Личный опыт использования кредитной карты Тинькофф All Airlines

Как я пользуюсь кредиткой Тинькофф All Airlines и иногда летаю на самолетах бесплатно

Тинькофф All Airlines в новом кардхолдере

Когда-то в январе 2016 года я активировала свою кредитную карту Тинькофф All Airlines и вот уже 4 года с ней не расстаюсь. Сегодня у нас годовщина, если так можно выразиться. В этой статье я решила подытожить свои впечатления от использования, рассказать, какую выгоду или убытки она мне принесла, а также поделиться советами, которые помогут избежать тех глупостей, которые я совершила себе в убыток.

Небольшая предыстория

Tinkoff All Airlines стала моей первой кредиткой в жизни, до этого я не имела опыта пользования кредитными средствами вообще. Мне было всего 24 года, я только только начинала работать и на заработанные деньги самостоятельно путешествовать. Я не имела представления о том, как сложится моя дальнейшая жизнь, часто ли я буду летать и сколько именно процентов от моего бюджета будут занимать траты на авиабилеты. Сейчас, оглядываясь назад я понимаю, что для меня спонтанное решение оформить эту кредитку стало выгодным. И вот почему.

Структура моих трат за 4 года

Как видите, авиабилеты являются большой частью моих расходов. Про общую сумму молчите, сама в шоке.

На картинке выше мои траты по кредитке (то есть без учета наличности, трат с других карт и трат за границей, для которых я почти не пользуюсь кредиткой). Как видите, самая большая статья расходов все-таки авиабилеты. А ничто не описывает ваш потребительский портрет лучше, чем структура расходов. Я очень много трачу на путешествия, на хорошее питание и на поддержание высокого уровня жизни (одежда, рестораны, всевозможные курсы, торшер из ИКЕИ). Вся выгода, которую я получила обусловлена тем, что я правда много тратила, и если ваши расходы меньше (я вот свои пытаюсь уменьшить, но пока безрезультатно), то и выгода, которую вы получите будет ощутимо меньше.

Сколько я потратила на проценты и годовое обслуживание за 4 года

Годовое обслуживание стоит 1 890 рублей в год. Итого, за 4 года я потратила 7 560 рублей. На проценты, начисленные только по моей глупости я потратила примерно столько же: 7 114 рублей. Все мои затраты на содержание кредитной карты составили 16 872 рубля (а не 14 674, если сложить два числа выше). Почему так много?

Грабли, на которые я наступала

По идее, я должна была ограничиться только тратами на годовое обслуживание, но так как Tinkoff All Airlines была моей первой кредиткой, я часто путалась и платила за что-то, что было мне совершенно не нужно. Например, навязанные услуги. Например, не знаю, как сейчас, но 4 года назад при активации карты автоматически подключались услуги по sms-информированию (примерно 50 рублей в месяц) об операциях и страхованию задолженности. Если первое понятно, то второе просто берет фиксированный процент из задолженности по твоей выписке и якобы страхует тебя (на самом деле банк) от невыплаты. Как только я во всем этом разобралась, сразу же отключила. На этом я потеряла 2 197 рублей.

Вторым моим факапом стали проценты по кредиту. Сначала я не до конца разобралась (на самом деле представитель банка ввел меня в заблуждение, о чем я написала жалобу в банк) как работает беспроцентный период. Я вносила всю сумму задолженности до дня выписки, а не до дня минимального платежа. Разумеется, получала процент. Благо, быстро в этом разобралась и стала вносить всю сумму в срок. Второй же ошибкой стало делать одинаковые пин коды на моей дебетовой и кредитной карте. Иногда я чисто на автомате снимала с кредитки наличные, просто путая карты в кошельке и попадая на огромные проценты. После второго такого случая я сделала пинкоды разными и теперь карты перепутать невозможно. На процентах я потеряла 7 114 рублей.

Моя выгода от использования

С расходами разобрались, а была ли какая-то выгода от всех этих телодвижения? Да, была! Всего за 4 года я заработала около 88 000 миль. Из них я потратила 87 000 миль и обменяла их на 86 282,33 рубля. Сильно больше, чем 16 872 рублей. Пруфы и фотографии самих операций и компенсаций в галерее в конце статьи, чтобы не перегружать текстовую часть. Единственной операции, которой там нет это — моя последняя операция, которую я совершила в ноябре. Примерно месяц назад я компенсировала покупку в 33 000 рублей, а покупала я билеты на Бали на месяц. Готовлюсь к новому путешествию и новому опыту, а так же искренне надеюсь отвлечься там от негативных мыслей на почве развода.

Стоимость билетов Москва — Бали — Москва на март 2020.
Да, лечу не из Питера, так удобнее было.

Советы по использованию от «бывалого»

Немножко советов от Капитана очевидность: тратьте больше и будет вам больше миль. Собственно, это основной совет. Если вы уверены в своих друзьях, платите за всех в ресторане, а они вам потом вернут. если вы еще и ездите в совместные отпуска, то вызывайтесь бронировать авиабилеты и жилье. Я так и делала, но я в своих друзьях уверена на 100%.

Подарочные сертификаты и мили

Отдельно хочется сказать про самую популярную проблему компенсации билетов милями: сумма вашей покупки не кратна 3 000 и получается не так выгодно. Да, сама сталкивалась и не раз. Особенно обидно, когда сумма отличается всего на пару рублей, например 12 007 рублей. Согласитесь, хочется потратить 12 000 миль, а не 15 000.

Так вот, на помощь, но не всегда, приходят подарочные сертификаты у агрегаторов или авиакомпаний. Да, стоимость билетов на разных агрегаторах отличается, иногда очень сильно. Если разница существенная, я таким способом не пользуюсь, но если до 200 рублей, то почему нет. Итак, вот способ:

  • Перед покупкой билетов смотрите на любимом вам агрегаторе (я пользуюсь aviasales) цены на билеты в разных агентствах.
  • Выбираете приглянувшиеся, смотрите уже у них напрямую этот же билет.
  • Так же смотрите, есть ли у них подарочные сертификаты.
  • Например, у OneTwoTrip такие сертификаты есть, причем на любую сумму.
  • Если все хорошо, покупаете сертификат на сумму, кратную 3000.
  • Делаете покупку билета с использованием сертификата (т.е. доплачиваете разницу).
  • Возвращаете сумму сертификата милями (моя покупка на картинке выше на 33 000 как раз сертификат).
Мой подарочный сертификат, который я сразу же потратила на билет на Бали.

Мой билет на Бали я купила ровно таким способом. Правда пока я этим занималась, билет немного подешевел, и у меня на сертификате еще и осталось несколько сотен рублей.

Тут суммы странные, они потом пересчитали, но главное, что ИТОГО 0 РУБЛЕЙ.

Тут важно, чтобы сертификаты проходили как авиабилеты. Я знаю, что так можно у OneTwoTrip и на сайте Аэрофлот, другими пока не доводилось пользоваться.

Пользуюсь ли я еще чем-то

Разумеется, программа лояльности All Airlines, хоть и очень хорошая, но не единственная в моем арсенале постоянного путешественника. Если абстрагироваться от РЖД-бонус, которой я тоже пользуюсь и очень ее люблю, а смотреть только на полетные программы, то я пользуюсь Аэрофлот Бонус и SAS Eurobonus. Так как они узкоспециализированные, то выгода там не такая ощутимая, но бывает.

В Аэрофлоте я покупала билеты за мили на Новый год, когда обычная цена очень высокая, про РЖД я вообще молчу, сколько раз я ездила поездом почти бесплатно, а вот с SAS Eurobonus накопить пока ни на что не удалось, уж очень редко я летаю их альянсом, но периодически все-таки летаю. Например, в Португалию мы летали авиакомпанией TAP Portugal, которая является партнером SAS.

Мои выводы

Я считаю, что с карточкой мне однозначно повезло. Да, поначалу я глупила, попадала на проценты и часто путалась, но даже с учетом этого, я сэкономила на авиабилетах достаточно приличную сумму —69 410.33 (86 282.33 — 16 872), сравнимую со стоимостью целого путешествия. Пользоваться ей или нет надо решать самостоятельно, ведь мы очень разные в плане оборотов и структуры расходов. Но я с чистой совестью могу эту карточку порекомендовать, ведь как видите, получила от ее использования много положительных эмоций.

Ссылка на оформление, если хотите так же.

Галерея пруфов

Здесь я сделала скриншоты операций покупок и компенсаций этих покупок милями, чтобы не быть голословной. Все скриншоты из моего интернет-банка.

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