The Use of Home Credit Bank card, issued since 2018, occupies one of the leading positions in the ranking of the most profitable debit cards from Russian credit institutions. Let's find out what its features are and how profitable it is to receive it.

The Use card is a kind of analogue of the previously issued Cosmos card. It retains most of the possibilities of the Cosmos, but does not completely copy them, but offers new conditions.

Options:

• receipt of cashback for payments for services (housing and communal services, traffic police fines, taxes, etc.),
• contactless payments (payWave),
• Apple and Samsung Pay
• 3D Secure system,
• innovative chip.

Billing period changed. Since 2018, for all users of Home Credit Bank cards, it has been the same - from the 1st to the 30th (28th, 29th, 31st) of each month.

Cashback

Polza debit card issued by Home Credit Bank is a member of the Polza bonus program. Its holders can exchange points for money in real time using Internet banking. Current rate: 1 point = 1 ruble. Please note that bonuses are not rounded. They are credited to the balance with an indication of kopecks. For example, you spent 476.46 rubles, and 4.77 will be credited to your account.

You can write off points from the balance not immediately after making a purchase, but after a few days. Bonuses for any purchases - 1% . However, Home Credit Bank has set a limit - 2,000 points. For payments "Cafes and restaurants", "Trips and travels", "Gas stations", accrued bonuses amount to 3% , and the constraint is 3,000 points.

If you make purchases from Home Credit Bank partners and pay with a Favor card, then an increased cashback is credited to your balance, and there are no restrictive conditions. The full list of partners is available for viewing on the bank's official website.

The most famous ones offering high max bonuses are:

LitRes	21%
Reebok, Adidas	11%
Booking.com	6%
AliExpress, Obstetrics (baby products),	3%
Lamoda, Technopark, Sportmaster and other partner stores	5%

Want to learn more about the conditions for receiving affiliate cashback? Use your personal account Home Credit Bank. Keep in mind that the bonus period is 1 year.

Income on balance

An additional feature of the Benefit issued by Home Credit Bank is the receipt of income on the daily residual balance.

Its size is:

• 7% per annum– provided that 5 or more purchases were made within 30 days,
• 5% per annum– provided that less than 5 purchases were made within 30 days.

If the balance on the balance exceeds 300,000 rubles, then the bank charges 3% on the amount of excess (for example, if the balance is 450,000 rubles, then the rate will be charged on 150,000 rubles).

Withdrawal

To withdraw cash from the Benefit from Home Credit Bank card, you can use the "native" Home Credit Bank ATMs and any other ATMs. There is a limit of 5 free withdrawals, regardless of the amount. For the subsequent cashing out of funds, a commission of 100 rubles is charged.

Note! Using Internet banking or Home Credit Bank mobile service, you will be able to track the number of remaining free withdrawals.

If wages are credited to the Benefit card, then restrictions on the number of cash withdrawals are not determined. However, the amount of salary received should be 20,000 rubles or more per month. The daily withdrawal limit is 500,000 rubles.

Replenishment

Home Credit Bank for the convenience of users has provided various ways to replenish the card account for free.

Among them:

• transfer from a card issued by another organization via Internet banking,
• using ATMs and terminals of the Home Credit Bank network,
• in cash through cash desks in branches of a credit institution.

There are no restrictions on replenishment of the card.

Translations

You can transfer money from the Use to cards issued by other banks using the "Personal Account" service. The commission charged is 1% of the amount of the transfer, but not less than 100 rubles. If the transfer is carried out using bank account details, then the fee will be 10 rubles, regardless of the amount. Payroll card holders whose monthly income exceeds 20,000 rubles send transfers free of charge without restrictions.

Commissions

The Benefit from Home Credit card is issued free of charge. In addition, the fee for conducting transactions is not taken if there is at least one parameter from the list:

• the daily balance was 10,000 rubles and more (monthly),
• purchase expenses amount to 5,000 rubles or more (monthly),
• first 30 days after card issuance.

If you do not meet any of the above parameters, a monthly fee of 99 rubles will be charged. An additional fee is set for SMS notifications, thanks to which the client will always be aware of his balance and payment transactions. The service is not obligatory – it is activated/deactivated at the discretion of the holder of the Benefit. The cost is 59 rubles per month.

Requirements for holders

Home Credit Bank offers a Benefit card to every individual who meets several requirements.

Among them:

• Russian citizenship,
• 18 years and older
• the presence of an identity document.

Note! The issuance of the Benefit from Home Credit can be made with a minor citizen of the Russian Federation (over 14 years old), provided that his legal representatives provide consent in writing.

Registration instructions

To apply for a Benefit card, leave an application online using the official website or by logging into the client's personal account. Another way is to contact any branch of a credit institution (today they are located in all regions of Russia!).

It will take you no more than 3 minutes to fill out the questionnaire. Specify:

• surname, name and patronymic,
• email,
• phone number,
• series and number of the passport,
• date of birth.

Note! When filling out an online application, you will be asked to indicate an account in one of the social networks (Vkontakte, Odnoklassniki, etc.). If you do not want to enter this information, check the "Do not use" box.

After 7-15 minutes, an SMS containing the bank's decision will be sent to the specified phone number. In the near future, a specialist from a credit institution will contact you to ask a few questions and clarify personal data.

Interest is calculated and accrued on balances at the end of each day. Interest earned is paid on the first day following the billing period.

The settlement period in this case is equal to one month. That is, the interest you receive every month on the first day.

For each purchase you are credited with cashback under the bonus program « Benefit » . Cashback is credited in the form of bonus points, which you can exchange for Russian rubles.

1 Point = 1 Russian ruble.

You can convert points into rubles through your personal account of an online bank or mobile bank, indicating the required amount for conversion.

Cashback is credited for all purchases in the form of points, 1 point = 1 ruble. All accumulated points can be converted into rubles in your personal account on the Home Credit website.

What is charged for:

For all purchases - at a rate of 1%. Transfer usually comes within 4 - 5 days from the date of payment. The maximum amount of cashback that can be received per month is 2000 points.

The advantage of the "Benefit" card is a large affiliate system of popular stores, for purchases in which the holder returns up to 30% from purchase. In addition, when purchasing goods from partners, you are awarded additional promotional points. To do this, on the website of the online store, you need to pay with a debit card "Polza". Additional points are credited to the card from 1 to 70 days from the date of payment.

The card enables free service. To do this, you need to spend from 5,000 ₽ or keep an amount of more than 10,000 ₽ on the balance. If these conditions are not met, 99 ₽ will be debited from your account.

Reissuing a card for the first time is free for the client, but all subsequent times will cost 200 ₽. To the main Benefit card, you can issue up to two additional ones for the whole family with a common score. Thus, it is much easier to fulfill the conditions of free service and get the maximum cashback for spending.

The cost of SMS-informing at Home Credit Bank costs 59 ₽/month.

« benefit » can be used without entering a PIN code and pay for goods with one touch. To make a purchase, simply bring your card to the reader or terminal. The terminal will scan your data and the purchase will be made.

Such purchases can be made for amounts up to 1,000 ₽. If the amount exceeds this value, then you will need to enter the PIN-CODE of the card

Cash withdrawal. "Benefit" makes it possible to withdraw free of charge at any ATM without additional commission. This opportunity is given 5 times a month. All subsequent cash withdrawals are subject to a fee of 100 ₽. The withdrawal limit is limited to ₽500,000 per day.

• In the personal account of the bank, making a transfer to the card of another bank
• Withdrawal from ATMs of Home Credit Bank
• Withdrawal through the cash desk of any bank

Use of 3D Secure technology;

The presence of a chip.

An important feature is that now all customers have access to the card billing period from the first day to the end of the month.

What is the essence of debit card cashback?

Home Credit Bank issued a debit card to participate in the bonus program. Now you can easily exchange the accumulated points for rubles with the calculation of one point - one ruble. Points cannot be rounded, the amount is calculated down to kopecks. For example, 668 rubles 48 kopecks were spent, and you will receive 6.69 rubles.

You cannot write off points immediately after purchasing the goods, you need to wait a couple of days. Usually the money is returned five days after the application was made, a maximum of ten.

Other banks have restrictions on money transfers. Home Credit does not. You can get an affordable amount in any amount, even at night and on weekends.

Cashback is credited for various payments supported by Home Credit Bank. It could be about:

• Utility payments;
• taxes;
• fines;
• Mobile communications.

To do this, you need to use your personal account and pay all these payments via the Internet.

A bonus of one percent can be received for any purchase, but no more than two thousand points at a time.

If payment is made in a cafe or restaurant, at a gas station or when organizing a trip, then the cashback is charged in the amount of three percent. The maximum you can get is three thousand points.

There are also partner companies of Home Credit Bank, for the purchase of which a special increased cashback is charged. The number of points in this case does not have a maximum limit. There are more than a hundred such partners in total. You can read about them in your personal account.

Here is a list of a few of them, as well as possible percentages:

• LitRes - 21;
• Reebok - 11;
• Adidas - 11;
• Booking.com - 9;
• - 7;
• Sportmaster - 5;
• Ship - 4;
• M.Video and others - 3.

There is a feature that is written in your personal account, which consists in the fact that some stores allow you to pay for purchases with a card and get a cashback for it, while others require confirmation in your personal account to calculate interest on the balance.

How to use your personal account?

After issuing a Benefit card, you will be given access to your personal account. With it, you can manage bonuses, receive a personal offer for various promotions. Here you can see the individual rates of each partner.

Logging in is simple, you just need to indicate the mobile phone number to which the card will be assigned. In your personal account, you can see the entire history of purchases, what accruals were made, how many bonuses were written off. Here you can also see what the expiration date of the points is, how much should “burn out”. You can transfer points into money only in your personal account, there is no mobile application yet.

How to apply for a card

Once it's clear that there are clear reasons to use a debit card, it's time to figure out how to get one. To do this, you need to choose which card you need (we are talking about gold or platinum), then fill in the fields on the site by entering:

date of birth;

Male or female;

Telephone number;

Passport data (series and number);

Email;

You can also specify, but this is optional, an account in a social network.

Anyone can order a debit card, not just a bank client, as it was before. When the application is sent, they will call you from the financial institution and clarify the data, then they will tell you what to do next.

It usually takes up to half an hour between the application and the call. By calling, the operator will tell you for sure whether your application has been approved, if so, it will be additionally informed where exactly you can pick up your card.

Conditions for calculating interest on the balance

Every day you will buy something, paying with a card, so bonuses are accrued daily:

7.5 percent per annum if you purchased five items in a month;

5 percent per annum if less than five.

With a balance of more than three hundred thousand rubles, you can get three percent of the excess amount.

Withdrawing cash from the card

It is possible to withdraw cash from any ATM, not just Home Credit Bank. In this case, no commission is taken. But there is a limitation: a total of five operations can be done. For the next one hundred rubles is taken.

In your personal account and on your mobile phone, you can see how many withdrawals have already been made, and how many free opportunities are left. When receiving a salary for the benefit, there are no restrictions on withdrawals, only it must exceed twenty thousand rubles per month. You can withdraw up to five hundred thousand rubles a day.

Home Credit Bank is one of the largest credit organizations in the country. It was founded in 1990 and now has more than 3,000 branches and subsidiaries in various regions of Russia.

The bank regularly develops and provides customers with new bonus and affiliate programs for.
One of these loyalty programs is the Polza Home Credit card, through which you can make purchases or pay for services through your personal account. At the same time, the Benefit holder receives a guaranteed cashback equal to at least 1% of the purchase amount.

How to get access to your personal account?

The Benefit Card has three types: debit card, Gold credit card and Platinum credit card. They differ in the method of replenishment of funds, tariffs and the amount of cashback.

To issue one of these cards, you must leave an application for receipt on the bank's website and wait for a decision on the application.

If an individual is already a Home Credit client, then he can send an application through the personal account.

When making an application, you must provide personal information. It is these data that will be needed in the future to gain access to your personal account. If the banking organization has made a positive decision on the submitted application, and you have become the owner of a debit or credit card, you can conduct and track account transactions in your personal account.

To enter the personal account, you need to follow the link polza.homecredit.ru. On the page that opens, in the upper right corner, click on “Login”, and the “Login to Use” window will appear on the device screen. The entrance to the personal account of the Benefit card is carried out by the phone number and date of birth, which were indicated in the application.

If the data is entered correctly, an SMS message with an authorization code will be sent to the user's phone. If the SMS did not arrive, then you need to ask the system to resend the code.

Main functions

The personal account of the Benefit Home Credit Bank card opens wide functionality for customers.

• Exchange of accumulated points for rubles. 1 point is equal to 1 ruble.
• View the history of the card, the accumulation of bonus points and their withdrawal from the account.
• Find out the partners of the credit organization, the conditions and the amount of the cashback they provide.
• Write an appeal to the HKB expert in the chat.
• Read the answers to more popular questions of the loyalty program participants in the "Question and Answer" section.
• To study in detail in the column "Legal information" the terms of use of the card and tariffs.
• Payment of utility services.
• Also, through the Internet bank, users can replenish the account and monitor the accrued interest on the balance.

Benefit Home Credit card: payment of utilities

How to pay for housing and communal services will be prompted by the "Payments" section in the Internet bank. Here you need to select a supplier and enter the amount you need according to the receipt. Such payments are subject to a 1% cashback.

Users note that not all housing and communal services are available for payment with the Benefit card. Only services that are included in the HKB list are available for payments. How to pay a utility bill with a Home Credit Benefit card if there is no utility provider among the list proposed by the system? - You need to make a money transfer. To do this, you will have to fill in all the fields with the details of the recipient of funds. At the same time, in addition to the payment amount, a commission is charged, and cashback for money transfers is not charged.

HKB employees explain this by the fact that the bank works with several payment systems in Russia. If the supplier of electricity, water supply, gas and other services has not entered into a service agreement with any of these systems, then it is not in the list of templates for payment through Home Credit.

Benefit card: how to exchange points for rubles?

It is worth considering that the accrued cashback is rounded down depending on the amount of the purchase. For example, if a purchase was made for 199 rubles, then a cashback equal to 1 point, 299 rubles, is credited. equates to 2 points and so on (except for purchases from bank partners).

There is a deadline for crediting HKB points. If they are credited to a debit card no later than 15 minutes after the payment is made, then the term for crediting cashback to a credit card is from 2 to 10 business days. The minimum amount that can be exchanged for rubles is 100 points. The maximum is 100,000 points.

To produce points exchange the client needs to do the following.

• Log in to the personal account of the Benefit card via the Internet or the application on the phone.
• On the page that opens, click "Submit". After that, a window will appear with the amount of points that is available for debiting.
• Enter the number of points to debit from the account and select a card for crediting the ruble equivalent of cashback (if there are several cards with the Benefit option).
• After that, a message with a code will be sent to the client's mobile device, which must be entered in the window that opens.
• If all the steps were done correctly, then the screen will show the inscription "Success" and the funds will be credited to the account in the next few minutes.

You can exchange points from the Benefit card for rubles in your personal account no later than a year after they are accrued. Subsequently, they are reset.

Card replenishment

Holders of a plastic credit or debit card Posle can replenish it in several available ways:

• Use Internet banking and transfer money from a card of any other bank.
• Deposit money through ATMs or payment terminals of HKB.
• Deposit cash through the cash desk at any branch of the bank.
• Make a payment using the Russian Post.
• Pay through the terminal or cash desk of partners - Svyaznoy, Golden Crown, etc.

There is no maximum limit for depositing funds through the bank's cash desk. Through an application or an online bank, the amount of one transfer should not exceed the amount of 150,000 rubles, and the total amount of transfers per month should not exceed 300,000 rubles.

If money was stolen from the card account

If the money on the account is still under the control of the client, it is necessary to connect SMS informing. Then the cardholder will be aware of all transactions and purchases made. The cost of such a service is from 30 rubles. per month. SMS messages can be replaced by a mobile bank, which, with the appropriate settings on the smartphone, will also send notifications.

• If the money has disappeared from the card, it is necessary, if possible, to collect evidence that its owner is not involved in this. After that, contact the bank and the police, where you will have to write the appropriate statements.
• If the evidence provided for the banking organization turned out to be insufficient, and the funds were not returned to the account, then there is only one way out - going to court.

HCF provides cards with benefits for adult citizens of the Russian Federation. Both debit and credit plastics are equally beneficial for their owners. A nice bonus is an increased cashback on purchases from partners.
And for tracking and transparency of all expenses and charges, the bank has created a special resource - a personal account of the Benefit from Home Credit Bank card.