We are considering a Tinkoff Bank bank card issued in cooperation with Google Play.
I usually write about banking products as part of the Bank Holiday, but I'll tell you a secret, the next issue is already ready and will be devoted to the Rocketbank card. But you can talk about the new Tinkoff Play in the Friday column, after all, it is directly related to our Android – blog.
The card is a joint project of Tinkoff Bank and Google, first of all it lies, of course, in the bonus cashback, and we will start with it. The bank offers two cards – debit and credit. For purchases in the Play Store with a credit card, 10% cashback will be awarded in the form of points, which can be used to compensate for subsequent purchases in the Market, 2% of points will be credited for spending in the 'Restaurants' and 'Entertainment' categories, and 1% for all other purchases. The debit card will be 5% for the Play Store, 1.5% for 'Restaurants' and 'Entertainment' and also 1% for other purchases.
The service fee will be 990 rubles per year for a credit card and 99 rubles per month for a debit card (if there is 30,000 rubles on the balance within a month, the card becomes free). By the way, there is no interest on the balance on a debit card. SMS-informing will cost you 59 or 39 rubles per month, respectively.
The grace period for a credit card lasts up to 55 days, the interest rate is 24% per annum. With a debit card, you can withdraw cash without commission at any ATM for amounts from 3000 rubles, but not more than 150,000 rubles per month.
We figured out the tariffs, now let's think about who this card may be interested in. Let me remind you that the Play Store now is not only applications and games, but also music, films and books. And also in-app purchases. This is how they took, accumulated points and paid for a subscription to Amediatek in the application, for example. And this will also be considered a purchase in the Play Store. Or take a subscription to Play Music, it is also included in this category.
Of course, 10% cashback looks impressive, but let's be honest, it's unlikely that we spend more than 200-300 rubles per month in the Play Store. If you buy films, then you can talk about 1,000, but not more. Well, you will get your 100 points from them, this is not so much. Basic purchases will still go on daily expenses, and if you take, for example, monthly expenses of 20-30 thousand rubles, then a month we will get about 300-400 points in total, and this is just a subscription to Play Music and one toy any.
But bad luck, the same Tinkoff Bank has a more universal Black card, on which, at the same costs, it is possible to get a similar cashback (taking into account 5% bonus categories), only it will already go with real money, not points. Well, where to spend the 'live' 300-400 rubles, I think everyone can decide for himself.
For those who are interested in the card, the bank offers to pre-order it through a special application Tinkoff Play. I wonder how many applications the bank will receive in the end.
- Credit card rates