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Home Credit card - Eldorado: cashback up to 5.5% for all purchases with Eldorado bonuses
5 (100%) 1 voteWith the new Home Credit - Eldorado card, accumulating bonuses for habitual purchases will become much faster, because up to 5.5% cashback from purchases new map returns in the form of El Dorado bonuses! Although the card is a credit card, it is absolutely free, and even with an honest grace period of up to 51 days - well, just fabulous conditions. Externally, the card is a classic Visa chip card without the contactless payment function:
Cards are issued directly at Eldorado stores.
To do this, contact the Bank's loan officer (at the appropriate counter), in the absence of such a specialist - directly to the cashier.
Before visiting the store, make sure that in this particular "Eldorado" Home Credit - Eldorado cards are issued using a special service. To do this, in the filter, check "Always Yes" in El Dorado ":
Issuing a card takes no more than 15 minutes (of course, the card is not named), a passport or any document of your choice is required for registration: 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 in 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 own discretion. Home Credit requirements for obtaining this co-brand are as follows:
Of course, no references work books You don’t need to bring other statements and 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 has refused you a credit limit, this card can just be used as normal bonus card"Club Eldorado" (if you don't have it yet) on general conditions and in accordance with the rules of the Club.
The card received in the Eldorado store is already activated, you just need to set the PIN code with any convenient way:
If you want to get a personal card, then you need to contact any Home Credit office with the received non-personal one. Release date name 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 registered card or a standard unnamed one - the issue and maintenance of this card is free of charge without any conditions and pitfalls.
By the way, this is the only free credit card Home Credit Bank, available to a wide segment of customers.
But it’s not even the free card that makes it different from everyone else, but a solid cashback.
Cashback on Home Credit card - Eldorado
For all purchases made using the Home Credit - Eldorado card, cashback is credited 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 store) of goods on promotions - 3.2% of the purchase amount;
- for any other purchases (made outside of Eldorado stores) - 1.5% of the purchase amount.
The numbers are pretty good. Let it be a cashback in the form of bonuses, but it can be easily exchanged for a discount of up to 99% at a 1:1 rate when paying at any Eldorado retail or online store, so the accrual conditions are quite decent, especially for a free card.
Bonuses are credited 7 days after the purchase:
and are reflected in Eldorado's personal account (not in the Home Credit Internet Bank!):
In general, all bonuses in the Eldorado Club are divided into three groups. In "Inactive" - bonuses are reflected immediately after the purchase is made, after 14 days they will go to the "Available" group and they can be exchanged for a discount, and "Reserve" - these 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 takes place 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 utilities, communications, the Internet, state duties, taxes and fines!
This is a significant, very significant advantage of the card! Finding a free card with cashback accrual for the same “communal” is almost an unrealistic task, so the new card significantly outperforms other cashback cards in this aspect.
Might not even use this card as the main one, but, for example, to pay only 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 of their accrual, so have time to spend:
Bonuses are awarded for any card transactions, except for:
How to exchange accumulated bonuses for a discount?
When paying at a retail store, tell the cashier that you would like to withdraw some or all of the points. Bonuses are written off at the rate of 1:1 and in relation to the purchase being made are a discount:
When paying in the eldorado.ru online store, during the ordering process, select your card to write off the bonuses accrued to it. Bonuses will be withheld and transferred to the same “Reserve” status, which we wrote about above. As soon as you receive the goods (by courier or pickup in the store), the bonuses will be definitively written off.
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 for:
Thus, if the check contains at least one item from this list of exceptions, you can exchange bonuses for a discount for the rest of the check amount, except for the amount of this item and 1 ruble.
Credit line card Home Credit – Eldorado
This card gives you the opportunity to use a 51-day grace period.
Detailed rules of work grace period by credit card are described in .
Interest rate for card purchases is 33.9% per annum, which is quite a lot. But if all the 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 redemption in 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 with giblets” due to such a high interest rate.
The maximum credit limit can be up to 300,000 rubles, minimum payment is 7% of the debt.
Home Credit Card - Eldorado with limited functionality: you cannot withdraw cash from it.
This restriction may be to the benefit of the client, because will not lead the client into "credit bondage" due to traditionally large fines and commissions for withdrawing money from a credit card. Therefore, we use the card only for purchases and making payments in the Home Credit Internet Bank.
Neither in the tariffs on the card, nor in the conditions for accruing cashback, there is a requirement to make purchases strictly at the expense of the credit limit. Therefore, if you do not like credit cards, but you are interested in the conditions for accruing cashback on this card, it is quite possible to use the card as a regular debit card: just place your own money on it, and spend it without paying attention to the credit limit and other features associated with servicing a credit card.
The SMS package service is paid and costs 59 rubles per month, but it is applied only if at least one transaction was made on the account during the month.
SMS package is disabled by default. You can activate and deactivate the service in the Internet Bank and mobile application.
Remote services of the Bank are free of charge, functionality and interface are worthy:
The card does not have a contactless payment module and cannot be added to Samsung Pay or Apple Pay, and it seems impossible 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?
- For those who like to make purchases in Eldorado and who want to accumulate Eldorado bonuses faster;
- For those planning to make a major purchase in Eldorado;
- For those who would like to receive 1.5% cashback on all purchases (instead of the standard 1% like most other cards);
- For those who want to get a free credit card, which can also be used simply as a “debit card”;
- For those who want to receive cashback for paying utility bills, cellular communications, the Internet, state duties and fines.
Even if you visit Eldorado occasionally, you should get a card, if only for the last reason - you still have to pay for the "communal", so why not get bonuses for this, which can then be spent 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 lend money to customers at the same interest rates. To make their organization stand out from the rest, banks began to offer fast credit cards with added bonuses and a great service culture.
There were so many offers on the market that it was already difficult to distinguish one credit organization from another. main feature instant cards is that many residents of Russia can get it in a short time and only with a single passport, without income statements and other mandatory documents.
Clients no longer need to collect dozens of papers, as it was 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 reverse side, which is not always in favorable conditions for customers.
Key conditions
All clients who apply to the bank receive the following conditions:
- instant credit cards are more expensive in design than their counterparts;
- more than high percent for the use of finances;
- credit limits are much lower than other cards.
Now homecredit is trying to create the most loyal lending conditions for customers. Borrowers can apply for a credit card for their purposes in the shortest possible time by filling out an application on the Internet.
Benefits of an instant credit card
Now home credit credit card has the following advantages:
- the registration procedure is no more than 30 minutes;
- in the absence of debt, customers do not need to pay anything;
- over time, the size of the credit line increases;
- to obtain a card, a minimum package of documents is required;
- There is no commission for service.
For this reason, customers can order credit cards on the bank's website at any time and enjoy all their benefits.
Credit cards
Now Home Credit Bank offers the following credit cards:
- Visa Platinum. You don't need proof of income to apply. Clients have 5% bonuses in "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.
- Visa Gold. You don't need proof of income to get it. Cardholders can get a 3% bonus in the category "Gas Station", "Cafe" and even "Travel". Maintenance per year is 990 rubles. Interest rate from 33.9 to 49.9%.
- Home Credit - El Dorado. The card is issued without proof of income. 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 get bonuses of 3.2%. And for purchases in other organizations 1.5%.
In all cases, cards are issued free of charge and within 15 minutes. Credit limit is up to 300 thousand rubles. The grace period in all cases is 51 days. You can also connect to these cards an SMS package, Internet banking, insurance, mobile bank, email notification.
It is important to know that the bank has also provided a penalty system 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, then the borrower will need to pay 1000 rubles, and for the third - 1500.
How to apply for a credit card at Home Credit Bank?
Lately there have been good news regarding the fact that you can get a credit card quickly and for any purpose. First, an application is submitted for a credit card, which indicates the following information:
Home Credit-Eldorado credit card is a bonus project that allows its holders to make payments for purchases in Eldorado stores, as well as in any other retail chains. Credit cards are distinguished by a number of features that attract the consumer with the possibility of issuing it:
- the possibility of placing own funds on the account, the non-cash settlement of which gives the right to receive bonus accruals;
- free registration and no commission for card maintenance;
- the presence of a chip that provides additional security of the calculation;
- a credit card can only be used as a means of cashless payment;
- accrual of bonuses when making a purchase according to the established tariffs.
A credit card can be issued within one day by submitting a request for consideration electronically. The offer is available in Moscow and other regions of the country to citizens over the age of 21. To apply for plastic, you must submit a minimum of documents that allow you to assess the reliability of the candidate.
Lending conditions as an indicator of product benefits
For those who decide to issue a credit card, the bank is ready to offer the following conditions for the use of funds. The maximum plastic limit is 300 thousand rubles, which can be used for settlements in retail chains and via the Internet. The presence of a grace period (51 days) increases the attractiveness of plastic. If it is not possible to repay the loan within the allotted period, the bank will charge interest payment, accrued on the balance of the debt, the amount of which is 33.9% per annum. For residents of Moscow, its use is of particular relevance.
Do you want to buy an expensive thing, but you don’t have enough money for it now? The credit card of Home Credit Bank can correct the situation. Now the bank issues this means of payment individuals per day. A card can be issued using a passport at a bank branch or remotely.
Conditions for issuing credit cards at Home Credit Bank
For those wishing to order a Home Credit Bank credit card, the following conditions for working with a means of payment apply:
- interest on the loan - 17.90% per annum (the bank has a single rate);
- credit limit on the card - up to a million rubles;
- grace period of crediting - 50 days;
- issue of 5 additional cards;
- free annual maintenance free cards offered by many Russian banks).
Also, credit cards allow you to get cashback for large purchases.
All citizens of Russia can receive Home Credit Bank credit cards. To do this, they just need to submit a request for a credit card on the website of the organization. An online application for such a means of payment can be submitted by you at any convenient time. The bank will review it in an hour. If the application is approved, you will need to come to the branch, choose the design of the means of payment and issue a Home Credit Bank credit card along with the agreement. The credit card will be active on the day of receipt.
Credit card Home credit - Eldorado allows you to receive cashback when buying goods in the form of bonuses. You can get the product for free, while the grace period is 51 days. You can pay for purchases immediately after purchase. The card was issued by Home Credit Bank jointly with the Eldorado electronics store chain.
By purchasing a card, the client automatically becomes a member of the Eldorado loyalty program. When buying goods for 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 ratio of 1:1, and allow you to pay up to 100% of purchases in Eldorado stores both online and offline. Cardholders can also enjoy special promotions and offers.
The interest rate is 33.9%, however, if you deposit funds during the grace period, you do not need to pay interest. It is impossible to withdraw cash from the Home Credit - Eldorado card. At the same time, it can be used as a debit, placing own funds and using bonus points.
Externally, the card is an ordinary plastic card with a chip without the possibility of contactless payment. Maintenance of the product is free of charge.
You can get a Home Credit - Eldorado card at the chain store, at the points of issue of online stores and hypermarkets, by contacting the credit manager or at the cashier in his absence.
For clearance electronic card loyalty, you need to register on the site or make a purchase, if you have an account, just log in and request a product in your personal account.
You can use the card:
- on the site - you need to log in using a 16-digit number and, when placing an order, indicate the number of points that you want to use when making a purchase (it is impossible to receive bonuses without specifying a 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 deducted when placing an order (if you do not have the card with you when paying, you can use the SMS verification service - at the checkout, name the number to which the card is linked, and then the code received for it).
Authorization is carried out on the website of the store. To do this, click "Registration" at the top of the page and enter the 16-digit number of the loyalty program member (located in the lower left corner), as well as the PIN code that will be sent by SMS to the number specified upon receipt.
Regardless of the payment method, bonuses will be credited 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 buying discounted goods or products for promotions, 1% bonuses will be credited. For the purchase of goods for shares in retail stores, the amount of the bonus will be 3.2%. 1.5% bonuses are awarded when making other purchases in any stores or retail chains. Periodically, special promotions are held that allow you to earn more bonus points.
Accrual occurs from the cost of the goods minus discounts, markdowns, the cost paid by a bonus or gift card. You can get points even 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;
- with the purchase of any products of the DYSON, Miele brands and MIA kitchens;
- when transferring funds to electronic wallets, purchasing traveller's checks, lottery tickets, valuable papers, use in casinos and slot machines.
When making purchases using the card, the client will receive bonuses that can later be used for purchases in the Eldorado chain of stores. The accrual of points does not occur immediately, it takes a week to receive them. You can use bonuses only 14 days after their activation. Unused bonuses expire after 180 days. If this happens, they cannot be restored.
Personal account of the Home Credit card - 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 - Reserve - History of accrual/withdrawal of Bonuses tab.
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 (accrued immediately upon completion of the purchase, they cannot be used within 14 days after);
- reserve (deducted from the account after the completion of the transaction and appear 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 cannot log in to the system due to a forgotten password, you must open the password reminder form. There you must specify the login or email address used during registration, after which an email will be sent to the email box with a link to change the password. It will redirect to the password change page.
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