What catches your eye in the line of credit cards from Home Credit Bank is the CashBack Gold card with its unique feature - a 3% return on the amount of any purchases. Undoubtedly, there are representatives of the card “fauna” who return 5%, but only in bonus categories (gas stations, restaurants, etc.), such as Gold from VTB24. In our case, you have the right to cashback from any (!) purchase. Even the 13% tax (personal income tax), which the bank deducts from your reward and reduces the cash bonus to 2.61%, will still not affect the attractiveness of the card, because you won't find a better option. But to take advantage of all its advantages, you need to know how to use it. See all the details in the review.

Lending terms		Card service		Owner requirements
Maximum credit limit	500,000 rub.	Issue fee	For free	Age	from 25 to 64 years old
Interest rate	29,9%	Annual maintenance	2988 rub.	Documentation	according to 2 documents
Grace period	up to 51 days	SMS notification	50 rub.	Bonuses
Minimum payment	5 minutes. 500 rub.	Validity	3 years	Loyalty program	Discount program "City Map"
Grace period for cash withdrawals	No	Withdrawing cash from an ATM using a loan own / someone else's	349 rub. / 349 rub.	Interest on client balance	No
Delivery options: mail/courier	Not really	Using your own funds	Maybe	Cashback (refund)	3%
Advantages	Large amount of Cash Back (return of funds to the account)
Flaws	High annual interest rate, large commission for SMS notifications, commission for withdrawing your own funds from bank ATMs, the grace period does not apply to cash withdrawal transactions, significant sanctions for late payments

CashBack Gold Home Credit Bank

Credit limit max.:

Bet min.:

Grace period:

Annual maintenance:

If the debt at the end of the billing month is less than 500 rubles. monthly commission 0 rub., otherwise 249 rub.

Lending terms

Maximum credit limit

Interest rate

Grace period

up to 51 days

Minimum payment

5 minutes. 500 rub.

Grace period for cash withdrawals

Delivery options: mail / courier

Card service

Issue fee

For free

Annual maintenance

SMS - informing

Validity

Withdrawing cash from an ATM using your own/someone else's credit

349 rub./349 rub.

Using your own funds

Maybe

Owner requirements

from 25 to 64 years old

Documentation

according to 2 documents

Loyalty program

Discount program "City Map"

Interest on client balance

Cashback (refund)

Large amount of Cash Back (return of funds to the account)

High annual interest rate, large commission for SMS notifications, commission for withdrawing your own funds from bank ATMs, the grace period does not apply to cash withdrawal transactions, significant sanctions for late payments

More information about tariffs and conditions

Gold cashback from Home Credit Bank

In their reviews, holders of this plastic card recommend applying for a Gold card right away because of its high cashback. You just need to take into account that the amount from which the funds are returned will be limited by the size of the credit limit (no more than 500 thousand rubles).

A lightweight card from the bank family () will return a little less back to the account (2% minus 13% tax), but the conditions for receiving it are simpler, and the limit is only 10 thousand rubles (it is difficult to increase it later). Gold has a limit of 10 to 500 thousand, but it is also more difficult to obtain.

The age limit is increasing (from 25 to 64 years) and in addition to a passport, you must provide two documents - the solvency will be checked more thoroughly (for persons with a defect, the chances are significantly reduced). Work experience – at least 3 months at the last place of work and permanent registration in the region where the card was issued.

Another significant difference of the gold card is the increased monthly fee for servicing the credit limit: 249 rubles. versus 149 rub. on a light card. With such a commission (2,988 rubles per year), the cashback will indeed be “golden”, but, fortunately, the terms of the card product provide for the possibility of not paying this commission if at the end of the billing period (not to be confused with the payment!) the debt is less than 500 rubles Read more about periods in the article.

Servicing the card will be free if we pay off the debt before the end of the billing period, in other words, our grace period is reduced to 30 days (from the beginning to the end of the billing month).

There are no more differences between gold and the Light version card. Interest rate 29.9%, minimum payment 5% (min. 500 rubles), grace period 51 days (does not apply to cash withdrawals), paid SMS notification (50 rubles/month), significant penalties. Extortionate commissions RUB 349. for cash withdrawals (and also their own funds from their own ATMs) clearly indicate the bank’s attitude towards such operations.

At first, you will be given a non-personalized card (which has restrictions on the limit of money withdrawn and a ban on payment on the Internet), and then they will send you a main registered card by mail (you can also get it at the branch).

How to use CashBack Gold Home Credit Bank with benefits

All the service nuances and problems are the same for the Home Credit Bank family of cashback cards. We have prepared something like these maps for you, where we are directing you so as not to repeat ourselves in this review. It is highly recommended that you familiarize yourself with this material in order not to step on the same rake (judging by the reviews, people often do not understand where the commissions come from). There are basic recommendations on how to make the card truly profitable and profitable.

Additionally, we will only give the calculation of cashback depending on turnover (purchases only):

• Turnover 10,000 per month - we get 261 rubles (3,132 per year);
• Turnover 20,000 per month - we get 522 rubles (6264 per year);
• Turnover 30,000 per month - we get 783 rubles (9,396 per year).

As you can see, even if you pay a monthly fee (249 rubles), all costs are more than covered by the return of funds on the card.

The number of debit and credit card holders is steadily growing. Plastic makes paying for goods much easier. Cafes and restaurants are willing to withdraw funds. The cashback service earned from Home Credit Bank becomes a tool that helps you save a lot of money and get some of your money back.

The affiliate network has exceeded 20 thousand and continues to grow. In addition to installments from 4 months to a year, you will be able to accumulate bonus points and exchange them.

Review of cashback service from Home Credit Bank

The goal of cashback is to attract customers, leading to increased sales and successful promotion of banks. It is necessary for both established financial institutions and newcomers.

Banking services are expanding, and a close relationship is emerging between the seller and the buyer, where a convenient service becomes an intermediary. The percentage of money back on plastic varies and ranges from 1 to 10.

The capabilities of the card owner are significantly expanded. Shoes, clothing, linen, household appliances, electronics, toys and books are purchased. Tickets for concerts, airfare and sporting events are paid for, and hotels are booked.

Home offers clients to use the service on preferential terms. The benefits become obvious given the constant expansion of the affiliate network. Access is provided by debit card and credit cards.

How to get compensation using cashback?

Receiving compensation is not difficult and occurs automatically after purchasing and paying for services. There are several categories that differ in interest rates.

To carry out the operation, two credit cards (Gold and Platinum) and a debit Cosmos are used. Registration takes place online. You will have to fill out an application or questionnaire and activate the service.

When visiting the office with title papers, a plastic card is issued. If a client orders a personalized card, he will be able to use an instant version with a valid cashback during production.

Program "Benefit"

An interesting program “Benefit” has been developed, which allows you not to constantly study the conditions and actively use cards in everyday life. Some differences in percentages depend on the type of plastic, which has its own program.

Depending on the type of services and regularity, points equivalent to a ruble will be awarded. In a short period of time, program participants were able to exchange about 100 million rubles.

It is preferable to monitor in real time the accrual and spent funds after activating the SMS package. The report arrives after 10 minutes and the balance is indicated. The account status in your personal account is described in detail.

Programs for credit cards

The amount of compensation depends on the credit card. The potential owner will be able to make a comparison.

The Platinum package gets priority and helps you get back a good amount of money spent in one month. You will be able to save a lot of money in a year.

For the map "Space"

The product "Cosmos" received a positive review. The benefits arise from the moment of purchase, not to mention the savings on purchases.

1. Plastic is ordered on the website by filling out a simple form. Receipt takes place in the office.
2. A store that is part of the affiliate network is selected.
3. The window indicates the number printed on the front side.
4. The product is selected and added to the cart.
5. Points are awarded immediately after payment.
6. In Booking.com the rate approaches 2 percent, Aliexpress - 5, MotherCare - 7 and Lamoda - 10 percent.

Traveling, eating in restaurants and cafes, and refueling with gasoline are included in the 3 percent category. Various purchases are guaranteed to earn 1 percent, especially if they are made outside the affiliate network.

How to use points?

Bonus points are awarded no later than 5 days from the date of payment. They are converted into real money, subject to restrictions. The monthly ceiling reaches 2,000 rubles and reaches 3 thousand when using a rate of three percent.

10 days are allotted for the receipt of funds, sufficient for debiting in the Internet bank after expenses have been incurred. Reward points expire if not redeemed within 12 months.

Cards with cashback

On Gold and Platinum the limit ceiling reaches 300 thousand rubles. The interest rate starts from 29.8 per annum. There is a grace period of 51 days. There will be a 4.9 percent commission for cash withdrawals. The minimum payment will be 5 percent of the debt plus a specified percentage.

The difference is in points from 1 to 3 percent for Gold and from 2 to 5 for Platinum. When paying for services in the first case, the rate will be 34.9, in the second - 29.9 percent. True, Platinum service reaches 2990 rubles and this is two thousand more expensive than a similar credit card.

List of benefits

Applying to Home Credit immediately brings the first benefits, taking into account the link to cashback and the “Benefit” program. Potential client:

• acquires the necessary types of cards that complement each other;
• You will be able to pay utility bills and communication services, taxes and fines without a commission;
• for management and timely notification, a personal account, the “Mobile Bank” application and an SMS package are created;
• after transactions, the client receives a notification and finds out the account balance (they will also be able to receive an email);
• innovative technologies make shopping in online stores and when paying by card safe;
• insurance is provided to reduce risks.

Home constantly develops programs that are interesting with reasonable rates and the absence of strict requirements. The greatest savings occur when purchasing from a partner network.

Accrual scheme

The accrual scheme is no different. One point is equal to one ruble. Certain limits have been established, and calculations are carried out using an online calculator located on the website. You will be able to save and convert from 2,000 to 3,000 rubles per month.

Conditions of registration

Purchasing and issuing a card takes a little time. All you need is a laptop or tablet:

• registration takes place on the Home portal and a personal account opens;
• a card is selected, a questionnaire is filled out or an application is sent online;
• approval will lead to the collection of papers to verify information in the application;
• the issuance of a non-named card will take place at the nearest branch, where the documents will be checked at the same time;
• the list includes a passport of a citizen of the country and an extract from the place of work for the last 3 months;
• personalized plastic will be made after a certain period, and during this period you will be able to use an instant card that includes cashback.

The passport will prove citizenship and a registration stamp in the region with the Home branch. Lack of work will not be an obstacle to the regular accrual of income to the account. The age range is from 21 to 64 years. As a replacement, they take a foreign passport, pension and driver’s license.

Advantages and disadvantages

Summing up, you can again evaluate the specific advantages of cashback and pay attention to the disadvantages inherent in cards.

• The simplified registration procedure and collection of the minimum package looks very attractive (there is no concept of collateral and guarantee);
• you will be able to manage an amount from 10,000 to 300 thousand rubles and calmly pay for purchases along with services;
• the “Benefit” program helps accumulate points and allows cash withdrawals before the end of the billing period;
• savings of up to 10 percent or more occur when purchasing from Home partners;
• The repayment scheme has been well thought out, allowing for many methods (it is especially easy to use mobile and Internet banking).

• the lending rate of 29.9 percent is still quite high, in reality it reaches an average of 32.9;
• during registration, misunderstandings arise on the part of managers, processing and issuance times are delayed, and unnecessary services are included;
• employees try to impose insurance without explaining its merits (refusal leads to an increase in the rate).

Gold

Cashback

• 1% on everything
• 3% in categories: gas stations, cafes and restaurants, travel
• 5-10% when purchasing from partners

Return: points
Accrual: 1 point = 1 ruble
Can be spent

Commission: 990 rub./year

Premium

Cashback

• 1.5% on everything
• 5% in categories: gas stations, cafes and restaurants, travel
• 5-10% when purchasing from partners

Return: points
Accrual: 1 point = 1 ruble
Can be spent: in any stores (everything is transparent!)

Commission: RUB 4,990/year

Peculiarities

Exchange points for any purchases without any restrictions: just select a purchase in the Internet bank.
Possibility of replenishing your mobile account using points

Maximum cashback: 2,000/3,000 (see categories) points/month.

The following conditions are the same for premium and gold cards:

Credit limit– up to 300,000 rubles
Interest rate– from 29.8% per annum
Interest-free period– up to 51 days

Leaders in debit card ratings

Leaders in credit card ratings

Home Credit "Polza" Gold and Platinum with cashback, reviews:

Are you using a card? You can rate it and help others make their choice!

Cashback purchases are primarily associated with banking products - it was the banks that initially offered their customers money back for purchases made in partner stores. This is the meaning of cashback - literally this term is translated from English as “cash return”. Banks did not stop there and went further, offering to return money to customers for using their own products.

Biglion offers cashback from Home Credit Bank, one of the leaders in the banking sector in servicing individuals. Taking advantage of the offer is simple: registered Biglion users automatically become participants in all promotions held jointly with partners. You just need to meet simple requirements and the bonus will not be long in coming. In addition, by joining the company of friends Biglion and Home Credit, you will experience all the benefits of working with the bank:

• Focus on the needs of the bank's clients: the focus is on a person with his own desires and capabilities;
• European service standards;
• 24/7 customer support: call center and home chat for you;
• Possibility to submit an online application to open a deposit, loan or investment account;
• Branch network throughout the country: from Kaliningrad to Khabarovsk;
• A convenient application for smartphones and tablets, as well as the Internet Banking service: manage your accounts and expenses without interrupting your main activities;
• The largest installment purchase program in the retail segment: quick decision making and low interest rates.

You feel all the benefits only when you join a large group of bank clients. It becomes obvious why Home Credit Bank is considered one of the best in the retail banking sector. And it’s not just about the favorable conditions for cashback on Home Credit cards: attention and care for the client is felt in everything.

Home Credit Bank: it’s more profitable with cashback

Despite its relative youth compared to other representatives of the credit and financial sector (Home Credit began its work in 2002), the bank has carved out its niche in the retail sector, offering clients a service that goes beyond purely banking. An extensive network of partners across the country, a variety of banking products and favorable interest rates on loans and deposits have helped make more than 32 million customers happy. And Home Credit doesn't stop there.

The following services are offered to Home Credit Bank clients:

• Opening savings accounts in Russian rubles and foreign currency, as well as investment accounts for transactions with securities;
• Credit and debit cards, including the latter - in foreign currency;
• Home Credit installment card: pick up the goods and pay later. Installment plan for any purchases is 3 months, and in the partner network - 12 months. The number of the latter has already exceeded 20,000;
• Order goods in installments directly from the bank’s website: fill out an online application, sign a loan agreement and the courier will deliver your order;
• Additional services: insurance (medical, accident, property, children, etc.), depository operations, financial protection (reduce the amount of monthly payments and increase the loan term), information services, etc.

The conditions for cashback from Home Credit stand out. It’s not just about purchases in the partner network: become the owner of a credit or installment card and receive a bonus in the form of a real amount of money. The cashback offer from Home Credit Bank is valid for every registered Biglion user - Don't miss the moment.

How to get cashback from Home Credit

Actually, this has already been said above. The main thing is to register on the www.site. The registration procedure is quick and simple and takes a couple of minutes. By becoming the owner of a personal account on our website, you immediately get the opportunity to use bonuses from our partners. Log in to your account and go to the page with cashback offers, and then follow these simple tips:

• Go to a separate section with offers from partner banks - “Credits and Loans”, and then to the Home Credit Bank page;
• Carefully read the terms and conditions for receiving cashback from Home Credit. It won’t take much time - there is no “fine print” information here: everything is transparent and understandable;
• Click on the “Buy with cashback” button and go to the Home Credit Bank website. Our congratulations - you have received the right to use cashback (if you meet the necessary conditions);
• All that remains is to take advantage of the bank’s offer, sign up for the required service and wait for confirmation. As soon as information about this appears in your personal account, we will promptly credit the cashback amount to your account.

The bank sets the duration of cashback confirmation to one month - this must be taken into account. In order not to miss this moment and the transfer of funds to your personal account, go to your personal account and follow the updates. Information about your purchases and accrued cashback for each partner is stored and available to users.

• Possibility to issue additional cards
• Payment without commission for housing and communal services and communication services, fines, duties and taxes
• Information service SMS package
• Internet banking and mobile banking (iPhone, Android, WindowsPhone)
• Notifications by regular mail and email
• Secure online purchases using cards with 3D-Secure technology
• Contactless payments PayPass and PayWave
• Bank card insurance

How to apply

• Fill out an application on the website and receive a special offer from the bank
• Conclude an agreement at your nearest office
• Get the card and activate

Requirements for the borrower

• Russian citizenship
• From 21 to 64 years old
• Permanent registration in the region where the bank operates
• Constant source of income
• Work experience at the current place of 3 months
• Availability of a landline work telephone
• Having a home or mobile phone

Required documents

• Russian passport

About the bank

The bank was founded in 1990. Initially it was registered in Zelenograd. In 2002, HomeCreditGroup was purchased.

In 2003, the bank was renamed Home Credit and Finance Bank. The central office of the bank is registered in Moscow. The bank operates under license No. of the Central Bank, issued on March 15, 2012. The international agency Fitch assigned the bank a credit rating of B+ with a “Stable” outlook. Home Credit is a commercial bank focused on retail lending. The bank ranks 1st in terms of the number of POS loans issued. The partner network of stores includes 90,000 organizations. The bank ranks 11th in terms of the number of credit cards issued. Home Credit strives to become a universal bank. Develops cooperation with the corporate segment and offers salary projects.

The bank has branches in 2,000 cities in Russia. The service network consists of 7 branches, 280 own offices and 100,000 points in partner stores. The ATM network includes 440 ATMs and 330 terminals. Post offices of the Russian Post accept payments in favor of Home Credit. The bank's social activity is focused on projects to support children. Home Credit helps children's creativity in the “Children Draw!” program. The Blue Bird Project funds the education of children from low-income families. The Bank conducts programs to improve financial literacy. The bank's liabilities are 60% formed by deposits of individuals. Funds in enterprise accounts - 13%. Bank's own funds - 14%.

In the structure of assets, 76% are loans. Retail loans make up 90% of the loan portfolio. Investments in securities - 11% of assets. In 2016, Home Credit earned 6 billion rubles. Home Credit Bank's retail products include deposits, consumer loans and card products. The bank provides insurance services. The client base of individuals is 30 million people. There are 5 million bank card holders among them. The “Benefit” bonus program allows you to receive cashback in the form of points when paying for purchases with a card. Increased accrual in categories - restaurants, gas stations and travel. After debiting payment for goods and services in the bank's partner stores, you can compensate for the payment with accumulated points.

You will learn how to log into your personal account on the official website of Home Credit Bank online. Detailed instructions for convenient and quick access to homecredit.ru with screenshots and video instructions. A visual guide to recovering a forgotten password for your bank account. We provide only the most current information.

Answers to popular questions

How to activate a new card?

Home Credit cards are issued blocked to prevent use by other persons. You can activate the card