Black & KHL debit card from T-Bank

You can get the card completely free of charge — the bank does not charge an additional fee for issuing and reissuing the plastic card. You also will not have to pay for an additional card if you decide to order one.

The maintenance cost for Black & KHL is 99 RUB per month. However, you can use the card for free if you meet at least one of the free maintenance conditions:

• maintain a minimum balance of 50,000 RUB per month across card, savings, and investment accounts, and deposits;
• obtain a consumer loan from T-Bank issued to this card account;
• switch the card tariff to "6.2" and have your salary transferred to it;
• subscribe to "Pro".

If you want to receive notifications about deposits and withdrawal transactions, you can activate the relevant notification service. Its cost is 59 RUB per month for T-Mobile numbers and 99 RUB per month for other numbers.

You can top up your debit card for free using one of the following methods:

• cash in T-Bank ATMs;
• by transferring between your own accounts up to 30,000,000 RUB per month;
• by transferring from another bank's card using the pull method via T-Bank's own service;
• by transferring from another bank's card by phone number via the Faster Payments System (FPS);
• by transferring from another bank's card using bank account details;
• in cash at partner bank ATMs up to 150,000 RUB per month.

You can withdraw cash from your card for free at T-Bank ATMs up to 500,000 RUB per month. You can also do this at devices of other banks from 3,000 RUB per transaction and up to 100,000 RUB per month. If these limits are exceeded, you will need to pay a fee. Its amount is 2%, but not less than 90 RUB.

You can transfer money for free between your own accounts up to 30,000,000 RUB per month, as well as to other T-Bank clients without restrictions. In addition, you can send funds for free to clients of other banks by phone number via the Faster Payments System (FPS) up to 5,000,000 RUB per month.

Transfers by card number are also free here. The limit for transactions is only 20,000 RUB per month. If you exceed this limit, you will need to pay a fee of 1.5%, but not less than 30 RUB.

T-Bank has a profitable loyalty program. By paying with the "Black & KHL" card, you can receive:

• from 1% to 15% cashback for purchases in selected categories;
• from 3% to 30% for purchases made through special offers from T-Bank.

The maximum cashback amount you can receive is 5,000 RUB per month with the "Pro" subscription and 3,000 RUB per month without it. 

The maximum reward amount for purchases in the mobile app under the "City" section depends on the payment category. For example, for purchasing tickets to the cinema, theaters, concerts, and exhibitions, you can receive no more than 5,000 RUB per month in each category. And for purchases through other services, the bank awards no more than 3,000 RUB per month in each category.

The maximum possible cashback provided for purchases at partner stores is no more than 6,000 RUB per month.

T-Bank does not pay interest on the balance of the "Black & KHL" debit card. Therefore, if you have savings and want to earn a small income, you can open a savings account. The maximum yield on it is 12% per annum with the "Private" service. With the "Premium" service, the interest rate is 11% per annum, with the "Pro" service — 10% per annum, and without services — 7% per annum.

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-ups at T-Bank ATMs, via transfers from other banks, and at partner devices;
• free cash withdrawals at T-Bank ATMs and devices of other banks;
• free transfers within T-Bank and to clients of other banks by phone number via the Faster Payments System (FPS) and by card number;
• cashback accrual of up to 30% of the purchase amount;
• cashback credited in actual rubles;
• accrual of up to 12% per annum on the savings account balance.

Cons:

• paid annual maintenance if agreement terms are violated;
• high fees for top-ups, cash withdrawals, and transfers when limits are exceeded;
• no interest on the card balance.