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Polza debit card from Home Bank
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About the card
"Polza" is a profitable debit card from Home Bank. The bank offers truly attractive terms for cash withdrawals and money transfers to other banks. Free maintenance and rewarding purchase cashback are also a nice bonus.
Terms
Issuing the primary card, as well as reissuing it due to expiration or at the bank's initiative, is always free. A one-time fee of 500 RUB will be charged for issuing a new card to replace an old one at your initiative.
Issuing one additional card is completely free, but reissuing it, even due to expiration, is subject to a fee. The cost of a new card to replace the old one is 200 RUB.
Card maintenance is always free without any conditions. Additionally, you can subscribe to transaction alerts. The cost of this service is 99 RUB per month. Transaction alerts are free for the first two months of maintenance.
You can top up your card for free without limits at Home Bank's and Sovcombank's own ATMs, as well as MTS Bank's and VTB's ATMs for up to 100,000 RUB per month. Exceeding this limit will incur a fee of 2% of the transaction amount. Free top-ups are also available from cards of other credit institutions via Home Bank services for up to 50,000 RUB per month. Exceeding this limit will incur a fee of 0.49% of the transaction amount, but not less than 49 RUB.
You can withdraw cash for free without limits at Home Bank's and Sovcombank's own ATMs, as well as at devices of other banks for up to 50,000 RUB per month. Exceeding this limit will incur a fee of 1.99% of the transaction amount, but not less than 199 RUB.
Please note that a combined limit applies to cash withdrawals and transfers to clients of other banks without commission. It is 50,000 RUB per month.
You can transfer money for free between your own accounts and to other Home Bank clients. You can transfer funds to clients of other credit institutions without commission by phone number via the Faster Payments System for up to 150,000 RUB per month. Exceeding the limit will incur a fee of 0.49% of the transaction amount, but not more than 1,500 RUB.
You can also transfer money for free to clients of other credit institutions by card number for up to 50,000 RUB per month. Exceeding this limit will incur a fee of 1.99% of the transaction amount, but not less than 199 RUB.
Please note that a combined limit applies to cash withdrawals and transfers to clients of other banks without commission. It is 50,000 RUB per month.
Like other banks, Home Bank rewards its clients for using a debit card and accrues cashback for purchases. Thus, you can receive:
- from 1% to 15% of the spent amount for purchases in selected enhanced cashback categories;
- up to 30% for purchases at Home Bank partner stores.
The maximum cashback amount for purchases in categories, excluding "1% on all purchases" and "Cashback on everything", is 1,000 bonus rubles per month. The total reward does not exceed 3,000 bonus rubles.
Pros:
- free issuance of the main card, as well as its reissuance due to expiration;
- free courier delivery of the card to your home, if you live in a city within the bank's service area;
- free card maintenance without meeting any conditions;
- free use of the mobile app and online banking;
- free card top-up at Home Bank and partner bank ATMs, and via transfers from other banks;
- free cash withdrawals at Home Bank and partner bank ATMs, as well as devices of other banks for up to 50,000 RUB per month;
- free transfers within Home Bank and to clients of other banks by phone number via the Faster Payments System for up to 150,000 RUB per month and by card number for up to 50,000 RUB per month;
- cashback of up to 30% of the purchase amount.
Cons:
- high commission for top-ups and cash withdrawals when limits are exceeded.
How to apply
You can apply for a debit card either at a Home Bank branch or online on the credit institution's official website. In the first case, you will need to visit a bank office with your passport. To apply online, you will need to:
- go to the official Home Credit website;
- click the "Apply Online" button;
- enter your last name, first name, and patronymic, date of birth, and mobile phone number, and check the box;
- click the "Continue" button;
- enter the confirmation code from the SMS message;
- indicate passport details;
- click the "Continue" button;
- enter your registration address and residential address;
- click the "Continue" button;
- specify the receipt method;
- click the "Done" button.
Rates
at third-party bank ATMs for amounts up to 50,000 RUB per month — free of charge;
at third-party bank ATMs in other cases — 1.99%, but not less than 199 RUB
To other Home Bank clients — free;
to clients of other banks by phone number via the Faster Payments System for amounts up to 150,000 RUB per month — free of charge;
To clients of other banks by phone number via the Faster Payments System for amounts starting from 150,000 RUB per month — 0.49%, but not more than 1,500 RUB;
to clients of other banks by card number for amounts up to 50,000 RUB per month — free of charge;
to clients of other banks by card number in other cases — 1.99%, but not less than 199 RUB
Calculator
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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