More recently, I had only 2 plastic bank cards. But the main purchases still made in cash. So it seemed to me easier and more reliable. But time passes and I had to reconsider my position.

One of the main reasons is the return of part of the money for card purchases or cashback.

In the end, it turned out to be so contagious (in a good way) that I already have several cards that bring me certain benefits.

But time does not stand still and more and more new banking products come out with various attractive conditions. So I am constantly on the hunt for profitable bank cards with a high cashback.

Hunt for cash back

How to choose a cashback card

What should you pay attention to when choosing a card?

It seemed like a simple question. If we are looking for a card with a good amount of cash back, then it is logical to assume that the more the better.

But there are several other parameters that affect the so-called "profitability" of the card.

Cash back size

We look not only at the interest on the return, but also for what they give. The card can have a high percentage of fees for purchases in certain categories (usually not particularly popular) and a mediocre or even low percentage for other purchases. Or average, but in almost all categories.

Therefore, before choosing a card, you need to at least roughly understand the nature of your spending: what and how much you spend money on.

List of exclusions

There are transactions for which money is not charged. At all. Each bank has its own exclusion categories. This can be utility bills, gambling, topping up your phone balance or paying for Internet services. For some banks, the list of excluded categories can be quite impressive. And in practice, a card with a high declared percentage of return will be less profitable than a regular one, which gives a modest KB, but for almost everything.

Refund

Cashback can be credited with real money. Or various bonuses, points, miles (they are also called candy wrappers). You can spend which only in certain places (shops) or compensate for purchases. Or the opportunity to use cash back is given only when a certain amount is accumulated.

The amount of cash back received is always limited by a monthly limit. It can be 5 thousand or even only 500 rubles.

Based on Frank Research Group calculations, RBC made a calculator that allows users to choose the best cashback cards based on their individual preferences

At the request of RBC, the research company Frank Research Group has compiled a rating of bank card programs with a cashback function. These programs involve the return of part of the funds spent on the card. According to FRG CEO Yuri Gribanov, cashback cards are beneficial at any time, especially during a crisis. At the same time, it is difficult for consumers to understand the numerous programs of banks, he believes.

To make it easier for them to choose, FRG experts analyzed both debit and credit cards of the largest banks across their portfolio of credit cards and deposits. For all 40 offers of banks, the benefit was calculated: the amount of cashback minus the costs of servicing the account (for more details on the calculation method, see the inset).

Aleksandra Shkalkova, Head of Loyalty Program Research at Frank Research Group, while working on the rating, noted that it is impossible to unambiguously choose the most profitable cashback card for all customers. “The key role here is played by the volume of the client’s spending on the card and the structure of his expenses, in other words, the features of his financial behavior,” she said.

Therefore, based on FRG calculations, RBC decided to make a calculator that allows each reader to compile their own rating of cards with cashback. In order to use it, you must specify the monthly salary transferred to the card. By default, the amount of expenses on the card is 30% of this amount, which, according to the Central Bank, is the average for non-cash transactions with cards of private clients.

But if you wish, you can specify any amount of card payments - then the calculation will be based on this amount. For more accurate results, you can define the structure of expenses in five categories - from supermarkets to travel - and indicate the balance on the card at the end of the month (see calculator).

Personal approach

We analyzed the structure of spending on the map of three real people with different income levels (see infographic). For example, a personnel department specialist from Moscow with a salary of 65 thousand rubles. monthly spends 47.5 thousand rubles on the card. Most of the spending goes to supermarkets - 30%. For such a person, the MTS Bank card with the MTS Money Deposit loyalty program became the most profitable among debit cards according to our calculator. For the year, the net benefit from it can be 14,992 rubles.

Deputy Chairman of the Board, head of the retail business of MTS Bank Eduard Issopov notes that this loyalty program is part of the bank's strategy and is one of the key ones for customers. With this card, it is possible to accrue interest on the balance of funds - 7.5% per annum. In addition, the program makes it possible to choose the accumulation of points or cashback in the amount of 3% of non-cash turnover when connecting additional options.

The second and third places in the personal rating of the personnel officer are occupied by Credit Europe Bank and Russian Standard Bank. “We strive to offer our clients transparent and understandable program conditions, no additional restrictions, advantageous offers from the bank and our partners,” says Evgeny Lapin, First Deputy Chairman of the Board of Russian Standard Bank. According to him, the bank focused on the RS Cashback program. The base rate for this program is 1% on all purchases, with no limits on the amount. “Also, as part of ongoing promotions by category, customers receive 5% cashback,” says Lapin.

The most unprofitable program for this client will be UniCredit Bank's "Golden" service package. An employee of the personnel department with a salary of 65 thousand rubles. per month will lose 306 rubles. in the first year of using the card of this bank with cashback. The fact is that the cost of maintaining Gold and Platinum cards is usually higher, and in order for such programs to become profitable, customers need to spend more money on cards. The press service of UniCredit Bank explained that the Visa/MasterCard Gold+ card is targeted at high-income customers, people who actively use bank cards to pay for purchases in supermarkets and restaurants. “MasterCard Gold\MasterCard World cards are focused on the Mass Affluent segment, that is, for customers with a salary of 100 thousand rubles or more. and above,” says the head of the department non-credit products of Raiffeisenbank Damien Leclerc.

According to one of the authors of the study, Alexandra Shkalkova, thus, some seemingly attractive and widely advertised offers may actually turn out to be less profitable for a certain segment of users than little-known loyalty programs.

Using the RBC calculator, you can also evaluate the attractiveness of loan programs with cashback. Benefits from their use were assessed separately. With the help of these programs, banks encourage customers to spend borrowed funds on cards more actively, says Evgeny Lapin, First Deputy Chairman of the Board of Russian Standard Bank.“We observe that customers using the RS Cashback (credit card) program increase card turnover by an average of 5-10%,” says Lapin.

Selection principles

The main principle of choosing a product with cashback is not to issue a card that is too expensive, if the same benefit can be obtained with a classic card, advises Shkalkova. In her opinion, the availability of free account and card maintenance is also an important point.

Also, when choosing a card with the possibility of a partial refund, the client should pay attention to the presence of a one percent cashback on all purchases, Shkalkova notes. It is also important to have categories with increased cashback, for example, a five percent refund for certain categories. “It’s good if these categories are big enough, like ‘shopping’ rather than ‘homeware,’” she explains.

Lidia Kashirina, Director of Retail Products Development at Rosbank, confirms that in order to choose the right card with cashback, the client needs to pay attention to the list of categories covered by the refund, to study the list of exceptions.

Petr Popov, Head of the Department for Portfolio Management and Development of Plastic Cards at Credit Europe Bank, believes that in addition to the maximum amount of cashback, the client should carefully read all the conditions for servicing the card and commissions. “Sometimes the conditions for paying out cashback depend on the activity of using the card and even the size of the monthly account balance,” says Popov. “If you cannot meet these conditions, then you will not receive the expected benefits from using such a card.”

Finally, it is worth remembering the limits of accruals per month. This moment is important for those who spend more than 50 thousand rubles on the card. per month. “In order not to run into the “ceiling” for cashback payments, it is important either to initially choose high accrual limits, or to consult the bank about the possibility of increasing this ceiling,” Shkalkova advises. Despite the fact that all these parameters are taken into account in our calculator, we advise you to pay attention to all the terms of the agreement when concluding an agreement with a bank.

How to spend money and save at the same time? The best debit cards with cashback and interest for the rest of 2019 will allow their owners to return part of the funds spent on the purchase of goods, payment for services, return back to the family budget.

Debit card Alfa-Bank "Cash back"

Alfa-Bank offers debit cards "Cash back" with a generous cashback. Customers are returned 10% money spent at gas stations and 5% the amount of purchases made, payments.

Generous bankers are waiting for the same generous clients. Therefore, for persons who hold more than 300 thousand rubles, the service is free. If citizens have a smaller balance, they pay an annual fee - 1200 rubles.

Other benefits of using the card are:

• accrual 7% per annum for the balance;
• annual cashback amount - up to 36 thousand;
• option "Mobile bank";
• Possibility to connect the "Comfort" package for 499 rubles per month.

You can order a banking product:

• by filling out an online form on the Alfa-Bank website;
• leaving an application at the bank branch.

Gold card for profitable purchases from SKB-bank

In its line of banking products, SKB-Bank introduced debit cards with money back for purchases. The "Golden Card for Bargain Purchases" offer is designed for people who buy goods and services not only in Russia, but also in foreign countries.

Only 100 rubles per month, the client gets the opportunity to return 1% the amount spent in domestic stores, or 3% from foreign purchases. The money is returned to the client at the end of the calendar month in which the goods were purchased.

The citizen is also provided with:

• maximum monthly cash back amount – three thousand;
• free account maintenance;
• free issuance/replenishment of the card;
• commission for cashing out funds at ATMs, through the cash desk of SKB-bank - 0,1% from the withdrawn amount;
• fees for withdrawing money from third-party ATMs – 1% from the sum;
• free sms-informing.

If the purchased item is returned by the buyer to the seller, then the purchase price is deducted from the amount that bankers take into account when calculating the size of the cashback.

Anniversary MasterCard WORLD card from Moscow Industrial Bank

Debit cards with cash back from the Moscow Industrial Bank are multicurrency. Clients can open an account in dollars, rubles, euros. Users who pay with the MasterCard WORLD Anniversary Card are entitled to receive a refund:

• 5% from the amount spent in cafes, restaurants;
• 1,5% from other expenses.

Other conditions for using the debit option:

• 5% if on the card from 15 thousand to 100 thousand, And 8% if on account more than 100 thousand rubles;
• free sms alert;
• access to the "Mobile Bank" functionality;
• service - 1990 rubles annually;
• replenishment - free of charge at ATMs and branches of the Moscow Industrial Bank;
• automatic participation in discount programs initiated by bankers.

Debit offer "VTB24 Impressions Card"

VTB24 Bank has developed two versions of such a card: gold and platinum. Depending on the choice, the consumer can save from 1% to 5% of the amount of their purchases. Let's consider each type in more detail.

The owners of the gold debit option are offered the following conditions:

• 3% cashback when paying bills in cafes, bars, restaurants;
• return 1% when making other calculations;
• monthly cashback limit - 15 thousand;
• service - 0 rubles;
• issue fee - 300 rubles.

Persons who liked the platinum "VTB24 Impressions Card" receive:

• return 5% from funds paid in cafes, bars, restaurants, when buying tickets to a cinema, theater;
• return 1% the value of the purchased goods;
• free card service;
• issuance/reissuance cost – 500 rubles.

Through VTB24 ATMs, users cash out money for free, at ATMs and branches of other banks, the commission is - 1% from the withdrawn amount, but not less than 200 rubles.

Student card from MTS Bank

Not deprived of the attention of bankers and youth. MTS Bank offers a student card. The conditions for using such a banking product are as follows:

• 3% - cashback in the first three months of using the card;
• 1,5% - cashback, which was set to the bank after three months of use;
• service - free of charge;
• release - 0 rubles;
• support for PayPass technology.

These debit cards with cash back in 2019 can be received by citizens:

• aged 18-24 years old;
• presented a Russian passport;
• provided a student ID card or a record book.

You can get a card in MTS salons or bank branches.

Card Tinkoff Bank "Personal Finance"

Option "Personal Finance" - Tinkoff multicurrency card. Consider the "ruble" instance. The amount of cashback depends on the type of payment transactions in which the card is involved:

• 5% - for the selected categories, they are determined by the applicant using the "Mobile Bank" functionality;
• 1% - charged for other purchases.

The card is covered by the Tinkoff Black banking loyalty program. The holder of a debit copy of "Personal Finance" automatically participates in the promotions of Tinkoff Bank and its partners. The amount of cashback in such cases can reach 30% .

Other conditions for using the card:

• service - 99 rubles monthly;
• maximum refund amount 3 thousand monthly;
• accrual of annual interest on the balance - 8% if there is at least one purchase per month for the amount more than 3 thousand if there was no such purchase - accrued 4% .

Client card from Rosgosstrakh Bank

The client in the banking branch of Rosgosstrakh Bank will spend the maximum on issuing and receiving a card 15 minutes. This is an instant issue cashback card:

• 3% - in case of settlement transactions in outlets of a special category (the client receives a list of them when issuing a card);
• 1% - when paying for goods at other points.

When determining the amount to be refunded, only purchases over one hundred rubles are taken into account. Financial transactions for account replenishment, money transfer, cash withdrawal are not taken into account.

The money is returned to the client until the 15th month following the month in which purchases were made.

The Client Card holder receives:

• free service;
• free access to the "Mobile Bank" functionality;
• the opportunity to participate in bonus programs.

Settlement card of Binbank "All inclusive"

Binbank returns the owners of the debit option "All Inclusive" up to 5% money spent. You can pay by card anywhere in the world. The amount of cashback depends on the type of purchases:

• 5% - for goods of a user-defined category;
• 1% - for acquisitions of other categories.

One of five categories is available to the user for activation as a "priority":

• travel - spending on the purchase of tickets for transport, car rental, payment for hotels;
• health, beauty, sports - payment for services in beauty salons, gyms, medical institutions, pharmacies, cosmetics stores;
• recreation, entertainment - expenses related to leisure (payment for restaurants, cafes; tickets for concerts, cinema, theaters, exhibitions);
• auto - payment for services related to the maintenance of vehicles (gas station, car service, car wash);
• online shopping - payment for goods online stores.

When the monthly amount of expenditure transactions exceeds half a million rubles, bankers charge:

• 6% - balance amount less than 750 thousand;
• 2% - if on account more than 750 thousand.

Smart Card of Otkritie Bank

It is incorrect to compare the debit cards with cashback 2019 discussed above with a Smart Card. Since the specialists of Otkritie Bank have established their own algorithm for determining the amount that is returned to the client. Its size depends directly on how much the buyer spent money:

• up to 30 thousand- returns 1% funds spent;
• more than 30 thousand – 1,5% .

This is how bankers motivate customers to use their cards more often in settlement transactions and receive a large amount of money as a reward as a cashback.

Other conditions for using the debit copy:

• validity - 4 years;
• accrual of annual interest on the balance - 7,5% if the amount of purchases exceeds 30 thousand rubles;
• SMS informing - 59 rubles monthly;
• service - 299 rubles monthly, with expenses more than 30 thousand- for free.

JCB Standard offer from Sviaz-Bank

Sviaz-Bank offers applicants JCB Standard cards. When using the latter to pay for goods, its holder will be returned 1% spent funds.

Owners use the JCB Standard under the following conditions:

• validity - 3 years;
• free mobile banking;
• SMS banking - 60 rubles monthly;
• SMS alert - 10 rubles monthly;
• first year service 250 rubles;
• service for the second and subsequent years - 500 rubles;
• daily withdrawal limit - 30 thousand.

JCB Standard holder participates in all promotions and loyalty programs of the bank.

The development of non-cash payments by bank cards makes most banks compete for a client. In this regard, many credit institutions in the struggle for the client are trying to keep up with the times and offer not only service, but also favorable conditions for their payment cards. The trend of the last few years is cards with cashback for purchases.

In this review, we'll look at best cashback cards (credit and debit) in 2019. From the rating below, everyone will be able to find a suitable card for him and start not only spending money on his purchases, but also returning some of the money back. A review article will help answer the question: Where can I get a cashback card?«.

How to choose the best cashback card

When choosing a credit or debit bank card with cashback, you need to pay attention to several criteria. The importance of this or that criterion for each person is different. How beneficial it will be for you depends on the correct choice of the card.

Criteria to pay attention to when choosing a payment card with cashback:

1. Cashback size. Perhaps this is one of the main, and maybe even the main factor when choosing. Strong competition among banks forces them to set cashback up to 50% on their cards. But these are single shares. On average, banks now attract customers with 10-15% cashback.
2. Service cost. Also a very popular criterion when choosing a card. Not everything that is free is always beneficial. Sometimes it makes sense to issue a card with 10% cashback and a service fee of 1000 rubles than a free card with 1% cashback. Keep in mind that the increased cashback for purchases easily “beats off” the cost of servicing the card.
3. Cache return type. Now, many banks offer not pure cashback, which is paid to you in the form of real money to a card account, but in the form of bonus points that can be turned into money by compensating for any non-cash purchase. For example, you have accumulated 1000 points, which are equal to the same amount of rubles. You made a purchase for 1000 rubles on the card and you can return the money instead of this purchase. That is, go to the Internet or mobile bank and opposite this operation, choose "compensate" with bonus rubles. And almost immediately you will be credited to your card account the corresponding amount of rubles. That is, this is the same cashback, but only to receive it you need to exchange points for rubles. There is nothing complicated here, so this should not discourage you from choosing this option.
4. Accrual categoryCASHBACK. Banks give the largest percentage of cashback for purchases in certain categories or specific stores (categories may change every month). Cashback in this case can reach up to 50%. The most popular now are cards with cashback at gas stations and for groceries. Some banks, on the contrary, give 1-3 percent for all purchases, regardless of the category. Which card to choose? Everyone should decide on their own, and even better, just issue 2-3 bank cards so that you can use them for shopping in various categories of stores. Then you will earn much more on cashback.

1. Credit or debit card. You can issue a cashback card with both a debit and a credit limit. It should be borne in mind that cashback with credit cards is always much more profitable than with a debit card.

So, now you know how to get the most profitable cashback card and what to look for. And then consider the question: "Where to apply?".

The best cashback cards in 2019

Now it’s worth moving from theory to practice and consider the rating of the TOP best cashback cards in 2019. We recommend that you carefully read their descriptions and read more detailed information, which is provided by the links after the description.

Russian Standard Platinum - the most profitable credit card with cashback for purchases

One of the best bank cards with cashback for purchases, in terms of profitability, can definitely be called a card product from Russian Standard Bank - a PLATINUM credit card. This is a relatively new card that only appeared in 2017, but has become very popular in a few months. Let's look at the main parameters of the card, thanks to which it ranks first in the ranking of TOP cards with cashback.

Terms of the Platinum card from Russian Standard:

• Low maintenance fee- 590 rubles / year.
• Free withdrawal of cash loans.
• Cashback up to 15% for all purchases from bank partners and 5% for purchases in three selected categories. These categories can be selected quarterly in your personal account.
• Cashback 1% is credited on any purchases, for which they do not give 5 and 15%.
• Cashback is credited in the form of points to a separate bonus account. In the future, these points at the rate of 1 to 1 can be transferred to the card account or to another bank. That is, just one click to turn them into cash.

ULTRACARD debit card from Sviaz-Bank with up to 10% cashback

Relatively recently, Sviaz-Bank presented its new product for customers - the ULTRACARD debit card. Naturally, as expected, a debit card allows you to receive cashback for making purchases with a card in certain categories. And let's say right away that this cashback is very, very interesting - up to 10%.

What are the benefits of a debit card

• The card provides a choice of 1 category, where you can get an increased percentage of "porridge". You can choose from 4 categories: Taxi; Car services and gas stations; Restaurants; Entertainment and leisure; Sports goods and activities; Childen's goods.
• Increased cashback percentage in this category depends on the monthly amount spent on a bank card - 5% for spending up to 10 thousand rubles, 7 percent - from 10 to 30 thousand rubles, and above this amount, 10 percent of cashback is given.
• For all other purchases stable 1 percent cashback return.
• If you store on the card from 30 thousand, then the bank accrues 5% per annum on the balance.
• Card service will be free, if you spend monthly on it from 10 thousand. Otherwise 149 rubles.
• Also, there are no commissions for withdrawing funds from the card and for SMS informing!

Conditions and application for a debit card in Sviaz-bank

Also possible Visa Premium credit card with the same categories, but for a credit card, the maximum cashback is 7%. But without conditions on turnover. You can return up to 5000 rubles per month in the form of cashback.
Application for a credit card with cashback in Sviaz-Bank

Cashback credit card of Vostochny bank

Are you looking for the best cashback card? Then pay attention to the card product of Vostochny Bank - a credit card with the uncomplicated name "Cashback".

A credit card differs from all the others in that it allows you to choose not just cashback categories, but “whole” bonus programs that exist today in the bank.

You can connect one of the following options to a credit card:

1. Behind the wheel. It gives you the opportunity to earn 10% at gas stations, 3% for taxis, car sharing, parking and traffic police fines. For all other purchases - 1 percent per annum.
2. Rest. 10% cashback for cinemas and theaters, 5% for cafes, restaurants and bars, and 1% for all others.
3. Warm. 5% for utilities, pharmacies and public transport. 1% cashback for everything else.
4. Online shopping. A ten percent cashback is credited for purchases of movies, music and books, and a five percent cashback for payments in online clothing stores.
5. All inclusive. For those who cannot decide what will be beneficial for him, he can choose this option. Then you will receive 2% "porridge" for all purchases on the card.

Issuing a card costs a one-time fee of 1,000 rubles, and you do not have to pay for servicing the card. You can get a card at a bank branch, after sending an online application. You can fill out the questionnaire and find out the answer at the link below.

Debit and credit card with cashback up to 10% from Rosbank

VISA card #MozhnoVse allows the client to independently choose what he is interested in receiving: cashback from each purchase with real money or travel bonuses that can be spent on buying air and railway tickets, booking hotels and cars on a special website of Rosbank.

If you choose the cashback option by card, you will be able to receive from 1 to 10% of the purchase amount in one or several categories: “car enthusiasts”, “children”, “pharmacies”, “cafes and restaurants”, “beauty”, “taxi and urban transport", "goods for the house". The percentage of cashback depends on how much you spend per month on the card (the largest cashback if you spend from 80 to 300 thousand rubles on the card). For all other purchases on the card, 1% Cashback is charged. For those who choose the opportunity to accumulate travel bonuses, they will be able to receive up to 5 bonuses for every 100 rubles (it also depends on how much you spend on the card per month). But definitely, the card is interesting and profitable if you make purchases of more than 50-80 thousand rubles using it.

You can apply for a debit or credit card. Traditionally, banks give the most favorable conditions for accruing cashback on credit cards.

The cost of debit cards starts from 199 rubles, depending on the status of the package within which the card is issued. You can easily avoid paying this fee by simply fulfilling one of the free conditions. Annual service on a credit card is only 890 rubles.

We recommend that you familiarize yourself with the card in more detail at the link below and leave a request for a card so that a specialist from the bank will call you back and tell you intelligibly about it, and you could ask him questions. And after that make your decision.

Alfa-Bank CashBack - maximum cash back at gas stations and restaurants

If you have a car, or maybe more than one in the family, then the most suitable option for a cashback card for you will be a credit or debit Alfa-bank with cashback accrual for purchases at gas stations and payment of bills in restaurants. The product of the bank and the name has the corresponding -.

With the Alfa-Bank CashBack card, the refund from gasoline purchases will be as much as 10%, and restaurant bills will become 5% cheaper. For all other expenses on the card, you will receive 1 percent, which is also not bad. Agree that these are very favorable conditions?

As a family person, you can also issue an additional card at a reduced price, which will be tied to one account, which will allow you to return cashback to all family members. And if you are a modern person using contactless forms of payment, VISA Paywave and MasterCard PayPass with Alfa-Bank cards will come in handy.

Interesting Alfa-Bank cards with cashback for purchases:
- another profitable debit card with cashback and interest on the balance from Alpha, which allows you to receive "porridge" from any purchases on the card up to 3%. The percentage of cashback depends on the amount of purchases on the card during the month. The more often and more you pay, the higher the percentage of cashback on all purchases. Also a very profitable card for the current day. Pay attention to her. Moreover, one can be free, just if you store on it from 30 thousand rubles at a profitable 6-7 percent per annum.

Free debit card from Rocketbank with cashback in stores

For several years now, one of the most interesting cards for receiving cashback for your purchases, as well as receiving interest on the balance on the card, has been the free debit card of Rocketbank. The Rocketbank brand is owned by the state financial corporation Otkritie and QIWI. This indicates the reliability of the financial product. The bank positions itself as a modern youth project. Customer service is provided only through a mobile application for android and apple phones.

As for the conditions of the card itself and its chips, everything here is very interesting and profitable! And here are its advantages:

• Free release, maintenance and reissue of the card.
• Free shipping by courier(delivery is possible only in major cities, see when placing an order at the link below).
• Cashback for card purchases up to 10%. The bank monthly offers to select certain stores where you can receive cashback for purchases within a month. These are completely different stores, for example, you can often find large and well-known retail chains Lenta, Auchan, Lukoil, Rosneft gas stations, clothing and perfume stores, restaurants and cafes, and much more. From the proposed ones, you need to choose 3 stores where you want to receive an increased cashback.
• All other purchases get 1% cashback.
• Free transfer and interest on the balance of 5.5% per annum.
• You can also invite friends to the bank and get 500 rubles for it.

Instant debit card VISA Megafon with cashback and interest on the balance

For several years, Megafon has been developing a financial service for its subscribers. You can issue a virtual payment card with a cashback and interest on the balance for free and instantly to your Megafon mobile phone account. That is, a mobile phone account will allow you to store money there at 8% per annum, as well as pay from it with a favorable percentage of cashback. To do this, a virtual payment card VISA MEGAFON is issued in a couple of clicks and tied to a smartphone with a contactless NFC module. Almost every second smartphone has this feature today.

Comfortable? certainly convenient! But it's also beneficial! Using the megaphone card, you can connect several options that allow you to get a very large 10% cashback for purchases in these categories: supermarkets; cafes and fast food; gas station; taxi and carsharing; movie; all entertainment. Each option costs 119 rubles per month, but it allows you to receive ten percent of the purchase every month. The maximum cashback per month is 1000 rubles for each option. You can connect several options at once, or one.

Now I actively use this card, having connected the option of supermarkets and gas stations. Food and fuel are now 10% cheaper.

Credit card with passport and instant cashback up to 15%

Recently, Credit Europe Bank has significantly changed the conditions for its card, making it very interesting and profitable for cashback lovers. Firstly, this credit card is issued only on the passport of the Russian Federation (with a limit of up to 350 thousand) and is issued on the day of filing and processing the application. That is, you left an application via the Internet and you were pre-approved, then you can already go to the nearest bank branch and get a card with an approval limit.

Secondly, the card provides 5% cashback points in 4 categories:

• Cafes and restaurants
• Clothing and footwear
• Entertainment
• beauty and health

In addition, the bank is currently running a promotion, according to which 7 days before your birthday and 7 days after you will receive a 15% cashback in the categories of entertainment, beauty and health, and cafes and restaurants. In all other stores that are not included in the listed categories, you can receive 1% cashback.

The card is very profitable, since there is no service fee for monthly purchases from 15 thousand, and if you spend less than 15 thousand, then 79 rubles, which is also very small. Cashback is credited immediately after the purchase in the form of points, then in the Internet bank or mobile bank you need to select the item “use points” and then you can pay with these points in any store in the world. That is, when paying for a purchase, points will be written off from you first of all, and not money.

Debit income card with cashback from Home Credit

Another card that deserves to be in every person's wallet is a free cashback debit with the original name "Benefit" from Home Credit and Finance Bank.

This card is interesting in that it is a premium category, plus it also has favorable conditions for storing funds (10% per annum until 03/25/2020, if issued today) and also, for profitable purchases, thanks to the Benefit bonus program, which allows receive cashback in the form of bonus rubles up to 10%. Accumulated bonuses can then compensate for their purchases.

The card can be ordered via the Internet and received at one of the many offices of Home Credit Bank.

Halva installment credit and debit card with up to 35% cashback

The Halva universal card is a great option for making money on cashback, given that it is completely free and there are already a lot of partner stores where you can pay with this card.

In total, only a few banks issue an installment card in Russia. In addition to the Halva card, there is also a similar product -. We also recommend paying attention to this banking product of Qiwi Bank.

Tinkoff Black - debit card with cashback from online banking

Tinkoff Black from the bank of the same name is now one of the most popular debit cards in Russia. Holders of this card receive an increased interest on the card account balance, free withdrawals from ATMs, free transfers to other banks and cards, and of course cashback for purchases.

Every quarter, the bank offers to independently choose the 3 most frequently used categories of stores where you can receive CASHBACK 5%. For example, supermarkets, travel, pharmacies, restaurants, cinemas and entertainment, household goods and children's stores are often found. And from these interesting categories, you can choose as many as 3 categories from the list to choose from! This is not offered by any bank in Russia.

In addition, in a special section in the Internet bank, you can activate special partner stores of the bank, where you can get up to 30 percent of the cash back for a purchase. For example, Il De Bote cosmetics stores, travel portals, Delivery Club, Burger King and so on.

Hurry up to order a card for the promotion "10% on the balance" to save and earn money for your purchases. Considering all the conditions of the card, this can be an ideal family card with cashback for every day.

Debit card "Your cashback" from Promsvyazbank

Another card that we recommend for those who want to receive increased cashback in stores is the Your Cashback debit card from Promsvyazbank. The novelty of PSB allows you to return part of the money spent in popular categories of expenses.

To do this, select a bonus category:

• 5% (Beauty; Cafes, restaurants, fast food; Cinema, theaters, entertainment; Pharmacies; Taxi, carsharing; Goods for children; Books and stationery; Goods for animals; Flowers and gifts),
• 3% cashback (Sports and outdoor activities; Health; gas stations and car services; Clothes, shoes and accessories)
• 2% cashback (Supermarkets and department stores; Home and renovation goods; Electronics and home appliances).

By choosing one of the 3 bonus categories, you will receive a refund in all stores that are included in this group. All other purchases will receive a 1% refund.

But the benefits of the card are not limited to cashback. Promsvyazbank will give you 5% per annum for keeping funds on the card. It is also important that the card can be used free of charge when stored on the card from 20 thousand rubles or purchases for this amount. In other cases, 149 rubles per month.

To receive a card by courier within a couple of days, just leave an online application using the link below.

"ALL AT ONCE" - a card with a cashback for everything from Raiffeisenbank

Another novelty of this year is the "#Vsesrazu" credit card from Raiffeisenbank.

The main advantages of the card:

• Card limit up to 600 thousand.
• Interest-free loan period up to 52 days.
• CASHBACK points for all possible card purchases up to 5%. The more you spend on the card, the more points you can accumulate, which can later be exchanged for store certificates or real money. The more points, the more profitable the points conversion rate.
• Custom design (optional)
• Online application and receipt of the card on the same day.

An interesting percentage of cashback on the card allows you to use it as a credit card with cashback on all purchases, including groceries, gas stations, pharmacies and even various duties, taxes and other categories of purchases.

Online application for the "All At Once" card of Raiffeisenbank

Comparison and reviews

So, having considered the best and most profitable bank cards with cashback for purchases, everyone will be able to compare these cards and choose the most interesting one. If we compare these cards, then the cards of Tinkoff Bank, Svyaz-Bank, Alfa-Bank, Rosbank, Russian Standard and Credit Europe will be the leaders. Although with them you can get a free debit card from Rocketbank.

Who uses the cards already described above, please leave your impartial reviews and comparisons under this entry. Share your experience of using such cards.

Bank cashback card + cashback service = Maximum profit

Having opened a payment card with a cashback, do not forget to use it for online purchases at the same time as reliable cashback services. If you use these services and pay online with a bank card with cashback, you can get a total refund of up to 20-30 percent.

To do this, use only reliable cashback services, such as:

• Letishop- the most popular service for paying for purchases on the Internet. starting from shops and ending with air tickets or tour packages. When registering today, a premium account is a gift. Enter code LETYSHOPS50 during registration and get an increased cashback of 50%.
• Epn CashBack is also a very reliable company that offers a very favorable percentage of cashback for purchases in foreign online stores.