Installment cards allow you to pay for goods and services without paying interest. However, many users banking products Such programs are scary - after all, everyone is accustomed to the fact that loans are not free.

What are installment cards?

Installment card is a plastic card, which allows you to pay for services and goods with bank money without using your own. More often credit organizations They produce such plastic together with their partners - for example, with supermarket chains, electronics and home appliance stores, etc.

In this case, the owner will return only the amount spent, without interest. This will make the monthly payment much easier: just divide the amount of debt by the number of months grace period. Difficulties with payments can only begin if payments are delayed - then the bank will apply fines and charge interest. The duration of the installment plan is determined for each client individually, but it ranges from one to twelve months.

If banks do not receive interest on such purchases, then how do they make money? The answer is simple. The point is in the partnership programs that the bank enters into with other companies. So, if large bank will invite a large chain of electronic equipment stores to partner and issue a card with a grace period; the partner will pay the bank a certain percentage of payments on such plastic. At the same time, the network itself will not be left without benefits, because, thanks to affiliate program, their influx of customers increases - and, therefore, sales volumes.

All options offered by banks differ in both additional lending conditions and credit limit. Competitive advantage has a “Halva” card, issued by PJSC Sovcombank: you can store your own funds on plastic, making a profit from it (the balance is charged from 7 to 8.25% per annum). When paying with personal funds, you can count on a 1.5% cashback.

Judging by the interest rate that applies in case of late payment, the more advantageous option is considered to be “Conscience” from Qiwi Bank and #instead of money from Alfa Bank. The overpayment percentage will be 10% per annum, while for plastic from Home Credit Bank interest rate is 29.8%.

Popular installment cards

Installment card #instead of money from Alfa Bank

The cost of each purchase is distributed in equal parts over the installment period. The day of the monthly payment corresponds to the day the card is received. The first payment for a purchase cannot be debited earlier than after 30 days

The whole world in installments, with a card #instead of money you can buy in installments in any stores around the world. The installment period for partners is up to 24 months, in other stores - 4 months.

Main characteristics

• rate from 0% to 10%
• credit limit up to 100,000 ₽
• grace period up to 730 days
• issue fee - 0 rub.
• the opportunity to issue an installment card #instead of money online
• The card is accepted everywhere, even abroad!

The undoubted advantage of the #instead of money card is the free issue and maintenance for the first year, as well as the fact that the card is accepted absolutely everywhere, even abroad.
Apply for an installment card now →

Installment card from Home Credit Bank

Main features of cards from Home Credit Bank:

• debt repayment period for purchases in regular stores - 3 months;
• period of interest-free use of money when paying for goods and services in the affiliate network - up to 12 months;
• limit from 10,000 to 300,000 rubles, set individually for each client;
• payment scheme: the cost of all goods paid for within one month is divided into equal parts, which are repaid monthly according to the established schedule;
• allowed to repay the debt early;
• for late payment, the installment plan becomes a regular loan (up to full repayment debt) from interest rate at 29.8% per annum;
• ban on cash withdrawals.

Instant payment using the Halva card of Sovcombank

The interest-free credit limit program applies only to purchases in partner network stores. Conditions for using plastic:

• credit limit - up to 350,000 rubles (renewable credit limit);
• interest-free installments for up to 1 year;
• free issue.

When analyzing the installment cards offered by banks and choosing which ones are better, please note that with the Halva card you can pay for purchases both with your own funds and with borrowed funds. In addition, Sovcombank accrues cashback - 1.5% (but not more than 5,000 rubles per month) for paying for goods with your own funds in the affiliate network.

A little about installment card partner stores

Installment cards differ from credit cards in that they are accepted only in partner stores (except for the Home Credit card and #instead of money - they can be used to pay in installments of 3 months everywhere), i.e. banks enter into agreements with enterprises in which the owners of their plastic will be able to make purchases in installments without overpayment. Each partner has its own conditions for the installment period. Each bank has its own network of partner stores, but the main partners are the same. As a rule, these are large chain stores. In every separate region local partners may be added. Don’t be upset that you can only pay with an installment card from partners. The affiliate network is quite extensive and includes several tens of thousands of stores where you can pay by card. And this network is constantly growing, new partners appear regularly.

conclusions

Having considered the possibilities of using installment cards, we can safely say that this is a new and quite promising way of paying for goods and services. In the near future there will be many offers from different banks. On this moment Four banks offer cards:

1. Home Credit Bank LLC - Home Credit installment card
2. JSC "Qiwi Bank" - Installment card Conscience
3. JSC "Alfa Bank" - Installment card #instead of money
4. PJSC "Sovcombank" - Halva installment card

These cards offer fair installment plans without hidden fees and payments. The main thing is to avoid late payments and replenish your card account on time.

On this page you can apply for an installment card “Conscience”, “Halva” online. With their help, you can make purchases at the bank’s partner companies, paying in installments. Interest is not charged on cards, and the limit is set depending on the client’s income. It takes 5-10 minutes to issue a card.

An installment credit card is unnamed card, which is issued immediately on the day of application. Its validity period is 5 years, and the maximum credit limit, depending on the bank that issued the plastic, is 300,000-350,000 rubles. Bank cards of this type provide installment plans of up to 12 months, which are set individually.

Their advantages include:

• the ability to pay for any goods – from groceries to building materials – in installments and without paying interest. The interest amount is returned to the bank by the partner store;
• wide affiliate network, in which you can pay for goods and services;
• absence down payment and fees for using installment plans;
• free registration, service and replenishment online;
• the possibility of renewing the lending limit at the client’s request: the final amount is set after assessing the borrower’s solvency.

When paying for goods by bank card interest-free installment plan, the amount of each purchase is divided into payments of equal size and quantity, depending on the period for which the installment plan was taken.

Conditions and details of receipt

Citizens of Russia aged 20 to 75 can receive a “Halva” or “Conscience” installment card. For registration, a passport is required, but if there is insufficient information, the bank may request additional documents about the client.

Using installment cards has a number of features:

• ATM withdrawals are not allowed,
• If a monthly payment is late, a fine of 290 rubles is charged, and information about the delay is sent to the bureau credit histories,
• in the absence of delays, it is possible to deposit it on the card own funds to increase the limit and pay for purchases in the partner network,
• If the loan amount is not paid after the expiration of the installment period, interest will be charged at the rate of 10% per annum on the amount that remains unpaid.

You can order a credit card with installment payment online. detailed information information about completed purchases, the date and amount of the monthly payment will be displayed in your personal account.

In 2019, installment cards are becoming increasingly in demand in Russia, so Home Credit is increasingly promoting its product - the Freedom card. It appeared relatively recently - in November 2018, but today many of the bank’s clients are already owners of credit cards from Home Credit. If you have not yet learned the details about the financial product, you can do so on the pages of our website.

Promotion! If you issue a card before December 31, 2019, the installment plan for all partners is 10 months! Hurry up to send your application now on the website https://www.homecredit.ru/wow/

In this material we will tell you in detail how to apply for a Freedom Home Credit Bank card through online application and receive it at the office.

It is worth paying attention to competitors - Halva from Sovcombank (halvacard.ru) and Conscience from Qiwi (sovest.ru). You can apply for them online on the specified official websites. These products have become attractive due to their unique features. You will learn more about them later, but for now let’s return to the topic of our article.

The procedure for applying for a Freedom credit card is simple. The bank client must satisfy a number of requirements:

• Have Russian citizenship;
• Have a permanent residence permit in a region with bank branches;
• Be between 18 and 65 years of age;
• Work on a permanent basis.

The client must have been at his last job for at least three months. If you have recently changed employment, you may have to wait. There are no strict salary requirements and you do not have to provide relevant certificates. But, if you still prepare 2NDFL and you have a good income, you can safely count on a limit of more than 100 thousand rubles.

Submit an online application for a card

To order a Freedom Home Credit card, sometimes (at the request of the manager) you need to indicate personal number phone number, as well as numbers of loved ones and superiors. Bank employees sometimes check this information, so it must be reliable. Don't forget about this when you specify the size. wages. Even if it is small, you will receive a credit card, but with a lower limit. The process of completing an online application for a Home Credit installment card will be shown in the screenshots below.

Completing an online application on the official website

In order to order a Freedom card online, just visit the official website homecredit.ru/wow/ and fill out an online application.

Please read the terms and conditions and rates in advance. If everything suits you, start entering information in the appropriate fields. The process of filling out the fields is intuitive, so there are no problems with filling out an online application for a Freedom Home Credit card. Below is a screenshot of the first and most basic page of the application.

You need to enter the following information:

• Contact phone number for communication;
• E-mail address;
• Date of Birth;
• Passport series and number;
• Information about personal monthly income.

After that, click the “Next” button. Information will appear on the page in the form of links to an agreement on the use of personal data and rules for filling out an online application. Carefully study them in detail, then check the appropriate boxes and click “Add”.

A confirmation code will be sent to your mobile number in the form of an SMS message. It must be entered in the “SMS code” field. If the code does not arrive within a few minutes, check that the entered number is correct and request the code again.

Click the “Continue” button, after which your data will be transferred to the bank. That's all, you can order a Freedom installment card from Home Credit Bank in 5 minutes online. Within an hour and a half, the application will be reviewed and a bank employee will contact you to clarify additional details. You can ask him any questions you may have and find out when the plastic will be ready.

Many clients are interested in... Let us answer directly - there is no catch, everything is transparent and honest.

Installment card Freedom

• The card is accepted everywhere
• Installment period - up to 12 months
• For registration you only need a passport
• To learn more

Apply for a card

Required documents

There are few required documents to obtain a Home Credit Bank installment card - this is one of the important advantages of this product. The main thing you should have is a passport of a citizen of the Russian Federation, and in addition you will need one of the following documents:

• a valid foreign passport;
• driver license;
• SNILS.

In addition to the passport and additional document you don’t need anything, and all other data is filled out without official confirmation in the form of certificates, invoices, etc. For example, you may be asked to indicate:

• place of work;
• employer's phone number;
• contacts of loved ones (they are needed in case of an emergency if the bank cannot contact you).

Prepare this information in advance and applying for a Freedom card will be even easier!

Halva installment card

• Accepted everywhere, 80% of applications are approved
• Low percentage in case of delay
• Limit up to 350,000 rubles and free service
• To learn more

Apply for a card

How to get a Home Credit Bank installment card?

In order to receive a Freedom card, you will only have to come to the nearest office in your city, where you will have to spend a little time filling out the form. Unfortunately, it is not yet sent by registered mail and is not delivered. courier service, and are handed over to the client.

In the office you can leave a request for personalized plastic, and while it is being manufactured, you can use the usual one. The production time will be confirmed by the manager you contact.