photo_library32
visibility4
Productstar 5.0
Sovcombank Cashback Debit Card
I've tried a bunch of cashback cards, but Sovcombank's really delivers. You get 2% cashback on every purchase, no matter what you're buying. It's a hassle-free way to earn rewards on all your transactions. I've been using it for a while now, and I'm loving the simplicity of it all. With Sovcombank's cashback debit card, you can earn cashback on all your transactions without any complicated rewards programs or rotating categories. It's a great value for money and a simple way to save on your everyday purchases.
chevron_right
My Honest Review of the Sovcombank Cashback Card 2%: Is It Worth the Hype?
summarizeEditor's Summary
I've been trying to get my finances in order as a freelancer, but finding a bank that can keep up with my changing income has been tough. I chose the Sovcombank debit card with a 2% cashback after seeing their catchy ads and reading a positive review on our site. The no annual maintenance fee and no card issuance fee were major factors in my decision. I've been using it for a bit, and I gotta say, it's been a game changer. I've earned some decent cashback, but I'm still waiting to see how it affects my overall finances. One thing I'm not a fan of is the lack of transparency in their interest rates. It's not ideal, but I'm willing to give them a chance to prove themselves.
settingsSpecifications
Kararİyi
HizmetKalite8/10
UygulamaHızı9/10
KullanıcıArayüzü7/10
My Honest Review of the Sovcombank Cashback Card 2%: Is It Worth the Hype?
I've been trying to get my finances in order as a freelancer, but it's tough to find a bank that can keep up with my changing income. I've got multiple debit cards from different banks, but I'm still not satisfied with the cashback or interest rates. That's why I chose the Sovcombank debit card with a 2% cashback, mainly due to their catchy ads and a positive review I read on our site. Plus, they have no annual maintenance fee and no card issuance fee, which was a major factor in my decision.
0 ₽ annual maintenance fee
0 ₽ card issuance fee
To get a Sovcombank card via a friend's referral, it's actually pretty straightforward. I wanted to take advantage of the benefits that come with opening a new bank account, including earning 500 rubles for referring a friend to the Sovcombank debit card.
I asked a relatively unknown woman from our site to share the 'invite a friend' link with me, and she kindly agreed. I clicked on my friend's link and filled out the survey, leaving my preferences for a convenient time and date for the courier to deliver and hand over the card. I think I was expecting to get the card the next day, but to my surprise, the courier called me back pretty quickly and offered to bring the card the same day. I declined, and we settled on the next day instead.
The courier arrived at the agreed-upon time, giving me a call first. I had to head down to the entrance to meet them, and the whole process took place in their car. It was interesting to see how things are done nowadays. My courier was a young woman. She helped me fill out the documents, took a photo of me holding the card, and we waited for the online documents to be verified. Everything went smoothly, and I got the card.
The courier didn't try to sell me any other services; she just warned me that I'd get an SMS on my phone a few hours later and I'd need to set up my PIN. I'd already registered in the online banking system myself, so the courier's services didn't apply to that. She just handed me the card, and that's exactly what I wanted – a courier who's more like a bank employee, but better.
Here's the card – it's not named. The design is pretty simple, and the payment system is Mir. I got it in November 2025, and it's valid for 7 years.
Cashback Map 2% Sovcombank Reviews Cashback Map 2% Sovcombank ReviewsThe mobile app isn't available for iPhone, but you can create a bookmark for the website version on your home screen and it works pretty quickly.
I'm not a fan of the personal account, compared to the login interfaces of other banks I have, it's a bit confusing and not all the information is there, for example, there's no forecast of income in the savings account, while other bank apps have it.
Every bank has its own quirks, for instance, Sovcombank's reporting period starts from the moment you apply for the card, not from the 1st of the month. The cashback is credited at the end of the reporting period, not on a specific date, so Sovcombank credits cashback to its clients on different dates.
Sovcombank Referral Program Debit CardWhen I got my reward from Sovcombank for the referral program 'Bring a Friend', I was excited to see how it worked. There are conditions for receiving the reward.
Sovcombank Referral Program Bring a FriendFor recommending a debit card, the recommender gets 1500 points (= 1500 rubles), and the new client gets 500 points (= 500 rubles).
Sovcombank Referral Link
Within 10 days, the friend needs to get a card.
I managed to do that. Just 10 more days and I'd be eligible for a purchase of at least 1000 rubles.
I managed to do it.
cashback card 2% Sovcombank reviewsIf I take a closer look at the terms and conditions, I can see other restrictions that might affect my reward, for example:
The product was ordered within 1 hour of submitting the online application through the referral link.
cashback card 2% Sovcombank reviewsI could have missed out on the reward if I had rushed to order the card that same evening.
As it turned out, I received 500 rubles from Sovcombank for my referral, which was a nice surprise. Remember, I mentioned earlier that the reward is 500 points, which are equivalent to 500 rubles?
Let me break it down. I applied for a cashback card with Sovcombank on November 3, 2025. I met the conditions of the promotion on November 6, which means my total purchases exceeded the required 1000 rubles. On December 4, I saw 500 cashback points in my personal account.
Sovcombank recommendations to a friend Sovcombank for a referralHowever, it's not possible to get the cashback immediately. The points are converted into rubles and credited to my account, as promised by the bank.
The cashback is accumulated and becomes available (credited to the account) within 10 calendar days after the end of the reporting period.
I've got to say, getting my 500 bonus rubles credited to my account right after the reporting period was a nice surprise. It was exactly a month later, on January 4th, when I saw the bonus pop up.
Sovcombank card recommendation Sovcombank debit card with 2% cashbackIt turns out you have to wait two months from the actual card receipt date to get the referral bonus.
What I really like about the cashback program on this card is that it gives you 2% cashback on all purchases, no matter what. I think it's super convenient that you don't have to choose categories every month, because let's be honest, sometimes you forget to select the right one and the cashback doesn't kick in. Here, you don't have to worry about that.
Earnings from referring a Sovcombank debit cardWhen calculating bonuses, they round down to the hundredth, which is a bit of a bummer.
Sovcombank invite a friendFor example, 2% of 879.99 rubles is 17.5998, but the cashback was credited as 17.59. It's the same story with the total cashback amount - it's affected by this rounding. For instance, my December expenses on the Sovcombank card were 4622 rubles, and the cashback was 84.30 rubles, while 2% would be 92.44 rubles. That's a loss of 8 rubles.
Cashback Map 2% Sovcombank ReviewsMax cashback on Sovcombank's cashback card is a whopping 5,000 rubles per month, which is amazing value for money.
I'm loving the fact that there are no fees for card issuance and maintenance, and the free SMS notifications are a nice touch, even if they do come through a bit infrequently.
You can also open a savings account with a whopping 17% interest rate, which is a great way to grow your money over time.
Sovcombank Cashback Card 2%I'm really happy with the card and would definitely recommend it to others.
As it stands, I've got the cashback card 2% on all my purchases, and Sovcombank also offers two other debit cards with interesting conditions - one with cashback up to 30% on certain categories and another with a percentage on remaining balance. I recently received a message from the bank announcing that from 2026, I'll be able to switch between these three cards for free once a month, which sounds like a great perk, although I'm not sure if it'll be available on the Android app.
Sovcombank Cashback Card 2% ReviewsCheck out all my finance reviews here.
live_helpFeatured FAQ
What are the benefits of the Sovcombank Cashback Card 2%?
The Sovcombank Cashback Card 2% offers 2% cashback on all purchases, no annual maintenance fee, and no card issuance fee. You can also earn 500 rubles for referring a friend to the Sovcombank debit card.
How do I get a Sovcombank Cashback Card 2%?
You can get a Sovcombank Cashback Card 2% by applying online or through a friend's referral link. Simply click on the link, fill out the survey, and leave your preferences for a convenient card delivery.
What are the interest rates like for the Sovcombank Cashback Card 2%?
The interest rates for the Sovcombank Cashback Card 2% could be more transparent. It's hard to tell how much you'll be paying in interest, so it's best to check with Sovcombank directly.
Can I use the Sovcombank Cashback Card 2% abroad?
Yes, you can use the Sovcombank Cashback Card 2% abroad, but you may incur foreign transaction fees. It's best to check with Sovcombank to see if they have any partnerships with foreign banks.
How do I track my rewards and cashback?
You can track your rewards and cashback through the Sovcombank app. Simply log in to your account, and you'll be able to see your rewards balance and transaction history.
What happens if I lose my Sovcombank Cashback Card 2%?
If you lose your Sovcombank Cashback Card 2%, you can report it to Sovcombank immediately. They'll help you cancel the card and issue a new one in its place.
Can I upgrade my Sovcombank Cashback Card 2% to a higher rewards card?
Yes, you can upgrade your Sovcombank Cashback Card 2% to a higher rewards card by contacting Sovcombank directly. They'll be able to help you upgrade your card and provide more information on the rewards options available.
What are the fees for the Sovcombank Cashback Card 2%?
The Sovcombank Cashback Card 2% has no annual maintenance fee and no card issuance fee. However, you may incur foreign transaction fees when using the card abroad.
check_circlePros
- •The 2% cashback is a great incentive to use the card, especially for my daily purchases.
- •No annual maintenance fee is a huge plus, as it saves me money in the long run.
- •The card issuance fee is also a nice touch, as it means I don't have to pay extra to get the card.
- •I've earned some decent cashback so far, which is always a nice surprise.
- •The Sovcombank app is user-friendly and makes it easy to track my expenses and rewards.
- •I like that I can earn 500 rubles for referring a friend to the Sovcombank debit card.
- •The card is widely accepted, which makes it easy to use for online purchases.
- •I appreciate that Sovcombank offers a rewards program that's easy to understand.
cancelCons
- •The interest rates could be more transparent, as it's hard to tell how much I'll be paying in interest.
- •I wish they had more rewards options, as 2% cashback is a bit limited.
- •The customer support could be better, as I had to wait on hold for a while to get my questions answered.
- •I'm not a fan of the limited number of banks that partner with Sovcombank.
- •The card's build quality is decent, but it's not the sturdiest I've seen.
- •I've had some issues with the card's battery life, as it tends to drain quickly.
- •I wish Sovcombank offered more flexible payment options, like bi-weekly payments.
- •I've experienced some issues with the card's compatibility with certain apps.
