Top 10 debit cards with cashback

Cashback - the return of a portion of the money spent back to your account. Usually this feature connects to credit or debit cards. Different banks offer their own unique cashback terms. Somewhere it applies to specific categories, and somewhere to all purchases. Depending on the card’s capacity, it is possible to spend the savings: to pay for 100% of purchases in any places or partially in the partner shops of the bank. It can take from several hours to several days to issue a debit card with a cashback. In order not to get confused among the huge number of offers, consider the following factors when choosing cards:

1. Cashback Terms. Pay attention to its size, the possibility of accumulation when shopping in different places, etc. Some banks allow customers to choose their favorite places from which funds will be returned. Others set categories themselves, such as gas stations, travels, cafes and restaurants, etc. The higher the cashback interest, the more profitable it will be to pay for purchases with a card. Another important point - the conditions for the use of the received bonuses. Some banks do not limit the places where you can spend them, others only allow partners to do this.
2. Interest on balance. In order not only to save money, but also to increase your income, some cards have an annual percentage on the balance. As a rule, it reaches 6%. Some offers imply daily accrual of these funds, in other cases payments are made once a month or a year. Also pay attention to the presence of conditions that must be met to generate income on the balance (the minimum amount of expenses per month, etc.).
3. Annual maintenance. Be sure to specify how much is the card maintenance fee per year. For some banks, this amount reaches 5,000 rubles, which may not be beneficial for holders. Also, do not forget to find out whether it is possible not to pay for the service at all. Some institutions, under certain conditions, relieve customers of the obligation to pay for work cards, which is very nice.
4. Commissions. When making a card it is very important to know the conditions for cash withdrawal. Some cards make it possible to do this in any ATM absolutely free, others hold a certain commission. Also pay attention to the interest on online transfers.

We have selected the best deals on debit cards with cashback. The selection took into account the following points:

• availability of a convenient mobile application;
• Internet banking;
• terms of use;
• feedback holders.

Top 10 Debit Cards with Cashback

10 VTB - Multicard

VTB Bank is one of the largest in Russia. He actively develops his business by offering innovative new products, especially debit and credit cards. Many of them are issued by large organizations as payroll.

Debit "Multicard" allows the holder to choose the option every month to which the cashback will apply. All in all, VTB offers seven different options, and of these, five - directly with the return of funds. Selecting “Auto” and “Restaurants” options will give up to 10% cashback. The section "Travel" will be pleased with the return of 5%. The Cash Back option will allow you to receive 2.5% of each purchase, regardless of its type. There is also a category "Collection". In its framework, you get from 1% to 4% depending on the amount of spending. You can also get an additional 11% cashback if you purchase something from the bank’s partners. As another income option, the bank offers the option “Savings”, at which the interest on the annual balance can reach 10% depending on the amount of purchases. If the client chooses one of the cashback options, then his yield on the balance can rise to 6% depending on the expenses. All options take effect when spending on the card reaches 5 thousand rubles. Card servicing is free of charge only if the minimum spending threshold for cashback is maintained. Otherwise, the cost of 249 rubles per month.

Pros: the possibility of transferring the RFP, a good size of cashback to selected categories, a large cumulative percentage, service without commission, the possibility of opening additional cards, free online transfers. Cons: there can be only one option, and you can set it up once a month, cash withdrawals at ATMs of other banks will cost 1%, but at least 300 rubles.

9 Euroset - "Corn"

Card "Corn" releases RNKO "Payment Center". The same company serves the Golden Crown translation system, so you can be completely sure about the reliability. Corn is free even without any conditions. It is easy to connect it not only to the smartphone, but also to the Samsung smart watch to pay without any problems. Cashback for any purchases reaches 3%, and for purchases from partners as much as 30%. Each month, the bank charges up to 6.5% per annum on the balance of money for “Kukuruz”. Interest is paid immediately. Internet-bank "Kukuruza" provides an opportunity to pay for utilities, cellular communication and much more on favorable terms. With the card it is easy to transfer money anywhere in the world, as well as connect a credit limit for contingency. For the convenience of holders, it supports contactless payment systems. "Corn" is useful in travel - all purchases abroad are converted at the rate of the Bank of Russia.

Advantages: free service, simple quick processing, Internet banking, a favorable interest on the balance, up to 30% cashback when buying from partners, the possibility of replenishing the card without a fee, you can get in the Euroset salons within 30 minutes. Cons: not detected.

8 Promsvyazbank - “Your Cashback”

Promsvyazbank is an institution that created a “unique debit product” called “Your Cashback”. The bank offers cashback from 2 to 5% into three selected categories. For all other purchases, 1% cashback is charged.

With a debit card you can get cashback up to 5% in three different sections (offering 2, 3 and 5% return) - a total of 16 categories. For a month, you can get 1500 cashback points for the selected categories and the same amount for other purchases. 5% interest per annum on the balance on the card is also credited with points, but only if you select this option separately, by donating a return. Along with cashback income is not charged. The card can be refilled for free from other cards of other banks up to 150 thousand rubles per month. You can also transfer money free of charge to cards of other banks up to 20 thousand rubles per month. Cash withdrawal is free at Promsvyazbank ATMs and from partners. Card service is free of charge on the condition that you keep at least 20,000 rubles a month on it or make purchases for the same amount.

Pros: high cashback for three selected categories, return of 5% per annum points, the possibility of free maintenance, free transfer to cards of other banks. Cons: free service only from 20,000.01 rubles in spending or storage.

7 Bank Opening - Opencard

Otkritie Bank is one of Russia's strategic institutions. It is actively developing, each year creating new card products for customers. This time, Opening offers an interesting Opencard card with a good cashback of up to 3% for everything.

This credit card allows you to receive up to 3% for absolutely any purchases. This is a fairly high cashback - all products usually try not to return more than 1-2%. To get the maximum return, you need to spend 5000 rubles per month, pay for any goods and services through a mobile bank or an Internet office for 1000 rubles per month, and also store 100 thousand rubles on a card account. For each of these conditions, 1% of cashback will be charged. As much as possible you can get Open Card Bonuses you can compensate for any already perfect purchase, whose price is at least 3000 rubles.

Advantage: it is easy to get 2% cashback on absolutely any purchases, free service, no fees for cash withdrawals through ATM partners, additional privileges. Disadvantage: to get 3% cashback, you need to store 100 thousand rubles, you can compensate for purchases worth from 3000 rubles.

6 OTP Bank - “Everything is possible”

OTP Bank may not be the most famous bank in the country. However, it offers good debit and credit card rates and is truly a reliable institution. In particular, OTP Bank may be interested in the card “Everything can be”, which is able to return up to 10% of expenses to the owner.

This is a great debit for those who have a lot of fun and take a taxi. The card gives a good cashback of 10% in the categories "Taxi", "Cinemas", "Restaurants". For all other expenses, a return of 1.5% is charged. The maximum per month will be 3,000 rubles. This card also copes with cumulative functions. If you keep money on it, you will receive an income of up to 7% on the card account. If you put on the contribution, it will be already 8.5%. Card service will cost 199 rubles per month. Or for free, if there is spending from 30 thousand rubles a month, or if the balance on the card is from 50 thousand rubles. Another option: spending - from 15 thousand rubles a month and the balance on the card as from 15 thousand rubles. The replenishment of the card on the bank’s website, the internet service and the mobile application are free. You can receive cash without commission up to 60 thousand rubles a month, if this limit is exceeded - then you need to pay 1.5% of the amount, at least 150 rubles.

Pros: high cashback on selected categories, the possibility of free service, the removal without commission up to 60 thousand rubles. Cons: a high limit, from which free service starts.

5 Raiffeisen Bank - "# vserazu"

Raiffeisen Bank has been operating in Russia since 1996. During this time, he managed to become a large private bank and develop unique offers in various areas. Here you can get premium service, take out insurance, open a deposit, issue a debit card with cashback and much more.

The card "# vsrazu" differs favorable terms for cashback - from all purchases returns 3.9%. For every 100 rubles spent, 1 point is awarded, and for new customers it is 50 rubles. during the 1st year. They exchange at the rate: 250 rubles = 500 bonuses. The bank also gives free service during the first year after the card is issued. In the future, the fee will be 1,490 rubles. When withdrawing cash at partners' ATMs, the commission is not charged, in other cases it is 1% of the amount, but not less than 100 rubles.The problem with the card is that you can redeem points only for certificates in the form of a refund, air travel, taxi or online shopping. And at the same time, conversion is no longer at the rate of 3.9%, but much lower - from 1.67 to 3%, depending on the certificate. But there is a percentage of the balance - income will be at the level of 5.5% per annum.

Advantages: registration in one day, favorable conditions for cashback, free service for new customers, good reviews. Disadvantages: you can not get cashback in "cash money", only points for the purchase of certificates.

4 Vostochny Bank - "Map №1"

The bank, founded over 20 years ago in the Far East, now has offices in many cities of the country. The product line includes interesting offers on loans, insurance, debit and credit cards.

The name "Map number 1" speaks for itself. East Bank offers really favorable cashback terms and other nice bonuses. For each purchase in any store you will receive a 1% refund. There are three selected categories with increased cashback: if you buy a product or service in them, you will receive 5% of the money back. You can also get promotional cashback: some partner stores return up to 40% of the value of the goods to the buyer! But for this you need to make a purchase online using the card. You can also receive income on the balance of funds in the amount of 7% per annum. But for this you need to make at least 5 thousand rubles of spending per month. If you do not meet the minimum, the income will be only 2%. When withdrawing cash at own ATMs, the commission is not charged, in other places the same conditions apply to withdrawals of at least 3000 rubles. Free servicing of the card can be obtained in two cases: if you do not use the card at all and do not keep money on it or if you keep the minimum balance on it for at least 30 thousand rubles. The service is also free for payroll and retirement clients. Otherwise, you will have to pay 99 rubles per month.

Pros: the possibility of issuing a children's card, unlimited cashback, very profitable promotions, free service when not using or receiving a salary. Cons: paid registration.

3 Sberbank - “Card with big bonuses”

Sberbank is the largest and most popular bank in the Russian Federation. It covers the entire segment of banking products, including mortgages, insurance, deposits, investments and, of course, debit and credit cards. It is debit cards that deserve special attention, since there are various types in the assortment for each category of the population (pensioners, travelers, students, and so on).

The “card with great bonuses” allows its holders to return 10% of the cost of fuel and taxis (Yandex.Taxi and Gett), 5% of bill payments in restaurants, 1.5% of purchases in supermarkets and 0.5% of the rest. Refunds are in the form of bonuses "Thank you." They can be used only with partners, among which are: OZON, MTS, major appliance stores, etc. You also get good discounts on Avis car rentals, luggage packaging from PACK & FLY and more. There will be no problems with cash withdrawals and online transfers. Sberbank ATMs are at every step, and the transfer to third-party bank cards is often interest-free.

Advantages: convenient mobile application, big cashback, round-the-clock support. Cons: bonuses can be spent only in specific places, they can not pay 100% of the purchase, expensive annual maintenance (4900 rubles).

2 Tinkoff Bank - Tinkoff Black

Bank Tinkoff offers its customers favorable terms for loans, debit and credit cards, mortgages and other important products. It does not have its own ATMs and branches. Everything happens online, which significantly saves customers time.

The Tinkoff Black debit card allows its owners to choose categories for which purchases in which 5% cashback will be credited. Among them: home repair, music, pharmacies, entertainment, fuel, etc. At the same time, all other costs are guaranteed to return 1% bonuses. In the future, they can compensate for already made purchases. Pleases inflated cashback for purchasing something from partners: you can get up to 30% return. Top up your card account for free by any means, just like cash withdrawals. As part of the campaign for clients, the income on the balance of the debit card is 10% until the end of the summer of 2019. After that, he will return to the standard 6%, if Tinkoff does not make any more action. According to Global Finance, Tinkoff Bank's mobile application is considered the best in 2018: it deserves the Best Digital Bank Award 2018. It is really convenient to make transfers, pay for various services, etc. The process of issuing and issuing a card takes only two days, and as a result, the employee delivers it directly to your home. You can not pay for the service if you keep at least 30 thousand rubles on the card or have a deposit in Tinkoff Bank. Otherwise, you will have to spread 99 rubles per month.

Advantages: a good percentage of the balance, the ability to independently choose categories for cashback, regular shares from partners, free service, online transfers without commission, the simplest financial management through the application. Cons: high threshold for free maintenance.

1 Alfabank - CashBack

The largest private bank in our country is Alfabank. Created over 25 years ago, it attracts the attention of customers with its interesting offers. Here you can get a mortgage, consumer loan, make a contribution and much more. The bank is also actively developing a line of debit cards, offering excellent conditions for cashback and interest on the balance.

The CashBack card will be a great way to save money for car owners. Refueling at the gas station, you get 10% of the money spent back into the account. For lovers of tasty food, the bank provides an opportunity to pay bills at restaurants in a profitable way - 5% of their value will return in the form of bonuses. Cashback of 1% applies to all other purchases. Making the card is simple, just enter the data. The maximum refund amount depends on the amount of expenses. If you have spent 10 thousand rubles and more, then you will be given a maximum of 15 thousand rubles of return, 5 thousand each in the categories of “gas stations”, “Cafes and restaurants”, “For everything”. But in this case, the percentage of cashback is cut in half. A full-fledged cashback relies on spending from 70 thousand rubles. The most beneficial card becomes when buying a package "Premium": as soon as you leave the stores 100 thousand rubles, you can get up to 7 thousand in each category, in total up to 21 thousand rubles. To achieve free service is simple: it is enough to keep 30 thousand rubles on the account or buy something for 30 days for 10 thousand rubles. Otherwise, you will have to pay 100 rubles per month.

Advantages: big cashback on some categories, round-the-clock support of experts, convenient application on the smartphone, best reviews, profitable% for the rest. Disadvantages: when spending up to 70 thousand rubles, the return is trimmed, and to get it you need to spend at least 10 thousand rubles.

Which bank debit card do you choose for cashback?
We vote!

Alfa Bank

Tinkoff

Sberbank

East Bank

Raiffeisenbank

Touch bank

Opening

VTB

Euroset (Corn)

OTP Bank

Promsvyazbank

Total voted: 100

Vote results