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CashBack credit card from Alfa-Bank
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About the card
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.
Terms
To get an Alfa-Bank Cash Back credit card, the borrower must meet certain criteria set by the credit institution.
To receive a credit line ranging from 30 thousand to 70 thousand RUB, it is sufficient to provide additional documents (SNILS, etc.). For amounts exceeding 70 thousand RUB, proof of financial solvency is required. In some cases, if the borrower complies with the lending terms and has a positive credit history, the bank may unilaterally increase the credit limit up to 700 thousand RUB.
The loan matching service will help you choose a profitable cashback credit card that covers all your shopping expenses and helps you earn additional bonuses in the form of cashback. If you meet all lending terms during the 60-day grace period, you will not have to pay interest.
To get the card, you need to do the following.
- Review the offer available to you on our service
- Follow the link to the partner bank's website.
- Fill out the application form in accordance with the requirements of the financial and credit institution.
- Determine your region of availability to receive the card.
- Submit your application and wait for a response within 24-48 hours.
The Alfa-Bank website lists the regions where the program is active and where you can get a credit card with cashback from Alfa-Bank.
- You must have Russian citizenship, which is confirmed by the data of a standard Russian internal passport.
- The minimum age of the borrower is 18 years.
- Employment verification is required, with at least 3 months of work experience.
- Official income must be at least 5,000 RUB (all regions of Russia), and for Moscow - 9,000 RUB. The amount is calculated after taxes.
- Registration in the same region as the bank's location.
- To increase the chances of application review and approval, you must provide data for a second document – SNILS, driver's license, health insurance, or international passport.
- For a more favorable loan offer up to 300,000 RUB, you must provide income details, as well as an international passport with a stamp showing travel outside of Russia, and a copy of a voluntary medical insurance (DMS) policy.
So, you have become the owner of a cashback credit card from Alfa-Bank; now you need to comply with all conditions that provide for timely payment and debt repayment. The following options are available to bank clients for tracking credit card data:
- Via internet banking, which is available on a PC or mobile device via Alfa-Click.
- Mobile banking: download and install the Alfa-Mobile application.
- Through the "Alfa-Consultant" support service (by calling the hotline).
- At a local bank branch or in any region.
You can find out the initial approved limit in the exact same way. In addition, if there is an ATM nearby, you can order an Alfa-Check statement, which will show you all detailed information about the credit card.
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Answers to questions
How long will my application take to process?
The bank has set a period of 24-48 hours. However, in some cases, to verify the specified data, the application review period may be extended up to 5 business days.
How can I find out the bank's decision on card approval?
If you live in Moscow, you need to call +7 (495) 78-888-78; for borrowers from other regions, call 8 800 200-00-00
Who will deliver my credit card?
The bank does not deliver credit cards via courier service (this service is partially available for Moscow). After approval, you need to visit a bank branch.
How can I activate the card?
You can call 8 800 200-00-00 (dialing digit 4), or do it directly at a bank branch
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