Tvoy Raschet

Cashback: what it is

A part of the money you spent that a bank or shop returns to you after a purchase — in rubles to your account or as points. Usually 1–5%, more for some categories.

In Russian: Кешбэк·Keshbek

Banks, deposits and payments Checked by the editorial team Checked: September 2026
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In Russia, Kazakhstan and Belarus

Russia

Cashback under banks' loyalty programs is, as a rule, not subject to personal income tax (НДФЛ, NDFL), unless it is payment for work or services (clause 68 of Art. 217 of the Tax Code). The terms — categories, monthly limit, crediting periods — change; check them in your card's tariffs.

Kazakhstan

In Kazakhstan, cashback and bonuses on cards are also common; each bank sets its own terms.

Belarus

In Belarus, banks pay cashback on cards on their own terms, usually with a monthly limit.

This information is for reference only and does not constitute financial, tax or legal advice. Prepared by our editorial team, last checked: September 2026. Found an error? Write to us.

Related terms

Debit cardA bank card you use to spend only your own money from your account. Unlike a credit card, it does not let you borrow from the bank (apart from a rare technical overdraft).Credit cardA bank card that lets you pay with the bank's money up to a credit limit. If you repay within the grace period, no interest is charged; otherwise the rate is usually higher than on an ordinary loan.Mir cardRussia's national payment card. It works throughout Russia regardless of international card systems; pensions, benefits and other payments from the state budget must be paid to it.Credit card grace periodThe time during which the bank charges no interest on credit card purchases, provided you repay the debt in full before it ends. Usually 50–120 days.

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