How to get the most benefits from the card with keshbekom

What is keshbek and how it formed

Many banks promise to return part of the funds spent by you. This is called keshbekom. Where are the money? Everything is simple: in order to attract new customers and retain the old ones, the financial institution shares with them a part of their profits.

Here's how it works:

• You pay off the card, the amount is deducted from your account.
• Comes in your bank, payment system and the bank of the seller. Each of them for their service takes the small percentage. Commissions paid by the final recipient.
• Your bank receives a percentage of the transaction and of the charges to you in the form of keshbeka.

In the end, all participants in the transaction in scoring but Seller: nothing has changed for him. Although in some cases, for example, at elevated keshbeke, the bank can contribute to consumer interest in a particular store.

Example. You have issued a card with keshbekom 2% on all purchases in the past month and spent 20 thousand rubles. You will get back 400 rubles. Looks are not very profitable. To keshbek benefited, to choose not the advertised offer and what is right under

your spending.

What to look for when choosing a card with keshbekom

Minimum amount spent

Usually banks have restrictions on spending if spent less than a certain amount, keshbek get. And it is important to understand whether you fit these requirements.

Example. Bank number 1 offers extremely profitable conditions on keshbeku, but you need to spend no less than 30 thousand rubles. The second "entry threshold" less, but also the minimum amount spent is only 10 thousand. If you spend an average of 15 thousand rubles per month, bank card number 1 for you is useless, no matter how attractive it may seem conditions.

The actual percentage keshbeka

Carefully read the terms of accrual keshbeka. It often happens that one and the same card, they can be different.

Example. The bank promises to return to 10% of spending on taxi services, and 5% - in the cinema, wine and dominoes and 1% - of all spending. The minimum amount spent in this case is 10 thousand rubles. Sounds great. But if you read carefully, you find that there is a fork:

• Return up to 10% of spending on taxi services, and 5% - in the movie, wine and dominoes and 1% - for everything with total expenditure of 40 thousand rubles.
• Return to 5% of spending for taxi services, up to 2.5% - on the film, wine and dominoes and 0.5% - at all at a total expenditure of 20 thousand.
• Return to 2.5% of expenses for taxi services, up to 1.25% - in cinema, wine and dominoes and 0.25% - at all at a total expenditure of 10 thousand.

It does not look so great. Better to find out these details before they issue a card and be disappointed.

limit keshbeka

The Bank is not a charitable organization, so there is a maximum payout of keshbeku. Somewhere we are talking about a few thousand, somewhere - the tens of thousands. Pay attention to the limit, but not carelessly: in some cases, the conditions simply do not allow to approach him.

Example. You choose between cards with keshbekom 3% on everything, and a limit of 3000 rubles and a return of 2% with a limit of 15 thousand rubles. In a month you spend an average of 50 thousand. In the first case keshbek be 1.5 thousand rubles, in the second - 1000. It makes no sense to choose the bank number 2, only because of the limit.

additional terms

The contract may be prescribed and additional conditions for receiving the bonus. For example, the percentage is returned only with the purchase of not less certain amount. That's all you need to consider.

categories keshbeka

As we have understood, low keshbek at all is not the ultimate dream: if you do not spend a huge amount of return a little bit. Banks also understand, therefore, introduced keshbek increased in some categories. To choose a good offer, you need to analyze spending.

Example. You spend in a month 20 thousand rubles, of which 6000 for products 4000 - for lunch in the dining hall, 3000 - at cafes and restaurants, 1.5 thousand - in the cinema, 3000 - gasoline, 2.5 - to all the rest.

Bank number 1 offers keshbek 10% - for the purchase of gasoline and 2% - for everything; Bank number 2 - 5% in the cafes and restaurants, 5% on products and 1% to other expenses; bank number 3 - 3% on everything.

Bank number 2 is more favorable, but it only works if you spend in your dining room will take place in the category "Cafes and restaurants."

Expenses are categorized automatically based on the payment terminal settings. If nothing is specified settings, decision the bank itself. It so happens that even one network terminal points give different categories. If the bank offers a higher return on the category "Cafes and restaurants" as a whole, everything is all right. But if he is allocated a separate "Restaurants", "fast food", "food delivery" and offers higher returns only one of them, it increases the risk that keshbek you get in a smaller volume.

Please note that some banks allow you to decide which categories get increased keshbek, or select a specific location for this.

Service card

And again I have to consider: if the service card you will pay a little less than return the money game is not worth the candle.

additional bonuses

Sometimes a card provided keshbekom pleasant environmentNon-return funds. For example, interest on the residue. According to this criterion, too, banks offer a better comparison.

Repayment period

Not the most critical criterion to know which it's worth, not to worry. Keshbek usually return when the bank is sure that you spent all the money went to the recipient, anything you do not intend to cancel. Some of this just a few days, others need a month. So specify exactly when to wait keshbek.

The main rule: before you sign a contract with the bank, read it carefully. In it you might find plenty of interesting things.

How can I get more keshbek

Logically, the first should be obvious advice "spend more", but it's a trap. Keshbek - the opportunity to return part of the money already spent for, but it does not encourage you to unnecessary costs. Refuse to buy still more profitable.

If the waste is inevitable, we can try to get a little more.

Pay for all

If you're going big company somewhere where you have increased keshbek, offer to pay for everything. Bank will return to you keshbek on the whole amount, and friends give their part of the time spent.

This method is suitable only for disciplined acquaintances with whom you do not have then it will knock out the debts.

Get a few cards

If you spend really a lot or spent a minimum amount for keshbeka have little useful to have multiple cards different banks and pay them in situations where a higher rate of return. One bank card you will be charged, for example, for fuel and cinema, the other - for a cafe and household chemicals.

Plan your purchases

If the bank periodically changes the category with an increased keshbekom or offering additional return for purchases at some stores, there is a sense plan costs so as to participate in the action and get more.

Do I have to pay taxes on keshbeka

Keshbek not considered income. From a legal perspective, it is a bonus for participating in the loyalty program, for which you need to spend money. FNS considersFederal Tax Service Letter dated 21.10.2016 number BS-4-11 / 19982That taxes do not need to pay for it.