Within which, for each purchase made, a cashback from 1 to 10% is returned.
The program applies to the following bank products:
All program products are serviced by the Visa payment system.
By participating in the program, you are guaranteed to receive a refund Money from each transaction in the amount 1% . On the separate categories, such as gas stations, travel and tourism, cafes and restaurants, the amount of remuneration is increased to 3% from the cost of the transaction. And when shopping at partner stores, cashback can reach 10% . Points are awarded for payment utilities and other payments in the Internet bank, as well as if the purchase was made abroad.
The refund is made in points, where 1 point = 1 ruble. The maximum period for accrual of points is 45 days from the date of purchase, although, as a rule, the process takes 4-5 days.
The program currently includes more than 90 partner stores and this list is constantly growing: AliExpress, Booking.com, LaModa, M.Video, Media Markt, OBI, Delivery Club, aviasales.ru, Utkonos, Gett, Mothercare, OneTwoTrip, Parter.ru, LitRes, Adidas and many others. A complete list of partners is available.
On the site in the "Program Benefit" section (polza.homecredit.ru) there is a convenient online calculator for accumulated points.
In addition to the cashback, the owners of the debit "Favor" can receive the following conditions:
How to apply: at a bank branch or by filling out an online application on the website (sections of the card, the “Benefit” program) or in personal account.
The rate is 29.8% per annum when paying for goods and services and 49.9% when withdrawing cash.
You can apply for credit cards from Home Credit:
You don't need any documents other than your passport. Maximum limit- 300 thousand rubles, Grace period up to 51 days.
After filling out the application, the bank immediately issues its decision, then you just need to select the offer you are interested in and pick up the card at the branch. You can activate Home Credit cards at the branch or by phone hotline 8-800-700-800-6 .
You can pay off debt on credit cards from Home Credit:
You can use cashback and monitor its accumulation in your personal account of Home Credit Internet Bank. In the "Benefit" section, the cardholder can send requests for a refund (cashback), find out the balance of points, track transactions and receive information about special offers and promotions.
Home credit is currently releasing quite interesting and profitable credit cards whose popularity is growing day by day. The main attention of potential customers is attracted by the "Credit card with benefit" in the GOLD and PLATINUM categories.
In this review article, we will consider all the features and nuances of these cards, conditions and reviews, and also try to answer the question: “Is it worth issuing a credit card with the benefit of Home Credit?”
The main advantage of the card is that when paying with it in stores and in the Internet bank, you can receive cashback points for this, which can later be exchanged at a 1 to 1 rate for rubles.
Depending on the category of the card, the percentage of cashback also differs. for example. using a GOLD category card, the bank pays 3% cashback for purchases at Cafes and Restaurants, Gas Stations and Travels, and for other purchases, including in the Internet Bank, you can get 1% "porridge".
As for the PLATINUM category card, here the accrual of bonus points is more profitable: for purchases in the categories "Restaurants and cafes", gas stations and Travel you will be credited with 5%, and for other purchases you will receive 1.5 percent.
In addition, for any category of the card, when paying with card partners, you can receive a refund of up to 20%. The current list of partners and conditions for receiving bonuses can be viewed in the Internet bank.
When paying by card in online stores, do not forget to use the cashback service LetyShops, which allows you to additionally receive cashback for purchases on the Internet up to 30%.
To get a credit card with benefit, you must satisfy minimum requirements jar for card design, more precisely:
Of the documents you will need to provide:
Of the pluses, you can immediately highlight what catches your eye - this is increased cashback 3-5 percent in certain categories and from 1 percent for paying for other purchases. But the most interesting thing is that Home Credit gives cashback for paying for goods and services through the Internet bank. This is one of the few banks that "pours porridge" for such operations.
Also, from the advantage of the card, one can single out the fact that The card is pretty easy to get.. That is, the card can be issued only on the basis of a passport and a second document.
The third plus is the possibility of obtaining a card on the day of registration. After leaving an application on the bank's website and receiving an online decision, you can come to the bank branch and get an instant card. An excellent option for those who need a credit card urgently and without references.
As for the cons, here you can highlight fee for annual maintenance , although if you actively use the card, the cost of service is easily beaten off.
In addition, Home Credit Bank is famous for strict phone number requirements when applying for a card or credit. It is mandatory to provide a landline work phone. Although many banks are more loyal to the contacts in the questionnaire.
To apply for a credit card with the benefit of HCF Bank, do it in two ways:
After reading this article and familiarizing yourself with the bank's tariffs, everyone can draw a certain conclusion. Definitely, the card should be issued for those who visit entertainment venues very often, who have a car, and who travel often. On spending in these categories with a card, you can earn quite an impressive cashback. The map will really help you.
Also, this card can be advised to those who quite often pay for goods and services in the Internet bank (housing and communal services, mobile communications and other providers), because no other bank will bonus such operations. And Home Credit does it. And this is a competitive advantage.
Perhaps you have already issued a card or plan to do so, then share your experience and feedback about the card.
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 such operations as cash withdrawals, settlements 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 can be made for the Benefit wages. 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.
in the Russian banking market. A shareware card with cashback, interest on the balance, free replenishment from any card and free cash withdrawal from any ATM.
The Polza card has replaced the Cosmos debit card. They started issuing debit Favor from April 02, 2018, now Kosmos can only be reissued to those who already use it.
The bank already has Gold and Platinum credit cards, now there is a debit Benefit Visa Platinum. At debit benefits most of the conditions of the Cosmos are preserved, but there are also some innovations.
The Cosmos map was popular and profitable card, its feature was the accrual of cashback for services such as utility bills, traffic police fines, taxes, mobile communications. The Favor card has retained the accrual of cashback when paying for these services. Usually banks do not charge cashback for such things, and this is certainly a big plus for the card.
The Benefit Card has the following functions:
It's good that now billing period for all clients of the bank the same: from the 1st to the last day of the month.
Debit card Benefit Home Credit Bank participates in bonus program « Benefit". Points are exchanged for money in the Internet Bank upon request, exchange rate: 1 point = 1 ruble.
Points are not rounded, but are awarded together with kopecks. For example, they spent - 568.48 rubles, they will come - 5.69. In November 2018, the bank changed the conditions for accruing points, now they are rounded up, like most cashback cards: downwards, multiples of 100 rubles are counted.
For example, a purchase for 99 rubles. - 0 points, for 199 rubles. - 1 point.
Points are available for debiting not immediately after purchase, but after a few days. The amount of points that will be awarded soon can be viewed here: Exchange for money —History of savings.
Points are converted into money at any time and in any amount. From July 2, 2018 minimum amount writing off became 100 points. From October 01, 2019, the minimum amount has become 500 points.
For payment utility bills, taxes, fines, mobile communications, cashback is credited, but only if you pay them through the Internet bank, in the section Payments through a template. In the search, you need to find a company - a service provider.
Types of cashback:
Base- bonuses are awarded for all purchases at the rate of 1% . Restriction - no more than 2 thousand points.
Restriction - no more than 3 thousand points.
The “Travel” category that originally existed for the “Benefit” card is no longer there (cashback was 3%). Instead, Home Credit Bank began issuing a premium card with an increased cashback of 5% in the Travel category.
Affiliate cashback- when shopping in retail chains-partners of the bank, an additional cashback is accrued. There is no point limit here.
Please note that it is better to look at the conditions of partner cashback in your personal account by selecting the desired store. In some stores, you can get cashback simply by paying in any store (online or offline) with a Favor card. In some, it is necessary to go to the Benefit's personal account, select the desired partner, click the "Go to the store" button and, of course, pay with the Benefit. Points for affiliate cashback are not awarded immediately, depending on the partner.
There are a lot of retail chains in different categories, partner cashback is especially interesting when paying for large purchases.
Increased cashback- amount of bonuses 2% (+ 1% base cashback) the following categories are available to choose from: home and renovation, pets, leisure and entertainment, health and beauty, clothing and footwear, electronics, children's goods.
You can connect an increased cashback in your account: for 30 days, 90, 180 or a year. Active points are debited for connection:
It is convenient to connect an increased cashback for a month, in the category in which large purchases are coming.
Order a cardHome Credit accrues income on the daily card balance.
You can withdraw cash from the card for free not only at native ATMs, but also at ATMs of foreign banks. Free - first 5 withdrawals per month. For the following cash withdrawals, a fee of 100 rubles is charged.
It is convenient that both in the Internet bank and in the mobile application the number of free withdrawals in the current month is immediately tracked.
If you receive a salary on the Benefits card, then there are no restrictions and commissions on cash withdrawals, but the amount of the transferred salary must be more than 20 thousand rubles per month.
The daily cash withdrawal limit is RUB 500,000.
Card benefit can is free replenish:
Transfer by card number through your personal account to a card of another bank - 1% of the amount, but not less than 100 rubles.
Transfer according to the account details in your personal account - total 10 rubles, regardless of the amount. Salary employees with an income of more than 20 thousand rubles per month - is free.
Card issuance is free. Debit Card Benefit is shareware. Card service fee not charged when one of the following conditions is met:
Otherwise, will be charged commission 99 rub./month.
The conditions for free card maintenance are quite feasible for each client, especially if a salary is transferred to the card.
For SMS notification 59 rubles per month(you can not connect / disconnect). The commission is withdrawn only when making at least one transaction per month. When SMS informing is disabled, messages still arrive after each operation, only they do not reflect the account balance.
Free card services Benefits:
Debit card Benefit can be issued by online application on the official website of the bank. In some cities, the card is delivered free of charge by courier, for example, in Moscow. Where there is no delivery, you will have to come for a card with a passport to the nearest bank branch. The card is personalized, it takes about a week to make.
If you need the card urgently, you can first get an instant unnamed card, and later get a name.
Any questions about the card can be asked in the online chat of the bank or by phone. The Bank sends letters to Polza cardholders explaining how to use it.
Upon receipt of the card, you will also receive explanatory materials and card rates in an easy-to-read form.
The main advantages of the card:
Cons of the card:
Use is one of the best cards on the banking market right now. Write your reviews and impressions about the card Benefit in the comments.
Order a cardEnjoy the shopping!
Nina Polonskaya
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 immediately issues an unnamed card, and you will receive a personalized card 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 late payment 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, address Email, room mobile phone, 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.
