Tinkoff Black debit card from T-Bank

The issuance of primary and additional cards, as well as their reissue and courier delivery to your home or office, are completely free. The annual maintenance fee is 99 RUB per month. However, it can be free if you meet one of the following conditions:

• maintain a minimum balance across card, savings, investment accounts, and deposits of at least 50,000 RUB per month;
• have a loan with T-Bank issued to this card account;
• have an active "Tinkoff Pro" subscription.

Additionally, you can enable transaction alerts. The cost of this service is 59 rubles per month with a Tinkoff Mobile subscriber number and 99 rubles per month without it.

You can use the mobile app and online banking free of charge. The bank also charges no fees for notifications regarding card issuance, top-ups, activation, blocking, or for transactions made via online banking and the mobile app.

You can top up your card for free at Tinkoff Bank's own ATMs, as well as by transfer from another bank using any of the methods suggested below:

• by card number;
• by phone number via the Faster Payments System;
• via bank account details.

You can also top up your card for free at partner bank ATMs, provided the transaction amount does not exceed 150,000 RUB per month. Otherwise, you will need to pay a 2% commission.

You can also withdraw cash for free at T-Bank's own ATMs for amounts up to 500,000 RUB per month. Exceeding this limit will incur a 2% fee, with a minimum of 90 RUB. In addition, you can withdraw cash for free at ATMs of other banks if you meet the following conditions:

• you withdraw at least 3,000 RUB per transaction;
• you withdraw no more than 100,000 RUB per month. 

In other cases, you will need to pay a 2% fee, but not less than 90 RUB.

You can transfer money for free between your own accounts within T-Bank, as well as to other bank customers. You can make fee-free transfers to other credit institutions by phone number via the Faster Payments System for amounts up to 5 million RUB per month. 

In addition, you can transfer money to clients of other banks for free via card number up to 50,000 RUB per month with an active "Tinkoff Pro" subscription, and up to 20,000 RUB per month without one. For exceeding this limit, you will need to pay a 1.5% commission, but no less than 30 RUB.

Like other banks, T-Bank rewards its customers for using their debit card and offers cashback on purchases. You can receive:

• from 1% to 15% of the spent amount for purchases in selected categories;
• up to 30% for purchases made via special offers from T-Bank.

The maximum cashback amount for purchases in selected categories is 5,000 bonus rubles with an active Tinkoff Pro subscription and 3,000 bonus rubles per month without it. For purchases via special offers, the bank awards no more than 6,000 bonus rubles per month. Cashback is credited to the card in real rubles, so you can spend it at your discretion.

You can earn 5% per annum on a balance of up to 300,000 RUB, provided you make purchases totaling at least 3,000 RUB per month and have an active Tinkoff Pro, Tinkoff Premium, or Tinkoff Private subscription.

Pros:

• free issuance of primary and additional cards, as well as their reissue;
• free courier delivery of the card to your home;
• free card maintenance subject to the terms of the agreement;
• free use of the mobile app and online banking;
• free card top-up at Tinkoff ATMs, via transfers from other banks, and at partner devices;
• free cash withdrawal at T-Bank ATMs and other banks' devices;
• free transfers within T-Bank and to clients of other banks by phone number via the Faster Payments System and by card number;
• cashback accrual of up to 30% of the purchase amount;
• cashback credited in actual rubles;
• up to 5% per annum on the card balance.

Cons:

• paid annual maintenance if agreement terms are violated;
• high fees for top-ups, cash withdrawals, and transfers when limits are exceeded.