Home Credit Bank offers favorable conditions for credit cards. To understand how this is a profitable offer for users, let's take a closer look at what a Home Credit credit card is and the conditions for obtaining it.

What is Home Credit

A Home Credit credit card is a credit card with a revolving credit limit, a grace period and a low lending rate.

There are five types of card programs:

• with the benefit of Platinum;
• with the benefit of Gold;
• HomeCredit installments;
• "Fair";
• "HomeCredit - Eldorado".

Before ordering a Home Credit credit card, you need to familiarize yourself with the specific conditions and choose the most suitable one for yourself.

Grace period

An interest-free period is provided for up to 51 days for non-cash purchases on all cards. For example, if you make a payment on the 15th day of the billing period, then you can use the interest-free limit for only 36 calendar days. For cash withdrawals, interest is charged from the first day.

Terms of use and tariffs in 2018

• The credit limit is not more than 300 thousand rubles;
• %% rate - 29.8% per annum;
• % for cash withdrawals - 49.9%;
• % when withdrawing cash 4.9% (minimum 399 rubles);
• Monthly payment - 5-7% of the debt amount (minimum 1,000 rubles).

But each plastic has its own characteristics and additional conditions of use:

1. Card with the benefit of Gold:
   1. Cashback up to 10%;
   2. Maintenance - 990 rubles per year, starting from the second year.
2. Card with benefits of Platinum:
   1. Cashback up to 10%;
   2. Annual service 4 990 rubles.
3. "Fair":
   1. Cashback 5% of the amount of purchases in the Yarmarka shopping center and up to 10% in partner stores;
   2. Annual service - 490 rubles.
4. "HomeCredit - Eldorado":
   1. Interest rate - 33.9% per annum;
   2. Cash withdrawal is not possible;
   3. Points accrual: 5.5% for purchases in Eldorado, 18% for promotional goods in Eldorado and 1.5% for other purchases.
5. The HomeCredit installment card is distinguished by the absence of a credit rate and is used as an installment option for a purchase:
   1. The term is from 3 months when making purchases in regular stores and up to 12 months with bank partners (Pandora, Adidas, Kari, Ostrovok, Askona, Snow Queen, Aeroflot, and so on).
   2. Cash withdrawal is not possible;
   3. The amount spent per month is paid in equal installments throughout the entire period.
   4. Free release and maintenance.

Late payment turns the installment card into a credit card with a rate of 29.8% per annum until the debt is repaid. To control expenses, cash flows, as well as notification of mandatory payments, the bank connects SMS mailing.

Benefits and disadvantages

To make a choice in favor of Home Credit, it is worth comparing the pros and cons of plastics.

Key benefits for the client:

• Issuance of a card at the expense of the bank;
• The proposed installment plan is up to one year;
• Possibility of early repayment of the debt;
• In order to apply for a Home Credit card, you need only one document - a passport;
• Free SMS services;
• Favorable online shopping;
• Accrual of points and cashback;
• A large number of partner companies providing installment plans.

There are also some disadvantages:

• Increased interest rate in case of delay in payment;
• %% are charged on the entire amount of debt;
• Unprofitable cash withdrawal, as well as the lack of this option for some plastics;
• If the client is the owner of a credit card, for example, with the benefit of Gold, then he will not be issued an installment card, which is impossible due to an increase in the debt load;
• A banking institution has the full right not to issue any banking product without giving an explanation of the reason for the refusal.

Design Requirements

To apply for a Home Credit credit card, you must meet the following requirements:

• Possession of a Russian passport;
• Age from 21 to 65 years (at the time of application);
• Permanent residence on the territory of the Russian Federation;
• Permanent income (salary, dividends, pension);
• Non-working pensioners must provide a pension certificate.

How to issue a card

• Order a Home Credit card online at homecredit.ru;
• By calling the Call Center +74957858222;
• At a bank branch.

When applying online, you must go to the bank's website and click "Home Credit application for a credit card", fill in all the fields and submit for consideration. In a few minutes, the applicant will be contacted at the specified phone number to clarify information and identify the person.

When submitting an application, it is important to provide reliable data. If you provide the bank with incorrect information, then the issuance of a credit card may be refused without explanation.

The application for plastic is considered no more than three days. After consideration, the applicant will receive a notification with a decision. If the card is approved, then you must contact the bank branch with the original documents for receipt.

How to use credit cards

The bank offers to issue a Home Credit credit card or an installment card, on which interest is not charged. For example, such a card was used to pay for a washing machine in the amount of 48,000 rubles in a household appliances and electronics store. This store is not included in the list of partners of this financial institution, so the installment will be for three months. Therefore, the client needs to make three monthly payments of 16 thousand rubles to close the full debt.

The rest of the credit cards can be used to pay for any goods or services, make payments on the Internet, and withdraw cash. When withdrawing cash, the interest rate increases, there is no grace period. Therefore, it is beneficial to use credit cards in a non-cash way: the lending rate will be significantly lower, a grace period is applied, and cashback is charged for the amount of all purchases on the card.

It is important to make monthly payments on time.

If this is not done in a timely manner, the bank charges a fine, thereby increasing the amount of debt. If the overdue debt is not closed on time, then the client's insolvency data is sent to the credit bureaus. In the future, when applying for any other loan product, the applicant may be denied.

Replenishment of cards

Ways to replenish credit cards:

• Through the cash desk of the bank;
• Using ATMs / self-service terminals;
• If there is a debit card of the same bank, then you can instantly transfer between your accounts;
• By interbank transfer, indicating the correct details.

All debt can be repaid at any time using plastic. To do this, you need to clarify the amount in your account, via the hotline or at the branch. Then, deposit the specified amount into the account using one of the specified methods. Debt repayment occurs automatically.

Credit cards are great for those who like to shop, but desires and financial possibilities do not always coincide. It is quick and easy to issue a credit card with the most favorable conditions: just order a Home Credit card via the Internet and enjoy profitable shopping.

At the end of 2018, Home Credit Bank presented its new installment card "Freedom". It is very similar to another card product - a simple Home Credit installment card, which is no longer issued to customers. The main and only HCF Bank installment card now is the Svoboda card. The conditions, tariffs and differences of the card will be discussed in this review.

In this review, we will consider several issues related to this card:

• Terms and tariffs of the "Freedom" installment card from Home Credit.
• Product features.
• How to apply and receive a card.
• Comparison of the card "Freedom" with the cards "Halva" and "Conscience".
• Reviews and opinion of the client on whether it is worth it?

The card was announced at the end of 2018, when the head of the bank held a presentation of the bank's new product - . The name of the card is as unusual as that of the “Conscience” card of Qiwi Bank.

At its core, the new card is an improved and updated Home Credit installment card, which was issued throughout the year. Now that they have begun issuing the Freedom card. The old installment card can no longer be issued, but those who have already issued it before can continue to use it.

In general, Home Credit became the third bank in Russia that brought an installment card to the market.

Before that, the installment card has already been launched:

1. Sovcombank —. A universal card, as it can be used both for installments and for storing your own funds at a favorable percentage. Read separate overview of Halva map .
2. Qiwi Bank — interest-free installment card "Conscience". The very first interest-free installment card in Russia. All the features of this card can be found in special card review.
3. Alfa Bank- New for 2018. The card is very similar to the Home Credit installment card. Detailed review and product reviews.

Also, the service "Installment up to 12 months with partners" is available by credit cards and Russian standard.

How to use the card and is there a catch?

So, the essence of the new unique card from Home Credit Bank is that it allows you to buy goods in any offline and online stores in installments for 3 months, as well as in partner stores for up to 12 months. That is, this product has similarities with a regular credit card, which can be used to make purchases in any store, and something in common with installment cards, for which installments are available for a longer period.

Let's take an example of how to use an installment card from Home Credit. Let's say in December 2018 you bought building materials in the amount of 50,000 rubles using a card in a hardware store. This amount is divided into 3 parts that you need to return to the bank. In January, February and March, you need to pay 16,666 rubles back to the card.

If you made a purchase in a partner store, then the installment period will be longer. Accordingly, it is necessary to pay much less monthly.

Thus, having paid for your purchase during the installment period, you do not pay interest to the bank - the purchase is obtained without overpayment. After reading all this, many ask the question: "Is there a catch in this card?".

I think there is no trick in the map and cannot be. The fact is that the bank earns commissions not on its customers, which are calculated by the card and from the partners where the purchase is made. Everyone wins: the client does not pay interest, the bank receives remuneration from the partner, and the partner increases its revenue-turnover. Figuratively speaking, the bank gives money to customers and sends them to partner stores so that they spend this money with partners. A kind of advertising for certain stores. For this, the bank receives a commission from the store. And he, in turn, pays the bank, as if for advertising, for the fact that he was "brought" a client.

There are also certain disadvantages and disadvantages of the card, which are inherent in all installment cards. For example, an extended grace period (installment plan) is valid only in the bank's partner network, and there is also no possibility to withdraw cash from the credit limit. Installment cards are focused only on making purchases. This cannot be called a trick of the card, since this is a feature of all similar cards.

Tariffs and terms of service of the Home Credit installment card

Let's take a closer look at the tariffs and conditions of the Svoboda bank card in order to understand if there are various tricks and "surprises" there.

• Issuance and annual maintenance of the card- for free.
• Card reissue at the initiative of the client- 590 rubles. If the card has expired - free of charge.
• Total lending limit- from 10 to 300 thousand rubles. For card payments OUTSIDE the partner network, you can use only a part of the total credit limit, which is set individually.
• Grace period for non-partner purchases— 51 days (when applying for a card and making purchases before December 31, 2018, a grace period of 3 months is valid).
• Interest rate during the installment period- 0 percent per annum.
• Minimum monthly payment- 7% of the debt for purchases OUTSIDE the affiliate network + part of the debt by installments (for example, 1/12 of the debt if taken in installments for 12 months). Also, the minimum payment usually includes fines and commissions on the card, if any, will be charged to you.
• In case of violation of the installment terms and non-payment of the monthly payment– from 17.9 to 34.9% per annum. The rate is set individually for each.
• Penalty for delaying the minimum payment- 590 rubles.
• Cash withdrawal from ATMs- not provided.
• SMS informing on the card- free for the first 2 months, then 99 rubles per month.
• Monthly account statements- for free.
• Issuing a new pin code- 0 rubles.
• Internet and mobile banking- no commission.
• Card blocking/unblocking- also free of charge.
• Depositing cash to the card through an ATM, terminal, bank cash desk - absolutely free.

As you can see, almost everything you need is on the card without charging any fee, which is good news.

Credit card features

And now let's look at the features of the new "Freedom" installment card of Home Credit Bank.

1. The card is accepted absolutely all over the world wherever there is a payment terminal for accepting bank cards, as well as on the Internet.
2. The installment card is issued by the Ministry of Railways VISA in the CLASSIC category.
3. By default, the card is unnamed with a chip and PayWave technology. The microchip on the card makes it more secure, and the PayWave contactless payment technology is convenient. You can also order personalized plastic for free.
4. The presence of PayWave technology makes the card contactless, that is, you can pay with it simply by attaching it to the terminal. Also, the Freedom card can be linked to your smartphone in the Google Pay, Samsnug Pay or Apple Pay application and pay for purchases with your smartphone (you need the NFC function on your smartphone).
5. The card cannot be used to withdraw cash from ATMs and banks. It is intended strictly for non-cash payment for goods and services.
6. You can pay off the debt on the card at any time without commission and moratorium. That is, it is not necessary to pull 3 months.
7. The card is issued without income statements, collateral and guarantors.

Shops-partners of the "Freedom" installment card Home Credit

Among the partners of the new installment card "Freedom" from Home Credit and Finance Bank there are a lot of interesting shops and companies that many bank customers use constantly. And now there is an opportunity to receive installments there.

Here are the most profitable and popular partner stores of the bank for installment purchases up to 12 months:

• Aeroflot - 4 months installment plan.
• Network of household appliances stores DNS and Citylink - 6 months and 4 months, respectively.
• Snow Queen - 6 months.
• Furniture network Shatura - 10 months.
• Online store Vsekupi.online - 12 months.

These are just some of the partner stores. at the end of 2018, the total number of partner stores is more than 40 thousand! A complete list of partners and installment terms can be found on the bank's website.

Comparison of the "Home Credit" installment card with "Halva" and "Conscience"

So, as mentioned above, in Russia, Home Credit became the third bank that began issuing an interest-free installment card. Thus, entering this promising market, he had the opportunity to study all the conditions and reviews about the cards of his competitors - and.

Having analyzed the existing cards, the bank presented to us just the product that we now see. And let's try to compare and understand how the cards differ from each other.

1. Home did not lag behind his colleagues on the issue of naming the card, and like them came up with a very original name for his main card product.
2. Unlike Conscience and Halva cards, Home Credit Bank did not restrict its customers when making purchases using a credit limit. Clients are not tied to the bank's partner network. And this, perhaps, is its most important competitive advantage among similar cards of other well-known banking institutions.
3. On a card from Home Credit, the minimum installment period is 2 months. Let me remind you that there are a large number of stores with analogue cards that provide an installment plan for the purchase of only 1 month.
4. Unlike MasterCard "Halva", the HCF bank card is issued by the international VISA system. For some, this sometimes matters.
5. There is a limit on the credit limit for purchases outside the partner network on the Freedom card. That is, the entire approved limit cannot be spent in a store that is not a partner. Only a certain part. This will be stated in the card agreement.

How to apply for and receive a Home Credit installment card

Let's move on to the most interesting - "How to order and receive this card?". To do this is quite simple.

There are two ways to order a card:

1. Leave an online application via the Internet on the official website of the bank and get a decision almost instantly.
2. Contact the bank office and leave a request through the manager.

Due to the fact that there are often queues in the bank's offices and incompetent employees, we strongly recommend that you leave an application via the Internet, as this significantly saves your time. In addition, by leaving an application online, you immediately receive a decision - “approved or not”.

After you have left an online application and received a decision, you will need to contact one of the offices or representative office of the bank that you chose when submitting the application and receive an unnamed card. Or arrange free delivery by courier to a convenient address.

"Freedom" + "Benefit" = Profitable tandem

In Home Credit Bank, in addition to the installment card, there is another card that is very popular among customers who issue credit cards. This .

This card it is recommended to open simultaneously with the installment card, since on a debit card you can store your own funds at a favorable percentage of 10% and earn on it, and at the right time you can pay the minimum payment on your installment card from it. That is 2 free cards for different purposes.

In addition, you can transfer salaries and other payments to the card, and later withdraw them at any ATM in the world absolutely free of charge. Or make profitable transfers for 10 rubles to other banks. For example, pay loans in other credit organizations.

Necessary documents and requirements for the borrower

Before applying for a card, you need to understand what documents will be required. Here is the list:

• Passport of a citizen of the Russian Federation.
• The second document of your choice: a driver's license, "green" SNILS or a valid international passport.

P/S. According to a bank specialist, even just one passport is enough! But nevertheless, we recommend that you also provide, just in case, a second document, if possible.

Requirements for the borrower:

• Russian citizenship.
• Be at least 18 years of age and not older than 64 years of age at the time of application.
• Live in the region where the card is issued.
• Have a cell or home, as well as a landline work number.
• Have a stable salary and work in the last place for at least 3 months.

Home Credit Bank offers excellent bonus programs and cooperates with many stores, for purchases in which an increased cashback is charged. A complete overview of current Home Credit Bank credit cards is presented.

There is an interest-free period on all credit cards. It is renewable, but only applies to non-cash payments. You can withdraw money from cards at an ATM by paying a withdrawal fee. Any question that arises regarding the use of a credit card can be resolved around the clock - a hotline, Internet banking and a mobile application are working.

Who can apply for a Home Credit credit card

Any adult citizen of the Russian Federation can get a bank credit card. To apply, you do not need to visit a bank branch, the questionnaire can be filled out on the bank's website. It must contain personal, passport and contact details. After sending the questionnaire within a few minutes, the bank decides to issue a card and sends an SMS with a credit limit. The card can be obtained at a bank branch with a passport. To increase the credit limit, the bank may request additional documents or certificates confirming the client's solvency.

Requirements for the borrower

1. Age from 22 to 70 years at the time of conclusion of the contract.
2. The presence of a passport of a citizen of the Russian Federation.
3. Have a permanent or temporary registration in one of the regions where the bank operates.
4. Work experience at the last place of work for at least three months.

Types of credit cards

Home Credit Bank offers the following credit cards:

1. Card with Platinum benefits. Card with a credit limit up to 300,000 rubles. There is a renewable grace period - 51 days, applies only to non-cash payments. Interest rate - from 29.9% per annum. Maintenance costs 4,990 rubles per year. There is a bonus program: receiving cashback in the categories "Travel", gas stations, "Restaurants and cafes" - up to 5%, in other categories - up to 1.5%.
2. Card with the benefit of Gold. Credit limit up to 300,000 rubles, interest-free use for 51 days. Interest rate - from 29.4%. Annual service - 990 rubles. Cashback in the categories "Travel", gas stations, "Restaurants and cafes" - up to 3%, in other categories - 1%.
3. Map of the shopping center "Yarmarka". Card for residents of the city of Astrakhan, for bargain shopping in the Yarmarka shopping center. The limit on the card reaches 300,000 rubles at an interest rate of 26.7%. Grace period - 51 days. Cashback on the card: 10% for the first purchase in the Yarmarka shopping center, 3% for subsequent purchases, from the bank's partner stores - up to 10%. Annual service 490 rubles.
4. Map of the shopping center "M5Mall". For the shopping center in the city of Ryazan. A card with a credit limit of up to 300,000 rubles and a grace period of 51 days. Interest rate on the card - from 26.9%. Annual maintenance costs 490 rubles. Customers receive a 10% cashback for the first purchase with a card in the M5Mall shopping center. Further, 5% is charged for purchases in this center, up to 10% in partner stores of the bank, and 1% for all other expenses from the card.

Pros and cons of Home Credit Bank credit cards

Card benefits include:

• profitable bonus program;
• a large selection of partner stores;
• high credit limit for purchases;
• cashback in the form of rubles, not bonuses.

Flaws:

• expensive cash withdrawals from an ATM;
• a large penalty for late payment;
• a high percentage of refusal to issue due to a thorough check at the Credit Bureau;
• a limited number of offers for different cities of the Russian Federation.