Editorial Review: Black & KHL Debit Card from T-Bank

Terms and important parameters

The Black & KHL Debit Card from T-Bank is a classic-category bank card issued as a debit card. Below are the parameters listed in the product card on Sravnim24.

• Product type: bank card (debit).
• Category: classic.
• Cashback: up to 30%, accrued in rubles.
• Interest on balance: 0% — no interest is accrued on the account balance.
• Maintenance: the product parameters indicate a cost of 99 RUB alongside a "free maintenance" mark. Final terms depend on the tariff and compliance with the bank's conditions.
• Overdraft: provided with the client's consent.
• Delivery time: from 1 days
• Application review time: from 5 min
• Additionally: the product card also indicates a numerical parameter of 500,000 RUB — its purpose (for example, transaction limit) should be verified with the bank.

All terms may be changed by the bank, so before applying, it makes sense to check the current tariffs on the official website.

Who it may suit

Universal cards do not exist, but based on the set of parameters, this product is logical to consider in several situations:

• For those looking for a debit card with a cash-back program in rubles and a claimed return of up to 30%.
• For those who value speed: decision on the application from 5 minutes, delivery from 1 day.
• For those who do not expect interest income on the balance and are ready to keep funds on the card without interest accrual.
• For those who may eventually find an overdraft useful — it is connected with the client's consent.
• For those interested in products with thematic design: the card is issued with a KHL design.

What to check before applying

Data in reviews and aggregators is for informational purposes only, so you should clarify the details directly with the bank before applying.

• The final maintenance cost and the conditions under which it can be free.
• Full cash-back accrual rules: categories, maximum percentage, and reward amount limits.
• Terms and conditions for connecting the overdraft, as well as related obligations.
• Purpose of the 500,000 RUB parameter specified in the product card.
• Exact delivery times in your region and the list of documents required for application.
• Availability of KHL cards — design and related offers are subject to update.

Please note: meeting the requirements does not guarantee approval — the decision is made by the bank.

How to compare with alternatives

To choose a suitable card, it is useful to compare products by the same criteria, rather than just by cashback amount.