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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 it offers its potential clients this organization. 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 issue credit card Home Loan online, with instant approval of the 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 online credit card without refusal (with 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 non-personal card at 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 accessible 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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In this article we will look at the tariffs for debit cards at Home Credit Bank. Let's look at how much cashback is and whether interest is charged on the account balance. We have prepared a procedure for completing an online application and collected feedback from bank clients.

Terms and conditions for Home Credit Bank debit cards

In the bank Home Credit debit cards of Visa, MasterCard and MIR payment systems are issued for using funds in rubles, euros and dollars. Common features include free issue and maintenance (except for the MIR card), cashback for purchases and an annual interest rate on the balance.

The validity period of ruble cards is 5 years, foreign currency cards are 2 years. All citizens of the Russian Federation can receive a card upon reaching 14 years of age.

Card Benefit

The card is serviced by the Visa payment system. Its holders can receive interest on the balance own funds, as well as maximum cashback when paying for purchases from bank partners (Kari, Aliexpress, etc.). There is no fee for card maintenance if the amount of purchases exceeds 5 thousand rubles. or the monthly account balance exceeds 10 thousand rubles. In other cases, the fee is 99 rubles. per month

Advantages:

• The first five cash withdrawals from third-party ATMs are free.
• Currency conversion without commission.
• The maximum interest on the balance is possible when the amount on the card is up to 300 thousand rubles. and making at least 5 purchases per month.

Map "Key"

The card has a standard set of functions.

Advantages:

• Transfers in Internet banking from 10 rubles.
• Currency conversion is carried out without commission.

World Map

The card is intended for paying for purchases in stores and on the Internet.

Advantages:

• Instant release.
• Transfers in online banking from 10 rubles.

Map "Fair"

A debit card is suitable for paying for purchases in any country in the world and storing personal funds. She supports technology Apple Pay, Samsung Pay, 3D-Secure, PayPass.

Advantages:

• Maximum cashback for making purchases from bank partners and at the Yarmarka shopping center.
• 1% cashback for any purchases.

Map "Space"

This is a Platinum class debit card, which can be used to pay in any country in the world. Its owners receive interest on their personal balance and points for all purchases. Free card servicing is possible with a daily balance of at least 10 thousand rubles. or with a turnover of 5 thousand rubles or more. In other cases, the fee is 99 rubles. per month

Advantages:

• The card supports the Benefit loyalty program.
• The maximum cashback is valid for payments in cafes, gas stations, as well as when purchasing travel services.
• Fast card issue.
• The first five cash withdrawal transactions are free of charge.

Online application for a debit card

You can apply for a card in several stages:

• Go to the bank's website, select the desired card and fill out the online application. Please indicate your name, date of birth, phone number and email in the form.
• Submit your application for processing and wait feedback with the Home Credit manager.
• Visit the bank branch with your passport after receiving notification of the card issuance.

Login to your Home Credit Bank personal account

Your personal account allows you to perform the following actions:

• Track account balances.
• Transfer money to accounts and cards of other banks.
• Order debit and credit cards.
• Open deposit and savings accounts.
• Pay public utilities, fines, etc.

Most transactions in Internet banking are carried out without charging a commission.

Advantages of cards

The main advantage of using Home Credit Bank debit cards is receiving income for storing personal savings. In addition, you can save a lot of money by getting refunds on your purchases. The money is returned in the form of points, which are used when paying for goods and services. Other privileges include free card servicing subject to simple conditions and long term use.

Most cards are released quickly. It is possible to receive the product on the day of application, for which you only need a civil passport.

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 data 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 who have permanent registration with a financial institution can take out a credit card from a financial institution. 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 will ask you to indicate the date of birth, as well as the series and number of the identity document, and mobile phone number. 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, work experience, other obligations to third-party organizations, property owned, will ask for contacts of the manager, relatives and close friends.

After credit specialist will prepare a 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, a bank employee will call the client back and offer to receive the card at the branch. At the department, the borrower will have to sign all the necessary papers, take the card and receive 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 the case where the client often pays with cards non-cash, the amount of funds on the credit card may be increased.

The annual rate for the use of borrowed money also varies and is set 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

1. . Let's try to compare the most popular cards offered by leading Russian banks. 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 non-cash payment goods, works, services after the end of the 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
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. Price annual maintenance is 1190 rub. Limit size this product up to 500 thousand rubles. The interest rate on the loan is 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, this includes a long interest-free period and large sum loans, and acceptable rates for the use of funds. Another significant advantage is the ability to withdraw cash from the card for free.

You can order a Home Credit credit card online. To do this, you need to fill out a short form, indicating your full name, contact information, date of birth and passport information. If the decision is positive, the client will be called and invited to the office to fill out an extended questionnaire and learn more about all the terms of the loan. The bank makes a final decision in 30-60 minutes, after which you can pick up the card at the same branch where the registration took place.

Credit Card Benefits

How to order a Home Credit Bank card via the Internet?

A potential borrower must have a computer or any other device with Internet access, as well as mobile phone. It is necessary to have a passport, because the application form contains fields with data from this document.
Read also: Home Credit credit card - online application
Citizens of the Russian Federation aged 21 to 64 years, permanently registered and residing in Russia, can order a Home Credit card via the Internet. The client must be registered in a region where there are branches or points of sale of the bank.

Another requirement for obtaining a bank credit card is to have a regular source of income. Work experience at the last place of work must exceed 3 months.

The process of ordering a Home Credit credit card online

The procedure for ordering a Home Credit Bank card via the Internet begins with choosing a plastic card. U credit organization 2 cards with a limit: Benefit Gold and Benefit Platinum. Select any of them and click on the “Apply card” button.

A new page will then open where you need to indicate your full name and email address.

In the new window, you need to complete the form by indicating your contact phone number, date of birth, series and passport number. If you wish, you can add a link to one of your social networks. If you are not registered in any of them, you need to check the appropriate box in the “I don’t use” column, which is located in the lower right corner of the questionnaire. Next, you need to click the “Submit” button and the questionnaire will be sent for consideration.

The point of the preliminary examination is to identify the borrower, superficially check on the “Black Lists”, be in the FSSP debtor database, etc. If the client is “clean”, the application is pre-approved and invited to visit any bank branch to fill out an extended application form for a credit card.

What happens after submitting the application for review?

As soon as the bank receives a credit card application form, it begins a superficial check of the client, makes a request Passport Office, FSSP, etc. The preliminary decision is made very quickly. Literally in 10-15 minutes the client receives a call or an SMS message with a preliminary decision.

If it is positive, the client is invited to the nearest office to receive plastic. On the spot, the borrower has to answer the employee’s questions again, because he must fill out an extended questionnaire. It consists of a larger number of questions (passport details, job, income, length of service, employer’s address and position, contacts of relatives and friends, property owned, etc.)

Having answered all the bank employee’s questions, the client signs the form for storing and processing personal data and agrees that all the data in the form is true. After this, the application goes for final consideration.

During the final check, the bank checks the borrower's credit history and makes a final decision. By checking through a scoring program, the bank manages to achieve maximum decision-making speed, which rarely exceeds several hours.

If the application is approved, the borrower will be called and invited to the office to receive the card. On the spot, he will have to sign the appropriate paperwork, receive a card and information to log into the Internet bank.

When the basic conditions for the card are announced (limit, rate, etc.)

The final tariff plan for the card will be formed by the bank simultaneously with the adoption of the final positive decision. Before this, a bank employee can announce the range of the limit, interest rates and other conditions, but the exact data will become known only after approval.

That is, the client finds out the amount credit limit and the interest rate directly upon receipt of the plastic. If the loan terms do not suit the borrower, he can refuse to receive the card at any second before signing the agreement.

The maximum lending limit will depend not only on the borrower’s income, but also on expenses. If he often pays a lot with cards in stores, then his limit may be increased. It is clear that the card limit for a borrower with a salary of 60 thousand rubles will be higher than for a client with a salary of 30 thousand rubles.

The interest rate is also set individually. It depends on the borrower’s credit history, place of work, length of service and other related factors.

Comparison of credit cards from Home Credit, Alfa-Bank and Tinkoff

Let's look at the main conditions of the most popular credit cards and compare them in the table, choosing the best offer.

Conditions	Benefits of Gold Home Credit	Tinkoff Platinum	“100 days without %” Alfa-Bank
System	VISA Gold	Mastercard Platinum	VISA Classic
Credit limit	Up to 300 thousand rubles.	Up to 300 thousand rubles.	Up to 300 thousand rubles.
% for cashing out funds	49.9% per year	From 30% to 49.9% per year	32% per annum
% for non-cash purchase transactions	From 19.9% ​​per year	From 12.9% per annum	From 23.99% per year
Validity period of the grace period	51 days	55 days	100 days
Additional bonuses	Benefit program (from 1% to 3% cashback points, which can be exchanged for rubles at the rate of 1 ruble = 1 point)	Bravo bonuses (1% cashback points for any purchases and up to 30% in special categories). Points can be exchanged for Russian Railways services and products)	No
SMS-Bank	59 rubles monthly	59 rubles monthly	59 rub. monthly
Annual maintenance cost	990 rubles	590 rubles	1190 rub.
Minimum payment for 1 month	5% of the debt amount + interest + insurance, but not less than 1000 rubles.	From 6% to 8% of the debt amount, determined individually	5% of the debt amount, but not less than 320 rubles
Fees for cash withdrawals from any ATMs	4.9%, but not less than 399 rubles	2.9% +290 rubles	ATM withdrawals up to 50 thousand per month are free. Starting from 50 thousand, a commission of 5.9% is charged, but not less than 500 rubles

If we compare all 3 cards, then the most optimal conditions are offered by Alfa-Bank with the “100 days without interest” plastic card. Yes, it has the highest annual maintenance cost and no additional bonuses in the form of points.

Free service

Increased limits

Automation of issuance

0% on all installments

Design

Reliable financial institution offers a line of attractive programs designed for prompt financing of consumer projects with maximum benefit for the borrower. Home Credit Bank LLC credit card provides multiple uses borrowed money without unnecessary appeals to the lender. The owner of the plastic card has the right to freely pay for goods and services non-cash and withdraw cash from ATMs within the established limit. Requests for issuing a credit card in a simplified manner are accepted at the institution’s branches, by telephone and via the Internet. The latter option requires minimal effort from the applicant.

Submit an online application for a credit card from HCF Bank LLC

The dream of round-the-clock access to borrowing is realized quickly without unnecessary delays. You just have to choose one of the programs presented by the issuer and in a few minutes fill out a simple online application for your favorite Home Credit and Finance Bank credit card. The products of a well-known lender have attractive parameters:

• large lending limits;
• extended grace period free use borrowed money;
• insignificant fees for cash withdrawals;
• generous accrual and clear conversion of bonus points;
• convenient ways to replenish your account.

The user must take into account that for non-cash payments the card is valid for a minimum interest rate. Borrowers are completely freed from searching for guarantors and encumbering property with collateral.

Order a Home Credit Bank credit card online

An urgent order of a credit card using a passport is formed in online mode on the official website of Home Credit and Finance Bank LLC in 5 minutes. In the appropriate fields of the short application form you should indicate basic information about the new user:

1. date of birth and gender of the applicant;
2. address of registration and actual residence;
3. contact information;
4. account on one of the social networks.

The scoring program provides a preliminary answer in 2-3 minutes. The approved client receives a call from an employee financial institution to clarify passport data and additional information about the characteristics of the applicant.

Open a Home Credit Bank credit card with an instant decision

The completed application is reviewed expeditiously. An applicant who wishes to open a credit card of HCF Bank LLC with easy registration and an instant decision upon request is informed within half an hour of the final answer on the provision of a credit line and determination of the size of the revolving limit. The applicant will only have to come to the office, present the original documents and sign the contract. A passport is required to open a loan. Providing an additional document increases the chances of a positive result:

1. international passports;
2. TIN certificates;
3. SNILS;
4. driver's license.

Non-working pensioners will need a pension certificate. The ideal confirmation of solvency is a 2-NDFL certificate and a copy certified by the employer work book or contract.

Conditions for obtaining a Home Credit Bank credit card

Democratic conditions for urgently obtaining the desired credit card from Home Credit and Finance Bank LLC provide access to financial resources to representatives of various professions and social groups. It is enough for the applicant:

1. have Russian citizenship;
2. reside in a constituent entity of the Russian Federation on the territory of which the issuer’s subdivision operates;
3. have a regular income;
4. work for at least 3 months at your current job;
5. provide personal (home or mobile) and work (landline) phone numbers.

The characteristics of the majority of applicants meet the established criteria. Those wishing to gain financial independence should take advantage of interesting bank offer and personally evaluate the benefits of contacting a loyal organization:

• easy remote request preparation;
• prompt approval of the requested amount;
• minimum requirements for borrowers and a package of mandatory documents;
• absence of unreasonable delays;
• effective work of the customer support service.

Proper management of expense transactions and account replenishment mode ensures comfortable use of the payment instrument and insignificant overpayment.