The Benefit bank card is Home Credit Bank’s credit products, which are serviced by the VISA payment system and have 2 variations: GOLD or Platinum. Premium plastic is equipped with a chip, which makes its use in life more secure. And during online transactions, the card is reliably protected by 3D Secure technology, thanks to which all purchases and payments are confirmed by a special code that is sent to the client’s phone in the form of SMS messages.

A kind of analogue of the Benefit credit card from Home Credit Bank is the no less popular Platinum credit card from Tinkoff. The conditions for the “benefits” from both cards are almost the same, but the minimum payment for Home Credit is lower, the interest is slightly lower, and the cashback for a similar platinum card is 1.5 times higher.

How to fill out an application for a Benefit card from Home Credit Bank?

Anyone who wants to receive a Home Credit Bank credit card that will benefit their wallet can leave their application online or contact the credit institution’s office directly.

In the first case, the borrower will need no more than 3 minutes to fill out a short online form. In it you must indicate your full name, date of birth, gender, email address and phone number, passport details, and social network account. All you have to do is check the box agreeing to the terms of information processing, after which the questionnaire will be sent for preliminary consideration.

In about 10-15 minutes, an SMS message with a decision will be sent to the borrower’s phone, or a bank employee will call to clarify personal information.

If the decision is positive, the client will need to visit any Home Credit Bank office in his city and fill out an extended questionnaire, the decision on which will also not be long in coming. The final verdict is made by the bank almost in real time based on a scoring check.

You can bypass the preliminary online application by immediately contacting the bank office and filling out an extended form.

Basic conditions and tariffs for the card

Home Credit Bank offers 2 cards of different categories, which means the tariffs for the cards will be different. Let's look at the terms of service in more detail in the table.

Conditions/maps	GOLD	Platinum
1. Credit limit	Up to 300 thousand rubles. You can get a card with a zero limit and use it like a debit card	Up to 300 thousand rubles. You can get a card with a zero limit and use it like a debit card
2. Interest rate for using borrowed funds without withdrawing from ATMs	33.9% per annum	29.9% per annum
2.1 Interest on using credit funds by withdrawing from ATMs	49.9% per annum	49.9% per annum
3. Grace period	51 days	51 days
4. Minimum credit card payment per month	7% of the credit debt + accrued interest for the current spending period + insurance (if any) + commission/penalty/penalty (if there is a delay). The amount of the minimum monthly contribution should not be less than 1000 rubles.	5% of the credit debt + accrued interest for the current spending period + insurance (if any) + commission/penalty/penalty (if there is a delay). The amount of the minimum monthly contribution should not be less than 1000 rubles.
5. Daily limit on cash withdrawals from ATMs	10,000 rub. for cards that start from 44609805 and 30 thousand rubles. for other cards	10,000 rub. for cards that start from 44609805 and 50 thousand rubles. for other cards
5.1 Daily limit on cash withdrawals at the bank’s cash desk		30 and 100 thousand rubles respectively
6. Second and subsequent release at the initiative of the client	200 rub.	200 rub.
7. Connection to the program Benefit	990 rub. in 12 months	4990 rub. in 12 months
8. Receiving cash at the cash desks of third-party credit organizations and ATMs		4.9% of the amount of funds, but not less than 399 rubles.
9. Cash withdrawals from your own ATMs	4.9% of the amount of funds, but not less than 399 rubles.	4.9% of the amount of funds, but not less than 399 rubles.
10. Insurance		0.9% of the loan debt as of the end date of the previous billing period
11. Monthly statement by mail	29 rub.	29 rub.
12. SMS notifications about transactions (SMS package)	59 rub. per month	59 rub. per month
13. Reissue of the card upon expiration, first reissue of the card at the initiative of the client	No charge	No charge
14. Cash deposits through terminals, ATMs and Home Credit cash desks	No commission	No commission
15. Block/Unblock the card	No commission	No commission
16. Monthly invoice statement via email	No commission	No commission
17. Account statement	Provided without commission	No commission

Documents and requirements for borrowers - credit card holders Benefits

Home Credit Bank is quite loyal to its clients and puts forward quite loyal requirements for potential clients. These must be residents of the Russian Federation who meet the following conditions:

1. The potential cardholder's age must be between 21 and 64 years inclusive
2. The client must permanently reside and work in the region where the bank office is present. Registration must be in the city where the offices are located
3. You must work continuously in your last position for at least 3 months
4. You must provide a work and mobile (home) phone number

These were mandatory requirements for the client. And there is a kind of unspoken list of requirements, which includes the presence of a positive credit history, a good stable salary, the absence of debt, criminal records and fines in the traffic police.

The client must have a passport and a second document to choose from the list provided: SNILS, driver's license, foreign passport. The last 2 documents indirectly confirm the client’s solvency, so their provision is most preferable.

How to get a card from Home Credit?

The borrower has 2 options: order a card issue via the Internet, or at a bank office. There is a third option - to issue a card in your personal online banking account or in a mobile application, but this is only suitable for regular clients of a credit institution who already use the bank’s services.

As soon as the borrower receives a final positive decision, he will need to contact the bank office, sign the relevant papers and pick up the card. Initially, all borrowers receive instant issue cards.

They are issued on the day of application for a couple of weeks until personalized cards are ready and delivered. They are unnamed, but have almost all the properties of such.

After about 7-10 days, the client will need to re-apply to the same Home Credit Bank office to pick up a personalized Benefit card.

After issuing a personalized card, the instant plastic card is blocked, and all money and accrued bonuses are transferred to the accounts of the new plastic card.

How to activate the Benefit?

As soon as the plastic is issued to the client, it is in “sleep” mode. There are several ways to activate your Home Credit credit card. Which one will be convenient in a particular situation is up to you to decide:

1. Upon receipt of the card, ask a specialist to activate the plastic card in the system
2. Call the bank's hotline, having prepared your passport, plastic card and contract in advance. Initially, the client needs to receive a TPIN code, with which the operator will identify the borrower without unnecessary mention of passport data and a code word.

Having received the TPIN code and identified himself, the client must inform the operator that he wants to activate the card, after which the operator will immediately activate the card.

Immediately after activating the card, the client will need to call the hotline again to receive a PIN code. To do this, just call your telephone code (TPIN) and inform the operator of your desire to follow the system prompts.

Having generated and confirmed a 4-digit combination of numbers, the client will be able to freely use the plastic card by entering a PIN code.

How to top up and withdraw money from a card Is it profitable?

The owner can top up a credit card in several ways:

• Through Home Credit Bank ATMs
• Through the cash desk of your native bank
• Through any other bank by contacting an operator
• At Russian Post offices. Such a transfer can take 10-12 days.
• Through electronic payment systems Rapida, Eleksnet, Contact and others
• Interbank transfer from card to card using account/card number. In the first case, the transfer will take 3-4 business days, in the second, the transfer will occur almost instantly.

But it will be profitable to withdraw funds from a Home Credit Bank card only at your own ATMs and only if you withdraw your own money, and not credit money. In devices of any other organizations, a high commission of 4.9% is charged, but not less than 399 rubles. A similar commission will have to be paid for withdrawing credit funds from the card at your own ATMs.

However, the client has a way to save his money on commissions by simply transferring the required amount to his card of another bank, for example, Sberbank, through Internet banking. In this case, the transfer fee will be only 10 rubles. After this, you will be able to withdraw cash from your Sberbank card without commission.

This option is only suitable if you are transferring your own money using a credit card. If you want to transfer borrowed funds from Home Credit Bank, then such a transfer will not work. The credit institution has established a ban on transfers of loan funds to individuals and legal entities of other banks.

How to check the card balance?

A potential owner of a Pozla bank card has a lot of paid and free ways to check the balance and control the account.

1. Firstly, these are SMS notifications about card transactions. If the cardholder activates this service, he will be able to receive instant SMS messages regarding the movement of funds on his card account. For example, about replenishments, withdrawals from an ATM, payment for purchases using the card and its details, transfers, payments and any other expense/receipt transactions. You can activate the service in your personal Internet banking account, using the customer hotline number. Home Credit Bank will charge a monthly subscription fee of 59 rubles for providing the service.
2. Internet banking is the best option to keep all transactions under constant control. However, it is unlikely that the client will immediately log into his personal account to check whether the transaction went through correctly, and this option will not save him from fraudsters. But in the first case, you can quickly receive an SMS about unauthorized debits from your card and have time to block it urgently. You can connect to Internet banking in the office or by phone. The service is provided free of charge.

1. Telephone bank. To begin with, the client should receive a special identification code - TPIN, which is issued by the hotline number. After this, the client can call the bank’s hotline and check the balance without contacting an operator. To do this, you need to log in to the system using TPIN, dial the agreement number, select the number “3” in the main menu and listen to the balance of available funds on the card. The number “4” in the same menu will tell you the size of the current debt.

The client can always connect to the operator and request a balance from him. After identification, the operator will name the available balance.

The ON-line assistant service, which is available on the official website of Home Credit Bank, is also suitable for checking your balance. During an online correspondence with an employee, the client can give his contract/card number, full name, code word and ask for information about the balance of available funds on the card.

How to connect to Internet banking and what opportunities does it provide?

When concluding an agreement at the bank, each cardholder is automatically connected to their personal online banking account. This option is free and the owner of the Benefit card simply cannot do without it.

The client is given a login and a temporary password to log in, which will need to be changed.

If for some reason you did not gain access to your personal account at the bank office when concluding a credit card agreement, access can be obtained by calling the Home Credit hotline or in the form of an online chat/video call on the credit institution’s website.

To do this, the client will need to answer several questions from the operator, indicate his passport details, and give a code word. After identification, the operator will dictate a temporary password to enter your personal account, which will need to be changed the first time you visit the Internet bank.

Using the login to your personal Internet banking account, a Home Credit client can perform almost any transaction via the Internet without visiting the offices of a credit institution. The following services are available to him:

• Transfers all over the world from card to card, to bank account
• Payments for utilities, taxes, fines, cellular communications, etc.
• Ability to apply for a loan, credit card or any other bank product with minimal verification
• The ability to find out the current debt on existing loans and credit cards, clarify the dates of payments, look into the history of transactions and check expenses, etc.
• Pay off loans and borrowings from Home Credit and other credit organizations
• Set up automatic payment for any financial service. For example, this could be an automatic replenishment of a mobile phone account on a specific date, automatic payment of a loan or housing and communal services, a transfer using the details specified in advance, and much more.
• Possibility to block the card if it is lost/stolen, etc.
• Timely activate or deactivate SMS notification services for transactions

Each client who owns a Home Credit Bank - Benefit credit card has access to a special section of the Internet bank, within which the client is provided with the opportunity to spend accumulated points, receive up-to-date information on the bonus account, income, expenses, points accrual and other information about the program, including including detailed conditions, etc.

In addition, only in the Internet bank you can transfer accrued points into rubles. They won't do this in the department. The client independently orders the service through a special section of the information bank, after which the points are canceled within 2-4 days, and their equivalent is added in rubles to the balance of the client’s own funds on the card.

The service can be used by clients provided that there are no overdue debts under any agreements with the bank that were connected to the Benefit program. That is, if a client has an overdue debt on a Benefit credit card, he will not be able to enter the special section.

Details about Cashback Benefits

Benefit is a special bank program that owners of Successful Purchase Gold and Platinum cards can join. It makes it possible to receive guaranteed and increased cashback for purchases in the form of bonus points, which can later be exchanged for real money.

What are points awarded for and in what quantity?

For making spending transactions using the Benefit card, the client will receive bonus points. Bonuses are not awarded for cash withdrawals, money transfers, replenishment of electronic wallets, purchases of traveler's checks and lottery tickets, bonds, and casino transactions.

Thus, it turns out that Polza cardholders receive cashback even for standard transactions for which most other banks do not award cashback. For example, this is payment for housing and communal services, taxes, fines, mobile account, Internet, etc.

What types of points are there?

The bank provides several types of points:

1. Base points. They are awarded for purchases in absolutely all categories, except for trade and service enterprises in the categories “Cafes and Restaurants”, “Gas Stations”, “Travel”.
2. Special points. They are awarded for payment for goods and services in specific categories, which include “Cafes and Restaurants”, “Gas Stations”, “Travel”. The belonging of these enterprises to a special category is determined by the MCC code.
3. Promotional points. This is a separate type of points that are awarded for online purchases and for current bank promotions, the conditions of which are constantly changing. The client can receive up-to-date information on current promotions in a special section of his personal boarding account.

The percentage of points earned on purchases depends on the type of card. Detailed conditions are presented in the table.

Points are credited to a special account within 5-15 days.

The maximum amount of points that can be obtained during a calendar month cannot exceed 2000 rubles. If you do not use your points within 1 year, they will expire.

Online stores are partners of Home Credit, for purchases from which you can get the maximum “benefits”

To get the maximum cashback for online purchases, you need to go to the partner’s online store not directly, but select it from the list on the Home Credit Bank website in the Use section of your personal account, having first entered the card barcode. This is a must. If you pay directly with a card, you will not receive increased cashback.

Depending on the specific store, you can receive cashback in the form of a fixed number of points or as a percentage of the purchase amount. However, some stores set a minimum purchase amount for which points are awarded.

Among the bank's partners, for purchases from which increased points are awarded up to 10% of the purchase amount, we can highlight:

Online store	Cashback bonuses	Minimum order amount
VICHY	200 points per purchase	209 rub.
Booking.com	350 points per purchase	351 rub.
Yves Rocher	130 points	131 rub.
Tutu.ru	130 points	131 rub.
Player	30% of the purchase amount	No
Quelle	30% for new clients and 5% for old ones	No
otto	10% of the amount	No
Roxy	10%	No
Lamoda	10%	No
BashMag	7%	No
Sand flowers	7%	No
Daughters and sons	6%	No
Aliexpress	5%	No
Media Markt	3%	No
Litres	3%	No
Petshop	2%	No
Technosila	2%	No
Fridge	2%	No

In fact, there are many more affiliate stores. Detailed information about the names of partners and cashback can be found on the Benefits page in your personal online banking account.

Where can I spend Benefit points?

The client can spend the accumulated bonuses on instant replenishment of his mobile phone, which is linked to the boarding bank, or on reimbursement of funds for already paid purchases at the rate of 1 point = 1 ruble.

Both part of the amount of the debit transaction and the entire amount are subject to refund, depending on the number of points that are in the client’s special account.

To spend Benefit points, the cardholder must log in to his personal online banking account and on the special “Benefit” page, which can only be accessed from his personal account. In the list of transactions, the client needs to select any operation for which you want to reimburse funds with bonus points. After this, an equal number of points will be debited from the client’s account, and money in the same amount will be credited to the current card account within 15 days.

Settlement/payment period and commission for using credit funds

Home Credit Bank has one interesting feature - using Polza cards, they charge a commission for the outstanding debt that exists during the grace period. It is 149 (Gold cards) or 249 (Platinum cards) rubles, respectively, depending on the chosen plan and is charged monthly if certain conditions are not met.

According to the terms of the Benefit credit card, its grace period is 51 days. Without an additional commission, the client can manage borrowed funds from the bank only if he uses the card for goods and services, and not withdraws money from it at an ATM.

That is, theoretically, the owner of the plastic card can use the bank’s money for 51 days without accruing interest. This is what most Russians think, and they have little idea about credit card payments. Benefits.

In fact, the truly preferential (no commission at all) period on the Benefit card lasts no more than 1 month, since the tariffs clearly indicate that commission-free use of funds on the card is available only during the billing period.

The billing period is 1 month, approximately 31 days, to which is added a payment period of 20 days. This results in a grace period. During this period, interest is not accrued, but the commission agreed by the bank in the amount of 149 and 249 rubles will be accrued if the client does not repay the debt in full by the beginning of the payment period. If at the beginning of the payment period there is a debt on the card, which the client repays during the grace period, interest on the loan will not accrue, but a commission in the amount of 149/249 rubles will definitely be written off.

Often the beginning of the grace period is considered to be the 5th, 10th, 15th, 20th, 25th of the month. It all depends on the date the card was issued.

For example, if the beginning of the billing period falls on the 5th day of the month, then, therefore, it will last until the 4th (5th) day of the next month. Everything here will depend on the number of days in the calendar month. But the payment period will last until the 24th. It is very important for the borrower to repay the debt before the start of the payment period, otherwise a commission will be charged. It is better to do this 2-4 days before the expected date, since there are often delays in payments of 1-3 days.

A simple and clear example of calculating the monthly payment on a credit card

Let's look at a specific example of calculating the monthly payment on a credit card in the case of a grace period and in the case of going beyond the grace period.

For example, a client spent 30 thousand rubles on a card. to buy a new sofa on June 20. The billing period for his credit card Benefit ends on June 30 and from this date the payment period will begin, which will last another 20 days, until July 20. Then the grace period will end.

According to the terms of Home Credit Bank, if the client pays an amount of 30,000 rubles before June 30, no interest or commission will be charged.

If the borrower wants to deposit 30,000 in the period from June 30 to July 20 during the payment period, a commission for using credit funds will not be charged, however, a bank commission in the amount of 149 rubles will need to be added to this amount. or 249 rubles, respectively, depending on the card.

The grace period payment during the payment period can be calculated using the following formula:

Where:
S – grace period payment during the payment period
Z - amount of debt
Y - bank commission (149/249 rub.)

S = 30000 + 149 = 30149

Thus, the client will have to deposit 30,149 rubles. or 30,249 rubles depending on the card, because a commission is charged for using credit money.

If the borrower does not repay the debt by the end of the grace period, interest will also be charged on the amount of the debt. We will calculate the minimum credit card payment for the first month.

So, the borrower spent 30 thousand rubles. The interest rate for non-cash payment on Home loan using the Gold card is 33.9% per annum, and the amount of the monthly loan payment is 7% of the amount of expense transactions + interest accrued for the current billing period.

To determine the minimum percentage of credit debt in rubles, we need to use the following formula:

Where:
D – minimum percentage of credit debt in rubles
Q – minimum % of the credit debt according to the lending conditions of clause 4 of the table (7% for the Gold card)
X – amount of debt

D = (7%/100) * 30000 = 2100 rub.

A = (X * B)/365 * C

Where:
A is the amount of interest
X - amount of debt as of the reporting date
B - interest rate on the loan
C - number of days of use of borrowed funds

A = 30000*33.9/100/365*30 = 835.890 rub.

Where:
K – minimum monthly payment on a credit card
A – Interest on the use of credit funds, calculated according to the previous formula
D – Minimum payment of the amount of credit debt in rubles
Y – commission for using credit funds (RUB 149/249)

K = 2100 + 835.890 + 149 = 3084.89

Thus, it turns out that in the first month the client needs to pay at least 3089.89 rubles. as a monthly credit card payment.

Advantages of plastic Benefits from Home Credit Bank

• Availability of a grace period of 51 days
• Credit limit up to 300 thousand rubles, which is constantly renewed
• The card is issued instantly upon contacting the bank. Then it changes to a personal name
• Cashback up to 10% in special categories and in partner stores
• Points can be exchanged for rubles at the rate of 1 point = 1 ruble
• PayPass one-touch shopping technology. The client does not have to insert the card into the terminal and enter a PIN code; simply touch the device with the card and the payment amount will be debited from the account. The service is provided only if the check amount does not exceed 1000 rubles. Otherwise, you will have to confirm the debit by entering your PIN code
• Privileges and bonuses from the VISA payment system

The most frequently asked questions and their answers

Why in some cafes/restaurants/catering establishments are accruals based on increased points (3%), as it should be, and in some on basic points (1%)?

Answer: The fact is that the devices of acquiring banks that are installed in different trade and service enterprises may be configured incorrectly. The fact is that each “seller” of goods or services has his own MCC code, which is assigned by the acquiring bank when installing terminals for paying for purchases with bank cards.

The responsible “seller” sets up the MCC code for the specific category to which his establishment belongs. The Merchant Category Code must clearly and clearly characterize the industry of the establishment. For example, specialized stores selling computers and other equipment will have a code of 5732, which corresponds to the Electronics Stores category. If the outlet provides computer repair services, then the code will be 7379 Computer Repair (computer service, repair).

Thus, if the MCC code is configured incorrectly, payment will occur using a different code from a different category. It is possible that in those catering establishments where interest is calculated at the base rate, the MCC code is set incorrectly. There are no other explanations for this phenomenon.

I paid for purchases with my card 7 days ago, and the points have still not been credited. This is fine?

Answer: Yes, this is normal, because according to the terms of the program, points are not awarded immediately, but within 45 days.

What should you do if you forgot the password for your personal online banking account and cannot access the special Benefits section?

Answer: in fact, it will not be possible to recover the old password, because no one except the borrower knows it. To change the password if it is lost, the cardholder will have to come to the bank branch with a passport, explain the situation and receive a new temporary password. After the first login, it will need to be replaced with a new one.

An alternative option is to contact the hotline operator by phone +7 495 785 82 22 and receive a temporary password remotely.

Do you travel often? Do you most often make purchases in online stores? Do you often go to a cafe or restaurant for lunch? Advantageous card Benefits from Home Credit, advantages and disadvantages read below.

Limit: up to 300,000 rubles

Interest-free period: 0% up to 51 days

Valid in ANY store

Cashback:

10% return for purchases in online stores (1 point = 1 ruble)

5% return on purchases in the categories "Cafes and Restaurants", "Gas Stations", "Travel"

1.5% refund on card purchases and online banking payments

10% cashback for purchases of clothes and shoes

6% per annum on balance

Payment of utilities, mobile and Internet from a card account

Citizens of the Russian Federation from 23 to 64 years old (permanent work)

By using the Benefit from Home Credit card you receive:

1) access to tickets of any airlines, at any time and to any places
2) points for the products you need in any stores
3) you choose how many points you want to spend (1 point = 1 ruble)
4) up to 10% for each purchase in partner online stores
5) 5% when refueling a car, paying in cafes and restaurants, traveling.
6) 1.5% for any purchase by card and payments in Internet banking
7) receiving a card without certificates on the day of registration, according to your passport and additional information. document (passport, SNILS, driver's license)

Important!
When applying for a card, make sure that you do not have any additional paid services connected to this card:
— card insurance (0.9% of the debt for the billing period)
— notifications by mail once a month (RUB 29)
— SMS — notifications (59 rub.)

Free payment methods:

- bank cash desks
— cash-in ATMs
- debit card of any bank
— transfer using a free service from NPO Rapida LLC www.loanrepayment.mastercard.ru (loan payment must be made to the bank account number of your Benefit card, not to the card number); Cards of the international payment system MasterCard/Maestro are used. (1% of the payment amount, minimum 25 rubles, minimum commission for amounts of 2500 rubles)

For example, you spend 30,000 rubles per month
Of them:
4500 rub. — travel (225 points) cashback = 5%
2300 rubles - at a gas station (120 points) cashback = 5%
3000 rubles - cafes and restaurants (150 points) cashback = 5%
3000 rub. - online shopping (300 points) cashback = 10%
11,100 rubles - groceries, etc. Everyday needs of housing and communal services, internet, etc. (167 points) cashback = 1.5%

962 points or rubles were returned per month, 11,544 points or rubles per year, and 1 point = 1 ruble.

And these points or rubles can be exchanged for any purchases without restrictions. To do this, you need to select any purchase in the Internet Bank on the “Benefit” page and click “Return”. Points are valid for one year, after which they expire. If the item is returned, the points for the purchase will be deducted.

Types of points:

Basic— are awarded for purchases in all categories of retail and service enterprises, except for the categories “Cafes and restaurants”, “Gas stations”, “Travel” (the maximum number of points awarded is 2000 per month).

Promotional— are accrued in accordance with the terms of the Shares posted at www.polza.homecredit.ru

Points for purchases in selected categories- are accrued for purchases in the categories “Cafes and restaurants”, “Gas stations”, “Travel”, while trade and service enterprises belong to the specified categories according to the MCC code (Merchant Category Code) in accordance with the classification of the international system Viza (maximum number points awarded 3000 per month).

Detailed description of additional points in online stores www.polza.homecredit.ru/LegalInformation/Conditions

Bank partners (online online stores):

Tickets and travel
(Ostrovok.ru; Booking.com; Aviasales.ru; One two trip; travelata.ru; UFS travel; tutu.ru)

Technology and electronics
(Mvideo;Oldi;www.123.ru;GearBest;Just.ru;MediaMarkt;glueskin;technopark;citylink;madrobots.ru;messenger; samsung; Redmond; inspector gad jets, etc.)

Clothes and shoes
(Aliexpress; Kari; yours; vsemaykiru; finn flare; Henderson; La Redoute; Tom Tailor; Reebook; Austin; Lamoda; Kypivip.ru; Quelle; Otto; Roxy)

Books
(Republic; liters; Read the city)

Sports and recreation
(Sports master; Nike; Kant; American tourister; Adidas; New balance)

gas station
(neste; eka)

Perfumes and cosmetics
(Rive Gauche; LEtoile; Ile de beaute; Sanguy; The body shop; Tichy; Yves Roches; LOccitane)

Decorations
(585 Gold; All time.ru)

Childen's goods
(Ship; Daughters - Sons; Obstetrics; Mothercare; MyToys; Toy.ru; Acoola; Mamsy)

Products
(Bread Stories; Platypus; Perekrestok Express; Seven+Ya)

Cafes and restaurants
(Delivery Club; TGI Fridays; Verde Cafe)

Flowers, gifts
(P.S.Box; Red cube; flowwow; Mostsvettorg)

Pharmacies
(LenOblPharm; Stolichki; My pharmacy)

Transport
(Gett)

Insurance
(Ingosstrakh)

For more details, see www.polza.homecredit.ru/#allpartners
As well as personal offers in Internet banking.

P.S. When purchasing goods in online stores using this card, use the cashback service Letyshops.com to receive an additional cashback of up to 30% on a bank card or phone account (1210 stores), and also do not forget when making purchases online, be sure to first go to the page On-line Shopping, and then go to the website of the online store you need by entering your 13-digit “Benefit” member number in the designated field.

It is important to know!

Points are not awarded:

— for purchases of lottery tickets, securities, and precious metals. metals
— making purchases in casinos and other establishments
— for cash withdrawals and fund transfers
— transactions not related to goods and services

The Benefit program can be disabled, but it cannot be reconnected.

Requirements:

Citizen of the Russian Federation
Age from 21 to 64 years
Actual residence in the region where the card was issued
At least 3 months of work experience at last place of employment
Landline work number, mobile number and home number

Conditions:

Maximum limit - 300,000 rubles
Minimum limit - 50,000 rubles
Annual maintenance - 4990 rubles (more than pays for itself in points with active use)
Cash withdrawal - 4.9%, minimum 399 rubles
Interest rate - 29.9%
Interest-free period - 51 days
The minimum payment amount is 5% of the debt and accrued interest for the previous billing period (minimum payment is not less than 1000 rubles)
You negotiate a billing period date that is convenient for you with the bank employees so as not to pay interest on the use of money (billing period 1 calendar month + 20 days) to pay the minimum payment or the entire debt for the billing period

If you travel frequently and have a car and often visit cafes and restaurants, pay for goods and services in Internet banking (cellular communications, Internet, housing and utilities, etc.) then this card is for you!

To issue a card, click " More details» and you will be redirected to the official website to fill out the form.

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

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

Terms of service for the card

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

Cashback on the card with benefit

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

The cashback percentage varies depending on the card category. For example. With a GOLD category card, the bank pays cashback for purchases in “Cafes and Restaurants”, “Gas Stations” and “Travel” - 3%, and for other purchases, including in Internet banking, you can get 1% “porridge”.

As for the PLATINUM category card, here the accrual of bonus points is more profitable: for purchases in the categories “Restaurants and cafes”, gas stations and Travel you will be awarded 5%, and for other purchases you will receive 1.5 percent.

In addition, for any card category, when paying with card partners, you can receive a refund of up to 20%. The current list of partners and conditions for receiving bonuses can be viewed in the Internet bank.

When paying by card in online stores, do not forget to use the cashback service LetyShops, allowing you to additionally receive cashback for online purchases of up to 30%.

How to get a card to your advantage

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

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

Documents you will need to provide:

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

Pros and cons of cards with benefits

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

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

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

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

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

How to apply for a card from Home Credit

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

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

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

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

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

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

One of the leaders in the commercial banking industry, Home Credit, introduced a card with cashback up to 10% and interest on the balance. Is it true? Who benefits from registration and who doesn’t? Let us consider in detail whether it is necessary to issue a card and what is needed for this.

Card "Benefit"

Home Credit Bank provides new profitable offers, including the Pozla card. Let's start the review of the card with the positioning of the bank itself - “card of maximum opportunities.” Indeed, this plastic allows the owner to use a convenient payment system and earn money. The bank will charge the owner up to 10% on the account balance, 3% on a check in a cafe, restaurant or gas station, 1% on other purchases.

Design of “Benefits”

To receive a card, you must. There you will select the card type - Gold or Platinum, then fill in the necessary data, including:

1. last name, first name, patronymic in full;
2. Date of Birth;
3. mobile phone;
4. passport series and number;
5. E-mail address;
6. social network account (optional).

Previously, only regular bank clients could use the program, today everyone has the opportunity. You can apply for a debit or credit card (a similar opportunity is provided by). In the latter case, additional data, such as a social network account or income certificates, will increase the limit provided. After filling out the application, a bank employee will call the client, clarify his personal information and tell him about further actions.

Primary data processing takes no more than 30 minutes. The operator will tell you about a preliminary decision on credit plastic or inform you about the place and time of receiving a debit “wallet”. We'll talk about the terms of service for each type below.

Debit card: terms of service

Afterwards, you can pick up the finished card at an office convenient for you. You can view branches on the bank's website.

How much money back for purchases with a debit card? Benefits:

The maximum monthly accrual is no more than 2,000 rubles for the purchase of all goods and no more than 3,000 rubles. at the expense of gas stations and restaurants. Additionally, annual interest will be charged, it depends on the amount of the card balance. If the amount is less than 300 thousand rubles, and more than 5 purchases are made, then the charges are 7%. If there are less than 5 purchases, then 5%. If the balance amount is more than 300 thousand rubles, then savings for the amount exceeding 3%.

The issuance of plastic is free, and there is no one-time fee for annual maintenance. A debit card may have additional costs, which are presented in table form:

For clients receiving wages on a card (over 20,000), preferential conditions apply; no commission is charged for cash withdrawals from ATMs of other banks or for transfers to the account of another bank.

Credit Cards Benefits

A credit card differs from a debit card in that in this case the bank provides you with funds that you then need to return. When filling out the form, you must select the type of card: Gold or Platinum. The percentage of cashback you will receive depends on it. Let's present it in the form of the following table:

The contract specifies the conditions and terms of return. The Benefit card from Home Credit is considered one of the most advantageous lending offers. To receive one, you must fill out an online application. On the day of application, a final decision is made on loan confirmation and amount. There are several requirements for the borrower:

1. must be a citizen or resident of the Russian Federation;
2. age ranges from 21 to 64 years;
3. the client must have a residence permit or permanent registration in the city where there is a Home Credit Bank branch;
4. continuous work experience at the last place of work must be at least 3 months;
5. You are required to provide a landline or mobile phone number.

This is a list of mandatory requirements; the following factors can increase the credit limit:

• stable salary (you can provide a certificate of income 2-NDFL or in the form of a bank);
• positive credit history (including in other banks);
• absence of unpaid traffic police fines and court debts.

During a visit to the company’s office, you must have a passport and 2 documents with you, this could be:

• SNILS;
• International passport;
• Driver license.

Copies of documents are sent by the operator for verification, after which a final decision will be made. It takes no more than 40 minutes to accept. Once the loan is approved, the borrower receives an instant issue card. The approved amount will already be on it; after a week you will need to contact the same bank branch to pick up a personal payment.

Conditions and tariffs of the credit card Benefit

The card is in many ways more profitable than its competitors. However, there is one important condition: the Benefit program is connected to the credit card. The bank charges 990 rubles for this. with gold type of plastic and 4990 with platinum. Other terms of service are shown in the table:

Criterion	Gold	Platinum
Limit	Up to 300,000 rub.	Up to 300,000 rub.
Interest rate	33.9% per annum (49.9% when using cash)	29.9% (49.9% when using cash)
Interest-free period	51 days	51 days
Minimum monthly payment	7% of credit debt, but not less than 1000 rubles.	5% of credit debt, but not less than 1000 rubles.
Daily limit for cash withdrawals from an ATM	10,000 rub. for cards with number 44609805 and 30 thousand rubles. for other cards	10,000 rub. for cards with number 44609805 and 50 thousand rubles. for other cards
Daily cash withdrawal limit at the cash desk		30,000 rub. for cards that start from 44609805 and 100 thousand rubles. for other cards
Cash withdrawal interest		4.9% of the amount of funds, but not less than 399 rubles
SMS notifications	59 rub.	59 rub.
Second and subsequent reissue of the card	200 rub.	200 rub.

In the future, the borrower can return funds to the card in a convenient way:

• Through ATMs or Home Credit Bank cash desk.
• Through any other bank, by contacting the operator.
• At Russian Post offices. Such a transfer can take 10-12 days.
• Through electronic payment systems Rapida, Eleksnet, Contact and others.
• Interbank transfer from card to card using account/card number. In the first case, the transfer will take 3-4 business days, in the second, the transfer will occur almost instantly.

The advantages of a credit card from Home Credit are the ability to top up with your own funds, that is, you can use it like a debit card, if necessary, spend bank funds and return them during the interest-free period.

Whatever card you choose, the Benefit program will allow you to receive significant bonuses. Let's talk about them in more detail.

What is "Benefit"

This is a loyalty program that allows participants to get back some of the money they spend. At the same time, unlike other banks, Home Credit accrues cashback even for ordinary household bills, including payment for housing services, mobile communications, payment of fines and taxes. The following are not eligible for bonuses:

• Money transfers;
• cashing out funds;
• purchase of lottery tickets, securities;
• casino accounts.

The remaining bonuses are divided into three types:

1. Basic – accrued for all purchases at retail outlets;
2. Special – points for paying bills at trade and service enterprises (gas stations, restaurants and cafes, from the “travel” section);
3. Promotional cashback is a cashback, the conditions for receiving which always change; it accrues for online purchases from partners bank, as well as for checks falling under current bank promotions.

Let's calculate the benefits

Before applying for a Benefit card, you can find a benefit calculator. Enter the approximate amounts you spend on purchases, after which the system will calculate bonuses. One bonus is equal to 1 ruble.

Let's calculate cashback for the Gold card with specific spending conditions. Monthly expenses – 30,000 rubles, of which 5,000 rubles. for gasoline, 5,000 rubles. for online purchases, 4000 rub. to pay bills in restaurants and 16,000 rubles. for everyday expenses, buying groceries. In this situation, the monthly return will be 930 rubles, per year the amount will reach 11,160 rubles. With a Platinum card, the same expenses will bring you 1,190 rubles monthly. and 14280 rub. in year.

Points are accumulated in a separate account, which can be managed using your personal account or mobile application. The average time of receipt is 5-15 days from the date of purchase, the maximum period for accruing points is 45 days.

Partners

It is profitable to make online purchases from bank partners; you can get up to 30% cashback for them. Your personal account contains personal offers that will be constantly updated. The minimum rates that partner stores have are stable; we present the most profitable ones in the table:

We also note that it amounts to 3.5% of the amount spent. There is only one exception; only the Clothing and Footwear categories are eligible for the program. However, additional promotions are often held that increase the benefits for purchases in the largest online market.

Using bonuses

1 point corresponds to 1 ruble. After receiving a card with the Benefit loyalty program, the client also receives a bonus account where cashbacks will be received. Management occurs through your personal account, in which you need to log in. Login is carried out through the company’s website from a personal computer or mobile phone.

Points can be used to instantly top up your mobile account or refund purchases. It turns out that a significant difference in the Home Credit program is that you do not pay for new purchases with points, but return money for old ones.

In your personal account, find the list of transactions, select the one you need, indicate the amount you want to return and confirm the operation. You can receive a refund of part of the funds or the full cost of the product (if you have enough points). You can also get your money back for paying utility bills. The average interest payment time is 2 weeks.

Spending bonuses is not available in three cases:

1. The client has already sent a request to write off points and is awaiting a response;
2. For this operation, the goods were returned and the payment was cancelled;
3. The client is checked for illegal actions and fraud as part of the bonus program.

For one request, the client can convert no more than 100,000 points into rubles. Bonuses with an early validity period are used first; it is 12 months. Points that have not been used during this period will be expired and cannot be restored.

What you need to know

The scheme for receiving bonuses is clear: you make purchases, receive points, which you then convert into rubles. To make the mechanism even more transparent, let’s pay attention to some nuances:

1. The period for accruing points may differ depending on their type and the conditions of the promotion.
2. Neither type of points applies to the purchase of gems, bonds and other securities, lottery tickets or travelers checks.
3. If the bank suspects a client of abusing the loyalty program, an audit may begin. The bonus account will be frozen until the circumstances are clarified, after which it will either be canceled or reinstated.
4. If the bank credited cashback, but the purchase was cancelled, the amount is reset to zero. If it has already been spent, then the account acquires a negative balance, and the points will be written off during subsequent accruals.
5. The Bank also reserves the right to write off points that were credited in error. If there are insufficient funds, the balance will go into minus.
6. If the client terminates the contract, the crediting of points ceases from the moment it is signed by both parties. Bonuses accrued before can be used throughout the year.

Using your personal account

Participants in the Benefit program need a personal account to manage bonuses, as well as to receive personal offers. It displays not only cashback conditions at partner stores, but also individual rates.

To log into your personal account, you will need the mobile phone number to which your bank card is linked. Here you will see the entire history of purchases, accrual and write-off of bonuses. The expiration date of the points is also displayed, the system informs that some of the bonuses will soon expire. Please note that you can only convert points from your personal account; there is no such function in the mobile application yet.

Question answer

Many questions arise during the process of using the card; we will try to answer the most popular ones.

You made a purchase and still haven’t received points?

This is normal, bonuses do not come immediately. In some cases, the return period can reach 45 days. Pay attention to the terms and conditions of promotions provided on the site. You can also see the deadline for crediting bonuses from partners in your personal account. If after 45 days the points have not arrived, contact the bank via “Feedback” or call the hotline.

How to check your balance and find out your transaction history?

The bonus account statement can be viewed in your personal account via Internet banking, by phone or by visiting a company branch in person.

Is it possible to pay off loan debt with points?

You cannot pay for a loan payment directly with bonuses, but points can be converted into rubles, returning money for other purchases. You can dispose of them at your own discretion. Please also note that bonuses cannot be exchanged for points from other bonus programs.

Where to create a personal account, why is it needed?

Users of the Benefit program need a personal account to manage points, exchange them, track receipts and write-offs. Personal offers will appear here. You can connect to your personal account at the company office or by calling the contact center number.

If you forget your login combination, you will have to return to the office with the documents, since only you know the password. There you will be given a new one-time code, which you will change after your first login.

Expert opinion

The Benefit card is an advantageous offer for everyone. There are no restrictions on minimum spending; card servicing is no more than 99 rubles. per month, that is, 1200 rubles. in year. Active users will save a similar amount per month. It is especially profitable to pay with a card when purchasing air and train tickets, paying for services at gas stations and for goods in online stores.

Since there are restrictions on the number of monthly bonuses, we recommend that you first pay for large purchases that fall under special and promotional bonus categories.

There are several main advantages of the program compared to its competitors:

• bonuses are awarded for paying utility bills, taxes and fines (this is rare among similar offers);
• favorable rates on basic and special offers;
• the presence of partner stores where you can receive a significant amount of refund;
• points are converted into rubles at the rate of 1 to 1;
• The money received can be used without restrictions.

Debit card Benefit Home Credit Bank is a new flagship in the bank’s line of cards. It literally supplanted its popular colleague (currently out of print) and, what’s good, inherited all the best from the latter (but, of course, not without nuances). The card owes its name to the bonus program of the same name, which also applies to well-known ones. The Benefit loyalty program has favorable conditions (you can get a good cashback through it), which, coupled with one of the highest percentages accrued on the card account balance, makes the card very useful for the client.

In this review, we will analyze its nuances, reveal its strengths and weaknesses, and pay special attention to customer reviews in order to get the most complete picture of the card.

Card Benefit of Home Credit Bank

Interest on balance (max.):

Cashback - refund (max.):

Annual maintenance:

A free-of-charge card with one of the best bonus programs (cashback up to 10%) and a high interest rate on the account balance (up to 10%). Acceptable conditions to make card servicing completely free PRODUCT OVERVIEW

* The card is free for the first two months, conditionally free from the 3rd month ** In a separate category

Card service

Issue fee

For free

Annual maintenance

1st and 2nd month of service: 0 rub.;
from the 3rd month: no fee is charged for daily balances of RUB 10,000 or more. / purchase amount from RUB 5,000. per month, otherwise the cost of service is 99 rubles. per month

Validity

Card type (payment system and status)

Account currency

Conversion

Technological features

3D Secure technology;
chip;
PayWave contactless payment technology

SMS notification

59 rub. monthly

Delivery

There is delivery and the possibility of collection at the bank office, it is possible to receive an instant non-personal card while a personalized one is being produced

Additional services

Issue of an additional card - 200 rubles.

Additional Information

Commission for the second and subsequent reissues of the card at the client’s initiative is 200 rubles. (first reissue without commission(!))

Cash withdrawal

500 thousand rubles. in a day

Cash withdrawal from ATMs/bank cash desks

0 rub. / 0 rub.

Cash withdrawals from ATMs/cash desks of other banks

100 rub. (0 RUR for the first 5 transactions per month) / Similar

Additional Information

0% for withdrawals from ATMs/cashiers of other banks when receiving a salary from RUB 20,000 on the card. per month

Transfer in Internet banking

To an account in another bank

To a card of another bank (by card number) - pushing out

1% (min. 100 rub.)

Replenishment in Internet bank

From a card of another bank (Card2Card) - withdrawal

For free

Additional Information

Allows you to withdraw money without commission

Interest rate on account balance

for balances up to 300,000 rubles: 7% per annum when making purchases per month for 5 thousand rubles, otherwise 0%;
for a balance over 300,000 rubles: 3% per annum on the balance when making purchases per month for 5 thousand rubles.

Loyalty programs

Program "Benefit"; Bonuses and special offers from the Visa payment system

Cashback (refund)

1% of the amount of any purchase (max. 2000 per month);
3% of the amount in certain categories: gas stations, pharmacies, cafes and restaurants;
up to 10% for online shopping in partner stores

Holder requirements

Documentation

according to your passport

Free issue and 1st month of service;
The card is shareware;
5 free withdrawals per month from ATMs and cash desks of any bank;
High interest on account balance;
Beneficial loyalty program;
Cheap interbank transfers to IB;
Accrual of cashback for paying fines, taxes, utility bills, etc. from the Internet bank;
Shareware SMS notifications;
The first free reissue at the client's initiative;
The card is a free donor (the ability to withdraw funds with other cards from the Internet banks of other banks).

When depositing a large amount, the money must remain in the account, otherwise the bank will withhold a security commission;
To accrue interest on the balance, you must meet the minimum purchase amount per month.

More details

Card "Benefit". Main advantages and disadvantages

Let's go over the main advantages of the card, the essence of which will be revealed later in the review.

1. Free release and free service if the criteria for freeness are clearly accessible to most(daily account balance is more than 10 thousand rubles OR purchases worth more than 5 thousand rubles per month), otherwise the cost of service is 99 rubles per month. In any case, the first month the card is serviced free of charge.

2. Accrual of 7% on the account balance for an amount of up to 300 thousand rubles (condition – payment per month for goods and services worth at least 5,000 rubles). Important: The money in the account is insured by the state!

3. Re-issue at the initiative of the holder for the first time is free of charge(this may be required, for example, after the plastic is lost or stolen). The second and subsequent reissues are already paid - 200 rubles. Reissue at the end of the validity period – 0 rub.

4. Possibility of issuing an additional card to the main account(its issue and reissue after expiration - 200 rubles).

5. Free cash withdrawals from ATMs of ANY BANKS around the world the first 5 TIMES A MONTH(a commission of 100 rubles will be charged more than 5 times), and as many times as you like at your ATMs (within the daily limit).

6. Profitable cashback(refund), which is provided by the “Benefit” bonus program: 1% for any purchases, 3% for purchases in certain categories (gas stations, pharmacies, cafes and restaurants) and over 10% for purchases of goods/services from bank partners (there are enough of them a lot of).

Cashback is returned in the form of bonus points, which can later be converted into rubles in your personal account in a 1:1 ratio. The nuances of the loyalty program will be carefully discussed later in the review.

7. Availability of delivery in major cities(check the possibility of delivery when communicating with a bank employee after an online application or when visiting a bank branch).

8. The premium Visa Platinum card has a decent design and may attract attention with its status (if this is so important to you), but the card status will not give any special advantages, except perhaps additional privileges from the Visa payment system. There is more benefit from support for PayWave contactless payment technology and support from Home Credit Bank for payment services, Samsung Pay and, thanks to which you can make your payments from your smartphone much safer (provided that the smartphone supports).

9. The card can be topped up free of charge in Internet banking (IB) or mobile application from cards of other banks. Unfortunately, not all modern cards have this feature, so let’s give it a plus. Through IB you can also make an interbank transfer with a very modest commission - 10 rubles.

What shortcomings can be noted?

1. Compared to the Cosmos card, some service conditions have worsened. Now you won’t get a large percentage just for keeping a certain amount in an account. You will have to make the required 5 purchases (the bank wants the card to be used, and not used as a profitable piggy bank - it makes money from the commission on each purchase transaction, which is paid by retail outlets). In addition, a tasty interest will be accrued on the amount of 300 thousand rubles (previously it could be received in the amount of 10 to 500 thousand rubles). Free service is now only the first month, and not the first year, as before.

2. Paid SMS notification (59 rubles/month). In principle, it is normal practice to take money for information, but previously you could not pay for this service, and you received notifications via SMS without the amount of the available balance on your card account. Now, if the service is not connected, you will have to limit yourself to only push notifications to your smartphone, and also without displaying the balance. Many people are happy with this, however, who have smartphones based on Android or IOS.

3. There are quite a few nuances that certainly do not make the bank look good, and at the same time its products, but only make customers nervous. Take, for example, the hotline phone number (+7 495 785-82-22), which is listed in the “Contacts” section of the official website. As you can see, this is a Moscow number, and calls from other regions will be charged for customers! HKB also has a toll-free support phone number (8 800 700-800-6), which, as clients joke, is modestly kept silent - it can be found on the back of the card. But again, it works for existing clients. We recommend using Home Chat, the link to which is easier to find at the very bottom of the site.

Judging by the reviews, clients often complain about the lack of competence of employees, whether on the phone or in the field, and their style of communication - only forums are saved, where, oddly enough, you can get truthful information.

4. For withdrawals and transfers, you can incur a holding fee (10% for transactions with an amount of 600 thousand rubles or more) if the money has not been deposited in the account for more than 30 days - in the review we will look at in which cases the bank requires holding. Be careful!

How to avoid paying for card servicing?

You will not have to pay for card servicing in the following cases:

• in the first and second billing periods (we recommend ordering the card on the first days of the calendar month);
• and also when making purchases worth at least 5,000 rubles. for the billing period (RP);
• OR if you maintain a DAILY account balance of RUB 10,000 or more throughout the entire RP.

The billing period for use cards lasts from the first to the last day of the calendar month.

If the free service criteria are not met, you will have to pay 99 rubles per month for the service.

Accrual of interest on the card account balance

The Benefit Home Credit Bank card offers a fairly high interest rate on the account balance (PNO) - 7%. Such profitability is possible if the following conditions are met:

• the card holder must make purchases worth at least 5,000 rubles per month;
• 7% income is accrued on the account balance no more than 300,000 rubles.

If these conditions are not met, PNO will not be accrued!

For amounts over 300 thousand rubles, only 3% will be charged on the balance, but also if the conditions for monthly purchases in the amount of at least 5 thousand rubles are met.

PNO is calculated every day, and the total accrued interest for the current month will be credited to the card account on the first day of the new billing period (new calendar month).

Please note a few points:

Attention! Purchase transactions do not include card transactions such as money transfers, replenishment of electronic wallets, and transactions made through Internet banking or mobile banking.

For example, if you want to top up your phone account, it is better to do this on the mobile operator’s website using the card details (this applies to any online purchases), since such an operation in Internet banking will not be counted as a purchase by the bank.

Maximum income in the amount of 300 rubles. - this is not the limit. You can get a second Benefit card (with a separate account - do not confuse it with an additional card to the main account) and use it for savings. But at the same time, do not forget about fulfilling the criteria for freeness and obtaining maximum income for the new card. That is, now you will have to make purchases for 5 thousand every month. rubles for each card. Not very convenient, but for the sake of a high percentage you can strain a little.

Loyalty program Benefits and cashback

The loyalty program from HKB of the same name provides many opportunities for the cardholder to earn extra money. For each purchase, the bank will return bonus points to the client (from 1 to 3% of the purchase price), which can be converted into rubles at the rate of 1 point = 1 ruble in the program’s personal account. Points are valid for 1 year from the date of accrual.

So, what reward will the client receive for purchases?

1. For purchases in various popular categories of trade and service enterprises, the bank will return 3% cashback in the form of bonus points(This "separate" categories according to bank terminology). These categories include “Cafes and restaurants”, “Gas stations”, “Pharmacies”.

You can get 3% cashback on purchases at gas stations - not only fuel, but also any goods sold at gas stations.

The maximum number of points that a client can receive per month is 3000 points. Points are awarded on average within 4-5 days, and the maximum period is up to 45 days

2. For purchases in all categories except those listed above, the client will receive 1% cashback (these are the so-called basic points). The accrual will also occur in 4-5 days (maximum 45 days), and the maximum number of points will be 2000 points.

3. You can take advantage of the offers of the bank’s partners and get even more cashback in the form of promotional points (over 10% for some). To do this, you need to follow the link from your personal account “Benefit” to an online store that is a partner of HKB and make a purchase using the card (consider that the bank plays the role of a cashback service, only with a much more profitable cashback).

Enrollment is made within 70 days, the maximum number of points is limited only by the rules and conditions of participation in the promotion of a specific partner.

For example, when purchasing from a bank partner - the AliExpress online store, the bank awards promotional points in the amount of 6% of the purchase amount (except for mobile devices) and 3% of the purchase amount of mobile devices for up to 70 calendar days from the date of purchase.

As a result, you can receive a maximum of 5,000 cashback bonus points per month for purchases in basic and individual categories (few banks offer such a generous bonus) and plus an unlimited number of promotional points.

Points are converted into rubles after they are written off in your personal account of the loyalty program. You can write off any amount from 100 points.

Withdrawals

You can withdraw funds WITHOUT COMMISSION:

• At the bank’s own ATMs and cash desks;
• At ATMs of other banks, only the first five cash withdrawal transactions (for the sixth and subsequent times the bank will withhold a commission of 100 rubles per transaction);
• At ATMs of other banks without restrictions on the number of transactions, if a salary from a legal entity was transferred to the card in the amount of at least 20,000 rubles for the billing period (the payment purpose must indicate that this is salary) - although it is not specified from what moment the bank stops charging commission: from the beginning of the month and from the day the salary is credited or from the next month. These are preferential conditions for salary earners - a good incentive to receive a salary on this card, taking into account its other outstanding characteristics (interest on the balance + cashback).

The maximum withdrawal limit per day is 500,000 rubles.

Pay attention to the fact that in some cases the money must “stay” in the accounts, otherwise you can end up with a good commission.

So, when making a non-cash transfer to your card account from other credit institutions or from other bank clients, the money must remain in the account for at least 30 days, otherwise a commission of 10% of the withdrawal amount over 600 thousand rubles will be withheld.

The same commission will be withheld from amounts over 600 thousand rubles if the money arrived in your account in cash at a different bank office than where you intended to withdraw it, and stayed for less than 10 calendar days.

And one more unpleasant nuance - when terminating the bank account agreement (closing the card) at the initiative of the client or the bank, 10% will be withheld from the amount over 600 thousand rubles, regardless of how long the funds were in the account.

Translations

Home Credit Bank can only boast of cheap interbank transfers from the Internet bank or mobile application. It costs 10 rubles. And for salary earners (at least 20 thousand rubles in income per month) there is a benefit - such a transfer can be made free of charge.

Interbank transfer at a branch will cost 1% of the transfer amount (min. 500 rubles, max. 2500 rubles).

There are no benefits for transfers from card to card (Card2Card) - 1% (min. 100 rubles).

By analogy with withdrawals, in some cases money must remain in accounts: when received from another bank or client, the retention time is 10 days, otherwise the commission is 10% of the amount over 600 thousand rubles.

The big advantage is that the card allows you to withdraw funds from it without commission (for example, when replenishing cards of other banks with a Card2Card transfer).

How to top up a Benefit card without commission?

You can top up your card without commission at cash desks, ATMs and bank terminals, as well as through a transfer from a third-party bank card (Card2Card). You can transfer money from a card of any bank (in other words, “withdraw” money from the card) only in the IB or mobile application, and no commission is charged up to the amount of receipts of 300,000 rubles.

How else you can top up your card for free and conveniently, you can look at.

How to apply and receive? Revealing interesting nuances

From the age of 18, a Russian citizen can already order and receive a card at the office (a passport is sufficient). When ordering online, you will visit the bank branch only once, or you may not visit it at all if a card delivery service is available in your city (check this point when talking to an employee by phone - they will call you some time after the application).

After ordering plastic online or in the office, you will receive a personalized card from the Visa payment system. You can also receive a non-personal (instant) “Key” card, which will be issued at the office on the day of application.

Unnamed card of the Mastercard payment system with a chip on board. Its difference from the registered one is the lack of support for PayPass (contactless payment technology), the cash withdrawal limit reduced by 10 times, and the absence of a service fee. In the Internet Bank it will be displayed as “MC Unembossed”.

The forums pay attention to the following features:

1. Non-personal card The key can be issued only after the registration of a personal (main) card and only until it is ready (delivered to the office). After receiving the main card, the unnamed one may be blocked by the bank, but it may remain valid - as an additional card to the main account. Moreover, it will be completely free without any conditions. It will be valid until the expiration date - it cannot be reissued.

2. If you apply for a Key card before applying for a personalized card, then after the main card is issued, the non-named one will be definitely blocked.

3. If you already have a registered one in your hands, then they will not give you the Key, you can only get an additional card to your main account for 200 rubles (the additional one will be without any restrictions).

4. Finally, you can receive a second Benefit card with a separate account, and at the time of its issue receive a free, unnamed Key. As a result, you can have two Benefits and two free Key cards.

Once again, we draw your attention to the need to issue a card and receive it at the very beginning of the month. The approximate production time for a personalized card is 1 week (some managed to receive it in 2-3 days). Activation takes place on the official website - all you need is the card number and passport number.