TOP 5 cashback cards

What is card cashback

To ensure that shoppers remain loyal and regular customers when making purchases at their favorite stores, leading Russian credit institutions have developed loyalty programs featuring a bonus accrual system known as cashback. This is an English word literally translated as cash back. Today, the best profitable credit cards with cashback in the TOP 10 are represented by popular banking products that have earned the attention and trust of potential consumers.

The average refund percentage ranges from 1% to 10%, with some banks ready to provide up to 30%-40% cashback on certain items. Cash back to the card can be obtained both for all store groups at 1-2%, and for specific categories at 5-10%, which include gas stations, the entertainment industry, cafes, restaurants, pharmacies, etc. Special cashback offers ranging from 10% to 40% apply only to specific product groups, and it is specified in which stores you can make profitable purchases with guaranteed accrual of increased cashback.

Banking organizations value their reputation, and the accrual of cashback guarantees them high trust not only from cardholders, but also from stores that pay a decent percentage to the credit institution for the customer making a purchase specifically through them using a cashback card.

TOP 5 best cashback cards of 2024

Below is the TOP 10 cashback cards, with the ranking compiled based on publicly available information, data from cardholders, and open information posted on the issuing bank's website.

Credit Europe Bank card “Urban Card«

According to the bonus program, the following cashback is provided:

• In the "Public transport" category — 10%.
• Gas stations, parking, taxis, carsharing, tire fitting, toll roads – 5%;
• Car and motorcycle rental — 3%;
• In other categories — 1%.

Accruals are made in points, which can later be exchanged for rubles.

Card maintenance, like its issuance, is 0 RUB. Courier delivery is available. The maximum allowable credit limit is 600,000 RUB.

Card from “Sovcombank»

Advantages of the Halva installment card with cashback:

• Completely free issuance and no annual maintenance fee (for standard design cards only).
• Up to 15% per annum can be accrued on the account balance under certain conditions.
• Maximum cashback is available when using a smartphone. The cashback rate is up to 10%.
• You can withdraw cash at ATMs in amounts up to 150,000 RUB.

The issuing bank has tens of thousands of partner stores for Khalva where you can get good cashback.

SberKarta from Sberbank

Cashback of up to 10% is available for 3 selected categories. With the SberPrime subscription, you can choose 4 or 5 categories. Cashback of up to 1% is available on other purchases.

You can also get up to 70% cashback on purchases at Sberbank partner stores.

Annual maintenance costs 150 RUB, but with the SberPrime subscription, it is free, as are SMS notifications.

Alfa-Bank, with the cashback card "Alfa-Card»

One of the most interesting banking products featuring an attractive tiered cashback scale.

• Cashback on everything instead of one of the categories.
• Up to 30% in categories of your choice.
• Up to 50% at bank partners.
• Up to 100% on a random category on the cashback wheel.

You can also link Alfa Pay to the card for smartphone payments.

T-Bank, card Tinkoff Black (debit)

One of the few cards in the top 10 for cashback that offers a high interest rate on certain purchase categories — up to 30%. However, bonuses will not be accrued if you make transfers, top-ups, etc. using the card. You can check the terminal codes ineligible for cashback on the T-Bank website.

Standard cashback accrual scheme for T-Bank banking products:

• 1% on all purchase categories.
• Up to 15% guaranteed refund on purchases in 3 selected categories.
• 30% refund on promotional programs at partner stores.