Best Cashback Credit Cards

Best Cashback Credit Cards

We have prepared the 5 most profitable cashback credit cards for you. For convenience, key information is presented in a table.

Т-Банк “Т-Банк Платинум”

• maximum credit limit — 700,000 RUB;
• grace period — up to one year;
• interest rate outside the grace period — from 12% per annum.

Длительность льготного периода по карте “Т-Банк Платинум” зависит от того, каким образом вы тратите заемные средства:

• up to 55 days are provided for paying for goods and services in retail and online stores;
• up to 120 days — for repaying loans issued by other banks;
• до одного года — за покупки товаров в рассрочку в магазинах-партнерах Т-Банк.

The bonus program here is standard:

• the bank awards 1% for regular purchases;
• from 3% to 30% — for purchases at partner stores.

The bank awards cashback in bonus points. You can spend them on refunds for railway tickets and purchases in cafes..

Alfa-Bank "Whole Year Without Interest"

• maximum credit limit — 500,000 RUB;
• grace period — up to one year;
• interest rate outside the grace period — from 11.99% per annum.

Alfa-Bank offers new clients a grace period of up to one year. It applies to all purchases made within the first 30 days from the date of signing the agreement. From the 31st day of use, the standard interest-free period applies — 100 days from the beginning of the billing month.

There is no standard cashback here. However, you can receive up to 33% for purchases at Alfa-Bank partner stores.

VTB "Card of Opportunities"

• maximum credit limit — 1 million RUB;
• grace period — up to 110 days;
• interest rate outside the grace period — from 19.9% per annum.

The maximum interest-free period here is 110 days. This is significantly less than that of the previous competitors. However, the advantage of this grace period is that it applies not only to paying for goods and services, but also to cash withdrawals and transfers.

The bonus program here is a bit more interesting:

• the bank awards 2% for purchases in the "Transport and Taxi", "Cafes and Restaurants", "Supermarkets" categories;
• 2.5% — for purchases in the "Transport and Taxi", "Cafes and Restaurants", "Supermarkets" categories for payroll clients;
• up to 50% — for purchases at VTB partner stores.

MTS Bank CASHBACK

• maximum credit limit — 1 million RUB;
• grace period — up to 111 days;
• interest rate outside the grace period — from 11.9% per annum.

The grace period at MTS Bank is nothing out of the ordinary — it is up to 111 days and applies only to payments for goods and services.

As for the cashback accrual terms, they are as follows:

• 1% is awarded for standard purchases;
• 5% for purchases in enhanced cashback categories;
• another 5% for purchases at LUKOIL gas stations, as well as in supermarkets and food delivery services until August 31, 2022;
• up to 25% for purchases at partner stores.

UBRD "My Freedom"

• maximum credit limit — 700,000 RUB;
• grace period — up to 120 days;
• interest rate outside the grace period — from 11.9% per annum.

The maximum grace period for the My Freedom card is 120 days. There is nothing special about it, as it only applies to the payment for goods and services in retail and online stores.

However, the maximum cashback you can get is 35%. The bank awards it for paying for goods and services at UBRD partner stores.

Подведем итоги. Условия по всем кредитным картам схожи. Если вам важно начисление бонусов, советуем обратить внимание на “Т-Банк Платинум” от Т-Банка Банка и на “Карту возможностей” от ВТБ — по ним банки предлагают наиболее выгодные для заемщиков условия.