The Benefit card from Home Credit has been available to customers since April 2018. It replaced , so the conditions for using the two banking products are practically the same.

The Benefit Home Credit debit card (issue) belongs to the platinum category and is issued for five years. To get people interested in the new plastic, they offer favorable rates for the Benefit Home Credit card and a good interest rate on the balance. But the main advantage is cashback on the Polza card. It is up to 10% when making purchases in partner retail networks.

The Benefit Home Credit Bank card is issued and serviced for the first month after receipt free of charge. There is no need to pay for re-issue of plastic due to expiration.

If the owner fulfills two simple conditions of the Benefit from Home Credit card for purchases worth at least 5 thousand rubles per calendar month or daily maintenance of a balance of 10 thousand rubles or more, then no service fee is charged. In case of lower expenses or not saving ten thousand in the account, you must pay 99 rubles per month as a mandatory fee.

Owners of the Benefit Bank Home Credit card have the right to withdraw cash from ATMs of other banks without paying commissions. Up to 5 such operations can be performed in a month. For the rest you will have to pay the required interest of 100 rubles.

How is interest calculated on the card? Benefits

The maximum interest rate on Home Credit plastic is seven percent if your daily account balance is up to three hundred thousand rubles. You can count on this bonus amount when making at least 5 purchases per month.

If there are fewer payment transactions performed, you will not be left without charges. Only their size will be equal to 5%. If the amount is more than 300,000 rubles, you can only count on 3%.

The condition is fulfilled simply, because purchases from Home Credit plastic include not only the purchase of goods, but also payment for services rendered: mobile communications, Internet, housing and utility bills, repayment of insurance, fines, taxes and others.

Interest is accrued on the Benefit Home Credit card for a calendar month. Please note that payments take from 2 to 4 days. Therefore, you should not postpone purchases until the last days of the current month.

One more nuance: making calculations using . For such transactions you can only count on cashback on the card.

How to get bonuses on the card Benefits

The Home Credit Bank Benefit card 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:

• paid for dinner in a cafe, restaurant, gas station at a gas station, bought a trip - get 3%;
• if you used payment terminals to purchase the necessary goods, partners of the Benefit Home Credit Bank card will return up to 10%;
• If you go to any store and pay for your purchase with a card, you can count on 1%.

Partners Home Credit Card The benefits are the same as the popular one. The list of partner stores pleases with familiar, well-known brands, brand names and cashback:

• liters - 21%.
• Adidas - 11%.
• Reebok - 11%.
• "Kari" - 10%.
• "Lamoda" - 6%.
• Aliexpress - 7%.
• “One Two Trip” - 6%.
• "SportMaster" - 5%.
• Booking.com - 9%.
• "M-video" - 3%.
• "Boat" - 4%.
• "Know-How" - 4%.
• "Mothercare" - 11%.
• "OBI" - 7%.

The maximum monthly number of points for each section is different:

• in the categories “cafes, restaurants”, “gas stations”, “travel” - up to 3000 bonuses;
• for purchases in other stores - the limit is two thousand.

A promotion is offered from Home Credit for cashback accruals in case of payments for purchases in partner stores, if the transfer was made from your personal account, and payment was made by card. In this case, you receive an unlimited number of bonuses.

You cannot receive pleasant deductions for such operations as withdrawing cash, paying for a game in a casino or for lottery tickets, making transfers or replenishing an electronic wallet through a Home Credit card.

You can track your points accrual from your personal account at any time, even while abroad. The balance changes at the end of each day. The rate 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.

Benefits for Home Credit salary card holders

At the request of the owner, wages can be transferred to Benefit. To do this, you should write an application to connect the service to Home Credit Bank, and from next month you will become a privileged owner.

What are the advantages:

• accrual of up to seven percent on the balance;
• no commission for cash withdrawals;
• the ability to make free transfers to other accounts.

HKB Bank has a new product. They produced bioplastic that decomposes and does not harm the environment.

What do customers think about the debit card: reviews

The HKB Benefit card is popular in 2018. The owner forum is replete with enthusiastic responses about the ease of use of the Benefit.

A review of the messages allows us to conclude that Home Credit clients are impressed by the significant number of free transactions.

It is somewhat inconvenient. Comparing the Polza and Tinkoff cards, owners note that Tinkoff cards can be topped up at any terminal or in communication stores. And the Home Credit card (Khomyak in simple terms) is only available in its own branches or terminals.

Positive reviews about the Benefit of Home Credit card relate to the excellent opportunity to receive cashback not only from affiliate networks, but also from all purchases and payments for services.

User reviews about the Benefit Home Credit debit card are a clear confirmation of the relevance of the new banking product.

Additionally, watch a 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 obtain them.

Debit card Benefit Home Credit Bank is a new flagship in the bank’s line of cards. It literally supplanted its popular colleague (currently out of print) and, what’s good, inherited all the best from the latter (but, of course, not without nuances). The card owes its name to the bonus program of the same name, which also applies to well-known ones. The Benefit loyalty program has favorable conditions (you can get a good cashback through it), which, coupled with one of the highest percentages accrued on the card account balance, makes the card very useful for the client.

In this review, we will analyze its nuances, reveal its strengths and weaknesses, and pay special attention to customer reviews in order to get the most complete picture of the card.

Card Benefit of Home Credit Bank

Interest on balance (max.):

Cashback - refund (max.):

Annual maintenance:

A free-of-charge card with one of the best bonus programs (cashback up to 10%) and a high interest rate on the account balance (up to 10%). Acceptable conditions to make card servicing completely free PRODUCT OVERVIEW

* The card is free for the first two months, conditionally free from the 3rd month ** In a separate category

Card service

Issue fee

For free

Annual maintenance

1st and 2nd month of service: 0 rub.;
from the 3rd month: no fee is charged for daily balances of RUB 10,000 or more. / purchase amount from RUB 5,000. per month, otherwise the cost of service is 99 rubles. per month

Validity

Card type (payment system and status)

Account currency

Conversion

Technological features

3D Secure technology;
chip;
PayWave contactless payment technology

SMS notification

59 rub. monthly

Delivery

There is delivery and the possibility of collection at the bank office, it is possible to receive an instant non-personal card while a personalized one is being produced

Additional services

Issue of an additional card - 200 rubles.

Additional Information

Commission for the second and subsequent reissues of the card at the client’s initiative is 200 rubles. (first reissue without commission(!))

Cash withdrawal

500 thousand rubles. in a day

Cash withdrawal from ATMs/bank cash desks

0 rub. / 0 rub.

Cash withdrawals from ATMs/cash desks of other banks

100 rub. (0 RUR for the first 5 transactions per month) / Similar

Additional Information

0% for withdrawals from ATMs/cashiers of other banks when receiving a salary from RUB 20,000 on the card. per month

Transfer in Internet banking

To an account in another bank

To a card of another bank (by card number) - pushing out

1% (min. 100 rub.)

Replenishment in Internet bank

From a card of another bank (Card2Card) - withdrawal

For free

Additional Information

Allows you to withdraw money without commission

Interest rate on account balance

for balances up to 300,000 rubles: 7% per annum when making purchases per month for 5 thousand rubles, otherwise 0%;
for a balance over 300,000 rubles: 3% per annum on the balance when making purchases per month for 5 thousand rubles.

Loyalty programs

Program "Benefit"; Bonuses and special offers from the Visa payment system

Cashback (refund)

1% of the amount of any purchase (max. 2000 per month);
3% of the amount in certain categories: gas stations, pharmacies, cafes and restaurants;
up to 10% for online shopping in partner stores

Holder requirements

Documentation

according to your passport

Free issue and 1st month of service;
The card is shareware;
5 free withdrawals per month from ATMs and cash desks of any bank;
High interest on account balance;
Beneficial loyalty program;
Cheap interbank transfers to IB;
Accrual of cashback for paying fines, taxes, utility bills, etc. from the Internet bank;
Shareware SMS notifications;
The first free reissue at the client's initiative;
The card is a free donor (the ability to withdraw funds with other cards from the Internet banks of other banks).

When depositing a large amount, the money must remain in the account, otherwise the bank will withhold a security commission;
To accrue interest on the balance, you must meet the minimum purchase amount per month.

More details

Card "Benefit". Main advantages and disadvantages

Let's go over the main advantages of the card, the essence of which will be revealed later in the review.

1. Free release and free service if the criteria for freeness are clearly accessible to most(daily account balance is more than 10 thousand rubles OR purchases worth more than 5 thousand rubles per month), otherwise the cost of service is 99 rubles per month. In any case, the first month the card is serviced free of charge.

2. Accrual of 7% on the account balance for an amount of up to 300 thousand rubles (condition – payment per month for goods and services worth at least 5,000 rubles). Important: The money in the account is insured by the state!

3. Re-issue at the initiative of the holder for the first time is free of charge(this may be required, for example, after the plastic is lost or stolen). The second and subsequent reissues are already paid - 200 rubles. Reissue at the end of the validity period – 0 rub.

4. Possibility of issuing an additional card to the main account(its issue and reissue after expiration - 200 rubles).

5. Free cash withdrawals from ATMs of ANY BANKS around the world the first 5 TIMES A MONTH(a commission of 100 rubles will be charged more than 5 times), and as many times as you like at your ATMs (within the daily limit).

6. Profitable cashback(refund), which is provided by the “Benefit” bonus program: 1% for any purchases, 3% for purchases in certain categories (gas stations, pharmacies, cafes and restaurants) and over 10% for purchases of goods/services from bank partners (there are enough of them a lot of).

Cashback is returned in the form of bonus points, which can later be converted into rubles in your personal account in a 1:1 ratio. The nuances of the loyalty program will be carefully discussed later in the review.

7. Availability of delivery in major cities(check the possibility of delivery when communicating with a bank employee after an online application or when visiting a bank branch).

8. The premium Visa Platinum card has a decent design and may attract attention with its status (if this is so important to you), but the card status will not give any special advantages, except perhaps additional privileges from the Visa payment system. There is more benefit from support for PayWave contactless payment technology and support from Home Credit Bank for payment services, Samsung Pay and, thanks to which you can make your payments from your smartphone much safer (provided that the smartphone supports).

9. The card can be topped up free of charge in Internet banking (IB) or mobile application from cards of other banks. Unfortunately, not all modern cards have this feature, so let’s give it a plus. Through IB you can also make an interbank transfer with a very modest commission - 10 rubles.

What shortcomings can be noted?

1. Compared to the Cosmos card, some service conditions have worsened. Now you won’t get a large percentage just for keeping a certain amount in an account. You will have to make the required 5 purchases (the bank wants the card to be used, and not used as a profitable piggy bank - it makes money from the commission on each purchase transaction, which is paid by retail outlets). In addition, a tasty interest will be accrued on the amount of 300 thousand rubles (previously it could be received in the amount of 10 to 500 thousand rubles). Free service is now only the first month, and not the first year, as before.

2. Paid SMS notification (59 rubles/month). In principle, it is normal practice to take money for information, but previously you could not pay for this service, and you received notifications via SMS without the amount of the available balance on your card account. Now, if the service is not connected, you will have to limit yourself to only push notifications to your smartphone, and also without displaying the balance. Many people are happy with this, however, who have smartphones based on Android or IOS.

3. There are quite a few nuances that certainly do not make the bank look good, and at the same time its products, but only make customers nervous. Take, for example, the hotline phone number (+7 495 785-82-22), which is listed in the “Contacts” section of the official website. As you can see, this is a Moscow number, and calls from other regions will be charged for customers! HKB also has a toll-free support phone number (8 800 700-800-6), which, as clients joke, is modestly kept silent - it can be found on the back of the card. But again, it works for existing clients. We recommend using Home Chat, the link to which is easier to find at the very bottom of the site.

Judging by the reviews, clients often complain about the lack of competence of employees, whether on the phone or in the field, and their style of communication - only forums are saved, where, oddly enough, you can get truthful information.

4. For withdrawals and transfers, you can incur a holding fee (10% for transactions with an amount of 600 thousand rubles or more) if the money has not been deposited in the account for more than 30 days - in the review we will look at in which cases the bank requires holding. Be careful!

How to avoid paying for card servicing?

You will not have to pay for card servicing in the following cases:

• in the first and second billing periods (we recommend ordering the card on the first days of the calendar month);
• and also when making purchases worth at least 5,000 rubles. for the billing period (RP);
• OR if you maintain a DAILY account balance of RUB 10,000 or more throughout the entire RP.

The billing period for use cards lasts from the first to the last day of the calendar month.

If the free service criteria are not met, you will have to pay 99 rubles per month for the service.

Accrual of interest on the card account balance

The Benefit Home Credit Bank card offers a fairly high interest rate on the account balance (PNO) - 7%. Such profitability is possible if the following conditions are met:

• the card holder must make purchases worth at least 5,000 rubles per month;
• 7% income is accrued on the account balance no more than 300,000 rubles.

If these conditions are not met, PNO will not be accrued!

For amounts over 300 thousand rubles, only 3% will be charged on the balance, but also if the conditions for monthly purchases in the amount of at least 5 thousand rubles are met.

PNO is calculated every day, and the total accrued interest for the current month will be credited to the card account on the first day of the new billing period (new calendar month).

Please note a few points:

Attention! Purchase transactions do not include card transactions such as money transfers, replenishment of electronic wallets, and transactions made through Internet banking or mobile banking.

For example, if you want to top up your phone account, it is better to do this on the mobile operator’s website using the card details (this applies to any online purchases), since such an operation in Internet banking will not be counted as a purchase by the bank.

Maximum income in the amount of 300 rubles. - this is not the limit. You can get a second Benefit card (with a separate account - do not confuse it with an additional card to the main account) and use it for savings. But at the same time, do not forget about fulfilling the criteria for freeness and obtaining maximum income for the new card. That is, now you will have to make purchases for 5 thousand every month. rubles for each card. Not very convenient, but for the sake of a high percentage you can strain a little.

Loyalty program Benefits and cashback

The loyalty program from HKB of the same name provides many opportunities for the cardholder to earn extra money. For each purchase, the bank will return bonus points to the client (from 1 to 3% of the purchase price), which can be converted into rubles at the rate of 1 point = 1 ruble in the program’s personal account. Points are valid for 1 year from the date of accrual.

So, what reward will the client receive for purchases?

1. For purchases in various popular categories of trade and service enterprises, the bank will return 3% cashback in the form of bonus points(This "separate" categories according to bank terminology). These categories include “Cafes and restaurants”, “Gas stations”, “Pharmacies”.

You can get 3% cashback on purchases at gas stations - not only fuel, but also any goods sold at gas stations.

The maximum number of points that a client can receive per month is 3000 points. Points are awarded on average within 4-5 days, and the maximum period is up to 45 days

2. For purchases in all categories except those listed above, the client will receive 1% cashback (these are the so-called basic points). The accrual will also occur in 4-5 days (maximum 45 days), and the maximum number of points will be 2000 points.

3. You can take advantage of the offers of the bank’s partners and get even more cashback in the form of promotional points (over 10% for some). To do this, you need to follow the link from your personal account “Benefit” to an online store that is a partner of HKB and make a purchase using the card (consider that the bank plays the role of a cashback service, only with a much more profitable cashback).

Enrollment is made within 70 days, the maximum number of points is limited only by the rules and conditions of participation in the promotion of a specific partner.

For example, when purchasing from a bank partner - the AliExpress online store, the bank awards promotional points in the amount of 6% of the purchase amount (except for mobile devices) and 3% of the purchase amount of mobile devices for up to 70 calendar days from the date of purchase.

As a result, you can receive a maximum of 5,000 cashback bonus points per month for purchases in basic and individual categories (few banks offer such a generous bonus) and plus an unlimited number of promotional points.

Points are converted into rubles after they are written off in your personal account of the loyalty program. You can write off any amount from 100 points.

Withdrawals

You can withdraw funds WITHOUT COMMISSION:

• At the bank’s own ATMs and cash desks;
• At ATMs of other banks, only the first five cash withdrawal transactions (for the sixth and subsequent times the bank will withhold a commission of 100 rubles per transaction);
• At ATMs of other banks without restrictions on the number of transactions, if a salary from a legal entity was transferred to the card in the amount of at least 20,000 rubles for the billing period (the payment purpose must indicate that this is salary) - although it is not specified from what moment the bank stops charging commission: from the beginning of the month and from the day the salary is credited or from the next month. These are preferential conditions for salary earners - a good incentive to receive a salary on this card, taking into account its other outstanding characteristics (interest on the balance + cashback).

The maximum withdrawal limit per day is 500,000 rubles.

Pay attention to the fact that in some cases the money must “stay” in the accounts, otherwise you can end up with a good commission.

So, when making a non-cash transfer to your card account from other credit institutions or from other bank clients, the money must remain in the account for at least 30 days, otherwise a commission of 10% of the withdrawal amount over 600 thousand rubles will be withheld.

The same commission will be withheld from amounts over 600 thousand rubles if the money arrived in your account in cash at a different bank office than where you intended to withdraw it, and stayed for less than 10 calendar days.

And one more unpleasant nuance - when terminating the bank account agreement (closing the card) at the initiative of the client or the bank, 10% will be withheld from the amount over 600 thousand rubles, regardless of the length of time the funds were in the account.

Translations

Home Credit Bank can only boast of cheap interbank transfers from the Internet bank or mobile application. It costs 10 rubles. And for salary earners (at least 20 thousand rubles in income per month) there is a benefit - such a transfer can be made free of charge.

Interbank transfer at a branch will cost 1% of the transfer amount (min. 500 rubles, max. 2500 rubles).

There are no benefits for transfers from card to card (Card2Card) - 1% (min. 100 rubles).

By analogy with withdrawals, in some cases money must remain in accounts: when received from another bank or client, the retention time is 10 days, otherwise the commission is 10% of the amount over 600 thousand rubles.

The big advantage is that the card allows you to withdraw funds from it without commission (for example, when replenishing cards of other banks with a Card2Card transfer).

How to top up a Benefit card without commission?

You can top up your card without commission at cash desks, ATMs and bank terminals, as well as through a transfer from a third-party bank card (Card2Card). You can transfer money from a card of any bank (in other words, “withdraw” money from the card) only in the IB or mobile application, and no commission is charged up to the amount of receipts of 300,000 rubles.

How else you can top up your card for free and conveniently, you can look at.

How to apply and receive? Revealing interesting nuances

From the age of 18, a Russian citizen can already order and receive a card at the office (a passport is sufficient). When ordering online, you will visit the bank branch only once, or you may not visit it at all if a card delivery service is available in your city (check this point when talking to an employee by phone - they will call you some time after the application).

After ordering plastic online or in the office, you will receive a personalized card from the Visa payment system. You can also receive a non-personal (instant) “Key” card, which will be issued at the office on the day of application.

Unnamed card of the Mastercard payment system with a chip on board. Its difference from the registered one is the lack of support for PayPass (contactless payment technology), the cash withdrawal limit reduced by 10 times, and the absence of a service fee. In the Internet Bank it will be displayed as “MC Unembossed”.

The forums pay attention to the following features:

1. Non-personal card The key can be issued only after the registration of a personal (main) card and only until it is ready (delivered to the office). After receiving the main card, the unnamed one may be blocked by the bank, but it may remain valid - as an additional card to the main account. Moreover, it will be completely free without any conditions. It will be valid until the expiration date - it cannot be reissued.

2. If you apply for a Key card before applying for a personalized card, then after the main card is issued, the non-named one will be definitely blocked.

3. If you already have a registered one in your hands, then they will not give you the Key, you can only get an additional card to your main account for 200 rubles (the additional one will be without any restrictions).

4. Finally, you can receive a second Benefit card with a separate account, and at the time of its issue receive a free, unnamed Key. As a result, you can have two Benefits and two free Key cards.

Once again, we draw your attention to the need to issue a card and receive it at the very beginning of the month. The approximate production time for a personalized card is 1 week (some managed to receive it in 2-3 days). Activation takes place on the official website - all you need is the card number and passport number.

In the Russian banking market. Shareware card with cashback, interest on the balance, free replenishment from any card and free cash withdrawal from any ATM.

The Benefit card has replaced the Cosmos debit card. They began issuing debit Benefits on April 2, 2018; now Cosmos will only be able to be reissued to those who already use it.

The bank already has the Benefit Gold and Platinum credit cards, and now there is a debit Benefit Visa Platinum. The debit Benefit retains most of the conditions of the Cosmos, but there are also some innovations.

The Cosmos card was a popular and profitable card; its feature was the accrual of cashback on services such as payment for housing and communal services, traffic police fines, taxes, and mobile communications. The Polza card has retained the accrual of cashback when paying for these services. Typically banks do not provide cashback on such things and this is certainly a big plus of the card.

The Benefit card has the following functions:

• payWave chip and contactless payments;
• the ability to link to Apple Pay, Samsung Pay and Google Pay;
• 3D Secure technology.

It's convenient that now billing period the same for all bank clients: from the 1st to the last day of the month.

Cashback

Debit card Benefit Home Credit Bank participates in the bonus program " Benefit". Points can be exchanged for money in Internet banking upon application, rate: 1 point = 1 ruble.

Points are not rounded, but are awarded along with kopecks. For example, spent - 568.48 rubles, will come - 5.69. In November 2018, the bank changed the conditions for accruing points; now they are rounded, like most cashback cards: downwards, amounts that are 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 —Savings history.

Points can be converted into money at any time and in any amount. From July 2, 2018 minimum amount write-off became 100 points. From October 1, 2019 the minimum amount became 500 points.

For payment of utility bills, taxes, fines, mobile communications, cashback is awarded, but only if you pay them through Internet banking, in the section Payments via a template form. In the search you need to find a service provider company.

Types of cashback:

Base- bonuses are awarded for all purchases at the rate of 1% . Limit: no more than 2 thousand points.

• Cafes and restaurants— 3% ,
• Gas station -10% ,
• Pharmacies — 15% .

Limit: no more than 3 thousand points.

The “Travel” category that originally existed for the “Benefit” card no longer exists (cashback was 3%). Instead, Home Credit Bank began issuing a premium card with an increased cashback - 5% in the “Travel” category.

Affiliate cashback— when making purchases at the bank’s partner retail chains, additional cashback is awarded. There is no limit on points accrual here.

Please note that it is better to view the conditions for affiliate cashback in your personal account by selecting the desired store. In some stores you can get cashback simply by paying at any store (online or offline) with a Polza card. In some, you must go to your personal account with Benefits, select the desired partner, click the “Go to store” button and, of course, pay with Benefits. Points for partner cashback are not awarded immediately, depending on the partner.

There are quite a lot of retail chains in different categories; affiliate cashback is especially interesting when paying for large purchases.

Increased cashback— bonus size 2% (+ 1% base cashback) the following categories are available to choose from: home and renovation, pets, leisure and entertainment, health and beauty, clothing and shoes, electronics, children's products.

You can activate increased cashback in your personal account: for 30 days, 90, 180 or a year. Active points are debited for connection:

• for a month - 99, 90 days - 259, 180 days - 499, year - 999 rubles.

• for a month - 199, 90 days - 499, 180 days - 999, year - 1999 rubles.

It is convenient to activate increased cashback for a month, in the category in which large purchases are coming up.

Order a card Benefit

Interest on balance

Home Credit accrues income on the daily card balance.

• 7% per annum- if during the month purchases were made for 5,000 rubles;
• 3% per annum- if the balance is more than 300 thousand rubles (from the excess amount) and purchases were made per month for 5,000 rubles.
• 0% — if purchases are made for less than RUB 5,000. per month.

Cash withdrawal

You can withdraw free cash from your card not only at your own ATMs, but also at ATMs of other banks. Free - first ones 5 withdrawals per month. For subsequent cash withdrawals, a commission of 100 rubles is charged.

It’s convenient that both the Internet bank and the mobile application immediately track the number of free withdrawals in the current month.

If you receive your salary on a Benefit card, then there are no restrictions or fees on cash withdrawals, but the amount of the transferred salary must be more than 20 thousand rubles per month.

The daily limit for cash withdrawal is 500 thousand rubles.

Card replenishment

You can use the Benefit card for free top up:

• with a card of another bank via Internet Bank, transaction limit - 150 thousand rubles, monthly limit - 300 thousand rubles;
• through ATMs and terminals of Home Credit Bank;
• through Home Credit Bank cash desks.

Transfers from the card Benefit

Transfer by card number through your personal account to a card of someone else’s bank - 1% of the amount, but not less than 100 rubles.

Transfer using account details in your personal account - total 10 rubles, regardless of the amount. Salaries with an income of more than 20 thousand rubles per month - for free.

Service fees

Card issuance is free. Debit card Benefit is free of charge. Card service fee not charged when one of the conditions is met:

• Daily balance for the month more than 10 thousand rubles ;
• Purchases made for the amount no less 5 thousand rubles/month .
• First and second months using the card.

In other cases will be charged commission 99 rub./month.

The conditions for free card servicing are quite feasible for every client, especially if a salary is transferred to the card.

For SMS notifications - 59 rubles per month(you don’t have to connect/disconnect). The commission is withdrawn only when at least one transaction is made per month. If you disable SMS notifications, messages will still arrive after each transaction, but they will not reflect the account balance.

Free services on the card Benefits:

• Blocking and unblocking the card.
• Obtaining a new PIN code.
• Receive an account statement at a bank office.
• The first reissue of the card on your initiative.

How to get the benefit

A Pozla debit card can be issued by applying online on the bank’s official website. 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 to the nearest bank branch to pick up a card with a passport. The card is personalized and takes about a week to produce.

If you need a card urgently, you can first get an instant non-personalized card and later get a registered one.

Bank customer support

Any questions about the card can be asked in the bank’s online chat or by phone. The bank sends letters to Polza card holders explaining how to use it.

When you receive your card, you will also receive explanatory materials and card rates in an easy-to-read form.

Pros and cons of the card

Main advantages of the card:

• Cashback, including for utilities, electricity, communications. Increased cashback in special categories and with partners. Bonuses are converted into rubles instantly.
• Income on the balance.
• Free replenishment from cards of other banks.
• Free cash withdrawal from any ATM.
• Free delivery of the card in major cities (Moscow, St. Petersburg, Nizhny Novgorod, Kazan, Chelyabinsk and others).

Disadvantages of the card:

• Card delivery is not available everywhere - you will have to spend time visiting the bank.
• Problems with payment in transport: the card does not always work when paying in ground transport.

Benefit is one of the best cards on the banking market now. Write your reviews and impressions about the Benefit card in the comments.

Order a card Benefit

Enjoy the shopping!
Nina Polonskaya

On April 2, 2018, Home Credit Bank introduced a new debit card “Polza”. This card replaced the legendary card

How to get a card.
Getting a Benefit card is quite simple.
Just go to the bank’s website (click on the link below)

enter your details, a bank employee will call back in a few minutes and voila - you practically have the card. As soon as it is ready, you can go to the bank branch to pick it up.

The second option will require a lot of time. You can go to a bankai branch.

Advantages of the card

• 7% per annum on account balance subject to certain conditions.
• Online ordering of a card on the website (for new clients) and in the Internet bank (for Home Credit clients).
• Contactless payment PayWave - we pay without letting go of the card.
• Transfer of money by interbank to another bank 10 rubles.
• Cashback was honest and very fair all the time and was not rounded up from 100 like some banks. For example, if using Tinkoff or Touchbank cards your taxi ride costs 99 rubles, these banks will give you sew, and before Benefit gave an honest 0.99 kopecks cashback. But then everything changed. Starting from November 19, 2018, cashback rounding was introduced and for a purchase of 99 rubles in 1% of the category, the user receives a donut hole.
• 1% cashback on all purchases.
• 3% cashback in popular categories - “Gas stations”, “Cafes and restaurants”, “Travel”. The most important thing is that HomeCredit has honest MSS and, for example, fast food, which is excluded by many banks, is included in bonuses at HomeCredit.
• The huge withdrawal limit per day is half a million rubles.
• 5 free withdrawals from any ATM per month. Then 100 rubles for withdrawals from others. (at your ATMs, of course, free)
• The maximum CashBack payment per month for simple purchases (1%) is 2000 rubles.
• The maximum CashBack payment per month for increased purchases (3%) is 3000 rubles.
• The Benefit program very simply and almost instantly turns your points into crisp rubles 1 to 1.
• A very important point - the incoming money transfer for visa home credit debit cards is almost instantaneous. What does it mean? If you transferred money to this card through any card to card (c2c) service, it will be available for spending almost immediately.
• Google Pay and Apple Pay are available - easy and secure payment tools that are completely changing the field of mobile payments.
• The card can be topped up for free from a card of another bank in the Internet bank (Maximum per calendar month - up to 300,000 rubles and maximum at one time - up to 150,000 rubles).
• MCC of transactions can be found out by uploading transactions in your personal account Benefit.

Disadvantages of the card

• To receive 7% you need to make a purchase/purchases worth 5,000 rubles in each new month. Otherwise there will be 0% on the balance.
• A very important nuance for purchases to offset the 7%. Purchases must clear your account by the end of the month. Considering that some purchases may take 3-5 days to complete, remember that card purchases made in the last days of the month will not be counted. Roughly speaking, the dead line is the 25th-26th of the month.
• Over 300k rubles, the interest on the balance will be only 3% per annum. Keep more than 300k on this card not reasonable.
• A card with our Russian spiritual bonds has a bad conversion rate, I recommend paying it only within the country.
• Starting from July 2, 2018, the conversion of points into rubles from 100 points has been introduced.
• Starting from November 19, 2018, cashback rounding was introduced and for a purchase of 99 rubles in 1% of the category, the user receives not cashback, but a donut hole.
• The SMS package is paid, 59 rubles per month (do not connect or disable it in IB), since its only difference from the free one is that the paid one shows the balance. But there is information that paid SMS notifications when ordering a card are not automatically activated by default.
• There are some nuances with cash withdrawal (you can’t quickly withdraw money you received by bank transfer from someone else’s bank.)
• At the beginning of 2019 the bank behind the scenes limited payment for cell phones (direction MCC 4814) to a limit of 14,000 rubles per month.

How to replenish the “Polza” card of Home Credit Bank for free and quickly?
1. From a Visa and MasterCard and Mir card of another bank within the Homek Credit Internet bank. .
2. Interbank from a good fast bank (Tinkoff, Rocketbank, etc.) was sent in the morning and arrived at lunchtime.
3. Withdraw up to 20,000 rubles from a Tinkoff debit card (instantly)
4. Up to 75,000 rubles from Mastercard cards through the VKontakte transfer service, read a review of the service
5. Cash through Home Credit ATMs (you need to walk with your feet)
5. In cash through the bank’s cash desk (for Old Believers and still with legs and during the branch’s working hours)

Home Credit Bank's plans to develop its debit card Benefit.
1. In 2018, big plans for the launch of Android Pay are done.
2. We see the bank’s desire to teach how to understand their cross-border ruble cards (this still sounds fantastic, but who knows)
Made in February 2019.
3. The bank confirmed that the new mobile application is in the final stage of testing.
Estimated release - August 2018. New chips - entry by pin, replenishment from other people's cards(implemented on April 19) and viewing points Benefit. Information has emerged that instead of developing a new application, programmers will simply add deposits and debit cards to the bank’s second application called “My Credit” (for now it is only available to bank credit card holders - but it already has pin login and points exchange Benefit) - made.

Wishes to Home Credit Bank for the development of the “Polza” debit card (and not only) for 2018-19.
1. Add currency conversion to the mobile application (not done)
2. Finally, log in using your fingerprint and PIN code into the Android mobile application. (made)
3. Exchange points The benefit is not in the separate My Credit application (available only to those who have a bank credit card) but in the main application. (not done)

News of the bank's bonus program Benefit.
On March 19, 2018, Home Credit updated the interface of the Benefit program. Clear improvements.

Conclusions.
The “Polza” debit card is a stripped-down version of the “Cosmos” card.
Considering that the Space card was one of the best cards, the Utility card is also quite good.
The map may come in handy and should be taken.
Firstly, for any person who is afraid of credit cards, since this card is a debit card.
Secondly, the spending limit for cashback is quite large - 200,000 rubles for regular purchases and 100,000 rubles for increased purchases. And you will also be paid extra for your purchases.
Thirdly, interest on the balance. It's a small thing, but nice.
.

FAQ or FAQ (Frequently Asked Questions) for the map Benefit

1. Is it possible to order a card online?
Yes you can.

2. How to set a PIN code for the “benefits” card
Generate a PIN code (either in online banking or through a call center).
Sometimes the tellers offer to create it right in the office upon receipt of the card.
From the point of view of convenience and security, it is better to form it yourself in a calm environment in the Internet Bank.

3. For which MSS there will be an increased cashback.

Cafes and restaurants (the bank pays you 3% cashback)
5811 Caterers
5812 Eating Places,Restaurants (Cafes and restaurants)
5813 Drinking Places - Bars,Tave
5814 Fast Food Res. (Fast food restaurants)

Gas station (the bank pays you 3% cashback)
5172 Petroleum/Petrol Products (Oil and petroleum products)
5541 Service stations
5542 Automated Fuel Dispenser
5983 Fuel dealers - fuel oil (Fuel sales points)

Travel (the bank pays you 3% cashback)
3000-3299 Airlines
3351-3441 Car Rental
3501-3790 Hotels/Motels/
Inns/Resorts
4112 Passenger Railways
4131 Bus Lines
4411 Cruise Lines
4457 Boat rentals and leases
4468 Marinas,marine service/suppl
4511 Airlines, Air Carriers
4582 Airports,flying fields
4722 Travel Agencies and Tour Op
7011 Hotels,Motels,Resorts-Lodgin
7012 timeshares
7512 Automobile rental & Leasing

4. Will a “Benefit” card be issued to just a person on the street?
Yes, they will give it out, since it’s a debit card.

5. Is it possible to get a second “Benefit” card?
Yes you can.

6. I bought air tickets (here everyone can insert their own - a bicycle, a laptop, clothes, etc.) on a foreign website and, unknowingly, ended up on a cross-border ticket (the amount added to the account was quite large). Is it possible to resolve this issue?
Yes you can, but only once. This is the good will of the bank.

7. How long do Benefit points last?
Benefit points last for one year, so don’t delay the exchange and exchange them for money at least once every 2 months! Unlike other banks, where you have to wait until the next month for cashback, “sliders” can be turned into crisp rubles almost instantly

11. Is the Benefit card good?
Yes, the “Benefit is good” card. Plus there are very useful promotions, which are described above in the article.

Any questions and other useful information in the comments are welcome.

One of the leaders in the commercial banking industry, Home Credit, introduced a card with cashback up to 10% and interest on the balance. Is it true? Who benefits from registration and who doesn’t? Let us consider in detail whether it is necessary to issue a card and what is needed for this.

Card "Benefit"

Home Credit Bank provides new profitable offers, including the Pozla card. Let's start the review of the card with the positioning of the bank itself - “card of maximum opportunities”. Indeed, this plastic allows the owner to use a convenient payment system and earn money. The bank will charge the owner up to 10% on the account balance, 3% on a check in a cafe, restaurant or gas station, 1% on other purchases.

Design of “Benefits”

To receive a card, you must. There you will select the card type - Gold or Platinum, then fill in the necessary data, including:

1. last name, first name, patronymic in full;
2. Date of Birth;
3. mobile phone;
4. passport series and number;
5. E-mail address;
6. social network account (optional).

Previously, only regular bank clients could use the program, today everyone has the opportunity. You can apply for a debit or credit card (a similar opportunity is provided by). In the latter case, additional data, such as a social network account or income certificates, will increase the limit provided. After filling out the application, a bank employee will call the client, clarify his personal information and tell him about further actions.

Primary data processing takes no more than 30 minutes. The operator will tell you about a preliminary decision on credit plastic or inform you about the place and time of receiving a debit “wallet”. We'll talk about the terms of service for each type below.

Debit card: terms of service

Afterwards, you can pick up the finished card at an office convenient for you. You can view branches on the bank's website.

How much money back 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 and restaurants. Additionally, annual interest will be charged, it depends on the amount of the card balance. If the amount is less than 300 thousand rubles, and more than 5 purchases are made, then the charges are 7%. If there are less than 5 purchases, then 5%. If the balance amount is more than 300 thousand rubles, then savings for the amount exceeding 3%.

The issuance of plastic is free, and there is no one-time fee for annual maintenance. A debit card may have additional costs, which are presented in table form:

For clients receiving wages on a card (over 20,000), preferential conditions apply; no commission is charged for cash withdrawals from ATMs of other banks or for transfers to the account of another bank.

Credit Cards Benefits

A credit card differs from a debit card in that in this case the bank provides you with funds that you then need to return. When filling out the form, you must select the type of card: Gold or Platinum. The percentage of cashback you will receive depends on it. Let's present it in the form of the following table:

The contract specifies the conditions and terms of return. The Benefit card from Home Credit is considered one of the most advantageous lending offers. To receive one, you must fill out an online application. On the day of application, a final decision is made on loan confirmation and amount. There are several requirements for the borrower:

1. must be a citizen or resident of the Russian Federation;
2. age ranges from 21 to 64 years;
3. the client must have a residence permit or permanent registration in the city where there is a Home Credit Bank branch;
4. continuous work experience at the last place of work must be at least 3 months;
5. You are required to provide a landline or mobile phone number.

This is a list of mandatory requirements; the following factors can increase the credit limit:

• stable salary (you can provide a certificate of income 2-NDFL or in the form of a bank);
• positive credit history (including in other banks);
• absence of unpaid traffic police fines and court debts.

During a visit to the company’s office, you must have a passport and 2 documents with you, this could be:

• SNILS;
• International passport;
• Driver license.

Copies of documents are sent by the operator for verification, after which a final decision will be made. It takes no more than 40 minutes to accept. Once the loan is approved, the borrower receives an instant issue card. The approved amount will already be on it; after a week you will need to contact the same bank branch to pick up a personal payment.

Conditions and tariffs of the credit card Benefit

The card is in many ways more profitable than its competitors. However, there is one important condition: the Benefit program is connected to the credit card. The bank charges 990 rubles for this. with 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 rub.	Up to 300,000 rub.
Interest rate	33.9% per annum (49.9% when using cash)	29.9% (49.9% when using cash)
Interest-free period	51 days	51 days
Minimum monthly payment	7% of credit debt, but not less than 1000 rubles.	5% of credit debt, but not less than 1000 rubles.
Daily limit for cash withdrawals from an ATM	10,000 rub. for cards with number 44609805 and 30 thousand rubles. for other cards	10,000 rub. for cards with number 44609805 and 50 thousand rubles. for other cards
Daily cash withdrawal limit at the cash desk		30,000 rub. for cards that start from 44609805 and 100 thousand rubles. for other cards
Cash withdrawal interest		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:

• Through ATMs or Home Credit Bank cash desk.
• Through any other bank, by contacting the operator.
• At Russian Post offices. Such a transfer can take 10-12 days.
• Through electronic payment systems Rapida, Eleksnet, Contact and others.
• Interbank transfer from card to card using account/card number. In the first case, the transfer will take 3-4 business days, in the second, the transfer will occur almost instantly.

The advantages of a credit card from Home Credit are the ability to top up with your own funds, that is, you can use it like a debit card, if necessary, spend bank funds and return them during the interest-free period.

Whatever card you choose, the Benefit program will allow you to receive significant bonuses. Let's talk about them in more detail.

What is "Benefit"

This is a loyalty program that allows participants to get back some of the money they spend. 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. The following are not eligible for bonuses:

• Money transfers;
• cashing out funds;
• purchase of lottery tickets, securities;
• casino accounts.

The remaining bonuses are divided into three types:

1. Basic – accrued for all purchases at retail outlets;
2. Special – points for paying bills at trade and service enterprises (gas stations, restaurants and cafes, from the “travel” section);
3. Promotional cashback is a cashback, the conditions for receiving which always change; it accrues for online purchases from partners bank, as well as for checks falling under current bank promotions.

Let's calculate the benefits

Before applying for a Benefit card, you can find a benefit calculator. Enter the approximate amounts you spend on purchases, after which the system will calculate bonuses. One bonus is equal to 1 ruble.

Let's calculate cashback for the Gold card with specific spending conditions. Monthly expenses – 30,000 rubles, of which 5,000 rubles. for gasoline, 5,000 rubles. for online purchases, 4000 rub. to pay bills in restaurants and 16,000 rubles. for everyday expenses, buying groceries. In this situation, the monthly return will be 930 rubles, per year the amount will reach 11,160 rubles. With a Platinum card, the same expenses will bring you 1,190 rubles monthly. and 14280 rub. in year.

Points are accumulated in 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.

Partners

It is profitable to make online purchases from bank partners; you can get up to 30% cashback for them. Your personal account contains personal offers that will be constantly updated. The minimum rates that partner stores have are stable; we present the most profitable ones in the table:

We also note that it amounts to 3.5% of the amount spent. There is only one exception; only the Clothing and Footwear categories are eligible for the program. However, additional promotions are often held that increase the benefits for purchases in the largest online market.

Using bonuses

1 point corresponds to 1 ruble. After receiving a card with the Benefit loyalty program, the client also receives a bonus account where cashbacks will be received. Management occurs through your personal account, 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 to instantly top up your mobile account or refund purchases. It turns out that a significant difference in 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 receive a refund of part of the funds or the full cost of the product (if you have enough points). You can also get your money back for paying utility bills. The average interest payment time is 2 weeks.

Spending bonuses is not available in three cases:

1. The client has already sent a request to write off points and is awaiting a response;
2. For this operation, the goods were returned and the payment was cancelled;
3. The client is checked for illegal actions and fraud as part of the bonus program.

For one request, the client can convert no more than 100,000 points into rubles. Bonuses with an early validity period are used first; it is 12 months. Points that have not been used during this period will be expired and cannot be restored.

What you need to know

The scheme for receiving bonuses is clear: you make purchases, receive points, which you then convert into rubles. To make the mechanism even more transparent, let’s pay attention to some nuances:

1. The period for accruing points may differ depending on their type and the conditions of the promotion.
2. Neither type of points applies to the purchase of gems, bonds and other securities, lottery tickets or travelers checks.
3. If the bank suspects a client of abusing the loyalty program, an audit may begin. The bonus account will be frozen until the circumstances are clarified, after which it will either be canceled or reinstated.
4. If the bank credited cashback, but the purchase was cancelled, the amount is reset to zero. If it has already been spent, then the account acquires a negative balance, and the points will be written off during subsequent accruals.
5. The Bank also reserves the right to write off points that were credited in error. If there are insufficient funds, the balance will go into minus.
6. If the client terminates the contract, the crediting of points ceases from the moment it is signed by both parties. Bonuses accrued before can be used throughout the year.

Using your personal account

Participants in the Benefit program need a personal account to manage bonuses, as well as to receive personal offers. It displays not only cashback conditions at partner stores, but also individual rates.

To log into your personal account, you will need the mobile phone number to which your bank card is linked. Here you will see the entire history of purchases, accrual and write-off of bonuses. The expiration date of the points is also displayed, the system informs that some of the bonuses will soon expire. Please note that you can only convert points from your personal account; there is no such function in the mobile application yet.

Question answer

Many questions arise during the process of using the card; we will try to answer the most popular ones.

You made a purchase and still haven’t received points?

This is normal, bonuses do not come immediately. In some cases, the return period can reach 45 days. Pay attention to the terms and conditions of promotions provided on the site. You can also see the deadline for crediting bonuses from partners in your personal account. If after 45 days the points have not arrived, contact the bank via “Feedback” or call the hotline.

How to check your balance and find out your transaction history?

The bonus account statement can be viewed in your personal account via Internet banking, by phone or by visiting a company branch in person.

Is it possible to pay off loan debt with points?

You cannot pay for a loan payment directly with bonuses, but points can be converted into rubles, returning money for other purchases. You can dispose of them at your own discretion. 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. Personal offers will appear here. You can connect to your personal account at the company office or by calling the contact center number.

If you forget your login combination, you will have to return to the office with the documents, since only you know the password. There you will be given a new one-time code, which you will change after your first login.

Expert opinion

The Benefit card is an advantageous offer for everyone. There are no restrictions on minimum spending; card servicing 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 profitable to pay with a card when purchasing air and train tickets, paying for services at gas stations and for goods in online stores.

Since there are restrictions on the number of monthly bonuses, we recommend that you first pay for large purchases that fall under special and promotional bonus categories.

There are several main advantages of the program compared to its competitors:

• bonuses are awarded for paying utility bills, taxes and fines (this is rare among similar offers);
• favorable rates on basic and special offers;
• the presence of partner stores where you can receive a significant amount of refund;
• points are converted into rubles at the rate of 1 to 1;
• The money received can be used without restrictions.