UPD. The promotion has been extended. When you apply for a card using my (or someone else’s) link, you receive 500 rubles in your account after a purchase of 500 rubles. Ask for help in comments or private messages.

Hi all!

I recently wrote that I earned 76 thousand in six months on Turbotext. And I decided that I wouldn’t let this money just evaporate, even if it brought me income even when I spent it. This kind of income is called cashback - in English: money back. The fact is that I probably received more than half (or so) of the amount I earned on Turbotext precisely by writing articles about cashback. There were shops, services, and most importantly - banks. I know all the banks' offers on this moment and I can name a joint in each one. And if you whisper to me about Sberbank, I’ll even write a poem. I thought for a long time, got ready for a long time and chose a card - Cosmos from Home Credit Bank. While I was thinking for a long time and getting ready for a long time, they managed to close the card and issue a new one - Benefit. This is what we will talk about.

How much can you get?

I was attracted by what the card gives 1% on all purchases- even to pay for housing and communal services. If you look at other offers, you will see that payments for housing and communal services, communications, internet, taxes and other mandatory payments are most often not subject to cashback. Since I live in the capital, I have really big expenses for housing and communal services. In principle, I can spend less on food per month than similar expenses, and at the same time I will not lose 7 kg, like some deputies. But this is rather a minus. Plus, I also pay housing and communal services to my closest relatives, and receive interest on the card from this.

If you don’t yet have a cashback card, then just take the amount you spend on groceries per month. Multiply it by 12 months and then divide by 100. This will give you an amount you can pay back without doing anything. But obviously you're spending on more than just food.

The first reason is real 1 percent on all purchases(except for casinos, drugs, transfers and a couple of other little things).

The second reason - increased rates. The card has three categories when an increased 3% cashback is awarded:

• fuel for cars;
• cafes, restaurants, fast food;
• trips.

I don’t have a car, I rarely eat out, but I really love traveling! I recently visited Thailand for the second time. My trip to a stunning hotel with excellent breakfasts cost 73 thousand for two weeks for two. And I received 3% cashback from this, that is, 2200 rubles. With this money in Thailand you can eat for two days without denying yourself anything. And if you know the places, then a week

Are there any restrictions?

The bank limits maximum cashback per card per month:

• You will receive 3000 points for increased cashback categories;
• 2000 points - at a rate of 1%.

There are also partners who offer increased cashback for purchases. Up to 10% (in fact, it can be more). For them, the maximum return is not limited in any way.

I'll tell you a little about our partners. In general, I am a fan of traveling on my own, so I am very familiar with Booking. What attracted me to Benefit is that according to Booking it gives 9-10% cashback, but the payment must be made instantly. But hotels don’t always require payment in advance, so it turns out that Increased cashback is not possible)

Why cashback in points?

I really don’t like it when cashback comes in points. This means that either it will be converted into rubles at some unfavorable rate, or it will have to be spent in certain places or even on certain goods. But all this does not concern the Benefits of Home Credit Bank. Her points are easy are converted into rubles at the rate of 1k1. There is only one condition - there must be more than 100 points. In general, I recommend immediately converting them into rubles, since I see no point in accumulating points themselves, they do not earn interest.

ATMs

You can only withdraw and top up money through a Houma cash desk or ATM. Moreover, you can withdraw without commission only 5 times a month. To be honest, this doesn’t bother me, but for some it may not seem like much.

Dislikes

Less than a month later, Home worsened the points system. If earlier, for a purchase of 167 rubles, I would have received 1.7 points, now everything is worse - for a purchase of 198 rubles, I will receive only 1 point. That is the figure began to be rounded up to whole numbers and not in favor of the client, which means the real cashback is not 1%, but less. I haven't felt a strong impact yet. And I’m unlikely to notice it, to be honest. Every month I have some unplanned expenses.

Responsibilities

In order for cashback to accrue, the card to be free, and interest to accrue on the account balance, you must spend 5 thousand rubles a month. As I understand it, if this is difficult to do in a certain month, then you just need to make a large purchase on the twenties of the month, and return the purchase two weeks later. So your card will be free, but for the cashback purchase they won't give it. For example, you can buy a coat or dress, returning them should be possible without problems if the item is not worn.

From the moment of launch, the card gave 7% per annum on the account balance, in the summer it was generous for a couple of months at 7.5%, and in the fall they made 7% again. 7% per annum - good rate, not all banks offer that much. But it is worth considering that it applies to the amount from 3 to 300 thousand rubles. That is, if you just have 100k on your card, then you will receive almost 600 rubles every month in interest only. And you need to add cashback to this. So a trip to a “free” cafe has appeared.

I will repeat the main idea: if you can spend 5k monthly, the card will be free!

If you simply store at least 10 thousand on the card, then it will also be free to service, but you will not receive either cashback or interest per annum, so I don’t even consider this option. But if both conditions are not met, then you will have to pay a hundred a month for maintenance.

Now think for yourself, free card, with which you can get a decent cashback. Is not that great?

What do you still have to pay for?

When concluding a contract, some harmful employees may check the box to receive SMS notification, that is, when you shopped at the store, you received an SMS about how much you spent and how much is left. I did not activate this service. Some are afraid that then they will not receive SMS with a code to pay for online purchases, but this does not apply to Home.

But I still know how much money I’m spending, because I just downloaded the mobile application, and Mobile Internet Everyone already has it, it seems to me. And so, you will have to pay for SMS notifications (if you want) 60 rubles per month.

Mobile app

It is very fashionable to criticize the mobile application from Home Credit, but I don’t understand such reviews. I’m one of those people who brew a kettle with their hands, rather than sending a request from a mobile phone for the water temperature and backlight (yes, they don’t!). That's why I don't demand much from mobile applications. In the program from Home Credit I can see:

• balance;
• recent expenses;
• latest additions;
• number of cashback points;
• the percentage that is accrued to me.

And the application itself can build me spending statistics for any period. Even in 1 day, even in six months - it’s very convenient. I’m not one of those who likes to solve banking issues through the application, and I’ve never had any questions or problems, so I can’t say anything here. The only thing I can say is: if a transfer is made to my card at night, then I receive a notification about it only in the morning. Although the money itself comes immediately. These are the strange things.

Internet bank

To be honest, I have never registered on the Home website and I don’t have a personal account there, since the application is absolutely enough for me. But there is a separate website for the Benefit program itself, which I often visit. There you can:

• view the history of points accrual;
• convert them into rubles;
• see partners.

And I will additionally highlight the opportunity to make purchases from partners with increased cashback. In this case, the site acts as a cashback service. That is, from here we make the transition, for example, to Ali and then shop. So, without any worries, I receive 7% from orders from Ali and don’t worry about whether they will accrue it or not.

Two cards for the price of one

The benefit is issued only in Visa format. And I don’t really like a Visa, since I often fly to Europe, so I also wanted a MasterCard. If you are as crazy as me, I will tell you how to do it for free.

The card must be issued only at the office. When registering, say that you need the card right now, in this case you will be given a a named Mastercard called the Key. She will have the same benefits as your Benefit. Then, when you come to receive the Benefit in a week, the Key should, in theory, be turned off, but most often they forget about it, so it remains All cards are linked to one account, so you don’t have to pay anything for the Key.

What benefit do I have?

Probably, after successfully trying myself in copywriting, I put the Benefit card in second place in terms of successful decisions for the year. Over the entire period of use (since May 2018), I received cashback of more than 8600 points. During this time I also spent quite a bit - 430 thousand. Well, some people spend that much for a hotel in the center of Paris, so everything is relative)

For example, here are my expenses and income for October. And let me remind you, the card is free - I really like it. And thanks to such spending charts, you can understand what area of ​​life I and others should look for increased cashback, so I recommend the Benefit card as a universal option for a beginner.

From Home Credit Bank - this is one of the best debit cards in Russia banking market. Shareware card with cashback, interest on the balance, free replenishment from any card and free cash withdrawal from any ATM.

The Benefit card allows you to save money due to increased cashback, interest on the balance and free servicing (the condition for the card to be free is easy to fulfill).

Card characteristics:

Billing period the same for all bank clients - from the 1st to the last day of the month.

Cashback

Debit card Benefit involved in bonus program“Benefit”, points are awarded for purchases, which can be exchanged in your personal bank account for rubles. The minimum amount for exchange is 500 points. Points are available for debiting not immediately after purchase, but after a few days.

1 point = 1 ruble. Points are awarded for every 100 rubles. purchases. Points are valid for 1 year from the date of accrual.

For payment of utility bills, taxes, fines, mobile communications, cashback is awarded, but only if you pay them through Internet banking, in the section Payments via a template form. In the search you need to find a service provider company.

Basic cashback

Bonuses are awarded for all purchases at the rate of 1%. Limit - no more 2 thousand points.

Increased cashback in three permanent categories

Bonuses at the rate of 3% are awarded in the categories “Cafes and Restaurants”, “Gas Stations” and “Pharmacies”. Limit: no more than 3 thousand points.

The “Travel” category that originally existed for the “Benefit” card no longer exists (cashback was 3%). Instead, Home Credit Bank began issuing premium card with increased cashback 5% in the Travel category.

And for those who like to buy mobile or video games, the bank offers a debit card.

Affiliate cashback

When making purchases at the bank's partner retail chains, additional cashback is awarded, the amount depends on the store and can reach 20%. There is no limit on points accrual here.

Please note that it is better to view the conditions for affiliate cashback in your personal account by selecting the desired store. In some stores you can get cashback simply by paying at any store (online or offline) with a Polza card. In some, you must definitely go to Personal Area Benefits, select the desired partner, click the “Go to store” button and, of course, pay with Benefits. Points for partner cashback are not awarded immediately, depending on the partner.

There are quite a lot of retail chains in different categories, affiliate cashback is especially interesting when paying for large purchases.

Increased cashback, connected for points

Bonus amount - 2% + 1% basic cashback = 3% . The following categories are available to choose from: travel and tourism, home and renovation, pets, leisure and entertainment, beauty and health (without pharmacies), appliances and electronics, children's products.

You can activate increased cashback in your personal account: for 1, 3, 6 months or a year. Active points are debited for connection, depending on the category and subscription period. It is convenient to activate increased cashback for a month, in the category in which large purchases are coming up.

Promotional cashback “Ten times the benefit”

As part of the promotion until December 31, 2019. cashback 10% accrued on purchases of Benefits in the category “ Clothes and shoes«.

Order a card Benefit

Interest on balance

Home Credit accrues income on the daily card balance:

• 6% per annum- if during the month purchases were made for 5,000 rubles;
• 3% per annum- if the balance is more than 300 thousand rubles (from the excess amount) and purchases were made per month for 5,000 rubles.
• 0% — if purchases are made for less than RUB 5,000. per month.

Promotion “Ten times the benefit”! Customers who have issued a Benefit card online before 12/31/2019 will receive 10% per annum for the balance up to 300 thousand rubles, if purchases are made for at least 5,000 rubles. per month. Increased interest are accrued in the first 90 days from the date of conclusion of the contract.

Cash withdrawal

You can withdraw free cash from your card not only at your own ATMs, terminals and cash desks, but also at ATMs of other banks.

You can withdraw cash from ATMs of other banks without commission up to 100 thousand rubles per month. If this amount is exceeded, the commission will be 1%, but not less than 100 rubles.

If you receive your salary on a Benefit card, then there are no restrictions or fees on cash withdrawals, but the amount of the transferred salary must be more than 20 thousand rubles per month.

The daily limit for cash withdrawal is 500 thousand rubles.

Card replenishment

You can use the Benefit card for free top up:

• with a card of another bank via Internet Bank, transaction limit - 150 thousand rubles, monthly limit - 300 thousand rubles;
• in cash through cash desks, ATMs and Home Credit Bank terminals.

Transfers from the card Benefit

Transfer by card number through your personal account to a card of someone else’s bank - 1% of the amount, but not less than 100 rubles.

Transfer using account details in your personal account - total 10 rubles, regardless of the amount. Salaries with an income of more than 20 thousand rubles per month, for free.

Maintenance cost

Debit card Benefit is free of charge. Card service fee cannot be removed when one of the conditions is met:

• Purchases made for the amount more than 5 thousand rubles. per month.
• Daily balance more than 10 thousand rubles. within a month;
• If a salary comes to the card more than 20 thousand rubles. per month(with the corresponding purpose of payment).

In other cases, the cost of servicing the “Benefit” card is: 99 rub. per month. The first month is free.

The conditions for free card servicing are quite feasible for every client, especially if a salary is transferred to the card.

Issue and reissue of the card is free. Repeated reissue at the client’s initiative - 200 rubles.

For SMS notifications - 59 rub. per month(you don’t have to connect/disconnect), the first 2 months are free. The commission is withdrawn only when at least one transaction is made per month. If you disable SMS notifications, messages will still arrive after each transaction, but they will not reflect the account balance.

Free services on the card Benefits:

• Blocking and unblocking the card.
• Obtaining a new PIN code.
• Receive an account statement at the bank office.

How to get the benefit

A Pozla debit card can be issued by applying online on the bank’s official website. In some cities the card is delivered free of charge by courier, for example, in Moscow. Where there is no delivery, you will have to come to the nearest bank branch to pick up the card with your passport. The card is personalized and takes about a week to produce.

If you need a card urgently, you can first get an instant non-personalized card and later get a registered one.

Any questions about the card can be asked in the bank’s online chat or by phone. The bank sends letters to Polza card holders explaining how to use it. When you receive your card, you will also receive explanatory materials and card rates in an easy-to-read form.

Pros and cons of the card

Pros of the card:

• Cashback, including for utilities, electricity, communications. Increased cashback in special categories and with partners. Bonuses are converted into rubles instantly.
• High interest on balance.
• Free replenishment from cards of other banks.
• Free cash withdrawal from any ATM.
• Free delivery of the card in major cities (Moscow, St. Petersburg, Nizhny Novgorod, Kazan, Chelyabinsk and others).
• Carrying out useful events.

Disadvantages of the card:

• Card delivery is not available everywhere - you will have to spend time visiting the bank.

Opinion

Benefit is one of best cards now in the banking market. Write your reviews and impressions about the Benefit card in the comments.

Since 04/01/2018, the Bank has stopped issuing Cosmos cards and is offering customers an extremely similar Benefit Card, with completely similar terms of issue and service, replenishment and withdrawal of cash, cashback, a slight difference in tariffs - we will note in the text of the article ( Basically, the difference is in the accrual of interest on the balance).

At first glance, these cards do not particularly stand out on the market. banking products: with a good percentage on the balance (more than on and), the cashback program suffers: 1% standard and 3% cashback for spending in certain categories, and even when cashback is accrued not in real rubles, but in bonus points - not so attractive, but small the number of bank offices and self-service devices makes it difficult to use comfortably and further alienates the client from of this product, but... Looking ahead a little, let's say that the cards also have significant advantages, in particular, a loyalty program, and bonuses awarded with points are not so bad, due to the simple procedure for converting points into real rubles. But first things first...
Advantages and disadvantages We will not separate them into separate blocks, but will mark them directly in the text with the appropriate icons...
pros,
minuses,
neither plus nor minus, means that the condition as a whole is average for the banking services market.

This is how the bank presents its card (video taken from the official HCF Bank channel on YouTube)

Cashback Is Inevitable

Promotion: Apply for a "Benefit" Card ✪ invitation link and get Better conditions by debit card + free shipping + first month absolutely no commission.
Updated 30.03.2019 : when registering using an invitation link, if you are not an existing client of the Bank, you will receive 10% per annum for the balance for the first three months of use!

Release and maintenance

Free issue personalized Visa Platinum card with a chip and PayWave contactless payment function. Release additional cards to an existing account - 200 rubles.

Cosmos Terms of Service

Service cost: free for the entire first year of use, hereinafter - , when any condition is met:

• minimum balance on SCS (special card account) - 10 thousand rubles, or;
• volume of purchases no less 5 thousand rubles per month.

Polza Terms of Service

WITH 05/30/2018 bank improves conditions, introducing the first month of unconditionally free service. Cost in the second and subsequent years - 99 rubles/month, or free, when one of the conditions similar to the conditions for the previous card is met.

It cannot be said that Banki has a wide branch network with many offices per city, but the bank’s geography is wide and it is represented in many cities of Russia (even if only with one or two offices per city).

Order a Benefit card (online application)

For existing bank clients

If you are an existing client of HKF-Bank, you can order production in the Internet bank. The bank does not provide home delivery service; you will need to receive the card at the office.

For new clients

Recently, using an online application, you can order not only for bank clients - ordering is possible on the bank’s website ( see affiliate link above): having filled out a short form, you need to wait for the call that you are ready, and come to the office only to receive it.

The form looks like this; shortly after filling it out, a consultant will contact you.

Cashback

Unlike the vast majority of banks, HKF-Bank awards cashback for:
payment for communications;
payment of taxes, fines, commissions;
payment of insurance premiums;
payment of utility bills.

Cashback is awarded with points, but these points are easily converted in the Internet bank or on a special website for the benefit program (more on that later).

Typically, with the exception of promotional points offered by partner companies, bonus points are awarded within 5 days from payment goods/services, thus, unlike other cashback cards, you do not have to wait until the next month to receive the required cashback. At points conversion, the money is credited to the card account within 10 working days from the moment the points are written off in the Internet bank.

From July 1, 2018, the bank introduced a minimum conversion amount = 100 points.

Bonus points are valid for 1 year from the moment of enrollment. If the points are not converted within 12 months, they "burn out".

Loyalty program Benefits

In addition to standard (1%) and increased (3%) cashback, the bank has special offers for purchases in the bank’s partner stores.

Cash deposit and cash withdrawal

Top up cards cash without commission is possible only at ATMs of the HCF Bank’s own network, or at bank branches.

Cash withdrawals from our own ATM network - no commission. There is also the possibility of withdrawing cash without commission from “other people’s” ATMs, but no more than 5 times a month, the sixth and subsequent withdrawals are subject to a commission of 100 rub. / 3 EUR / 3 USD for each operation.

Limit to withdraw money without “holding” within 10 calendar days from the moment of non-cash crediting to the account - 600 thousand rubles. The limit is quite decent for a person who is not bothered by cashing out large sums. Daily limit - 500 thousand rubles.

Incoming and outgoing Card2Card (c2c) transfers

Both cards are free card2card donors, allowing you to “draw” funds from yourself to cards of other banks.

Since December 2017 Bank cancels commission for replenishing cards from any payment cards Visa systems, MasterCard or MIR in Internet banking ( This functionality is not yet available in the mobile application). Money is credited to your account instantly.
Limit per month - 300 thousand rubles. Limit of one operation - 150 thousand rubles.

Incoming and outgoing interbank transfers

As in the vast majority of banks - no commission charged behind replenishment of the SCS (Special Card Account) by interbank transfer.

The bank itself does not offer free interbank transfers , but it is worth noting quite low commission for translation - 10 rub. for payment.

Service Features

Paid SMS notifications about operations. Marked with , but not Since SMS about transactions are already sent to your phone, the difference in free and paid SMS notifications is only in the absence of the current account balance.

How Internet bank so and mobile app(Android, iOS) - available and quite functional. The only thing worth noting is that you can convert benefit points only in a full-fledged Internet bank (or on the Benefits website), in mobile applications Such functionality is not yet available.

The bank can unilaterally change tariffs and conditions, notifying the client 10 calendar days in advance before the changes come into force.

According to 115 Federal Law, The Bank has the right request any evidence of the origin of funds and economic sense transactions documents. In case of failure to provide documents, he has the right to refuse to carry out operations and disconnect from RBS.

Apply for a "Benefit" card

UPDATE! 08/12/2019. My beloved Benefit began to lose momentum a little. Now the “Travel” category has been replaced by pharmacies . Home Credit Bank itself says that this is terribly cool, but we understand that the card is lost . However, it is still one of the best products in the debit cashback market.

By the way, until the end of September 2019, all clients of Benefit are entitled to a 15% cashback in pharmacies. It's time to get sick!

If traveling is too important for you, then I can recommend New Product.

She has very interesting conditions:

• 5% - for travel;
• 3% - on any purchases abroad;
• 1% - on all purchases.

And they also have excellent partners, for example, “Booking” pours as much as 11%! This is wow! Besides there is free passes to airport business lounges. But more details in the review at the link above.

Hi all!

I've finally matured!

For what?

To tell you about one of my favorite cash back cards called Benefit from Home Credit Bank!

Moreover, we will consider all the cards of this bank that provide cashback, as well as several more very useful ones.

But let's start from afar so as not to miss anything.

A bank with service according to the Soviet system: slow and with queues. Well, at least that's how I was lucky.

Founded in 1990, head office in Moscow. Part of the Czech group of companies of the same name.

At Home Credit Bank we are primarily interested in the installment card

In 2017, they rebranded, but this had no effect on ordinary people. Something else happened: they issued an installment card. Yes, not simple, like everyone else, but truly unique for our market.

Installment card from Home Credit

Its uniqueness is that she gives installments for any purchases in any stores.

This is really beneficial, because similar cards from competitors give a list of stores (with not the lowest prices, so to speak) and tell you to buy goods only there.

But for purchases from partners there will actually be an installment plan of up to 12 months.

Any purchases without overpayments!

Installment plan up to 12 months

Free service

Conditions for this “cardboard”

Everything is written on the list in black and white.

How the installment card works:

• With our card you can buy in installments without interest any goods and services around the world- in shops, cafes and restaurants, online stores and generally everywhere where Visa cards are accepted.
• Issuance and maintenance of the card is free. Cash withdrawals by card are not allowed.
• The cost of each purchase in installments is divided into equal parts and paid monthly: up to 12 months for purchases from program partners, 2 months for purchases outside the affiliate network.
• If you are not comfortable making the full recommended installment payment to avoid falling behind, you can pay the minimum payment and pay the remaining amount with interest. However, all new purchases will continue to be made in installments without interest.

But, as you can see, “BEFORE” appears here, which means the period depends on the store: maybe it’s actually a year, or maybe just three months.

The card costs 99 rubles per month if you used it this month.

If not, then no - it's incredibly convenient.

Re-issuance of the card is paid - 200 rubles.

You can see the list of card partners where you can buy goods with a gradual return at the link - www.homecredit.ru/shopping/partners

No cashback is accrued on this card from HomeCreditbank, so I won’t describe it further, because the essence is clear.

Cashback cards from Home Credit Bank

Here she is. Photo — Irecommend.ru

The Cosmos card from HomeCredit was the top one in terms of cashback conditions.

Why was?

It was closed in the spring of 2018, so I won’t talk about it. Why do we need a card from Home Credit with cashback that is no longer available?

There were a lot of reviews on the Internet about the Cosmos card: about good cashback, about popular partner stores, about free service and rates on the account balance.

The card was really very profitable, but they issued a replacement for it, “Benefit”. Now I always have “something useful” in my pocket. The debit card, of course, gives cashback from Home Credit, and since it’s my favorite, I’ll tell you about it at the end, like saving dessert for later.

You can get cashback with an installment card

At "Khomyak" ( This is what I so affectionately dubbed Home Credit) there are 4 types of cards:

• installments;
• credit cards;
• debit in rubles;
• debit in foreign currency.

As we understand, cashback will not be credited for installments - sweep aside.

They also don’t want to return a percentage of what was spent for debit cards in foreign currency - sweep aside.

What remains for us are credit cards and ruble debits - we’ll sort them out.

I’ll start with credit cards so I can quickly finish with them and forget about them.

Credit cards from Home Credit Bank

There are only four of them:

• card with Gold Benefit;

Card "GOLD"

• card with Platinum benefit;

Card "PLATINUM"

• "Fair";

Card "FAIR"

• "El Dorado".

Eldorado card

The latter was very profitable with its cashback:

• 5,5% — purchases in the red network (“Eldorado”); + About cashback in this chain of stores.
• 3,2% — purchases in the red network for promotions;
• 1,5% - in any store.

Consider 1.5% on all purchases.

Isn't it beauty?

But the key word is “was”. It no longer exists, as does Eldorado, which was taken over by M.Video.

This applies to all cashback cards from Khomyak, so I won’t repeat it.

But you won’t be able to earn all the money in the world with this card using interest returns, because it has a limit on the maximum accrual of funds per month:

Plus, there’s cashback from partners in the “Benefit” program.

For me, the amount is pleasant, I have never received that much in return per month, although I spent about 90k in the “Travel” category in a month, but that’s only 2700 points, and the maximum with an increased rate is 3k.

Yes, you didn’t read it right: cashback comes in points, but this is absolutely not scary, because with two clicks of the mouse it is converted into rubles almost instantly at a rate of 1 to 1.

There is only one limitation here - You cannot convert less than 100 points into rubles. But this is a small thing, as for me.

Additionally

As it turns out, the service is free only for the first year.

• And then you will have to shell out 990 rubles annually. This is a minus.
• Card supports contactless payment — that's a plus.

There are no special requirements for the client:

• age from 22 to 64 years;
• More than 3 years of experience at the last place of work.

Card with benefits “Platinum”

Her name will be "Platinum Credit Card".

They feed us the same promises:

• Grace period up to 31 days;
• credit limit up to 300k;
• cashback up to 10%.

But nothing is said about it being free, and this is annoying.

Are you interested in cashback from Home Credit? There is such an opportunity

"Platinum cashback"

Here higher rates await us:

• 1.5% - for everything;
• 5% - gas stations, catering, travel.

The rates have increased, but the cashback limit has not, that is, the maximum we can get is still the same:

• 2000 rubles - for purchases with 1%;
• 3000 rubles - for purchases with 3%.

Plus partners, of course. The rate of the point to the ruble is the same: 1k1.

Additionally

No wonder I was bothered by the fact that nothing was said about service.

I dug deeper.

• It turned out that it is terribly expensive here - almost 5k a year.
• For lovers of precision: 4,990 rubles.

This is absolutely not worth it, especially considering that the interest rate on the loan here is the same as in the previous option.

I'm shocked that someone would pay so much for a completely unremarkable card. .

"Fair"

I'm honestly shocked when I see offers like this..

This card is tied to a specific shopping center with the same name, it is located in Astrakhan.

I was thinking in the Moscow region (there is also a shopping center with the same name), but “Home” has gone somewhere unclear.

The bank is distributed almost throughout the country. Maybe really all the way. But why make a card with a shopping center in Astrakhan? Yes, only half a million people live in Astrakhan. Well, okay, they did it, they did it, and we’ll tell you.

Cashback at the Fair

A special feature of this card is that it gives 5% cashback in all stores of this shopping center.

That is, for weekly purchases at OK and for the purchase of Playstation at New Year It will be returned as a 5% cashback, and if someone needs to get their children ready for school, it’s absolutely beautiful.

To be honest, I envy the residents of Astrakhan, I also want a card that would give me 5% cashback on all stores in the shopping center. This is very cool.

In addition, on all other purchases they also give a percentage, although only one. But it’s better not to be capricious here.

But in fact, residents of Astrakhan won’t have long to rejoice, since cashback at the Yarmarka shopping center has been increased to 5%. valid only until August 20, 2018.

And the card was launched on August 20, 2017, that is, it could have been arranged for a whole year profitable purchases.

Stock up at the Yarmarka shopping center and get some of the money spent back

Additionally

The card is not free, it will cost 490 rubles per year.

This is the only reason why you can refuse the card: it may not pay for itself in a month, here you need to calculate the expected cost of purchases.

And when the promotion ends, it’s better to get a “Benefit” for yourself.

Debit cards with cashback from Home Credit Bank

“Khomyak” has run out of credit cards, I haven’t noticed anything special or profitable yet, so we’re moving on to debit cards with hope.

There are more of them:

• "Benefit";
• "Green Benefit";
• "Key";
• "World";
• "Fair";
• "Space".

But not all cards will be useful to us here.

“Key” and “Mir” are cards with free service, but without cashback.

I think they are issued when making a deposit and other banking things.

At the same time, later I will tell you why you and I may need the “Key” card.

The most popular debit card from Home Credit, “Cosmos,” is no longer available, so we won’t review its cashback either. There are only three left, I'll start the Fair while your memories of the credit card of the same name are still fresh.

"Fair-2"

What promises are they feeding us here?

And nothing except high cashback.

Therefore, let's go straight to it.

Cashback at the Fair

The numbers are exactly the same:

• 5% - in the Yarmarka shopping center;
• 1% - all purchases;
• 10% are partners.

Favorable conditions for this card are also valid until August 20, 2018, so you can either hurry up or score.

Cashback comes in points, which are then used to offset purchases.

There are also requirements for these purchases: no older than 3 months. And there are requirements for write-off: at least 1000 points.

That is, you will either have to spend money diligently in the next month in order to accumulate this amount, or then live with only 1% for everything. I wouldn't recommend any of these options.

Additionally

In general, the card is a debit card, so I expected to see interest on the account balance here, but, apparently, it was not fate, since it is not here - Another minus for this card.

And the service is always paid, that is, there is not even the opportunity to use the card for free - another minus.

I think you get my feeling about this plastic.

"Green benefits"

cashback from “green” partners

per annum according to account

bioplastic

Now we’ll make a table where I’ll write about “Benefits for our world” with this cardboard.

"Biodegradable plastic"	The main material of the card is renewable, environmentally friendly raw materials. Does not pollute environment and is easily recycled, while outwardly no different from other bank cards.
“Who is this card for?”	The card is focused on the interests of people leading a healthy lifestyle, vegetarians and all those who care about the environment.
"Green Partners"	We have selected companies that offer environmentally friendly and healthy products. They make it easy to maintain a healthy lifestyle. And with us are those whose products and services modern people cannot do without.
"Charity"	The cashback you earn can be credited to your card account and used as you please - spend it again, withdraw it in cash, or, for example, transfer it to charitable foundations

And now let’s move on to my (and not only my) favorite, which has only one drawback.

"Benefit"

Great card.

I don’t know what else to write about her, so let’s get straight to the point.

Let's start with the reviews. As is tradition, look at screenshots from people’s opinion sites.

And here are specific screenshots of what people are saying.

Overall, reviews are 4+.

Useful cashback!

The cashback here is exactly the same as that of the “Golden Credit Card” - the very first card that we examined.

This was a long time ago, so I won’t be too lazy to repeat it.

1%	for all
3%	for catering, travel, gas stations
to 10%	from partners

Now let's get started.

• 1% cashback on all purchases with the Benefit card! Really for everything except translations, gambling and any illegal activity. Even .

Moreover, the terms and conditions say that cashback is awarded only for paying for housing and communal services in Internet banking, but this is a lie. I do not use online banking in such cases, since a commission may be charged.

• Little life hack, how to pay for housing and communal services without commission: on the Tinkoff website. Absolutely anyone can do this - even those who do not have their yellow card, all they need is a phone number.

Moreover, if you have their card (they are also good), then log out of your “Personal Account”, take another phone number and pay with your card. This way your payment will be completed without commission and with cashback.

Don't thank me.

• Now about 3%. , any purchases at a gas station will come with a 3% cashback, even if you only buy a hot dog and not gasoline. , which many cards don't include. But still, don’t eat a lot of American food, it’s harmful.
• Trips. The advertisement for the card says that part of what was spent on train and air tickets will be returned, etc. Therefore, I was very worried that my vouchers, issued for one tour, would not be refunded. And he came at a higher rate!

That is, if you like to buy package tours, the card is also suitable.

And if you go and look at which MCC codes HomeCredit calculates cashback, you will see that increased rates also apply to car sharing and even metro trips.

In general, there are a lot of interesting things there.

As agreed, I’ll tell you about the partners later - it’s very interesting.

The cashback restrictions are the same here: 2k and 3k points depending on the category.

Plus there are partner stores.

Additionally

Additionally, the card can charge interest on the balance.

Moreover, unlike its competitors, who lower the rate, Home only increases it.

At the beginning of summer it gave only 7%, but now it’s already as much as 7.5%.

Well, of course, this percentage is not calculated on the entire amount.

The conditions are really good

Here's the terms and conditions:

• 7.5% - amount up to 300k and more than 5 purchases per month;
• 3% - less than 5 purchases per month;
• 3% - for an amount over 300k for any number of purchases.

Now let's look at specific situations to understand this:

1. 311k is stored on the card, 7 purchases were made - on 300k the rate will be 7.5%, on 11k - 3%;
2. 311k is stored on the card, 4 purchases were made - the rate is 3% on the entire amount;
3. 111k is stored on the card, 7 purchases were made - the rate is 7.5% for the entire amount;
4. 111k is stored on the card, 4 purchases were made - the rate is 3% on the entire amount.

And now it’s time for another life hack from me: if you top up your mobile phone with 10 rubles, this already counts as a purchase. Just not in the Internet bank, but on supporter sites: , even like housing and communal services.

Moreover, pay attention to the rate - 7.5%!

Now banks don’t give that much on deposits.

If you don't believe me, see for yourself.

Of course, they also give 8% different organizations, the names of which I have never heard before, but it is dangerous to put money there.

And Home is a proven organization. So grab that hook while it lasts.

How much does Benefit cost?

In general, the card will cost 99 rubles per month - quite adequate money for such “goodies”.

But it can be made free, and this is done very simply: at least one condition must be met:

• store more than 10k on the card without reducing this amount even for a minute;
• spend more than 5k per month on it.

I think that the second condition will not be a problem.

Housing and communal services are more expensive for me, sadness

Apply for a “Benefit” card at the nearest Home Credit branch

What's the downside?

For some this is not a minus, but for me it is.

“Polza” card with cashback from Home Credit issued only in Visa format.

There is no Mastercard for it, this is very sad when traveling to Europe, because there the money is written off in euros, which means there is a double conversion and, as a result, a double commission.

How does this happen? You have rubles on your card, you went to Conad, Eurospar, Lidl or any other European supermarket, and you got 16 euros at the checkout. In order to write off 16 euros from Visa, she first converts rubles into bucks, and then bucks into euros - she doesn’t know how to work any other way.

Otherwise, you can lose all the benefits of cashback.

But traveling to countries where they pay in dollars is much more profitable with it than with Mastercard.

But, unfortunately, there are not many such countries. Or luckily. After the conclusion I will tell you how I solved this problem.

Conclusion

Let me remind you that according to the law, you can receive a salary on absolutely any card in absolutely any bank, you just need to write an application.

And if you write, then your salary will automatically be credited with 7.5% per annum, and in addition, for any purchase there will be a 1% cashback.

Why do you need a Key card?

The fact is that “Benefit” is a personalized card. Some cans are stamped personalized cards instantly, but not Home Credit. This means you will have to wait a few days for your card. But this is only to our advantage.

You say when registering that you really need the card, and issue me an unnamed one for now.

The unnamed one is the “Key” card.

They open it for you and give it to you immediately. Moreover, it is free, but since you asked for it before the “Benefit”, cashback is also awarded for it.

Then, when your “Benefit” is ready, in theory you should return your unregistered plastic, but it is not always required.

In my case, they forgot about it and did not turn it off.

People on the forums say that many people managed to keep the “Key”.

After all, having two cards linked to one account is very convenient.

An additional nice thing is that the “Key” is a card based on MasterCard, that is, my problem with traveling to Europe was solved by itself.

I don't pay double commission I get cashback and free service - beauty.

But I remind you: you only need to ask for this card when registering for “Benefits”, otherwise there will be no cashback on it.

Partners

ATTENTION! A list of all partners with increased cashback is available at the link - polza.homecredit.ru/#allpartners

So I moved on to the coolest part of my story.

Now I will talk about why the Benefit program is beneficial.

Do you think I'm talking about this throughout this post? Perhaps, but especially now.

The principle of interaction with partners is built on the basis of a cashback service, that is, most often only for “online” purchases.

To do this, you need to log in to your “Personal Account”, select the store you are interested in, go to the bank’s website and make purchases.

But there are also personal offers. For example, or from 4% at Metro.

There it is no longer necessary to order online, as I understand it.

But they haven’t offered me this yet, but I would really like to.

Although they offer me, this rate is valid only in their online store, and only in Moscow.

One more thing needs to be clarified here.

• Take "Crossroads" for example.
• As I said, his rate is 11%.
• But in fact, the promotional cashback is only 10%, and another 1% is credited as a return on all purchases.
• Therefore, 1% will arrive within a couple of days, but the promotional 10% will have to wait up to 70 days, like in a real cashback service.

I suggest taking several partners and comparing whether they offer really worthwhile things. Let's start with where a lot of money is spent, for example, Booking.

You can get cashback by ordering services on Booking

"Booking"

I like to compare, because in such expensive issues every tenth of a percent plays a role.

And if the difference is a percentage or more, then that’s it - you’ll practically get rich, because the savings come out to be decent.

Let me remind you once again, to consolidate: the transition must be made from the page of the bank’s website, payment must be made with a “Polza” card. That is, the “pay at the hotel” option will not work, as with any cashback service.

When I saw the rate on “Booking” from “Home Credit” - I went nuts!!

He will return as much as 6% of the cost of housing.

I repeat that all cashback comes in the form of points to the card automatically.

Therefore, with two clicks on the mouse, points are converted at the rate of 1k1 into rubles.

Cashback services and Booking

Let's see what money-back-interest services offer us.

But here we must remember that if we pay with a “Polza” card at Booking, we will receive 3% from it, and it doesn’t matter where we got it from.

That is, we should focus on 6% promotional shares from Home Credit Bank.

And one more thing: since booking a hotel is an expensive entertainment, I will not consider the minimum amount for withdrawal from the cashback service; it will most likely be increased.

Let's start with one of the most popular services - "SecretDiscounter".

• SD will return 2% of a confirmed booking, regardless of what level you are in their loyalty program. If you combine it with cashback on the Benefit card, the maximum will be 5.9%. Against 9%. Doesn't fit.
• “Cashback.ru” and “Skidka.Ru” will return 4% for a confirmed reservation. Apparently, the ending “Ru” in the name gives them a special beneficial power. But this doesn’t change the meaning: seven percent versus nine. Doesn't fit.
• , which is beneficial only to new users in the first month of cooperation, as it offers increased rates for free.

If you find yourself in such a situation, the service will return you 5% of the amount spent on Booking.

That is, the total amount will be 8%, which again loses against 9% through the bank’s website. Doesn't fit.

"Girlfriend"

Recently, this cosmetic chain opened an online store, so so far the cashback at Podruzhka is very good, we need to take advantage of the moment, and I’ll tell you now how to do this most profitably.

Home Credit offers a 9% cashback under the Benefit program.

This means that 1% is basic and as much as 8% is promotional.

Let's see how cashback services respond to this.

What do the services offer?

• "Letishops" and "Kopikot" offer 2.5% each to start with. But at Letishops this rate can rise to 3.25% if you use the current code, buy a premium account or get a cashback of more than 10k from any stores. It’s inconvenient that the withdrawal here starts from 500 rubles.
• “Cashback.ru” also set a minimum withdrawal amount of 500 rubles, but it offers twice as much initial bid Letishops: 5%. But 5 and 8 cannot even be compared. Moreover, initially “Cashback.ru” gave so much for Podruzhka, but quickly reduced it.
• Although “EPN” is cool with its minimum withdrawal rate of 20 cents, it will return only 4% from a paid order from “Podruzhka”, and this is very frivolous.

"L'etoile"

I think the male half of humanity has now said: well, here we go again!

But I am sure that this same half of humanity loves reasonable savings. Now I will tell you about it.

The fact is that cashback can be accrued not only as a % of the amount, but also as a fixed value, regardless of the cost of the order. In such cases, the service assigns this fixed return and a minimum order amount. They do the same with Letual.

Home Credit returns 280 cashback points from an order at Letual for at least 320 rubles.

• If you fit exactly into this amount, the cashback will be as much as 87.5%!
• But in addition to this, a standard percentage is charged on all purchases.
• That is, in general, the savings will be 88.5%!

But Letual sells not only lipsticks, but also shower gels, shampoos, and shaving foams.

It was I who turned to the men again. After all, the lovely ladies have already understood how to shop profitably.

The coolest thing is that the number of purchases is unlimited, unlike many cashback services.

Interest refund services in Letual

I won’t tell you all the offers; I will cover the most popular and most profitable ones.

• "SecretDiscounter" will return 140 rubles for ANY ORDER. The withdrawal amount, as you remember, is acceptable compared to others. At least you won't have to save up.
• “Cashback.ru” will return the same 180 rubles, only the minimum order here is 1k. Not profitable.
• the minimum order amount is the same as “Polza”, only the refund will be 224 rubles, not 280. Again, bypassed.

Here you don’t even need to calculate the benefit as a percentage to understand who won.

Additional goodies!

I also like that the bank cooperates with those partners with whom cashback services have not concluded agreements.

For example, "Goods". In 2017, Letishops gave about 3% on it. Now it doesn’t give at all, like other services. And Khomyak offers as much as 7% for new store users and a modest 1.8% for old ones. Yes, not enough, but better than nothing.

The same can be said about the Charuel store.

I don’t remember any services ever cooperating with him, but now under the Benefit program you can get 5.9% promotional points + 1% base points.

And for services - zero.

• Or let's say, "Incanto".
• Of the services it provides the most big bet"Cashback.ru".
• It offers 9.5% and 8.5% to new customers on orders without a coupon and with a coupon.
• Old - 6% and 5%.

And “Home Credit” with the “Polza” card gives 9.5% cashback to everyone, as long as you pay with this card.

By the way, Aliexpress also has one of the most advantageous offers at our bank with its cardboard. Judging by the reviews, many people give this a high five.

But the wait for a return is long, as in principle everywhere.

Conclusion

Let's face it, Home Credit's cashback cards are so-so, except for one, of course. The “Benefit” card fully lives up to its name, even if it did not give cashback, it could be created only to get money for good percentage keep.

But it gives interest, and good interest. Well, for popular categories like cafes, restaurants, fuel and travel.

What I especially like: rounding in favor of the client.

Let's say you bought something for 791.62 rubles in a supermarket. You will be paid 7.92 points for this.

This is a bank of new opportunities, but the cashback conditions here are so-so with the exception of the “Benefit” card

Don’t think that this is not enough, because 10-20k extra per year will not be superfluous for doing absolutely nothing.

I tried to be objective and provide only facts (10 ratings, average: 4,40 out of 5)

Number of debit and credit cards is growing steadily. Plastic makes paying for goods much easier. Cafes and restaurants are willing to withdraw funds. The cashback service earned from Home Credit Bank becomes a tool that helps you save a lot of money and get some of your money back.

The affiliate network has exceeded 20 thousand and continues to grow. In addition to installments from 4 months to a year, you will be able to accumulate bonus points and exchange them.

Review of cashback service from Home Credit Bank

The goal of cashback is to attract customers, leading to increased sales and successful promotion of banks. It is necessary for both established financial institutions and newcomers.

Expanding Banking services, and a close relationship arises between the seller and the buyer, where a convenient service becomes an intermediary. The percentage of money back on plastic varies and ranges from 1 to 10.

The capabilities of the card owner are significantly expanded. Shoes, clothes, linen, household appliances, electronics, toys and books are purchased. Tickets for concerts, airfare and sporting events are paid for, hotels and inns are booked.

Home offers clients to use the service on preferential terms. The benefits become obvious given the constant expansion of the affiliate network. Access is provided by debit card and credit cards.

How to get compensation using cashback?

Receiving compensation is not difficult and occurs automatically after purchasing and paying for services. There are several categories that differ in interest rates.

To carry out the operation, two credit cards are used (Gold and Platinum) and debit space. Registration takes place in online mode. You will have to fill out an application or questionnaire and activate the service.

When visiting the office with title papers, a plastic card is issued. If a client orders a personalized card, he will be able to use an instant version with a valid cashback during production.

Program "Benefit"

An interesting program “Benefit” has been developed, which allows you not to constantly study the conditions and actively use cards in everyday life. Some differences in percentages depend on the type of plastic, which has its own program.

Depending on the type of services and regularity, points equivalent to a ruble will be awarded. In a short period of time, program participants were able to exchange about 100 million rubles.

It is preferable to monitor in real time the accrual and spent funds after activating the SMS package. The report arrives after 10 minutes and the balance is indicated. The account status in your personal account is described in detail.

Programs for credit cards

The amount of compensation depends on credit card. The potential owner will be able to make a comparison.

The Platinum package gets priority and helps you get back a good amount of money spent in one month. You will be able to save a lot of money in a year.

For the map "Space"

Positive feedback deserved the product "Cosmos". The benefits arise from the moment of purchase, not to mention the savings on purchases.

1. Plastic is ordered on the website by filling out a simple form. Receipt takes place in the office.
2. A store that is part of the affiliate network is selected.
3. The window indicates the number printed on front side.
4. The product is selected and added to the cart.
5. Points are awarded immediately after payment.
6. In Booking.com the rate approaches 2 percent, Aliexpress - 5, MotherCare - 7 and Lamoda - 10 percent.

Traveling, eating in restaurants and cafes, and refueling with gasoline are included in the 3 percent category. Various purchases are guaranteed to earn 1 percent, especially if they are made outside the affiliate network.

How to use points?

Bonus points are accrued no later than 5 days from the date of payment. They are converted into real money, subject to restrictions. The monthly ceiling reaches 2,000 rubles and reaches 3 thousand when using a rate of three percent.

10 days are allotted for the receipt of funds, sufficient for debiting in the Internet bank after expenses have been incurred. Reward points expire if not redeemed within 12 months.

Cards with cashback

On Gold and Platinum the limit ceiling reaches 300 thousand rubles. Interest rate starts from 29.8 per annum. There is a grace period of 51 days. There will be a 4.9 percent commission for cash withdrawals. The minimum payment will be 5 percent of the debt plus a specified percentage.

The difference is in points from 1 to 3 percent for Gold and from 2 to 5 for Platinum. When paying for services in the first case, the rate will be 34.9, in the second - 29.9 percent. True, Platinum service reaches 2990 rubles and this is two thousand more expensive than a similar credit card.

List of benefits

Applying to Home Credit immediately brings the first benefits, taking into account the link to cashback and the “Benefit” program. Potential client:

• acquires the necessary types of cards that complement each other;
• You will be able to pay utility bills and communication services, taxes and fines without a commission;
• For management and timely notification, a personal account and application are created » Mobile bank"and SMS package;
• after transactions, the client receives a notification and finds out the account balance (they will also be able to receive an email);
• innovative technologies do safe shopping in online stores and when paying by card;
• insurance is provided to reduce risks.

Home constantly develops programs that are interesting with reasonable rates and the absence of strict requirements. The greatest savings occur when purchasing from a partner network.

Accrual scheme

The accrual scheme is no different. One point is equal to one ruble. Certain limits have been established, and calculations are carried out using an online calculator located on the website. You will be able to save and convert from 2,000 to 3,000 rubles per month.

Conditions of registration

Purchasing and issuing a card takes a little time. All you need is a laptop or tablet:

• registration takes place on the Home portal and a personal account opens;
• a card is selected, a questionnaire is filled out or an application is sent online;
• approval will lead to the collection of papers to verify information in the application;
• the issuance of a non-named card will take place at the nearest branch, where the documents will be checked at the same time;
• the list includes a passport of a citizen of the country and an extract from the place of work for the last 3 months;
• personalized plastic will be made after a certain period, and during this period you will be able to use an instant card that includes cashback.

The passport will prove citizenship and a registration stamp in the region with the Home branch. Lack of work will not be an obstacle to the regular accrual of income to the account. The age range is from 21 to 64 years. As a replacement, they take a foreign passport, pension and driver's license.

Advantages and disadvantages

Summing up, you can again evaluate the specific advantages of cashback and pay attention to the disadvantages inherent in cards.

• The simplified registration procedure and collection of the minimum package looks very attractive (there is no concept of collateral or guarantee);
• you will be able to manage an amount from 10,000 to 300 thousand rubles and calmly pay for purchases along with services;
• the “Benefit” program helps accumulate points and allows cash withdrawals before the end of the billing period;
• savings of up to 10 percent or more occur when purchasing from Home partners;
• The repayment scheme has been well thought out, allowing for many methods (it is especially easy to use mobile and Internet banking).

• the lending rate of 29.9 percent is still quite high, in reality it reaches an average of 32.9;
• during registration, misunderstandings arise on the part of managers, processing and issuance times are delayed, and unnecessary services are included;
• employees try to impose insurance without explaining its merits (refusal leads to an increase in the rate).