The biggest cashback on a card at a gas station. Debit cards for gas stations

Very comfortably. Thank you

Loko-Bank

Our accountant is an aunt of the old school and, it seems, she is eternal. She put us all on the World and in the very bank where you can even breathe according to an agreed schedule. I won’t describe the inconveniences and what I generally think about this card and bank, since Russian literary speech is required here. Irina, a manager from Lyublinskaya, was able to defeat our accounting titan and helped get me the right to receive a salary...

Alexander, Moscow

Refund of funds, the ATM did not dispense cash upon withdrawal due to a technical fault

Credit Bank of Moscow

On February 13, 2019, I withdrew cash from an ATM of PJSC MKB in the Kuntsevo Plaza shopping center, located at: Moscow, st. Yartsevskaya, 19 (hereinafter referred to as the ATM), in the amount of 8,000.00 (Eight thousand) rubles. The ATM did not dispense cash; the cash withdrawal operation was carried out using my current account statement. By telephone, MKB PJSC was informed that the ATM had a technical error status and was then transferred to...

Vera, Moscow

About reliability and convenience

I have been a client of the bank since the beginning of the 2000s (since Investsberbank, since 2008 - OTP). I met branches of the parent bank in completely different European countries, incl. in the post-Soviet space. I used ATMs there and paid for purchases and services with a card. During this time, I did not encounter any difficulties when interacting with the Bank, changing cards according to the expiration date, making deposits (by the way...

In principle, a normal bank... or more, probably, a broker - it seems that they want to force all clients to become investors)) I just use the card, the bonuses are not bad, there is cashback - everything is like with people. If it weren’t for the constant calls and letters with offers to “think about investing,” everything would be normal... Oh, and the exchange rate is good. But I don’t want to be a trader, and I’m tired of persuasion.

Sergey Perlov, Moscow

The bank has been unable to resolve its mistake for almost a month now.

Tinkoff Bank

In principle, the service is good, it was my number 1 bank until one unpleasant situation. My card was demagnetized and I blocked it to order a new one. Naturally, before this, I transferred the money to the card to another bank, so that while they were making the card for me, I could use it. We must give credit to the bank; the card was made and delivered very quickly. BUT THE AMOUNT THAT I TRANSFERTED TO ANOTHER BANK FOR SOMETHING...

Yuri Kamshitsky, Moscow

Great card with nice bonuses

Rosbank has opened a Mir debit card, the most common and understandable one. Yes, yes, the same one that cannot be paid abroad. But I didn’t apply for the card for travel. For me, the main thing is that it is easy to put a day on the card, and just as easy to withdraw it, so there is no confusion with interest and commissions. The World Map is perfect for this. Nothing extra. But despite all its standardness, the card is not simple...

Kirill Faustov, Moscow

Some banks issue special cards for motorists or simply provide the opportunity to activate increased cashback when making non-cash expenses at gas stations. Such cards will be beneficial to those who spend a lot on gas station services every month. Moreover, we are not only talking about paying for gasoline; cashback is also accrued for the purchase of goods at the gas station.

For example, if you spend 5,000 rubles at gas stations every month, with a 5% cashback, your monthly additional income will be 250 rubles: as a result, in a year, performing normal actions, you will receive a bonus of 3,000 rubles from the bank. This card can be used by the whole family if it has several cars, and accordingly, in this case the profit will be even higher.

When analyzing cashback cards at gas stations, pay attention to the restrictions set by the bank. They usually relate to the maximum amount of cashback rubles that a client can receive per month. Typically, the card holder receives bonuses once a month.

Review of debit cards with cashback at gas stations

Alfa Bank Cash Back Card

An interesting product, using which you can receive cashback at the gas station in the amount of 10% of what you spend. This is a high amount; cashback of this size is rare in the financial market.

Key Features:

A 1% cashback is provided for all purchases made with the card. There is also an increased cashback for transactions carried out in cafes and restaurants;
restrictions: depending on the chosen tariff for servicing the card, the client can receive a maximum of 2000, 3000, 5000 rubles in cashback per month. Cashback is accrued subject to the requirement for minimum non-cash spending at retail outlets - 20,000 or 30,000 rubles, depending on the tariff;
the cost of annual service at any tariff is 1990 rubles per year;
You can connect a savings account with a yield of up to 7% to the Cash Back card.

Otkritie Bank autocard

A card that was created specifically for car owners. When using it, the client receives an increased cashback when spending at a gas station. For the convenience of customers, the card is issued in three tariffs, each of which has individual characteristics. When issuing cards of an increased level of service, the client receives additional privileged services.

Key Features:

basic tariff: cashback at gas stations - 2%, profitability when placing your own funds on the card - up to 3% per annum, service cost - 99 rubles monthly;
optimal tariff: cashback at gas stations - 3%, return on balance - up to 5.5%, service cost - 299 rubles monthly;
premium tariff: cashback at gas stations - 5%, return on balance - up to 6%, cost of service - 2,500 rubles per year;
Each card can be serviced free of charge provided that the turnover and minimum balance requirements are met. Information about this can be found on the Otkritie Bank website;
restrictions: no more than 3,000 rubles can be returned for one operation.

All Inclusive from Promsvyazbank

A privileged card with options and services aimed at premium clients. However, despite its status, the means of payment is available to a wide range of people. The card is not aimed specifically at car enthusiasts, but its holders can receive a 5% cashback for purchases made at gas stations.

Key Features:

There is no cashback on all purchases. Increased cashback is established in the category that the client chooses. Some of our favorite categories include gas stations;
restrictions: you can get a maximum of 1000 rubles per month with cashback;
Maintenance costs 150 rubles monthly. This fee is not charged if more than 5,000 rubles are stored in client accounts.

Cosmos card from Home Credit Bank

A simple and convenient debit card that provides an increased cashback of 3% in some categories of goods and services, including when paying for gas station services.

Key Features:

standard cashback does not apply to all purchases. Cashback of 3% is awarded for transactions made in cafes, at gas stations and for travel expenses;
when storing own funds on the Cosmos card, the client receives an income of 7.5% per annum;
Home Credit does not charge a fee for the first year of using the card. In the future, a commission of 99 rubles is charged monthly, but it can be avoided if at least 10,000 rubles were on the card account daily or more than 5,000 rubles were spent non-cash on the card during the current month;
Card maintenance costs 1,500 rubles per year.

VTB24 multicard

A card with great functionality and a set of options. The client himself chooses the cashback calculation method that is convenient for himself. You can receive a 2% bonus on all purchases or choose a specific category in which the cashback will be much higher. When choosing the “Car and Restaurants” category, you can receive cashback up to 10%.

Key Features:

when choosing cashback at gas stations and restaurants (general category) for other transactions, the client does not receive bonuses;
The amount of cashback depends on the expenses made in the current month: if it is 5,000-15,000 rubles, cashback from purchases at gas stations will be 2%. If a client spends 15,000-75,000 rubles monthly, the cashback will be 5%. If the monthly turnover on the Multicard exceeds 75,000 rubles, the cashback will be maximum - 10%;
restrictions: the maximum possible cashback amount per month is 15,000 rubles;
it is possible to link a savings account with a yield of 7% per annum;
monthly service costs 249 rubles. Fees can be avoided if the client pays with a card for monthly purchases amounting to at least 15,000 rubles or if the client keeps more than 15,000 rubles in VTB24 accounts.

Card with big bonuses from Sberbank Visa Platinum

A relatively new product from the country's leading bank. Its advantage is that it has the largest network of ATMs and offices in Russia, so there will be no problems with servicing, cashing out and replenishing the card. The holder of this premium card will receive a large cashback at the gas station - 10% of what is spent. At the same time, bonuses are also awarded for other purchases, and premium services and additional services are connected to the card.

Key Features:

for any purchases made using a Sberbank Visa Platinum card, the client receives a 0.5% cashback;
for paying with a card for gas station and taxi services Yandex, Gett, the holder receives a maximum cashback of 10%;
When paying for services in cafes and restaurants with a card, the client receives 5% cashback;
cashback for purchases in supermarkets - 1.5%;
the Thank you program from Sberbank is connected;
Card maintenance costs 409 rubles monthly or 4908 per year.

Lukoil Bank Uralsib card

This is a card for car owners who often use Lukoil gas stations. It does not use the standard cashback system, but a point system: for all purchases made with the card, the holder receives points that can be used to pay at Lukoil gas stations. 1 point is equal to 1 ruble.

Key Features:

when paying for services at a Lukoil gas station with a card, the client receives 1 point for every 50 rubles spent;
when making any other non-cash purchases, 1 point is awarded for every 70 rubles spent;
Annual card maintenance costs 699 rubles.

Autocard from Rosbank

Another card aimed specifically at car owners. Its owner receives the usual 1% cashback for all purchases and an additional 5% cashback for paying for auto-theme services. In addition, this is a privileged card with a set of additional status services.

Key Features:

cashback for all non-cash purchases - 1% of the amount spent;
cashback in the amount of 5% for spending at gas stations, car washes, paid parking lots and roads;
the client can additionally open a Savings account and receive an income of 6.5% per annum;
service cost - 500 rubles per month.

conclusions

If you often use your car and spend a lot at gas stations, debit cards with cashback at gas stations will become a convenient and profitable payment tool.

Among all the above cards, the largest cashback of 10% is offered by Alfa Bank and Sberbank, but the cost of servicing these cards is also high. They should be issued if you really spend a lot of money on refueling your car. In this case, cashback will offset the service fee. In addition, holders of these cards receive additional cashbacks for transactions made in other categories of goods and services. Therefore, it makes sense to consider these options, despite the low cost of service.

When choosing a card with bonuses at a gas station, do the following calculations: compare the possible monthly cashback for all purchase transactions with service costs. This way you will choose the best design option.

Fuel and gasoline costs are one of the main cost items for maintaining any car. Since non-cash payments are becoming more common, banks, in order to attract additional customers, offer the use of special cards at gas stations, with which you can compensate for part of the purchase.

For each purchase, the motorist will receive cashback in a certain proportion of the amount spent. Let’s take a closer look at what a bank card with cashback at gas stations is and which banks offer the most profitable products in this segment.

The constant increase in prices for gasoline and diesel fuel forces motorists to look for ways to obtain additional benefits. One of these options is payment by card with a return in the form of cashback, the amount of which can reach up to 10% of the expenses incurred, depending on the selected product.

Before choosing a specific card and issuing bank, it is important to determine for yourself the main criteria that are of paramount importance. Here are some tips to give:

It is better to choose a card that provides increased cashback when making payments at gas stations.
The card issue should be entrusted to a reliable and trusted bank with a long history of work in the Russian Federation.
A nice additional bonus will be that cashback will be extended to all other vehicle maintenance costs - car wash, service station, purchases in auto stores, etc.
An important parameter is the cost of annual maintenance, since with its impressive size, the meaning of cashback is simply lost.

In general, in the decision-making process, it is worth carefully studying all the conditions for all products of interest, including the amount of commissions, the issuance of additional cards, the possibility of obtaining a credit line, the existing network of ATMs and payment terminals, etc.

There are now quite a few bank cards on the market with cashback at gas stations, differing in many respects. There are the following types of cards with the possibility of receiving reimbursement for purchases at gas stations:

debit and credit (those who are committed to always having the required balance on the card can, in addition to classic debit cards, issue a card with a set credit limit);
cards with interest accrual on the balance (on the balance of own funds on the account, some cards provide for receiving additional income, the value of which today fluctuates in the range of 6 – 6.5% per annum;
co-branded cards linked to a specific gas station network;
car cards with increased cashback for additional car expenses (when paying for parking, toll roads, etc.).

Note! People who regularly use such a payment tool as cashback cards will be able to return up to 180 thousand rubles per year to their account.

Review of the most interesting cards with cashback at gas stations. More interesting than the maps of the oil workers themselves

Let's consider in detail the offers from leading Russian banks for bank cards with cashback at gas stations and make a preliminary rating of the best products on the market.

Map Alfa Bank CashBack – 10% refund on purchases at gas stations

Alfa Bank offers potential holders many card options with favorable conditions and additional bonuses. The product stands out among them called "Cash Back" with 10% cashback at gas stations and 5% on expenses in cafes and restaurants. The conditions for the card are presented below.

Release and maintenance per year	1990 rubles for debit and 3990 rubles for credit
Cashback	1% - for any operations; 5% - from the receipt in restaurants and cafes; 10% - from the bill at all gas stations
Card type	Debit and credit to choose from
Interest on balance	Up to 7% on debit card balance
Credit limit	Up to 300 thousand rubles
Interest rate, % per year (credit card)	From 25.99
Preferential lending period	Up to 60 days (for any transactions)
Cash withdrawal fee	4.9% (minimum 400 rubles) by credit card, by debit card – 0 rubles

The card has a lot of advantages, including:

honest grace period;
accrual of additional income to the account balance;
high cashback;
free SMS notification service.

The maximum refund amount is from 3 to 5 thousand rubles per year, depending on the connected service package (Optimum, Comfort or Maximum+).

Most Cash Back card holders are satisfied with the tariffs, terms of service and privileges provided. Simultaneously receiving cashback, accruing interest on the balance and providing lucrative discounts from partners is not available in every bank.

A comparison of cashback benefits can be presented in the form of a summary table:

Conclusion: Of particular interest to customers who prefer to pay at gas stations using a card and receive additional benefits from this are cardsCashBack Alfa Bank and VTB 24 Multicard.

Bank card with cashback or fuel card: what to choose?

Most gas station networks in the Russian Federation offer customers their own bonus programs and fuel cards to receive additional discounts and attract customers. Lukoil, Gazpromneft, Rosneft, Tatneft, TNK, BP offer quite interesting loyalty programs.

Gas station network	Fuel card	Features and conditions
Lukoil	Lukoil Licard card	For every 50 rubles in a check, 1 point is awarded.
Gazpromneft	We're on our way	All clients are divided into 3 statuses: silver, gold and platinum. For every 100 rubles, 3, 4, 5 points are awarded for three statuses, respectively. The card is paid (199 rubles). Statuses are assigned depending on the volume of purchases made.
TNK and Rosneft	Family matters	With a free loyalty card you can get 1 bonus point for every 200 rubles in a receipt.
VR	BP Club	Customers are assigned Green, Gold and Platinum statuses, within which 2, 4, 6 points can be awarded for purchases, respectively.
Tatneft	Fixed discount	With a discount card, customers are given a 3% discount on gasoline and 6% on gas products.

It is more profitable and more logical to get a bank card that accrues cashback on gas station expenses. Many cards provide bonuses not only when paying for fuel, but also when paying for parking, car washes, service stations and toll road sections. In addition, this is a full-fledged payment instrument with banking functionality, through which you can pay for purchases, transfer and withdraw cash, and also receive additional income in the form of interest on your account balance.

However, it is important to pay attention to the tariff schedule and the amount of fees charged, including fees for issue and annual maintenance, cash withdrawals at ATMs and terminals, etc. Regular gas station fuel cards cannot compete with the listed advantages.

Family expenses on gasoline can be reduced by up to 10% due to the car owner’s participation in the cashback program at gas stations. Financial institutions offer a huge number of cards with the function of non-cash payment for fuel and the return of part of the funds back to the account. How they differ from regular debit and credit cards, as well as how to choose them, will be discussed further.

Features of Cash Back cards at gas stations

Plastic cards with cashback at gas stations are no different in functionality from classic ones. With their help, it is possible to carry out any financial transactions. Despite this, they still have some features, including:

Favorable percentage of return of funds spent at gas stations (fuel, auto chemicals, food, etc.). From 5 to 10% is returned to the owner’s account, depending on the terms of the program.
A large number of co-brand offers. They imply a refund when paying for fuel at a gas station of a specific brand. For example, debit cards from Otkrytie Bank make it possible to save on paying for fuel from Lukoil gas stations.
Refunds are made in the form of bonuses or cash. The terms of accrual and write-off depend solely on the terms of the program itself.

Cashback programs offered by various financial institutions differ in terms of provision and return of funds. It is possible that there is a minimum and maximum amount of expenses from which refunds can be made, limits and other conditions for using cards can be set.

How to choose a cashback card for refueling

Modern banks offer a huge number of offers to return funds paid at gas stations. You should choose the best option among them by adhering to the following criteria:

Return amount. Should be 5-10%.
Cost of card maintenance. Minimal or free.
Registration of additional cards. Convenient for families with several cars.
Reliability of the financial institution. The car owner must be completely confident in the high status of the bank. Otherwise, the risk of fraud with a refund cannot be excluded.

Choosing a card with Cash Back is not difficult; you just need to read the terms and conditions of programs from popular banks in the country.

Cards with cashback at gas stations

We invite you to consider the best offers of 2019, giving you the opportunity to get the maximum benefit from purchases at gas stations:

"Alfa Bank". A debit card that allows you to return 10% of fuel costs and 5% of expenses for paying bills of restaurants and cafes. The annual cost of card maintenance is 1990 rubles. 7% per annum is charged on the remaining amount.

"Tinkoff Drive". Debit or credit card with 10% cash back on fuel. When paying for car services, parking and car washes, up to 5% of the funds will be returned to the owner. The cost of servicing a credit card per year is 990 rubles, a debit card is free or 190 rubles.

Debit card "Polza" from "Home Credit". Allows you to save from 3% on fuel, cafe bills and other travel-related expenses. The first year of service is free. 7% per annum is charged on the balance of funds.
"Russian standard". The Platinum credit card will allow you to withdraw cash without commission at any ATM, and you can use the funds without paying interest for three months. The bank gives you the opportunity to return 5% on fuel costs and other expenses.
Debit card "Spasibo" from Sberbank. Allows you to return 10% of money spent at a gas station, 5% in cafes and restaurants, 1.5% in supermarkets. A significant drawback of this card is that the annual maintenance cost is 4,990 rubles.
Vostochny Bank debit card. Gives up to 7% income (credited to the account balance if the balance is more than 10,000 rubles) and 5% cashback

A cashback card should not only be profitable, but also convenient for its owner. It is worth paying attention to offers that include a refund not only for fuel, but also for travel expenses and payment for indirect services.

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or by filling out the form below.

A car is not a luxury, but a means of transportation. And even if you belong to the category of people who agree with this expression, you probably won’t deny that quite a small part of your own income is spent on maintaining a car.

A way to reduce expenses is through cashback cards for cars, gas stations and other car-related transactions. You pay with plastic and get back part of what you spent.

Even if you already have a similar map, I still advise you to familiarize yourself with the selection. Banks are constantly improving conditions for plastic products that provide cash back on cars and related expenses. A card received 2-3 years ago, which was the best offer on the market at that time, today may be mediocre at best.

Criteria for choosing a card with cashback at gas stations

Where to begin? Or how to choose the optimal plastic that’s right for you?

Typically, most pay attention to the percentage of the refund provided. There is some truth in this. But….

In addition to this parameter, the card may have various features, restrictions and exceptions. As a result, it may turn out that the chosen plastic card with the maximum promised cashback on the market will lose in terms of “profitability” to other cards with modest indicators.

What to pay attention to.

Cashback amount. The main purpose of the card is a high cashback amount for the categories we need. In this case, “Auto”. Banks offer returns from a modest 2-3% to 10% of the transaction amount.

Monthly limit. Banks are introducing a maximum limit on the amount returned per month in the form of cash back. It can be either 1-2 thousand rubles or tens of thousands. The restriction may result in losses for cardholders. Of course, not in the literal sense, but as lost profit.

For example, on a card with a 10% return and a limit of 2 thousand per month, you can “profitably” spend 20 thousand rubles. Anything over this amount will not be rewarded by the bank. For some this will be enough. And for other car owners it will result in a loss of remuneration at significant costs.

Money or points. The ideal card returns real money to the owner. Some may award candy wrappers (points, bonuses, miles, etc.). Which can be offset against future purchases. But sometimes, for this it is necessary to accumulate them over a certain period of time. As a result, the owner cannot fully experience the return on purchases every month.

Paid or free. A card without annual maintenance and cashback is certainly good. But usually the most “delicious” and higher return rates are in most cases only for paid cards.

Debit or credit. With credit cards, banks pour an increased amount of porridge. Naturally, we mean cards with an interest-free lending period. When you can use the bank’s money during the grace period without paying the bank a penny on top in the form of interest.

And if you consider yourself a disciplined client and are not afraid to break the rules for using plastic in the future, then you can consider this option. Spend borrowed funds and put your own funds into circulation, for example, keep them in an expense-replenishable deposit. And additionally receive profit in the form of accrued interest.

Otherwise, any step to the right or left (or jumping on the spot) will be considered by the bank as a violation and will be punishable by penalties. As a result, the credit card can become golden for you. Literally. All benefits received from the cashback program will disappear.

Bank reliability. Money on the card is not insured by the DIA (deposit insurance agency). If problems arise with a credit institution, you can get into a number of troubles. Therefore, it is better to avoid small and unreliable banks, although they promise simply “fabulous” conditions for their card products.

Easy to remove and refill. The card should be convenient to top up and withdraw cash from if necessary. We need a wide network of terminals of the bank or its partners, where you can carry out the necessary operations without charging a fee.

If you are friends with mobile and online banks, then the main thing is the absence of commissions for transfers (withdrawal and replenishment) using a card (cart2cart) from other banks. In this case there is no problem. Top up another card at your local ATM (for example, Sberbank). And then you withdraw money from it onto your “auto-card”. And vice versa, if there is a problem with the availability of the necessary ATMs, carry out the reverse operation.

Rating of cards with cash back for Auto

There are dozens of cards in circulation on the market of card products with the return of part of what was spent on a car. With all the variety of choices, there are not so many truly worthwhile programs. The selection includes only the most interesting offers that can provide a good amount of reward. And popular.

Tinkoff Drive

A card with a self-explanatory name.

What Tinkoff offers with its autocard.

The cashback amount depends on the category of spending:

payment at gas stations - 10%;
category of car services - 5% (car washes, car services, parking and travel on toll roads);
payment of traffic police fines - 5% (in the bank’s online account).

Accounting is done in points. Once you accumulate 2,000 points, you can redeem past purchases. Select the operation for which you want to receive money. Bonus points are debited and real money is credited to your account. Instantly.

The standard conversion rate is 1 point - 1 ruble.

But there is a small nuance. For gas station category compensation, the exchange takes place at the rate of 2:3.

For example, we filled up for 2,000 thousand rubles. When exchanging for points, you will receive 1333 rubles and kopecks in your account. Draw your own conclusions about what is better to exchange points for.

A couple more points you need to know about!

The maximum monthly limit for accruing points at a gas station is 1,000. That is, it is not advisable to refuel with a card for more than 10 thousand rubles per month.

For other expenses, you can earn up to 10,000 points (expenses up to 200 thousand per month).

The bank produces two types of plastic: debit and credit.

The difference is in the cost of servicing and restrictions (applies to a credit card) on cash withdrawals.

cost of service: debit - 190 rubles per month (2,280 per year). Credit card - 990 rubles per year.
SMS - 59 rubles (it’s better to turn it off immediately. All the necessary information is in your personal account).

Briefly about the credit card:

interest-free grace period - 55 days;
interest rate up to 29% per annum (if you do not meet the grace period).

Naturally, it is better not to face penalties. And try to use the money for free during the grace period.

So which card should you choose? On the one hand, debiting is several times more expensive. On the other hand, when choosing a credit card, we risk getting caught on the counter. In case of violation of the free use period.

I chose a credit card for myself... but I use it as a debit card. I immediately transferred the required amount over the credit limit. And my head doesn't hurt. You don't need to keep track of all these billing and payment periods. Although, to the credit of the bank, when I initially used credit funds, they honestly warned me in advance (several days in advance): Don’t forget to pay so much money by such and such a date.”

You can order a card (like all other bank products) by leaving a request on the official website. Delivery to the client is available. They will deliver it to any convenient place and time. For free.

Additionally, you can earn a little money right away.

You can connect one of the options included in the Multicard kit and receive increased cashback in the selected category.

Options available to choose from:

auto - up to 10%;
entertainment and restaurants - up to 10%;
travel - up to 4%;
cash back on everything - up to 2%.

You can change the options yourself once a month. And receive cashback in the desired category.

Debit and credit cards are issued. The conditions for them are identical. In addition, the credit card has a 50-day interest-free period.

The cost of service is 249 rubles per month.

Completely free if the condition “15 thousand rubles” is met:

Monthly expenses.
Balance in bank accounts.
Receiving wages.

The main thing is that the monthly amount for any of the above items is not less than 15,000 rubles.

The multicard gives cashback up to 10% in the “Auto” category. Refunds are made in real money next month.

The refund rate depends on the amount of spending per month:

up to 15 thousand - cash back will be 2%;
up to 75 thousand - 5%;
over 75,000 - 10%.

The limit on receiving remuneration is 4 thousand rubles per month.

Important!
For card transactions up to 5 thousand per month, cashback is not credited.

Additionally!

If the “Auto” option is enabled, cashback will not be counted for transactions in other categories.

You can issue up to 5 additional cards for free. With a single account. This will make it possible to summarize all completed transactions and reach the maximum amount of cashback received.

The site has a detailed review from VTB with all the hidden conditions and features of use.

Alfa Bank - cash back 10%

The card is a veteran in the auto cashback market. The offer has been in effect for several years and is still relevant. The demand for plastic is high and the bank is constantly extending the program.

Basic conditions.

up to 10% for refueling at gas stations (depending on the amount of monthly expenses);
up to 5% in the restaurants and entertainment category;
1% of other expenses.

Card maintenance - 100 rubles per month. When spending more than 10 thousand per month or a total cash balance of 30 thousand rubles, no fee is charged.

The monthly limit for receiving cashback (meaning the total amount of reward for all purchases) is limited to 15 thousand rubles. But no more than 5 thousand per category. When spending more than 100,000 per month, the limit expands to 21 and 7 thousand, respectively.

Autocard - Otkritie Bank

A debit card allows you to receive cashback for gas stations, car washes, car rentals, paid parking and roads.

The remuneration amount varies from 2% to 5% depending on the connected tariff. The cheapest one will cost 99 rubles per month.

The card has interest on the balance, on your own funds.

You can reduce your service fee to zero if you meet any turnover requirement (depending on the connected package).

Conditions for the free package:

Basic tariff:

The average monthly account balance is from 70 thousand rubles + at least one purchase transaction has been made using the card.
Average monthly balance from 50 thousand + purchases per month in the amount of more than 10 thousand.
Purchases with the card from 20 thousand rubles.
Top up your card with 20 thousand + 1 any purchase per month.

Tariff "Optimal"

Account balance: 300 thousand + one purchase transaction.
150 thousand + 20 thousand expenses.
Purchases from 50 thousand per month.
Top up your card from 50 thousand + 1 purchase.

Premium tariff

Balance – 1 million + 1 purchase for any amount
The balance is 600 thousand + expenses from 50 thousand.
Replenishment from 200 thousand + spending on the card 50 thousand.

The easiest way to make the card free is to make the bank a salary bank and receive your salary on the card. You can, of course, top up the card in any convenient way with the required minimum amount. Bank tariffs clearly state that the source of funds is not important.

The monthly limit for receiving cashback is limited to 3,000 rubles per month.

Important!

For transactions not included in the “auto” category, cashback is not credited.

Lukoil map - and again Opening

Co-branded card from Lukoil. Refunds are made in points. One point - one ruble.

As in the previous case (autocard), you need to connect one of the tariffs. The free conditions are identical.

Depending on the connected tariff (basic, optimal, premium), we receive 1 point for every 50 rubles at the gas station. For other expenses - 1 point per 100/75/60 rubles.

The resulting cash back amount on the Lukoil card is 2% and 1 / 1.33 / 1.66%, respectively.

Additionally.

Welcome bonus for the first purchase using the card: 200/300/600 points.

MasterCard Gold Package from Raiffeisenbank

Plastic gives 5% cashback at gas stations. The monthly limit on receiving remuneration is 3,000 rubles.

The card opens only when you activate the “Golden” package. The package costs 500 rubles per month. Either you need to spend at least 30 thousand on the card monthly or have at least 300,000 rubles in your bank accounts. Then there is no charge.

Peculiarity. The bank may, at its discretion, change the cash back category. For example, until April 2016, this card had a return program for restaurants/bars/cafes.

Rosbank - autocard 5%

Rosbank gives you the opportunity to return:

5% for gas stations, car washes, parking lots
1% for everything else.

Among the features:

interest on the balance - up to 6.5% per annum;
annual maintenance - 1,500 rubles;
The monthly cashback limit is 5,000 rubles (per car) and 7,000 total (including the car category).

Cards with high cashback for everything

It is not necessary to have a card with an increased return on cars. There are “profitable” card products that provide good rewards for making any transactions to pay for goods and services. And it was right to include them in our rating.

Perhaps such versatility will be more interesting than owning several cards (and paying for service), with some getting porridge at the gas station, and with others a high KB for other expenses. And constantly getting confused and transferring money from one to another.

Halva pouring 6% porridge

The card can be used not only for interest-free installments. But also like a regular debit card. Deposit your own funds and make purchases. At the same time, you still receive a good amount of cashback.

It all depends on whether it is an affiliate store or not. Naturally, they give more money for partners. Much more.

The bank's partners include several dozen gas stations and about a hundred auto shops. Interesting food supermarkets (Pyaterochka, Perekrestok), leading online stores, almost all well-known brands and federal chains.

What does Halva offer?

card issue and maintenance - zero rubles;
daily interest on the balance - 7.5% per annum;
cashback 6% from partners and 2% in other stores (if you pay by phone - Google pay, Apple or Samsung);
a classic purchase with a plastic card will bring 2% from partners and 1% on everything else.

Under the “Refer a Friend” program, the bank will give you 500 rubles if you apply for a card using a special link and make your first purchase of 1,000 rubles or more.

Benefits of Hamster

Debit card from Home Credit Bank. Maintenance cost is free for the first year. Then 99 rubles per month. But it's easy to make plastic free. To do this, it is enough to make purchases with the card from 5 thousand per month. Or maintain a non-reducible balance of 10,000 rubles.

Considering the “tasty” conditions, getting free is quite easy.

Card Buns Benefits:

Cashback for gas stations, travel, cafes, restaurants, cinema - 3%.
Other purchases - 1%.
Up to 10% cash back at partner stores.
The monthly cashback limit is 5,000 rubles.
Daily interest accrual on the card balance at a rate of 7% per annum.
The reward will be returned next month (until the 15th).

Free Touch bank card - 3% porridge

Updated 07/24/2018. The bank has stopped issuing cards for new clients. For plastic holders, cashback for purchases will be abolished from August 1.

The bank lures clients with, if not ideal, then very attractive conditions:

the card is completely free (when ordering you need to activate the Limited tariff);
interest on the balance - up to 8% per annum;
free withdrawal and replenishment at any ATM;
cashback - 1% for absolutely everything;
the ability to independently choose the category of increased cashback accrual - 3%. And change if necessary.

The monthly ceiling for receiving rewards is 1 thousand in your favorite category. There are no restrictions on other spending.

You can increase the monthly increased cashback on your Touch bank card to 3,000 rubles.

In this case, the Daily tariff is suitable for you. To make the card free, you need to keep an amount of at least 50,000 rubles in bank accounts.

All at once - 5% from Baba Rai

Plastic from Raiffeisenbank (or Baba Raya, as the bank is nicknamed) promises to return 5% on absolutely all purchases. Including for automobile categories.

But as always, there are some hidden issues that make it not very attractive to use.

Accrual occurs in points. Which can be exchanged for money. But for this you need to save a certain amount. The more points, the better the conversion rate into money. The size of the cash back provided will depend on this.

You can exchange points for money by spending:

25 thousand rubles - this will give you 1% cashback;
50 thousand rubles - corresponds to 1.2% cashback;
for 200 thousand - you can get 2%;
A million rubles - gives the maximum size of 5% of the porridge.

Card holders are constantly faced with the agony of choice.

Receive 5% on absolutely all purchases, but later (in a year, two, three). Or a modest 1-2% - but almost every month.

If the card interests you, read the full description of the features and disadvantages in the article ""

Finally

It is impossible to say unequivocally which card is the most profitable and will bring the maximum return in the form of cashback for a car. As they say, “it depends on the taste and color...”

I advise you to estimate how much money you spend per month and what is the share of auto expenses. And based on the data received, choose plastic.

Arm yourself with a calculator and do the math. How much can you return on the card per year (per month). Cost of annual maintenance (if the card is paid). And display the overall financial result. If you are satisfied with the amount of profit received, we will issue a card. If you doubt whether sheepskin is worth the candle, we pass by.

Perhaps a universal card with increased cashback for gas stations (and related expenses) and small rewards for everything else will be suitable.

Or it would be more profitable to have a separate auto-plastic, for which you can receive a reward. And make the rest of your expenses using another card, with high cashback for other categories.

The choice is yours!

Big and fat cashbacks to everyone!