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Kosmos debit card from Home Bank

Visa
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3406
15
No-fee cash withdrawals
No-fee cash withdrawals
up to 500,000 RUB
Interest on balance
Interest on balance
up to 5 %
Cost
Cost
0 ₽
Overdraft
Overdraft
no
Cashback
Cashback
up to 5 %
Decision
Decision
From 1 min
Kosmos debit card from Home Bank
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Updated: 14.10.2024

Rates

Payment system
Visa
Card type
Platinum
Card validity period
60 months
Interest rate on the balance of available funds
Less than 10 thousand on balance – 0%. More than 500 thousand RUB – 3%. From 10 thousand to 500 thousand – 5%
Cash withdrawal (conditions)
10% – if the daily card turnover exceeds 600 thousand RUB. 10% if the monthly card turnover exceeds 600 thousand RUB. The first 5 withdrawals are free.
Money transfers
Intrabank transfer – always 0 RUB. For an external online banking transfer – 10 rubles. For other cases 1.0%, but not less than 500 RUB.
Annual debit card maintenance
Daily balance of at least 10 thousand rubles – 0 RUB per month. Monthly turnover of at least 5 thousand rubles – 0 rubles. In other cases 99 RUB per month.
Overdraft
No
Delivery scheme
Bank Branch
Delivery period
Up to 14 working days

Calculator

Credit card calculator
Credit limit
Term / month
Rate
Loan amount
8 000 000
Overpayment
1 000 000
Total payment amount
9 000 000
Loan maturity
15.05.2022
Monthly payments
500 000

Answers to questions

How will I receive the card after the application is approved?

Within 14 days the card will be delivered to the bank branch, an operator of the lending institution will call you.
You can clarify the question about the delivery of the banking product through Russian Post channels.

How does the activation of the banking product take place?

To activate the card, you need to fill out a special form of the "Card Activation" service. Be sure to create a PIN code for the card.

How do I check my card balance?

You can check the account through the app, which needs to be downloaded to your mobile device.
You can also check the account status in online banking.
You can order a statement at the ATM.

I lost my PIN code details, what should I do?

In this case, the PIN code can only be restored by calling 8 (495) 785-82-22, after which a bank employee will redirect you to a special IVR service where you must complete additional card identification.

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Customer reviews

Leave a review
Maxim
Maxim
Guest
Home Bank
Today, this is arguably the best debit card, at least for me. The card offers a high interest rate on the account balance — 7.5%. Cashback is also relatively large compared to other banks. These are not all the reasons why I have been using this card for two years and am not planning to change it yet.
Krasnov Nikolay
Krasnov Nikolay
Guest
Home Bank
Not a bad card, I applied for it online a week ago, and it was delivered by courier in about 5 days. The terms are not bad, although I've deposited 11,000 RUB on it for household expenses so far (I hardly use cash anymore) and if everything is as described, I'll get a decent interest on the balance, though it needs to be constantly topped up. But there will be no problems with that. So far, I am happy with the card.
Maxim
Maxim
Guest
Home Bank
I opened my very first debit card at Home Credit. My mother always bought appliances on credit through this bank, and I got used to the idea that Home Credit has been with us for a long time, so I didn't look for anything else. I like the terms. I would especially note the withdrawal limit—500,000 RUB is a high limit. Free maintenance and a small cashback are a pleasant bonus.
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