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Platinum credit card from Home Bank
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About the card
Online application for the Home Credit Platinum cashback credit card
The innovative banking product, the Home Credit Platinum card, combines the advanced features of profitable lending: a grace period of up to 51 calendar days, good cashback rewards, as well as free mobile and internet banking to track your expenses online. By activating the "Polza" program for the Home Credit Bank Platinum card, you can earn cashback ranging from 1.5% to 10% on certain categories of goods and services.
How to profitably earn cashback through the Home Credit loyalty program with the Platinum card
The profitable Home Credit Platinum cashback credit card allows all cardholders to participate in expanded loyalty programs. According to the bank's marketing policy, the rules for accruing cashback are as follows:
- When paying for purchases online, promotional terms allow you to receive up to 10% in cashback. The program is assigned individually.
- 1.5% cashback is awarded for all purchases at any store, up to a maximum of 2,000 points per month.
- For the "Gas Stations", "Travel", and "Cafes and Restaurants" categories – 5% cashback with the Home Credit Platinum card, up to a maximum of 3,000 points monthly.
- At the end of the month, points are returned to the credit account as a ruble equivalent, with conversion at a rate of 1 point = 1 RUB.
Additional discounts are available at partner stores, allowing holders of the Home Credit Bank Platinum credit card to receive great discounts on purchases, including:
- Verde Café – 7, 2%.
- SOK – 8.2%.
- MOH – 2.6%.
- Vkus i Tsvet – 8.2%.
- Incanto – 11%.
- Lensmaster – 11%.
- VICHY – 11%.
- M.Video – 3%.
- Citilink – 1.25%.
- Tekhnopark – 6%.
- OLDI – 3, 5%.
- The Body Shop – 11%.
- La Redoute – 8, 5%%.
- TVOE – 7%.
- Lamoda – 6%.
- Korablik – 4%.
- American Tourister – 11%.
- Zarina – 10.5%.
- AliExpress – 7%.
- Samsung – 2.5%.
- myToys – 1%.
- Litres – 31%.
- Booking – 7%/
- Chitai-Gorod – 6%.
- Ingosstrakh – 420 RUB.
- Sportmaster – 5%.
- Puma – 11%.
- Beethoven – 7.5%.
- Gett Taxi – 2.5%.
- Moscvettorg – 14%.
The card features a grace period of 51 days. To correctly calculate the grace period, we recommend activating SMS banking to determine the exact expiration date of the grace period. In addition, the bank provides for the payment of a minimum payment of 5% during the grace period. Furthermore, the minimum payment includes current interest charges and additional payment commissions. The minimum payment amount is at least 1,000 RUB or the entire remaining balance if it is less than 1,000 RUB.
Terms
- Russian citizenship.
- Minimum age is 22 years, maximum is 70 years.
- Registration only in the region where the bank branch is located.
- Availability of contact details – telephone and email.
- Employment history of at least 3 months.
- Income information for the last 3 months.
- Availability of the employer's landline phone number.
For pensioners applying for the Home Credit Bank Platinum credit card, proof of income source from the Pension Fund of Russia is required. Importantly, you must be 70 years old by the time the loan is repaid.
- Age: 22-70 years.
- Citizenship: Russian Federation.
- Registration: permanent or temporary within the territory where the Bank is located.
- Mobile phone: required.
- Email: required.
- Work experience: at least 3 months.
- Employer's phone number: mandatory.
- Passport of a citizen of Russia.
- Any two documents of your choice – international passport, SNILS, INN (tax ID), military ID.
- For pensioners – retirement certificate.
- Certificate of income from the employer.
The bank reserves the right to request additional documents to approve the application.
- Identity document: Russian citizen passport.
- Two additional documents: international passport, SNILS, INN (tax ID), military ID, or retirement certificate.
- A 2-NDFL certificate or a bank-format certificate from your employer confirming your income.
If you want to profitably apply for the Home Credit Bank Platinum Polza card with cashback, our financial services comparison platform invites you to read reviews about the banking product and submit your application properly:
- Review the offer for the Platinum tariff plan with the Polza card.
- Перейдите по ссылке на официальный сайт Хоум Кредит Банка.
- Заполните анкету, укажите свои данные.
- Прикрепите при необходимости сведения о заработной плате за последние 3 месяца или справку из пенсионного фонда.
- Подайте заявку на сайте.
- Дождитесь ответа через 20 минут.
Далее оператор банка связывается с вами и уточняет детали доставки. Первый банковский продукт в ряде городов доставляет курьер. В остальных случаях карточку можно получить только в офисе кредитного учреждения.
По инициативе банка может быть увеличен кредитный лимит до указанной максимальной суммы. Для увеличения суммы кредитования необходимо соблюдать следующие условия:
- В течение всего периода необходимо активно пользоваться банковским продуктом.
- Нельзя допускать просрочек и обязательно вносим платежи.
- Заемщик должен иметь только положительную историю для одобрения повышенного кредитного лимита.
Для удобства отслеживания всех расходов, банк рекомендует подключить за 99 рублей в месяц СМС-информирование. Для карты предусмотрено ежегодное обслуживание в размере 4990 рублей. Льготный период имеет возобновляемый период. Если вы своевременно погасили кредит, начинает действовать новый грейс-период.
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Answers to questions
How long will my application take to process?
You will receive a response from the bank within 20 minutes. In some cases, the bank reserves the right to extend the review of your request by 24 hours.
How will I find out the decision on my application?
You will receive an SMS notification, or a Home Credit Bank representative will call you to explain the next steps regarding the banking product.
How do I get my card?
In most cases, the bank provides courier delivery for your first banking product. You may also be invited to visit a bank branch to pick up your credit card.
What is the procedure for activating the banking product?
Three free methods are available:
1. Call the hotline at +7 (495) 785-82-22.
2. Use "Home Chat" on the bank's website to get detailed instructions.
3. At a bank branch.
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