For a long time in Russia there was no bank cards in which everything would be good: a debit card, and a free issue and service without conditions, and a bunch of free opportunities, and excellent cashbacks.
In addition, you can get 500 rubles for a card and 10% cashback on all purchases within four months (up to 1000 rubles per month).
This is a debit card Benefit from Home Credit Bank.
Issuance and maintenance of a personalized card is free of charge without any conditions.
To obtain a card, you do not have to contact the bank, just fill out an application on the website and the card will be brought home or to work free of charge.
You can withdraw up to 100,000 rubles a month from the card without commission at ATMs of any banks.
You can transfer money to a card of any bank for free (up to 100,000 rubles per month, but this limit is common with by withdrawing from ATMs), free of charge transfer up to 500,000 per month to any bank through the Fast Payment System (SBP). Sending an interbank transfer for any amount costs 10 rubles.
The card is a free donor (you can collect money from it for free in the services of other banks).
You can replenish the card from a card of any bank (pulling), so that this operation is free, it is important that the card has another bank had a free contraction (this is free from Sber, Tinkov, Otkrytie, Raiffeisen and most others banks). Of course, the card can be replenished through the SBP (it turns on three days after receiving the card). In addition, the card can be instantly replenished in the salons and terminals of MTS (up to 15,000 through the terminal and up to 500,000 through the cashier).
The card has a percentage on the balance, but the conditions are not the best: for purchases from 7,000 rubles per month for a daily balance of up to 300,000 rubles. give 3% per annum, for purchases from 30,000 rubles / month. will be 5% per annum on the balance up to 300,000 rubles. With a turnover of less than 7,000 rubles, there will be no interest on the balance.
Every month, you can choose three categories out of six to get an increased cashback of 5% (up to 3000 rubles cashback per month), for purchases outside these categories they give a cashback of 1% (the cashback amount is not limited). There is cashback even for insurance and taxes, no for housing and communal services and mobile communications. In March, they offer me very good categories:
Now comes the fun part. Now there is a promotion for new customers (they are considered those who have not had Home Credit bank debit cards since 02/14/2020): for paying with a smartphone during the first 90 days, they give a 10% cashback for everything. Monthly limit 1000 rubles. If you manage to spend 10,000 rubles by the end of March, 10,000 in April, 10,000 in May and 10,000 in early June (no more than 90 days from the date of receipt of the card), they will give 4,000 rubles. The card must be issued before 03/31/2021.
Please note that you need to pay with your smartphone (Google Pay, Apple Pay, Samsung Pay). While spending with 10% cashback, it is better not to choose categories, otherwise there will be only 5% for them.
But that's not all. If you issue a card using my link: hcrd.ru/D7Rqru after the first purchase of 500 rubles or more, a gift of 500 rubles will be credited to the account.
The card has a pretty decent mobile app.
By the way, pay attention: I only went to buy groceries a couple of times, but I was already credited with 119 rubles of cashback.
You probably already thought that it cannot be that everything was so perfect and there must be a catch.
There is no catch, but there are minor flaws:
- the main support phone number +74957858222 is paid (9 rubles per minute), but there is a free one, which is not on the site,
but it is written on the card itself: 8 800-7008006;
- the application does not display the amount of cashback for each operation (only total cashback);
- chat support of the application is rather slow.
Finally, a worthy competitor has appeared for Tinkoff Black cards, Opencard Opening and the late Rocketbank.
I can safely recommend the Benefit card to everyone (and not at all because together with you I will receive a bonus when applying for my link ).
© 2021, Alexey Nadezhin
For ten years I have been writing every day about technology, discounts, places of interest and events. Read my blog on the site ammo1.ru, in LJ, Zen, Mirtesen, Telegram .
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You can contact me in Telegram @ ammo1 and by mail [email protected] .