
Cashback by Raif
Pay more — get more and withdraw cashback to your card.
- Select 2 categories from the bank
- Receive cashback for payments in categories
- Collect up to 500 UAH monthly
- Earn cashback even when you're abroad
Collect cashback in the MyRaif app




Key conditions of cashback by Raif
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Cards in UAH
Cashback is earned for payments with debit and credit cards in UAH. Exceptions are FUN and Exclusive cards.

Up to 500 UAH monthly
Maximum cashback in categories from the bank is 500 ₴ per month. Collected money remains on balance indefinitely.

Withdraw from 100 ₴
Minimum withdrawal amount is 100 ₴. Money can be withdrawn to any bank card. Withdrawals is unlimited.
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Ukraine and abroad
Cashback is earned for payments in Ukraine and abroad.

Taxes
Withdrawal amount is subject to 18% income tax and 5% military duty.
How to collect cashback
Select new categories every month in the MyRaif app


Open MyRaif and go to Cashback service.

Select 2 categories from bank for the current month.



Pay for goods and services in selected categories and earn cashback with Raif cards.

Withdraw cashback from 100 UAH to any of your Raif accounts.

Download MyRaif and collect your cashback today!




A WARNING TO PI CUSTOMERS when using the service of card account opening and maintaining with a debit payment card
The service of the card account opening with a debit payment card (hereinafter – “bank service”) is provided by Raiffeisen Bank JSC (hereinafter – Bank) to PI customers based on the Bank Service Agreement.
The Bank Service Agreement (hereinafter – Agreement) is an agreement of accession (article 634 of the Civil Code of Ukraine) and consists of a public proposal, the statement of acceptance of the public proposal/agreement, the Bank Service Rules for Private Individuals in Raiffeisen Bank JSC, the Bank’s tariffs and the application for a card account opening and maintenance.
In the event of non-performance or improper performance of the obligations under the Agreement by the customer, the customer shall be liable according to the law of Ukraine, as well as the terms and conditions of the Agreement.
The possible consequences for a customer in the event of the use of the bank service or non-performance of the obligation under the Agreement on providing such bank service are stipulated by Article 1, Section 9 of the Bank service rules for private individuals.
The Bank is prohibited to demand that the customer should purchase any goods or services from the Bank or its related person as a mandatory condition for the bank service provision (except for the provision of a bank service package).
The Bank has no right to amend the application for opening and maintaining a card account concluded with the customer unilaterally, unless otherwise stipulated by the Agreement or the law.
The Customer may refuse to receive advertisement materials by means of remote communication channels.
Useful information
Cashback by Raif is credited in UAH for card payments in selected categories. Cashback is rounded to the nearest hundredth. The program is valid for payments by debit and credit cards in Ukraine (except for uncontrolled territories) and abroad.
Not valid for Exclusive, FUN-card and business cards.
Minimum withdrawal amount is 100 UAH. Cashback can be withdrawn to any Raiffeisen card, without any restrictions on the number of withdrawals. A 23% tax is withheld from the withdrawal amount and is paid automatically when the cashback is credited.
Maximum cashback amount by category is 500 UAH per month. However, you can keep an unlimited amount on your cashback balance.
Maximum cashback amount for personal offers or promotions may differ. In this case, it will be specified in the terms of the promotion/personal offer and added to the cashback by category.
Yes. The bank can cancel cashback in several cases:
- if you close the card and have no other bank products,
- if there is an overdue debt,
- if there are no transactions on Raif accounts for 6 months.
All bank cards participate in the cashback program, except for Exclusive, FUN-card and cards for entrepreneurial activities.
Regardless of cards number, the maximum cashback amount is 500 UAH monthly.
If you return the product, the cashback will be canceled.
Cashback may not be credited if the store uses different terminals with different MCC codes. For example, one cash register may conduct a transaction with one MCC, while another assigns a different code. Then not all transactions may be taken into account for cashback. It may also happen that the MCC code was assigned incorrectly when setting up the terminal.
The MCC code, like the category, does not depend on the type of product you buy. In large hypermarkets that sell household appliances, food, or everything for repairs, the main categories are often “Household appliances” or “All for home”. Raiffeisen Bank cannot change these codes.