Ikhadi Bank kunye cashback kunye nenzala eseleyo: ukujongisiswa kwakhona amaxabiso

E langoku imini zebhanki amakhadi athandwa kakhulu. Ukuze babe namakhadi emali. Ngamnye kubo banikela izakhono zabo. Bank Ikhadi ne Cash Umva zinezibonelelo yayo. Zinikele ukuba akhuphe ibhanki ezahlukeneyo.

Yintoni na?

Banks kukhuphiswano enkulu zinika abathengi le yenzuzo. Ukuze ukutsala ubuso amatsha amaziko zemali zinika inkonzo cashback. Oku kubandakanya ayibuyise ukuthenga. Kodwa kwenzeka njani oku? Kuba ikhadi ngalinye entlanganweni ukucwangcisa izinga senzuzo kwintengiselwano non-cash.

Emva kokuba intlawulo iimpahla okanye iinkonzo umxhasi ufumana inzala kwi-akhawunti yakho. Ezinye iibhanki adluliselwe imali ngoko nangoko, ngoxa abanye ukuguqulela kubo ngomhla wokunikwa kwengxelo. Kubonakala ukuba umthengi uthenga impahla isaphulelo. ERashiya, nayiphi na ikhadi ibhanki kunye cashback isebenza ngendlela efanayo kwamanye amazwe.

iimpawu

Emazithengwe ngu-credit card kunye cashback kotaka xa ukwenza rhoqo. Kwanele ukuba esweni ukuqhutywa sezabelo. Komthengi phinda imali ekuthengeni:

• iindawo zentengiso;
• igcina intanethi;
• ofisi intanethi.

Iibhanki anika cashback ngohlobo:

• iibhonasi, uvumela ukuba ahlawule amaqabane;
• engange idluliselwe kwi-akhawunti;
• Miles ukuhlawulela moya okanye uloliwe amatikiti.

Bank Ikhadi ne Cash Umva ayahlukanga ukusuka debit eqhelekileyo. Oku kusetyenziswa ngokulula kakhulu. Umthengi Okudingayo landela kuphela Izabelo mbutho. Ngokuqhelekileyo, amaziko zemali basebenzisane kunye namaziko oshishino kunye nokubonelela ngezaphulelo iimveliso. Abathengi angahlola accrual iibhonasi. Isishwankathelo amakhadi ebhanki kwemali Buyela ikuvumela ukuba ukhethe ukhetho kakhulu efanelekileyo.

"Tinkoff Bank"

Le yenye yeebhanki ezinkulu. Eyona ezizodwa kukunika iimveliso zebhanki makude iinkonzo. Le nkampani iye akukho ofisi, kwaye zonke ii-odolo zilungiswa kwi-Internet. Ikhadi zinoku-odolwa okwemizuzu embalwa, ukufumana ngekhuriya yakhe.

"Tinkoff Bank" inikeza amakhadi debit 12 cashback. Kuba ngamnye kubo iibhonasi yayo. ngaphezulu ukusuka ikhadi Tinkoff Black. On kulo 3 iintlobo zonyuselo:

• 5% - ukuthenga kwiivenkile intanethi;
• 1% - ukuthenga yesiqhelo;
• 3-30% - isaphulelo ngokuthenga intanethi.

ulondolozo yonyaka ixabisa 99 engange. Ukuba isixa idiphozithi ngaphantsi kwama-30 amawaka. Engange, le nkonzo ifumaneka simahla. Akukho iimali ze-SMS-isaziso. Inzala kwintsalela: 7% (akhawunti Ruble) kunye 0.5% (imali). Eli khadi yebhanki cashback elungileyo. Thina nje kufuneka esweni rhoqo ukufumaneka sokunyuswa nokunikelwa.

"Alfa-Bank"

Lo mbutho yeyona ibhanki jikelele umnikelo uluhlu lweenkonzo. IZenzo amakhadi debit 43. Le yantlukwano ivumela kumntu ngamnye ukuba akhethe into efanelekileyo. A isicelo kusasazwa ngemiboko website. Ngokuba onke amakhadi bonus esebenzayo kwintengiselwano non-cash.

ingqalelo ekhethekileyo kufuneka ihlawulwe imveliso kwemali Bach. umsebenzisi kunye naye;

• 10% - on uthenge zokutha ipetroli;
• 5% - intlawulo kwi cafe;
• 15% - isaphulelo kwi kwizabelo.

Inqanaba ubuncinane lokubuya ngenyanga nganye ayidluli 5000 engange. ulondolozo yonyaka ixabisa 1200 engange. SMS-saziso simahla. Kwi-akhawunti ityala 7%. Amalungu bayafikelela amakhadi, "Alpha-nqakraza" ngalo kunokwenzeka ukuhlawulela iinkonzo, lokuvula akhawunti ezongezelelweyo kunye nokudluliselwa kwemali. Funda iimpendulo zemibuzo banokuba kwimithetho yoncedo lwabathengi. It ikhadi bank inzuzo kunye cashback kunye nenzala eseleyo.

"RoketBank"

Lo mbutho yenye ibhanki yokuqala virtual, nto leyo esele yenzelwe ngokuba sisibonelelo lula mobile, nto leyo evumela ukusetyenziswa iimveliso zemali. Bank "Ukuvulwa" yathengwa ngo 2016 "RoketBank".

Kucetywa iimveliso zebhanki ezininzi kakhulu. Kodwa kukho ikhadi debit "Roquette Ukuvula", nto leyo sele uthandwa phakathi kwabantu ngenxa zalo eziluncedo. Ngasinye ukuthenga umva ukuya kwi-10% kwi-akhawunti, akukho nto apho evenkileni ayithenge. Hlawula yesondlo yonyaka ayikho kuyimfuneko, kwaye SMS-saziso ibiza engange-50 ngenyanga. Kuhlawuliswa kwintsalela-8%. Fumana ikhadi angase kodwa bonke abantu, kuba kuphela kwezinye kwizixeko ezikhulu.

yebhanki yokonga

Savings Bank yenye yezona zinkulu. Yena uthathwa njengenkokeli kwicandelo logcino. Le nkampani iye amasebe amaninzi kwilizwe liphela, kukho inani elikhulu kubathengi, inkonzo lula kunye inkonzo ekumgangatho ophezulu. Ifumaneka kubathengi iintlobo zemveliso zebhanki kunye neemeko enomtsalane.

ikhadi lebhanki ngalinye cashback evela Sberbank ezahlukeneyo iwonga kunye nemiqathango. Xa iyonke kukho neziphakamiso-10. Platinum Visa Ikhadi ivumela abathengi ukuba ukunandipha umkhosi benefits. Ibhonasi anikezwa ngohlobo "enkosi":

• 10% - kuyihlawula kwimpompo;
• 10% - iinkonzo "Yandeks.Taksi";
• 5% - cafes kunye zokutyela;
• 1.5% - ezinkulu;
• 0.5% - nezinye uthenge.

iindleko Ukugcinwa kunyaka ka 4990 engange. Kuba SMS-saziso akuyomfuneko ukuba ahlawule. ngokuba inzala intsalela kweenkonzo apho. Ibhonasi uluhlu lokuthenga nganye. iibhonasi kwimivuzo kuba ngamaqabane. Ngesivumelwano 1 bonus 1 miri.

"Ukuvulwa"

I-Bank iye esebenza ukususela 1995. abathengi 2016 kuphela ithuba lokusebenzisa amakhadi cashback. Banking imveliso ligama i "iKhadi Smart". Nabani lungayilwa kude. Ibonelela iingenelo zilandelayo:

• 10% - zonyuselo impahla kudidi;
• 1.5% - ukwenzela ukuba kuthengwe 30 lamawaka engange.
• 1% - ukwenzela ukuthenga ukuya ku-30 amawaka engange ..

Ukuba ikhadi lebhanki kunye cashback esetyenziswa ngokubonakalayo okanye uchithe ngaphezu kwama-30 amawaka. Per nyanga, akuyomfuneko ukuba ahlawule yesondlo yonyaka. Kungenjalo, intlawulo yenkonzo yi 299 engange ngenyanga. SMS-saziso ibiza 59 engange ngenyanga, ibalwe ngemali eseleyo ka-7.5%. Le imveliso logcino ilungele labo benza eninzi yokuthenga. notsalo kwemali kuba ngaphezu kwamawaka 150. Per ngenyanga.

"Bin"

Lo mbutho sele sele zisebenza kangangeminyaka engama-23. Abaxhasi bangasebenzisa inkqubo ukunyaniseka "Binbonus". iibhanki zorhwebo zinika ikhadi yibhanki cashback ukuthenga. Qinisa kube lula ukufikelela kwi-Internet. Buyisela kulingana-5% of iimpahla kunye neenkonzo yodidi oluthile 1% yezinye uthenge.

ulondolozo yonyaka ibiza 450 engange ngenyanga, kodwa ukuba uhlawula nje unyaka, ngoko 4500 engange. Akukho mfuneko yokuba uhlawule imali eseleyo yonke imihla 100 lamawaka. Engange. Iintlawuliso kuba ISMC-isaziso no. . Xa intsalela ekhoyo ukususela 750 lamawaka, ngoko wamwisela-2% kwaye xa iyonke ephantsi - 6%.

"Promsvyazbank"

It is a ibhanki enkulu uthungelwano isebe kuphuhliswa. ishishini inkonzo iimfesi ithabathe yenziwe ukususela ngo-2005. Abaxhasi thembisa All iKhadi eBandakanya wonke uMfundi. Oku kubalwa ngokuthi:

• 5% - kuba kukudla kwi kwimpompo;
• 5% - besinxibo nezihlangu;
• 5% - amatikiti;
• 5% - iimveliso zasekhaya;
• 3% - iimpahla ezinkulu.

Iphezulu ngenyanga nganye ukuze abuyele 1 ths. Engange. ulondolozo yonyaka ibiza 1 engange 500 ngonyaka ngamnye. Ikamva aliyi kuzihlawulela ukuba angenelele ixesha intsalela $ 50 amawaka. Engange. Kuba SMS-isaziso imali ngenyanga nganye ilingana no-29 engange. Inzala intsalela ayibalwanga.

"Zombona"

Ikhadi debit sikhutshiwe "NSCA" LLC, kwaye ngomzi "Euroset". Le plastiki ekhoyo 2 ilogo, "Golden Crown" kunye Master Card. Imephu likuvumela ukuba wenze intlawulo ezahlukeneyo, wenze transfers, kuthenga lwemali.

Xa kuhlawulwa iimpahla kunye neenkonzo umthengi ebizwayo 0.5-3% yexabiso lentengo. amanqaku Ibhonasi ukuba ezingasetyenziswanga, kwaye ngoko ke banako inkcitho yokuthenga 'Euroset ", kwakunye koomahlulelane. inkonzo yonyaka kunye SMS-besaziso mahala. Kuyenzeka ukufumana intsalela ekhulwini - 10% (intsalela mkhulu kuno-30 amawaka.) Yaye-7% (ngaphantsi kwama-30 amawaka.).

"I Messenger"

Le nkampani inika abathengi ikhadi jikelele inkonzo cashback. Kuba zonke ukuthenga ukwamkela amanqaku. Emva ngokubeka ikhadi isipho banikwa ibhonasi 200. Ukuze ukuthenga kuthetha ukuba amanqaku-20.

ulondolozo yoNyaka iindleko ikhadi standard 600 engange - ezizezi, omnye engange-300. Kuba SMS-isaziso kwi imali ngenyanga 1 apho uze - 50 engange. Kwi ikhadi ebizwayo-10% ngonyaka, ukuba intsalela njalo hayi ngaphantsi kwe-10 amawaka. Engange. iingongoma Pay kungaba amahlakani, ekukhoyo kuzo kwiivenkile ezininzi ezahlukeneyo.

"Raiffeisen Bank"

Ikhadi debit sisixhobo yentlawulo elula evumela ukuba uhola izaphulelo. Ngalo ungafumana cashback kwaye inxaxheba promotions. U nga tshinela imephu "VSESRAZU", ukusetyenziswa apho kuya kuba lula kakhulu.

Kuba ukuthenga bangafumana amanqaku: bonus 1 50 okanye 100 engange. Ngomhla wokuzalwa kufika enye 500 amanqaku. Umda ngonyaka ngu amawaka 40. Ibhonasi. ulondolozo yonyaka kubiza engange 1490, kunye SMS-isaziso - 60 engange ngenyanga yesithathu. Inzala kwityala kweenkonzo apho.

"MegaFon"

Banking "megaphone" ikhadi cashback, nangona kwakungekho elide kangaka elidlulileyo, kodwa sele zithandwa. eziluncedo ezininzi zinikwa nayo. Ibhili yefoni - oku kuyafana intsalela ikhadi. Imali uyakwazi okuhlawulela iimpahla neenkonzo. Kuhlawuliswa kwintsalela-8%. Ukuze ifumane ingeniso, kufuneka wenze intengiselwano ubuncinane enye ngenyanga nganye.

Cashback ukusuka 'megaphone "amaqabane ukuya kwi-50%. Eli khadi iyafumaneka kule mini. Kuyimfuneko kuphela ukuba uqhagamshelane Salon. Ubhaliso kuthatha imizuzu eli-10-15. amakhadi amaninzi nga udityaniswe akhawunti eyodwa.

Ngaphambi kokuba ubeke ikhadi lakho, kufuneka ukhethe imveliso ekunene. Kubalulekile ukuba anikele ingqalelo imali. Iibhanki ukuguqulela ngokubanzi kulo ifomu iibhonasi, neekhilomitha, amanqaku. Ngoko ke, simele sazi ukuba yintoni kanye iya kuhlawuliswa kuqala kwaye iya kusetyenziswa ngayo.

Cashback ifumaneka hayi zonke izinto ezithengiweyo, kunye nokufunyanwa yeevenkile iqabane. uluhlu lwabo ifumaneka kwiwebhusayithi ye-Bank. Nguwe kuphela ukwenza inzuzo ngale yokuphatha. ibhanki nganye unikeza amanqaku exchange into ethile, ezifana isaphulelo iinkonzo engange ngokwenene. arhente abaninzi ukuhlawulisa imali yenkonzo. Ukuba ikhadi isetyenziswa kunqabile, kuyimfuneko ukuba ukukhetha ityala ubuncinane.

Rating amakhadi ebhanki kunye cashback kuzakuvumela ukhethe ukhetho kakhulu eyamkelekileyo. Intsebenziswano elolu kuyingenelo kubo bonke: umsebenzisi lifumana ibhonasi, ibhanki - ukuze uhlawulele ukusetyenziswa kweenkonzo, kunye namaqabane - abathengi ezintsha. Ngoko ke, ukuba iimeko zivuma, kuyenzeka ukuba wenze ngaphandle ikhadi lebhanki.