Debit cards at home credit bank. Debit cards from Home Credit bank Apply for a home credit debit card online
Home Credit Bank debit card is an excellent opportunity to securely store money without worrying about their safety. It is indispensable for ordinary people and for travelers, because on the road it is not very convenient to pay for everything in cash.
In Home Credit, a debit card is issued on favorable terms and is very comfortable for its owner. The client is provided with a choice of Visa and Mastercard debit cards of different types. The cost of registration depends on the specific type.
Getting a card
To get your debit card, you need to fill out a form on the official website of the bank homecredit.ru, or by visiting the bank branch in person. You must take your passport with you.
To learn more about the terms of issuance and banking services, you can call the Home Credit call center line at 8-800-700-800-6. Consultants will answer all questions around the clock.
Advantages
A wide range of programs with different conditions, supported currencies, etc. In particular, you can get a debit card without paying an annual fee. In this case, the bank fully assumes all service costs.
It takes a minimum of time to open a new account. In just 1 day, the card is issued and issued to the owner.
Of the documents for this, only a passport of a citizen of the Russian Federation is required. There is no need to collect a large package of documents and wait a long time for the bank's decision.
The cardholder gets the opportunity to withdraw cash from the ATM network, pay for purchases and services in stores, top up a mobile account, pay rent, etc.
A Home Credit Bank debit card can be used not only to store funds, but also to accumulate them. From all funds that remain on, the bank charges 7% per annum.
This is only a small part of the benefits that the bank's customers who have issued debit credit cards have experienced.
Types of cards
The standard and simplest card is Visa Electron, which is attached to each deposit. Its issuance and maintenance is completely free.
A classic card from Home Credit will cost the user 500 rubles annually. The release of gold "plastic" will cost more - 2500 rubles. in year. The issue of a currency classic card costs 25 dollars (euros), and a gold currency card - 75 dollars (euros).
Interest rate on the balance of funds: for ruble classic and gold cards 5% and 7%. For currency classic and gold cards 4% and 5%.
Income as a percentage is accrued on any balance, regardless of its amount.
Terms of Use
All clients of Home Credit Bank can use mobile banking and Internet banking services free of charge. Through them, you can pay for goods and services while staying at home. All you need is Internet access and the card itself.
Also, through these services, you can transfer funds from your account to an account in another bank, the service costs 10 rubles. Payment is fixed and does not change depending on the amount of the transfer.
Owners of debit and can pay for goods and services in partner stores with a discount of up to 30%. Now there are about 8,000 partner stores operating in different regions, where interest on purchases and services is not charged. This is not only convenient, but also profitable, because you can save your money.
More than 1,000 Home Credit ATMs operate in Russia. In each of them, you can withdraw money from your account without commissions.
If necessary, you can withdraw cash in the network of partner ATMs, the number of which exceeds 21,000 (fixed commission - 50 rubles).
Home Credit Bank has 25,000 employees, branches and ATMs in all regions of the country. Therefore, customer service is always fast and convenient.
Many Russian banks offer their customers debit cards, including Home Credit. It is a kind of wallet for storing an unlimited amount of money. At the same time, the money is in a bank account, and you have full access to it from anywhere in the world. First of all, you should pay attention to the new Cosmos debit card, which accrues interest on the balance and has an excellent cashback, official website homecredit.ru/kosmos.
We decided to review the popular Home Credit Bank debit cards.
Outwardly, you cannot distinguish a debit card from a credit card, since they are all created on the basis of Visa, MasterCard or MIR. Home Credit cares about its customers and constantly develops new, more interesting tariffs for its financial products.
Be sure to pay attention to the Freedom installment card, which is completely free. You can apply for a card on the website. https://www.homecredit.ru/wow/.
Debit cards in rubles
Home Credit offers both ruble debit cards and foreign currency cards. The former are in higher demand among Russians, so we will consider them first. If you are interested not only in keeping your own funds, but also in obtaining loans, pay attention to.
The debit card of Home Credit "Key" bank is created on the basis of MasterCard Unembossed. This prefix means that it is not embossed, that is, there are no embossed inscriptions on it. To use it, you do not need to enter a PIN code, but electronic authorization is required. The card is issued for a period of five years completely free of charge, and you will not have to pay for its maintenance. A fee may be charged for additional services, for example, an SMS package costs 59 rubles. per month.
A new product on the financial services market is the Installment Card. Many debit card holders have switched to installment cards.
You can withdraw up to 50,000 per day, and a cashless transfer or payment for goods and services has a daily limit of 500 thousand. When withdrawing money from ATMs or cash desks of other banks, you will need to pay a commission of 100 rubles.
For the transfer of funds to accounts opened with other banks, which is issued at the office (with the exception of credit money transfers), 1% of the amount is deducted, but not less than 500 rubles.
Installment card Conscience
- Possibility to withdraw cash and pay in any stores
- Renewable limit up to 300,000 rubles
- Installment period of your choice
- To learn more
Issue a card
This debit card from Home Credit is issued on the basis of the MIR system and has a 5-year validity period. The owners of such plastic have the opportunity to withdraw up to 50,000 rubles daily or transfer non-cash transfers in the amount of up to 500 thousand rubles.
A commission of 500 rubles is charged for the issue, and after the expiration of its validity period, you will have to pay a similar amount.
Withdrawing money from other banks is carried out with a commission of 100 rubles. The transfer of money to the accounts of other banks by order at the office, with the exception of the transfer of credit funds, is also carried out with a commission of 1%, but not less than 500 and not more than 2500 rubles.
Transferring money from a card within Home Credit Bank through the Internet bank passes without commissions, and to accounts of other banks - 10 rubles. Activation of the SMS package requires a monthly payment.
Debit belongs to the Platinum class. Issued in rubles for a period of five years. You will not have to pay a penny for service if the account balance exceeds 10,000 every day or when paying for purchases in excess of 5,000. In other cases, you will have to pay 99 rubles per month.
Detailed information about the card on the official website - homecredit.ru/kosmos.
The daily limit for transactions is 500 thousand rubles for cash withdrawals and 1.5 million for non-cash transfers, payment for goods and services. No commission is charged for issuing the first main card, and for an additional one you need to pay 200 rubles.
Cosmos also provides interest on the daily balance:
- 7% per annum with a balance of 10 to 500 thousand rubles;
- 3% per annum if the balance exceeds 500 thousand rubles.
Debit cards Home Credit in foreign currency
If you often travel abroad or buy goods in foreign stores via the Internet, you just need one of the Home Credit Bank debit cards in foreign currency. With this plastic, settlement operations will become safer and more convenient. A card in euros or dollars is issued within 24 hours, and you only need to provide a passport of a Russian citizen.
A pleasant moment is receiving interest on the balance - you can receive income up to 3% per annum from the amount in the account. There are no restrictions on the use of debit cards, that is, you will be able to make any payment and settlement transactions.
You can withdraw cash at any ATM, Home Credit cash desk or other banks. Key benefits include:
- registration at any branch of the bank;
- the possibility of sending an online application;
- Several cards can be linked to one account;
- the transaction limit is 20,000 dollars or euros for withdrawals and 50,000 rubles for settlement transactions;
- when withdrawing funds from ATMs and cash desks of Home Credit, you will not be charged a commission;
- cardholders have access to various free services.
In total, the bank offers four types of currency debit cards.
Installment card Halva
- Accepted everywhere, 80% of applications approved
- Low interest on arrears
- Limit up to 350,000 rubles and free maintenance
- To learn more
Issue a card
Dollar card "Key"
Among the key features of this debit card from Home Credit Bank are the free issue, work with Apple Pay and Samsung Pay services, as well as the absence of commission for cash withdrawals at the bank's cash desks. It is issued on the basis of Visa Classic or MasterCard Standard and has a validity period of two years.
You can withdraw up to $10,000 per day and perform non-cash transactions in the amount of up to $30,000. If you withdraw from ATMs and cash desks of other banks, you will have to pay $3 for each transaction. You will not have to pay for reissue after its expiration date.
Debit card "Key" in euro
This card is also issued free of charge and works with Apple Pay and Samsung Pay services. The validity period of plastic is 2 years, and it is created on the basis of Visa Classic or MasterCard Standard. There is a daily limit of 10,000 euros for cash withdrawals, and 30,000 euros for non-cash transfers. Issuing and reissuing a card is free of charge, and the commission for withdrawing funds at other ATMs and cash desks is 3 euros.
Installment card Freedom
- The card is accepted everywhere
- Installment period - up to 12 months
- All you need is a passport
- To learn more
Issue a card
Visa Gold
Plastic debit card Home Credit based on Visa Gold, issued in US dollars for a period of 2 years. You can withdraw up to $20,000 per day, and cashless payments and transactions are limited to $50,000. The issue and subsequent reissue cost $25, and if you decide to make a second card, it will cost $10.
For the daily balance of funds, you will receive 0.5% per annum, and for withdrawing money from ATMs and cash desks of third-party financial institutions, you will have to pay $ 3 per operation.
master card
This Home Credit debit card is issued on the basis of a plastic MasterCard Gold in euros for a period of two years. You can withdraw no more than 20,000 euros in cash daily or perform non-cash transactions within the limits of 50,000 euros.
For the release of this plastic, you will have to pay 25 euros, and the reissue costs the same. As for the issue/reissue, it will cost 10 euros. For the balance of funds, you will receive 0.2% per annum daily, and the commission for cash withdrawals from ATMs and cash desks of other banks is 3 euros.
Conclusion
Home Credit Bank offers its customers a large number of debit cards issued in rubles, dollars and euros, so among the products offered, everyone will find the best option for themselves. Choose a financial product taking into account the main financial transactions that you plan to carry out with its help, and to clarify any additional details, visit the official website of Home Credit Bank or call the hotline. In our opinion, the most profitable debit card is Cosmos (homecredit.ru/kosmos).
Order an installment card Freedom
Home Credit Bank debit cards are among the most common and in demand on the market. Today, the bank offers customers to issue several types of debit plastics, including:
- basic package card. It is issued in 3 versions - platinum VISA, as well as gold VISA and MasterCard. The first of them allows you to receive up to 7.5% on the balance of funds on the client's personal account, the other two do not provide such an opportunity. All three cards are serviced free of charge;
- "Benefit" card. It is serviced free of charge, provides a cash withdrawal limit of up to 0.5 million rubles. in a day. Interest on the account balance - from 3 to 7.5%;
- key card. The daily limit on cash withdrawal is 50 thousand rubles. Service, as for other similar banking products of Home Credit, is free;
- Home Cash card. Allows you to withdraw up to 0.5 million rubles. in a day. There is no service charge;
- MIR card "Basic package". Plastic of the national payment system, often used to pay for purchases in Russia. Free service and cash withdrawal limit of 50,000 rubles/day.
You can issue any of the specified debit cards. At the same time, it is easiest for lovers of a high level of services to choose a premium segment card. "Basic Package". If you want to withdraw serious amounts in cash, a card is better. "Benefit".
Bank payment cards are an integral part of the life of a modern person. However, few of their holders know their characteristics and terms of service. The article will talk about what debit cards Home Credit Bank offers.
Bank Home Credit: debit cards. Review
As of the beginning of June 2015, the bank offers 2 types: "Key" and "Good News". The first is positioned as an instant card for purchases and payments, the second as a premium card for increasing savings. Both are issued in rubles, US dollars and euros. Their main characteristics are as follows (card in rubles / card in foreign currency):
- Key card:
- Class - MasterCard Unembossed () / Visa Classic or MasterCard Standard.
- No interest is accrued on the account balance.
- Issued for 5 years / 2 years.
- Daily limit for cash withdrawal from the card: 50 thousand rubles / 10 thousand dollars or euros.
- Daily limit for non-cash payments: 500 thousand rubles / 30 thousand dollars or euros.
2. Card "Good news":
- Class - Gold.
- Interest is accrued on the account balance: 10% per annum with a balance of up to 500 thousand rubles, 3% per annum for an amount over 500 thousand rubles / 3% per annum, regardless of the balance on the currency card.
- The card is issued for 3/2 years.
- Daily limit for cash withdrawal from the card: 500 thousand rubles / 20 thousand dollars or euros.
- Daily limit for non-cash payments: 1.5 million rubles / 50 thousand dollars or euros.
Debit card Home Credit Bank: service cost
The bank charges the following fees (card in rubles/card in foreign currency):
- For the issue and maintenance of cards - not charged.
- For cash withdrawals at bank ATMs (there are more than 900 of them in the Russian Federation) - it is not charged.
- For cash withdrawals at ATMs of the United Settlement System (more than 49,000 in the Russian Federation) - 50 rubles / 3 dollars or euros.
- For cash withdrawals at other ATMs - 100 rubles / 3 dollars or euros.
- For the SMS informing service - 59 rubles. per month / 1.5 USD or EUR.
2. Card "Good news":
- For issuing cards - 0 p. / 25 USD or EUR.
- For servicing cards: 0 rub. per month with a balance of over 10 thousand rubles, 59 rubles. per month in case of a balance of less than 10 thousand rubles / not charged for cards in foreign currency.
- For cash withdrawals in bank devices - not charged.
- For cash withdrawals at ATMs of the United Settlement System - 50 rubles. / 3 dollars or euro.
- For cash withdrawals at other ATMs - 100 rubles. / 3 dollars or euro.
- There is no charge for transferring funds to another account in Home Credit Bank using Internet banking.
- For transferring funds to another bank using the Internet bank - 10 rubles / in foreign currency is not carried out.
- For transferring funds to a Visa or MasterCard card of another bank - 100 rubles / in foreign currency, the transfer is not made.
- For the SMS informing service - 59 rubles. per month /1.5 USD or EUR.
How to order a card in Home Credit
In order to pre-order a debit card both in rubles and in foreign currency, a special service is provided on the site. The customer needs to enter their name, mobile phone number, email address and date of birth.
After placing an order, bank employees contact the client to clarify the details and make an appointment at the office. During a visit to the bank, a questionnaire is drawn up for issuing a card, indicating the following customer data:
- surname, name and patronymic;
- passport information;
- Date of Birth;
- residential address;
- password;
- phone number and email address;
- card delivery address.
How to activate a Home Credit debit card
After receiving the card, it must be activated, otherwise any operations will be impossible. To activate it, you should contact the bank employee at the office, or call the phone number specified in the contract.
After the card is activated, you must use a PIN code to carry out transactions. It can be created by the client himself or provided by the bank.
Home Credit Bank: debit card. Benefits for owners
Debit cards of Home Credit Bank, like cards of other banks, are most often used for:
- cash withdrawals;
- non-cash payments in the trade and service network;
- payment for purchases on the Internet;
- storage of funds.
From this point of view, the choice of 2 types of cards ("Key" or "Good News") allows you to choose the one that will best meet the needs of the client. If the card will be mainly used for cash withdrawals (for example, salaries), then it makes sense to choose the “Key” card.
It, like the Good News card, does not provide for a fee for cash withdrawals in automatic bank devices. There is also no monthly service fee. With the Good News card, no fee is charged only if there is a balance of more than 10 thousand rubles.
The situation is similar if the card will be mainly used for settlements or payments on the Internet. If the commissions for these operations are equal, servicing the “Key” card is cheaper if the balance on it does not exceed 10 thousand rubles.
However, the Good News card is more suitable for storing funds. For any account balance up to 500 thousand rubles. enough is charged - 10% per annum. A service charge may not apply. Thus, with a monthly balance of more than 10 thousand rubles. and using bank ATMs, there is an opportunity to avoid paying commissions.
- Negative reviews are most often associated with the unstable operation of bank ATMs, which complicates cash withdrawals. In this case, there is an option to receive funds at the cash desk (a passport is required) or at ATMs of other banks (a commission is charged).
- Also, there is dissatisfaction of customers with the connection of additional paid services when issuing cards. In order to avoid such situations, it is necessary to carefully approach the paperwork, and not agree to the purchase of unnecessary services.
- In addition, there are negative reviews associated with ignorance of bank commissions. In this case, it is necessary to request information about tariffs when issuing a card. Carefully study those items that involve the most frequent operations.
- Positive feedback about servicing Home Credit Bank debit cards, as a rule, relates to the high interest charged on the balance on Good News cards and the absence of commissions for opening cards of both types.
You can order a Home Credit credit card online. To do this, you need to fill out a short questionnaire, indicating your full name, contacts for communication, date of birth and passport data. In case of a positive decision, the client will be called and invited to the office to fill out an extended questionnaire, to familiarize themselves with all the terms of the loan in more detail. The bank makes the final decision in 30-60 minutes, after which you can pick up the card in the same branch where the registration took place.
Credit card
How to order a Home Credit Bank card via the Internet?
A potential borrower must have a computer or any other device with Internet access, as well as a mobile phone. A passport is required, because the questionnaire contains fields with data from this document.
See also: Credit card Home Credit - online application
Citizens of the Russian Federation aged 21 to 64 years old, permanently registered and residing in Russia, can order a Home Credit card via the Internet. The client must be registered in the region where there are branches or points of sale of the bank.
Another requirement for obtaining a bank credit card is the presence of a permanent source of income. The length of service at the last place of work must exceed 3 months.
The process of ordering a Home Credit credit card online
The procedure for ordering a Home Credit Bank card via the Internet begins with the choice of plastic. The credit institution has 2 cards with a limit: Gold Benefit and Platinum Benefit. Select any of them and click on the "Issue a card" button.
Next, a new page will open where you need to specify your full name, email address.
In a new window, you need to complete the questionnaire, indicating the contact phone number, date of birth, series and passport number. If you wish, you can add a link to one of your social networks. If you are not registered in any of them, you need to check the corresponding box in the "I do not use" box, which is located in the lower right corner of the questionnaire. Next, you need to click the "Submit" button and the questionnaire will go for consideration.
The meaning of the preliminary consideration is to identify the borrower, a superficial check for "Black Lists", being in the database of debtors of the FSSP, etc. If the client is “clean”, the application is preliminarily approved and invited to visit any branch of the bank to fill out an extended questionnaire for a credit card.
What happens after the application is submitted for consideration?
As soon as the bank receives the application form for a credit card, it starts a superficial check of the client, makes a request to the passport office, FSSP, etc. A preliminary decision is made very quickly. Literally in 10-15 minutes, the client receives a call or an SMS with a preliminary decision.
If it is positive, the client is invited to the nearest office to receive plastic. On the spot, the borrower repeatedly has to answer the questions of the employee, because he must fill out an extended questionnaire. It consists of more questions (passport data, work, income, length of service, employer's address and position, contacts of relatives and friends, property owned, etc.)
After answering all the questions of the bank employee, the client puts his signature in the questionnaire for the storage and processing of personal data, agrees that all the data in the questionnaire is true. After that, the application goes to the final consideration.
During the final check, the bank checks the borrower's credit history and makes a final decision. Due to the verification through the scoring program, the bank manages to achieve the maximum speed of decision-making, which rarely exceeds several hours.
If the application is approved, the borrower will be called and invited to the office to receive the card. On the spot, he will have to sign the appropriate papers, receive a card and data for entering the Internet bank.
When the main conditions on the card are announced (limit, rate, etc.)
The final tariff plan for the card will be formed by the bank simultaneously with the adoption of the final positive decision. Prior to this, a bank employee may announce the range of the limit, interest rates and other conditions, but the exact data will be known only after approval.
That is, the client will find out the amount of the credit limit and the interest rate directly upon receipt of the plastic. If the loan conditions do not suit the borrower, he can refuse to receive the card at any second before signing the contract.
The maximum lending limit will depend not only on the income of the borrower, but also on expenses. If he often pays a lot with cards in stores, then his limit may be increased. It is clear that the card limit for a borrower with a salary of 60 thousand rubles will be higher than for a client with a salary of 30 thousand rubles.
The interest rate is also set individually. It depends on the borrower's credit history, place of work, length of service and other related factors.
Comparison of Home Credit, Alfa-Bank and Tinkoff credit cards
Consider the main conditions of the most popular credit cards and compare them in the table, choose the best offer.
Conditions | Benefits of Gold Home Credit | Tinkoff Platinum | "100 days without%" Alfa-Bank |
---|---|---|---|
System | VISA Gold | Mastercard Platinum | VISA Classic |
Credit limit | Up to 300 thousand rubles. | Up to 300 thousand rubles. | Up to 300 thousand rubles. |
% for cashing out | 49.9% per year | From 30% to 49.9% per year | 32% per annum |
% for non-cash purchases | From 19.9% per year | From 12.9% per annum | From 23.99% per year |
Grace period duration | 51 days | 55 days | 100 days |
Additional bonuses | Benefit program (from 1% to 3% cashback in points that can be exchanged for rubles at the rate of 1 ruble = 1 point) | Bravo bonuses (1% cashback points for any purchases and up to 30% in special categories). Points can be exchanged for Russian Railways services and products) | No |
SMS-Bank | 59 rubles monthly | 59 rubles monthly | 59 rub. monthly |
Annual maintenance cost | 990 rubles | 590 rubles | 1190 rub. |
Minimum payment for 1 month | 5% of the debt amount + interest + insurance, but not less than 1000 rubles. | From 6% to 8% of the debt amount, determined individually | 5% of the amount owed, but not less than 320 rubles |
Cash withdrawal fees at any ATM | 4.9%, but not less than 399 rubles | 2.9% +290 rubles | ATM withdrawals up to 50 thousand per month - free of charge. Starting from 50 thousand, a commission of 5.9% is charged, but not less than 500 rubles |
If we compare all 3 cards, then the most optimal conditions are offered by Alfa-Bank with plastic “100 days without interest”. Yes, it has the highest cost of annual maintenance and no additional bonuses in the form of points.