Only a citizen of the Russian Federation who has permanent registration in one of the regions of Russia can receive the Home Credit Platinum credit card. Individuals with temporary residence in one of the country's regions may also participate in the lending program.

Key borrower requirements:

• Borrower age range from 22 to 70 years.
• Permanent or temporary registration in the region where the bank is located is required.
• The borrower must provide a contact phone number and a work email.
• Work experience at the current place of employment must be at least 3 months.
• At least 1 landline phone for contact is required (a work number is acceptable).
• When submitting an application for the Platinum credit card on the website, you must provide passport details, as well as data from one additional document of your choice: SNILS, INN, military ID, or pension certificate.

For pensioners, there is a special provision when applying for the card: if the applicant does not have a permanent job, they can confirm their solvency with data from the Russian Pension Fund.

In the application form, the applicant specifies the desired credit line parameters. The bank then calculates the lending amount and notifies the borrower via SMS.

We invite you to read reviews of the Home Credit Platinum credit card from borrowers who have used our credit card selection service. Review the bank's offer, and if everything suits you, proceed to apply on the official website.

• Check whether there is a Home Credit Bank branch in your region of residence.
• Review the offer on the credit card selection service and follow the link to the bank's website.
• Fill in the application details and set your desired credit line amount.
• After completing the application, confirm your details and click the 'Submit application' button.
• Wait for a response from a bank operator within 20 minutes.

Once your application is approved, you will receive an SMS with instructions on where and how to receive the card in your region.

If you have become a holder of the Home Credit Platinum credit card, you can check your account status in any of the following ways:

• You can call 8 (495) 785-82-22 at any time.
• By logging into internet banking on the bank's website or through the mobile app.
• You can print an extended statement at a Home Credit ATM.
• Check your transactions with a bank manager.
• Sign up for SMS notifications for RUB 99 per month.

The initial credit limit will only be known after your application is approved and you visit the bank's office.

The credit limit may be increased at the bank's initiative in the following cases:

• You must use the credit card throughout the entire period.
• Do not allow any late payments.
• The borrower must have a positive credit history.

Compliance with these conditions may lead the bank to unilaterally increase the credit line, allowing it to be raised to the maximum possible amount of RUB 300,000.

Please note that under the Home Credit Platinum card program, borrowers have access to the 'Polza' loyalty program, as well as an additional insurance scheme.