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Credit Europe BankTinkoff Black Premium debit card from T-Bank
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Articles about debit cards
About the card
"Tinkoff Black Premium" is a premium debit card from Tinkoff Bank. In addition to the privileges provided by a standard "Tinkoff Black" card, it allows holders to earn even higher cashback—up to 60,000 bonus RUB per month, earn with the "Investments Premium" service, order cash delivery to your home, get access to airport lounges worldwide, and receive service via a dedicated support line.
Terms
Issuing a plastic card is completely free. For a metal card, you will need to pay a one-time fee of 1,990 RUB. It can also be free if you use the premium service for at least three months from the date of card receipt. The annual maintenance fee is 1,990 RUB per month. However, it can be free if you meet one of the following conditions:
- opened a foreign currency account;
- maintain a minimum balance of 3 million RUB per month across card, savings, investment accounts, and deposits;
- make purchases of at least 200,000 RUB per month and maintain a minimum balance of 1 million RUB per month across card, savings, investment accounts, and deposits.
Additionally, you can enable transaction notifications. This service is always free.
You can top up your card for free at Tinkoff Bank's own ATMs, as well as by transfer from another bank using any of the methods suggested below:
- by card number;
- by phone number via the Faster Payments System;
- via bank account details.
You can also top up your card for free at Tinkoff partner ATMs, provided the transaction amount does not exceed 500,000 RUB per month. Otherwise, you will need to pay a 2% fee.
You can withdraw cash for free at Tinkoff Bank's own ATMs up to 500,000 RUB per month. For exceeding this limit, you will need to pay a 2% fee, with a minimum of 90 RUB. Additionally, you can withdraw cash for free at other banks' ATMs using funds from matured deposits and loans issued to the card account. In other cases, you will need to pay a 2% fee, with a minimum of 90 RUB.
You can transfer money for free between your own accounts within Tinkoff, as well as to other bank clients. You can make transfers to other credit institutions without a fee by phone number via the Faster Payments System.
Furthermore, you can transfer money to clients of other banks for free via card number up to 100,000 RUB per month. For exceeding this limit, you will need to pay a 1.5% fee, with a minimum of 30 RUB.
By paying with your debit card, you can receive:
- from 1% to 15% of the spent amount for purchases in selected categories;
- up to 30% for purchases made via special offers from T-Bank.
The maximum cashback amount you can receive for purchases in selected categories is 30,000 bonus RUB per month. For purchases via special offers, the bank also awards no more than 30,000 bonus RUB per month.
You can earn 5% per annum on balances up to 300,000 RUB without any conditions.
Pros:
- free issuance of primary and additional cards, as well as their reissue;
- free courier delivery of the card to your home;
- free card maintenance subject to the terms of the agreement;
- free use of the mobile app and online banking;
- free card top-up at Tinkoff ATMs, via transfers from other banks, and at partner devices;
- free cash withdrawal at T-Bank ATMs and other banks' devices;
- free transfers within T-Bank and to clients of other banks by phone number via the Faster Payments System and by card number;
- cashback accrual of up to 30% of the purchase amount;
- up to 5% per annum interest on card balance;
- access to "Investments Premium";
- option for home cash delivery;
- access to airport lounges;
- dedicated support line.
Cons:
- paid annual maintenance if agreement terms are violated;
- high fees for top-ups, cash withdrawals, and transfers when limits are exceeded.
How to apply
Tinkoff Bank has no physical branches, so you can only apply for a debit card online—on the official website or in the mobile app. To do this, you need to:
- go to the T-Bank website;
- click the "Become a premium client" button;
- select the card type, specify the categories for increased cashback, your full name, mobile phone number, email address, date of birth, and
- citizenship;
- click the "Apply" button;
- enter the confirmation code from the SMS message;
- provide the full delivery address, date, and time of the meeting with the courier;
- click the "Order Delivery" button.
Rates
at third-party bank ATMs for amounts 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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