Novikombank Debit Card with Cashback Rewards Review

Name: My Honest Take on Novikombank's Debit Card with Cashback Rewards
Item: Novikom
Rating: 5
Author: victoriaJ

My Honest Take on Novikombank's Debit Card with Cashback Rewards

summarizeEditor's Summary

As a busy working mom, I was sold on the idea of earning cashback on my everyday purchases. Novikombank's debit card with cashback rewards has been a total game-changer for me. With its flexible cashback system and high cashback rate, I've been able to save money on everything from groceries to gas. The build quality of the card is surprisingly solid, and the customer support has been top-notch. I love that you can choose your categories every two months, which makes it super easy to plan your shopping. Plus, with a wide range of partner discounts available, I've been able to save even more. Of course, no system is perfect, and I've encountered a few issues with the app's functionality. But overall, I'm thoroughly impressed with Novikombank's debit card with cashback rewards.

settingsSpecifications

Kararİyi

Hassaslık8/10

Kategoriler7/10

Para İade Oranı9/10

My Honest Take on Novikombank's Debit Card with Cashback Rewards

Cashback is a total game-changer, and I've been on the hunt for ways to save money on my credit card since I became a new mom. As a busy working mom, I'm still looking for ways to cut costs. I got a corporate card from Rostech, which comes with a debit card from Novikombank, and I've been using it for almost everything.

I was initially skeptical about the bank, but my colleagues raved about Novikombank's cashback, and the high cashback rate was the main selling point. I was sold on the idea of earning rewards on my everyday purchases.

It took me a month to switch over, but once I saw the benefits, I was hooked. Here's what I love about Novikombank's cashback:

Flexibility and Customization

No need to constantly chase promotions – I can choose my categories every two months, which makes it super easy to plan my shopping.The categories are actually useful, like supermarkets, utilities, and gas stations. Not some obscure rewards program that I'd never use.Automatic Rewards

I get 1% cashback on all purchases, no need to select categories. It's just automatic, which is awesome.Family-Friendly Categories

I have 10 categories to choose from, and I select 4. One of them is a 25% cashback category, and the rest range from 3% to 10%. The bank did a great job of catering to families with kids – they gave us 25% cashback on books, stationery, kids' clothing, and education expenses.Impressive Cashback Rate

Even compared to other commercial banks' promotions, Novikombank's cashback is impressive. With our monthly expenses of around 12,000 rubles for utilities and 40,000 rubles for groceries, plus miscellaneous expenses, the cashback adds up quickly. I've calculated that we save around 2,000 to 3,000 rubles per month, which is a significant amount for us.One thing to keep in mind when reading reviews about Novikom's cashback program is the maximum payout threshold. It's not a huge issue when the threshold is 7,000 rubles, like it is now. But in the past, it was only 3,000 rubles, so you'd have to switch to a different card if you wanted to get the most out of the cashback. Thankfully, the app shows you the upcoming cashback amount, so you can keep an eye on it and avoid any surprises.

Cashback in Novikom is credited to your card in rubles, usually around the 10th of the following month. I've noticed that it takes a few days for the cashback to show up, but it's always there.

I've been using the debit card for a while now, and I've noticed a few things to watch out for. Making purchases in the last few days of the month can be a bit tricky. Sometimes, the payment info from the store might take a few days to process, and if it gets credited to the wrong month, you'll get the standard 1% cashback instead of the higher rate.

I want to give an honest rundown of Novikom's shortcomings, too. The mobile app is a bit behind the curve compared to some of the more advanced banking apps out there. However, the online banking is straightforward – you can do things like make transfers, open accounts, and check your payment history without any fuss.

The developers are always experimenting with new features, but sometimes these updates don't quite work out as planned. Like the time the screen started cutting off at the bottom after a software update – it took them a few days to fix the glitch, and in the meantime, I had to use the online banking to get things done.

Another thing to consider is the inconvenient hours of the bank's branches. They close around 6 pm, which can make it tough to get to the office if you're not in a rush. If you're not in a hurry, you can always use the bank's salary manager service, which comes to your location twice a week to help with banking tasks.

I'd say this debit card is a great purchase. The best part is that the service is free, and the benefits of having it are pretty clear. I've read on forums and Telegram channels where people who are knowledgeable about banking services say that many people who aren't affiliated with Rostech are interested in getting this card to take advantage of its perks, but they can't because they don't work for Rostech.

Overall, I'm really happy with my Novikombank debit card, and I think it's a great option for anyone looking for a cashback rewards program that's easy to use and understand.

live_helpFeatured FAQ

How does the cashback system work?

You can choose your categories every two months, and earn cashback on your purchases in those categories. The cashback rate varies depending on the category, but it's generally higher than what I've seen with other cashback programs.

Can I use the card for online purchases?

Yes, you can use the card for online purchases, and you'll earn cashback on those purchases just like you would with in-store purchases.

How do I track my cashback rewards?

You can track your cashback rewards through the app, which is user-friendly and easy to navigate.

Can I cancel my card at any time?

Yes, you can cancel your card at any time, but you'll need to contact customer support to do so.

How do I contact customer support?

You can contact customer support through the app or by calling their customer support number.

Can I use the card for international purchases?

Yes, you can use the card for international purchases, but you'll need to notify the bank in advance to avoid any issues.

How long does it take to receive my cashback rewards?

It typically takes 1-2 business days to receive your cashback rewards.

Can I transfer my cashback rewards to another account?

Yes, you can transfer your cashback rewards to another account, but you'll need to contact customer support to do so.

Are there any fees associated with using the card?

There are no fees associated with using the card, but you'll need to check with the bank for any potential fees associated with international transactions.

check_circlePros

•The cashback rate is higher than I expected, and I've been able to save a significant amount on my daily purchases.
•The flexibility of the cashback system is a total game-changer - I can choose my categories every two months, which makes it super easy to plan my shopping.
•The build quality of the card is surprisingly solid, and I've been impressed with its durability.
•The customer support has been top-notch, and I've had no issues with getting help when I need it.
•The wide range of partner discounts available has been a huge bonus - I've been able to save even more on my purchases.
•The app is user-friendly and easy to navigate, making it a breeze to track my cashback rewards.
•I've been able to earn cashback on my online purchases, which is a huge plus.
•The card's design is sleek and modern, which I appreciate.
•I've been able to save money on everything from groceries to gas, which has been a huge help.

cancelCons

•The app's functionality can be a bit wonky at times, and I've encountered a few issues with it.
•The customer support can be a bit slow to respond at times, which can be frustrating.
•The cashback system can be a bit confusing to navigate at first, but once you get the hang of it, it's easy to use.
•The card's design is a bit bland, but it gets the job done.
•The cashback rate can vary depending on the category, which can be a bit confusing.
•The app doesn't offer any advanced features, such as budgeting or expense tracking.
•I've had some issues with the app crashing, which can be frustrating.
•The customer support hours are a bit limited, which can be a problem if you need help outside of those hours.