We evaluate the real benefit
Posted: Wed Feb 19, 2025 5:45 am
Fixed cashback is common, for example, when you get 1% of all purchases. In other programs, the percentage depends on the expense item. For example,Unified social card "Mir"Bank Sinara cashback is calculated according to the following scheme:
3% for purchases in pharmacies,
7% for household goods,
5% for children's products,
up to 7% from partners of the Mir system.
And byUniversal cardthe client himself specifies his favorite categories, for which an increased cashback of up to 7% applies. This scheme is more flexible, as it allows you to receive bonuses for those purchases that you make most often. As favorite categories, you can choose supermarkets, fast food, gas stations, goods for children, clothing, shoes and much more.
Interest on balance
This is a monthly reward that is paid to your card account. The amount of payments depends on the amount in the account and is calculated in accordance with the terms of the banking program. In some cases, interest is calculated from the minimum balance, in others - from the average value during the month. As a rule, to receive a reward, you need to meet a number of conditions: for example, spend no less than the limit and keep a certain amount in the account.
So, on the "Same card" that we talked about above, you can iceland mobile database receive income of up to 4% on the balance. To do this, you need to maintain the account balance within 30,000 - 300,000 ₽ and spend from 15,000 ₽ per month.
For clients of the salary project, the conditions are slightly different: to receive up to 4%, you need to keep at least 30,000 ₽ in the account and spend from 10,000 ₽ per month.
When used correctly, debit cards with cashback and interest on the balance allow you to receive passive income and save on purchases. But you can only understand how profitable a specific program is for you by making calculations.
The high percentage on the balance and the large cashback indicated in the program description do not mean that this is how much you will receive. In practice, the accruals may be much less. For example, this is possible if you do not make purchases in categories with increased cashback or do not keep the balance on the account within the limit.
The second important point is that the benefit from cashback and interest payments should cover your costs associated with maintaining the account.
3% for purchases in pharmacies,
7% for household goods,
5% for children's products,
up to 7% from partners of the Mir system.
And byUniversal cardthe client himself specifies his favorite categories, for which an increased cashback of up to 7% applies. This scheme is more flexible, as it allows you to receive bonuses for those purchases that you make most often. As favorite categories, you can choose supermarkets, fast food, gas stations, goods for children, clothing, shoes and much more.
Interest on balance
This is a monthly reward that is paid to your card account. The amount of payments depends on the amount in the account and is calculated in accordance with the terms of the banking program. In some cases, interest is calculated from the minimum balance, in others - from the average value during the month. As a rule, to receive a reward, you need to meet a number of conditions: for example, spend no less than the limit and keep a certain amount in the account.
So, on the "Same card" that we talked about above, you can iceland mobile database receive income of up to 4% on the balance. To do this, you need to maintain the account balance within 30,000 - 300,000 ₽ and spend from 15,000 ₽ per month.
For clients of the salary project, the conditions are slightly different: to receive up to 4%, you need to keep at least 30,000 ₽ in the account and spend from 10,000 ₽ per month.
When used correctly, debit cards with cashback and interest on the balance allow you to receive passive income and save on purchases. But you can only understand how profitable a specific program is for you by making calculations.
The high percentage on the balance and the large cashback indicated in the program description do not mean that this is how much you will receive. In practice, the accruals may be much less. For example, this is possible if you do not make purchases in categories with increased cashback or do not keep the balance on the account within the limit.
The second important point is that the benefit from cashback and interest payments should cover your costs associated with maintaining the account.