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Credit Europe BankSovcombank "Halva" installment card
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About the card
Overview of the Sovcombank Halva Cashback Installment Card
Today, cashback on the Sovcombank Halva card is one of the innovative banking products in high demand among Russians. The main condition for the Sovcombank Halva cashback card is the ability to participate in the installment program, which is up to 18 calendar months. Currently, over 188,000 partner stores across Russia are connected to the partnership program. When making purchases in the "Favorite" category, the cashback on the Halva card at gas stations is up to 6%. In addition, if you top up the card account with your own funds, you are guaranteed to earn interest on your card account balance of up to 7% per annum, with the interest calculated monthly.
Cashback terms for the Sovcombank Halva card
The "6% Cashback" loyalty program is one of the most attractive on the Russian financial market. The main terms of the Sovcombank Halva card cashback include:
- Always pay for your favorite purchases with the card and get bonus rubles credited to your card account.
- Joining all loyalty programs is completely free.
- Annual maintenance of the card will be just 0 RUB.
- If you pay for purchases using a smartphone (Google Pay, Apple Pay, or Samsung Pay is required), the cashback percentage is always 6%.
- When paying with the physical card — cashback is always 2%.
- For all other cases, cashback is always 1%.
- Points will be awarded under only one condition: you must make a turnover of at least 10000 RUB, and the minimum number of transactions must be 5.
- Conversion of earned points follows the standard scheme of 1 point = 1 RUB.
- In a single reporting period, the maximum available number of points cannot exceed 5000.
- Bonuses can be spent on the exact same product purchases as those you make in the "Favorite" category.
Earning interest on the Halva card balance is an additional loyalty program. The conditions for earning interest on the balance are as follows:
- Make transactions across 5 operations with a turnover of at least 10000 RUB.
- If you did not make any purchases and there was no card activity, the interest rate on the existing balance will be 5.55%.
- If you opened a deposit via the card for an amount up to 1.5 million RUB, you will receive a bonus interest rate on the balance of 1%.
Terms
When cashback is credited to the Sovcombank Halva card, the reporting period generally starts on the 26th day of the previous month and ends on the 25th day of the current month. This day is when bonuses for the previous reporting period are guaranteed to be credited. According to user reviews of the Sovcombank Halva card in 2019, the credit institution fully fulfills its card terms and offers a new option: a one-time 35% super-cashback.
Key borrower requirements:
- Russian citizenship and a passport are mandatory.
- Age from 20 to 75 years. For a limit of up to 0.10 RUB, the borrower's age is from 18 to 90 years.
- Having a mobile phone is mandatory.
- Having an email address is optional.
- You must have permanent registration in the region where the bank is located, or within a 70 km radius of the main branch office in the specified cities of Russia.
- Age: 20–75 years.
- Citizenship: Russian Federation.
- Registration: permanent or temporary within the territory where the Bank is located.
- Mobile phone: required.
- E-mail: recommended.
- Identity document: Russian citizen passport.
Please note that to apply for the Halva installment card with cashback from Sovcombank, you must reside in the specified cities listed here. A residence radius of up to 70 km from the office is allowed, and up to 120 km for certain regions.
- Review the available offer and go to the official website of the Sovcombank Halva card by clicking the "Apply for Card" button.
- Select your region from the list and fill out the application form.
- Be sure to provide a contact phone number and email address.
- It takes up to 5 minutes to make a decision.
- Information about approval will be available via SMS notification.
- The card will be delivered to you by a courier, or you will be invited to visit a bank branch in your region of residence.
To stay up to date on upcoming payments, we recommend activating the free SMS notification service for transactions and payments. The bank may increase the credit limit only 3 months after card activation, provided that the borrower actively uses the banking product, makes transactions, and makes the required payments to the card account on time.
The minimum loan amount is 3,000 RUB. The first time, you may be approved for a credit line of no more than 30,000–50,000 RUB. Subsequently, the credit line may be increased up to 350,000 RUB. In addition, by topping up the card account and opening an additional deposit, you can earn interest on the balance, provided you make at least 5 transactions for a total amount of at least 10,000 RUB. The maximum amount of own funds is up to 1.5 million RUB.
Additionally, the borrower can issue a virtual Halva card, which has the same options as a physical credit card.
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Answers to questions
How long does it take for my application to be reviewed?
The bank will review your request within 5–6 minutes. In some cases, due to technical reasons, the review period may be extended up to 5 working days.
How will I know the application result?
You will receive an SMS notification or a bank operator will call you.
My card has been approved, how do I get it now?
There are two ways:
First – a courier will deliver the card to you.
Second – you will be invited to visit a bank branch.
Как мне активировать карточку?
Nothing needs to be done, you receive a fully activated banking product.
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