The Home Credit – Eldorado credit card allows you to receive cashback when purchasing goods in the form of bonuses. You can receive the product for free, and the grace period is 51 days. You can pay for purchases immediately after purchase. The card was issued by Home Credit Bank together with the Eldorado electronics store chain.

By purchasing a card, the client automatically becomes a member of the Eldorado loyalty program. When purchasing goods on promotions in Eldorado, 3.2% of the cost is returned in the form of bonuses, when purchasing goods in other stores - up to 1.5%.

Bonus equivalents Russian rubles in a 1:1 ratio, and allow you to pay up to 100% of purchases in Eldorado stores both online and offline. Cardholders can also take advantage of special promotions and offers.

Interest rate is 33.9%, however, if you deposit funds during the grace period, you do not need to pay interest. You cannot withdraw cash from your Home Credit – Eldorado card. At the same time, it can be used as a debit card by placing own funds and using bonus points.

Externally, the map looks like an ordinary plastic card with chip without possibility contactless payment. Product maintenance is free of charge.

You can get a Home Credit - Eldorado card in a chain store, at online stores and hypermarkets, by contacting a credit manager or at the cash desk in his absence.

To issue an electronic loyalty card, you need to register on the website or make a purchase; if you have an account, just log in and request the product in personal account.

You can use the card:

• on the website - you will need to log in using a 16-digit number and when placing an order, indicate the number of points that you want to use for the purchase (it is impossible to receive bonuses without specifying the number if you made an online payment or ordered courier delivery;
• at the checkout - you must first link the card in your personal account, then present it at the checkout and indicate the number of bonuses to be written off when placing an order (if you don’t have the card with you when paying, you can use the SMS verification service - at the checkout, give the number to which the card is linked, and then the code received for it).

Authorization is carried out on the store's website. To do this, you need to click “Registration” at the top of the page and enter the 16-digit loyalty program participant number (located in the lower left corner), as well as the PIN code, which will be sent by SMS to the number specified upon receipt.

Regardless of the payment method, bonuses will be awarded within 24 hours after receiving the goods.

How to save and spend bonuses?

To receive points, you must make purchases with a Home Credit – Eldorado card. At the same time, the bonus when used in the Eldorado electronics store chain online or at one of the addresses will be 5.5%. When purchasing discounted or promotional products, 1% bonuses will be awarded. For purchasing promotional items in retail stores, the bonus amount will be 3.2%. 1.5% bonuses are awarded when making other purchases in any stores or retail networks. Special promotions are held periodically to allow you to earn more bonus points.

The accrual is based on the cost of the product minus discounts, markdowns, and the cost paid with a bonus or gift card. You can even get points by paying public utilities (1,5%).

Bonuses are not awarded in the following cases:

• when replenishing Eldorado gift cards;
• paying for the services of mobile operators;
• when ordering and paying for services at home;
• acquiring gift cards Apple company;
• when making payments through the Rapida system;
• when purchasing any products from DYSON, Miele brands and MIA kitchens;
• when transferring funds to electronic wallets, purchasing traveler's checks, lottery tickets, valuable papers, used in casinos and slot machines.

When making purchases using the card, the client will receive bonuses, which can later be used for purchases in the Eldorado chain of stores. Points are not awarded immediately; it takes a week to receive them. Bonuses can only be used 14 days after their activation. Unused bonuses expire after 180 days. If this happens, they cannot be restored.

Home Credit card personal account – Eldorado

You can check the number of bonuses in your personal account on the website eldorado.ru. To do this, you need to open the Bonus Account Balance tab – Reserve – Bonus accrual/write-off history.

From your personal account you can also make purchases in the online store and receive individually selected offers.

The bonus account is activated one day after the cardholder’s data is entered into the database. Bonuses will accumulate, but they cannot be used for payment before activation. There are 3 groups of Bonuses:

• inactive (credited immediately upon completion of the purchase, they cannot be used for 14 days after);
• reserve (debited from the account after the transaction is completed and appears only when paying in the online store);
• available (can be exchanged for a discount using any payment method).

You can also find out the balance of bonus points from Eldorado employees in the store or by calling 8 800 250 25 25.

If you are unable to log in to the system due to a forgotten password, you must open the password reminder form. There you need to indicate your login or address Email, used during registration, after which an email will be sent to your email with a link to change your password. It will redirect to the password change page.

Although the Home Credit Card of Eldorado Bank is a credit card, it correct use does not require additional investments when returning borrowed funds and allows you to make good savings on purchases and even receive pleasant bonuses.

What is a card from Home Credit - Eldorado?

Like all credit cards, Eldorado is a plastic loan that you receive on the condition that you will promptly repay the money received. The monetary medium has all the typical features of credit cards issued by all banks in the world:

• grace period;
• cashbacks;
• bonuses.

Eldorado is a product of interaction Home Credit Bank and Eldorado chain stores. Most of the benefits of its use relate to the owner's desire to shop at Eldorado.

Advantages

As already noted, the loan product has a number of advantages:

• wherever plastic is used, the owner receives bonuses for purchases;
• discounts on purchases in any stores;
• promotions with increased bonuses;
• each bonus is equal to 1.00 rubles and can be used to pay 100% of the purchase;
• bonuses from Home Credit Bank are valid for 180 days.

Program conditions

Home Credit Bank issues loan products under certain conditions, which should be carefully studied before using plastic. On the one hand, there are requirements for the borrower, that is, you must meet the criteria. On the other hand, the borrower is subject to obligations that must be fulfilled.

When reviewing the terms and conditions, always pay attention to:

• commission;
• grace period;
• permissible limits;
• repayment terms.

Even when ordering credit cards, you should consider your options.

Commissions

The described offer from Home Credit Bank is reminiscent of installment plans, when the buyer pays for the purchase in installments. However, it is not, since there is an interest rate that is not applied when issuing installment plans.

In terms of expenses for the owner of this Home Credit Bank card, the conditions are as follows:

• annual maintenance– 0.00 rubles;
• annual interest return on loan – 33.9%;
• for SMS notifications – 59.00 rubles.

Grace period is 51 days. This is the period during which the client is not charged interest.

Amount of credit

Another important point to pay attention to is the loan amount:

• minimum – 2,000.00 rubles;
• maximum – 300,000.00 rubles.

The first payment must be at least 0-30%.

Credit term

A loan for plastic is issued for a period of 1-2 years. Maintaining a Schedule monthly payments Necessarily. Otherwise, the overpayments mentioned above will be added additional payments in the form of a penalty for days of delay.

How to get a?

To become the owner of plastic from Home Credit Bank, you need to meet its requirements for borrowers. These relate to age, nationality and employment. The rest is simple:

1. Submit your application.
2. Present your documents.
3. You receive a card.

The entire procedure takes no more than 15 minutes. You should contact the Eldorado chain stores. Check online whether the point you are interested in issues plastic from Home Credit Bank.

The number of documents to be submitted depends on whether you received an offer from the bank to issue a card or not. If received, it is enough to show only your passport. If not, an additional one should be attached to the main document. It could be:

• international passport;
• SNILS;
• driver's license.

After studying the documents provided and clarifying the details of the loan, an answer will be given.

Client requirements

Before applying for a loan product, check whether you meet the requirements. The bank needs guarantees of your solvency and responsibility.

Borrower's age

The minimum age of the applicant is 21 years. Your application will be approved if you are already a client of Home Credit Bank at the time of your application. If you are not one, you must be at least 23 years old.

The maximum age is the same in all cases - 64 years.

Length of work at last place of employment

The length of service of the borrower serves as evidence of solvency and reliability. It is important that you worked at your last place of employment for at least 3 months.

There is no need to document proof of employment. You do not need to present a copy of your work record book or proof of employment. They will take your word for it. The only thing that will be checked by bank employees is your credit history. The verification procedure is currently being carried out in online mode.

Mandatory Russian citizenship of the borrower

Like most loans in Russian Federation, a loan on an Eldorado card from Home Credit Bank can be provided exclusively to compatriots. This means that if you do not have Russian citizenship, your application will be refused, which will not be reviewed if you apply again.

Income proof

In most cases, no proof of income from the person borrowing money is required. Demand documentary confirmation monthly income and their volumes may be determined in some cases when the client requests a large amount.

Issue and redemption

To receive a card in store, go to credit specialist. If there is none, contact the store's cash register immediately.

In Eldorado they issue a non-personalized card. If you want a personal one, contact your financial institution.

Important: regardless of whether you use a registered or non-registered product, its registration is free of charge.

Consideration of the application

The application is processed in an expedited manner. Just a few minutes, and you can go make a purchase, paying with bank money received on plastic.

Even if Home Credit Bank gave a negative answer, the card can be used to receive discounts from Eldorado.

Payment method

There are several ways to return money received from a loan:

• pay in cash at one of the Home branches Credit Bank;
• issue a transfer from another card of any financial institution;
• using the resources of Internet banking and other banks.

The buyer can choose the most convenient option.

Issuance of credit

The loan is issued on the card. You can only use money when making a purchase. There is no cash withdrawal function.

A non-named card is issued immediately on the spot, issued in activated form and, after entering the PIN code, becomes ready for use.

For production personalized card takes at least 5 days. At most you will have to wait about 2 weeks.

Early repayment

The most profitable will be early repayment. Since plastic provides a discount on purchases of 7%, by paying off the loan early, you pay Home Credit Bank 0%, and as a result, you receive the goods cheaper than indicated in the price tag.

During the first month you can pay the entire amount. Further, early settlement with the financial institution is made on the days specified in the schedule.

How to receive, save and spend bonuses?

The most pleasant aspect of using the Eldorado card is the bonuses that are awarded for each purchase and are received 7 days after payment.

Important: in relation to using the Eldorado card, cashbacks and bonuses are the same thing. The amount of charges depends on the conditions and place of purchase.

Another one important feature The fact is that you can use 1.5% cashback when paying for services in Internet banking. For example, when paying for utilities.

Using the map on the site

You can use the card to pay both for purchases in regular Eldorado stores and for purchasing goods in the brand’s online store. To do this, you need to log in to the company’s website and open your personal account. Authorization occurs according to the following algorithm:

1. On the official Eldorado website, at the top of the page, click on “Registration”.
2. Enter the plastic number in the box (at the bottom of front side).
3. Enter the PIN that will be sent to your phone in a message.

When purchasing goods with bonuses, when making a purchase, indicate the number of bonuses to be paid.

Using the card at the checkout

If you make payments at the cash register, in order for the bonuses to be written off, you need to present the card to the cashier.

Even if you don’t have plastic with you, you can take advantage of bonuses using SMS verification. To do this, you need to tell the cashier the phone number that was indicated in the form when receiving the plastic. Soon the device will receive a code that needs to be spoken to the cashier.

Points rules

The nominal value of each bonus, as already mentioned, is 1.00 rubles. Accruals are made according to the following scheme:

1. On the Eldorado network – 5.5%.
2. In the Eldorado network on promotional goods - 3.2%.
3. In all others retail outlets – 1,5%.

If you purchase a promotional item in an online store – 5.5%

How to find out how many bonuses?

Information about the number of accumulated bonuses can be obtained in one of 3 ways:

1. In your personal account on the Eldorado website.
2. Directly in the store from its employees.
3. By calling 8 800 2502525.

Conclusion

To avoid misunderstandings, be careful when taking out installments. They are issued not only by Home Credit Bank, but also by many others financial institutions. Installment plans from banks are nothing more than veiled loans. The financial institution is looking for its own benefits. The buyer's task is to find his own. IN credit product Eldorado they are.

Home Credit Card - Eldorado: cashback up to 5.5% for all purchases with Eldorado bonuses

5 (100%) 1 vote

With the new Home Credit - Eldorado card, accumulating bonuses for habitual purchases will become much faster, because up to 5.5% cashback on purchases new map returns in the form of Eldorado bonuses! Although the card is a credit card, it is absolutely free, and even with a fair grace period of up to 51 days - simply fabulous conditions. Externally, the card looks like a classic chip card Visa card without contactless payment function:

Cards are issued directly in Eldorado stores.

To do this, contact a credit specialist of the Bank (at the appropriate counter); if such a specialist is not available, go directly to the cash desk.

Before visiting the store, make sure whether this particular Eldorado issues Home Credit - Eldorado cards using a special service. To do this, select “Always Yes” in Eldorado in the filter:

Registration of the card takes no more than 15 minutes (of course, the card is unnamed), for registration you need a passport or any document of your choice: driver’s license, SNILS or foreign passport:

If you received an SMS offer from the Bank, then only a passport is required for registration.

It is during the process of issuing a card that your initial credit limit on the card will be approved. In the future, taking into account the dynamics of its use, the Bank may change it at its discretion. Home Credit's requirements for obtaining this co-brand are as follows:

Of course, no certificates, work records You don’t need to bring any other statements to Eldorado to receive a card - the data will simply be recorded from your words without verification. The main check that the Bank will perform is a request - in fact, on its basis a decision will be made.

If the Bank refuses you a credit limit, this map can simply be used as a regular bonus card"Club Eldorado" (if you don't have it yet) on general conditions and according to the rules of the Club.

The card received from the Eldorado store has already been activated; you just need to set the PIN code in any convenient way:

If you want to receive a personalized card, then you need to contact any Home Credit office with the received non-registered one. The period for issuing a personalized card will be from 5 to 15 working days; according to the terms of service and cashback, the card is not inferior to a non-named one.

It doesn’t matter whether you have a personalized card or a standard non-registered one - the issue and maintenance of this card is free without any conditions or pitfalls.

By the way, this is the only free credit card from Home Credit Bank available to a wide segment of clients.

But it’s not even the fact that the card is free that makes it different from all the others, but a solid cashback.

Cashback on Home Credit card - Eldorado

For all purchases made using the Home Credit – Eldorado card, cashback is awarded in the form of Eldorado bonuses:

• for purchases in Eldorado retail stores - 5.5% of the purchase amount;
• for any purchases in the Eldorado online store and for any purchases (in retail stores or online stores) of goods on promotions - 3.2% of the purchase amount;
• for any other purchases (made outside Eldorado stores) - 1.5% of the purchase amount.

The numbers are quite good. Even though this is cashback in the form of bonuses, it can be easily exchanged for a discount of up to 99% at a 1:1 rate when paying in any Eldorado retail or online store, so the accrual conditions are quite decent, especially for a free card.

Bonuses are credited 7 days after making a purchase:

and are reflected in the Eldorado personal account (not in the Home Credit Internet Bank!):

In general, all bonuses at the Eldorado Club are divided into three groups. In “Inactive” - bonuses are reflected immediately after making a purchase, after 14 days they will move to the “Available” group and they can be changed for a discount, and “Reserve” are bonuses that are frozen, but are not actually written off from the bonus account, they are written off after confirmation of receipt of the goods (i.e. the concept of “Reserve” bonuses occurs only when paying in the Eldorado online store).

It is important to note that 1.5% cashback in the form of Eldorado bonuses also applies to payments made in the Home Credit Internet Bank, including housing and communal services, communications, Internet, state duties, taxes and fines!

This is a significant, very significant advantage of the card! Find free card accruing cashback for the same “utilities” is an almost impossible task, so the new card has a significant advantage in this aspect over other cashback cards.

You don’t even have to use this card as your main one, but, for example, only pay for housing and communal services and communications with it - in any case, the bonuses accrued for such payment will not be superfluous.

Bonuses “live” for 180 days from the moment they are credited, so have time to spend:

Bonuses are awarded for any card transactions, except:

How to exchange accumulated bonuses for a discount?

When paying in a retail store, tell the cashier that you want to write off some or all of the bonuses. Bonuses are written off at a rate of 1:1 and in relation to the purchase made are a discount:

When paying in the online store eldorado.ru, when placing an order, select your card to write off the bonuses accrued to it. Bonuses will be withheld and transferred to the same “Reserve” status that we wrote about above. As soon as you receive the goods (by courier or pick-up in the store), the bonuses will be completely debited.

Whatever method you use, even if you have enough bonuses to pay for the entire purchase, at least a ruble, you will have to spend - in any way - in cash, from a Home Credit - Eldorado card or from some other card:

It is somewhat reminiscent of the rules for writing off bonuses - there you also need to pay at least a ruble to get a 99% discount.

You can exchange bonuses for a discount for any purchases in Eldorado, except:

Thus, if the check contains at least one item from this list of exceptions, you will be able to exchange bonuses for a discount for the entire remaining amount of the check, with the exception of the amount of this item and 1 ruble.

Credit line card Home Credit – Eldorado

This card allows you to enjoy a 51-day grace period.

Detailed rules for the grace period on a credit card are described in.

The interest rate for purchases on the card is 33.9% per annum, which is quite high. But if all debt is paid off during the grace period, it will be equal to zero.

Therefore, here, as elsewhere, we recommend using credit funds Bank only subject to repayment during the grace period. Otherwise, the whole point of accumulating bonuses will simply lose its meaning - all these bonuses, even assuming that these are real rubles, will be “eaten up” due to such a high interest rate.

The maximum credit limit can be up to 300,000 rubles, the minimum payment is 7% of the debt amount.

Home Credit – Eldorado card has limited functionality: you cannot withdraw cash from it.

This restriction may be for the benefit of the client, because will not lead the client into “credit bondage” due to traditionally large fines and fees for withdrawing money from a credit card. Therefore, we use the card only for purchases and making payments in Home Credit Internet Banking.

Neither the tariffs for the card nor the conditions for calculating cashback contain a requirement to make purchases strictly at the expense of credit limit. Therefore, if you don’t like credit cards, but the conditions for accruing cashback on this card interest you, the card can be used as a regular debit card: just place your own money on it and spend it, not paying attention to the credit limit and other features related to servicing a credit card.

The SMS package service is paid and costs 59 rubles per month, but is applied only if at least one transaction was made on the account during the month.

By default, the SMS package is disabled. You can activate and deactivate the service in Internet Banking and the mobile application.

The Bank's remote services are free, functionality and interface are decent:

The card does not have a contactless payment module; it also cannot be added to Samsung Pay or Apple Pay, and it seems that it will not be possible to add to Android Pay– Home Credit Bank did not express a desire to connect to this technology.

Who is the Home Credit – Eldorado card suitable for?

1. For those who like to make purchases in Eldorado and who want to accumulate Eldorado bonuses faster;
2. For those who are planning to make a large purchase in Eldorado;
3. For those who would like to receive 1.5% cashback on all purchases (instead of the standard 1% as with most other cards);
4. For those who want to get a free credit card, which can also be used simply as a “debit”;
5. For those who want to receive cashback for paying for housing and communal services, cellular communications, Internet, state duties and fines.

Even if you visit Eldorado occasionally, it’s worth getting a card at least for the last reason - you still have to pay for utilities, so why not get bonuses for this, which you can then spend on paying for something in Eldorado? How will you use the new card?

Recently, the market for loan offers in Russia has stabilized. Almost all credit institutions issue funds to clients at the same interest rates. To distinguish their organization from everyone else, banks began to offer fast credit cards with additional bonuses and excellent service culture.

There were so many offers on the market that it was already difficult to distinguish one credit institution from another. main feature instant cards is that many residents of Russia can get it for short term and only with a single passport, without income certificates and other mandatory documents.

Clients no longer need to collect dozens of papers, as was the case before. After all, the process has been simplified several times. This is the best feature of this product. However, it is important not to forget about the other side, which does not always involve favorable conditions for clients.

Key terms

All clients who contact the bank receive the following conditions:

• instant credit cards are more expensive to design than their analogues;
• the loan is charged more than high percent for the use of finances;
• credit limits are much lower than other cards.

Now home credit is trying to create the most loyal lending conditions for clients. Borrowers can apply for a credit card for their purposes in minimum terms by filling out an application online.

Benefits of an instant credit card

Now a home loan credit card has the following advantages:

• the registration procedure takes no more than 30 minutes;
• if there is no debt, clients do not need to pay anything;
• Over time, the size of the credit line increases;
• To obtain a card you need a minimum package of documents;
• There is no service fee.

For this reason, customers can order credit cards on the bank’s website at any time and enjoy all their benefits.

Credit cards

Home Credit Bank currently offers the following credit cards:

1. Visa Platinum. To apply for it, you do not need proof of income. Clients have 5% bonuses at “Gas Stations” and “Restaurants”. The interest rate of such a credit card ranges from 29.9 to 49.9%. Maintenance per year costs 4990 rubles.
2. Visa Gold. To obtain it, you do not need income certificates. Cardholders can receive a 3% bonus in the “Gas Station”, “Cafe” and even “Travel” categories. Maintenance per year is 990 rubles. Interest rate from 33.9 to 49.9%.
3. Home Credit - Eldorado. The card is issued without income certificates. Interest rate – 33.9%. Bonuses up to 5.5% are provided in all Eldorado stores. When paying for orders in the online store, you can receive bonuses in the amount of 3.2%. And for purchases from other organizations 1.5%.

In all cases, cards are issued free of charge and within 15 minutes. The credit limit is up to 300 thousand rubles. Grace period in all cases it is 51 days. These cards can also be connected to an SMS package, Internet banking, insurance, mobile bank, information by email.

It is important to know that the bank has also provided a system of fines for borrowers who violate the terms of use in cash. After the first delay, customers will have to pay 500 rubles. If there is a delay in the second month, the borrower will need to pay 1000 rubles, and for the third month – 1500.

How to get a credit card from Home Credit Bank?

Recently appeared good news regarding the fact that you can get a credit card quickly and for any purpose. First, an application is submitted for credit card, which provides the following information:

The Home Credit Eldorado card is significantly different from other bank cards. It is a joint product of Home Credit Bank and the Eldorado network, providing the right to make purchases on credit on loyal terms at all retail outlets of the well-known network.

The card was issued free of charge by Home Credit Bank specialists at the counters of Eldorado stores. The size of the credit limit was determined based on credit history client.

Currently, the release of new cards has ended. The Eldorado Home Credit credit card received before July 1, 2017 continues to be valid under the same conditions.

If you have a valid agreement, Eldorado Home Credit card bonuses continue to be awarded. In this case, the grace period (preferential period) is 51 days.

Clients cite the following conditions as the advantages of using a credit card, look at the photo:

Significant bonuses are credited to the card for every purchase made in all Eldorado stores, including goods purchased via the Internet. These bonuses are valid for 180 days. And the main advantage is that 1 bonus is equal to 1 real ruble.

The Eldorado network and Home Credit Bank guarantee the accrual and receipt of bonuses on the card. With accumulated bonuses you can pay up to 100 percent of the cost of any product.

Rules for accumulating and using bonuses

You have the opportunity to pay for purchases in Eldorado online stores, make payments for other purposes through Home Credit Bank’s online banking, and provide an installment card when paying at the store’s cash desk. Bonuses are awarded daily upon completion of transactions. They can be seen on the user’s personal account page 7 days after accrual.

You can check bonuses in your personal account on the Eldorado website.

They are divided into three groups:

• accessible,
• active,
• inactive.

Find out how many bonuses you received in a way convenient for you:

How to pay for a purchase with a Home Credit Eldorado card

If you make a payment in a store, you need to inform the employee at the checkout that you want to use the accumulated bonuses or part of them. You have the opportunity to write off the entire purchase price by paying only one ruble.

If payment is made for goods purchased in an online store, then when placing an order you need to enter in a special field the number of bonuses with which you plan to pay.

What do the owners think?

Users leave positive and even enthusiastic reviews about the Home Credit Eldorado card.

Tatiana, Rostov-on-Don:

“I received the card during a purchase at an Eldorado store. At first I didn’t really understand why I needed it, because I’m not a regular customer. But then I heard from a friend that you can pay for housing and communal services through Home Credit Bank’s online banking and receive cashback for it. Now this is the only way I make payments using receipts; I plan to make a big purchase using the accumulated bonuses.”

Nikolay, Ryazan:

“I bought an apartment and am furnishing it. I use the card all the time, buy all household appliances in Eldorado and receive nice bonuses for it. I learned how to correctly collect bonuses for large planned purchases. Thank you to the bank and the store for providing such a profitable opportunity.”

Feedback from a client under the nickname Penguin2000: