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What is cashback in Tinkoff and how to make money on it #1

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What is cashback in Tinkoff and how to make money on it

Tinkoff is willing to pay you to carry a bunch of cash less often and pay more by credit card. We charge cashback for all purchases with the card – this is a reward for the fact that you use our card. And this reward is not points or bonuses, but real rubles.

Where does cashback come from

Cashback is a gratitude from the bank that you actively use its card. The simplified system works like this: you pay for purchases in any store with a Tinkoff card → the seller pays the bank a commission → the bank shares a part of this commission with you.

For example, you spent $ 1,000 on groceries in a supermarket at home. They paid with a Tinkoff card. 1000 R will be debited from your account, but only 970 rubles will be credited to the store’s account: 30 rubles is the commission the seller will pay for the bank’s service. 

At the end of the month, the bank will share part of the withheld commission with you and charge you 10 ₽ – this is 1%, a standard cashback for any purchases using the Tinkoff card.

If you spend 30,000 ₽ on a card every month, 300 ₽ will be returned monthly – for a year you can earn 3,600 ₽ on a regular cashback only.

You can get more cashback

How to make money. Standard cashback on a Tinkoff Black card – 1% from each purchase. It doesn’t matter in which store and for what you pay. But if you buy goods of certain categories or in certain stores, you can get even more.

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Up to 15% – for purchases in the categories of increased cashback on our Tinkoff Black debit card. Each month, customers choose in which three categories or specific brands they will receive increased cashback. 

Here are examples of categories: “Supermarkets”, “Clothes”, “Fast Food”, “Cafes and Restaurants”, “Sports Goods”, “Transport”, “Home and Repair”. There are more than 20 such categories.

Up to 33% – if you plan your leisure time in the Tinkoff app. Through the application, you can buy tickets to the cinema, theater or a concert of your favorite artist, book a table in a restaurant. For the purchase of tickets – 15% cashback, for the reservation of tables in the restaurant – up to 33%.

Up to 30% – on special offers from Tinkoff partners. These are supermarket chains, cafes and restaurants, cosmetics and electronics stores, taxi and car sharing services, medical centers and educational courses. For example, you can get an additional 20% discount when buying cosmetics or 4% when buying a tour. The main thing is to buy from partners of the bank.

Tinkoff is willing to pay you to carry a bunch of cash less often and pay more by credit card. We charge cashback for all purchases with the card – this is a reward for the fact that you use our card. And this reward is not points or bonuses, but real rubles.

Where does cashback come from

Cashback is a gratitude from the bank that you actively use its card. The simplified system works like this: you pay for purchases in any store with a Tinkoff card → the seller pays the bank a commission → the bank shares a part of this commission with you.How to make money.

For example, you spent $ 1,000 on groceries in a supermarket at home. They paid with a Tinkoff card. 1000 R will be debited from your account, but only 970 rubles will be credited to the store’s account: 30 rubles is the commission the seller will pay for the bank’s service.

 At the end of the month, the bank will share part of the withheld commission with you and charge you 10 ₽ – this is 1%, a standard cashback for any purchases using the Tinkoff card.

If you spend 30,000 ₽ on a card every month, 300 ₽ will be returned monthly – for a year you can earn 3,600 ₽ on a regular cashback only.How to make money.

You can get more cashback

Standard cashback on a Tinkoff Black card – 1% from each purchase. It doesn’t matter in which store and for what you pay. But if you buy goods of certain categories or in certain stores, you can get even more.How to make money.

Up to 15% – for purchases in the categories of increased cashback on our Tinkoff Black debit card. Each month, customers choose in which three categories or specific brands they will receive increased cashback. 

Here are examples of categories: “Supermarkets”, “Clothes”, “Fast Food”, “Cafes and Restaurants”, “Sports Goods”, “Transport”, “Home and Repair”. There are more than 20 such categories.

Up to 33% – if you plan your leisure time in the Tinkoff app. Through the application, you can buy tickets to the cinema, theater or a concert of your favorite artist, book a table in a restaurant. For the purchase of tickets – 15% cashback, for the reservation of tables in the restaurant – up to 33%.How to make money.

Up to 30% – on special offers from Tinkoff partners. These are supermarket chains, cafes and restaurants, cosmetics and electronics stores, taxi and car sharing services, medical centers and educational courses. 

For example, you can get an additional 20% discount when buying cosmetics or 4% when buying a tour. The main thing is to buy from partners of the bank.How to make money.

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