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Выбирал между несколькими банками, остановился на «Дебетовая карта «Мудрость» от МКБ». Условия совпали с тем, что было на сайте, заявку обработали без задержек. Минус — не сразу попался раздел про досрочное погашение, пришлось искать в договоре. Если продукт нужен без спешки, можно брать.
Оформление по «Дебетовая карта «UnionPay Diamond» от Газпромбанка» заняло меньше времени, чем ожидалось: заявку рассмотрели быстро, деньги пришли в тот же день. Из минусов — итоговую переплату сразу не видно, пришлось считать. Еще стоит заранее уточнить про досрочное погашение. Для срочной ситуации вариант рабочий, но без запаса по бюджету брать не советую.
Из нескольких похожих вариантов больше всего по платежу и сроку подошел «Дебетовая карта «Mir Supreme» от Газпромбанка». Условия понятные, все есть в договоре. Не понравилось, что итоговая сумма выше, чем выглядит в рекламе. Поддержка отвечает нормально, но по дополнительным услугам лучше переспрашивать.
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Many banks award cashback when clients pay for purchases in stores using bank cards. This is how companies encourage cardholders to use their cards more often. Bonus programs can vary. Some banks may award cashback as real money, which can then be spent at your discretion. Others offer points that can later be exchanged for rubles or spent on purchases within the ecosystem. Still others provide miles, which can then be used to pay for train and plane tickets or hotel bookings.
Features of debit cards with cashback
Nowadays, a debit card is not just a tool for paying for purchases, withdrawing cash, and making transfers. It is also a way to earn a small amount through a bank bonus program.
The entire essence of such loyalty programs lies in cashback accrual. Simply put, this is a refund of a portion of the funds spent on a purchase. Bonus programs may vary depending on the organization that issued the card.
Например, в Т-Банке Банке по карте “Т-Банк Блэк” условия начисления вознаграждения выглядят следующим образом:
- 1% to 15% for purchases in selected categories;
- от 3% до 30% за покупки по спецпредложениям Т-Банк.
And for the Card for Life from VTB, the cashback accrual principle works like this:
- 2% for purchases in cafes and restaurants, public transport and taxis, supermarkets;
- 2% for purchases in pharmacies exclusively for payroll clients;
- up to 50% for purchases in partner stores of the "Multibonus" program.
Banks do not award rewards for all card transactions. Thus, you cannot get cashback for the following:
- card top-ups;
- cash withdrawals;
- payments for mobile communications and internet;
- expense transactions in other banks;
- money transfers to cards;
- loan repayments;
- payment of bank commissions;
- purchase of securities and foreign currency;
- payment for gambling and lotteries;
- top-ups of electronic wallets and much more.
Who can get a debit card with cashback and what documents are required for this?
Almost anyone can get a debit card. Banks usually do not work with visitors from other countries and issue cards only to citizens of the Russian Federation aged 18 and older.
Sometimes banks make exceptions and issue cards not only to adult clients. For example, a kids' card can be obtained from the age of 6, and a youth card from the age of 14.
As for documents, it is usually enough to provide only the passport of a citizen of Russian Federation to apply. In some cases, additional information may also be required. For example, SNILS and INN.
How to get a card with cashback?
Getting a debit card is quite simple — very often you can apply for it in two ways. In the first case, you need to visit the nearest bank branch during business hours with your passport, fill out a short application form with the help of a consultant, sign the agreement, and receive the card.
The second method is applying online on the credit institution's website. Usually, to submit an application, you need to:
- go to the debit card application page on the bank's website and click the "Get Card" button;
- complete a short application form, providing your full name, date and place of birth, passport details, registered address, and actual place of residence;
- choose the card delivery method and click the "Submit Application" button.
What to look for when applying for a debit card?
We do not recommend applying for a card at the very first bank you find — this way you might miss out on truly profitable and more suitable offers. For this reason, when choosing a card, we advise paying attention to the following nuances:
- Whether the bank has a license to conduct operations. You can view this information, for example, on the official website of the Central Bank of the Russian Federation.
- The credit institution's rating and reviews from other clients. This information will help you learn about potential pitfalls in cooperating with the bank. You can find it on relevant websites.
- The number and location of ATMs and branches, and the availability of partner banks. In the future, it will be more convenient for you to use the card and be served by the organization if its offices and devices for top-up and withdrawal are located directly near your home and work.
- Offers from several popular and reliable banks. The more options you consider, the higher the probability that you will pick the most suitable card.
- Based on your own needs and preferences. You need to decide what you expect from the product, such as free maintenance or a rewarding bonus program.
Best debit card offers with cashback in 2024
You can apply for such a card at virtually any bank that serves individuals. However, there are many offers on the market, and choosing the right option can be quite difficult. For this reason, we recommend considering one of the cards suggested below:
Kids debit card from Alfa-Bank 
My Life debit card from UBRD 
VTB Debit Card for Life Advantages and disadvantages of debit cards with cashback
The main advantage of such cards is the ability to get a portion of the money spent on purchases back as bonuses. If you choose a bank with favorable cashback conditions and use the card wisely, you can earn from 2,000 to 3,000 bonus points per month. Furthermore, if the tariff provides for interest on the balance or you additionally open a savings account, you can earn a small income simply by using a debit card.
As for the disadvantages, these often include complex conditions for earning cashback—such as with the Pribyl card from Uralsib, where to get maximum bonuses you need to meet a mass of conditions (make purchases for a certain amount, apply for a credit card or loan, or connect a premium service package).
In addition, banks often offer rather modest cashback. For example, VTB gives no more than 2,000 points for the entire month. And sometimes, if an organization offers a larger amount or no cashback limits at all, it allows you to spend the received bonuses only on purchases within its ecosystem.
Frequently asked questions
In conclusion, we will answer the most frequently asked questions that may arise on the topic of the article.
What benefit does the bank get from issuing cashback?
The more profitable the bonus program, the more actively customers will use their cards. Accordingly, the credit institution will receive more benefits.
How to properly use cash back cards?
To get the maximum benefit from debit cards, we recommend following these rules:
- Analyze your expenses and determine which categories you make purchases in most often. Since many banks allow you to independently set increased cash back categories for the month, you can get good bonuses for your purchases.
- Actively use the card and practically abandon the use of cash. Thus, you will be able to receive cash back even from the most insignificant expenses.
- Обращать внимание на специальные предложения от магазинов-партнеров банка. Например, по карте “Т-Банк Блэк” часто предусмотрено до 25% кэшбэка в таких популярных сетях как: Лента, Магнит, Улыбка радуги, Самокат и так далее.
