Alfa-Bank Cashback card: owner reviews, features and conditions

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

Nowadays, many people actively use cashback cards. It is profitable to receive a certain amount from a completed purchase back to your account in the form of bonuses or real money.

There are a lot of offers today, but one of the most popular is the Alfa-Bank Cashback card. The reviews of its owners help to make sure that the product is really profitable. However, since the topic is relevant, it is worth considering it in more detail.

Debit card

I need to clarify right away: Alfa-Bank offers two cards at once, called Cash Back. One is debit and the other is credit. First you need to talk about the first option.

Here are the returns that a debit card provides:

• 10% on the bill from gas stations.
• 5% off food service orders.
• 1% off other purchases.
• Accrual up to 6% on the savings account.

Thanks to the cashback calculator, you can immediately estimate how much you can save in total. Let's say a person's monthly expenses are:

• Fuel for the car: RUB 15,000
• Restaurants and cafes: RUB 20,000
• Other expenses: RUB 20,000

Total 55,000 rubles per month. From this amount, the cashback will be approximately 2700 rubles. It turns out 32,400 rubles a year!

By the way, when applying for a Cash Back debit card at Alfa-Bank, you can choose the most favorable rate. There are three in total:

• "Optimum". Refund up to 24,000 rubles/year.
• "Comfort". Refund up to 36,000 rubles/year.
• "Maximum +". Refund up to 60,000 rubles/year.

Each tariff has its own characteristics. Of course, "Maximum +" opens up the most opportunities.

Customer Experiences

Now you can consider the reviews left about the Alfa-Bank Cashback card. Here are the main benefits noted by people who use it:

• The card is contactless, so it's convenient to pay from your phone. You can even leave it at home - the main thing is that the application is connected to the gadget.
• You can issue a card in no time. Very convenient: you just need to leave a request on the site and wait for a call from the manager, who will tell you everything about the conditions and features. The next day the courier will arrive with the card.
• All completed transactions can be monitored through the convenient Alfa-Bank application. It also provides the ability to open/close deposits, transfer funds between accounts, etc.
• You can really save on fuel. This is especially true now that gas prices arerose to extremely high levels.
• There are no additional insurances and hidden fees.
• Cashback comes in a single payment in the second half of next month. The return is immediately felt - no need to calculate by pennies how much you managed to save in the end.
• Cashback comes not with bonuses, but with real "live" money. They can be spent on anything or withdrawn from an ATM.

And of course, in all the reviews left about the Alfa-Bank Cashback card, people note the fact that this is perhaps one of the most profitable financial products today. Funds are actually returned. And the percentage is an order of magnitude higher than that of other banks.

Important Features

Many owners of the Alfa-Bank debit card with cashback specify in their reviews that this financial product is not suitable for everyone.

The main condition: a person must spend money. For shopping, cafes, restaurants, gasoline. And at least 20-30 thousand rubles per month (the exact amount depends on the chosen tariff). Only in this case, he will be credited with cashback next month. If he spends not 20,000 rubles, but 19,999, you can not expect a refund.

Someone may think that this is unprofitable. But on average, after all, this is how monthly expenses turn out. And if a person regularly spends on one or another category of cashback, then the card will bring him a special benefit.

Moreover, many customers exceed the upper limit for refunds. Cashback from 2 to 5 can be credited monthly on the cardthousand rubles, depending on the selected tariff. But if a person has spent, say, 100,000 rubles, then he will still be paid only the maximum amount, without additional interest.

Design nuances

The issue of such a card is free, but for the annual service you will have to pay 1990 rubles. In reviews of the Alfa-Bank Cashback card, many people advise doing this: issue it before some kind of event, event or long trip.

Why? Because it can be repaid immediately. Suppose an anniversary is coming, which a person will celebrate in a restaurant. What do you need? Issue a card shortly before the event in order to pay for dinner with it. Next month, a cashback will be credited for this, which will instantly pay for its release.

The owners of salary cards from Alfa-Bank were the most lucky. They don't have to pay for the service. You just need to contact the employer to receive interest from the payment of checks in public catering and gas stations. According to reviews, Alfa-Bank Cashback cards are quite easy for officially working people to get.

Credit card

As mentioned at the very beginning, this bank has two Cash Back cards. Now let's talk about credit. The list of its advantages and features is impressive:

• 10% off gas stations.
• 5% off food service orders.
• 1% off other purchases.
• The credit limit is 300,000 rubles.
• The rate is 25.99% per annum.
• 60-day interest-free period.
• 15% discounts from bank partners.
• Ability to exercise for freetransfers of funds to close loans from third-party banks.

The conditions for receiving a refund are the same - you need to spend at least 20,000 rubles in retail outlets. The maximum monthly return is 3,000 rubles.

The issue of such a card is free. Maintenance of the main card will cost 3990 rubles / year. There is also a cash withdrawal limit of 120,000 rubles per month. For this, a commission of 4.9% is charged (minimum - 400 rubles).

What do you need to get a credit card?

What else do consumers say in their feedback about Alfa-Bank Cashback cards? 10 percent refund of money spent on fuel is quite real! You can apply for a credit card without leaving your home. The maximum waiting time for a response from the bank is 1-2 days. Then you need to come to the office at the appointed time with documents to conclude an agreement and receive a card. Here are the requirements for a client who wants to become its owner:

• Application form.
• Passport of a citizen of the Russian Federation.
• Additional document. One of the following will do: SNILS, foreign passport, driver's license, TIN or compulsory medical insurance policy.

To receive a lower interest rate and a higher credit limit, you must present a copy of one of the following documents:

• Front side of the VHI policy.
• Vehicle registration certificate.
• Passport with travel information for the last year.

To get the most favorable conditions, you will need a certificate in the form 2-NDFL for three months of work.

Credit card reviews

People who own it note that this is a very interesting and convenient product. With the help of such a credit card, you can make the most of the full range of services offered. Here are some of its advantages noted by the majority of Alfa-Bank customers:

• The interest-free period is as much as 60 days - 2 months. You can use borrowed funds during this time for free. And the monthly mandatory payment is only 5%. And there is no limit to the number of grace periods.
• To apply, it is enough to have a monthly income of only 5,000 rubles (9,000 for Muscovites).
• If you repay the debt on time and use the card more often, the bank will increase the credit limit.
• Customers are offered free mobile banking.
• A welcome bonus is awarded, the amount of which depends on the type of card.

In general, the reviews about the Alfa-Bank card with a 10% cashback at gas stations are also positive. It's nice to have a financial "airbag" in your pocket, using which at the right time you can get a bonus in the form of a refund.

Earnings on the card - profitable and real

A little attention should be paid to this topic. In many reviews about the Alfa-Bank Cashback credit card, people write that it can be used to earn money. How?Very simple, although the scheme discussed below will take some getting used to.

To get an extra penny, you will need:

• Credit card with cashback.
• Debit card.
• Savings/income account. Or a map, which is even more convenient.

What should I do? As soon as a person receives a salary, it must be transferred to an income card. The money will "work" there - to bring interest. What to live for the next month? With credit card funds with cashback! The interest-free period is 60 days, and it will be possible to repay it from the next salary without overpaying anything.

The balance, if any, can be transferred to a savings account to the amount already available there. And again pay off the credit card. The main thing is to pay off the debt in full. No spending, only profit: cashback from a credit card and interest from an income account.

For travelers

It should be noted that Alfa-Bank has many offers that are beneficial for people who travel frequently.

In total, 16 different cards are issued to help save on travel. The most profitable is Alfa-Bank Aeroflot. If you pay with it, you can accumulate a lot of bonuses. For every 60 rubles spent, 2 miles are credited.

And those who like to travel by trains will like the RZD Bonus card. Paying with it, you can get 1.75 points for every 30 rubles.

And of course, in addition to miles and bonuses, each of the 16 cards has its own interesting features andbenefits.

Any other offers?

Finally, it is worth reviewing Alfa-Bank cards with cashback. In addition to the above two proposals, there are many others. These cards can be issued at the bank:

• "Pyaterochka". Terms: 2,500 welcome bonuses, the same amount on your birthday, 2 points for every 10 rubles spent at Pyaterochka, and 1 point for purchases in other stores.
• "Crossroads". Terms: 2000 welcome bonuses, up to 3 points are awarded for every 10 rubles.
• "M. Video". Conditions: 1 point for every 30 rubles spent in the M. Video network and 1 point for 90 rubles for purchases in other places.
• Amway. Conditions: 0, 3 bonuses for every 1000 rubles spent on any purchases.

Before, the bank also issued Cosmopolitan and Men's cards. From 2017-01-08 they were no longer issued, but the service continues until the expiration of their validity.