Free service forever and cashback for all purchases: how to get the most out of your Tinkoff Black card

1. Get everlasting free service

Card service at regular times Tinkoff black costs 99 rubles a month. In order not to receive sad messages about debiting, you need to store 50,000 rubles on the card, deposit and savings accounts, or the same amount, but in securities.

But if you issue a card before October 31, you can get an eternal free service without additional conditions. No reservations in small print: regardless of whether funds are stored in your account, you will not have to pay. And when the card expires, the service will still remain free even after the reissue.

I want Tinkoff Black with free service!

2. Don't waste your money on commissions

Many banks charge interest for standard transactions like cash withdrawals or card-to-card transfers. Yes, they are very small and hardly hurt, but in the long term, the total amount of commissions can be impressive. For withdrawing cash from "foreign" ATMs, banks can charge from 1 to 1.5%. If you withdraw 20,000 rubles monthly from an ATM of a bank other than your own within 5 years, you will miss about 12,000 rubles.

WITH Tinkoff black You can withdraw cash without any commissions at all: up to 500,000 rubles in Tinkoff ATMs and from 3,000 rubles in any other ATMs around the world. By the way, you can also top up your card for free. The easiest way is to transfer in the Tinkoff mobile application or on the bank's website. The funds come within a few seconds. And even without commission, you can transfer to cards of other banks up to 20,000 rubles per month and up to 1.5 million rubles through the Fast Payment System.

3. Store savings and collect interest

Money can work and bring you passive income, even if it just lies on the map. Tinkoff black works on the principle of a savings account. With a Tinkoff subscription, you will receive up to 6% per annum on the balance, and without it - up to 4%. For this interest to be calculated, it is enough to spend 3,000 rubles per month from the card.

Let's say you keep the same 50,000 rubles in your account for free card maintenance. At the end of the year, if the amount remains unchanged, you can earn up to 3,000 rubles. This is especially pleasant when you consider that you don't have to do anything complicated - just pay with your card.

Such an investment system is more convenient than a traditional deposit, because it allows you to quickly move and withdraw funds. You don't even have to go to a bank branch to do this. It is also safer to keep savings on the card than in the old fashioned way, “under the mattress”. Even if the plastic is lost, you can easily restore access to the account.

4. Use cashback

Tinkoff credits real money as a cashback. No virtual bonuses - only real rubles that can be used to pay or withdraw from an ATM. In addition, unlike the loyalty programs of some other banks, you do not have to wait until a certain amount is accumulated in order to use the funds. It's very simple: the money has come - it means you can spend it.

With card Tinkoff black for every purchase you will receive 1% cashback. In three categories, you can set an increased rate from 3 to 15%. Every month Tinkoff provides several options for such categories to choose from: there are Supermarkets, Taxi, and Entertainment. And purchases on special offers of partners can bring cashback up to 30%.

To increase the total amount of bonuses, issue additional cards for your partner, child or parents. It's free, and the cashback for their purchases will go to your Tinkoff Black.

5. Invest in a couple of taps

Another good way to save savings from inflation and even increase your income is to invest in securities. WITH Tinkoff black making money on promotions is no more difficult than making purchases on the Internet.

The card has the "Investkopilka" tool. To use it, you need to open a special account - this is easy to do right in the mobile application. You can send money to this account manually or using auto-replenishment: for example, you can add a percentage of the balance or cashback there. Another option is to round up your spending. Available rounding steps are 10, 50 and 100 rubles. For example, if you chose a step of 100 rubles and made a purchase for 1,930 rubles, 70 rubles will go to the piggy bank. This money is automatically invested in the "Eternal Portfolio" - a balanced and resistant to changes in the market combination of stocks, bonds, cash and gold from Tinkoff Capital.

To get Tinkoff Black with eternal free service, fill out a short form on the bank's website by October 31st. And in a day or two, a Tinkoff representative will bring the card free of charge to a place convenient for you.

Checkout Tinkoff Black

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