Online application for the MIR debit card from Home Credit Bank

Among the abundance of banking products in Russia, the simplest and most accessible for pensioners is the MIR debit card from Home Credit Bank. Free maintenance (0 RUB), profitable and transparent payment schemes (fixed price of 10 RUB per transaction). The only drawback is that you have to pay 500 RUB to issue the card. An additional privilege of the card is receiving discounts from bank partners; the biggest discount today is at Litres, where you can get up to a 21% price reduction on goods.

The MIR card from Home Credit Bank features a fee-free cash withdrawal limit of 50,000 RUB per day, as well as daily non-cash transactions of up to 500,000 RUB.

Information on the MIR tariff plan of Home Credit Bank

Today, the MIR debit card from Home Credit Bank is a universal banking product with nothing superfluous and clear terms of use for the tariff plan, even for pensioners. Based on reviews of the Home Credit Bank MIR card, the credit institution does not charge commissions for the following transfers:

• Receiving any funds at any Home Credit Bank ATM.
• Depositing any amount of funds at the cash desks of the credit institution.
• Depositing funds via the credit institution's ATMs.
• Depositing funds via bank terminals installed in public places.
• Transferring any funds within the operations of a single banking organization.
• Card blocking operation.
• Bank product unblocking operation.
• Issuance of one unpersonalized bank card.
• Issuance of a new PIN code to replace a lost one.
• First reissuance of a bank product at the initiative of the credit institution's client.
• Receiving regular transaction notifications via email.
• Provision of paper reporting documents at the credit institution's offices.
• Connection to online banking.
• Use of options and services of the connected online banking.

Fees for the following transactions apply in other cases:

• One-time card issuance fee is 500 RUB.
• A fee of 500 RUB is charged for card reissuance upon expiration.
• Cash withdrawals at ATMs belonging to other banks (not Home Credit Bank) incur a fee of 100 RUB per transaction, with a withdrawal limit of 50,000 RUB per day. Withdrawals at Home Credit Bank ATMs are free of charge. Withdrawals outside the Russian Federation are not available.
• No commission is charged for cash withdrawals at Home Credit Bank ATMs up to 600,000 RUB per month or per day. In other cases, the fee is 10% of the amount.
• For money transfers to another bank, excluding credit obligations, the fee is 1% of the amount, but not less than 500 RUB and not more than 2,500 RUB.
• Online banking for internal transfers within the credit institution is 0 RUB, other operations cost 10 RUB per transaction.
• Transfers using information services to VISA, MIR, and Mastercard cards of other issuing banks cost 1% of the amount, but not less than 100 RUB.
• Using the Visa information service costs 0.8%, with a minimum of 33 RUB; using the Mastercard information service costs 25 RUB or 0.8%; using the MIR information service costs 0.8%, with a minimum of 45 RUB.
• No transfer fee is charged for amounts up to 300,000 RUB.
• SMS alerts cost no more than 59 RUB per month.

In addition, cardholders can receive discounts of up to 21% from the bank's partners.

1. Rosa Khutor – 9.5%.
2. AliExpress – 5.2%.
3. Incanto – 9,3%.
4. M.Video – 1%.
5. Lamoda – 9%.
6. Korablik – 3.8%.
7. OBI – 7,0%.
8. Mothercare – 11%/
9. Litres – 21%.
10. TEZ Tour – 7,2%.
11. Gorzdrav Pharmacies – 5.2%.
12. 36.6 Pharmacies – 6.8%.
13. Sportmaster – 6%.

The full list of partner companies can be found on the official website of Home Credit Bank. Please note that the minimum discount value is indicated; the maximum amount is determined independently by the partner store.