Cashback for almost everything

Grade: 5

The cost of servicing the "All at once" credit card is 1490 rubles / year, it is possible to order a card with an individual design, but its service will be more expensive - 1990 rubles. in year. Although the bank often holds promotions, if you spend a certain amount from a credit card in the month of receipt, you can use the card for free for a whole year, there is also a promotion for the free issue of an additional card.
It is allowed to order the main or additional card not named, then its issue will be instant. When registering a card, the bank automatically connects insurance, according to the manager, if you refuse it during registration, you may not receive a loan, therefore it is better to turn off insurance after receiving the card.
A distinctive feature of the "all at once" card is the accrual of a cashback of 1 point for every 50 rubles spent. Points are awarded for almost everything, even for housing and communal services, tax deductions, payment of fines, etc. Points are not awarded, mainly for cash withdrawals and other similar operations. They are exchanged like everywhere else, in your personal account, they can be exchanged not only for purchases, but also for cash, the most advantageous offer of the bank is 50 thousand rubles for 20 thousand points, but for this you need to spend a million rubles from the card.

Grade: 4

I received the card after 2 weeks of waiting - they checked the income statement. Then an invitation came from the bank to email come to the office and get a card.
I realized that in order to compensate myself for the service fee of one and a half thousand, you need to pay with the card as much as possible and accumulate points. They are charged in the proportion of 1 for 50 rubles, but the maximum amount of points in one store can be obtained only for 50 thousand rubles, the rest of the purchase is not taken into account. There is also a limit on the total amount of points - it is limited to 1,500 points or 75 thousand rubles spent on purchases. I have credit limit 400 thousand, the rate was approved by me 37%. V Grace period Until I can pay off, I pay the bank interest.
In general, the card is not bad, but not ideal, given the high% for using the credit limit.

Grade: 4

I took a credit card from this bank for the first time. The loan was given, even twice as much as I requested. I needed to take out a loan for a tourist trip, so I was in a hurry. But the relationship with the bank has developed.
The connected Internet bank showed all my expenses and expenses on the card. At the same time, cashback was charged - for every 50 rubles. I paid with a card and a communal apartment, by the way, without a commission, I paid in stores, even abroad. Grace - the period is such that it is necessary to pay until the 27th, so I tried earlier and I did not spend extra money for a loan. I'm happy!

Grade: 4

Card with interesting conditions. Firstly - an individual design, for which no one will ask you money. Secondly, it is a chip card with high protection against burglary. Thirdly, in terms of cashback, it is very profitable terms and a good affiliate network where you can spend earned points.
I don't really like that you have to pay for the service. I found out at the bank that if I opened the same debit card for myself, then I would not have to pay for the service with the credit card. In this case, points for purchases on both cards will be added up.

Grade: 4

The card is attractive. Especially because you can choose a design at your own discretion. There are a lot of points where you can earn points. It is not possible to spend these points everywhere, but the list is constantly expanding. I have already exchanged my points for purchases.
Annual maintenance is expensive in my opinion. In general, you need to pay 1,490 rubles per year. They also charge 60 rubles for SMS (the first 2 months are free).

Grade: 5

I opted for a credit card All at once from Raiffeisenbank. I was bribed by the opportunity to order a card with an individual design - now my beloved pet flaunts on my card.
Under the terms of the loan, everything is very simple and straightforward. There is a grace period of 52 days. I calmly fit into it and manage to use the bank's money without interest. In addition, 5% is returned from all purchases. I also keep my money on this card. It also accumulates points that can be used for travel.
The undoubted advantage of the card is that by placing an image on it that you like, you can get a lot of positive emotions. After all, usually credit card causes a slight negative, reminding us of monetary debt, but here there will be a completely different effect. Positive thoughts and emotions will help you cope with any monetary obligation and still manage to get benefits.

Grade: 4

I have been using the Raiffeisenbank card for a little over 4 months. It was not immediately possible to figure out the terms of use, so I already had to pay interest on the money that I used. I did not take into account that cash withdrawals from an ATM are not included in the grace period. It turns out that a grace period of 51 days applies only to card transactions in stores and through Internet banking.
A pleasant thing - for all non-cash transactions with the card, even for payment utilities via the Internet, I get some points. Also, on my birthday, the bank gave me a gift of 500 points, which is 1,250 rubles. It turns out that servicing my card has practically paid off. For it, after the first purchase made on the card, my bank wrote off 1,490 rubles - the fee is withdrawn immediately for the entire next year. Maximum amount points per month that can be earned - 1500. I try to take this into account when planning large purchases. In fact, I have accumulated points for the time of using the card for 10 thousand rubles. I have already spent them safely.

Grade: 5

I ordered the card through the bank's website. I really liked the idea of ​​the bank to create a card with an individual design. Following the instructions of 5 steps, I consistently chose the design - there are a very large number of options, you can download either ready-made ones that the bank offers, or a photo from your computer. You can even choose where the bank logo will be placed on the card - on the right or on the left. This makes ordering the card fun. The bank sends information on the progress of consideration of the application to the specified e-mail.
To begin with, they set a small credit limit for me, only 110 thousand rubles (the maximum amount is 600 thousand rubles). When you make purchases using this card, 1 point is awarded for every 50 rubles spent. If you withdraw money from an ATM, no points are awarded. On your birthday you get a gift from the bank - 500 points. The accumulated amount of points can be spent on different purchases... Points can be donated to charity if desired. Interesting map.

Grade: 5

I have a credit card "All at once" from Raiffeisenbank. The credit card offers favorable terms of use. Interest rate - from 29%. Service of the card is 1,490 rubles per year, despite the fact that I have a standard design. With an individual design, the service is 1,990 rubles. SMS connection - 60 rubles. Internet and mobile bank can be used for free.
The card makes it possible to transfer funds between cards, receive cash, and make quasi-cash transactions. The cost is 3% of the amount + 300 rubles.
At the same time, the interest-free period for using funds from the card is up to 52 days. During this period, no interest is accrued on the amount used. You only have to pay the minimum payment.

I am very attentive to the grace period and the maturity of the debt, so I faced interest only once, at the very beginning, due to inexperience. And I'm not afraid to keep money on this card. During its existence, Raiffeisen has earned my trust. Up to the point that I transfer funds from my salary card of another bank to this one in order to receive cashback.
The card has a decent and interesting design. Where I get it, everyone pays attention to it. I was warned about an interesting design even in the bank before registration. By the way, they issued it for me in 10 minutes. True, to get it you have to be a client of the bank.
When my personal money runs out, and there are still a few days before my paycheck, then I start using a loan. The trick is that there is a grace period and, having received a salary, I replenish the card again and do not pay interest. For cashback, I prefer to issue a certificate for Yandex taxi.

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12 months ago

Percentage on balance

It's simple - 4.5% without additional conditions and restrictions on the amount of the deposit.

Pros and cons of Rocketbank

Pros:

• Shopping on eBay, Amazon, Computeruniverse, etc.? Then you are very lucky- after all, "Rocketbank" exchanges dollars and euros for rubles on the same day. Plus it does it at the exchange rate, which is not that much different from the Central Bank rate. The Rocket course is changed every 5 minutes. So the card insures the owner against situations like “the dollar was one today, and tomorrow it was different”.
• Convenient to withdraw cash... At any ATM in Russia, up to 150,000 per month.
• Convenient to translate small amounts to other banks... Up to 30,000 per month - free of charge, then 1.5%. And according to the details - no commissions will be up to 1,000,000 rubles!
• Cool account analytics- everything is very convenient and clear.
• A really powerful app for iOS and Android - can keep general statistics on spending with a friend or split the bill at the cafe- take from a friend exactly half or the amount that you indicate.

Minuses:

• If you do not live in one of the 29 cities where Rocketbank is located, then 350 rubles will be charged for delivery.

TheCashBack comment: Rocketbank will definitely suit those who buy goods abroad. But everyone else should take a closer look at the card - the conditions for both cashback and% for the balance are generally good.

Benefit

Actually, all the benefits of the Benefit card can be summarized in one screenshot:

... or to the video:

Cashback

Return conditions:

• • 10% on clothes and shoes:

• 3% on Gas stations, cafes, restaurants and travel;
• From 10% in selected partner stores (“points for purchases in selected categories”).

There are very famous brands:

• Cashback 3% on categories connected for "Benefit" points: goods for children, animals, repairs, gadgets, etc.:
• Cashback 1% on all other purchases (“base points”). Good news: accrued incl. for "communal", taxes and fines of the traffic police!

For convenience, a cashback cheat sheet from Polza:

The maximum number of "base" points, ie. for “ordinary” purchases - 2,000. separate categories"- 3,000.

Percentage on balance

Sometimes it is better to show once than to paint long and tediously:

Regarding the promotion: 10% for an amount up to 300,000 rubles, if you issue a card online(!) Until December 30 and spend on it purchases for 5,000 rubles every month. Then, within 90 days, the bank will accrue 10% on the account balance. From the 91st day - 6% on the same terms. If you do not spend 5 thousand rubles on the card, the% on the balance will not be paid at all.

In other words, in order to receive "percentages", the card must be used. But it's worth it - still 10% per annum! True, the threshold for the amount is not so big here - 300 thousand rubles. For everything that is more, only 3% will be credited.

Pros and cons of "Benefits"

Pros:

• Free release and maintenance for the first 2 months;
• It is convenient to replenish from cards of third-party banks;
• Transfer to another bank costs only 10 rubles;
• Supports Apple Pay, Samsung Pay and Google Pay.

Minuses:

• If you do not make purchases in the amount of more than 5,000 rubles per month, starting from the 3rd month after registration of the "Benefit", a monthly maintenance fee is charged - 99 rubles.
• Paid SMS-informing - 59 rubles / month. Although it can be turned off - SMS about the most important card transactions will still come (free of charge).

Raiffeisenbank: cashback on the card "All at once"

Modern payment tools eliminate the need to carry cash with you. Buying has become easy. Plastic cards with PayWave support allow you to instantly purchase items without even entering your PIN. And various promotional offers make cashless purchases attractive. Banking products Raiffeisen cashback offer up to 5%, which undoubtedly increases their popularity among customers.

Raiffeisenbank card with 5 percent cashback

The card, designed for cashless payments, allows its owners to pay for goods and services. Bonuses are awarded for such transactions. They can be exchanged for partner certificates or a refund.

Raiffeisenbank card with cashback allows you to withdraw cash from ATMs of JSC Raiffeisenbank. The restrictions are set in the following volume:

• no more than 200,000 rubles per day;
• no more than 1,000,000 rubles per month.

The credit card "All at once" is allocated a limit of up to 600,000 rubles. Different tariffication of payment for use has been established credit funds depending on the category of the borrower from 23 to 39%.

Requirements for cardholders

To use debit account Raiffeisenbank, it is enough to have a Russian passport, residence permit, etc. When considering an application in mandatory checked credit history... Clients wishing to get a credit card must meet certain conditions:

• Russian citizenship;
• age within 23-67 years;
• work experience in one place for at least six months;
• income of at least 25,000 rubles;
• permanent registration;
• availability of a telephone;
• lack of data in Rosreestr about bankruptcy.

Methods of registration of the card "All and at once"

Get comfortable payment instrument from Raiffeisenbank with cashback to the card in two quick ways:

• visiting any branch with a passport;
• by filling out an application on the website.

A debit account opens quickly. It is enough to indicate the data, date of birth, registration and in the near future the manager will contact the client to confirm the request.

You can also apply for a credit card at a bank branch, online, it is possible to call a loan officer to the office to clarify the conditions and submit an application. Additionally, it is necessary to wait for consideration, as well as take out insurance, otherwise there is no need to hope for a positive result.

• The "insurance" service is voluntary, but banks try to impose it under any pretext (most often they threaten to refuse). But a bank can refuse for hundreds of different reasons, you should not hope that by agreeing to insurance, you will have 100% approval.
• The client has the right to refuse insurance even after concluding an agreement with the bank.

Documents for obtaining a credit card

To receive a card, it is enough to provide passport data and sign the necessary documents. Borrowers are subject to separate requirements. There are four categories of persons applying for a credit card:

• new clients;
• holders salary cards ;
• employees of companies cooperating with the bank on special program issuing loans;
• individual entrepreneurs.

List required documents will be different. Clients who do not have a salary account with a bank must provide proof of income in any form. If necessary, the bank can request documents for property and / or a passport.

Information for youth

• The NEXT youth card provides many benefits for active people. Individual design, availability of bracelets with PayPass technology, discounts and bonuses in brand stores, cafes and restaurants, and much more.

Loyalty program connection

All and at once cardholders get the opportunity to participate in the bonus program. For every 50 (100) rubles spent using non-cash transactions, 1 point is awarded. In the future, they can be spent as follows:

• buy a certificate from OZON.ru;
• pay for the trip in Yandex Taxi;
• exchange for miles in the S7 Priority program;
• get money into the account.

All points accumulated on the Raiffeisenbank card under the cashback program can be viewed in your personal account on the website vsesrazu-raiffeisen.ru.

Principle of cashback accrual

By concluding an agreement with the bank, the client participates in the loyalty program. For credit cards, 1 point is awarded for every 50 rubles spent. For debit account holders the first year - 1 point for 50 rubles, the second and subsequent years of use - 1 point for 100 rubles.

With a fractional number of points, the bonus amount is rounded down. There are restrictions on the number of points:

1. You can accumulate a maximum of 40,000 points in one year.
2. You can spend no more than 1000 points per month in one retail network.

Cashback on two cards

The bank provides a unique opportunity for clients to receive two cards at once: debit and credit. Points will be accumulated according to the terms of the loyalty program on each account separately and will be summed up.

Thus, the holder of two cards receives twice the benefits and the total amount of cashback will be 10%(You can learn more about the cashback functions by studying the next one). For each account, the amount of the limit on the use of points is calculated separately. Cashback conditions at Raiffeisenbank receive a lot of positive feedback. Ample opportunities provided financial institution customers made this banking product very popular.

The main feature of the "All at once" card from Raiffeisenbank is high percent return for purchases. 5% cashback is one of the best offers on the market card services... Imagine how much money can be saved (returned) within a year!

Of course, this all sounds tempting. And this is exactly what the bank uses, focusing on increased size Cash back - 5% FOR EVERYTHING.

But not everything is as smooth as it might seem at first glance. The card is cool, of course. But ... only for certain categories of owners.

In order to get the most out of the card from Raiffeisenbank, you must first know all the conditions (including hidden or implicit at first glance).

And only then decide whether you need this plastic or not.

So let's go ...

Main conditions

The "All at once" card is issued in 2 versions:

• credit;
• debit.

Their main parameters are identical. Therefore, first we will analyze the usual debit. And then let's go over the credit plastic.

The bank lures potential cardholders with the following conditions:

• cash back - up to 5%;
• free year of service (hereinafter RUB 1,490 annually);
• double points for purchases in the first 365 days;
• SMS informing - 60 rubles per month (the first 2 months are free);
• free bonuses and promotions throughout the year;
• cash withdrawal from ATMs (relatives and partner banks) - no commissions.

How and who can get the card

The requirements for obtaining plastic are quite loyal.

Age from 18 years. Russian citizenship. Local registration is not required.

The order can be placed online, immediately on the official website of the bank.

As the bank promises, to receive debit card you only need a passport.

To approve a credit card, you additionally need to provide a certificate of income in the form of 2-NDFL, or a certificate in the form of a bank.

Alternative documents are allowed: documents for a car, scan of a passport with a mark on crossing the border for the last 12 months.

In practice, getting the card turned out to be not so easy. The author of the article left an online application on the bank's website. A week later, an SMS notification came from Rife about the readiness of the personal card.

After visiting a bank branch (and having lost about an hour in the queue), it turned out that my card was denied. To the question "why did you receive an SMS about readiness?" Marinka did not answer anything worthwhile.

But she offered to issue a paid credit card. Naturally, given this attitude of the bank towards potential customers already at the stage of the beginning of cooperation, he politely refused the offer.

Cashback conditions - 5% for everything?

The most "delicious" that the "All at once" card has is of course bonus program... Or the loyalty program, as Raiffeisenbank calls it.

All accruals (cashback) are made in points. And the first time it is difficult to grasp - how much will one point cost in rubles?

In the first year of using the “All at once” debit card, the bank “pours” 1 point for 50 rubles. From the second year, only for 100 rubles.

To understand the value of points, you need to look at how they can be used.

In the classical sense, cashback does not return. For purchases, you get the notorious points, which can either be exchanged for a certificate (Ozone, Yandex taxi), or receive a monetary reward.

Naturally, we will consider the last option - money.

The exchange is possible with the accumulation of the minimum level of points. Moreover, the more points, the more favorable the exchange rate will be available.

Knowing how many points are awarded, you can calculate the real size of the cashback in the percentage we are used to.

If we take into account 1 point for every 50 rubles spent, it turns out:

• To receive a cash back of 250 rubles, you need to accumulate 500 points or spend 25 thousand. Real cashback will be 1%.
• A certificate for 600 rubles per 1000 points (the amount spent on the card is 50 thousand) corresponds to a cashback of 1.2%.
• The exchange of 4,000 rubles for 4,000 points is available for spending 200 thousand. This corresponds to 2% "porridge".
• Well, the most profitable and difficult to achieve exchange scheme is 50 thousand rubles for 20,000 points. Everything is simple here. You need to spend exactly a million!

As a result, this is what gives the coveted 5% cash back.

The accumulated points have a lifespan of 36 months.

It is quite possible to accumulate 20 thousand points in 3 years with an average spending of even 30-40 thousand monthly.

Or even in just a year - you need to spend 84 thousand a month. But…..

The bank does its best to ensure that the client does not receive the coveted 5% cashback.

At first, a limitation has been introduced on the maximum possible size of the monthly accrual of points - 1,500. Or purchases for 75 thousand rubles.

From January 1, 2018, the bank changes the conditions for the card. The maximum monthly limit is limited to 1,000 points (instead of 1,500). In other words, cashback is credited for purchases up to 50 thousand rubles. Anything on top is not rewarded.

Secondly, from the second year of using plastic, the bonus program deteriorates 2 times - 1 point is given for every 100 rubles. There are two ways out of this situation: either accept and get up to 2.5% cash back, or get a credit card (for 1490 per year), with constant rate 1 point for 50 rubles.

Earlier, at the start of the program, there was no monthly limit of 1,500 points. And many "advanced" clients took full advantage of this "hole". They paid for large purchases with a card (for example, a car) and in just a couple of months they received their reward of 50 thousand rubles. The bank quickly covered up this opportunity.

Promotions, goodies and other pluses

Present

Gift 500 points from the bank on your birthday. If you convert at the rate of 5% cashback, we get the cash equivalent of 1250 rubles. Almost the cost of an annual service. When exchanging for a certificate 4,000 rubles for 4 thousand points - we have 500 rubles. One way or another, gifts are always a pleasure to receive.

From 2018, they will give 300 points for their birthday and 200 points for New Year... Also, all new customers have a welcome bonus - 300 points.

100% refund

Cashback on the "All at once" card is really credited for almost all transactions. Everything is fair here. Considering that most banks introduce a rather huge list of exclusion categories, Rife looks white and fluffy against this background.

Of course, there are some exceptions. But for an ordinary average user, it is practically invisible.

Major MCC Code Exceptions: cash withdrawals, loan repayments, Money transfers, operations related to lotteries, casinos and replenishment of electronic wallets.

For the main, most cost items expenses (food and shopping in supermarkets, utility bills, cellular and the Internet, even tourist vouchers), you can safely get cash back.

The bank constantly conducts various promotions for its and potential clients.

From recent suggestions:

• One year of free card service.
• 10% cashback for all purchases with a credit card (reward up to 1000 rubles for each month).
• Order a credit card and get a second one with free service For ever.
• New customers were given 300 points for their first purchases with the card.

And a lot of other things, cinema tickets, theater, certificates. Moreover, the fulfillment conditions are always quite loyal.

In this regard, there were no complaints from the existing clients of the bank.

Disadvantages and hidden conditions

Interesting information can be found in the tariffs.

The bank may block the card or already accrued points in the following cases:

1. The client has not used the card for more than a year (meaning cashless payment goods and services). That is, storage, withdrawal and transfers of funds are not included in this category.
2. In the event of a delay in the Bank's loan. The size itself is not indicated anywhere. It turns out that even with an unpaid debt of only 1 ruble, you can get a ban from the bank.
3. Use of the card for business purposes. Again, there is no specifics anywhere. What does Rife mean by this concept? If you pay by card for a bag or five of flour (sugar, pasta) or buy a large box of stewed meat (condensed milk, canned food) - this can easily be tied to a small wholesale and, accordingly, to pay for business operations)))
4. The client abuses the rights to receive cashback for purchases. As always, there is no border. All customer actions are taken at the discretion of the bank. In theory, any “All at once” cardholder who spends a lot of money can be accused of abuse of use for profit.
5. Providing false information about yourself. There is a risk of blocking in connection with the change of this data (changed passport, moved to another address, changed jobs) and did not inform the bank about it in time.

There is an opinion that Raiffeisen specifically reserves the opportunity to turn off the loyalty program and cancel points from anyone (points 3-5). Of course, you can fantasize about the reasons and possibilities of blocking. But I would like specifics from the bank. Immediately "agree on the shore" on the exact conditions and prohibitions for which the punishment is due.

By the way, in the network there are such "lucky ones" who fell into disgrace from the bank. In some cases, the reasons are just trivial. A person paid with a card for many transactions for the purchase of gasoline. Or he constantly bought household appliances for large sums... I decided to build a house and paid for building materials (and the pleasure is not cheap).

The bank did not like this and he “accused” his client of doing business and (or) abuse of the use of plastic in order to obtain additional benefits (cash back 5%).

Of course, these are isolated cases. But there are already precedents.

The client can appeal against the bank's decision. Either through negotiations, or by providing the necessary documents (which are not specified). Interestingly, after a positive decision to unblock, only previously accumulated points are returned. Everything that would be charged for purchases during the blocking period is not rewarded.

The Bank periodically changes the points accrual program. Mostly in the direction of deterioration. This entails great risks and uncertainties for clients.

Well, the biggest disadvantage that scares off potential customers is the delay in receiving cashback rewards.

You will have to accumulate points for several months (or even years). Competitors can get cashback, albeit not so big, every month. And most importantly, with flat rate, regardless of the amount of spending. Even with modest monthly expenses, you can find a card with 1 - 1.5 - 2% for purchases.

There is no interest on the balance on the "All at once" card

Points accrual

Need to know!

Points are awarded only for each full 50 (or 100 rubles, depending on the card) from the purchase. Rounding is always downward.

We get that everything below this amount is not taken into account when calculating the cashback. And with a rate of 1 point for 100 rubles, only 2 points will be “dropped” for the operation of 299.99 rubles.

Therefore, the real accrued amount will always be lower than the one declared by the bank. For example, if in a month the card made purchases worth 50 thousand rubles, then theoretically the bank should award 1,000 points (1 for every 50 rubles). In practice, we get a little less.

Everything here will depend on the nature of the spending and, most importantly, their size. When making many small purchases, the losses will be more noticeable than with large and rare ones for the same amount.

Approximately, on this inconspicuous function, about 5-15% of the accrued remuneration can be lost.

For example, if you spend 990 rubles, ideally 19 points should be awarded (1 point for every full 50 rubles).

If you make 10 purchases for 99 rubles (total 990 rubles), we get 10 points.

5 operations for 198 rubles ( total amount again 990 rubles) will bring the owner 15 points.

2 times for 495 rubles will enrich the owner by 18 points.

All at once credit card

The credit card is allowed to use the bank's money without interest for up to 52 days.

Within 30 (or 31) days, make purchases with the card. Then you are given 21 days to pay off the debt.

If everything is done correctly, no interest is charged on the loan. In case of delays, it takes effect interest rate- from 29% per annum, up to full repayment debt.

Withdraw cash (how to make online transfers) Is an expensive pleasure.

Cash withdrawal and transfers:

• at native ATMs - 3% + 300 rubles.
• at third-party ATMs - 3.9% + 390 rubles.

Naturally, there is no interest-free period for cash withdrawals. The fee starts to drip from the first day.

Take off own funds on the card "free" will not work either. The bank will still take its interest of 3 or 3.9%.

The annual fee for servicing the card is 1490 rubles, it is debited at a time on the next day after the completion of any first operation.

The main difference between a credit card and debit plastic is in the system of rewards for purchases. The credit card gives a permanent 1 point for every 50 rubles spent for the entire period.

Considering that on a debit card from the second year the conditions for the accrual of points worsen by 2 times and plastic becomes paid, it makes sense to issue a credit card. And close the debit card itself.

All previously accumulated points on a debit card will also be available on a new credit card.

Otherwise, we have absolutely identical conditions.

Many advanced owners using credit card capabilities can not only easily recoup the cost of annual maintenance, but also earn some money.

Own funds are deposited with the bank at interest. And purchases are made with credit money. By the time it is necessary to repay the debt on a credit card, the money is withdrawn from the deposit and transferred to the Rife card.

As a result, the debt was repaid on time, there is no need to pay interest on it. And from the bank we have a small profit in the form of interest on the deposit.

In the context of online payments, all these operations can be performed without leaving their home. Moreover, the Raiffeisenbank card allows you to draw money from the cards of others for free credit institutions.

In conclusion and conclusions on the map

The most important feature of the All at once card is 5% cashback. But the plastic would most likely fit another name “Not all and not all at once” or “Not all at once”.

By the way, many christened her that way.

What we have?

Fair accrual of remuneration for almost all operations. Free first year of service. Some buns from the bank in the form of distribution of bonuses.

But plastic has much more disadvantages.

This is an almost unreal opportunity for the majority to get the coveted 5%. You need to spend 50 thousand rubles within 20 months. Along the way, starting from the second year, issuing a credit card in order to keep a favorable percentage of remuneration. To keep within 3 years (the life of the points), you will need to spend 28 thousand rubles a month.

From the second year, using a debit card is impractical. And a credit card carries certain risks for the owner. With an illiterate use of the card, you can easily get into the interest on the loan and the plastic will really become "gold" for you.

Also, the bank "sins" by constantly changing conditions. This uncertainty, and what "will happen tomorrow?" scares.

Of course, there is also 2 percent cashback. But to get your hands on "real" money, you need to make transactions for 200 thousand rubles.

You can certainly cheat a little. And to pay with a card not only for their purchases, but also for relatives and friends. Taking cash from them, in exchange for receiving points on the card. Buying expensive household appliances or an ordinary communal apartment. Using this scheme, you can easily recruit the required 50,000 rubles per month.

Alternative offers from other banks

On the market banking services in the field of providing cashback for purchases, 1% has long been the norm. Without any additional conditions. If you look better, you can find a little more profitable offer... With very simple requirements.

- free, cashback to choose from: 1-2% for everything or 4-10% for special categories at your discretion (you can change it yourself) - Auto, restaurants, travel, entertainment. Cash back will be credited to the account next month.

- paid card. It costs 300-500 rubles a year. Cash back 5% for food and shopping in supermarkets. And 1% for everything else. There is a percentage on the balance. Payments next month in real money. In just a month, you can easily "beat off" the cost of the annual service.

- free. Gives an increased 3% "porridge" for your chosen category (your choice, there are more than 10 of them), including food, cars, restaurants, health and others. For other purchases, the standard 1% goes. There is a percentage on the card balance. Moreover, the charge is daily. It does not depend on the amount and there are no restrictions on the deposit-withdrawal of funds. When ordering a card - the bank gives 500 rubles after the first purchase.

Tinkoff black is free. Cashback - 1% for everything. Choice of 3 favorite categories with an increased return of -5% AND up to 30% for bonus special categories set by the bank.

Are you ready to wait 3 years to earn 5% cashback (not all at once)? Or they would be content with a "tit in hand", receiving a small 1-2%, but monthly.

The vast majority of residents use plastic cards Russian Federation regardless of age, social status and income. Financial institutions Trying to attract customers, they constantly announce new favorable conditions, loyalty programs and other privileges for owners of card products.

About the offer

What are bank cards:

• debit (settlement);
• credit.

Some programs allow you to combine both functions, but in most companies, these tools are designed separately.

With the money on the account, a person will be able to pay for goods, services, work. The calculation is carried out as cashless way and in cash. The amount there is exactly the one contributed by the owner or a third party. You can use the product at any time.

Raiffeisenbank's card differs from credit card Everything at once by the origin of funds. In the first case, the money belonging to the FI is meant - it simply lends it. On a debit current account - something that belongs only to the client, but in some cases it is possible to connect an overdraft to it.

Getting plastic

Raiffeisenbank's card All at once will be issued Russian citizen at the age of 14 and older, if he has a passport and a corresponding application. There are also children's cards - additional ones that are tied to the main parent account.

From 14 to 25 years old individual can apply for youth card with cheap annual maintenance. Older citizens receive any type of instrument, except for the two described above.

Re-release occurs by standard scheme- 30 days before the end of the plastic action, a new one is made. It is stored in the department for 30-60 days. The customer is notified that the product is ready via SMS.

Classification

The type of product depends on:

• payment system (Visa, MasterCard, MIR);
• protective characteristics (chip, magnetic tape);
• status (Platinum, Gold, Standart, Classic);
• personalization (nominal, unnamed).

Differences between cards All at once in the conditions also exist: the price of annual service, the presence of commission fees, bonus programs.

What are they used for

Plastic allows you not only to pay for purchases and services. What else can you do with it:

• receive wages, pension, scholarship, social payments;
• cash out cash;
• make transfers between accounts.

Users who do not want to spend a huge amount of time looking for a suitable product make their choice along with the site service. Our site allows you to choose the ideal option in a few minutes, using various useful tools. An additional factor that simplifies the procedure is the availability of reviews and a forum where people discuss the pros and cons of each proposal. As soon as the final choice is made, it remains to press the button "Online application".