How to repair a car at the expense of a telecom operator and get cashback for paying for housing and communal services: 8 life hacks that few people use (but in vain!)

1. Cashback for payment of utility bills

Usually, cashback is not charged for utility bills at all - but some banks have cards even with increased bonuses. For example, with “Comfort” cards from UBRD, “Heat” and “Cashback” (with the “Heat” option connected), 5% can be returned from Bank “Vostochny”. But for this you need to fulfill a number of conditions. For example, a "Heat" debit card must be a salary card; with a Cashback credit card you need to make purchases in the amount of 10,000 rubles or more per month, and for Comfort - from 15,000 rubles (if you do not collect this amount, the amount of bonuses will decrease).

2. Free travel by train

If you regularly travel by train (including commuter trains), the RZD Bonus loyalty program will help you save money. For trips, the passenger is awarded points - one for every 3.34 rubles spent. The accumulated cashback can be exchanged for tickets for compartment and SV cars, as well as for Sapsan. At the same time, it is permissible to purchase travel documents not only in your own name. Points can also be donated to charity.

To apply RZD Bonus, you need register on the program website: for this, users receive a welcome 500 points. If you traveled by train within a month before check-in, bonuses for these trips can also be credited to your account.

4. Relax in the business class lounge at the airport

Airport Lounges offer soft seating, complimentary snacks, drinks, private Wi-Fi and other perks. You don't have to buy business class tickets to get there.

Many cards with cashback in miles allow you to enter the lounge for free. For example, AlfaTravel Premium cardholders can get into Priority Pass lounges for free, and Tinkoff S7 Airlines Black Edition - into Lounge Key lounges. Miles bonuses make it possible to use other airline services at a discount, for example, to transport extra baggage, pass passport control faster than others, buy goods in Duty Free with a discount and save on tickets.

If you do not have a mile card or a business class ticket, you can still get into the Lounge by purchasing a voucher at the airport.

5. Additional discounts on coupon from check

In the “Magnit” chain of stores, a coupon is often attached to a purchase receipt. It looks like an extension of a check with a tear-off line - with a discount for a certain category, a specific product, or the entire assortment of the store. To take advantage of a special offer, you just need to show it to the cashier during your next purchase.

The same practice is used in Perekrestok, but there the coupon is attached to the check with a separate piece of paper and issued for a purchase for a certain amount or for choosing a specific product.

6. Interest on account balance

It is not necessary to open a savings account for money to bring additional income. Some banks charge interest simply for keeping funds on the card. For example, holders of the "Benefit" card from Home Credit Bank receive 3% per annum on a balance of up to 300 000 rubles, if they make purchases in the amount of 7,000 rubles per month, or 5% - if they spend more than 30,000 rubles.

Interest on the balance is also credited to Tinkoff Black, Your Cashback (Promsvyazbank), Profit (Uralsib) cards and others.

7. Points for reviews

You can earn extra points of the discount program in some services by sharing your opinion about a product or service. A similar promotion is currently taking place on Ozon: in order to receive bonuses, you need to go to your personal account, find the section "Points for reviews", select one of the purchased goods and evaluate it. You can get cashback in the same way in "Pyaterochka" and "Labyrinth".

But the iHerb store gives for the opinioniHerb. Rewards not points, but real money - $ 1 per review. Plus, for each "Helpful" rating for your review, you can get another 10 cents. As soon as 100 dollars have been accumulated, they will be offered to spend on the website or withdraw to a bank card or electronic wallet.

8. A profitable day at the cinema

A fixed price for sessions on one of the days of the week is a common promotion in many cinemas. For example, in the "Formula Kino" / "Cinema Park" network and in "KARO" it is held on Tuesdays ("Super Tuesday" and "# KINOVTORNIK"); at Kinomax - on Tuesdays and Wednesdays (Film Day); in "Mirage Cinema" - on Mondays ("Easy Monday").

The beginning of the week is not the most convenient time for going to the cinema, but the same price even applies to evening sessions: you can catch up after work or school. But large premieres are usually excluded from the action.