Debit cards from Home Credit Bank, review of the best tariffs. Debit cards at home credit bank Order a home credit debit card

A debit card from Home Credit is used to accept payments and transfer personal funds both within your own network and to accounts opened in others financial institutions. The owner of such plastic can accept and spend money both in rubles and in foreign currency. In addition, Home Credit Bank does not charge a service fee for most of its debit packages (4 out of 6 cards are free) and offers favorable interest rates for the balance and a solid cashback. Using the CreditZnatok service, you can choose for yourself the most profitable payment instruments issued by Home Credit.

Types of debit programs

• Cosmos Visa is a premium Platinum class product with a one-year period free service And daily limit withdrawal of personal funds in the amount of up to 500 thousand rubles. Additional bonuses - 7.5% on the balance and the ability to issue a card online.
• Visa Key and Mastercard Key are a product with free service and low fees for online payments. The disadvantage of the product is the commission for cash withdrawal, which depends on a number of nuances (check additional conditions at the bank branch).
• MIR is a ruble product within which an online application for a card is allowed. The bonus is only 1% for transferring personal funds to cards of other institutions, but no commission is charged for transfers in the “home” bank.
• Visa Gold and Mastercard Gold- premium product for holders foreign currency accounts(dollars and euros), allowing you to order online plastic processing. The disadvantage of the program is the high cost of the issue (from $25).

Conditions of registration

To receive a HomeCredit card, the applicant must fill out online application on the bank’s website, indicating your full name, date of birth, telephone number and address email. After 10 minutes, the bank manager responsible for issuing the payment instrument will call you. He will clarify the issuance procedure and help you familiarize yourself with the terms of service for debit programs. At this stage, it is still possible to cancel the decision to issue or replace one product with another.

After confirming the potential client’s intention, the manager will clarify passport details and additional information (TIN, SNILS, etc.). After this, the data will be sent for printing.

To receive ready-made plastic, the client will have to visit a HomeCredit branch, taking his passport with him. The bank has branches not only in Moscow, but also in St. Petersburg and other large cities of Russia.

The procedure for applying for a credit card online will not take much time from the client. To submit an application to the bank, you just need to fill out a special form on the official website, entering your personal data. After sending, you must wait for a preliminary response from the financial institution; if it is positive, go to the branch to form a more detailed questionnaire. Let's take a closer look at how to order a Home Credit credit card by submitting an application online.

To apply online for a credit card, the applicant should prepare a computer, smartphone or tablet with Internet access. In addition, you must have a valid telephone number and a civil passport, since you will need to indicate document details in the application.

The borrower must know what requirements must be met in order to obtain pre-approval of the application. Individuals aged 21 to 64 years old who have permanent registration V Russian Federation with sufficient solvency. In addition, registration is required in the region where Home Credit branches or service points are located; the potential borrower’s continuous work experience must exceed three months.

Instructions for ordering a credit card

The algorithm of actions when applying for a credit card is quite simple. First of all, you need to go to the HomeCredit corporate website and go to the “Credit Cards” section. You will be presented with 4 lending programs offered by the bank:

• Card with Gold benefit;
• Card with Platinum benefits;
• "Fair";
• "Home Credit - Eldorado".

Before choosing a particular credit card, study the terms and rates of each product.

Having selected your preferred credit card option, click the “Apply” button. A special form will open for filling out; you will need to enter the applicant’s last name, first name and patronymic, as well as indicate the email address, if available. After entering the data, click “Next”.

The system will proceed to the second step of registration and ask you to indicate the date of birth, as well as the series and number of the identity document, number mobile phone. After filling out all the fields of the form, click “Submit” and the application will be sent to the bank to make a preliminary decision on it.

Why is an interim review necessary? This is an initial identification, a basic check of an individual for presence in the interbank “Black List”, in the list of debtors of the bailiff service. If the potential borrower is “clean”, the bank gives a positive answer and offers to visit the nearest Home Credit branch to conduct a more complete credit scoring procedure.

How are the applicants verified?

Immediately after the online application is received by the bank, employees begin to review it. A superficial identification of the applicant is carried out: specialists submit requests to the passport department, service bailiffs. A preliminary response is issued on average in 15 minutes and is communicated to the client via a call or SMS notification.

If the decision is positive, the individual is asked to visit the office in person to answer additional questions on the questionnaire. The manager will find out information about monthly income, place of work, length of service, other obligations to third parties, property owned, and will ask for contacts of the manager, relatives and close friends.

After the credit specialist prepares the questionnaire, the client will need to sign that all the information specified in it is true, and also agree to the processing of personal data. After completing these points, the application is submitted for final consideration.

The final decision is made after checking the accuracy of all data specified by the client, as well as receiving information about credit history applicant. You won't have to wait long; the procedure usually takes 1-2 hours. Upon final approval of the application, the client will be called back bank employee and will offer to receive the card at the branch. In the department, the borrower will have to sign everything necessary papers, take the card and get a login and password for personal account in SDBO "Internet Bank".

Is it possible to know the card limit in advance?

The final rates for the issued credit card will be determined by the financial institution along with the final response to the application. While there is no final decision, the manager can only tell the client an approximate range of the card limit, annual rates and additional conditions. The final information will be known only after the plastic is fully approved.

If the proposed conditions do not suit the potential borrower, he, before concluding an agreement, has the right to refuse to issue a credit card.

Maximum amount The card limit is determined based on data on the individual’s monthly income and monthly expenses. In cases where the client often pays with cards non-cash, the amount of funds on the credit card may be increased.

Annual rate for the use of borrowed money also varies and is established depending on the credit history of the borrower, work position, continuous experience and other related circumstances.

Or maybe order a credit card from another bank?

Today, the country's leading banks are replete with various credit offers. Therefore, before you register credit card, it makes sense to analyze what other financial and credit institutions offer and find the most profitable and comfortable banking product. Let's try to compare the most popular cards offered by leading Russian banks.

1. The Gold Benefit card from HomeCredit Bank is characterized by the first year of free service, in subsequent years - 990 rubles. Payment system – VISA Gold. The maximum amount of funds issued is up to 300,000 rubles, the grace period is valid for up to 51 days. Annual rate for transactions for non-cash payment for goods, works, services after completion grace period- 28.2%, when issuing cash - 49.9%. It is possible to withdraw cash from any ATM, the transaction fee is 4.9% of the amount, the minimum is 399 rubles. Plastic The benefits of Gold have an interesting bonus program, allowing you to receive cashback up to 3% when spending funds.
2. A credit card from AlfaBank “100 days without interest Classic” is distinguished by the length of the period exempt from accrual of interest - up to 100 days. Card payment system – VISA. The cost of annual maintenance is 1190 rubles. The limit for this product is up to 500 thousand rubles. Interest rate for a loan - from 14.99%, determined individually, depending on various factors. Cash in the amount of up to 50,000 per month is withdrawn free of charge, above - a commission of 5.9% is charged, minimum 500 rubles.
3. Plastic Tinkoff Platinum has a debt limit of up to 300,000 rubles, payment system plastic card– MasterCard. The interest-free period of the plastic card is 55 days. The fee for maintaining a card is 590 rubles per year. The rate for non-cash purchases is from 12% to 29.9%, for other transactions and cash withdrawals – from 30% to 49.9%. The commission fee for withdrawing cash from a card account is 2.9% + 290 rubles. Involves the accrual of points for spending on the card.

Alfa Bank puts forward the most comfortable conditions for plastic; these include a long interest-free period, a large loan amount, and acceptable rates for using funds. Another significant advantage is the possibility free withdrawal cash from card.

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Home Credit Bank monitors the lending market, and therefore its programs meet all the current needs of the population. The bank primarily focuses on helping the population purchase goods on credit and in installments.

Credit cards Home Credit

Let's look at the list of services that this organization offers to its potential clients. This will help you make your choice.

• Cash loans
• Installment plan for various products
• Platinum card with benefits
• Card with benefits Gold

The last two products of the bank are very popular and are in high demand. This is understandable, because with these credit cards you will not only be able to buy goods that interest you, but also return part of the funds in the form of bonus points.

Useful cards

Let's take a closer look at these two products. And if you decide to apply for a Home Credit credit card online, with instant approval of your application, then our website is at your service.

1. The ability to return on average from 5 to 10 percent of the amount spent in online stores
2. From one to five percent of the purchase price is returned with bonus points
3. When paying by card, the rate ranges from 19.9 to 29.9 percent
4. If you decide to withdraw cash from your card, the rate will be 49.9%
5. Recoverable limit up to 300 thousand rubles
6. Grace period is 51 days
7. Card support 990 or 4990 rubles per year

By deciding to apply for a Home Credit credit card, you get the opportunity not to think about the availability of money if you see a product that interests you. You can always pay with a credit card and return the money later, at the first opportunity.

Requirements for clients

Like other bank products, the requirements for clients here are quite simple. Nevertheless, it is advisable to familiarize yourself with them.

1. The card holder can be a citizen of the Russian Federation aged 21 to 64 years
2. Permanent registration in the service region
3. Receive a stable income
4. Work experience of at least a quarter at the current place of work
5. Availability of a service number, as well as a home or mobile number

In order to apply for a Home Credit credit card online without refusal (with an instant decision), you must meet these simple requirements.

Documents required and required for the card

To get a Home Credit credit card, you should ensure that you have a minimum set of documents. If you have a special offer from the bank, then a passport will be enough. In case of his absence. At your choice, you can provide: SNILS, international passport or driver's license.

Important! Although an income certificate is not required, you can prepare one as well. In general, the more documents you have prepared just in case, the higher the likelihood of approval.

You can apply for an instant unnamed card in any branch, or online, with an instant decision on your application. It is quite logical to assume that you value your time and will not waste it on the way to the bank, waiting there, but will take the opportunity to do it remotely, like many other clients of this organization who have already experienced all the benefits of its credit cards.

Useful card

You will not only have a convenient payment instrument, allowing you to pay for purchases in one touch, but also the privileges of the payment system.

1. You are awarded basic points for purchases in any retail outlets
2. You can receive bonus points when making purchases at gas stations, in restaurants and cafes, as well as in the “Travel” category
3. It is possible to receive promotional points; see additional list of promotional services on the bank’s Internet resource

You can also find out more detailed information on the accrual of basic, bonus and promotional points by sending a request to the consultants of our portal.

Hurry up to apply for a Home Credit credit card online with an instant decision and join the many satisfied customers. Shopping has never been as fast and affordable as with Home Credit Bank products. To do this, you just need to spend a couple of minutes, and you will receive a response to your application instantly. Take the chance to get a card without refusal.

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Debit card from Home Credit Bank is a universal financial instrument, intended for cashless payment goods and services, transfers and storage cash. Simple conditions and ease of registration of the card allow anyone to receive it. Let's find out how the Home Credit Bank debit card is used and under what conditions it is issued.

What is it? A debit card is an opportunity to make purchases and transfers as safe, fast and comfortable as possible.

We draw your attention to the types and basic tariffs presented in the Home Credit Bank line for debit cards:

Pay attention! To choose the most favorable tariff, use the help of a bank consultant or an online calculator on the official website.

Unlike credit cards(for example, VISA Platinum /Platinum or installment card), debit cards allow you to use only the funds on your balance. In fact, they replace banknotes and coins, simplifying payments, transfers and storing savings.

About the possibilities of debit cards

Debit cards issued by Home Credit Bank can be used for transfers using bank details ( commission – 10 rubles). Sending to cards from a third-party bank will cost more - 1% from the transfer size ( minimum 100 rubles).

There are no monthly service fees for some tariffs. According to the cards “Space” and “Benefit” it amounts to 99 rubles, however, there are a number of conditions under which the commission is not charged (for example, if purchases were made within 30 days, the total value of which exceeds 5,000 rubles). There is no charge for the first reissue of the card.

SMS notifications are connected to debit cards ( 59 rubles monthly), mobile bank and Internet banking. It is possible to insure the card (at the client's discretion). By specifying an email address when registering a card, notifications will be sent to it.

Step-by-step registration procedure

To order a debit card from Home Credit Bank for individuals, you need to go to the official website of the bank. On home page select section "Online application" and then "Application for a debit card". In the loading window it will appear electronic form applications.

You must enter:

• date of birth,
• mobile phone number,
• email address (if available).

Pay attention! To submit a virtual application for consideration, you must agree to the processing of personal information (check the appropriate box).

Enter only reliable information - otherwise you will not be able to pick up a salary or standard card from a bank branch. On specified number a message will be sent to your phone number verification code. A contact center consultant can contact you within 10-15 minutes to clarify the information.

As soon as your debit (savings) card is issued and delivered to the nearest branch of Home Credit Bank, the manager of the credit institution will call you or receive SMS notification. When going to the office, do not forget to take your passport with you.

Do I need to activate my debit card?

To use a debit card issued by Home Credit Bank, you will need to activate it. In 8 out of 10 cases, the card is activated at the time of issue - by an employee of the credit institution. If for certain reasons this was not done, the holder can contact any Home Credit Bank branch and activate the card.

If you do not want to go to the office of a credit institution, then activate the card yourself by contacting a contact center specialist and requesting a TPIN code (be sure to remember or write it down!). In the future, it will be required for authorization in the system. Within 72 hours, the holder must contact a call center specialist and find out the PIN code for the debit card.

Favorable deposits and withdrawals

A debit card issued by Home Credit Bank has no restrictions on the number or volume of withdrawals and top-ups.

Use various methods for this:

• ATMs of Home Credit Bank or other credit organization,
• cash desks at Home Credit Bank branches or other credit institutions,
• transfers from card to card using a personal account and Internet banking (within the bank),
• interbank transfers,
• use of the services of the Federal State Unitary Enterprise "Russian Post",
• through electronic payment systems, etc.

Home Credit Bank offers free replenishment of the debit card balance without restrictions. However, please note that a fee may be charged by a third-party credit provider (for example, when sending money from another bank's credit or debit card).

As for withdrawing funds, there is no commission charged at “native” ATMs. If you decide to withdraw money from your account at third-party ATMs credit organizations, then you will need to pay a commission of 100 rubles.

Benefits of debit cards

More than 1,000,000 Russians have chosen debit cards issued by Home Credit Bank for daily use. This is not surprising, because Home Credit Bank products, regardless of the tariff, are endowed with the following advantages:

• simplicity of design,
• high release speed,
• excellent technical support,
• online application,
• minimum package of documents,
• a number of free options,
• many tariffs to choose from,
• unlimited deposits and withdrawals,
• stylish design.

By applying for Home Credit Bank debit cards, you make a choice in favor of accessibility, security and bonuses. For some tariffs (for example, “Benefit”), points are awarded, which can later be converted into Russian rubles (rate: 1 to 1). Home Credit Bank partners return increased cashback.

A Home Credit Bank debit card is an excellent opportunity to safely store money without worrying about its safety. She is indispensable for ordinary people and for travelers, because when traveling it is not very convenient to pay for everything in cash.

At Home Credit, a debit card is issued for favorable conditions and very comfortable for its owner. The client is provided with a choice of debit Visa cards and Mastercard of different types. The cost of registration depends on the specific type.

Receiving a card

To get your debit card, you need to fill out a form on the bank's official website homecredit.ru, or by visiting a bank branch in person. You must take your passport with you.

To find out more about the release conditions and banking services, you can call the Home Credit call center line at 8-800-700-800-6. Consultants will answer all questions around the clock.

Advantages

Wide selection of programs with different conditions, supported currencies, etc. In particular, you can get a debit card without paying an annual fee. In this case, the bank fully bears all service costs.

Opening a new account requires a minimum of time. In just 1 day, the card is issued and issued to the owner.

The only documents required for this are a passport of a citizen of the Russian Federation. There is no need to collect a large package of documents and wait a long time for the bank’s decision.

The cardholder has the opportunity to withdraw cash from an ATM network, pay for purchases and services in stores, top up a mobile account, pay rent, etc.

A Home Credit Bank debit card can be used not only to store funds, but also to accumulate them. On all funds remaining on the bank, the bank charges 7% per annum.

This is only a small part of the benefits felt by bank clients who have issued debit credit cards for themselves.

Types of cards

The standard and simplest card is Visa Electron, which is included with each deposit. Its issuance and maintenance are completely free.

A classic card from Home Credit will cost the user 500 rubles annually. The production of gold “plastic” will cost more - 2,500 rubles. per year. Issue of currency classic card costs 25 dollars (euros), and gold currency costs 75 dollars (euros).

Interest rate on balance: for ruble classic and gold cards 5% and 7%. For classic currency and gold cards 4% and 5%.

Interest income is accrued on any balance, regardless of its amount.

Terms of Use

All Home Credit Bank clients can use mobile banking and online banking services free of charge. Through them you can pay for goods and services while staying from home. All you need is Internet access and the card itself.

Also, through these services you can transfer funds from your account to an account in another bank; the service costs 10 rubles. The payment is fixed and does not change depending on the transfer amount.

Owners of debit cards can pay for goods and services in partner stores with a discount of up to 30%. Now there are about 8,000 partner stores operating in different regions, where interest for payments for purchases and services is not charged. This is not only convenient, but also profitable, because you can save your money.

There are more than 1,000 Home Credit ATMs operating in Russia. In each of them you can withdraw money from your account without commissions.

If necessary, you can withdraw cash from a network of partner ATMs, the number of which exceeds 21,000 (fixed commission - 50 rubles).

Home Credit Bank has 25,000 employees, branches and ATMs in all regions of the country. Therefore, customer service is always fast and convenient.