How to get a cashback debit card in 5 steps. 1 + 6 most popular banking products

Who benefits from cashback

Cashback debit cards are in high demand. For example, let's take the Otkritie Opencard and calculate its bonuses. If you choose one of the categories where the program offers up to 11% cashback, spending 20,469 RUB per month will earn you 2,456 RUB back over the year. Similar calculations can be made for the second category — 3% cashback on all purchases. If total monthly spending is 40,000 RUB, the annual cashback is 14,400 RUB.

That is why debit cards with cashback are profitable:

• To cardholders. They help save money.
• To financial institutions. We use their services, increasing the volume of cashless transactions.

Please note! Bonuses are credited only for cashless payments. Compensation is not provided for cash withdrawals or card-to-card transfers.

• To merchants. Banks cooperate with them to attract customers. To receive bonuses when buying goods or paying for services, it is important to know the MCC code.

What an MCC code is

An MCC code is a 4-digit set assigned to a transaction made with a bank card. Every merchant has such a code. If the same merchant operates in several areas, each of them has its own set of digits. Cashback on the card is awarded for specific payment categories according to the relevant MCC codes. You can find them in the cashback rules for your card. When you use a debit card for payment, the bank checks the MCC of the transaction and credits (or does not credit) the cashback.

Fast-food restaurants are assigned code 5814, clothing stores — 5621, taxi services — 4121, etc.

Please note! If a store has the wrong MCC code, nothing can be fixed after the transaction is completed. The only thing you can do is return the item and get your money back by informing the seller of the mistake.

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What to look for when choosing a debit card with cashback

A debit card helps you quickly pay for a purchase, bypassing the terminal. When choosing the best debit card with cashback and interest on the balance for 2022, pay attention to the following parameters.

• Reputation and reliability of the financial institution. To figure out if you want to be served by the chosen bank, look at ratings and read reviews. Do not be afraid to dial the provided phone number and ask questions to a consultant. Based on their answers, determine how qualified the staff is at that institution.
• Service comfort and accessibility. It is unlikely to be convenient for you to use the services of a bank that does not have a mobile app and online banking, and whose offices are located a few kilometers away from your location.
• Cashback features. If you have a car, it is better to choose debit cards with cashback on gas. If you frequently use other services, choose a product that allows you to get compensation in those categories.
• Annual maintenance cost. Many banks do not charge for maintenance and offer profitable bonuses.
• Cashback redemption terms. It is important to choose the most convenient one — rubles, bonuses, or miles.

We should not forget that a universal card does not exist. What suits one client does not appeal to another.

How to order a cashback debit card — 5 steps

The process of getting a bank card is roughly the same across all banks.

1. You choose the best debit card for all purchases or in a specific category on our service.
2. You click the virtual "Apply for card" button and are redirected to the official website of the selected financial institution.
3. You fill out the application accurately, without errors and typos. To avoid rejection, enter reliable information.
4. You check the data and submit the application to the bank.
5. You wait for the decision and pick up the card in the specified way.

Note! Cards are usually delivered by mail or courier service. They can also be picked up at a bank branch.

Debit cards with high cashback — 2022 ranking

When compiling the list of the best debit cards with cashback, we were guided by our own expertise.

1. CashBack Debit Card from Alfa-Bank

The program provides bonuses in various categories. By spending from 10,000 RUB per month at gas stations, you get 5% back. For restaurants and cafes — 2.5%. Cashback on everything — 0.5%. At the same time, you can get back no more than 5,000 RUB per category, and up to 15,000 RUB per month. With an increase in card spending up to 70,000 RUB, the compensation amount doubles.

Please note! Issuing the "Premium" service package gives the right to receive up to 21,000 RUB in bonuses per month.

CashBack card issuance is free of charge.

Tinkoff Black is a card with free maintenance

This is a dual-income card. It allows you to earn up to 6% on the balance and the highest cashback. For purchases in stores and cafes that are bank partners, you will receive bonuses in the amount of up to 30% of the spent amount. Cardholders have the right to choose one of three categories and receive 5% compensation + 1% for every 100 RUB spent.

Card No. 1 (Vostochny Bank)

The advantage of the plastic card is increased bonuses + income on the balance. The bank returns up to 5% on all purchases and credits 7% on the balance.

Please note! You can order a Children's Card for free with Card No. 1.

"Your Choice" is an OTP Bank card

If you want to choose the necessary options yourself, pick the "Your Choice" payment tool. The "Purchases" option is suitable for fans of free top-ups and high cashback. The program provides up to 10% cashback in the form of bonuses + up to 6% on the balance. Choosing the "Savings" option will give you 1% in bonuses + up to 6.6% on the balance.

"Generous Sun" card (Fora Bank)

If you are looking for the ideal debit card with cashback on all purchases, Generous Sun is a great option. Despite the fee for servicing (60 RUB), you can get up to 20% of your spent money back in bonuses. Money is returned when you buy goods at partner stores and from each card transaction. You can accumulate bonuses by participating in promotional programs from the bank.

#VseSrazu debit card from Raiffeisenbank

Cardholders get back up to 3.9% for all purchases. By opening the "Everyday" savings account, you will receive a yield of up to 5.5% per annum. Various discounts of up to 20% off the product price from Raiffeisenbank partners are also provided. Cash withdrawals at "home" ATMs and partner terminals are free of charge. In other cases, a commission of 1% of the amount is charged, but not less than 100 RUB.

Cashback debit cards allow you to earn on purchases, lunches in cafes, restaurants, and gas stations. It might seem like a small percentage, but a tidy sum adds up over a month or a year. Therefore, you should not be afraid of bonus programs and consider cashback a gimmick. Apply for the #VseSrazu, "Generous Sun" or "Your Choice" debit card and see their benefits for yourself.