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Tinkoff Black debit card with the "Cat, exhale" design from T-Bank
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About the card
The "Cat, Exhale" debit card is a classic "Tinkoff Black" card from Tinkoff Bank featuring a unique limited-edition design by the Petrick animation studio. This card retains all the same benefits: cash withdrawals and money transfers to other banks without commission, profitable cashback on purchases, and interest on the account balance.
Terms
Issuing the debit card with the "Cat, Exhale" design is completely free of charge, as is courier delivery of the card to your home or office. Plastic maintenance can also be free if the cardholder meets at least one of the following conditions:
- maintain a minimum required balance in accounts and deposits of 50,000 RUB or more;
- take out a loan with Tinkoff Bank with disbursement to this card account;
- subscribe to "Tinkoff Pro" or "Tinkoff Premium";
- switch the card to tariff 6.2.
Additionally, the cardholder can enable transaction and expense alerts. The cost of this service is 59 RUB per month for Tinkoff Mobile subscriber numbers and 99 RUB per month for other numbers.
You can top up this card just like any other Tinkoff Bank card: commission-free via transfers between your own accounts, as well as with cash at Tinkoff ATMs and partner bank ATMs. Transfers to the card are also possible via the following methods:
- by bank card number;
- by phone number via the Faster Payments System;
- via bank account details.
The cardholder can withdraw cash free of charge at Tinkoff Bank's own ATMs and partner bank ATMs for amounts up to 500,000 RUB per month. In addition, the bank charges no commission for cashing out at other banks' ATMs for amounts starting from 3,000 RUB per transaction up to 100,000 RUB per month. If these conditions are not met, the cardholder will need to pay a commission of 2% of the transaction amount, but not less than 90 RUB.
At the time of writing, Tinkoff's partners included:
- Sberbank;
- VTB;
- Alfa-Bank;
- Raiffeisenbank;
- Gazprombank;
- MKB;
- Rosbank;
- Promsvyazbank;
- Uralsib;
- Otkritie.
The cardholder can also make commission-free transfers between their own accounts opened with the credit institution. In addition, the bank does not charge a fee when sending money to other banks via the Faster Payments System for amounts up to 5 million RUB per month. Cardholders can also transfer money by card number for free up to 20,000 RUB per month. For exceeding this limit, they will need to pay a commission of 1.5% of the transaction, but not less than 30 RUB.
By paying with the Tinkoff Bank debit card featuring the "Cat, Exhale" design, the cardholder can earn cashback on purchases:
- from 1% to 15% for purchases in selected increased cashback categories;
- up to 30% for purchases via T-Bank special offers.
The maximum cashback that can be earned on regular purchases is 5,000 bonus rubles with a Tinkoff Pro subscription and 3,000 bonus rubles without it. The maximum reward amount for special offer purchases is 6,000 bonus rubles.
The debit cardholder can earn 5% per annum on a balance of up to 300,000 RUB if they make purchases totaling at least 3,000 RUB per month and subscribe to Tinkoff Pro, Tinkoff Premium, or Tinkoff Private.
| Pros | Cons |
| The bank does not charge a fee for issuing primary and additional cards and reissuing them regardless of the reason | If the conditions for free maintenance are not met, the cardholder will need to pay an annual maintenance fee of 99 RUB per month |
| The bank does not charge an annual maintenance fee if the cardholder meets the free maintenance conditions | If the cardholder exceeds the limits for free cash withdrawals and transfers, they must pay a higher fee for transactions. |
| The cardholder does not need to visit a branch to get the card — a bank courier will deliver it to a designated location at any convenient time | |
| The cardholder can top up the card for free at partner bank ATMs, which include Sberbank, VTB, and Alfa-Bank | |
| Cardholders can transfer money by phone number for amounts up to 5,000,000 RUB per month and by card number for amounts up to 20,000 RUB per month without a fee. | |
| The bank awards up to 30% cashback for purchases at partner stores and from 1% to 15% for purchases in categories chosen monthly by the cardholder | |
| The bank pays 5% per annum on the card account balance if the cardholder meets simple conditions |
How to apply
Since Tinkoff Bank has no physical branches, you can apply for the card with the "Cat, Exhale" design exclusively online — via internet banking or on the official website. First of all, you need to go to the card page and click the "Apply for card" button.
Next, you need to select increased cashback categories, enter the cardholder's last name, first name, and patronymic, mobile phone number, email address, date of birth, and citizenship, and click the "Send" button.
You must complete the application by confirming with an SMS code.
Rates
at third-party bank ATMs for amounts starting from 3,000 RUB per transaction and up to 100,000 RUB per month — free of charge;
at third-party bank ATMs in other cases — 2%, but not less than 90 RUB
to other T-Bank clients — free of charge;
to clients of other banks by phone number via the Faster Payments System — free of charge;
to clients of other banks by card number — 1.5%, but not less than 30 RUB
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