For any Sberbank cards, cashback is provided in the form of a bonus program Thank you from Sberbank. Regardless of the category, payment system and type of card (debit, credit), the owner takes part in the program and receives points.
Cashback for bank cards of Sberbank
In the usual sense, there is no cashback in the Savings Bank. A credit or debit card does not give its owner the opportunity to return part of the money spent on a product or service. The system of rewarding loyal customers here is different, but more familiar to a wide range of people, including retirees.
Cashback in the form of a return of part of the money spent from the card by bank transfer is not provided in Sberbank.
Thanks from Sberbank
In Sberbank, a card with cashback is almost any bank card with the Thank you program. With its active use in non-cash payments, bonuses are awarded in the form of points when paying for goods and services. In the future, the accrued points are exchanged for discounts in the partner companies of the bank.
That is, if there is the required number of bonus points, before paying the check, the cardholder specifies how much of the purchase he plans to pay with money, and how much of their equivalent from bonus points. In this case, the specified amount and points are debited from the card at the same time.
Please note that when you return an item for the purchase of which the Thank You bonuses were accrued, the transaction is canceled and the bonus account is reduced by the accrued number of points. In a word, they returned the goods - the bank canceled the points.
Do not rush to be upset that your card issued by Sberbank does not have a cashback in the usual sense. The percentage of the latter is limited and does not change from external conditions. The accrued points can be increased depending on the rules of the partners' promotions. Under certain conditions, points are exchanged for real discounts, that is, the necessary thing can be bought for 1 ruble, paying 99% of the cost with points.
Every Sberbank card holder can become a member of the program using a convenient way to join the promotion You can use the points accumulated under the Thank you program only if you actively use the card. Upon expiration of the plastic or its blocking, access to bonuses is closed. Points cannot be used.
Features of the accrual of bonuses
In fact, the Thank You bonus program is a profitable cashback option for Sberbank cards. When using the card, points are awarded:
- 0.5% for any purchases;
- When using the card in partner companies of Sberbank - up to 50% of the amount spent.
By paying with a Sberbank card and participating in the Thank you promotion, you can save up to 20,000 rubles on your bonus account for one billing period (it is equal to 1 calendar month). The bank does not award points over the specified amount.
Bonuses are credited in five or forty calendar days. The period depends on the amount of the transaction. Up to 15,000 rubles is the minimum period, over this amount - the expectation of accrual will be up to one and a half months.
If there have been no financial transactions on the card for 12 months, the bank will cancel the points. Bonuses expire if they have not been spent within 36 months from the date of accrual The bank does not provide for the accrual of points under the Thank you program for Aeroflot co-branded cards (credit and debit cards). In addition, there is a slight limitation related to the use of Instant, Electronic and Maestro cards (except Social). For them, a limit on bonus operations is set in the amount of 20 thousand rubles for one reporting period. In the next reporting period, the receipt of points for purchases will resume.
Program partners
In Sberbank, cash back in the form of bonus points is credited to the card for purchases in any retail outlets in a small amount (0.5% of the check). The most beneficial is the use of cards in partner companies.
Partners regularly hold promotions with an increase in the percentage of deductions in the form of points. Program participants have the opportunity to regularly track up-to-date information about the partners themselves, their promotions, the amount of bonuses in a particular firm, company, brand (information about partners is regularly updated, which makes it possible to keep abreast of current promotions and learn about their implementation).
There is a special scheme for calculating bonuses, according to which cashback is returned to Sberbank cards. For status cards, for example, a special Visa with large bonuses, Platinum category, the percentage of cashback is usually higher than for Classic / Standard.
The amount of deductions and rules are determined by the partner company itself.
This applies to both the maximum percentage for the return in the form of points and the gradation by cards. Some companies set a single percentage of deductions for all types of cards, regardless of the type (credit card, debit) and category.
For the timely receipt of information, there is a special subscription to the newsletter by E-mail or phone Among the partners of the program are pharmacies and children's online stores. This convenience will be especially appreciated by certain categories of the population with limited movement (young mothers, pensioners, people with serious illnesses).
Conclusion
For Sberbank cards, cashback in the form of bonus points may be more profitable than the standard option used in other banks (cash back in the form of returning part of the money from a purchase). The strictly established percentage of refund cannot be increased, usually it does not exceed 10%. And the percentage deduction in the form of points can reach 50% and increase according to the promotion.
Hello dear readers. In this article, we will tell you about bank cards with cashback service and interest on the account balance.
Today you will learn:
- What are bank cards and how to use them correctly;
- Why do banks offer debit cards;
- Which card to choose and what to look for.
What are bank cards with cashback?
Modern banks, in a highly competitive environment, offer their clients maximum profit. To attract a client, financial companies provide an interesting cashback service.
If 5 years ago no one knew anything about this service, today everything is much different. Translated from English, cashback is a refund. It turns out that cardholders with such a service can receive part of the money from their purchases. At first glance, it is a fantasy that is hard to believe.
But how does the bank return funds to its client? In fact, everything is very simple. Financial companies set the percentage of return on non-cash transactions for each card.
As soon as the client pays for the product or service, he will receive a fixed percentage back to his account. Some banks return funds instantly, immediately after the purchase, while others transfer cashback on the reporting day. In essence, a bank customer purchases a product or pays for a service at a discount.
In Russia, the service of returning a part of the money functions according to the same principles as in the rest of the world.
The buyer will be able to return funds from purchases:
- In shopping centers;
- Online stores;
- When paying for goods or services through the online account.
Banks are ready to offer cashback in the form of:
- Bonuses that can be paid in partner stores;
- Rubles that "drip" into the client's general account;
- Miles when paying for plane or train tickets.
A card with a cashback service is no different from ordinary and familiar debit cards.
It's easy to use.
All the client needs is:
- Follow in your personal account the shares that the lender is happy with... In most cases, financial companies actively cooperate with shopping centers and provide their customers with large discounts on goods. During the promotion period, you can get a bonus for goods up to 30%.
- Check the number of accrued bonuses... You must clearly know how much the lender has returned to your account and how you can spend your bonus.
- Follow the news of the financial company... Every day the bank offers new attractive services with maximum bonuses and privileges.
Rating and comparison of cards with cashback from 10 banks
For your convenience, we have compiled a selection of the 10 best debit cards that deserve special attention.
Tinkoff Bank
Tinkoff is one of the largest banks. A distinctive feature of this bank is that customers receive products exclusively remotely.
You can fill out an online application and find out details about the card at the official website of the bank.
The bank has completely abandoned offices and is accepting applications via the Internet. Any card of this bank can be issued in a matter of minutes and received by a courier who will deliver it to the specified address at a convenient time for you.
Tinkoff Bank is ready to offer 12 debit cards with cashback service. For each card, the bank gives its bonus from the purchase. The Tinkoff Black card deserves special attention.
It turns out that thanks to a profitable card from Tinkoff Bank, you can receive good bonuses. The main thing is to constantly monitor profitable offers and promotions on the official website of the company.
Alfa Bank
Alfa Bank is a universal bank that offers clients all types of banking operations. The product line of debit cards of this bank includes as many as 43 cards. This variety allows you to choose a truly interesting and attractive product.
You can fill out an application for a card and find out the details at the official website of the bank.
Each card has its own bonus for cashless transactions.
Depending on the type of card, the maximum amount of refund that can be received is set:
- when paying for goods in Perekrestok stores;
- when buying plane or train tickets using a card;
- paying by card at gas stations;
- paying in cafes and restaurants;
- paying for additional options in the famous game World of Tanks;
- purchasing goods in stores: MVideo or Amway.
Of all the variety, special attention should be paid to the alpha-bank card, which was named "Cash Bach". The card is very popular.
All bank customers with debit cards get free access to Alfa-Click, where you can quickly pay for services, open an additional account or transfer funds to a loved one.
If necessary, all customers of the bank can receive round-the-clock qualified assistance by calling the customer support free of charge.
Promsvyazbank is a large bank with a well-developed branch network. The bank has been actively servicing the retail business only since 2005.
You can send an application for a card and find out the details at the official website of Promsvyazbank.
The card, which deserves special attention, was named "All Inclusive". This is a premium card with which your funds will work exclusively for you.
| Cashback size | Depends on the program on the card:
The maximum return per month is 1,000 rubles. |
| Annual maintenance | The card fee is 1,500 rubles per year. In the next year, the annual service fee will not be charged if the minimum card balance of 50,000 rubles was maintained over the past year. |
| SMS notification | The payment for all alerts is charged monthly and amounts to 29 rubles. |
| % on account balance | The service is not provided. |
The bank provides a special security system "Super Protection" with the card. The essence of maximum protection is that the card is equipped with a special electronic chip. You can pay for goods all over the world with a card and do not worry that fraudsters will be able to take over your information.
Also a nice bonus is the ability to get two additional premium category cards for free. You can issue additional cards for a friend or loved one.
RocketBank
Rocketbank is one of the first virtual Russian banks, which was created as a convenient mobile offer with which you can use all the necessary financial products. In April 2016, Rocketbank was acquired by the well-known Otkritie bank.
The product line of this bank does not differ in the variety of offers. At the same time, the product that the bank created for its client has won the attention of many in such a short time. In this case, we will focus on the Otkritie-Rocket debit card.
The Savings Bank is one of the largest banks. This bank can rightfully be called the leader of the banking sector.
Savings Bank today is:
- more than 16,000 branches throughout the country;
- more than 110 million customers;
- convenient service and qualified banking services;
- variety of banking products;
- attractive conditions.
The bank's product line includes 10 offers for debit cards, which differ in status and conditions. The platinum card "Visa card with great opportunities" deserves special attention. The card is made in an interesting strict design in black, which perfectly underlines the status of its owner.
Bonuses from Sberbank are the amount of cashback that is accrued for each purchase. You can pay for goods and services with bonuses exclusively in partner stores. According to the terms of the agreement, 1 bonus is equal to 1 ruble.
If you decide to issue a card of this bank and actively use it, you will be able to recoup the annual service if transactions on the card exceed 30,000 rubles per month.
Opening
Otkritie Bank has been present in the financial services market since 1995. Quite recently, in November 2016, the bank's clients were given a unique gift in the form of a new card with the cashback service.
The new banking product was named “Smart Card”. Today the card is very popular because it allows you to get the maximum income. It is also worth noting that everyone can apply for a card remotely. You can get the card while sitting at your home computer.
You can get the card by filling out an online application for the official website of the Bank Otkrytie.
| Cashback size | You can get a bonus in the amount of:
|
| Annual maintenance | For customers who actively use the card, the lender is ready to present a free annual service. Those clients who spend more than 30,000 rubles a month on a card will be able not to pay for the annual service. If you are spending less, be prepared to pay just 299 rubles a month. |
| SMS notification | The notification fee is 59 rubles per month. |
| % on account balance | 7.5% is charged on the card balance. |
Excellent income card- suitable for those who make a lot of purchases. If you are planning to withdraw cash from the card, you should remember about the maximum cash withdrawal limit, which does not exceed 150,000 rubles.
B&N Bank is a Russian commercial bank that has been providing services to the population for 23 years. The bank offers its clients to take advantage of the unique loyalty program Binbonus. This is a special system of rewarding customers who actively pay with bank cards for goods and services.
To start receiving bonuses from the bank, you just need to select any debit card and activate one of the offered categories:
- auto;
- travels;
- entertainment and recreation;
- purchases in online stores;
- sports, beauty and health.
The undoubted advantage of the bonus program is that the bank's client can change the cashback category independently, at any time.
Of all the variety of products of this bank, it is worth noting the "Settlement" card. You can even order a card via the Internet.
| Cashback size | Return size:
5% of payment for goods and services of the selected category; 1% for all purchases. |
| Annual maintenance | 450 rubles per month (with monthly payment); 4 500 rubles annual fee; free of charge, if there is a daily card balance of 100,000 rubles or a card turnover of more than 50,000 rubles per month. |
| SMS notification | Not charged |
| % on account balance | The financial company gives an additional bonus, in the form of a percentage on the account balance:
2% to customers whose balance exceeds RUB 750,000; 6% with a balance of less than 750,000 rubles. To receive a guaranteed income, the client must pay for goods or services with a card within a month, in the amount of at least 500 rubles. |
An additional bonus from a financial institution is the availability of an insurance contract. The insurance is valid around the world around the clock.
It is also worth noting the "multicurrency" service, thanks to which you can make purchases with a card in any currency. Also, constant discounts and privileges from the Visa payment system will pleasantly delight each client.
Corn
Corn is a strikingly designed debit card that has caught the attention of millions of people. Who issues the card with an interesting name? If you look at the card itself, you can see 2 logos: Golden Crown and Master Card.
LLC RNKO is responsible for the issue and, accordingly, maintenance. The well-known salon of cellular communication "Euroset" is simply a partner and distributes cards.
Using the Kukuruz card you can:
- repay loans from different banks;
- pay fines;
- send money transfers;
- monitor the balance of the card in real time;
- purchase currency;
- set up and make auto payments.
| Cashback size | Everything is simple and clear with the bonus program. When paying for goods and services, you can receive from 0.5% to 3% of the purchase price, in the form of bonus points. |
| Annual maintenance | The smart card is provided completely free of charge. |
| SMS notification | There is no charge. |
| % on account balance | Together with the partner bank, PJSC "First United Bank", an accumulative service has been created, which allows you to receive additional income on the card: 10% per year if the daily card balance exceeds RUB 30,000; 7% per year if the card balance is less than RUB 30,000. Interest is calculated daily and paid to the account on a monthly basis. |
You can spend bonus points in the Euroset cellular salon or pay for part of the goods in partner stores.
Among the partners are such large companies as:
- Crossroads;
- Ozon.ru;
- L'Etoile;
- Kari;
- Ebay;
- Aliexpress;
- Nike and many others.
Messenger
Svyaznoy Bank offers its customers a universal card with cashback service. Anyone who issues a card can receive a refund in the form of bonus points for each purchase. After receiving the card, the client is presented with 200 gift bonus points.
You can withdraw cashback by card in partner stores by barcode number. It should be borne in mind that 100 points = 1 ruble discount for a product or service.
The bank has more than 50 partners, including numerous clothing stores, grocery stores, accessories, cafes, pharmacies and mobile operators.
Raiffeisen Bank
A debit card from Raiffeisen Bank is a convenient payment tool, thanks to which you can earn additional discounts in more than 6,000 stores. The card allows you to receive cashback and participate in various promotions.
If you have decided to use the services of this bank, then pay special attention to the debit card "ALL AT ONCE". This is not only a card in a colorful design, but also a profitable product that will help you get good bonuses and additional profits. It is a pleasure to use the card of this bank.
There is also an undoubted advantage - the bank offers a card with a unique design. To get an individual card, you need to upload a photo on the bank's website and wait for verification.
Summarizing
As you can see, there is a large number of cards on the financial services market, with an attractive refund service.
The map will come in handy:
- For outdoor enthusiasts... If you are actively traveling, then you should pay attention to the cards, which provide bonuses and discounts for buying tickets and paying for hotels.
- Shopping lovers... Fashionistas will appreciate the cards, which you can use to get discounts on the purchase of clothes and accessories.
- Housewife... And, of course, housewives who buy groceries in supermarkets every day will be happy with additional discounts and bonuses that can be easily obtained. Cashback in supermarkets for many cards reaches 5%.
Why do banks need them
All financial companies offer attractive cards for customers, which can be used to return funds. But why does the bank need it?
In fact, credit institutions know how they can make a profit, it is not in vain that they advertise their services every day and sometimes compulsively offer to issue a card with a cashback.
First of all, thanks to such a service, they can attract a client who will actively use the banking product and advise his family and friends.
Bank benefits:
- Card usage fee... For any card, the financial company asks to pay for the annual service. In most cases, the fee depends on the type and status of the card and ranges from 300 to 3,500 rubles.
- SMS notification service... To control their expenses and income, the client is connected to the SMS-informing service. The fee, of course, is minimal and sometimes does not exceed 50 rubles per month, but this is a fixed income that the bank will receive, regardless of whether you use the card or not. If you believe the famous proverb, then "the chicken pecks by the grain," then the bank collects the maximum income bit by bit.
- Customers for other products... It is enough for a bank to attract a client with a free and profitable product in order to offer other services later. In most cases, citizens like to serve in one bank:
- pay utility bills;
- issue loans and credit cards;
- place funds on the deposit;
- in securities and investment projects.
For all the above operations, the bank will make a profit. Having presented a free product, he wins his client and has him for many years to come. Customers who like to pay with cards are a gold mine for any bank.
Clients of the bank, in order to obtain maximum income, even go for tricks and act according to the following scheme. When they receive wages, they put funds on a profitable card in order to pay for the goods and get the maximum return. Some clients issue several cards, since the return conditions for each card are individual.
It turns out that the more a financial company can attract customers thanks to the issuance of cards with a cashback service, the more profit it can get.
What to look for when choosing a card
Decided to issue a card, but do not know how to make the right choice? In fact, everything is very simple. The main thing is not to rush, make a comparison of the cards and deliberately choose the most attractive option for yourself.
When issuing a card, take into account:
- Refund.
Almost all customers are attracted by tempting conditions, according to which the financial company promises to return funds for purchases made with the card.
Everything looks very tempting: you spend money, buy whatever you want with your card and get your money back. You might think - a fairy tale. And the conditions for clients are minimal. Capable citizens from the age of 18 can receive a card with a cashback.
Although the option is the same for everyone, not all credit institutions return real money to the account.
You can get to your account:
- bonuses;
- Thank you;
- miles;
- points;
- other conventional units of the bank.
It turns out that before making a choice, you should carefully read the terms of the contract and find out what bonus you will receive and how you can use it in the future.
- Cashback size.
In practice, financial companies lure with a large percentage of return. Only now you can not get it for all purchases. The maximum percentage for the cashback service can be obtained only when shopping in partner stores. The average return rate is 1-2% for any card transaction.
Therefore, it is worth knowing in advance what real percentage you can get and choose a card on which the bank is guaranteed to provide a large percentage.
- What can the accrued bonuses be exchanged for?
What can you spend the accumulated bonuses on? This is probably the most popular question that arises from cardholders. The answer depends on which card you have issued.
You can exchange bonuses:
- for a discount in a partner store;
- for real rubles at the rate of the bonus program and spend the funds in any store;
- for card services.
Of course, it is more pleasant to receive real funds back. Therefore, before issuing a card, you should pay special attention to the method of return.
- Annual service fee.
Do not forget that you have to pay for the service of the card. Sometimes the fee reaches several thousand rubles. If you rarely use the card, 1-2 times a month, and buy goods only in supermarkets and shops, you should choose a card with a minimum fee.
Summing up, it can be noted that bank cards are a convenient and attractive product that will allow you not only to receive additional privileges, but also money.
You need to use the card correctly, then it will bring you additional profit and a lot of positive emotions. Which cashback card is better is up to you!
In addition to the financial products sold, banks offer citizens the newfangled Cashback service. From English, the name is translated "money back". The essence of the preference is that by paying with plastic, you get some part of the purchase price back. A good example is a Sberbank card with cashback. The most popular financial institution in Russia strives to keep up with the international market and implement all the innovations that appear in the world.
In Russia, people have been encouraged by cashback since 2011. Now all self-respecting companies, suppliers of goods and services, offer their customers a partial refund of the money spent. At Sberbank, the conductor of incentive bonuses is the loyalty program " Thanks from Sberbank» .
Many clients of a financial institution, actively using its services, remain in the dark, not suspecting that in just 1-2 minutes they can connect a loyalty program and start accumulating money for acquisitions.
For debit cards
If you have a debit card, regardless of its status and purpose, you can connect to the "" program. Its essence is simple:
- get a refund for any purchases;
- the amount of loyalty - 0.5% of the money spent;
- 1 bonus is equal to 1.00 rubles;
- accruals are made within 5-40 days.
In the first paragraph, there is an exception for "" cards. Paying with them, you will receive bonuses only on condition of purchases from partners of the loyalty program.
Experienced Spasibo participants know that loyalty often rises from 0.5% to more serious numbers. Up to 10%. Sberbank can make such gifts to clients thanks to a wide network of partners - more than 80. Among them:
Speaking of cashback from Sberbank, one cannot but recall the card / and the service package. Within the framework of this offer, you can receive:
- 10% - Yandex Gett and gas stations;
- 1.5% - for purchases in any supermarkets;
- 5% in restaurants and cafes.
The promotion will be valid until 10.2018.
For credit cards
The percentage of bank loyalty will remain unchanged even if you have a Sberbank credit card. This product, just like its counterpart, is connected to the loyalty program. An exception is the aforementioned Aeroflot debit and credit cards related to co-branded types of plastic. Here you can receive bonuses only for purchases from partners.
The method described above for increasing the percentage of return applies to credit cards as well. The main thing is to follow partner offers.
Cashback on Visa Platinum cards
If you are interested in cashback, pay attention to the offers of privileged cards. Platinum loyalty is slightly higher than what is described above. This:
- 1.5% refund if you shop in a supermarket;
- 5% for each snack in a cafe or restaurant;
- 10% of taxi rides Yandex Gett and Yandex;
- 20% off purchases in Duty Free shops.
Expensive premium service pays off due to the numerous benefits that this black card of Sberbank provides.
Cashback on MIR cards
For Russian owners, the same conditions apply as for holders. The terms of use provide for connection to the "Thank you" program with the ability to return 0.5% from each purchase made. You can participate in promotions of Sberbank partners and get even more.
Sberbank card with cashback and interest: pension
Cashback is also available to owners. This is an extremely lucrative offer for retirees. You can not only store money on the card, but also receive 3.5% per annum, accrued on the balance. The promised 0.5% cashback when paying for purchases is also credited here.
The pension card is only available for local currency. It is possible to connect to SMS-informing for only 30.00 rubles per month (the first 2 months are free).
Advantages and disadvantages of "Thank you" bonuses
On the Internet, you can read a lot of reviews from participants in the “Thank you from Sberbank” loyalty program. These are those who have a prestigious gold or platinum card, and those in whose arsenal or. All agree on one thing - the advantages of the program are:
- the ability to use a large number of cashbacks for purchases;
- higher profitability than most similar programs;
- both debit and credit card holders can connect;
- simplicity and clarity of using the service.
In the descriptions of the program, users have only one drawback - the restriction on the withdrawal of bonus money.
How to activate and deactivate bonuses?
There are several ways to connect and disconnect the bonus program. So the connection is possible:
- at any Sberbank ATM;
- through the Internet resource of the financial institution "Sberbank Online";
- in the mobile bank.
ATM:
- Insert the card.
- Enter your PIN.
- Find the Bonus Program tab in the menu.
- Enter the mobile phone number and put a tick in the box of agreement with the terms.
- You are waiting for an SMS with a password.
At Sberbank Online:
- Log in to your personal page in Internet banking.
- Find the "Thank you from Sberbank" tab in the menu.
- Enter the numbers of your mobile phone and e-mail box.
- Check the box for agreeing to the terms of the programs (it is advisable to familiarize yourself with it).
- Wait for SMS with password symbols.
In the mobile bank:
- Send a message of the following character to number 900: "Thank you XXXX" XXXX - the last 4 digits of your plastic number.
- An SMS will arrive. You need to confirm that you agree.
- Send consent and a five-digit code.
- An SMS with a password will be received again.
If you want to disconnect from the loyalty program, you need to call one of the numbers:
- 8 8005555550;
After that, you should name the reason why such a decision was made.
Loyalty program rules "Thank you"
To avoid surprises and surprises, before connecting the card to the program, study its rules. We have already found out that any card to one degree or another gives its owner the right to receive a refund. Let's dwell on charges in more detail.
How and when is cashback accrued
As already mentioned, cashback is given for any transactions related to purchases. There are no charges for money transfers and cash withdrawals.
Hello everyone who dropped by!
Today will be a very difficult topic for me, as we will discuss cashback at Sberbank.
Yes, my eyes start to twitch when I see this phrase - return of interest on cards in Sberbank, but it's silly to deny that the green bank's "plates" are one of the most popular on our market.
But why?
NOTE! Friends, I describe all cards with cashback from Sberbank at the bottom of the article. If you need answers to your questions regarding "plastic" from this lending institution - immediately use the table of contents. There are a lot of useful things.
This bank needs no introduction
Where the "plastic" was opened, go there. Have you heard that this joke, or the bitter truth of life, is no longer relevant?
Yes, yes, if there are problems with plastic, you will no longer be sent to hell.
And if you had to open a card with a cashback from Sberbank in Kolpino, and now you live in Sochi, then there will be no problems.
Hurray, comrades!
There is another story related to our today's “friend”.
So, the armies of the Internet claim that the bank does not give up deposits until 1991, referring to another legal entity.
This is not true, comrades!
Sberbank pays compensation, and information about this can be found directly on its website.
So don't trust everything you see on the net.
Unless this is my blog.
Keep your money in a savings bank!
After all, it is reliable.
50% + 1 share belongs to the Central Bank, so it is unlikely that something will happen to Sberbank.
And if something so extraordinary happens, then I think you will no longer need rubles.
Is it reliable? Without a doubt! But is it profitable? If banks on deposits are now offering 5.5-6.5%, then "Green" will give only 2-3%.
Cashback will have the same "benefit", but we will analyze this later.
Thanks! - "Do not"
"Thank you from Sberbank!" - and everyone probably heard this phrase. This program represents the system of any card from Sberbank with a cashback.
For purchases, bonuses are awarded, which can then be spent with partners, having paid almost the entire cost of the purchase - most often you only need to pay 1 ruble in addition.
If, of course, there are enough bonuses.
Program page - https://spasibosberbank.ru
Partners page - https://spasibosberbank.ru/partners/
What can you spend on?
If you go to the website at the link above, dedicated to the cashback program from Sberbank, you can get acquainted with the partners. In addition to ordinary shops, catering, online stores, you can pay with points for various excursions, trips, experiences, and also exchange them for coupons and gift certificates.
The latter interested me, because, comparing their cost, it is easiest to calculate whether a cashback is profitable there or not.
Let's play Sherlock again.
Adult games?
With the very first offer, it becomes clear who Sberbank is counting on with its cards with cashback.
As I understand it, something like an internal currency, which you can use to buy stickers, gifts, 5+ and so on.
My knowledge about Odnoklassniki is much poorer than about cashback, so I will round off.
Of the popular coupons, one can single out "M.Video": a certificate for their 1000 rubles will still cost 1000 "Thank you".
Or a thousand thanks - in my opinion, it sounds much better.
IMPORTANT! About getting interest "back" in "M.Video".
Cooperation
Sberbank cooperates with two major coupon sites: and KupiKupon. Here are the same coupons as on the main sites, only they can be taken for points.
- Savings in figures show decent - up to 70-90%, but since these are coupons, the rules must be read carefully.
- Often a surcharge is required, or the conditions are written very cleverly and the discount does not apply to most services.
Well, here you yourself will figure it out.
How do I buy a coupon for points?
- This often raises questions, so I decided to write you instructions for use.
- It looks a little scary, but in fact, nothing is complicated.
- You will try a couple of times, and then you will lower all the cashback there.
I note right away that the company through which you take the coupon ("Biglion" or "BuyCoupon") does not matter. The instruction will match.
So let's get started.
- Go to the site of the "Thank you" program from Sberbank;
- Then choose what kind of coupon you want - from Sberbank or third-party companies;
- Choose the coupon itself, its options if available;
- Click "Buy";
- In the window that appears, enter your email and tick the box that you agree with the rules;
- Enter the number and other data of your "plate";
- Choose exactly how many bonuses you will spend;
- You pay;
- Go to the mail (e-mail) and see the sent coupon.
Yes, it looks scary, but in reality it is not.
It is worth noting that coupons from "Green" need to be paid only with "thank you", but from partners - as you want: at least the entire cost (except one ruble), at least one "thank you" spend.
Online Stores
- In them, you can also pay with these "thank you", but, of course, not in all.
- Therefore, we leave the "Online Market" section and go to the "Online Stores", here we see where you can buy profitably.
Moreover, the order is made only on the store's website, and here it is just an introductory list and conditions of use.
For example, let's take an online equipment store - Technopark. He knows how to both calculate bonuses and withdraw them.
It would seem that the difference in percentage is 2 times (0.5 and 1%), and the savings are three times.
Here it is - the magic of cashback, which I want to teach you. So get out your scissors, cut this "devil" and out the window! What? Can't, because the card is a salary?
Gather all your will in a fist and tell the accounting department that according to the law you can receive your money on any card of any bank!
Defend your rights!
What kind of discrimination?
If you obeyed me and cut this "miracle", then you are great, and I am a little shocked.
But I am glad that you trust me so!
If "it" is still intact, then I won't blame you, but I will ask you to do something: look what type you have.
Hopefully not Momentum or Electron.
Why are they bad?
Because with these cards, only the first 20 thousand rubles spent are paid back.
That is, you will want, say, to buy an iPhone for yourself, and even from one of it you will not get the full interest back. ...
But these cards from "Sberbank" with a mini-cashback have cheap or free service most often - so choose.
Now let's calculate what the owners of these "records" can count on, for this you just need to find 0.5% of 20 thousand.
After all, all newbies start with a return rate of 0.5% on any purchases without various higher categories.
And what do we get?
- 100 points?
- I double-checked it several times, as I could not believe this nonsense.
- But it turned out to be true. The maximum per year that owners can earn is 1200 points.
It's good that these "thank you" live for 3 years (with active use), during this time you can save 3600 and have a good boo.
Let's say you are very unlucky and you have two such "records".
Do you think you will be allowed to collect 200 bonuses per month if there are two of them?
Nifiga like that!
I hope you understand my main point: they themselves play absolutely no role (well, except for "Momentum" and "Electron"), it's all about the program itself and its levels... What is cashback on a Sberbank bank card? Ladies ANSWER in simple words: This is the "Thank you" program. But purely my opinion is some kind of rascal, if in simple words.
Reviews
There are a lot of reviews on cards with cashback with the "Thank you" program from Sberbank.
Well, still, the green bank is the most common.
I will say more, a lot of positive reviews!
And this is a very good indicator for a banking product. Not even so - very, very good.
I was shocked. Maybe I misunderstood something in their program?
People give 5 stars in reviews for the fact that it is convenient for them to pay with a plastic debit, and not in cash, and then a penny of cashback from Sberbank is falling - the one that protects the ruble.
And she does not save my nerves!
- Another lady writes that everything is simple and clear with this program, otherwise other banks have ANY LIMITS.
- She was lucky, of course, that it wasn't Momentum or Electron in her pocket.
- But how superficially to treat your money, so as not to study the topic so much!
How can these people turn on logic?
- No, if people are happy, I am happy for them.
- But they can be much more happy if at least a couple of my posts read about it.
There are also adequate reviews that draw parallels with other options for "plastic", compare the conditions.
And then, for example, they say: “But the Home card is not convenient for me, so I still use a green financial institution, although it’s not profitable ...»
Well, this is everyone's choice, the main thing is that they do not realize it.
So, friends.
Now let's talk in detail about cards from Sberbank with cashback. They are both debit and credit. Separately below, I wrote the best option for you, in my opinion. In general, read it, I attached a link to the official page right there.
Cashback from Sberbank-Premier
I did find one "little thing" that seems to be adequate here, and knows how to charge a large return, as if she was a prisoner from another bank.
What are we being promised?
Only here is one BUT: the minimum spending for crediting "interest back" is 80 thousand rubles a month. P-f-f. And it will also cost 2.5k per month, if you do not store more than 2.5 million in "our green friend"!
But I hope you have found a more comfortable and profitable place for that kind of money.
Credit cards with "Thank you" cashback
Let's list the popular credit cards from Sberbank so that you know what's in vogue now.
"Gold-classic"
Plastic page - https://www.sberbank.ru/ru/person/bank_cards
There is some kind of cashback from Sberbank.
By itself, the "Golden Card" is "Visa" and "Mastercard".
Features of this little thing:
- Use bank money for 50 days and do not pay interest
- up to RUB 600,000 credit limit
- 0 ₽ service for those to whom it has been approved
Now to how cashback is credited here in the form of "Thank you".
Bonuses THANKS from Sberbank for purchases:
- up to 10% of the purchase amount - if "Visa"
- up to 0.5% of the purchase amount - if "Mastercard"
Bonuses THANKS for purchases from partners:
- up to 20% of the purchase amount - if "Visa"
- up to 20% of the purchase amount - if "Mastercard"
Let's make some small conclusions.
For some reason, the Sberbank gold card with cashback is carrying out a strange gradation of two different payment systems. It is not entirely clear where this discrimination comes from, but we have what we have. Count on the "Visa", of course, it is more profitable. A plus are partners, where there are pleasant shops - hence the savings will be interesting.
"Classic Aeroflot card"
Checkout page - https://www.sberbank.ru/ru/person/bank_cards/credit/cardcreditform/aeroflot
As you can imagine, this cashback card from Sberbank is dedicated to travel. There are already many who implement such an option as “miles”, I don’t remember exactly, but it seems like Oleg Tinkoff with his All Airlines was the first. So, let's see.
Peculiarities -
- Fly more often! Earn Aeroflot miles for every plastic purchase and save on flights
- Up to 50 days without interest! Use the money on it for free during the grace period
- Up to 600,000 ₽ - credit limit! As part of a personal offer to clients
Now on the return of "buns".
- Apply for a Visa Classic Aeroflot and receive 500 welcome miles.
- Pay with plastic and get miles to your account in the Aeroflot Bonus program! 1 mile for every 60 ₽ / 1 $ / 1 € spent.
- Redeem miles for Aeroflot and SkyTeam flights, upgrade your service class and buy goods and services from program partners. And also take part in the charity project "Miles of Mercy".
Aeroflot Gold Card
How to collect and use miles:
- Apply for Visa Gold Aeroflot and get 1000 welcome miles
- Pay and earn miles to your account in the Aeroflot Bonus program. 1.5 miles for every 60 rubles spent, 1 $, 1 €.
Aeroflot Signature Card
More- https://www.sberbank.ru/ru/person/bank_cards/credit/cardcreditform/aeroflot_signature
Peculiarities -
- Up to 3,000,000 - credit limit as part of a personal offer to clients
- Premium service - a personal manager at your service
How to collect and use miles:
- Apply for a Visa Signature Aeroflot and get 1,000 Aeroflot Bonus welcome miles
- Pay for purchases with a Visa Signature Aeroflot plate from Sberbank. 2 miles for every 60 ₽ spent.
- Redeem miles for Aeroflot and SkyTeam flights, upgrade your service class and buy goods and services from program partners. And also take part in the charity project "Miles of Mercy".
And that's not all! Once a "Signature" class card - additional offers for travelers are available to you!
List of privileges:
- Unlimited Internet in roaming "Beeline" and MTS - 14 days of unlimited and free Internet in roaming per year
- Up to 35% discount on car rental with Avis
- Up to 12% discount on hotels with Agoda
- 20% discount on airport transfers with Gett and Wheely
- Free baggage packing with PACK & FLY
- Compensair up to € 600 compensation for flight delays / cancellations with Compensair
Credit card Visa Classic "Give life"
Peculiarities -
- 900 rudders - service per year
- Contactless payment for purchases
- 50% of the cost of the first year of service goes to the fund
- 0.3% from each purchase goes to the fund
- Credit limit up to 600,000 rubles as part of a personal offer to customers + up to 300,000 rubles as part of a mass offer
Debit cards with cashback from Sberbank
"Gold card"
Page- https://www.sberbank.ru/ru/person/bank_cards/debit/gold-card
ATTENTION! Up to 5% of the purchase price is returned with THANKS bonuses when paying with this "plate" in cafes, restaurants, supermarkets.
Peculiarities -
- Up to 5% of the purchase amount is returned with bonuses THANKS
- 1,500 rubles - service per year. Second and further: 3,000 ₽
Cashback on the "plate" Visa-Gold from Sberbank is not very large here. Again, look in the direction of partners, links to them are in the article.
The main treats are the following:
- Bonuses THANKS: up to 5% from the institution, up to 20% from partners
"Card with big bonuses", or Sberbank-Platinum with cashback
Great stuff, my friend uses it. He spends a lot, so he runs a lot of "thanks" to the gas station - he NOTHING AT ALL does not pay to refuel his Honda!
Well, that is, the conditional 1 ruble.
IMPORTANT! Sberbank gives here a cashback of 10 percent when paying at gas stations, as well as in Gett and Yandex.Taxi. Supermarkets - 0.5%, cafes and restaurants up to 5%.
Peculiarities -
- up to 10% of the purchase amount is returned with bonuses THANKS
- 4 900 rubles - service per year
- ONLY VISA SYSTEM
Nice gifts for holders:
- Bonuses THANKS: up to 10% from "Green", up to 20% from partners
As a small result, cashback in this case is not bad on the card "With big bonuses" from Sberbank. It is a pity that the price of the service is too high, but for anyone how. That wouldn't suit me.
"Classic"
IMPORTANT! This piece is with the best value for money. Pay for purchases, transfer and receive transfers, save and spend bonuses THANKS.
Peculiarities -
- 150,000 rubles per day can be withdrawn from ATMs without commission
- First year of service: 750 ₽
- Second and further: 450 ₽
What does this disc give us in terms of cashback?
- Bonuses THANKS: up to 0.5% from the institution, up to 20% from partners
In this case, we look at the cashback in the form of “Thank you” from Sberbank from partners. Because half a percent is a trifle. I spoke about this more than once and was angry.
"Classic card with a design of your choice"
Cash withdrawal: RUB 150,000 at an ATM and RUB 150,000 at a branch per day without commission "Youth card"
IMPORTANT! Special card for young people from 14 to 25 years old. Up to 10% of purchases from youth partners are returned with THANKS bonuses. You can exchange them, for example, for a bicycle for 1 ruble!
Peculiarities -
- from 14 to 25 years old especially for young people
- Up to 10% of the purchase amount is returned with bonuses THANKS
- 150 rubles - service per year
Without an annual or monthly service, this also includes "Instant" and "Digital" (debits), as well as "Credit Visa" and "Classic" (credit cards).IMPORTANT! Receive a pension on this plate and keep your savings profitably: 3.5% per annum is accrued on the balance on it (3.5% on the balance of funds in the account to which pensions and other social payments paid by the pension authority are credited, in case of receiving the client of such payments)
Peculiarities -
- 3.5% per annum on the balance on the plate
- 0 rubles - service per year
How is this option useful for people of retirement age?
"Classic card Give life"
Page- https://www.sberbank.ru/ru/person/bank_cards/debit/classic-pg
Peculiarities -
- First year of service: 1,000 ₽. Second and further: 450 ₽
Bonuses and cashback?
- Cash withdrawal: RUB 150,000 at an ATM and RUB 150,000 at a branch per day without commission
"Golden card Give life"
Order- https://www.sberbank.ru/ru/person/bank_cards/debit/gold-pg
IMPORTANT! By paying "Give Life", you help children fight serious illnesses. Sberbank will transfer a donation to the Gift of Life fund from each of your purchases.
Peculiarities -
- 0.3% of each purchase goes to the Gift of Life fund
- VISA systems only
- First year of service: 4,000 rubles. Second and further: 3,000 ₽
What about cashback and savings?
- Bonuses THANKS: up to 5% from "Green", up to 20% from partners
- Cash withdrawal: RUB 300,000 at an ATM and RUB 300,000 at a branch per day without commission
"Give Life Platinum Card"
IMPORTANT! By paying with the Give life card, you help children fight serious illnesses. Sberbank will transfer a donation to the Gift of Life fund from each of your purchases
Peculiarities -
- VISA systems only
- First year of service: 15,000 rubles. Second and further: 10,000 ₽
- Contributions to the Gift of Life fund: 0.3%
What does this thing offer?
- Bonuses THANKS: 0.5% from "Green", up to 20% from partners
- Cash withdrawal: 500,000 rubles at an ATM and 500,000 rubles at a branch per day without commission
"Instant card"
Order- https://www.sberbank.ru/ru/person/bank_cards/debit/card-momentum
IMPORTANT! Free card to pay for purchases, including on the Internet. Issued within 10 minutes at a bank branch
I decided to show you the branches of the bank through Yandex.
Peculiarities -
- 10 minutes for registration at the department
- 0 rubles - service per year
How is it useful?
- Bonuses THANKS: up to 0.5% from "Green", up to 20% from partners
- Cash withdrawal: 50,000 rubles at an ATM and 50,000 rubles at a branch per day without commission
Premium package cards from Sberbank
- When paying in cafes and restaurants - 10% cashback
- When paying in supermarkets - 5% cashback
- For other purchases we charge 0.5%
- Increased bonuses are credited without restrictions for purchases in the amount of at least 150,000 rubles per month
- The cost of the annual service for the card is 0 rubles when registering the Sberbank First service package
1 bonus THANKS = 1 ruble
Exchange THANKS bonuses for discounts up to 99% with the partners of the "Thank you from Sberbank" program
Open the Sberbank First service package and get not only bonuses, but also exclusive services!
Increased deposit rates
Preferential exchange rates
Lounge access for you and your companions
Travel insurance for the whole family
IMPORTANT! You will also receive a personal financial advisor!
Terms of use for the "Sberbank First" service package:
- Free - first 2 months
- Always - if you keep on cards, deposits, accounts, investment and insurance products "Green" from 15 million rubles / 10 million rubles
- 10,000 rubles - from the third month, if your deposits, accounts, investment and insurance products of Green are less than 15 million rubles / 10 million rubles
Here is a "record" for VERY wealthy citizens.
In general, if you are from this category - the link is above, you will read everything and you will be able to place an order. The rich have their own lives!)
My thoughts
We can say that Sberbank's Golden Card is trying to be profitable, but let's not forget about its main cashback for all purchases. And the very system of calculating the return of bonuses.
Yes, it’s not so hot either, because of this they don’t move to Belarus.
But what kind of injustice?
In general, as for me, the cashback at Sberbank is "so-so".
Is there a card with Sberbank cashback? This question worries many readers, so we will cover the topic of both Sberbank cashback and cashback of other banks with more interesting offers. People ask themselves the question: cards with Sberbank cashback are what they are, because they think that some separate bank cards are issued for cashback. In fact, there are no special cards for cashback. It's just that the bank can add or change any conditions for the cards. Cashback on a bank card, including on a Sberbank card, is included in these conditions.
Now, let's pay attention to cards with Sberbank cashback. Simply put, then in Sberbank, conditionally everything (even credit). Another question: what is this cashback? On any Sberbank card (provided that you have ) you will receive bonuses THANKS. As we will repeatedly mention in this article THANKS - this is the only Sberbank cashback.
People are used to Sberbank, but they are gradually switching to other, more interesting products and cards. For example, some advanced Russians have long been using cashback cards with real money, not bonuses. We will also tell you about them here, and apart from "Sberbank cashback" we will consider the following questions: Which banks' cards ? Cashback from Sberbank or cashback from another bank: what is better to use?
What is cashback on a Sberbank bank card
It is not difficult to answer the question: what is cashback on a Sberbank bank card, since Sberbank cashback is a bonus called "thank you". These bonuses appear on your card when you pay for your purchases with a Sberbank card. It turns out that cashback is in simple words (Sberbank or any other)? Cashback in simple words is a refund from a purchase.
If we talk about cashback in general, and not just about cashback from Sberbank, then sometimes a refund to the card is a bonus, and sometimes it is credited immediately with money. It depends on what conditions are on the card. When you open a card, you can find out about it from the bank employees or on the website.
As we already wrote above, a Sberbank card with cashback is nothing more than THANKS bonuses, which (most often) are returned to any Sberbank card (including credit cards if you have ) in the amount of 0.5% or more of all purchases.
Sberbank card with cashback or another card with cashback?
To make it clearer for you whether the cashback card of Sberbank will be profitable for you, compare the cash back of Sberbank and ... Let's start with the fact that the SPASIBO bonuses themselves, accrued by Sberbank, have a big disadvantage due to the fact that they can be used far from every outlet. We must look for where these bonuses will be accepted from you.
Even if you will be credited or else at some points, then you still need to be able to use these bonuses.
How do we compare to this in most other banks? Almost everywhere cashback is credited with money, and even ... They just return the percentage of the purchase to your card and that's it - use this money at your discretion, in any retail outlets.
We wrote: "Almost everywhere" since the return to the card with money, and not bonuses, most often goes to debit cards. If you look specifically at the terms jar, you will be pleasantly surprised. For all purchases, you will be credited cashback in rubles to your Tinkoff Black debit card.
Cashback size: Sberbank card and Tinkoff card - where is it better?
There is no separate Sberbank card with cashback. For purchases using any Sberbank cards, THANKS are awarded bonuses, which are a kind of cashback from Sberbank. If you have a debit card, Sberbank will charge you cashback from purchases with a credit card. But, I would like to once again draw your attention to the size of this cashback. Note - it is only 0.5% of all purchases. We do not take into account the increased bonus yet. What do we see by the size of the cashback for all purchases in other banks? It is twice as large and amounts to 1% of all your purchases, both from Tinkoff and from the Benefit card.
Card Loss and Expiration: Comparisons
At Sberbank: you need to go to the branch, sit in line, write an application, wait 1-2 weeks. After that, go to the branch again, sit in line, and only after completing all these actions can we get a new card. At Tinkoff: call the call-center, instant blocking of the old card, immediately the application for the issue of your new card is accepted by phone, which is ready immediately - instantly, because, in the Tinkoff Internet bank, you can immediately continue using your card and make any online payments, even if the card is not in your hands! Then we set the time and place of meeting with the courier.About one or two days after the application, the courier delivers the card to you free of charge. In all the details about the Tinkoff Black debit card, we disassembled .
National, payment card MIR is cashback card sberbank?
Many Russian banks have recently started issuing cash back cards using the Mir payment system. What is the "Mir" payment card? The mir payment system is an alternative to foreign payment systems. There are good, very advantageous offers on the "world" cards, which you can learn about from a special article .There you will be able to choose the most advantageous card for you (with a local and foreign payment system). Some of these cards can be ordered online and they will be brought to you home for free, some are virtual, for some you will need to go to the nearest bank branch. It is interesting that many people habitually type in a "Sberbank card with cashback" into the search engine and look for information on cards with cashback focusing on the world map from Sberbank. But, in fact, the phrase "Sberbank cashback card" is not correct, since such a card does not exist. Search, or information on or
How to connect cashback to a Sberbank card / readers' questions
Most often, cashback from Sberbank is already connected to the card automatically. But, if in doubt, ask the employee when issuing the card. If you have a card for a long time, and you do not know if there is a THANKS from Sberbank on it, then connect it and then we can say that you have a card with a Sberbank cashback. It is easy to do, you just need to enter your personal account in the online bank. You can find your personal account on the official website of Sberbank. To get a username and password, you will need to find the nearest ATM, insert the card and find the “get password” function.
If you cannot do this on your own, then contact any Sberbank consultant. They will explain everything to you in detail. Having received a password, you can enter your personal account, view expenses, transfer funds, activate or deactivate services (including "Thank you") and much more. If a Sberbank card with a cashback in the form of THANKS all the same does not suit you very much (as, for example, us), then take a look at the heading
Card with Sberbank cashback \ is such a cashback profitable?
Sberbank cashback card does not exist, you already understood that. Sberbank cashback cards are just cards with THANKS bonuses, this is also understandable. It remains for you to decide for yourself whether such a small return in the form of 0.5% is profitable for you, and even with such bonuses that can not be realized everywhere. You decide for yourself.
Small addition. Until recently, I had two Sberbank cashback cards. You already understand what kind of cashback I mean. It so happened that all my cards (both Sberbank and others) were lost. At first there was a thought after blocking to restore all cards, but then, it became clear that in this way I would only overpay for service. It is much more profitable to use cashback and interest on the balance of Tinkoff Bank cards than a dubious card with cashback from Sberbank.
We hope that you have no questions left about the Sberbank cashback card and the Sberbank cashback debit card.
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