To attract new customers, many banks began to provide a profitable service called cashback. It represents the return to the buyer of a portion of the money from each purchase in stores, gas stations, cafes, etc. Bonuses can also be awarded in the form of points, which the user has the right to activate and spend when making another purchase. The top ten includes the best debit cards with interest and cashback, which are the most profitable for customers.
10. All at once from Raiffeisen Bank
REALLY opens the top ten debit products. One of the most attractive payment tools Raiffeisen Bank offers to get discounts in various online stores and not only. The holder of this card has the opportunity to participate in all ongoing promotions and receive additional incentives for this. Bonuses come in the form of points. For each hundred given to the store, 1 point is awarded. For birthday parties, additional promotional events in the form of gift points are provided. Once a year, the user needs to pay 1.5 thousand rubles for using the product. Additionally, you will have to pay and SMS notifications.
9. Connected
Connected It will be interesting to many customers because of the inexpensive service and attractive bonus program. After each purchase, bonus points are credited to the card, which can be used in the future when purchasing other goods. For each ruble, up to twenty bonus units can be returned. The card holder will cost its maintenance of 600 rubles per year. Written by phone will cost fifty every month.
8. Corn
Corn ranked eighth among the best. She offers various kinds of services: from repaying her loans at any banks in Russia and shopping in chain stores to purchasing foreign currency. The maximum possible benefit for the customer is three percent. For each purchase, the user receives points. Use is absolutely free, which makes the product quite popular among the solvent population.
7. All Inclusive by Promsvyazbank
All inclusive, issued by one of the largest banks, Promsvyazbank is one of the ten debit leaders with incentive bonuses that are returned to the client when making various kinds of purchases. A premium product returns five percent to the customer’s account in most cases. Once a year, the holder needs to pay one and a half thousand rubles. SMS notifications will cost the user monthly about thirty rubles. A feature of the product is the presence of so-called "superprotection", which does not allow attackers to seize the user's personal information.
6. Binbonus from Binbank
Map Binbank invites its customers to take advantage of an attractive offer called the Binbonus loyalty program. Starting to use the card, the user needs to activate the offer that seems to him the most profitable for himself. Moreover, the client has the opportunity at any time to change his preference. The maximum return percentage is 5%. Annual card maintenance will be quite expensive and amount to four and a half thousand. SMS notifications during transactions come to the client’s phone completely free of charge.
5. Smart card from Opening Bank
Smart card from the bank Opening is one of the most attractive debit products with the return of part of the funds from the purchase and cashback. This card allows customers to get the maximum benefit, because of which has recently become in great demand. About 10% percent is returned to the client in the event of the purchase of promotional items. In addition, the Smart Card holder receives 1.5% if his operations exceed several tens of thousands of rubles per month. Card service is paid and is three hundred rubles. Written phone alerts are paid separately.
4. Visa card from Sberbank
Great Visa Card from Sberbank deserves special attention. In total, the bank is ready to offer about 10 products of this type, however, this debit card is one of the most attractive in terms of benefits for the client. When paying with a card of any product, the owner receives bonuses to the account. When paying for gasoline and other goods at gas stations, 10% of the completed purchase is returned to the card. A portion of the funds is returned in the same amount when using Yandex-Taxi services. Annual maintenance of the product will cost its owner almost five thousand rubles. It can be recouped only if the monthly card transactions are equal to tens of thousands.
3. Discovery-Rocket
Discovery-Rocket opens the top three leading products of this type. When paying by card in any store, the customer is returned to the account up to ten percent of each purchased product from any store. The Otkritie-Rocket product is also attractive because annual service is absolutely free. But for SMS notifications will have to pay separately once a month.
2. Cash Bach from Alfabank
Cash back located in second position. A payment instrument is issued by Alfa-Bank. In total, in the organization’s product line there are more than four dozen cards of this type, on which bonuses are awarded for completed purchases. Part of the refund occurs with various purchases. With a Cash Back card, the client has the opportunity to return the maximum percentage of a completed purchase, which is 10% when paying for products at gas stations and 5% when paying in a cafe or restaurant. Once a year, the client needs to pay 1200 rubles in order to use all the provided incentives.
1. Tinkoff Black
Tinkoff black completes the ranking of debit leaders. Tinkoff is today one of the largest banks that provides its services to customers exclusively remotely. The organization does not have its own office premises, which is why service takes place only by processing applications through a web resource. Tinkoff is ready to offer more than a dozen debit cards with cashback service to its customers. Making any purchase, the bank customer receives a guaranteed bonus. A feature of the Tinkoff Black card is the presence of three customer reward systems with maximum benefit for it. For customers whose deposits in the bank exceed three tens of thousands of Russian rubles, card service is completely free. Notifications to the phone in the form of SMS from the bank come without charging a service fee. Many solvent users prefer this premium product line.