - goods for the house;
• 3% - goods in supermarkets.

A maximum of a month may return 1 thousand rubles. Annual service costs 1,500 rubles per year. In the future, there will be no payment, if for the past period the balance was 50 thousand rubles. For SMS-notification fee per month is 29 rubles. Interest on the balance is not accrued.

"Corn"

The debit card is issued by OOO RNKO, and the distributor is Euroset. On the plastic there are 2 logos: "Golden Crown" and Master Card. The card allows you to make various payments, make transfers, buy currency.

When paying for goods and services, the customer is charged 0.5-3% of the purchase price. Bonus points accumulate, and then they can be spent for purchase in Euroset, as well as with partners. Annual maintenance and SMS-notification are free of charge. It is possible to receive interest on the balance - 10% (with a balance of more than 30 thousand rubles) and 7% (less than 30 thousand).

"Connected"

The company offers customers a universal card with a cashback service. Points are awarded for each purchase. After the card is issued, 200 bonuses are given as a gift. For purchases, up to 20 points are transferred.

Annual service of the standard card costs 600 rubles, and nominal - 300 rubles. For SMS-notification in the 1st month there is no fee, and then - 50 rubles. The card is charged 10% per annum, if the permanent balance is equal to not less than 10 thousand rubles. You can pay for points from partners, among which there are many different stores.

Raiffeisen Bank

A debit card is a convenient payment tool that allows you to earn discounts. With it you can receive cashback and participate in promotions. You can issue a card "ALL-TIME", which will be very convenient to use.

For purchases points are awarded: 1 bonus for 50 or 100 rubles. On the birthday comes another 500 points. The limit per year is 40 thousand bonuses. Annual service costs 1 490 rubles, and SMS-notification costs 60 rubles from the 3rd month. There is no interest accrual on the balance.

"Megaphone"

Bank card "Megaphone" with cashback though appeared not so long ago, but has already become in demand. Many advantages are provided with it. The phone bill is the same as the card balance. With these money you can pay for goods and services. The balance is charged 8% per annum. In order to receive income, you need to perform at least one operation per month.

Cashback from Megafon's partners reaches 50%. The card is issued on the day of appeal. You just need to contact the Salon of Communications. Registration takes 10-15 minutes. You can attach several cards to one account.

Before you make a card, you need to choose the right product. It is important to pay attention to the money back. Usually banks transfer them in the form of bonuses, miles, points. Therefore, you first need to find out what exactly will be charged and how it will be used.

Cashback is not provided for all purchases, but for purchases in partner stores. Their list can be found on the bank's website. Only with this treatment can you make a profit. Each bank offers to exchange points for something specific, for example a discount, real rubles, services. Many institutions charge a maintenance fee. If the card is rarely used, then a minimum fee should be chosen.

The rating of bank cards with a cashback will allow you to choose the most acceptable option for yourself. Such cooperation is beneficial to all: the user receives bonuses, the bank - payment for the use of services, and partners - new customers. Therefore, if the conditions are favorable, you can make a bank card.