Home Credit - famous Russian bank, providing a variety Financial services to the population. The most popular today is a profitable installment card called “Benefit”. This article is devoted to its review.

Debit card Home Credit Bank "Polza": review

“Benefit” is a specially designed loyalty program that allows you to make bargain purchases in partner stores. The main advantage of the product is receiving a percentage of each purchased product or service in the amount of:

• 1% - from the amount of any purchased product;
• 3% - in special categories “Cafes”, “Gas Stations”, Travel and others;
• 5-10% - in partner stores and showrooms.

This program is currently connected to three types of Home plastic products:

• debit card "Polza",
• credit “with Benefit Gold” and “with Benefit Platinum”.

The “Polza” debit card of Home Credit Bank has the following characteristics:

• interest on the balance – up to 7.7%;
• cashback from partners - up to 10%;
• registration is free.

Let's consider the terms of use of the product.

Terms of use

The Benefit card is available to all Russian citizens over the age of 18 who have official work and living on the territory of the Russian Federation. Basic Product Terms:

• annual interest rate for the balance:
  • 7.5% when making at least 5 purchases daily,
  • 3% if less than 5 items are purchased per day;
• cashback - up to 10%;
• monthly service fee:
  • 0, if more than 5,000 rubles were spent per month,
  • 99 rubles in all other cases;
• Cash withdrawal is free;
• commission for transfers from account to account within the system is 0 rubles.

Making a card useful occurs in several stages:

1. Go to the official website and fill out an application for the product.
2. Wait for a call from a representative financial organization.
3. Visit the bank office and receive the card in your hands.
4. Make purchases and get cashback.

Shops that are partners of the “Polza” card Home Credit

Currently, the partners of the “Polza” loyalty program are:

• MVideo store - returns from 2% to the card;
• Aliexpress online store – up to 3%;
• TOM TAILOR clothing and footwear – more than 6%;
• Sandi cosmetics - from 8.5%;
• Lensmaster optics – over 8.5%;
• Oldi company - from 2.5%
• MediaMarkt - 3% or more;
• online store "Technopark" - from 5%;
• Svyaznoy – from 1%;
• Panasonic online store - from 13%;
• tour operator OneTwoTrip - from 2% and many others.

Credit card with benefits Home Credit

In addition to the debit card, profitable program loyalty is also represented by two credit products– these are installment cards “with Benefit Gold” and “with Benefit Platinum”.

Let us consider the conditions for their provision in more detail.

Gold characterized by the following parameters:

• release is free;
• service cost – 0 rub.;
• cashback in the categories of gas stations, cafes and restaurants, travel – 3%;
• cashback everywhere – 1%;
• Grace period– within 51 days;
• renewable loan limit - up to RUB 300,000;
• annual rate - 29.8%.

Card Platinum provided under the following conditions:

• credit limit - up to 300,000 ₽;
• Gas stations, cafes and restaurants, travel - 5%;
• cashback everywhere - 1.5%;
• interest rate - 29.8%;
• service price – 4,990 rub.

How to top up?

Now let’s figure out how to top up the Benefit Home Credit card. There are several ways to do this.

In 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 Polazha Gold and Platinum credit cards, now there is a debit Polazha Visa Platinum. U debit benefit Most of the conditions of Space are preserved, 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;
• possibility 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 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 premium card with 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 look at the conditions of affiliate cashback in 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 is convenient that both in Internet banking and in mobile application The number of free withdrawals in the current month is immediately monitored.

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.

Conditions for free service cards are quite feasible for each 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 unnamed card, and later get a personalized 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 format.

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

Order a card Benefit

Enjoy the shopping!
Nina Polonskaya

In order to attract customers, many banks use a variety of bonus programs. They allow you not only to spend money, but also to receive additional bonuses and points from each purchase. And, of course, you can use them to purchase new goods or services at a discount. One of the bank’s similar products is savings card"Benefit". Home Credit Bank offers it to all its clients. What kind of credit card is this? And what are its features?

General information about the bank's bonus program

According to the bank's rules, when making various purchases in stores, a client of an organization can receive a certain percentage of compensation. As a rule, it is fixed and depends on the type of banking product. For example, if you are the owner of cards of the “gold” or “standard” categories (“Successful purchases Gold”, “Our Cashback card”, “Cashback Standard card”), then when you use them you will receive a bonus within 1-3% of purchase amount. Moreover, the “Polza” (“Home Credit”) card of the “platinum segment” will provide you with compensation in the range of 1.5-5%.

What does a “Benefit” card look like?

A card connected to the Benefit program, as a rule, has an appropriate thematic design. For example, on some of them you can see a kind of mouthpiece, horn or trumpet with graceful handles, refined with various designs and inlaid with precious stones. In this case, some cards have a white background, while others have a black background.

Who can take part in the program?

Not everyone can participate in this program. According to the bank’s terms and conditions, only clients with existing special offers from Home Credit. At the same time, issuing a package of such offers will cost about 990 to 5,000 rubles per year (depending on the type of open card).

According to representatives credit organization, V this amount includes not only basic card servicing, but also the accrual, calculation and debiting of points earned by the client during participation in the program. All this is given to you by the “Benefit” (“Home Credit”) card.

Nuances of registration and participation in the program

You can join the program for the first time only upon conclusion loan agreement, for example, when applying for a consumer loan or credit card. Also involved in other programs of a financial organization, he can himself express a desire and write an application for participation in the loyalty program.

For regular services in the system, the bank annually charges a certain fee (in accordance with the current tariffs for cards of different segments). Moreover, if after this period the client does not express a desire to refuse to participate in the program, payment for the next 12 months will be charged automatically. In addition, each client has the full right to refuse the service, but no later than 14 days from the date of activation of the service. This is how the Benefit program works. "Home Credit" disables you from participating in the system completely free of charge. But it will no longer be possible to join it again.

What cards can be issued under the program?

Currently, within current program The following loyalty cards can be issued:

• “Successful purchases Gold”;
• “Happy shopping Platinum.”

For example, if your attention was attracted by the “golden” credit card “Polza” (“Home Credit” offers to pay for goods and services at 34.9% per annum with its help), then a renewable credit limit up to 300,000 rubles and a grace period of 51 days. You can also pay bills with a platinum card within 29.9% per annum. In the case of cash withdrawals, a single interest rate applies to “gold” and “platinum” cards - 49.9% per annum.

How many bonuses can you earn?

In accordance with the rules of the current bank program, when making any purchases with “Polza” cards (within the country and abroad), you can earn a minimum of 1% of one amount spent. Moreover, during the entire month the client is allowed to collect no more than 2000 points. All bonuses received over the limit are canceled by default. Further maximum amount bonuses increase to 7500.

What purchases can I earn points for?

The loyalty program called “Benefit” (“Home Credit” gives everyone the opportunity to join it) provides for the spending of credit and personal funds from customer cards to pay for goods and services.

Let's say you use Gold card, we will give an example of expenses taking into account bonuses received. So, you can spend approximately 7,500 rubles on various tours and travel, pay 4,000 rubles for refueling and washing a car, 5,000 rubles will cost you going to restaurants and cafes, 15,000 will cost you for shopping in online stores, approximately 18,500 rubles will cost you groceries and other daily consumption items. As a result, in a month of such spending you will be able to earn 5,180 bonuses, and in a year - 62,160. Please note that 1 point is equal to 1 ruble.

But with similar amounts of expenses, but using another “Polza” card (Home Credit Bank increases the percentage of compensation for premium plastic holders), the amount of monthly bonus earnings will be 5,603, and for the year - 67,236 points.

As you can see, the amount of compensation depends not only on the amount of purchases, but also on the type of loan product you choose.

What can you get additional bonuses for?

In addition to the officially established bonuses that can be received for making purchases in any virtual and stationary stores, including foreign and domestic, participants in the Benefit program (Home Credit Bank launched this service in the spring of 2013) can receive additional points. They can do this only by making purchases from partners of the credit institution. As a rule, some of them are listed at the very end of the page on the official website of the homecredit.ru program.

For greater convenience, they are all sorted in the following categories:

• Household appliances and electronics.
• Childen's goods.
• Leisure and recreation.
• Other.
• Pet supplies.
• Books.
• Furniture.
• Clothes, shoes, accessories.
• Perfumes and cosmetics.
• Gifts and hobbies.
• Food.
• Sports and tourism.

Moreover, no matter what category you choose, in any case, additional points await you. “Benefit” (“Home Credit”) is a credit card that allows you to compensate for part of the funds spent on purchases. For example, for purchasing goods for children from one company you will receive plus 7% bonuses, another company will bring you 5%, and a third - 10%.

In addition, the bank's partners themselves often hold additional promotions that allow, in addition to additional points from Home Credit, to also receive a store discount of 10-20%.

Card "Benefit" ("Home Credit"): conditions

Citizens of the Russian Federation aged 21 to 64 can apply for a Benefit card. They must be working and have permanent registration in the region where the credit card was opened. Their work experience at their last place of work should not be less than three months. They are also expected to have landline and mobile phones.

You can apply for a “Polza” card (Home Credit issues it in just 10-15 minutes) at any branch of a credit institution. Anyone can also register online. However, in this case, you will still have to visit the office and clarify some details over the phone. The only documents you will need to obtain a card are your passport.

What to indicate in the application when registering in the system?

When submitting an online application for a Benefit card, you must indicate the following points:

• FULL NAME;
• date and year of birth;
• E-mail address;
• Mobile phone number;
• passport series and number;
• social network account (if available).

Control and convenience of performing operations according to the program

Within the framework of which, for every purchase made, cashback is returned from 1 to 10%.

The program applies to the following bank products:

• Benefit debit card.
• Card with Gold benefit.
• Card with Platinum benefits.

All program products are supported payment system Visa.

By participating in the program, you are guaranteed to receive a refund Money from each transaction in the amount 1% . On separate categories, such as gas stations, travel and tourism, cafes and restaurants, the reward amount has been increased to 3% from the cost of the transaction. And when purchasing from partner stores, cashback can reach 10% . Points are also awarded for payments. utilities and other payments in Internet banking, as well as if the purchase was made abroad.

Refunds are 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.

Currently the program 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, liters, Adidas and many others. The full list of partners is available.

On the website in the “Benefit Program” section (polza.homecredit.ru) there is a convenient online calculator for accumulated points.

Debit Card Benefits

In addition to cashback, owners of debit “Benefit” can receive the following conditions:

• Up to 7% per annum on account balance.
• Free cash withdrawal from any ATM (up to 5 times a month).
• Free account replenishment in Internet banking and mobile application.
• Pay for purchases using Apple Pay and Samsung Pay.

How to apply: at a bank branch or by filling out an online application on the website (card sections, Benefit program) or in your personal account.

Useful credit cards

• Gold (the cashback amount is the same as for a debit card).
• Platinum (1.5% for each purchase, 5% in the categories of gas stations, cafes, travel, 5–10% for shopping with partners).

The rate is 29.8% per annum when paying for goods and services and 49.9% when withdrawing cash.

How to apply?

You can get credit cards from Home Credit:

• At bank branches.
• On the HomeCredit website (via direct link https://www.homecredit.ru/poz/card.php, through the program page or online application).
• In your personal online banking account https://ib.homecredit.ru/ibs/ru/login.

You will not need any documents other than a passport. The maximum limit is 300 thousand rubles, the grace period is 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. Activate Home cards Credit available at the branch or by phone hotline 8-800-700-800-6 .

How to pay off debt?

You can pay off credit card debt from Home Credit:

• On the bank's website www.homecredit.ru.
• In the “my credit” application (https://mycredit.homecredit.ru/ or mobile version).
• In the Home Credit office and ATMs.
• By transfer from a Home Credit debit card, including through your personal account – https://ib.homecredit.ru/ibs/ru/login.
• Through branches of the Russian Post and other banks.

How to use points?

You can use cashback and monitor its accumulation in your personal account of Home Credit Internet Banking. In the “Benefits” section, the cardholder can submit requests for a refund (cashback), find out the balance of points, track transactions and receive information about special offers and promotions.

Home Credit currently issues quite interesting and profitable credit cards, the popularity of which is only growing every day. The main attention of potential clients is attracted by “Credit card with benefits” in the GOLD and PLATINUM categories.

In this review article, we will look at all the features and nuances of these cards, conditions and reviews, and also try to answer the question: “Is it worth getting a credit card with the benefit of Home Credit?”

Terms of service for the card

• Card type: VISA GOLD and VISA PLATINUM with contactless technology payment for PayWave purchases.
• Annual card maintenance: 990 rubles per year for a GOLD category card and 4990 for a PLATINUM category card.
• Grace period on the “Benefit” card up to 51 calendar days, honest and completely free.
• Maximum credit limit on the card can be 300 thousand rubles.
• Cash withdrawal fee is 4.9%, minimum 399 rubles.

Cashback on the card with benefit

The main advantage of the card is that when you pay with it in stores and in online banking, you can receive cashback points, which can later be exchanged at a 1:1 rate for rubles.

The cashback percentage varies depending on the card category. For example. With a GOLD category card, the bank pays cashback for purchases in “Cafes and Restaurants”, “Gas Stations” and “Travel” - 3%, and for other purchases, including in Internet banking, 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 awarded 5%, and for other purchases you will receive 1.5 percent.

In addition, for any card category, when paying with card partners, you can receive a refund of up to 20%. Current list 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, allowing you to additionally receive cashback for online purchases of up to 30%.

How to get a card to your advantage

To get a credit card with benefit you must satisfy minimum bank requirements to design a card, or rather:

1. Be a citizen of the Russian Federation.
2. Be at least 21 years of age and not older than 64 on the card issue date.
3. Actually live in the region where the card was issued.
4. Be employed in the region where the card is issued. Moreover, the length of service at the last place of work must be at least 3 months.
5. You need a landline work number, as well as home and mobile numbers.

Documents you will need to provide:

• Passport.
• The second document to choose from is a driver’s license, SNILS or international passport.

Pros and cons of cards with benefits

Among the advantages, one can immediately highlight what catches the eye - this increased cashback 3-5 percent in certain categories and from 1 percent for other purchases. But the most interesting thing is that Home Credit gives cashback for paying for goods and services through Internet banking. This is one of the few banks that “pours porridge” for such operations.

Another advantage of the card is that the card can be obtained quite easily. That is, the card can only be issued using a passport and a second document.

The third plus is Possibility of receiving a card on the day of registration. After leaving an application on the bank’s website and receiving a decision online, you can come to a bank branch and receive instant card. An excellent option for those who need a credit card urgently and without certificates.

As for the minuses, here we can highlight fee for annual maintenance , although if you actively use the card, the cost of service can easily be recovered.

In addition, Home Credit Bank is famous strict requirements for telephone numbers when applying for a card or loan. It is mandatory to provide a landline work phone number. Although many banks are more loyal to contacts in the questionnaire.

How to apply for a card from Home Credit

To apply for a credit card with benefit from HCF Bank, do this in two ways:

1. Contact the department.
2. Fill out the application online on the bank's website and get an instant decision. Then go to the branch for a card.

Is it worth getting a “Credit Card with Benefits”?

After reading this article and familiarizing yourself with the bank’s tariffs, everyone can draw a certain conclusion. Definitely, the card is worth getting for those who often visit entertainment venues, who have a car, and who travel frequently. You can earn quite an impressive cashback on spending in these categories with the card. The map will really be useful for you.

Also, this card can be recommended to those who quite often pay for goods and services in online banking (housing and communal services, cellular communications and other suppliers), because no other bank will provide bonuses for such transactions. And Home Credit does this. And this is a competitive advantage.

Perhaps you have already issued a card or are planning to do so, then share your experience and feedback about the card.