The Use of Home Credit card has been available to customers since April 2018. She replaced , so the terms of use of the two banking products practically do not differ.
Debit card Benefit Home Credit (issue) belongs to the category of platinum, is issued for five years. To interest in new plastic, are offered favorable rates Use Home Credit cards and good interest on the balance. But the main advantage is cashback on the Benefit card. It is up to 10% when making purchases in partner retail chains.
The Home Credit Bank card is issued and serviced for the first month after receipt free of charge. No need to pay for the reissue of plastic due to the expiration of the validity period.
If the owner fulfills two simple conditions of the Benefit from Home Credit card for purchases of at least 5 thousand rubles per calendar month or daily maintenance of a balance of 10 thousand rubles, then the service fee is not charged. In case of lower costs or not saving ten thousand in the account, it is necessary to pay 99 rubles per month as a mandatory fee.
Cardholders Benefit Bank Home Credit has the right to withdraw cash from ATMs of other banks without paying a commission. You can do up to 5 such operations per month. For the rest, you will have to pay the prescribed percentage of 100 rubles.
Maximum interest rate for plastic Home Credit is seven percent if your daily balance in your account is up to three hundred thousand rubles. You can count on this amount of premium when making at least 5 purchases per month.
If there are fewer payment transactions, you will not be left without charges. Only their size will be equal to 5%. With an amount of more than 300,000 rubles, you can count on only 3%.
The condition is met simply, because purchases from Home Credit plastic are considered not only the purchase of goods, but also the payment for services rendered: mobile communications, the Internet, housing and communal payments, repayment of insurance, fines, taxes and others.
Interest on the Home Credit Benefit card is calculated for a calendar month. Please note that payments take 2 to 4 days. Therefore, purchases should not be postponed for the last days of the current month.
One more nuance: it will not count as calculations using. For such operations, you can only count on cashback on the card.
Map Benefit Home Credit Bank is automatically linked to a user rewards program called Benefit. In accordance with it, each cardholder receives incentives for making purchases and paying bills. Benefit card bonuses depend on the purpose of payment:
Home Credit Card Partners The benefits are the same as those of the popular one. The list of partner stores pleases with familiar, well-known brands, brand names and cashback:
The maximum monthly number of points for each section is different:
A promotion from Home Credit is offered for cashback accruals in case of paying for purchases in partner stores, if the transition was made from your personal account, and payment was made by card. In this case, you get an unlimited number of bonuses.
It is impossible to receive pleasant deductions for operations such as cash withdrawals, payments for playing in a casino or for lottery tickets, making transfers or replenishing an electronic wallet through a Home Credit card.
You can track the accrual of points from your personal account at any time, even while abroad. The balance change occurs at the end of each day. The course is favorable, it is 1 ruble for 1 point. They must be used within the current calendar year. Otherwise, a write-off will be carried out.
At the request of the owner, a transfer of wages can be issued for the Benefit. To do this, you should write an application for connecting the service at Home Credit Bank, and from next month become a privileged owner.
What are the benefits:
HKB bank has got New Product. They released from bioplastic, which decomposes and does not harm the world around.
The Benefit HKB card in 2018 is popular. The owners forum is full of enthusiastic feedback about the usability of the Benefit.
A review of messages allows us to conclude that Home Credit customers are impressed by a significant number of free transactions.
It is somewhat inconvenient. Comparing the Polza and Tinkoff cards, the owners note that Tinkoff cards replenished at any terminal or in communication salons. And the Home Credit card (Hamster in a simple way) - only in its own branches or terminals.
Positive reviews about the card Benefits of Home Credit relate to excellent opportunity receive cashback not only from partner networks, but also from all purchases, payment for services.
User reviews about the debit card Benefits of Home Credit are a clear confirmation of the relevance of the emergence of a new banking product.
Additionally, watch the video presentation about the Benefits of Home Credit:
We also invite you to watch a video about the Benefit card from its owner. Nadezhda will talk about plastic buns and how to get them.
Do you travel often? Do you shop online most of the time? Do you often go to a cafe or restaurant for lunch? Beneficial card Benefits of Home Credit advantages and disadvantages, read below.
Limit: up to 300,000 rubles
Interest free period: 0% up to 51 days
Valid in ANY store
Cashback:
10% refund for purchases in online stores (1 point = 1 ruble)
5% refund for purchases in the category "Cafes and restaurants", "Gas stations", "Travel"
1.5% refund for card purchases and internet bank payments
10% cashback for purchases of clothes and shoes
6% per annum on the balance
Payment utilities, mobile and Internet from the card account
Citizens of the Russian Federation from 23 to 64 years old (permanent work)
1) access to tickets of any airlines, at any time and to any place
2) points for the goods you need in any stores
3) you choose how many points you want to spend (1 point = 1 ruble)
4) up to 10% for each purchase in partner online stores
5) 5% when refueling a car, paying in cafes and restaurants, traveling.
6) 1.5% for any purchase with a card and payments in the Internet Bank
7) receiving a card without certificates on the day of registration, according to a passport and additional. document (passport, SNILS, driver's license)
Important!
When issuing a card, check that you do not have additional paid services connected to this card:
— card insurance (0.9% of debt for billing period)
- notifications by mail once a month (29 rubles)
- SMS - notifications (59 rubles)
- bank tellers
— cash-in ATMs
- debit card of any bank
- translation using free service from LLC NPO "Rapida" www.loanrepayment.mastercard.ru (loan payment must be made to the number bank account your card Benefit, not on the card number); Cards of the international payment system MasterCard / Maestro are used. (1% of the payment amount, at least 25 rubles, minimum commission for amounts of 2500 rubles)
For example, you spend 30,000 rubles per month
Of them:
4500 rub. — travel (225 points) cashback = 5%
2300 rubles - at gas stations (120 points) cashback = 5%
3000 rubles - cafes and restaurants (150 points) cashback = 5%
3000 rubles - online shopping (300 points) cashback = 10%
11,100 rubles - groceries, etc. Daily needs of housing and communal services, the Internet, etc. (167 points) cashback = 1.5%
962 points or rubles returned per month, 11544 points or rubles per year, and 1 point = 1 ruble.
And these points or rubles can be exchanged for any purchases without restrictions. To do this, on the "Benefit" page, select any purchase in the Internet Bank and click "Return". Points are valid for one year and then expire. If you return an item, points will be deducted from your purchase.
Basic— are charged for purchases in all categories trade and service enterprises, except for the categories "Cafes and restaurants", "Gas stations", "Travel" (the maximum number of accrued points is 2000 per month).
promotional— accrued in accordance with the terms of the Shares placed at www.polza.homecredit.ru
Points for purchases in individual categories- are charged for purchases in the categories "Cafes and restaurants", "Gas stations", "Travel", while the belonging of trade and service enterprises to the specified categories according to the MCC code (Merchant Category Code) in accordance with the classification international system Visa (maximum number of accrued points 3000 per month).
Detailed description of additional points in online stores www.polza.homecredit.ru/LegalInformation/Conditions
Tickets and travel
(Ostrovok.ru; Booking.com; Aviasales.ru; One two trip; travelata.ru; UFS travel; tutu.ru)
Engineering and electronics
(Mvideo;Oldi;www.123.ru;GearBest;Just.ru;MediaMarkt;glueskin;technopark;citylink;madrobots.ru;svyaznoy; samsung; Redmond; inspector gad jets, etc.)
Clothing and footwear
(Aliexpress; Kari; yours; vsemaykiru; finn flare; Henderson; La Redoute; Tom Tailor; Reebook; Ostin; Lamoda; Kypivip.ru; Quelle; Otto; Roxy)
Books
(Republic; LitRes; Read the city)
Sports and recreation
(Sport master; Nike; Kant; American tourister; Adidas; New balance)
gas station
(neste; eka)
Perfumes and cosmetics
(Rive Gauche; Letoile; Ile de Beaute; Sangui; The body shop; Tichy; Yves Roches; LOccitane)
Decorations
(585 Gold; All time.ru)
Children's products
(Ship; Daughters - Sons; Obstetrics; Mothercare; MyToys; Toy.ru; Acoola; Mamsy)
Products
(Bread stories; Platypus; Perekrestok Express; Seven+I)
Cafes and restaurants
(Delivery Club; TGI Fridays; Verde Cafe)
Flowers, gifts
(P.S.Box; Red cube; flowwow; Mosvettorg)
Pharmacies
(LenOblPharm; Stolichki; My Pharmacy)
Transport
(gett)
Insurance
(Ingosstrakh)
For more details see www.polza.homecredit.ru/#allpartners
As well as personal offers in internet banking.
P.S. When buying goods in online stores using this card, use the cashback service letyshops.com to get an additional cashback up to 30% to a bank card or phone account (1210 stores), and also do not forget when shopping online, be sure to first go to the page online shopping, and then to the website of the online store you need by entering your 13-digit number of the “Benefit” participant in the designated field.
It's important to know!
- for purchases lottery tickets, valuable papers, drag. metals
— making purchases in a casino and other establishments
— for cash withdrawal and transfer of funds
- transactions not related to goods and services
The Benefit program can be disabled, but it cannot be re-enabled.
Citizen of the Russian Federation
Age from 21 to 64 years
Actual residence in the region where the card was issued
At least 3 months of work experience in the last job
Fixed work number, mobile number and home
The maximum limit is 300,000 rubles
The minimum limit is 50,000 rubles
Annual maintenance - 4990 rubles (more than pays off with points with active use)
Cash withdrawal - 4.9%, minimum 399 rubles
Interest rate - 29.9%
Interest-free period — 51 days
Sum minimum payment 5% of the debt and accrued interest for the previous billing period (minimum payment of at least 1000 rubles)
Negotiate the date of the settlement period convenient for you with the bank employees in order not to pay interest for the use of money (billing period 1 calendar month + 20 days) to pay the minimum payment or all debt for the settlement period
If you travel often and you have a car and you often visit cafes and restaurants, pay for goods and services in the Internet bank (cellular communication, Internet, housing and communal services, etc.), then this card is for you!
To apply for a card, click More” and you will be redirected to the official website to fill out the questionnaire.
One of the leaders in the commercial banking industry, Home Credit, presented a card with a cashback of up to 10% and interest on the balance. Is it true? Who benefits from registration, and who does not? Let us consider in detail whether it is necessary to draw up a card and what is needed for this.
Home Credit Bank provides new lucrative offers, including the Benefit card. Let's start the review of the map with the positioning of the bank itself - the "map of maximum opportunities". Indeed, this plastic allows the owner to use a convenient payment system and earn. The bank will charge the owner up to 10% of the account balance, 3% of the check in a cafe, restaurant or gas station, 1% of other purchases.
To get a card, you need. There you select the type of card - Gold or Platinum, then fill in the required data, including:
Previously, only regular customers of the bank could use the program, today everyone has the opportunity. You can issue a debit or credit card (a similar opportunity is provided for). In the latter case, additional data, such as a social network account or income statements, will increase the limit provided. After filling out the application, a bank employee will call the client, clarify personal information and tell about further actions.
Primary data processing takes no more than 30 minutes. The operator will tell you about the preliminary decision on credit plastic or inform you about the place and time of receiving the debit "purse". We will talk about the terms of service of each type further.
After you can pick up ready map in an office convenient for you. Branches can be viewed on the bank's website.
How much money is refunded for purchases with a debit card Benefits:
The maximum monthly accrual is no more than 2,000 rubles for the purchase of all goods and no more than 3,000 rubles. at the expense of gas stations, restaurants. Additional will be charged annual interest, it depends on the amount of the balance on the card. If the amount is less than 300 thousand rubles, and more than 5 purchases are made, then the charges are 7%. If purchases are less than 5, then 5%. If the amount of the balance is more than 300 thousand rubles, then the accumulation for the excess amount is 3%.
Issuing plastic is free, a one-time amount for annual maintenance not charged. A debit card may have additional costs, which are presented in the form of a table:
For clients receiving wages on the card (over 20,000), there are preferential terms, no commission is charged for cash withdrawals from ATMs of other banks or for transfers to another bank account.
A credit card differs from a debit accumulator in that in this case, the bank provides you with funds that will then need to be paid back. When filling out the questionnaire, you must select the type of card: Gold or Platinum. It depends on the percentage of cashback that you will receive. Let's represent it in the form of the following table:
The contract specifies the terms and conditions of the return. The Benefit Card from Home Credit is considered one of the most advantageous lending offers. To apply, you must complete an online application. On the day of application, a final decision is made on confirming the loan and the amount. The borrower has several requirements:
This is a list of mandatory requirements, enlarge credit limit may be the following factors:
During a visit to the office of the company, you must have a passport and 2 documents with you, it can be:
Copies of documents are sent to the operator for verification, after which the final decision will come. It takes no more than 40 minutes to accept. After the loan is approved, the borrower receives an instant issue card. The approved amount will already be on it, in a week it will be necessary to contact the same bank branch to pick up a nominal payment.
The card is in many ways more profitable than its competitors. However, there is one important condition: credit card the Benefit program is connected. For this, the bank takes 990 rubles. with the gold type of plastic and 4990 with platinum. Other terms of service are shown in the table:
| Criterion | Gold | Platinum |
|---|---|---|
| Limit | Up to 300,000 rubles. | Up to 300,000 rubles. |
| Interest rate | 33.9% per annum (49.9% if using cash) | 29.9% (49.9% if using cash) |
| Interest free period | 51 days | 51 days |
| Minimum monthly payment | 7% off credit debt, but not less than 1000 rubles. | 5% of the loan debt, but not less than 1000 rubles. |
| Daily cash withdrawal limit at ATM | 10000 rub. for cards with 44609805 and 30 thousand rubles in the number. for other cards | 10000 rub. for cards with 44609805 and 50 thousand rubles in the number. for other cards |
| Daily cash withdrawal limit at the cash desk | 30000 rub. for cards that start with 44609805 and 100 thousand rubles. for other cards | |
| Interest on cash withdrawal | 4.9% of the amount of funds, but not less than 399 rubles | |
| SMS notifications | 59 rub. | 59 rub. |
| Second and subsequent reissue of the card | 200 rub. | 200 rub. |
In the future, the borrower can return funds to the card in a convenient way:
The advantages of a credit card from Home Credit are the ability to replenish with your own funds, that is, you can use it like a debit card, if necessary, spend bank funds and return it in an interest-free period.
Whichever card you choose, the Benefit program will allow you to receive significant bonuses. Let's talk about them in more detail.
This is a loyalty program that allows members to return part of the money spent. At the same time, unlike other banks, Home Credit accrues cashback even for ordinary, household bills, including payment for housing services, mobile communications, payment of fines and taxes. Bonuses are not subject to:
The remaining bonuses are divided into three types:
Before issuing a Benefit card, you can where there is a benefit calculator. Enter the approximate amounts that you spend on purchases, after which the system will calculate the bonuses. One bonus is equal to 1 ruble.
Calculate cashback for gold cards with specific spending conditions. Monthly expenses - 30,000 rubles, of which 5,000 rubles. for gasoline, 5000 rubles. for online purchases, 4000 rubles. to pay bills in restaurants and 16,000 rubles. for daily expenses, grocery shopping. In this scenario, the monthly return will be 930 rubles, the amount will reach 11,160 rubles per year. With a Platinum card, the same expenses will bring 1,190 rubles a month. and 14280 rubles. in year.
Points are accumulated on a separate account, which can be managed using your personal account or mobile application. The average time of receipt is 5-15 days from the date of purchase, the maximum period for accruing points is 45 days.
It is profitable to make online purchases from bank partners, for them you can get up to 30% cashback. In your personal account there are personal offers that will be constantly updated. The minimum rates that partner stores have are stable, the most profitable ones are presented in the table:
Also note that it is from 3.5% of the amount spent. There is only one exception, only the Clothing and Footwear categories participate in the program. However, there are often additional shares, increasing the profit for purchases in the largest online market.
1 point corresponds to 1 ruble. After receiving a card with the Favor loyalty program, the client also receives a bonus account, where cashbacks will come. Management is through Personal Area, in which you need to log in. Login is carried out through the company's website from a personal computer or mobile phone.
Points can be used for instant top-ups mobile account or refunds for purchases. It turns out that a significant difference between the Home Credit program is that you do not pay for new purchases with points, but return money for old ones.
In your personal account, find the list of transactions, select the one you need, indicate the amount you want to return and confirm the operation. You can get a refund of part of the funds or the full cost of the goods (if there are enough points). You can also get your money back utility bills. The average interest payment time is 2 weeks.
Bonus spending is unavailable in three cases:
For one request, the client can convert no more than 100,000 points into rubles. Bonuses are spent first with early term action, it is 12 months. Points not redeemed during this period will expire and cannot be recovered.
The scheme for receiving bonuses is clear: make purchases, get points, which you then convert into rubles. In order to make the mechanism even more transparent, let's pay attention to some nuances:
Members of the "Benefit" program need a personal account to manage bonuses, as well as to receive personal offers. It displays not only the conditions for cashback from partner stores, but also individual rates.
For authorization in your personal account, you will need the mobile phone number to which it is linked. bank card. Here you will see the entire history of purchases, accrual and deduction of bonuses. The expiration date of the points is also displayed, the system informs that some of the bonuses will soon expire. Note that you can only convert points from your personal account, there is no such function in the mobile application yet.
Many questions arise already in the process of using the card, we will try to answer the most popular ones.
Made a purchase and still haven't earned points?
This is normal, bonuses do not come immediately. In some cases, the return period can be up to 45 days. Pay attention to the conditions of the promotions given by the site. Also in your personal account you can see the term for crediting bonuses from partners. If after 45 days the points have not arrived, contact the bank through the "Feedback" or call hotline.
How to check your balance, find out the history of operations?
Statement for bonus account can be viewed in your personal account through the Internet bank, by phone or in person at a branch of the company.
Can I use points to pay off a loan?
It is impossible to pay a loan payment directly with bonuses, however, points can be converted into rubles by returning money for other purchases. You can dispose of them as you wish. Please also note that bonuses cannot be exchanged for points from other bonus programs.
Where to create a personal account, why is it needed?
Users of the Benefit program need a personal account to manage points, exchange them, track receipts and write-offs. This is where personal offers will appear. You can connect your personal account at the company's office or by calling the contact center number.
If you forget the login combination, you will have to contact the office again with documents, since only you know the password. There you will be given a new one-time code, which you will change after the first login.
Benefit card - profitable proposition for all. There are no restrictions on minimum spending, card maintenance is no more than 99 rubles. per month, that is, 1200 rubles. in year. Active users will save a similar amount per month. It is especially beneficial to pay with a card when buying air and railway tickets, paying for services at gas stations and goods in online stores.
Since there are limits on the number of monthly bonuses, we recommend that you first pay for large purchases that fall under special and promotional categories of bonuses.
There are several main advantages of the program compared to its competitors:
The very popular "Khomyakov" Cosmos credit card was replaced by a novelty called the Benefit card from Home Credit Bank. Conditions have changed insignificantly, but this is a new product. On the network, the map is widely discussed and openly compared with. In this review, we will go through the conditions and pitfalls in as much detail as possible and compare it with the popular product of Mr. Tinkov.
Benefits from Home Credit Bank are issued in both debit and credit denominations on payment system Visa linked only to a ruble account. We draw your attention to the fact that the Hamster has a loyalty program called Benefit, i.е. reward system. The bank also called its new product the same type - so on this basis there is often a little confusion.
Home Credit Bank instantly issues unnamed card, and you will receive a personalized one only after 7 days. The card is not activated, you will have to deal with this issue yourself. So let's go through the terms.
Free replenishment of the account from cards of other banks is available on the Internet and mobile banking. C2C limit 300 thousand per month, but not more than 150 thousand at a time.
NOTE! Home Credit is one of the few banks that considers the payment of bills for mobile communications, the Internet, utility bills, taxes in favor of the state, fines, etc. shopping. Those. in order to cross the threshold of 5 purchases, in principle, you don’t have to go to the store - it’s enough to pay for the phone, internet and utility bills, and one of the bills can be paid not in one go, but in three. For example, Beeline billed you for 500 rubles - break it down into 100 rubles. + 100 rubles + 300 rubles - here are three purchases for you.
As for remuneration, here Home Credit offered fairly average conditions for the market:
| Parameter | Benefits of Gold | Benefits of Platinum |
|---|---|---|
| Release | Is free | Is free |
| Service | 990 rubles / year (first year free) | 4990 rubles / year |
| Interest rate for payment for purchases and services | 29.8% per annum | 29.8% per annum |
| Interest rate for cash withdrawal | 49.9% per annum | 49.9% per annum |
| grace period | up to 51 days | up to 51 days |
| SMS informing | 99 rubles / month | 59 rubles / month |
| Minimum payment | 5% of the debt, at least 1000 rubles | |
| Basic cashback | 1% | 1,5% |
| Cashback by categories Cafes and restaurants, gas stations and Travel | 3% | 5% |
| The maximum number of points in the basic categories | 2000 | 2000 |
| The maximum number of points for the categories Cafes and restaurants, gas stations and Travelest | 3000 | 3000 |
| Cash withdrawal | 4.9%, minimum 399 rubles | 4.9%, minimum 399 rubles |
| Credit limit | From 10,000 to 300,000 rubles | From 50,000 to 300,000 rubles |
As you can see from the table, Gold and Platinum differ in service fees, SMS notifications and cashback percentage. It is difficult to say whether it is worth choosing a Platinum Benefit card and paying almost 5 thousand rubles a year for the sake of an additional 0.5% for purchases in basic categories and 2% for purchases in advanced categories. There are no other extras for this credit card.
REMINDER! The minimum payment must be made within 20 days after the end of the billing period. The minimum payment includes: 5% of the debt + interest for the current billing period + insurance (if any) + commissions and forfeit (if any).
For delay in payment of the minimum payment, the bank charges 0.055% per day (but not more than 20% per annum) of the amount of overdue debt. For the delay in fulfilling the claim, the bank charges 0.1% per day of the amount of the overdue debt.
To apply for a credit card, you must meet three conditions:
An application for a Benefit card from Home Credit Bank can be filled out directly on the official website. You must enter initials, email address, mobile phone number, date of birth and passport details. The bank promises to respond to your application almost online and contact you within 30 minutes.
There are users who complain about the quality of HKB support, few issues are resolved, and activating the Benefit card from Home Credit Bank is generally difficult. Maybe! But such cases are rare.
The bank itself offers very convenient options, for this you don’t even have to register (but you will have to do this in the future):
The last method is not recommended to use - it is really the most inconvenient, but if you personally receive a card from a bank, then you should try it. If a courier delivered it to you, it is wise to use remote options.
