"Benefit" card, "Home Credit": conditions, bonuses and reviews

In order to attract customers, many banks use a variety of bonus programs. They allow not only to spend money, but also to receive from each purchase additional bonuses and points. And, of course, you can spend them on purchasing new products or services at a discount. One of such products of the bank is a savings card "Benefits". "Home Credit Bank" offers it to all its customers. What is this credit card? And what are its features?

General information about the bank's bonus program

According to the rules of the loyalty program of the bank, when making various purchases in stores, the client of the organization can receive a certain percentage of compensation. As a rule, it is fixed and depends on the type of banking product. For example, if you are a holder of cards of the category "Gold" or "Standard" ("Successful purchases Gold", "Our Cashback Card", "Cashback Standard Card"), then when using them you will receive a bonus within 1-3% of Amount of purchase. Moreover, the "Good" card ("Home Credit") of the "platinum segment" will provide you with compensation in the range of 1.5-5%.

What does the "Benefit" card look like?

The card connected to the "Benefits" program, as a rule, has a corresponding thematic design. For example, on some of them you can see a kind of horn, a horn or a pipe with graceful handles, refined different patterns and inlaid with precious stones. In this case, some cards have white, and others - a black background.

Who can participate in the program?

Not everyone can participate in this program. According to the terms of the bank, only customers with existing special offers from "Home Credit" can connect to it. At the same time, the package of such proposals will cost from 990 to 5000 rubles per year (depends on the type of the open card).

According to the representatives of the credit organization, this amount includes not only basic card services, but also charging, counting and writing off the points earned by the client during participation in the program. All this gives you the "Benefit" card ("Home Credit").

Nuances of registration, participation in the program

For the first time you can connect to the program only when you enter into a loan agreement, for example, when drawing up a consumer loan or a credit card. Also, the client of the bank, involved in other programs of the financial organization, can express himself the desire and write an application for participation in the loyalty program.

For a regular obsluzhivanie in the system, the bank annually charges a certain fee (in accordance with the current tariffs for cards of different segments). At the same time, if after this period the client does not express a desire to refuse to participate in the program, payment for the next 12 months will be charged automatically. In addition, each client has the full right to refuse the service, but not later than 14 days from the date of connection of the service. That's how the "Benefits" program works. "Home Credit" disconnects from participating in the system for free. But you will not be able to join it again.

What kind of cards can I draw up according to the program?

At the moment, within the framework of the current loyalty program, you can draw up the following cards:

• "Successful purchases of Gold";
• "Successful Platinum purchases."

For example, if your attention was attracted by the "golden" credit card "Benefits" ("Home Credit" with its help offers to pay for goods and services at 34.9% per annum), then you will have a revolving credit limit of up to 300 000 rubles and a grace period of 51 day. The "platinum" card can also be paid on accounts in the range of 29.9% per annum. In case of withdrawal of cash for cards "gold" and "platinum" there is a single interest rate - 49.9% per annum.

How many bonuses can I earn?

In accordance with the rules of the current program of the bank, making any purchases with cards "Benefits" (within the country and abroad), you can earn minimum 1% of one spent amount. And during the whole month the client is allowed to collect not more than 2000 points. All bonuses received over the limit are canceled by default. In the future, the maximum amount of bonuses increases to 7500.

For what purchases can you get points?

A loyalty program called "Benefit" ("Home Credit" gives an opportunity to connect to everyone who wants it) provides for the waste of credit and personal funds from customers' cards to pay for goods and services.

Suppose you are using a Gold card, we will give an example of expenses taking into account received bonuses. So, you can spend about 7,500 rubles for a variety of travel and travel, 4000 rubles to pay for refueling and car washing, 5,000 rubles will cost you hikes in restaurants and cafes, 15,000 will cost shopping in online stores, about 18,500 rubles will take products and Other items of daily consumption. As a result, for a month of such spending you will be able to earn 5180 bonuses, and for a year - 62,160. Note that 1 point equals 1 ruble.

But with similar amounts of expenses, but already with the use of another card, "Benefit" ("Home Credit Bank" raises the percentage of compensation for premium plastic holders), the monthly bonus earnings will amount to 5603, and for the year - 67 236 points.

As you can see, the amount of compensation depends not only on the amount of purchases, but also on the type of loan product you have chosen.

What can I get additional bonuses for?

In addition to the officially established bonuses that can be obtained for purchases in any virtual and stationary stores, including foreign and domestic ones, the participants of the Benefza program (Home Credit Bank launched this service from the spring of 2013) can receive additional points. To do this they can, only having made purchases from partners of the credit organization. As a rule, some of them are indicated at the very end of the page on the official website of the homecredit.ru program.

For more convenience, they are sorted in the following categories:

• Household appliances and electronics.
• Childen's goods.
• Leisure and recreation.
• Other.
• Pet supplies.
• Books.
• Furniture.
• Clothes, shoes, accessories.
• Perfumery and Cosmetics.
• Gifts and hobbies.
• Food.
• Sport and tourism.

Prietom whatever you choose a category, in any case, you are waiting for additional points. "Benefit" ("Home Credit") - a credit card that allows you to compensate for part of the money spent on purchases. For example, for the purchase of goods for children of one firm you will receive plus 7% to bonuses, another company will bring you 5%, and the third - 10%.

In addition, the partners of the bank often conduct additional shares, which, in addition to the additional points from the "Home Credit", also receive a store discount of 10-20%.

Card "Benefits" ("Home Credit"): conditions

The citizens of the Russian Federation aged 21 years and 64 years can apply for the "Benefit" card. They must be working, have a permanent registration in the credit card opening region. Their experience in the last place of work should not be less than three months. Also they are expected to have stationary and mobile phones.

Apply for a card "Benefits" (Home Credit "gives out it in just 10-15 minutes) can be in any branch of the credit institution. Also, all interested persons can use the registration online. However, in this case, you still have to visit the office and specify some details over the phone. From documents for registration of a card you will need only a passport.

What to indicate in the application when registering with the system?

When submitting an online application for a "Benefits" card, you must specify the following points in it:

• FULL NAME;
• Number and year of birth;
• floor;
• E-mail address;
• Mobile phone number;
• Series and passport number;
• Account in the social network (if available).

Then you just have to agree with the rules of processing information and send the completed application form.

Control and convenience of operations on the program

For your convenience, as promises "Home Credit Bank", bonuses on the card "Benefits" can be monitored and controlled using a personal cabinet. To this end, however, it is necessary to first activate the Internet banking service, and then go through a simple registration procedure. Entering your personal account, you can perform the following actions:

• Control information regarding payments made and sent bills;
• Perform money transfers;
• Pay with a card, buying goods from online stores;
• Pay debts on the loan;
• To monitor the timely introduction of a mandatory monthly payment for the loan.

Useful tips for program participants

Among the huge amount of important information concerning the "Benefits" program, we identified several important and interesting points. First, you can get answers to possible questions concerning the search for the nearest office for connection to the bank's program, by calling the hotline 8 (800) 700-10-29. Secondly, the accumulated points need to be exchanged during the year. Otherwise, they will not be transferred to the next period, but simply canceled.

Thirdly, during the grace period and in the absence of debt on the loan, you do not pay interest. If the grace period is long past, and you have not managed to repay the loan, the bank will surely charge you interest, and for the entire interest-free service stage. And, at last, taking part in the loyalty program, the client has the full right to use the bank's credit facilities an unlimited number of times.

Where can I spend the earned bonuses?

To spend the saved up points it is possible by means of a personal office in Internet-banking. To do this, just enter the appropriate login and password, enter, select the "Benefits" tab and pay attention to the list of goods and services that you can use. In this case, you can partially or completely pay off the purchase. In this case, everything will depend on the number of points collected. After using the bonuses, they are written off.

What feedback can you hear about the program?

As "Home Credit" promises, "Benefits" (reviews about this program can be read below) is a special loyalty service that provides a refund and prompts for new purchases. But what do users say about such an attractive program?

For example, some of the participants express their admiration. According to them, paying a card with "Benefit" is very convenient, as money is written off quickly and points are credited with the same speed. Others, on the contrary, share their negative experiences. According to their story, it becomes clear that when trying to pay for goods with accumulated bonuses in one of the partner networks of pharmacies, they had a misunderstanding with the sellers. This is due to the fact that most of them are poorly informed about the work with scores and do not know how to write them off at all.

Still others talk about the inconvenience of controlling bonuses via the Internet bank. According to them, at the same time you can view only the last five payments with the inclusion of the corresponding points. As a result, they had to manually search and transfer all data for better control in a separate Excel file.

The fourth is praised by the hotline operators, with the help of which they managed to resolve controversial situations with the enrollment of bonuses.

In a word, the "Good" card is a universal tool. It allows you to shop at your favorite stores and get extra bonuses and discounts for this. And the accumulated points can again be spent on payment for goods and services. The system is not new, but still relevant and in demand among customers of banks.