Credit card "Tinkoff All Airlines": reviews, conditions and features

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

Not every person can afford frequent trips to other countries. But even if you do not have such a financial opportunity, with the right approach, you can buy a plane ticket using miles. By purchasing goods and services with a bank card, you receive bonuses that can later be spent on tickets. In this article you can read about the Tinkoff All Airlines card and traveler reviews about it.

Miles to fly

Currently, almost every airline and many banks have bonus miles programs. What are miles and what do they affect? A mile is a conventional unit by which companies evaluate customer loy alty. By themselves, they resemble similar programs in supermarkets: you buy goods, and points are awarded to your bonus card. The same applies to miles. Many people think that free miles programs are a great way to save a lot of money ontickets, but this is not entirely true. In fact, this is most beneficial for those people who make business trips to other cities or countries, as well as professional travelers. The rest of the people who fly a couple of times a year will not benefit from miles.

Miles expire on December 31st as a rule. What perks can bonuses give?

• Purchasing discounted air tickets.
• Free hotel reservations and car rentals while traveling.
• Skip-the-line check-in.
• Upgrade ticket class (from economy you can be transferred to business).
• Visit VIP lounge areas.

Miles are divided into premium and status miles. The former give the opportunity to buy a ticket or upgrade their class. And status ones allow you to purchase pleasant bonuses for service on board an aircraft or at the airport.

Tinkoff All Airlines debit card

Tinkoff Bank has a bonus program that allows you to earn miles and buy tickets for them. It is enough just to make purchases from the card, and then buy tickets in any airline. Until 2016, Tinkoff issued only credit cards, but after this period, debit cards were also added. Reviews of the Tinkoff All Airlines debit card show that miles are transferred to the card as follows:

• 30% is transferred to the bonus account if you buy from bank partners.
• If you buy monthly goods worth at least 20 thousand, then youaccrue 6% per annum on the card balance.
• 1% miles earned on all purchases.
• 1, You will receive 5% if your card has a permanent balance of at least one hundred thousand rubles.
• When paying for tickets through the Tinkoff. Travel service, you will be credited with 3%.
• 8% will be credited subject to booking on this service.

As you can see, the card is quite profitable if you actively use it. But won't the monthly payment eat up all the bonuses? In the company it is 299 rubles per month or 3588 per year. But reviews of the debit "Tinkoff All Airlines" indicate that the service becomes free for those customers who have at least 100 thousand rubles in their account every month. This way you can save quite a decent amount.

Credit card

The Tinkoff All Airlines credit card works on a slightly different principle. It allows you to spend funds with a grace period of 55 days. According to reviews of the Tinkoff All Airlines credit card, if you have time to repay the funds during this time, then no interest will be charged to you, and miles will be counted. Therefore, this is a fairly profitable acquisition for those who know how to meet deadlines and competently manage their funds. What are the conditions for using an All Airlines credit card?

• If you spend more than 300 thousand rubles in the first three months, then 5000 miles will be credited to your bonus account.
• 30% of spentyou may be reimbursed if you participate in special promotions that you can track in your "My Account".
• 1% when paying utility bills and the Internet through the "Personal Account".
• 5% off air and train tickets.
• 2% on any card payments.
• 10% off hotel or car bookings.

There are more bonuses for using a credit card than for a debit one. The cost of annual maintenance is only 1890 rubles per year. When you apply for a credit card, you will get $50,000 free travel insurance to accompany you on all your trips. There is another version of the card from Tinkoff - All Airlines Black Edition. Reviews position it as a premium segment card that allows you to use funds up to 2 million. The maximum reward is limited to 30 thousand miles per month, which allows you to buy much more air tickets. The price includes the service "Alfred": a special person will pick up and take your car for repairs, and then deliver it back. The cost of maintenance is 1490 rubles per month or free of charge under certain conditions.

S7 Airlines

S7-Tinkoff is another bonus card, but it only works for S7 flights. The conditions are quite simple:

• When buying on the airline's website, you get 3 miles for every 60 rubles.
• If you pay for purchases with a card, then you will be credited with 1.5 bonus miles for 60rubles.
• If you took part in special offers, you can be credited up to 18 miles for 60 rubles.

Reviews about "Tinkoff S7 Airlines" show that if you spend about 80 thousand per month on the card and buy S7 tickets in the amount of 60 thousand rubles, then the amount of bonuses will be 27,000 miles. This gives you the opportunity to buy a round-trip ticket to Yekaterinburg, Sochi or Crimea. Reviews about the Tinkoff S7 Airlines card also indicate that this card is the most profitable to use for buying tickets within Russia.

How to get?

If you have already decided on the type of All Airlines bank card, then you just have to issue it and get approval from the bank. How to apply for Tinkoff AllAirlines? To do this, just fill out a special form on the Tinkoff website, in which you need to specify your full name, email, mobile phone number and the desired credit limit.

Reviews on the Tinkoff All Airlines debit card indicate that the bank makes a decision quite quickly, so you should soon wait for an email notification or a call from the operator. There are several ways to get All Airlines:

• Courier delivery.
• Russian Post.

Both shipping options are free. After receiving the card, the owner must activate it on the bank's website and come up with a PIN code. Be sure to sign the card on the back, otherwise it will not be considered valid.

What are bonuses for?

People often searchreviews and reviews about the Tinkoff All Airlines card before issuing. This allows you to get a real idea about the product and its benefits. What are miles credited for and what purchases are most profitable to make with this card, according to experienced travelers?

• Flights.
• Shopping in any category.

But the bonus conditions are slightly different for debit and credit cards. If you can pay off your card debt within the grace period, then it is better to get a Tinkoff All Airlines credit card, as it provides more benefits.

How to earn miles correctly?

How can you earn miles so you can afford extra travel in the future? It's simple: the more you spend, the better. Indeed, for every 100 rubles spent, from 1 to 3 miles are returned to your card. At the same time, you can spend them without any restrictions at all: for buying tickets of any airlines, as well as for booking hotels and cars. There are several conditions for faster miles accrual:

• For debit cards, the minimum account balance must be at least 100 thousand rubles.
• For credit cards, the monthly turnover must be above 20 thousand rubles.

The conditions for using the Tinkoff card require the owner to receive additional miles, which are credited as a bonus. For credit cards, the so-called "welcome miles" are provided, which give 10 thousand miles for a turnover of over 500 thousand on All Airlines credit cards in the first three months. Of course, just for the sake of receiving this bonus, spending such an amount is notquite beneficial. But if you already make purchases for large amounts, the Tinkoff card can be a profitable bonus for your spending. If you own a debit card, then you will need to spend at least 300 thousand rubles in order to receive 5,000 bonus miles.

Why don't they get bonuses?

There are a number of exceptions to the accrual of bonus miles. For example, according to the terms of the bank, the following operations are not taken into account:

• card replenishment;
• cash withdrawal from an ATM;
• transfer operations to an electronic wallet;
• transfers to the account of brokerage services;
• payment for utility services;
• payment for mobile communications.

How to spend it?

Spending bonus miles is much easier than saving. But still there are certain nuances that need to be considered when planning a trip:

1. Bonus miles cannot partially cover the cost of tickets.
2. Minimum redemption amount is 6,000 miles.
3. Decommissioning comes in increments of 3,000 miles. For example, if a ticket costs 16,000, then 18,000 will be deducted from you. Therefore, it is advantageous to purchase tickets worth a multiple of 3: 6 thousand, 18 thousand, 21 thousand, etc.
4. When buying tickets on the Tinkoff. Travel”, as well as when booking hotels on the Booking.com website, part of the bonuses are credited to you immediately, and part - after 60-80 days.
5. Miles are used only as compensation for the cost of purchasing air tickets. That is, first you will need to spend your own money, whichthen you will be reimbursed with bonuses.

Pros and cons of the card

Like any bank card, All Airlines has its pros and cons. Among the advantages of a credit card, the owners note the following factors:

• It can be used as a deposit for hotel or car reservations.
• Free insurance.
• The ability to combine several accounts in different currencies on one card and, if necessary, switch between them.
• If you repay your debt on time, you get the opportunity to spend money from the bank absolutely free.
• If you use a debit card, you will earn interest on your card balance.
• Reviews about Tinkoff All Airlines also show that it is profitable to pay abroad with this card with a ruble account. Currency conversion takes place at the rate of the Central Bank plus 2% commission.
• After registration, the card will be delivered directly to your home for free.

What negative reviews about Tinkoff All Airlines can be found?

• Complicated compensation conditions. The confusing system of mileage accrual is misleading for many, so it's better to read all the conditions in advance so as not to be disappointed later.
• Transaction alerts are paid: you will have to pay about 60 rubles for it every month.
• Annual maintenance of the card costs 1890 rubles. For this money, you are provided with free insurance, but this price still repels many.

Tips for advanced travelers

There arecertain rules that allow you to use the Tinkoff All Airlines credit card without harming your wallet. To do this, it is not necessary to have a financial education, just read the advice of experienced travelers:

• Try to book only "favorable" tickets, the cost of which will be a multiple of 3. Then the compensation will be maximum. If you are going to buy tickets for 13 thousand rubles, then 2 thousand miles will simply “disappear” from you.
• Never withdraw money from ATMs, especially other banks. The Tinkoff All Airlines bank card is designed for non-cash transactions, therefore, by withdrawing cash from it, you automatically receive a large commission and exit the grace period. In fact, it turns out that you are taking out a loan at huge interest rates.
• Timely repayment of debt will allow you to use the bank's funds for free. If you still have a debt that you cannot repay on time, then do not forget to make the minimum payment, otherwise you, again, will be charged high interest.
• When you apply for a credit card, you are automatically assigned insurance. You can turn it off in the mobile app and it will save you money. The cost of the service is 0.89% of the amount owed per month.

How many miles do you need to earn to afford a plane ticket?

Avid travelers and just people who like to save money like to look for great deals. The card from Tinkoff All Airlines allows you tosave up to 20-30 thousand per year. It is quite easy to calculate the future benefit. For example, if you spend 100,000 rubles a month from a debit or credit card, then about 24,000 miles will return to you in a year, which is equivalent to 24,000 rubles. If you use this card to purchase tickets, you will save even more. For a family with an average income, using All Airlines is quite possible to purchase vacation tickets for free.

The main trick of the bank

Most of the negative reviews about Tinkoff Bank and All Airlines are left by those owners who have the wrong idea about how such cards work. Credit cards are designed so that a person can spend small amounts (10-30 thousand rubles) during the grace period, while his own money is deposited at interest. In the event that you are unable to pay off the debt on time, such a scheme is unlikely to be profitable. According to the terms of the agreement concluded when applying for a Tinkoff All Airlines credit card, if the debt is not repaid within 55 days, the interest rate on it will be 30%. An ordinary bank loan goes at 11-16% per annum. If you delay the minimum payment, your debt will increase by another 590 rubles, if this is the first delay, and by 1-2% per annum for subsequent ones. Together with credit insurance, the interest rate in total can reach 43% per annum. To this amount, in case of non-payment of the minimum payment, a pen alty is added from the amount of debt at 19% per annum. So it turns out that you have to payno longer 30, but all 70%! These are extremely unfavorable conditions that can make you into large debtors. If the cardholder made a purchase in the amount of 20-30 thousand rubles at a time, and then pays 2-3 thousand rubles every month during the year, then after 12 months his debt does not disappear anywhere. That is why, without calculating their strength, people are surprised to discover in a year that they owe the bank a round sum.

Reviews

Reviews about Tinkoff All Airlines and the terms of use of the card show that this is a fairly profitable purchase if certain requirements are met. Some owners say that with its help they were able to purchase air tickets for free. Others are unhappy with high fees and interest on a credit card. Who is right? The Tinkoff All Airlines card is worth purchasing if your monthly spending on it is at least 50 thousand rubles, you often travel or go on business trips. As a regular credit card, it is much better to issue a card from another bank. After carefully reading the terms of the contract and weighing all the pros and cons, you will definitely not regret your decision.