In the modern world, banks are a necessary evil. Most people trust their means to them, although it is not always safer than storing them at home in a glass jar. However, since we allow banks to use our money, you need to get some benefit from this.

Having studied the national rating on the website of Banks.ru, as well as having read reviews of the most popular cards of Russian banks, we compiled a selection top cashback and debit cards of 2019. The distribution of positions in the rating is rather conditional, except for the first places - they are the undisputed leaders for the benefit of cashback.

Best cashback credit cards of 2019

5. Heat, Orient Express Bank

• Pros: there is no annual commission for servicing, up to 5% cashback for cashless transactions, an honest grace period of crediting up to 56 days.
• Cons: there is a commission for the issue - 800 rubles, a card can be obtained only at the bank’s office, they can impose insurance, read the contract carefully.

The bonus program of this card provides for the calculation of 5% cashback for the following categories:

1. Payment of housing and communal services.
2. Pharmacies.
3. Communication services.
4. Public transport.

For other purchases, 1% of cashback is credited.

Bonus points are awarded within 5 days from the operation, and after 30 days they become available for use. Bonus rubles can reimburse the purchase of goods or services in the 5% category, but only in full and within 90 days from its completion.

4. Halva, Sovcombank

• Pros: free issuance and maintenance of a card with a standard design, a grace period of up to 1080 days, accrual of PNO from 6% to 7.5%, depending on the number of purchases per month.
• Cons: a fine for late payment of a card, installments for 12 months are available in a limited number of stores, goods on shares from Sovcombank are not available in installments.

In this case, we tricked a bit, because the Halva card is an installment card. That is, it is impossible to withdraw borrowed funds from it, it is used exclusively for non-cash payments. However, under the terms of Halva, it is very close to its credit colleagues, and surpasses most of them in the benefits of cashback.

When making it, you do not need a down payment. You can deposit your own funds to the card without commission and withdraw them (also without commission) at any ATM.

• When you pay “Halvah” at the expense of your own card funds, you will receive 3% from Sovcombank partners (including in online stores) and 1% in other TSPs.
• And if you pay "Halvah" through the Google Pay, Apple Pay or Samsung Pay application at the box office of the affiliate network and other stores, 12% and 3% of the purchase will return, respectively. Please note that this does not apply to online purchases.
• If you purchase by installments in the first three months of the validity of the contract, when paying by phone at the cash desks of Sovcombank partners, you will receive 5%.

To get cashback you need to spend at least 5 purchases totaling 10 thousand rubles per month.

The main drawback of this card is the daily accrual of 0.1% of the amount owed in case of late payment.

3. Cash Back, Alfa Bank

• Pros: cash back up to 10%, grace period up to 60 days.
• Cons: expensive annual maintenance - 3,990 rubles, there are conditions for accruing cashback, they can activate a loan insurance service.

This cashback credit card is good for those who often refuel at gas stations, visit cafes and restaurants and spend at least 20 thousand rubles a month on purchases.

1. The cashback for purchases at gas stations is 10%.
2. Two times less - 5%, you will receive for spending in cafes and restaurants.
3. For other purchases, 1% of the cache is accrued (including for housing and communal services when paying on the website of the service provider).

However, the main condition for accruing cashback is to carry out expenditure transactions in the amount of 20 thousand rubles per calendar month. The maximum amount of return is 3 thousand rubles per month.

2. Double cashback, Promsvyazbank

• Pros: grace period of 55 days, 10% cashback when using a credit limit for purchases in selected categories, cashback for replenishing a card, you can open an account with a charge of PNO (up to 8% depending on the amount of expenses).
• Cons: card maintenance - 990 rubles per year, a large loan rate - 26% per annum.

One of the best credit cards with a cashback in 2019 offers a 1% return on the amount to replenish the card to repay the loan (with the exception of the interbank and card transfer service of another bank). You will also receive 1% of cashback for purchases (alas, payment of housing and communal services is not included here). And in selected categories there is an increased ten percent cashback. These categories include:

1. Movie.
2. Restaurants
3. Fast food.
4. Taxi.
5. Car sharing.

However, there is an important condition: in order to get an increased cashback, the purchase must be paid in full for credit funds. In case of partial or full use of your own funds, you will receive only 1% of cashback.

The minimum amount for calculating cashback is 100 rubles. You can get no more than 2000 bonuses per month, which is equivalent to 2000 rubles. The advantage of the bonus program is the lack of a minimum amount for converting bonuses into rubles.

1. Big cashback, OTP Bank

• Pros: 7% cashback in selected categories and 1% in the rest, free maintenance, no commission for issuing a card
• Cons: this card is not issued to everyone, they can impose insurance for 1200 rubles (when signing the contract, carefully look at where and what are the checkmarks for).

At the moment, “Big cashback” can safely be called the best credit card with cashback in Russia. It allows you to get an increased cashback in one of six categories (selected when applying for a card).

1. "Auto".
2. "Travels".
3. "Everything for repair."
4. "Restaurants and entertainment."
5. “Family” (this includes supermarkets and utility bills).
6. "Shopping and beauty."

You cannot change the selected category, so be careful. For all other purchases will be charged 1%. Bonuses will not be awarded for purchases less than 100 rubles. Also, for the billing period (month), you can get up to 3 thousand rubles of “porridge”, as affectionately called cashback users of the site Banks.ru.

Clients from the Moscow region can apply for a "Big cashback" on the site of OTP Bank.

However, despite the attractive and necessary categories, this card has its drawbacks. For example, you can get it if you work and get from 50 thousand rubles (for the regions of the Russian Federation) or 70 thousand rubles (for Moscow). And although the reviews say that the bank’s employees do not always check the real income and even the place of work when issuing the card, we do not recommend lying.

Also, many users complain that they receive a refusal to issue a card for unknown reasons. 30 days after the refusal, you can try again to file an application, some approve of it.

Best cashback debit cards of 2019

5. Bank in your pocket Standard, Russian Standard Bank

• Pluses: there is 5% per annum with a balance of up to 100 thousand rubles, cash partners up to 15% have a cashback.
• Cons: there are conditions for accruing cashback and free annual service, a small network of ATMs in the country.

Opens the top 5 of the best cash cards with cashback offer from the bank "Russian Standard". According to the terms of the RS Cashback program, you will receive an increased 15% cashback for purchases from partners of the bank, 5% for purchases when you select 3 out of 7 categories of increased cashback. Among them, new ones appeared in 2019:

• parking;
• car washes;
• car rental

The remaining purchases are credited with 1% cashback. Payment of housing and communal services cashback "not taxable."

Bonus points can be converted into rubles (at the rate of one to one), but for this you need to accumulate at least 1000 bonuses.

In order not to pay for the service of the card, you need to keep from it 30 thousand rubles on it or on a savings account (you can open it in parallel with the card). And in order to receive cashback, you need to make purchases in the amount of 5 thousand rubles (in total) during the bonus period.

In order to receive 5% of PNO in the amount of up to 100,000 rubles, you need to make purchases in the amount of 3,000 rubles in the previous billing period. However, at the opening of the savings account, 5% per annum is accrued already for an amount of more than 1000 rubles.

4. Multicard, VTB Bank

• Pros: up to 6% on the balance on the card (depending on the amount of monthly expenses from the card), free cash withdrawals at ATMs of other banks, cashback up to 10%.
• Cons: there are conditions under which an increased cashback is charged and card servicing and cash withdrawal at third-party ATMs will be free.

This is a good debit card with a cashback for those who spend on purchases at gas stations or in restaurants from 75 thousand rubles. Only in this case the cashback will reach 10%. When spending from 15 to 75 thousand rubles, you will receive only 5% of the cashback, and when spending from 5 to 15 thousand rubles - even less, 2% of the cashback in the "preferential" categories.

However, there is good news - in the first month of using the Cash back card in the bonus category it will be 10% regardless of the purchase amount.

For other categories (including utilities) you can get from 1% to 2.5% cash back, again, depending on the amount of spending.

You can get up to 3000 rubles of cashback per month for priority categories and up to 5000 rubles for others.

Multicard service will be free if you spend more than 5 thousand rubles per month with it. And the same condition applies to free cash withdrawals at ATMs. The commission will be returned in the form of cashback for the month.

3. Debit card, Rocketbank (QIWI Bank branch)

• Pros: free issue and maintenance (at the rate of "Cozy Cosmos"), interest on the balance of 5.5% per annum, cashback up to 10% in "Favorite places" and 1% for everything else, a convenient mobile application, the courier will deliver the card.
• Cons: exclusively remote service, courier delivery is not available in all cities of the Russian Federation, cashback is in rocket trumpets.

This profitable debit card for cashback and interest on the balance in 2019 offers users a loyalty program, within which you can choose three of the five categories each month (the so-called “Favorite Places”). These are partners of the bank, for purchases from which you will receive increased cashback. It will be in “rocket trumpets”, however, they can be spent as rubles in a 1: 1 conversion. For example, when you have 3,000 “rocket ruble”, they can be spent on compensation for goods or services purchased in the last 30 days.

Good news for those who pay for housing and communal services online: for this, Rocketbank also charges 1% of cashback.

Five times a month, the Rocketbank card holder can withdraw money from any ATM in any country without a commission, up to 150 thousand rubles.

Another undoubted advantage of this card is the lack of conditions for charging 5.5% of PNO. No “spend at least n-tat rubles” or “keep at least n-tat rubles on a card”, as in most other banks.

There is only one significant drawback - it will take a long time to save 3,000 "rocket trumpets" to compensate for purchases.

2. Benefits, Home Credit Bank

• Pros: up to 10% per annum for new customers (if you draw up a card online before January 15), 10% cashback for entertainment and with selected partners of the bank.
• Cons: there are not branches in all cities, there are conditions under which the card will be free, frequent problems with the Internet bank.

One of the rare cashback debit cards that returns money for housing and communal services. True, only 1%, but this is good. The same 1% is returned for any purchases. And for entertainment services (including visits to water parks, cinemas, bowling alleys, circuses, etc.) as much as 10% of the cashback will be returned to you.

The annual percentage on the balance will be 10 percent if the card contains a balance of less than 300 thousand rubles and you make purchases in the amount of 5 thousand rubles per month. In other cases, it will be 7%, and if there are more than 300 thousand rubles on the card, then the PNO will be 3%.

A monthly fee for using the card is not charged if the same 5 thousand rubles are spent on purchases (payment of housing and communal services is also considered) or if the card contains at least 10 thousand rubles.

Another significant advantage of this card is the ability to withdraw cash 5 times without commission at any ATM in the world.

1. Tinkoff Black, Tinkoff Bank

• Pros: there is 6% per annum (for monthly purchases from 3 thousand rubles), a multi-currency card, convenient Internet banking, courier delivery.
• Cons: there are conditions under which the card is free, I will withdraw money from ATMs (except Tinkoff ATMs) without a commission - from 3000 rubles.

You can relate to the personality of Oleg Tinkov. But I must admit that the brainchild of his bank - the Tinkoff Black debit card - is a very convenient product that allows you to return part of the money spent on various purchases. For a number of categories, cashback is charged at a rate of 1%, and for some privileged categories (you can choose 3 categories from 6 quarterly), an increased cashback of up to 5% is charged. Various bonuses are also constantly offered - advantageous offers from partners. And cashback is paid not in “points”, “bonuses” or “thanks”, but in rubles.

Of course, there are pitfalls:

• There are a number of categories for which cashback is not awarded. They include the payment of housing and communal services.
• There will also be no cashback if the purchase amount was less than 100 rubles.
• When accruing cashback, there is a rounding down to an integer down. If purchases were, for example, 299 and 399 rubles, then the cashback will not be 2.9 and 3.9 rubles, but 2 and 3 rubles.
• Sometimes purchases are not in the category in which they should. For example, you paid with a card in a pharmacy, and credited your purchase as “home and garden”. However, the support service usually meets the users in this matter.
• For a month you can get only 3,000 rubles cashback for regular purchases and up to 6,000 rubles for purchases on special offers.
• Tinkoff Bank has no branches in Russia, with the exception of a single office in Moscow. All communication with support and operations are carried out through the Internet bank. However, as the sad experience of many investors shows, the presence of many offices does not guarantee that in one day the bank will turn into a "trust that burst."

In order for the debit card to be free of charge, you must either keep 30 thousand rubles a month on it, or have a deposit with Tinkoff Bank in the amount of 50 000 rubles, or have an active loan there. However, there is a rate of 6.2, which you can ask to transfer. So far, it is available to everyone, although it was initially considered a salary.

In this case, the card service (except for SMS informing) will be free. What's the catch? The fact that in this case there is no 6% per annum on the balance of up to 100 thousand rubles. But this limitation can be circumvented if, after switching to tariff 6.2, a savings account is opened.

Russian banks quite often change the terms of their cashback programs. Therefore, before issuing a card, carefully read the information on tariffs and conditions under which you will receive a small but very tasty piece of “porridge”.

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