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Cashback

Svodly keeps a reference of cashback rules for your cards — so that before you pay, you can quickly tell which card is better to use. It's a memo, not an automatic tally of accrued rewards.

Svodly.ru
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The “Cashback” screen on desktop: a reference of rules by card — which card is better to pay with in each category.
The “Cashback” screen in the mobile app: rules by card — which card is better to pay with in each category.

Add a rule

  1. Open Cashback and tap Add cashback at the bottom of the card's block — the card is filled in for you. The same form without a card opens from New cashback in the header (on the phone — Add cashback under the list).
  2. Choose the card (account) the cashback applies to.
  3. Pick what the rule is bound to: a category (for example “Groceries”, “Taxi”, “Fuel”), a counterparty (a specific store or service) or “All purchases” — the card’s base rate the bank pays on everything else. Enter the percentage.
  4. Optionally — a validity period and an accrual cap. For “All purchases” the period defaults to “Permanent”.
The binding type is chosen once: on a saved rule the “Category · Counterparty · All purchases” switch is locked. Changed your mind — delete the rule and create a new one. The percentage, the period and the cap can be edited at any time.
On the computer it is the same form: “New cashback” in the Cashback header or “Add cashback” in a card’s block.
Десктоп
On the phone: Cashback → “Add cashback” under “Credit card” → “Category” → “Pharmacy” → a 3% rate → “This month” → “Monthly limit” 500 ₽ → “Add”: the “Pharmacy · limit 500 ₽ · 3%” row appears in the card.
A new rule on the “Main card”: the “All purchases” binding removes the target picker and explains that the base rate is overridden by a category rule; the period sets itself to “Permanent”. After “Add”, the “All purchases · permanent · 1%” row joins the card.
A saved rule on the phone: the “Category · Counterparty · All purchases” segment with the unavailable options dimmed — tapping them changes nothing, and the line below says why. The percentage, the “Permanent” period and the monthly cap follow.

How to use it

Before a large purchase, look in the section and check which card has the higher percentage in the category you need. For example, “Groceries — 5% on the main card, 1% on the credit card” — it's better to pay with the main one.

The “All purchases” base rate means “everything else”: a category or counterparty rule on the same card overrides it rather than adding to it. So a card with 1% on everything and 5% on groceries earns 5% on groceries, not 6%. Svodly does not calculate accruals — it is a reminder of which card to pay with.

On mobile — a widget and a reminder

The mobile app has a “Cashback” home-screen widget: rates by card — a section per card, one rate per line — and how many days are left until the rates reset on the 1st. A tap opens this screen. How to add the widget is covered in Phone widgets. The phone also sends a monthly reminder to review your categories (banks often change their terms). On desktop and the web there's no widget or push — that's a mobile-platform feature.

Where to go next