Bank Zenit
Renaissance Bank
LOCO-Bank
T-Bank
Bank Sinara
Credit Europe BankCredit cards with cashback
Articles about credit cards
AllCredit card reviews
AllEditorial auto-review: The virtual card from the Zaimer service is a convenient financial tool for online settlements. The product is aimed at users who value processing speed and digital accessibility without the need to obtain a plastic carrier. On the pages of the Sravnim24 financial portal, you can get acquainted in detail with the current terms of use, maintenance features, and the procedure for obtaining this card. The service allows you to quickly compare the product's parameters with other market offers before making a decision.
Editorial auto-review: The Privilegiya Credit Card of Opportunities from VTB Bank is a premium bank card with an extended grace period of up to 200 days. The credit limit for the product reaches 1,000,000 RUB, and the base interest rate is 24.9% per annum. The card maintenance cost is 2,990 RUB. Application is available to citizens aged 18 and older without income certificates, with cashback of up to 50% provided. Applications are reviewed starting from 5 minutes. The issuance and maintenance terms allow you to effectively manage personal finances within a premium service package.
Editorial auto-review: The 115 Days 0% Interest credit card from Ak Bars Bank is a classic offering featuring free maintenance and a grace period of up to 115 days. You can apply starting from age 18 without providing income certificates, and a decision is made starting from 15 minutes. Cardholders get access to up to 20% cashback and a credit limit of up to 300,000 RUB. This is a functional financial tool for everyday purchases with a long interest-free period.
Best offers
All
A cashback credit card is practically no different from a regular card. However, its main feature is the ability to return a portion of the money spent on purchases in the form of real rubles, bonus points, or miles, depending on the terms of a specific bank.
What is the special feature of credit cards with cashback?
You could say that a cashback credit card is a standard, familiar card. You can use it to pay for purchases, and sometimes even withdraw cash and transfer money during the grace period without paying interest to the bank.
However, their main difference and advantage is the bonus program. Some credit cards, just like debit cards, feature cashback—a refund of a portion of the funds spent on purchases.
Recently, banks have been setting up profitable bonus programs. For example, the "Whole Year Without %" card from Alfa-Bank features categories with increased rewards—you can earn up to 5% of the amount on them. Meanwhile, holders of the "Vozmozhnosty Card" from VTB can get back 2% for purchases in supermarkets. In addition, almost all banks offer increased cashback for paying for goods at partner stores—sometimes it can reach up to 50% of the amount.
The features of such cards include the following:
- availability of cashback for purchases — it allows holders to return part of the spent funds;
- limit on the reward amount — usually banks return no more than 2-3 thousand bonus points per month;
- absence of rewards for paying for goods and services in certain categories — these usually include utilities, mobile communications, internet, fines, taxes, and so on;
- no cashback for cash withdrawals and transfers — no bank provides rewards for such operations;
- additional conditions for receiving cashback — some banks accrue rewards upon meeting additional conditions, such as making purchases for a certain amount.
Who can get a cashback credit card, and what documents are required?
Getting a credit card is much easier than a consumer loan—banks have milder requirements because the risk of debt default is much lower in the case of a credit card.
So, borrowers who meet the following criteria can usually get a card:
- are citizens of the Russian Federation;
- have permanent or temporary registration, a place of residence, and a place of work within the country;
- not younger than 18 and not older than 65 years;
- have a work experience of at least three months at their current job;
- have a total work experience of at least one year;
- have a permanent income not lower than the minimum wage.
Requirements for borrowers may vary slightly depending on which bank the client applies to. For this reason, we recommend reviewing the criteria in advance before submitting an application.
As for documents, a passport of a citizen of the Russian Federation is usually sufficient to issue a credit card. However, if the borrower is applying to the bank for the first time, has no credit history, or is requesting a large amount, the lender may also request additional information. For example, certificates confirming income and place of employment.
How to apply for a card: step-by-step guide
Applying for a credit card is quite simple—in 2024, most financial institutions allow you to do this online. On the official website or in the mobile application if the borrower is already a bank client.
Applying online is simple. This often requires:
- going to the credit card application page and clicking the "Get Card" button;
- filling out a short application form, indicating the desired credit limit, full name, passport data, registration and residential addresses, information about employment, income, and marital status;
- choosing the method of receiving the card, as well as the date, time, and meeting place with a representative in case of courier delivery to your home;
- waiting for the bank's decision and signing the credit agreement.
If it is not possible to apply online, you can do it the traditional way—at a branch of the credit institution. To do this, you need to find the nearest office and visit it during business hours with all the necessary documents (we also recommend clarifying their list in advance).
What should you look for when choosing a bank and credit card?
Before applying for the first available credit card, we recommend considering other offers—there may be banks that offer better terms for maintenance and cashback accrual.
For this reason, when choosing a bank and a card, we recommend paying attention to the following nuances:
- Whether the bank has a license to carry out its activities. You can check this information on the official website of the Central Bank of the Russian Federation.
- Negative reviews from other credit card holders—this will help you find out what pitfalls to prepare for. You can check this information on specialized websites.
- The credit limit. The larger it is, the more expensive purchases you can make. However, keep in mind that the larger the credit limit, the higher the likelihood of falling into a debt trap.
- The grace period—its duration and the transactions it applies to. It is better if it applies not only to purchases, but also to cash withdrawals and transfers.
- The interest rate. The bank charges it on purchases outside the grace period, as well as on cash withdrawals and transfers, if provided for by the tariff.
- Fees. Banks usually charge an additional fee for cash withdrawals and transfers. It is best if there is no fee at all or when performing transactions for a certain amount.
- On the terms and method of cashback accrual. The bank may award cashback as cash, bonus points, or miles. Cashback usage terms may also vary.
Best cashback credit card offers in 2024
You can get a credit card with a rewarding bonus program at almost any bank. However, we recommend paying attention to the following offers
Limit
period
VezdeDohod credit card from Pochta Bank 
MTS WEEKEND credit card from MTS Bank 
Beeline 60 Days Without Interest credit card from Alfa-Bank 
Double Cashback credit card from Promsvyazbank 
Cashback credit card from Gazprombank 
My Freedom credit card from UBRD Pros and cons of cashback credit cards
The main advantage of cashback credit cards is the ability to get back part of the money spent on purchases. Banks typically offer from 1% to 5% cashback depending on the category of goods or services, and up to 30% or 50% for payments at bonus program partner stores. This can be a nice bonus for those who make regular purchases and pay for them with a credit card.
However, such cards also have their drawbacks. First, many banks set limits on the amount of cashback you can receive per month. For example, some financial institutions may only return a specific amount per purchase or limit the total reward size.
Second, some credit cards have less than favorable maintenance terms. For instance, they may feature high annual fees or commissions for cash withdrawals and transfers. In addition, some bonus programs do not apply to certain goods, which may be inconvenient for cardholders.
Conclusion
Overall, cashback credit cards can be useful for those who shop frequently and want to get back a portion of their expenses. However, before applying for such a card, you need to carefully study the maintenance terms, interest rate, and potential fees to avoid unpleasant surprises in the future.
