Cashback cards. Best offers

Comparison of the Best Cashback Cards

We have selected 14 cards that, in our opinion, deserve special attention because they feature the best and most convenient loyalty programs with cashback rewards.

Bank/Card	Maintenance cost	Availability of interest on the account balance	Cashback
Home Credit Bank, Polza card	From 0 RUB to 1188 RUB	Up to 7 %	Up to 15 %
Tinkoff Bank, Black card	From 0 RUB to 1188 RUB	Up to 10 %	Up to 30 %
Alfa-Bank, CashBack card	From 0 RUB to 1200 RUB	Up to 6 %	Up to 10 %
Rocketbank, Debit	0 RUB	Up to 5.5 %	Up to 10 %
Otkritie, Opencard	0 RUB	no	Up to 11 %
Svyaz-Bank, UltraCard	From 0 RUB to 1788 RUB	Up to 5 %	Up to 10 %
UniCredit Bank, Chetverka card	From 0 RUB to 2988 RUB	Up to 6.5 %	Up to 20 %
Rosbank, #VseMozhet (#CanDoAll) program	From 0 RUB to 2987 RUB	no	Up to 10 %
Raiffeisenbank #Vsesrazu	0 RUB	Up to 5.5 %	Up to 3.9 %
Home Credit Bank, Polza Travel card	From 0 RUB to 2388 RUB	no	Up to 11 %
Home Credit Bank, InGame Travel card	From 0 RUB to 708 RUB	no	Up to 10 %
Alfa-Bank, Alfa Card	From 0 RUB to 1200 RUB	Up to 6 %	Up to 2 %

Cashback cards have their advantages, offering both cashback and interest on the account balance as part of their loyalty programs.

Home Credit Bank, Polza card

This is the most popular debit card featuring an all-purchase cashback option. Polza cashback cards allow you to earn extra dividends from storing and using your own funds. Make purchases and get guaranteed cashback in the following categories:

• At bank partners – 10% cashback always.
• In the "Pharmacy" and "Gas Station" categories – 3% cashback.
• When visiting cafes, restaurants, and fast food spots, 3% is always returned.
• In all other unlisted categories – 1%.

In addition, for a period of 30 to 365 days, you can choose categories with a 3% return, specifically:

1. Children's goods.
2. Clothing.
3. Entertainment industry.
4. Everything for home and renovation.
5. Electronics group.
6. Health and beauty group.
7. Pets.

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Tinkoff Bank card - Black

The most "honest" card where you can get double benefits – interest on your savings and cashback on certain product groups. Cash can be withdrawn from the card at any ATM worldwide. Cashback is returned once a month as real money to the card account.

Cashback program:

• On all purchase categories – up to 1%.
• On special categories – 5%.
• Special promotions and offers – 30%.

Cashback cards can only be ordered for delivery via courier or postal mail.

Alfa-Bank, advantageous CashBack card

The Alfa-Bank Cashback Card is a popular banking product thanks to its engaging loyalty programs that leave no one indifferent. To get the most out of the card, you need to spend at least 70000 RUB every month. The cashback terms are as follows:

• Visiting gas stations and refueling – 10%.
• Visiting restaurants and cafes – 5%.
• Other categories – 1%.

Please note that if you spend less than 70000 RUB per month, the cashback is accrued proportionally to the spent amounts, meaning 2 times less across all categories.

With the Alfa-Card, you can earn 7% interest on your personal savings balance, as well as 3% cashback. Card maintenance is free if you maintain a balance of 30000 RUB and make purchases of 10000 RUB per month. If these conditions are not met, the maintenance fee is 100 RUB per month.

Otkritie Bank, Opencard

Otkritie Bank offers the Opencard, which features a profitable cashback system, although some conditions are unclear. To make full use of the cashback, you need to consider the nuances of the loyalty program. Initial card issuance costs 500 RUB.

If you choose the 3% cashback, earnings are structured as follows:

• Make purchases from 5000 RUB and get 1% cashback.
• Pay using the mobile app for additional purchases starting from 1000 RUB and get an extra 1% cashback.
• Maintain a card balance starting from 100000 RUB and get an additional 1%.

If you choose the 11% cashback, you must meet the following conditions:

• Select categories that fit this program.
• Make card purchases of 5,000 RUB or more to earn 1% cashback.
• Pay for purchases via the mobile app in the amount of 1,000 RUB or more and get an additional 5% cashback.
• Maintain a balance of 100,000 RUB or more to get an additional 5% cashback.

Please note that the bank awards a maximum of 15,000 points per month.

Rocketbank cashback debit cards

Bank customers can choose from two types of cashback debit cards: Cozy Cosmos and Open Cosmos. Key card terms:

• You can withdraw cash up to 10 times a month at any ATM worldwide.
• Interest on personal savings is accrued at up to 5.5% per annum.
• Earn 10% cashback in the Favorite Purchases category.
• 1% cashback on all purchases.

You can pick up the card at the bank or order courier delivery.

Svyaz-Bank, UltraCard plastic card

An important card condition: you must spend at least 10,000 RUB monthly to waive the annual maintenance fee. If this condition is not met, a monthly maintenance fee of 149 RUB applies. Loyalty programs are available, allowing you to earn 5% interest on the accumulated balance, as well as 1% to 10% cashback on selected purchase categories.

Rosbank, #VseMozhet (#CanDoAll) cashback cards

The bank offers a choice of three programs: Gold, Classic, and Premium. General terms are as follows:

• You can select categories and get up to 10% cashback.
• Travel bonuses are available with 5 categories where you can earn rewards for every 100 RUB spent.

Free maintenance is available for each category if certain conditions are met:

• Classic. Spending of 15,000 RUB, balance from 100,000 RUB. Non-compliance fee: 149 RUB per month.
• Gold card. Spending of 40,000 RUB or more, balance from 500,000 RUB, non-compliance fee: 499 RUB per month.
• Premium. Spending of 100,000 RUB, balance of 3 million RUB, or combined spending of 75,000 RUB and a balance of 1.5 million RUB. Non-compliance fee: 3,000 RUB per month.

UniCredit Bank, Chetverka card

Essentially, this is a transport debit card featuring 4 categories with elevated cashback:

1. Gas stations.
2. Car-sharing system.
3. Public transport.
4. Taxi services.

In addition, the following cashback rates apply to purchases:

• Categories up to 10,000 RUB — 1%.
• Categories of 10,000–15,000 RUB — 5%.
• Categories over 15,000 RUB — 10%.

Please review the tariff plan's maintenance terms to make the most of the Chetverka card.

Home Credit Bank, Polza Travel card

The card is designed for travelers, offering an extensive loyalty program. You need to enable the "Polza" option, which allows you to earn cashback according to the following rules:

• Purchases at all stores in Russia — 1%.
• Purchases at all stores outside Russia — 3%.
• Spending in the "Travel" category — 5%.
• Purchases from bank partners — 11%.

Additionally, the card includes Concierge service, travel insurance abroad, etc.

Home Credit Bank Polza card, InGame category

A special card for gamers and young people. There are special cashback terms for players:

• Pay for mobile gaming communications and gaming online stores to get 5% back.
• Get 3% back in the Restaurants and Cafes category.
• Get 10% back at bank partner locations.

1% cashback for all other categories.

Sberbank Youth cashback cards

A special Sberbank cashback card designed for young people aged 14 to 25. The annual card maintenance fee is only 150 RUB.

• Funds can be transferred to each other within the bank free of charge, except when Sberbank is in another region.
• You can get cashback in the form of bonuses up to 11%.
• The bonuses earned can only be spent at bank partners participating in the "Спасибо от Сбербанка" program.

Promsvyazbank, Your Cashback card

A special cashback card for everything. You can get an increased cashback of 5% in 3 categories; in this case, you need to choose three out of 16 categories for which the refund will be accrued. Additionally, 5% is accrued on the current account balance.

• Instant card approval.
• You can get discounts at partners of up to 20%.
• Increased cashback of up to 5%.

Categories can be changed every month, up to a maximum of three.

Raiffeisenbank #Vsesrazu (#AllAtOnce) card

A unique banking product with no analogues in the Russian segment. It is enough to mention the important advantages of the cashback card:

• You can get a guaranteed return on your account balance of up to 5.5%.
• A profitable scheme for converting earned bonuses into rubles is provided.
• Upon the first card transaction, we receive a welcome bonus of 300 points.
• For the New Year, we receive 200 points from the bank.
• On our birthday, we additionally receive 300 points from the bank.
• Cashback on all purchases is 3.9%.

The card features an interesting conversion scheme. When you accumulate 20,000 points, you can exchange them for 50,000 RUB.