Free service, cashback up to 30% and 4 more reasons to get a Tinkoff Black card

Reason 1. Eternal free service

Usually, you need to pay 99 rubles a month for servicing a Tinkoff Black ruble card, which is about 1,200 rubles a year. To make the service free, you need to keep 50 thousand rubles on the card, deposits, savings accounts and investments. But let us emphasize: these are the usual conditions.

Now Tinkoff has a special offer: if you issue Tinkoff Black using this link, the card service will be free. It doesn't matter how much money is in the account - you won't have to pay in any case. It is better not to delay the registration: a card with an eternal free service can be ordered only from 21 to 30 June.

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Reason 2. Cashback up to 30% in rubles

For any purchase from 100 rubles, 1% cashback will be returned to the card. These are not abstract points or bonuses that are often awarded in other loyalty programs, but rubles, and they can be spent at any time.

The cashback size can be increased. Each month, choose three categories of purchases for which the bank will return up to 15%. The list of categories includes popular supermarkets, taxis, pharmacies and cosmetics stores.

And for purchases from Tinkoff partners, you can get up to 30% of the costs. The full list of partners is in the bank's mobile application: there are food delivery services, electronics stores, household appliances and clothing stores, tour operators and hotels.

Reason 3. Interest on the balance

Interest is charged on the balance on a monthly basis. Tinkoff Black works as a savings account, only interest cannot be withdrawn from the account at any time, but from the card it is possible.

To receive interest, you need to spend 3,000 rubles from the card per month. Making Tinkoff Black your main card makes it easy. Keep within the amount - you get an additional 3.5% per annum on the card. Connect a Tinkoff Pro subscription and fit into the amount - you get 5% per annum.

Let's calculate how much comes out: if you keep an average of 100,000 rubles on the card, you can get up to 3,500 rubles per year without a subscription or 5,000 rubles with a subscription. Add cashback for purchases to this - bonuses alone will bring a good amount, given that the cardholder does not need to do anything supernatural.

Reason 4. Free transfers and cash withdrawals

With card Tinkoff black you can send up to 20 thousand rubles a month to clients of other banks for free (it is enough to know the card number) or any amount through the Fast Payment System. In other cases, the commission will be only 1.5%.

You can also withdraw money for free. At Tinkoff ATMs in Russia, it will be possible to withdraw up to 500 thousand rubles without a commission in a month, and at any other ATM anywhere in the world - from 3 to 100 thousand rubles. You do not need to pay for replenishment of the card. There are no limits on the amount for Tinkoff ATMs, and through partner banks, you can put up to 150 thousand rubles a month on the card without overpayments.

Reason 5. Solving all questions in the chat

You don't have to make phone calls and listen to endless music on the phone or waste time queuing at branches to chat with support specialists. Tinkoff has no offline branches at all, because the support service solves all issues online. If something happens, you can just write to the chat in the application and get a quick answer.

It will be easy to master the bank application. Basic operations like transferring funds or checking expenses for a month are carried out in a few taps. Those that are used less often are grouped into visual categories in the menu: you can immediately see where to choose an increased cashback, pay for the Internet or mobile communications. Even parents who are “you” with a smartphone can figure it out.

Reason 6. Investkopilka

The card itself knows how to invest - for this, Tinkoff Black has the Investkopilka tool. Here's how it works: money comes to a separate account - for example, cashback, interest on the balance, or rounding of spending in increments of 10, 50 or 100 rubles. You can also set up auto payment to replenish your piggy bank every month or once a week.

This money is used to automatically buy shares in the Eternal Portfolio from Tinkoff Capital - a fund of stocks, bonds and gold. It is called eternal because it is balanced so that it is resistant to changes in the stock market. But you don't need to deeply understand this and you don't need to buy anything on your own. "Investkopilka" does everything by itself - just watch how money is slowly accumulating on the account.

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Tinkoff Bank JSC. The banking license was issued by the Central Bank of the Russian Federation on March 24, 2015. License number 2673.