Best cards with 10% cashback

 Features of receiving purchase refunds

Let's start by defining what cashback of up to 10 percent means. The word cashback has English roots and literally translates as "return of cash." On your cards, of course, you will be refunded points and bonuses in cashless form. Most often, terms like points, bonuses, miles, etc., are used for refunds.

The minimum cashback amount is set by the bank independently; it can be 0.5% or another value. The standard minimum accrual system for purchases is most often set at 1%. A cashback line ranging from 2% to 10% is considered elevated. This means that for every 100 rubles of your purchase, the bank will return a cash or bonus equivalent of 2-10 rubles.

10 percent cashback cards – features of receiving bonuses

To draw attention to their banking product, credit institutions develop loyalty programs. The main group of such programs includes accruing elevated cashback of up to 10 percent, as well as interest rates on account balances. The accrual of an increased interest rate has its limitations:

• The bank sets categories or groups of stores that can participate in the loyalty program.
• There is a limit on the cashback amount—usually, a maximum monthly amount is set, though banks may also set an annual accrual limit.
• If the cardholder abuses the cashback, the bank may independently impose restrictions on the use of bonuses.

To understand how cashback of up to 10 percent works—meaning that it is a bonus program with special conditions—you need to carefully review the requirements the bank sets for bonus accrual. The main criterion is determining the categories for which the percentage return to the card account is credited. The most popular categories include:

• Gas stations.
• Food service systems (fast food, restaurants, cafes).
• Entertainment industry (cinemas, theaters, shopping and entertainment centers).
• Supermarkets and hypermarkets.
• Pharmacies.
• Other categories (clothing stores, household appliances, etc.).

For these categories, cashback ranges from 5% to 10% at most financial institutions.

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Alfa-Bank Cash Back card

This is the most popular and in-demand banking product in the category of up to 10 percent cashback. A major commercial bank offers a card with a credit limit of up to 300,000 RUB. Subject to certain conditions, the limit can be increased to 1 million RUB. Both debit and credit cards are available; please specify the card type when applying.

Cashback is accrued based on the following criteria:

• Gas stations category: up to 10%.
• Dining category: up to 5%.
• All other categories: 1%.

To qualify for this cashback, your monthly card spending must reach at least 20,000 RUB. If you fail to meet these conditions, the cashback is halved (reduced by 50%).

T-Bank, Platinum card

This commercial bank offers unique bonus programs with cashback ranging from 3% to 30%. Every cardholder must have a personal account. You can use this tool to check which categories and options are available for earning cashback of 10% and above.

The maximum cashback of 30% is only available at select partner stores and for specific product groups. You can always check your personal account to see which purchases qualify for a guaranteed cashback of 10 percent or more.

Promsvyazbank

The financial institution also offers up to 10% in bonuses on favorite purchases. There is a travel bonus category where you can earn cashback on travel services. Aside from this group, other options are available, but cardholders can only use one active category per calendar month. All other purchases earn 1%.

VTB Bank, Multicard

Cardholders can earn up to 10% cashback in specific categories on their favorite purchases.

• Kollektion section: 4% in bonuses + an additional 11% when shopping at partner stores. Maximum of 5,000 bonuses per month.
• Travel category: 4% bonus, or 5% when paying with a smartphone. Maximum of 5,000 miles per month.
• Restaurants category: 10% cashback, up to a maximum of 3,000 RUB per month.
• Auto category: up to 10%, up to a maximum of 3,000 RUB.

An additional card benefit is the interest on the account balance at 6% per annum. To unlock these privileges, a monthly spending turnover of at least 75,000 RUB is required.

Home Credit Bank, HCB Polza cashback card

Cardholders receive a credit limit of up to 300,000 RUB, along with the option to earn 7% per annum on their account balance, provided they spend at least 5,000 RUB per month. Cashback by category:

• All categories not listed as privileged: 1%.
• Privileged categories (Gas stations, Dining, Travel): up to 3%.
• Special partner store groups: up to 10%.

An important condition for earning cashback with the Polza card. Home Credit Bank partners with a limited number of stores, so it is recommended to review the list of MCC codes for stores that accept these cards to avoid misunderstandings.

Halva installment card from Sovcombank

This is one of the few installment cards where you can get up to 10% cashback or more. According to the user agreement, the following loyalty programs apply for cashback accrual:

• Pay with a smartphone at partner stores and get 6%.
• Pay with a standard physical card at partner stores and get 2%.
• All other stores: 1%.

As you can see, up to 10% cashback on the Halva installment card is most profitable when you use a mobile device (smartphone). For those who applied for the Halva card before January 22, 2019, the following cashback rates apply:

• Smartphone payment at a partner store: 12%.
• Physical card payment: 3%.
• Other stores: 2%.

Additionally, throughout 2022, a special program offers super cashback of 35% (up to a maximum of 5,000 points) when paying with a smartphone at partner stores. This cashback is awarded only once in 2022.

Which 10 percent cashback cards are profitable to get

Our card and loan matching service invites you to apply for 10% cashback cards from Russia's leading banks. Before choosing your bank, consider the following factors:

• Enhanced cashback of up to 10% is available only for specific product categories and stores. If you do not plan to make such purchases, choose a standard card with up to 5% cashback.
• Super cashback of up to 30-40% is available only on selected favorite purchases and exclusively at partner stores listed on the bank's website. If you make such purchases, look out for these cards.
• To guarantee your cashback, keep the bank's requirements in mind: the required monthly card turnover and the required account balance.

These are important aspects of 10 percent cashback cards, allowing you to save money and earn extra if the banking product includes an interest-on-balance option.