5 superpowers of the Tinkoff Black card

1. Armor from extra spending

If you apply for Tinkoff Black before June 30, then you will never have to pay for the service. Save $99 per month. Infinity without monthly charges is not the limit. Delivery of plastic in Russia will also not burden your wallet - it is free. The owners of the card are not afraid of the eternal enemies of savings - commissions. Top up accounts, unlimited transfer money to customers of other banks by phone number, withdraw cash up to 500 000 rubles at Tinkoff ATMs and up to 100,000 at others - these transactions are free for Tinkoff Black users.

A Tinkoff Pro subscription will help you add points to your invulnerability scale. With it, notifications and calls with the Tinkoff Mobile virtual operator will become free, and the limit of transfers by card number to accounts in other banks without commission will increase from 20,000 to 50,000 rubles. As well as cashback: for example, up to 15% will be returned for buying tickets to cinemas, theaters and concerts, and 10% for booking hotels.

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2. Profit Control

Tinkoff Black holders have secret money making techniques. For example, if you spend more than 3,000 rubles on a card, you will receive 4% per annum on the balance - a reward from the bank just for being you. Let's calculate: the maximum amount for accruing interest on the card is 300,000 rubles. With a Tinkoff Pro subscription, the rate will increase to 7%. So, for a year with a subscription, if you consistently keep about three hundred thousand on the card, you will provide yourself with 21,000 rubles of passive income.

3. Invulnerability to everyday problems

Map Tinkoff Black ready for a variety of challenges. Do you want to connect parents, partner and children to one account to keep track of the family budget? In the Tinkoff application, you can do this in a couple of taps - you can issue up to four additional cards for free.

The bank is ready to solve customer problems around the clock. Just write to the support chat and get an answer to your question. It doesn’t matter where you are and what time you write: if you have the Internet, they will help you open a new foreign currency account even at night in Bali.

Learn time management and understand that time management is easy. Pay utility bills, fines and the Internet, order and issue a new card - you can do it in a couple of minutes in the application. Complex operations, such as registration of OSAGO or certificates of account status for foreign embassies, can also be performed online at lunch without going to the bank.

4. Shield against lack of funds

Sometimes a treacherously modest figure remains on the account, but there is no way to postpone the purchase. In such a situation, the "Kubyshka" service will help. This is a reserve of money from the bank that can be used for purchases, cash withdrawals, payments and transfers.

Let's say tonight is an important party that you have nothing to go to. You find dream jeans for 5,000 rubles, and only 1,000 remain on the map. With "Kubyshka" you can simply take the missing amount from the bank, pay for the purchase and close the debt later.

If you return the money after 7 days, then you will not have to pay for the use of "Kubyshka". For Tinkoff Pro and Premium subscription owners, the commission-free period is longer - you can use the service for free for up to 14 days. If the debt repayment period is delayed, a daily commission will be charged to the amount taken. Its size depends on the amount of debt. For example, if you spent from 1,000 to 3,000 rubles, then they will withhold 9 rubles per day from the moment you activate "Kubyshka".

5. Budget regeneration

Cashback on Tinkoff Black is rubles, not bonuses. So at the end of the month, your accounts will be steadily regenerated - up to 15% of expenses will be returned in four categories that you yourself choose at the beginning of the month. Among them: pharmacies, restaurants, cinemas, online courses, taxis, supermarkets, fuel - there will surely be something useful. And if you still don’t like anything, you can choose up to 1% cashback for all purchases.

Under special offers, up to 30% of the money spent will be returned to you, and in exceptional cases, the bank's partners are ready to compensate even half of the check amount. In order not to miss such a benefit, check the “Cashback and bonuses” section on the main screen of the application: in the “Cashback from partners” category, you will probably already have an interesting offer waiting for you.

Get your superpower apply for a Tinkoff Black card. Accumulate cashback, use useful services, and most importantly - do not pay for the service!

Get super power!

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