Do you want to buy an expensive thing, but you don’t have enough money for it right now? A Home Credit Bank credit card can correct the situation. Nowadays the bank issues this means of payment to individuals per day. The card can be issued using a passport at a bank branch or remotely.

Conditions for issuing credit cards at Home Credit Bank

For those wishing to order a Home Credit Bank credit card, the following conditions for working with the means of payment apply:

• interest on the loan - 17.90% per annum (the bank has a single rate);
• credit limit on the card - up to a million rubles;
• grace period for lending - 50 days;
• release of 5 additional cards;
• free annual service (many banks in Russia offer free cards).

Credit cards also allow you to get cashback on large purchases.

All Russian citizens can receive Home Credit Bank credit cards. To do this, they just need to submit a request for a credit card on the organization’s website. You can submit an online application for such a means of payment at any convenient time. The bank will review it in an hour. If the application is approved, you will need to come to the branch, select the design of the means of payment and issue a Home Credit Bank credit card along with the agreement. The credit card will be active on the day it is received.

Home Credit Card - Eldorado: cashback up to 5.5% for all purchases with Eldorado bonuses

5 (100%) 1 vote

With the new Home Credit - Eldorado card, accumulating bonuses for your usual purchases will become much faster, because up to 5.5% cashback from purchases on the new card is returned in the form of Eldorado bonuses! Although the card is a credit card, it is absolutely free, and even with a fair grace period of up to 51 days - just fabulous conditions. Externally, the card is a classic chipped Visa card without the contactless payment function:

Cards are issued directly in Eldorado stores.

To do this, contact a credit specialist of the Bank (at the appropriate counter); if such a specialist is not available, go directly to the cash desk.

Before visiting the store, make sure whether this particular Eldorado issues Home Credit - Eldorado cards using a special service. To do this, select “Always Yes” in Eldorado in the filter:

Registration of the card takes no more than 15 minutes (of course, the card is unnamed), for registration you need a passport or any document of your choice: driver’s license, SNILS or foreign passport:

If you received an SMS offer from the Bank, then only a passport is required for registration.

It is during the process of issuing a card that your initial credit limit on the card will be approved. In the future, taking into account the dynamics of its use, the Bank may change it at its discretion. Home Credit's requirements for obtaining this co-brand are as follows:

Of course, you don’t need to bring any certificates, work books or other statements to Eldorado to receive a card - the data will simply be recorded from your words without verification. The main check that the Bank will perform is a request - in fact, on its basis a decision will be made.

If the Bank denies you a credit limit, this card can simply be used as a regular Eldorado Club bonus card (if you don’t already have one) on the general terms and conditions and in accordance with the Club rules.

The card received from the Eldorado store has already been activated; you just need to set the PIN code in any convenient way:

If you want to receive a personalized card, then you need to contact any Home Credit office with the received non-registered one. The period for issuing a personalized card will be from 5 to 15 working days; according to the terms of service and cashback, the card is not inferior to a non-named one.

It doesn’t matter whether you have a personalized card or a standard non-registered one - the issue and maintenance of this card is free without any conditions or pitfalls.

By the way, this is the only free credit card from Home Credit Bank available to a wide segment of clients.

But it’s not even the fact that the card is free that makes it different from all the others, but a solid cashback.

Cashback on Home Credit card - Eldorado

For all purchases made using the Home Credit – Eldorado card, cashback is awarded in the form of Eldorado bonuses:

• for purchases in Eldorado retail stores - 5.5% of the purchase amount;
• for any purchases in the Eldorado online store and for any purchases (in retail stores or online stores) of goods on promotions - 3.2% of the purchase amount;
• for any other purchases (made outside Eldorado stores) - 1.5% of the purchase amount.

The numbers are quite good. Even though this is cashback in the form of bonuses, it can be easily exchanged for a discount of up to 99% at a 1:1 rate when paying in any Eldorado retail or online store, so the accrual conditions are quite decent, especially for a free card.

Bonuses are credited 7 days after making a purchase:

and are reflected in the Eldorado personal account (not in the Home Credit Internet Bank!):

In general, all bonuses at the Eldorado Club are divided into three groups. In “Inactive” - bonuses are reflected immediately after making a purchase, after 14 days they will move to the “Available” group and they can be changed for a discount, and “Reserve” are bonuses that are frozen, but are not actually written off from the bonus account, they are written off after confirmation of receipt of the goods (i.e. the concept of “Reserve” bonuses occurs only when paying in the Eldorado online store).

It is important to note that 1.5% cashback in the form of Eldorado bonuses also applies to payments made in the Home Credit Internet Bank, including housing and communal services, communications, Internet, state duties, taxes and fines!

This is a significant, very significant advantage of the card! Finding a free card that accrues cashback for the same utilities is an almost impossible task, so the new card has a significant advantage in this aspect over other cashback cards.

You don’t even have to use this card as your main one, but, for example, only pay for housing and communal services and communications with it - in any case, the bonuses accrued for such payment will not be superfluous.

Bonuses “live” for 180 days from the moment they are credited, so have time to spend:

Bonuses are awarded for any card transactions, except:

How to exchange accumulated bonuses for a discount?

When paying in a retail store, tell the cashier that you want to write off some or all of the bonuses. Bonuses are written off at a rate of 1:1 and in relation to the purchase made are a discount:

When paying in the online store eldorado.ru, when placing an order, select your card to write off the bonuses accrued to it. Bonuses will be withheld and transferred to the same “Reserve” status that we wrote about above. As soon as you receive the goods (by courier or pick-up in the store), the bonuses will be completely debited.

Whatever method you use, even if you have enough bonuses to pay for the entire purchase, at least a ruble, you will have to spend - in any way - in cash, from a Home Credit - Eldorado card or from some other card:

It is somewhat reminiscent of the rules for writing off bonuses - there you also need to pay at least a ruble to get a 99% discount.

You can exchange bonuses for a discount for any purchases in Eldorado, except:

Thus, if the check contains at least one item from this list of exceptions, you will be able to exchange bonuses for a discount for the entire remaining amount of the check, with the exception of the amount of this item and 1 ruble.

Credit line card Home Credit – Eldorado

This card allows you to enjoy a 51-day grace period.

Detailed rules for the grace period on a credit card are described in.

The interest rate for purchases on the card is 33.9% per annum, which is quite high. But if all debt is paid off during the grace period, it will be equal to zero.

Therefore, here, as elsewhere, we recommend using Bank credit funds only if repaid within the grace period. Otherwise, the whole point of accumulating bonuses will simply lose its meaning - all these bonuses, even assuming that these are real rubles, will be “eaten up” due to such a high interest rate.

The maximum credit limit can be up to 300,000 rubles, the minimum payment is 7% of the debt amount.

Home Credit – Eldorado card has limited functionality: you cannot withdraw cash from it.

This restriction may be for the benefit of the client, because will not lead the client into “credit bondage” due to traditionally large fines and fees for withdrawing money from a credit card. Therefore, we use the card only for purchases and making payments in Home Credit Internet Banking.

Neither the tariffs for the card nor the conditions for calculating cashback contain a requirement to make purchases strictly at the expense of the credit limit. Therefore, if you don’t like credit cards, but the conditions for accruing cashback on this card interest you, the card can be used as a regular debit card: just place your own money on it and spend it, not paying attention to the credit limit and other features related to servicing a credit card.

The SMS package service is paid and costs 59 rubles per month, but is applied only if at least one transaction was made on the account during the month.

By default, the SMS package is disabled. You can activate and deactivate the service in Internet Banking and the mobile application.

The Bank's remote services are free, functionality and interface are decent:

The card does not have a contactless payment module, it also cannot be added to Samsung Pay or Apple Pay, and it seems that it cannot be added to Android Pay either - Home Credit Bank has not expressed a desire to connect to this technology.

Who is the Home Credit – Eldorado card suitable for?

1. For those who like to make purchases in Eldorado and who want to accumulate Eldorado bonuses faster;
2. For those who are planning to make a large purchase in Eldorado;
3. For those who would like to receive 1.5% cashback on all purchases (instead of the standard 1% as with most other cards);
4. For those who want to get a free credit card, which can also be used simply as a “debit”;
5. For those who want to receive cashback for paying for housing and communal services, cellular communications, the Internet, state fees and fines.

Even if you visit Eldorado occasionally, it’s worth getting a card at least for the last reason - you still have to pay for utilities, so why not get bonuses for this, which you can then spend on paying for something in Eldorado? How will you use the new card?

Here I publish information about the activities of various banks, both commercial and state-owned. I am describing all my experiences and experiments here so that you, my dear readers, do not step on the same rake that I stepped on, and this applies not only to loans, but also to other banking products - deposits, issuing plastic cards, and various other services.

So, I present to you an interesting and instructive story about how a year ago I took a laptop on credit from the well-known Eldorado store. In general, I urgently needed a laptop for work, so I decided to buy an inexpensive one (up to 15 thousand rubles). I didn’t have the required amount, and therefore, after consulting with my wife, we decided that we’d take it on credit, but anyway, we’d pay it off earlier.

We went to Eldorado, picked up a Lenovo laptop and accessories for it, exactly 15,000 rubles. The seller persistently tried to persuade you to take that thing over there and that one over there - feel free to reject such sellers, Eldorado sellers have an obsessive mania to sell you as many goods as possible. Apparently they teach them that way)) But that’s not the point.

They printed out an invoice for us on our laptop and we went to the credit experts. Since my wife had a positive credit history with Home Credit Bank, we immediately went to him. The laptop was really needed, so this is what they calculated for us (and we agreed to absolutely pick up the laptop right away). Now you will see how unnecessary services are being sold to all of you. Go:

For no apparent reason, suddenly the loan amount became 16,900 rubles. How is it that it seems like it was just 15,000 per laptop? It turns out that we were given insurance against job loss on our own; it costs 1,900 rubles a year. We were told that if we don’t take out job loss insurance, we probably won’t be given a loan. This is complete bullshit, they will give you more. So, carefully read the terms of the contract and if you see insurance, tell them to remove it for you.

Payments are fixed, one amount every month. We got 1740 - reasonable for the money, so we agreed. The total amount we will pay for the year is 21,000 rubles. You figure it out, the laptop costs 15,000, but we’ll pay 21,000 for it. The overpayment is almost 6,000 rubles a year. Although many people do not pay attention to how much they overpay, the most important thing for them is that they are satisfied with the amount of the monthly payment.

We overpaid 3,600 rubles for interest and plus 1,900 for insurance.

So everything is transparent and good if you are satisfied with such amounts of overpayments. It is worth noting that this bank does not have any hidden or fraudulent commissions. If you carefully read the terms of the agreement and directly ask the credit expert about the amount of overpayment, you will find out how much you will overpay and for what. Whether it suits you or not is up to you to decide.

If you take out any household appliances on credit, then everything is more or less fine. But try to take out a loan with money and you will feel the difference. First of all, they will immediately charge you money for issuing a personalized plastic card; this service costs approximately 1,500 rubles. I repeat, this applies to taking cash on credit, for example, a regular consumer loan for urgent needs. Later I’ll tell you how we took 20,000 rubles for a wedding (it wasn’t enough) - the overpayment there was simply amazing. So don't miss out.

Recently, the market for loan offers in Russia has stabilized. Almost all credit institutions issue funds to clients at the same interest rates. To distinguish their organization from everyone else, banks began to offer fast credit cards with additional bonuses and an excellent service culture.

There were so many offers on the market that it was already difficult to distinguish one credit institution from another. The main feature of instant cards is that many residents of Russia can receive them in a short time and only with a single passport, without income certificates and other mandatory documents.

Clients no longer need to collect dozens of papers, as was the case before. After all, the process has been simplified several times. This is the best feature of this product. However, it is important not to forget about the other side, which does not always involve favorable conditions for clients.

Key terms

All clients who contact the bank receive the following conditions:

• instant credit cards are more expensive to issue than their counterparts;
• the loan is charged a higher interest rate for the use of finance;
• credit limits are much lower than other cards.

Now home credit is trying to create the most loyal lending conditions for clients. Borrowers can apply for a credit card for their purposes in the shortest possible time by filling out an application online.

Benefits of an instant credit card

Now a home loan credit card has the following advantages:

• the registration procedure takes no more than 30 minutes;
• if there is no debt, clients do not need to pay anything;
• over time, the size of the credit line increases;
• To obtain a card you need a minimum package of documents;
• There is no service fee.

For this reason, customers can order credit cards on the bank’s website at any time and enjoy all their benefits.

Credit cards

Home Credit Bank currently offers the following credit cards:

1. Visa Platinum. To apply for it, you do not need income certificates. Clients have 5% bonuses at “Gas Stations” and “Restaurants”. The interest rate of such a credit card ranges from 29.9 to 49.9%. Maintenance per year costs 4990 rubles.
2. Visa Gold. To obtain it, you do not need income certificates. Cardholders can receive a 3% bonus in the “Gas Station”, “Cafe” and even “Travel” categories. Maintenance per year is 990 rubles. Interest rate from 33.9 to 49.9%.
3. Home Credit - Eldorado. The card is issued without income certificates. Interest rate – 33.9%. Bonuses up to 5.5% are provided in all Eldorado stores. When paying for orders in the online store, you can receive bonuses in the amount of 3.2%. And for purchases from other organizations 1.5%.

In all cases, cards are issued free of charge and within 15 minutes. The credit limit is up to 300 thousand rubles. The grace period in all cases is 51 days. You can also connect to these cards an SMS package, Internet banking, insurance, mobile banking, and email notifications.

It is important to know that the bank has also provided a system of fines for borrowers who violate the terms of use of funds. After the first delay, customers will have to pay 500 rubles. If there is a delay in the second month, the borrower will need to pay 1000 rubles, and for the third month – 1500.

How to get a credit card from Home Credit Bank?

Recently there has been good news that you can get a credit card quickly and for any purpose. First, an application for a credit card is submitted, which includes the following information:

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Marketing tricks of bankers

If you are going to place your free money in a deposit or take out a mortgage, then first of all you are looking for the most profitable programs. Financial institutions, of course, respond to these signals and throw tempting offers onto the market. In this article we will talk about what tricks banks resort to to retain and expand their circle of clients.

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From point A to point B: how to transfer money within the Russian Federation

Probably every person at least once faced the need to send money to another city. Previously, to do this you had to go to a post office or bank and wait in line. Now there are many more ways available: through terminals, ATMs or mobile phones. We talk about all the options in terms of benefits and speed.

• Far Eastern hectare: develop and build

  More than 100 thousand people have applied for a “Far Eastern hectare”, and 40 thousand plots have already been provided for free use. Their owners plan to build houses, conduct agricultural and other activities. We will tell you in this article what kind of support they can count on.

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Save and increase: where to invest dollars

For those who have accumulated a stock of US dollars, the question is whether it is possible to “place” them in our country and make money on it. Let's talk about several ways to invest American currency that can bring income.

• What is SMS credit

  Today, to apply for a loan, process it and receive money, you do not need to visit a bank branch or microfinance organization. This can be done remotely - by phone, through an online form on the financial institution’s website, in your personal account, and even by SMS. In this article we will talk about how and where you can get an SMS loan and what its advantages and disadvantages are.

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Features of national crowdfunding or how to chip in correctly for a startup

If you had bought $1 worth of Apple shares twenty years ago, you would have earned approximately $22,300 today. Read about whether there is a chance to invest your hard-earned money just as successfully in 2018 in this article.

• Golden offers for the golden age. The best cards for pensioners

  Before retiring, a person should decide how he would like to receive his pension: through Russian Post or in a bank. Read about which Russian financial institution treats older people better and where it is worth opening an account in this article.

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Plastic for superheroes. What cards would comic book characters use in Russia?

Heroes and villains of the DC and Marvel universes often behave like ordinary people: they go shopping, eat in restaurants, travel. We decided to get creative and choose profitable bank cards for popular comic book characters. Will Russian banks be able to satisfy superhero needs? Read our article.

• Multicurrency card: why you need it and where to apply for it

  A multi-currency card will help you free up space from excess plastic in your wallet, save money on purchases abroad and exchange currency in a couple of clicks on your smartphone. We'll tell you where to order and how much you'll have to pay for convenience.

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5 ways to overcome the financial crisis

I would like to think that a financial crisis is something that happens to others. In reality, anyone can find themselves in a situation of debt due to difficult life circumstances or a simple inability to use credit products. We have collected 5 practical ways to help you get out of a financial crisis.

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Where can a student get money?

The minimum scholarship for bachelor's, specialist and master's degrees in Russia is 1,340 rubles. If you study well, you can count on 5-7 thousand rubles, but in any case it is impossible to live on that kind of money. We tell you where students are given loans on favorable terms and what to pay attention to so as not to create problems for yourself and your parents.

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Tickets to summer: travel cards

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The bank demands to repay a loan that I did not take out. What to do?

A letter from an unknown sender or a call from an unfamiliar number usually does not bode well. At best, they will load you with advertising, or even give you an unpleasant surprise. Such a surprise may be the bank’s demand to repay a loan that the person did not take out. We will tell you how to behave in such situations in this article.

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Taxable income when writing off a loan debt

Imagine the situation: a bank client took out a loan, but was unable to pay it off. Neither the bank nor the collectors were able to collect the debt, and after some time the borrower receives a notification that his debt has been written off. But it’s too early to rejoice: you will have to pay tax on the income received.

• Priority Pass or how to feel like a VIP

  Airport VIP lounges are designed for travelers who prefer comfort while waiting for a flight. There are several ways to get into this zone, which is inaccessible to most passengers: buy a business class ticket, pay money for entry, or participate in the airline’s loyalty program. But the most universal one is the Priority Pass card.

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What to choose – Priority Pass or Lounge Key

For those who fly frequently and prefer to travel in comfort, spending many hours in noisy and crowded airport terminals is real torture. Participation in one of the international programs for access to airport lounge areas can be a salvation. In this article we will talk about two of them – Priority Pass and Lounge Key.

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Chargeback: how to return money to your card and not get into trouble

Paying for goods or services with a bank card is modern, fast and convenient. True, sometimes misunderstandings arise during such operations. But even if the item paid for by card is not received, the problem can be resolved without going to court - with the help of a chargeback.

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Do anti-collectors help debtors?

The lending market gave birth to collectors, and then the opposite force to them - anti-collectors. Borrowers who have fallen into a debt trap turn to the latter. In despair, a person cannot correctly assess the situation and clutches at straws. Whether “debtor’s defenders” will bring benefit or harm depends on the situation.

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Increasing the loan rate: legal or not

Loan interest is a sore subject, but borrowers are even more concerned about the issue of changing it. Concerns are most often unfounded, and the bank will not unilaterally increase the interest rate on the loan. But there are exceptions to every rule.

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The statute of limitations is a period the completion of which frees the borrower from the prospect of prosecution by the bank. The theory is based on legislation, namely, the Civil Code of the Russian Federation. In practice, questions arise about the methodology for calculating the deadline. Often the loan has to be repaid even after the cherished 3 years.

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What to do with the debt to the bank if you are drafted to serve in the army

Defending the Motherland is a sacred thing, but not always rewarding. Men liable for military service risk finding themselves in a situation where they find themselves in debt not only to the country, but also to the bank. Taking out a loan before the age of 27 is not a problem, but how can you repay it if you have to march past a bank branch for a whole year?

• What's in my name: a list of bank names

  According to the Central Bank of the Russian Federation, as of June 26, 2018, there are 898 credit institutions in Russia. Of these, 62 are non-banking. Not every one of the remaining 836 banks was imaginative when choosing a name. With which banks everything is clear from the first word, and which names make you think – we’ll tell you in the article.

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What to do if you were deceived when buying online

The average bill of a person deceived while shopping on the Internet is 15 thousand. rub. It is difficult to calculate how many people were left without goods and without money. Not all victims report incidents because they believe that it is impossible to return the money. This is wrong. We tell you where to look for justice and how to protect yourself from scammers.

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How to lend money correctly

Situations when someone asks to borrow money are not uncommon. If there is an opportunity to help, people help. But when we are talking about a large sum, it is worth borrowing wisely, without neglecting the rules of the law. This approach will help guarantee a return.

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How to interact with collectors correctly

The practice of obtaining loans in Russia has been actively developing since the beginning of 2000. In parallel with this, the number of collection agencies collecting debts from would-be borrowers is growing. This year, collectors plan to return 14 billion rubles, which means that the risk of becoming their “client”, even without a debt, is rapidly increasing.

• Numismatics: how to make money on coins

  Numismatics is an interesting hobby and a way to earn money. If you have a ten-ruble note “Chechen Republic” from the “Russian Federation” series lying around, consider that your budget has been replenished by 10 thousand rubles. Of course, about 95% of coins are already concentrated among enterprising collectors, but there is a chance that your profit is hidden among the remaining 5%.

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Cards with free insurance policy

Many people know that banks offer cards with bonuses for travelers. But not everyone knows about an additional service - free insurance for those traveling abroad. Next, we will tell you why you need a temporary insurance policy abroad, what it protects against, and what bank offers you should pay attention to.

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6 mistakes when using credit cards

A credit card is a profitable way to borrow money from a bank. If the borrower uses the instrument correctly, he does not pay interest. However, not everyone understands how this scheme works. Many people make mistakes that cause their debt to snowball. Next, we will consider the most common ones.

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Cards to save on taxis

Bank card holders can save on taxis in several ways: receive cashback for trips, exchange points for taxi certificates, and also receive discounts when ordering cars. Such privileges are available to owners of both credit and debit plastic cards. Let's talk about the banks' offers in more detail.

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Currency transfers abroad

When transferring money abroad, pay attention to the commission, the term for crediting funds and security guarantees. There are three main ways: through a bank, using electronic payment systems or international fast transfer systems. Next, we'll talk about the pros and cons of these options.

• Not like everyone else: bank cards with creative designs

  The desire to stand out, to have something non-standard is typical for many people. Bank cards are no exception. Financial institutions, catching the needs of clients, produce plastic with an exotic design. We will talk about such cards in this article.

• Concierge service: as a personal assistant

  The life of business and simply active people is filled with interesting and important events. And sometimes they have neither the desire nor the ability to engage in routine or spend time searching for the necessary information. In such cases, assistants, secretaries and concierge services come to the rescue. We'll talk about it in this article.

• How to pay for a purchase in a store without money or a card

  Apple, Google and Samsung Pay are no longer perceived as dirty words. Most people with a smartphone and a superficial understanding of banking products have heard about these contactless payment systems for purchases. We will tell you how to gain access to technologies in this article.

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Aeroflot Bonus: savings and comfort

“Fly with Aeroflot planes!” - an advertisement from the times of the USSR called for it, as if people had a choice. Nowadays there really is a choice, and airlines, operating in a competitive environment, use various marketing techniques to maintain and expand their customer audience. One of them is Aeroflot Bonus, which we will talk about in this article.

• Russian Railways Bonus: traveling with benefits for your wallet

  The railway, despite growing competition from road and air carriers, is used by many. But not everyone knows that traveling by train can be made not only enjoyable, but also profitable. Russian Railways (RZD) encourage passengers, and we will tell you how to take advantage of this in the article.

• What is an individual pension plan

  The average insurance pension of a non-working pensioner as of January 1, 2018 is 14,329 rubles. Agree - the money is more than modest. One way to increase the level of income for a future retiree is to sign up for an individual pension plan (IPP).

• MCC: “kitchen” of rewards for plastic cards

  Banks include cashback and participation in discount (bonus) programs in the terms and conditions of many plastic cards. Holders receive rewards for certain transactions, usually for paying for purchases. You can find out which trade and service enterprises (TSEs) participate in programs and promotions using MCC, which we will discuss in this article.

• 5 ways to transfer money without commission

  Money transfers are one of the most popular financial services. There is a fee for such transactions. However, this is not a general rule. There are several ways to transfer money without commission, and we will talk about them in this article.