Home Credit Polza Gold credit card — a profitable card with up to 3% cashback

Russian banks never cease to delight clients with profitable products. Various cards are in high demand on the financial market, among which are ATB "Stavka 19", UBRD with the "120 days without interest" card, and "Leto" plastic from Tinkoff Bank. Home Credit is not lagging behind either, which is why it presented the "Polza" loyalty program to the Russian market. Its essence is that every holder of a financial product gets benefits from purchases. If you look at reviews for the Home Credit Polza Gold credit card, they confirm: the name of the plastic fully justifies itself.

Home Credit Polza Gold credit card: terms

To understand whether you should order the Polza credit card from Home Credit Bank or not, read the lending terms.

• Credit limit

It does not exceed 300,000 RUB. It is calculated individually for each applicant based on the provided information. Persons with high incomes and a good credit history can count on the maximum amount.

• Interest rate

It ranges from 29.4% to 49.9% per annum. The minimum percentage is charged for purchases up to 29,999 RUB. As soon as this indicator crosses the 300,000 RUB mark, the interest rate will rise from 29.4% to 29.9%. Upon receiving cash, it will increase again and amount to 49.9% per annum.

• Zero period

The Polza program offers an interest-free period of up to 51 days. During this time, interest on overdraft loans obtained to pay for goods or services using a payment instrument within the billing period is not charged. This is only possible if the borrower fully repays the debts accumulated on the last day of the billing period no later than the grace period expiration date.

Please note! The duration of the interest-free period is not 51 days, but UP TO 51 days. It depends on the date of the card transaction. If you make a purchase on the last day of the billing period, the grace period will be only 20 days. To take advantage of the maximum interest-free period, make transactions on the first day of the billing period.

• Cashback

The Home Credit Polza Gold credit card offers cashback of up to 3%. The maximum percentage is provided for dining in cafes and restaurants, gas station services, and travel. For all other categories, the baseline accrual is 1%. In this case, 1 point equals 1 Russian ruble.

A cashback limit is set at 2,000 for baseline accruals and 3,000 in the "Cafes and Restaurants", "Gas Stations", and "Travel" categories.

Please note! Additional points may be awarded as part of a promotion at the discretion of the financial institution.

• Annual maintenance cost

The first year of using the program is free. Thereafter, a fee of 990 RUB is charged once a year.

• Cash withdrawal fee

Regardless of which ATM you use to withdraw cash, the bank charges a fee of 4.9%, but not less than 399 RUB.

• Plastic card reissuance

If this is the first reissuance at the cardholder's initiative or upon expiration, it is free. Subsequent reissuances of the credit card at the client's request will cost 200 RUB.