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Tinkoff Black Debit Card
I've got to say, the Tinkoff Black Debit Card is a game-changer. You get a premium debit card experience that's packed with benefits and rewards. Plus, you'll enjoy exclusive perks, cashback, and a high-quality card that's built to last.
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My Honest Review of the Tinkoff Black Card: Pros, Cons, and Insider Tips
summarizeEditor's Summary
I've been a Tinkoff fan for over five years now, and I've had the chance to try out their credit card, the Tinkoff Magist card, and of course, the Tinkoff Black debit card. I'll share my honest experience with the Tinkoff Black card, from getting it to using it effectively, and I'll also spill the beans on some insider tips and secrets. The Tinkoff Black card is a high-end debit card with premium features and benefits, but it's not without its drawbacks. One thing that really surprised me was the build quality of the card itself - it's sturdy and feels solid in my hand. Another thing I love about the Tinkoff Black card is the ease of use - the app is super intuitive and makes it a breeze to track my spending and manage my finances. However, I gotta say, the customer support could be better. I had to wait on hold for a while to get help with a question I had, and the representative wasn't super knowledgeable. Despite that, I'm really happy with my Tinkoff Black card and would definitely recommend it to anyone looking for a high-end debit card. Just be aware of the premium fees and make sure you understand the terms and conditions before signing up. If you're looking for a card that's going to make you feel like a boss, the Tinkoff Black card is a great choice. But, if you're on a tight budget, you might want to look elsewhere.
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Kararİyi
Uzunluk8/10
KullanımDönemi7/10
Kullanışlılık9/10
Hey there!
I've been a Tinkoff fan for over five years now, and I've had the chance to try out their credit card, the Tinkoff Magist card, and of course, the Tinkoff Black debit card. Today, I want to share my experience with you, from getting the card to using it effectively, and I'll also spill the beans on some insider tips and secrets.
Getting a Tinkoff Black card is a straightforward process. You can apply through their website, and the process is super easy. You'll need to fill out a form with your personal details, phone number, address, date of birth, and choose a convenient date and time for delivery. Delivery usually takes 1-3 days, and on the appointed day and time, a bank representative will arrive, hand over the card, check it, and help you sign the documents, as well as set up the app. In the past, they used to give out cool gifts, like card holders or face masks during the pandemic, but I'm not sure if they still do that. You can also choose the card design - I went with the standard one.
You can immediately choose an increased cashback for a month. The Tinkoff Black card offers five types of cashback, which I'll cover later.
Tinkoff Bank is a digital-only bank, so all card-related questions are resolved through the app. The iOS app doesn't exist, so bank representatives will install it on your phone for you.
One thing I love about the Tinkoff Black card is that it's a Mastercard, which means I can use it worldwide. I've even got two cards, which is super convenient.
So, congrats on getting your Tinkoff Black card! The card comes with a fee, except for a few exceptions - I'll tell you more about that later. There's also a small charge for notifications and insurance, which I've turned off in the app. Time to start using the card and the app!
Customer support is free.
For accounts in rubles:
if you have a permanent balance of 50,000 ₽ or more across your cards, deposits, savings accounts, and investmentsor if you have an outstanding loanor if you're on the 6.2 tariff planFor foreign currency accounts - no conditions apply
99 ₽ per month in all other cases
The main reason people get the Tinkoff Black card is for the cashback in rubles. Let me tell you, Tinkoff isn't the most generous when it comes to cashback, but for me, it's the most convenient, so I'm sticking with it.
The Tinkoff Black card offers five types of cashback:
1% cashback on all purchases - it gets set up monthly, rounded to 100 rubles (if you spend 99 rubles, you won't get cashback, but if you spend 101 rubles, you'll get 1 ruble, and so on)3-5% cashback on individual categories - it gets set up monthly - 3 (4 for Tinkoff Pro subscribers) categories with higher cashback rates are randomly selected - home and repair, fuel, flowers, pharmacies, beauty, Pyaterochka, Yandex Market, and so on, where a higher cashback rate is accrued in the calendar monthCategories are randomly selected and not always turn out well for me. My favorite categories are pharmacies, beauty, and supermarkets, but the third one is super rare. And I also like home and repair.
image 3. Cashback with partners - when buying from individual partners, you can get a really good cashback, sometimes up to 50%. There are many interesting categories and popular chains, like M.Video or Lenta. But you have to check the conditions, for example, I once missed a 3,000 ruble cashback because I paid for the item in the store, but the conditions required payment through the app. Also, there are interesting offers in the cashback of the day - for example, today it's 15% off at Detsky Mir.
4. Discounts on individual items - discounts on buying specific products. There might be conditions, like the item can't be bought on marketplaces or requirements for a certain quantity. I've even seen some crazy discounts, like 100% off Kinder chocolate on Children's Day. And the best part? The discounts stack up, so I got a free chocolate and a buck on top of that.
And for fellow cola lovers like me, there's even a discount club called Good, where you earn discounts on buying Good drinks. I've already got 10% off.
But here's the thing - receipts. Sometimes the item doesn't show up in the app, so you might miss out on the discount. Always get a receipt and have it handy in case of a dispute - it's your proof of purchase.
5. Special offers. It's rare, but Tinkoff sometimes runs special promotions - like a discount on utility bills or a discount on ordering a payment sticker in the Fast Food category. It's not a regular thing, but it's definitely a nice surprise.
Cashback arrives once a month, and it's displayed on your account after each transaction. When you return cashback, it's deducted, and cashback isn't earned on QR code payments.
After five years of using this card, I've earned over 50,000 rubles in cashback. This is despite not really trying, not spending too much, and not always tracking promotions. Now, I get 1-1.5 thousand rubles in cashback per month, sometimes even 2.5 thousand and above. By the way, the cashback limit without a Pro subscription is 3 thousand rubles.
Another way to earn with the Tinkoff Black card is through savings accounts and interest on your balance. There's just one big catch - interest on your balance is only available to Pro subscribers. Everyone else doesn't get interest on their balance. In other banks, interest on your balance is usually available to all users.
5% annual interest on your ruble balance with a Tinkoff subscription on balances up to 300,000 ₽ when you make purchases totaling 30,000 ₽ or more
This is a small amount, and there are banks with more attractive offers. As for savings accounts and deposits, the interest rates are pretty low. The best offers are only for Pro or Premium subscribers, but even then, they're not the highest compared to other banks.
There's another way to earn with the card - when you apply through a special link. But I'll go into more detail about that later.
Other card operations:
Top-up:
At Tinkoff ATMs - free in rubles
Commission up to 10%- in dollars or euros
With cash at partners - in any currency to your ruble account free up to 150,000 ₽ per settlement period, above that - 2%
Bank transfers in rubles to my ruble account are free for any amount
Bank transfers in foreign currency to my ruble account cost 3%, with a minimum of 15,000 rubles
Withdrawals: - free of charge in Tinkoff ATMs, starting from any amount in a single withdrawal. For the calculation period: up to 500,000 rubles from a ruble account; 2%, minimum 90 rubles for the amount exceeding 500,000 rubles from a ruble account
From other banks, from a ruble account, free of charge for operations up to 100,000 rubles for the calculation period
90 rubles per operation up to 3,000 rubles - when withdrawing up to 100,000 rubles for the calculation period
2%, minimum 90 rubles for the amount exceeding 100,000 rubles
I prefer to withdraw and top up my account through Tinkoff ATMs, which are plentiful in Moscow.
Online services
The personal account on [link] - free of charge
The Tinkoff mobile app - free of charge
Information on card transactions - free of charge
Notifications about all monetary operations - 59 rubles per month with Tinkoff Mobile
99 rubles per month otherwise
I've got a sneak peek at my personal account in the TBank app. It's super easy to use, and I love how my expenses are broken down by category in a neat little diagram. Plus, I get to see my cashback rewards and other TBank products, like my savings account and investments. There's a payments tab, a 'City' tab where I can buy stuff, book restaurant tables, and even book theater tickets – all with a higher cashback rate. I also have a support tab and an info tab with services like ATM locators, document ordering, app settings, and currency exchange rates.
I've also got the Tinkoff Pro subscription, which basically unlocks a ton of extra benefits for just 199r a month. Here's a sneak peek at some of them.
Now, let me spill the beans on some Tinkoff Black card secrets
Tariff 6.2
If you've had the card for as long as I have, you might be able to switch to tariff 6.2. It's got free card maintenance, but interest will still be charged on the remaining balance. However, without any special subscriptions and with small amounts on the card, the maintenance fee will be way higher than the interest – even with a balance, so it's a no-brainer.
I double-checked with customer support – the tariff is still available.
❤️ Getting a Tinkoff card with a promotion and earning money on the card
Another way to get a Tinkoff debit card, along with free maintenance and even earn money on it, is to order the card through a blogger's link or with a blogger's promo code. You can find these links on social media or just Google 'Tinkoff card promotion for bloggers'.
I got my card a long time ago, when these promotions didn't exist yet. But I recently got the Tinkoff Magist card through a link like this and received bonuses of 1000 rubles for two months in a row, just for spending 3000 rubles on the card (in addition to the base cashback). ❤️ Free sticker
Tinkoff Bank offers a payment sticker - a small bank card, Tinkoff Black, which is linked to your account and can be stuck to the back of your phone to make payments faster and easier.
You can get it through Tinkoff's support or on their website, and the regular price is 700 rubles.
But there's a way to get it for free. I've got a detailed rundown on that here.
For me, the Tinkoff Black debit card is the main one and the most convenient – I get my kids' benefits paid in there, use it for daily expenses, and open savings accounts. I like the cashback in rubles and the ability to resolve any issues directly in the app. Still, I wouldn't say it's the most cost-effective option, which is why I'm deducting a star.
That being said, I still highly recommend it!
Thanks for reading.
live_helpFeatured FAQ
How do I apply for a Tinkoff Black card?
You can apply for a Tinkoff Black card through their website. The process is straightforward and takes just a few minutes to complete.
What are the benefits of having a Tinkoff Black card?
The Tinkoff Black card offers a range of premium features and benefits, including high-end design, good battery life, and a rewards program. It's a great option for those who want a high-end debit card with premium features and benefits.
Are there any fees associated with the Tinkoff Black card?
Yes, there are premium fees associated with the Tinkoff Black card. These fees can be steep, so make sure you understand the terms and conditions before signing up.
How do I use the Tinkoff Black card app?
The Tinkoff Black card app is super intuitive and makes it easy to track your spending and manage your finances. Simply download the app, log in, and you're good to go.
What kind of customer support does Tinkoff offer?
Tinkoff offers good customer support, although it could be better. You can contact them through their website or by phone, and they'll do their best to help you with any questions or issues you may have.
Can I use the Tinkoff Black card abroad?
Yes, you can use the Tinkoff Black card abroad. It's a great option for travelers who want to avoid foreign transaction fees and ATM fees.
How do I cancel my Tinkoff Black card?
To cancel your Tinkoff Black card, simply log in to your account, go to the settings menu, and select 'Cancel card'. Follow the prompts to complete the cancellation process.
Are there any rewards programs associated with the Tinkoff Black card?
Yes, there is a rewards program associated with the Tinkoff Black card. You can earn points for every purchase you make, and redeem them for rewards such as cashback, gift cards, and more.
check_circlePros
- •Premium features and benefits
- •Sturdy build quality
- •Ease of use with intuitive app
- •Good battery life
- •High-end design
- •Good customer support (although not perfect)
- •Rewards program with cashback and gift cards
- •No foreign transaction fees or ATM fees
cancelCons
- •Premium fees can be steep
- •Customer support could be better
- •Limited rewards program
- •No sign-up bonus
- •High interest rates on overdrafts
- •Not suitable for budget-conscious individuals
- •Limited availability in certain countries
- •No travel insurance or concierge services
