Review of the Alfa-Bank Cash Back Credit Card

Want to earn 36,000 rubles a year in cashback? Then we suggest applying for the Alfa-Bank Cash Back credit card, where you can get up to 300,000 rubles on your account and make a good profit on purchases by receiving up to 10% cashback on certain groups of goods and services. This card is an attractive banking product for those who constantly drive. Cardholders are guaranteed to get back up to 10% of funds spent on all purchases at gas stations, including fuel and lubricants, credited back to their card account. The main condition of the Alfa-Bank Cashback credit card is that you need to make monthly purchases of at least 20,000 rubles to receive guaranteed cashback. For example, if you own a car and refuel at a gas station for 20,000 rubles every month, the bank returns 2,000 rubles in bonuses to you. This is an excellent solution for families with multiple vehicles.

An additional plus of the card is its long grace period of 60 days. So, if you pay on time, you might not pay any interest at all. Now let's do the math. You buy gas 12 months a year, get 24,000 rubles in cashback, plus you can earn bonuses on other purchases. However, keep in mind that the bank will return a maximum of 36,000 rubles in cashback on the Alfa-Bank credit card per year. Even considering that you have to pay an annual card maintenance fee of 3,990 rubles, you still come out way ahead thanks to the large cashback of 32,010 rubles minus the card maintenance fee.

Important terms for the Alfa-Bank Cash Back credit card

Make purchases of at least 20,000 rubles every month and get guaranteed cashback, for example, 2,000 rubles at gas stations.

• Maximum cashback per month is 3,000 rubles, and no more than 36,000 rubles over 12 months.
• Get 10% cashback on any gas station transactions.
• Visit restaurants and cafes, make purchases, and get a guaranteed 5% cashback.
• Make purchases at any store and get a guaranteed 1% cashback.
• If a payment is overdue, no cashback is accrued.
• Cashback calculation: 1 ruble equals 1 point.
• Cashback points are credited on the last day of the month following the billing month. For example, if you make purchases in August, cashback is credited on September 30, and so on.

Additionally, according to reviews of the Alfa-Bank Cashback credit card, you can get partner discounts of up to 15%. The interest-free period starts on the first day of the transaction. Mobile versions of the card are available for Apple Pay and Samsung Pay. The fee for transferring balances from third-party banks is 0%. To receive cashback, you must make transactions totaling at least 20,000 rubles.