I went yesterday to map event "Halva" in banki.ru office. They told about a new loyalty program card for pensioners and payment services without commission.
Portal Banki.ru recognized card "Halva" best credit card Russia in 2018. "Halva" has already received four million people. This card is advertised as installment card, but it is much more interesting to me as a debit, because in it you can get keshbek 6% in many popular stores.
Let me remind you quite tricky conditions. Keshbek 6% yield for purchases in partner stores (Pyaterochka, Perekrestok, Karusel, Billa, OBI, Hoff, Metro, Citylink, Onlayntreyd, Yulmart, Technopark, M. Video, Eldorado, Detsky Mir, Ile de Beauté, Chocolate, Burger King, Megafon, Beeline, MTS, Tele2, Lukoil, Tatneft, oil pipelines, 36.6, Samson-Pharma and many other).
To get keshbek, have to pay their own, rather than credit, means, use contactless payment smart phone to make purchases of at least 5 per month for a total of not less than 10 000 rubles. Also, you need at least three times a month to go to the mobile app that the card was free (otherwise write off 99 rubles per SMS service). For purchases in stores that are not partners, give keshbek 1%.
The new loyalty program "Bonus 5 to 10", which will start as soon as possible with a mobile application upgrade will allow besides the usual keshbeka receive large keshbek for a single purchase. The program works as follows: every month in basic conditions (5 purchases from 10 thousand rubles) increased by one level of loyalty (in fact, a special interest keshbeka). Initially, it is zero.
For those who have a contribution or loan of Sovcombank, monthly rate increases by two units.
Thus, if one input and five months in a row to satisfy the condition "5 purchases 10,000" special percentage grows to 10%. After 15 months, he grows to a maximum of 30%. At any time, this percentage can be used for one purchase at a partner, after which the level is reset and starts to grow again. There are two conditions: firstly to obtain a large cashback for all time, yet growing level of need 30 make purchases in installments (for credit means), and each must be no less than 100 rubles.
Second overall keshbek per month can not be more than 5000 rubles. This means that if you "grow" keshbek to 30% and buy something expensive, keshbek not be more than 5000 rubles (but rather less, because for other purchases, too, is charged keshbek).
Difficult? Yes, just do not tell.
I add more, if in any month 10,000 "gain" failed, the level is set to zero, he simply This month is not growing, it is important only to make at least one purchase (if you do not, the level of decreases).
Fortunately, now there is "salvation," by which the necessary 10,000 dial easier. Payment of any services (including utilities and mobile) from the application (but not on third-party services) shall be counted in the sum of purchases (but keshbek of these payments is not charged). All payments are now without a commission.
Another innovation - "Halva" for pensioners. She has two differences - to comply with the conditions for obtaining keshbeka enough spending from 5000 rubles per month instead of 10,000. Keshbek 6% yield and contactless payment cards, not just a phone.
For over a year I use the card "Halva", as one of the major payment card. During this time I got on it 14,721 rubles keshbeka. Given that this is the money received "from the air" without any difficulty and effort, I think it's quite good.
As always, I give a link, making it possible to get 1000 rubles for the first purchase of 1000 rubles in the first 10 days of using the card: https://halvacard.ru/if/1875418985. I also get a bonus.
© 2019 Alex Nadozhin
The main theme of my blog - Equipment for human life. I write reviews, share experiences, talk about all sorts of interesting things. My second project - lamptest.ru. I test LED lamps and help figure out which ones are good and which are not.