Tinkoff cashback card: reviews, terms and conditions

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Tinkoff Bank makes every effort to make its cards popular. One of the attractive points is the cashback. It is available in all bank products, but each has its own characteristics. Because of this, the attitude towards him is ambiguous, which is well reflected in the reviews about the Tinkoff card with cashback. To understand why opinions differ, it is necessary to compare what a financial institution offers and what a user of a banking product actually receives.

What is cashback

The word came from the UK, and translated from English cash back means cash back. The term is used in various fields as a form of promotion to attract customers.

All banks issue cashback cards, Tinkoff is no exception. Bonuses in its products can be obtained for purchases and services that are used by almost all people. In reviews of cards with cashback from Tinkoff, some noticed that the bank, in principle, does not have"plastic" without bonuses. And this is true, the main thing is to choose the right one.

Tinkoff Black card

The Black card is one of the bank's first products. Its conditions suit most customers:

• What is the first thing customers say in their reviews? 10% cashback on Tinkoff Black debit card. True, such bonuses are accrued with a balance of up to 300 thousand rubles, under other conditions - 6%.
• Free cash withdrawal from 3000 rubles.
• Free replenishment through Tinkoff ATMs and bank partners.
• Commission for transfers to third-party banks (up to 20000) is not charged.
• Service is free with a minimum balance of more than 30 thousand rubles for the billing period or 50 thousand in the account. In other options, maintenance is 99 rubles per month.

Cash back from Black

Judging by the reviews, the Tinkoff Black bank cashback debit card occupies a leading position among all products of a financial institution. This is due to a simple, convenient, and most importantly, attractive bonus system:

• For any purchases, including online, cashback 1%.
• Increased cashback of 5% is credited for purchases in stores from a special category. It is self-selected every 3 months. In addition to shops, you can choose the categories "Transport", "Restaurants", "Fines".
• Up to 30% is returned for purchases through bank partners.

It should be taken into account that the cashback is credited for an amount that is a multiple of 100. This means that, for example,when buying for 199 rubles, 1 point is awarded.

Reviews about the Tinkoff Black card with cashback

Commercial bank products are widely discussed online. The financial organization is positioned as a mobile bank, so where, no matter how on the World Wide Web, you can find out an opinion about it.

The most discussed product is the Tinkoff Black card with cashback. Conditions and reviews will be presented below. The main advantage is that everything is done remotely in the same chats and forums. Cardholders note the simplicity of the conditions for registration, use, and receipt of cashback.

Some say that initially they were embarrassed by the monthly fee of 99 rubles for card maintenance and 59 for notification of transactions. Although the amounts are small, no one wants to part with their own money. Tinkoff returns bonuses for any purchases, no matter if it is a regular store, restaurant or online shopping sites. One point is equal to one ruble, so the cashback fully covers the service fee.

There are those who are dissatisfied with the bonus program. Increased cashback can only be received in boutiques, some retail chains and other places that are not found in small towns, not to mention villages and villages. There are few bonuses per month. In addition, in small towns, about 80% of the payment is made in cash, and without loss, you can withdraw from 3 thousand rubles. The amount is not always spent immediately, and it turns out that neither expenses nor bonuses.

Tinkoff Platinum

The Platinum card comes in only one version - a credit card. She has a small credit limit, only 300 thousand rubles, soit is suitable for those who quickly need a small amount. The conditions for lending and servicing are more than favorable:

• Grace period (interest-free) - 120 days if the loan is transferred from another bank, in other cases - 55 days.
• Loan interest - 12-29.9%.
• Maintenance of the card - 590 rubles per year.

You can get a card by filling out an online application on the bank's website. The decision can be found almost immediately after the application is submitted. The card will be delivered by the courier service of the financial institution.

If a client wants to transfer a loan from another bank, a number of conditions must be met. They apply to all Tinkoff credit cards:

• In the bank from which the loan is transferred, you must take a printout with the remaining amount of the debt.
• Pay all credit transfer fees.

After approval and receipt of the card, it must be activated via a multi-channel phone or via Internet banking.

Opinion of users about the Platinum card

Platinum and Black cards are the bank's first products. The conditions, of course, have changed more than once, depending on the economic situation. There are a lot of reviews about the Tinkoff Platinum card with cashback.

Reward for purchases through bank partners from 3 to 30%. Some in the reviews write that they took out a loan and used this money to make the necessary purchases in stores with increased cashback. In terms of interest on the loan was very low.

There are also many reviews of those who took moneyloan for travel. Cashback made it possible to eat at foreign restaurants very cheaply.

Tinkoff All Airlines Debit Card

Almost simultaneously with Black, the bank introduced the All Airlines product. The main feature of the All Airlines debit and credit cards is that the cashback is credited in miles, and they can be spent on buying air tickets. Moreover, there is no binding to any particular airline. Cards are issued in two categories and have different terms of service.

All Airlines World:

• Income 6% per annum on the balance on purchases of at least 20 thousand rubles.
• With an account balance of 100 thousand rubles. card service is free. In other options - 299 rubles per month.
• Maximum monthly reward 6k miles.
• Free $50,000 insurance.

All Airlines Black Edition:

• Income of 6% per annum is accrued without any additional conditions.
• Maintenance 1890 rubles per year. It is debited once, immediately, as soon as a sufficient amount is credited to the card or account.
• Monthly reward up to 30,000 miles.
• Convert miles to rubles - 1 to 1.
• The maximum amount insured is 100 thousand dollars. Insurance is issued free of charge.
• Having a personal manager in the bank.
• 2 free lounge visits per month with the Lounge Key loy alty program.

You can apply for a card online or by phone. 2 days after consideration of the application, the courier will deliver it to your home.

Reviews aboutdebit card with Tinkoff All Airlines cashback

Despite the great bonuses and ease of use, some have a negative attitude towards the bank's product. Almost always, dissatisfaction is associated with the inattention of people when they get acquainted with the conditions under which you can use the card. The Bank is distinguished by transparency and openness in its work with clients. To avoid unpleasant moments, you can always contact the employee and clarify the information.

In the reviews about the Tinkoff bank cashback card, there is great dissatisfaction with the fact that if there are more than 100 thousand on the card, and not on the account, you still have to pay for the service.

Many people don't like the reward system. Firstly, 6000 is very little, especially during the season when ticket prices increase by one and a half or even two times. Secondly, compensation is calculated in increments of 3,000 miles, i.e., the amount to pay for a plane ticket must be a multiple of 3,000. In practice, card users face approximately the following situations: if a ticket costs 7,000 rubles, then its compensation will be 9000 miles. If the ticket price is within 5500, then you will have to pay 6000 miles. Users complain that they are forced to buy more expensive tickets so that at least it would not be offensive.

The cards also have a huge plus - free insurance. True, it does not apply to all states, but insurance may not help in these countries (Afghanistan, Iraq, Somalia and others). Its validity period is one year, and it is extended on really favorable terms.

Users as a pluscelebrate a one-time reward of 1,000 miles on your first purchase.

Tinkoff AliExpress credit card

Probably, it is difficult to find a person who at least once did not buy something in the AliExpress online hypermarket. A wide range of products, serviceability and customer protection contribute to the increase in the number of the latter.

Given the potential of the hypermarket, the bank issued a Tinkoff Ali Express card, debit and credit. Credit card conditions have made it more popular among all similar bank products. On forums and in chats, the product is discussed more often in a positive way. Judging by the reviews, the Tinkoff Ali Express cashback credit card is considered one of the bank's best offers.

Many believe that 700 thousand credit rubles is exactly the amount that is quite capable of being returned with an average Russian salary. The interest on the loan is from 15 to 29.9%, among the population this rate is considered normal.

Cashback from purchases on Ali is 5%, which is a lot, especially when you consider that shopaholics spend quite a lot of money in the online hypermarket. Moreover, bonuses are awarded for any purchases, even for discounted goods.

Drive from Tinkoff

In early 2018, the bank issued new (debit and credit) Tinkoff Drive cards. They are conditionally called cards for motorists. This is due to the fact that when paying fines, paying them at gas stations, roads and various automotive services, bonuses are awarded.

According to reviews, a card with a cashback"Tinkoff Drive" is better to purchase a debit card. The conditions under which the credit card is given are not very attractive:

• You can borrow no more than 700 thousand rubles.
• High interest rate - from 23.9 to 39.9% per annum.
• Commission fee for each cash withdrawal up to 100 thousand rubles - 390 rubles, over 100 thousand rubles - 2% + 390 rubles.
• Monthly payment of at least 8% of the loan amount.
• Maintenance of the card 990 rubles a year.

Tinkoff Drive debit card:

• When opening an account or if there is a loan from Tinkoff in the amount of at least 150 thousand rubles - the service is free. In other cases - 190 rubles per month.
• Transfers to third-party banks on a card up to 20,000 per month for free. Above this amount - 1.5%, but not less than 30 rubles.
• Domestic transfers are free.
• Transfers to third-party banks by details - free of charge.
• Replenishment of the card up to 300 thousand rubles is free.

Opinion of Tinkoff Drive cardholders

Despite the fact that the bank's product is new, many motorists have used it. And most of the opinions about him are unflattering. Judging by the reviews, the conditions of the Tinkoff Drive cashback card are not quite what they seem at first glance. Bonuses are awarded in points according to the following scheme:

• When paying with a card at a gas station, 10% of the purchase amount is returned.
• For car services - 5%.
• Traffic fines - 5%.
• The rest of any purchases - for every 100 rubles spent, 1 point is awarded.

Looks likeeverything is very tempting, especially for those who constantly pay for the above. As stated in the reviews, "pitfalls" pop up after the cardholder tries to take advantage of bonuses:

• No matter how much you spend at gas stations, you can spend no more than 1000 points per month. It turns out that spending more than 10 thousand is simply unprofitable.
• Points for transactions at gas stations are not converted 2 to 3. In other words, if 2000 points are accumulated, then the purchase of gasoline can be compensated for 1333 rubles.
• Full refund for "Gasoline" and "Car Services" must be refunded no later than 90 days from the date of purchase. But you can only compensate after 2000 points have been accumulated.

But many write that if you do not focus on the intricacies of the bonus accrual system, then using the card is convenient and profitable.

Shopaholic Bonuses

Many believe in the reviews: a debit card with a Tinkoff cashback (and any) forces you to constantly make purchases. And they are right. But in order for people to receive more bonuses, the bank offers a number of products, the cashback for which is credited for the purchase of goods in a particular store:

• "ABC of taste". 5 bonuses are awarded for each ruble when buying in the Azbuka Vkusa network. 100 bonuses are equivalent to 1 ruble.
• eBay. For purchases in the store of the same name and for any online purchases cashback - 3%.
• Lamoda. Credit card with 5% bonuses for goods in Lamoda online stores.

These and other cards can bearrange via the Internet. The courier will bring it in 2 days.

Summing up

Reviews about Tinkoff cashback cards can be found both positive and negative. Earning points that are converted into money, or compensation upon purchase, is always nice. But the fee for using the product does not cause much enthusiasm. The bank offers a large selection of cashback cards, and many can choose the right option. And in order to avoid disappointment, you need to take a closer look at the conditions and clearly calculate the expediency of using one or another product of the bank.