How Cashback Works?

Cashback is a refund by the bank of part of the expenses for card purchases. If the purchase was paid from a ruble account, then the cashback will be in rubles, if from a dollar account – in dollars. You can spend cashback on anything at any time.

For different types of purchases with a bank card, cashback is charged from 1 to 30%:

Once a month, on the day of discharge, immediately for the entire billing period. The release date is individual for each client. It can be changed by writing to the support chat. What is a billing period

For example, the bank generates a statement every month on the 15th, the next one should arrive on April 15th. On this day, the bank will credit cashback for purchases from March 16 to April 15.

You can find out the start and end dates of the billing period in the mobile application or in your personal account:

To see how much cashback you have already earned, in the mobile application or in your personal account, click on the card account.

When the bank accrues cashback, you will receive a statement by SMS and email. mail – it will indicate the amount of cashback for the month. The same amount will appear in the list of expenses, which is displayed in your personal account on tinkoff.ru and in the mobile application. Next to each transaction there is a tag with the amount that will be returned for it.

You can see what the amount of cashback was made of in the event feed: next to each transaction there is a tag with the amount that will be returned for it.

When accruing, cashback is rounded down to the nearest whole number. For example, you spent 470 ₽ in the category of increased cashback with a rate of 5%. We multiply 470 by 5% and get 23.50. Since the cashback is rounded down to the nearest whole number, you will be refunded 23 rubles.

In the mobile app, click “Monthly spending”, in your personal account – the “Events” tab: the amount of cashback will be indicated in the purchase line.

If this is a purchase for a promotion, for example, for tickets or for a special offer, only the standard 1% cashback will be indicated in the column. The rest will be credited after: for example, for tickets to an event – within 14 days after it is held.

Purchases for which the bank will credit an increased cashback at the end of the month are marked with a special icon in the list of expenses:

The bank determines purchases with an increased cashback by the MCC code and the name of the store. MCC code is a special four-digit code that describes the type of activity of the outlet. How the bank determines purchases with increased cashback

There is no such list, because cashback is credited for all purchases. Standard cashback will be credited for all purchases from 100 ₽, increased – for all purchases in selected categories and special offers, for travel – when buying through Tinkoff Travel.

View a list of available specials:

Cashback is credited only for purchases, including in online stores and Tinkoff services. For transfers, utilities, duties, payment for services through a mobile application or personal account on tinkoff.ru, cashback is not credited.

Here is a list of transactions for which the bank will not charge cashback:

There may be several reasons.

The billing period has not yet expired. The bank will credit cashback immediately for all purchases of the month on the day of the statement. Before that, you can see how much cashback you have earned and for what purchases in the payment history.

The bank did not have time to calculate the cashback. Each payment goes through two stages: when paying, the bank confirms that the card works and there is money on it – this is authorization, and within 1-3 days after payment, the bank transfers the purchase amount to the store’s account – this is a transaction. Until the transaction has passed, the bank cannot calculate and accrue the cashback amount for the purchase. Therefore, purchases that were paid for at the end of the billing period are usually not included in the statement, and the cashback for them is credited in the next month.

No cashback provided. For some operations, the bank does not charge cashback – for example, for replenishment of electronic wallets, utility bills, money transfers. Here is a complete list of transactions for which there is no cashback

The seller incorrectly entered the details of the store. You can check the data in the purchase history in the application or in your account. The bank recognizes purchases for which an increased cashback is due, by MCC code shop is a four-digit code that describes the type of activity of the outlet. If the seller indicated an obviously incorrect MCC code – for example, “Communication” instead of “Air tickets”, write to the chat – most likely, we will be able to recalculate the cashback.

You have reached the cashback limit. During the billing period, you can get no more than 3000 ₽ cashback for regular purchases. Anything over that amount will be burned.

Purchase canceled. If the store or you canceled the purchase and returned the goods, then the cashback for this purchase will not be credited.

If the purchase was on a special offer, there may be other reasons.

If none of the reasons suits you, write to us in the chat – we’ll figure it out.