Top 10 Bank Loyalty Programs

Benefit was named the best loyalty program in 2017-2019 by ICXC Loyalty Marketing, and was also named the best plastic with reward program by the Frank Banking Reward Award 2019.She honestly earned this title by benefit and convenience. "Benefit" is available to those travelers who use the "Benefit of Travel" plastic. This is a Visa Signature card that provides additional benefits to its holders. You can spend the accumulated points with the bank's partners, whose offers can be viewed in the bank's personal account.

The loyalty program is beneficial if you buy goods from bank partners - then the return can be up to 30%. In Russia, any purchase will return 1% of the spent money (5% if it was something from the Travel category). Abroad, a 3% cashback is attached to each purchase, which more than covers the currency conversion rate.

In addition to cashback, the loyalty program allows you to receive a concierge service from a bank, travel insurance, free cash withdrawals at any ATMs in the world up to 5 times a month, a home tariff for cellular communications even in international roaming, a discount of up to 35% on car rental, and others. privileges for VIP clients. And card maintenance can easily be made free of charge if you keep at least 30 thousand rubles on it as a minimum balance.

The successful Alfa Travel loyalty program is designed primarily for wealthy travelers and gives all the privileges and bonuses available to VIP clients. Works when using a card with the appropriate name. There are two plastic media options to choose from: Premium and Regular.

The maximum refund of 11% is available for the Premium card if the client purchases any goods and services on the loyalty program website (up to 9% for a regular card). On this resource you can find flights, hotels and so on.Purchases on other sites or in real life are encouraged with a return of up to 5% (up to 3% if the card is not "platinum"). In addition, up to 7% is also charged on the account balance, which makes the card profitable for storing money (from 70 to 300 thousand rubles).

The miles program allows you to accumulate points as much as you like: they do not burn out, so in a few years you can easily save up for tickets anywhere. On the site you can buy tickets for more than three hundred airlines, and the purchase price differs little from the average market price. Cardholders are entitled to discounts and gifts. The "Platinum" card provides many privileges for traveling: free baggage packing, access to airport VIP lounges, transfers, and so on.

Tinkoff Bank is one of the leading credit organizations in the Russian financial market, focused on attracting customers of various levels. The bank has several different loyalty programs for travelers. All of them are tied to certain bank cards, which gives them additional opportunities.

Such an abundance is convenient, since the client gets the right to choose the program that is most convenient for him. The bank's catalog contains both a general card with the All Airlines loyalty program (up to 10% refund when buying tickets on the Tinkoff Bank website), as well as S7 and OneTwoTrip co-branded cards, which are designed to receive discounts and bonuses when buying goods and services on certain websites or with specific airlines.

Any variant of a loyalty program is worth evaluating, as its usefulness will be different for individual people.For example, if you prefer to fly only with S7 aircraft, then the corresponding card (which, in addition to cashback, gives the client access to sales, closed business lounges and favorite client privileges) will be more useful to you than the universal All Airlines.

The Promsvyazbank loyalty program is linked to the Double Cashback credit card. With its help, you can get a refund of up to 11% of the funds spent. The refund implies a cashback of up to 10% for purchases when choosing one of the privilege packages - "Leisure", "Auto" or "Family", as well as 1% for any purchases and 1% for paying off card debt.

In general, this is a standard loyalty program with a high percentage of return. Its main advantage is that money is accrued even for paying off debt to the bank (only 1%, but still nice). This is beneficial for those who have a bank credit card and pay off debt on it. Thus, you can save a little on the loan and reduce the high annual rate.

The disadvantage of the loyalty program is that the increased cashback of 10% is designed to spend credit funds. So a card with it is not suitable for those who prefer to spend their own funds from credit cards. On the other hand, cashback can recapture part of the interest rate, which is nice and profitable.

The MAKS loyalty program from Otkritie Bank is available to users of Opencard and SVO Club cards. It assumes several advantages, including cashback up to 2.5% on all purchases and up to 30% on purchases from partners, a 20% discount on hotels and tickets, and increased profitability on the My Piggy Bank account. Standard cashback is summed up with privileges from partners.

The accumulated points can compensate for purchases in the amount of 1500 rubles. Also, for compensation, the operations of paying interest on loans, paying for card insurance and notifications on it are suitable. You can manage cashback in the mobile banking application or in your personal Internet banking account.

The MAKS loyalty program is one of the five most popular and frequently used programs according to the Banki.ru website. Until the summer of 2021, its conditions were more attractive, because there was an opportunity to get more cashback in certain categories, but even now they look very worthy, although they are unlikely to attract new customers to the bank.

"Multibonus" from VTB Bank is a unique loyalty program, within the framework of which you can accumulate bonuses or miles, as well as receive real cashback in rubles, reduce the rate on a cash loan or mortgage.What kind of privileges to receive, the cardholder chooses himself by connecting one of the additional programs - Travel, Collection, Cashback or Borrower. You can change the program once a month.

The standard cashback for programs that involve receiving bonuses, miles or bonus rubles is not so big. For an amount up to 30,000 rubles per month, it will be 1%, up to 75,000 rubles - 1.5%. But for purchases from partners, the list of which is in the mobile application and in your personal account on the website, you can return up to 20%. The list of the most profitable offers is constantly updated, so you should look at the corresponding page more often.

Reward in the form of bonuses is paid only when spending on the card from 10,000 rubles. Bonuses are valid for 1 year from the date of enrollment, but if you stop using the card, they will expire within six months.

The bonus program of the largest bank in the country "SberSpasibo", created to encourage regular customers. This is a kind of analogue of cashback, which works on certain sites. Live embodies the expression "receive for thanks": with the help of Sberbank bonuses, you can pay up to 99% of the cost of the goods.

The bonus program "SberSpasibo" works with most cards of the institution. Bonuses are awarded to people who have joined the loyalty program and make purchases from bank partners. She received four levels of privileges, which depend on the level of spending and activity of the client. For each new level, the client receives additional opportunities: an increased return not only from partners, but also from the bank itself.

Alas, these bonuses cannot be spent like regular money: they must be exchanged for discounts from various sellers of goods and services (usually on the Internet, although in real life some stores are ready to accept “thank you”). Only at the highest level of privileges can you exchange Thank You points for rubles.

A convenient and affordable loyalty program ideal for those who use Gazpromneft gas stations. Available to customers who have issued an Autodrive Platinum card. Using this debit card will allow you to count on platinum status in the On Our Way program and receive 2 additional bonuses for each filled liter of fuel. In addition, 10% for purchases at the chain's gas stations will be returned as cashback. Also, 1 bonus is awarded for any 100 rubles of expenses. Other cards can also participate in the Along the Way program, but with a different status. In addition, various promotions and super-offers from Gazpromneft filling stations become available to members of the loyalty program: additional bonuses, interesting events, sweepstakes, and much more.

Participation in the loyalty program allows you to purchase not only fuel or any auto products and services with the received bonuses. The accumulated points can be spent at Gazpromneft gas stations for any goods and services offered by this particular outlet. Bonuses are able to pay for the entire purchase at once or some part of it.

Alas, the loyalty program is tied only to Gazpromneft gas stations. Therefore, it will not suit drivers who prefer other gas stations. However, if it doesn’t matter to you where to refuel, and the benefits of Gazprombank cards and the On Our Way loyalty program are attractive, then you should pay attention to this option.

Rosgosstrakh positions itself as a bank for motorists and these are not just words. It offers a rather attractive loyalty program for car enthusiasts who are ready to issue a debit Road Card here. One of the privileges is a high cashback. In the “Auto” category, which includes expenses for spare parts, car service and washing, tolls, tire fitting and car rental, it will be 10%, but this is for a promotion valid until 12/31/2021, then 5%, which is also not bad. 4% refund applies to the categories "Gas Station", "Food" and entertainment.

The bank also has a Turbo Drive debit card, which can be obtained through car dealers. In the future, for paying for their services, you can get a cashback of 10%. In addition, there are standard 5% in the "Auto" category.

Each cardholder can also connect to the My Road program. This will allow for only 155 rubles a month to count on receiving legal and technical advice, assistance in case of an accident, and towing services.Also, for 99 rubles per month, you can connect the Active Life program, which gives access to telemedicine services.

The loyalty program offered by Unicreditbank to AutoCard users will allow you to return from 5 to 10% for paying for taxi and car sharing services, parking lots and toll roads, as well as from gas station expenses. The same amount will be returned in cashback even for public transport. 5 or 10% will be returned as bonuses depending on the amount spent on the card. If they exceed 50,000 rubles, then the cashback will be an impressive 10%. It's also nice that the rest of the expense also provides a refund, albeit a small one, only 1%.

These are far from all the benefits provided by the loyalty program for Autocard users. Another benefit is the Driver's Package. It involves the possibility of obtaining free legal and technical advice, assistance in case of an accident, including paying for a taxi, opening doors and starting the engine. Additional discounts are also available to plastic users, for example, 10% for rent in Yandex.Drive and fuel in Yandex.Navigator.

In general, the offer is very attractive, if you do not take into account the nuance that it is valid with a credit card and only if you use it. Plastic is serviced free of charge only in the first year, and then only for a number of customers, then its cost will be 1990 rubles. The credit limit is allowed up to 3,000,000 rubles.