Debit card Benefit: Income card with increased cashback. Card "Benefit", "Home Credit": conditions, bonuses and reviews Bonus program benefit from home credit

Home Credit Bank has developed a multifunctional and convenient personal account for its customers. In this guide, we will talk about the possibilities of your personal account, you will learn how to enter the personal account of the card on the official website and its functions.

How to enter the personal account of the card

1. Go to the official website of the Polza card using the link polza.homecredit.ru and click "Login" in the upper right corner.

2. In the Login to Use window, enter the phone number to which the card is linked and your date of birth. Then click "Login".

3. Enter the code from the SMS. Click on the “Login” button, and the personal account of the Favor card will open for you. If the code did not come the first time, click "Send code again".

Functionality of the personal account of the card

What can be done in the personal account of the Benefit Home Credit card:

1. and credit to the card account.

2. Familiarize yourself with card partners Benefits and conditions for providing cashback.

3. Find out the number of points, the history of their accumulation and write-off, how many points are expected to be accrued.

5. Find out about the conditions for providing cashback for each partner (Promotion Rules).

6. Review the terms and conditions of debit and credit cards Benefits (Legal Information)

7. Contact a bank employee in Chat.

One of the leaders in the commercial banking industry, Home Credit, presented a card with a cashback of up to 10% and interest on the balance. Is it true? Who benefits from registration, and who does not? Let us consider in detail whether it is necessary to draw up a card and what is needed for this.

Benefit card

Home Credit Bank provides new profitable offers, including the Benefit card. Let's start the review of the map with the positioning of the bank itself - the "map of maximum opportunities". Indeed, this plastic allows the owner to use a convenient payment system and earn. The bank will charge the owner up to 10% of the account balance, 3% of the check in a cafe, restaurant or gas station, 1% of other purchases.

Form of "Benefit"

To get a card, you need. There you select the type of card - Gold or Platinum, then fill in the required data, including:

1. surname, name, patronymic in full;
2. Date of Birth;
3. mobile phone;
4. series and number of the passport;
5. E-mail address;
6. social network account (optional).

Previously, only regular customers of the bank could use the program, today everyone has the opportunity. You can issue a debit or credit card (a similar opportunity is provided for). In the latter case, additional data, such as a social network account or income statements, will increase the limit provided. After filling out the application, a bank employee will call the client, clarify personal information and tell about further actions.

Primary data processing takes no more than 30 minutes. The operator will tell you about the preliminary decision on credit plastic or inform you about the place and time of receiving the debit "purse". We will talk about the terms of service of each type further.

Debit Card Terms of Service

After, you can pick up the finished card at an office convenient for you. Branches can be viewed on the bank's website.

How much money is refunded for purchases with a debit card Benefits:

The maximum monthly accrual is no more than 2,000 rubles for the purchase of all goods and no more than 3,000 rubles. at the expense of gas stations, restaurants. Additionally, annual interest will be charged, it depends on the amount of the balance on the card. If the amount is less than 300 thousand rubles, and more than 5 purchases are made, then the charges are 7%. If purchases are less than 5, then 5%. If the amount of the balance is more than 300 thousand rubles, then the accumulation for the excess amount is 3%.

The release of plastic is free, a one-time amount for annual maintenance is not charged. A debit card may have additional costs, which are presented in the form of a table:

For customers receiving wages on the card (over 20,000), preferential conditions apply, no commission is charged for cash withdrawals from ATMs of other banks or for transfers to another bank account.

Credit cards

A credit card differs from a debit accumulator in that in this case, the bank provides you with funds that will then need to be paid back. When filling out the questionnaire, you must select the type of card: Gold or Platinum. It depends on the percentage of cashback that you will receive. Let's represent it in the form of the following table:

The contract specifies the terms and conditions of the return. The Benefit Card from Home Credit is considered one of the most advantageous lending offers. To apply, you must complete an online application. On the day of application, a final decision is made on confirming the loan and the amount. The borrower has several requirements:

1. must be a citizen or resident of the Russian Federation;
2. age in the range of 21 - 64 years;
3. the client must have a residence permit or permanent registration in the city where there is a branch of Home Credit Bank;
4. continuous experience at the last place of work must be at least 3 months;
5. you need to provide a landline or mobile phone number.

This is a list of mandatory requirements, the following factors can increase the credit limit:

• stable salary (you can provide a certificate of income 2-NDFL or in the form of a bank);
• positive credit history (including in other banks);
• the absence of unpaid traffic police fines, court debts.

During a visit to the office of the company, you must have a passport and 2 documents with you, it can be:

• SNILS;
• International passport;
• Driver's license.

Copies of documents are sent to the operator for verification, after which the final decision will come. It takes no more than 40 minutes to accept. After the loan is approved, the borrower receives an instant issue card. The approved amount will already be on it, in a week it will be necessary to contact the same bank branch to pick up a nominal payment.

Credit card terms and rates

The card is in many ways more profitable than its competitors. However, there is one important condition: the Benefit program is connected to the credit card. For this, the bank takes 990 rubles. with the gold type of plastic and 4990 with platinum. Other terms of service are shown in the table:

Criterion	Gold	Platinum
Limit	Up to 300,000 rubles.	Up to 300,000 rubles.
Interest rate	33.9% per annum (49.9% if using cash)	29.9% (49.9% if using cash)
Interest free period	51 days	51 days
Minimum monthly payment	7% of credit debt, but not less than 1000 rubles.	5% of the loan debt, but not less than 1000 rubles.
Daily cash withdrawal limit at ATM	10000 rub. for cards with 44609805 and 30 thousand rubles in the number. for other cards	10000 rub. for cards with 44609805 and 50 thousand rubles in the number. for other cards
Daily cash withdrawal limit at the cash desk		30000 rub. for cards that start with 44609805 and 100 thousand rubles. for other cards
Interest on cash withdrawal		4.9% of the amount of funds, but not less than 399 rubles
SMS notifications	59 rub.	59 rub.
Second and subsequent reissue of the card	200 rub.	200 rub.

In the future, the borrower can return funds to the card in a convenient way:

• Through ATMs or the cash desk of Home Credit Bank.
• Through any other bank, by contacting the operator.
• In the branches of the Russian Post. Such a transfer can take 10-12 days.
• Through the electronic payment systems Rapida, Eleksnet, Contact and others.
• Interbank transfer from card to card by account/card number. In the first case, the transfer will last 3-4 business days, in the second case, the transfer will occur almost instantly.

The advantages of a credit card from Home Credit are the ability to replenish with your own funds, that is, you can use it like a debit card, if necessary, spend bank funds and return it in an interest-free period.

Whichever card you choose, the Benefit program will allow you to receive significant bonuses. Let's talk about them in more detail.

What is "Benefit"

This is a loyalty program that allows members to return part of the money spent. At the same time, unlike other banks, Home Credit accrues cashback even for ordinary, household bills, including payment for housing services, mobile communications, payment of fines and taxes. Bonuses are not subject to:

• Money transfers;
• cashing out;
• purchase of lottery tickets, securities;
• casino accounts.

The remaining bonuses are divided into three types:

1. Basic - are charged for all purchases in retail outlets;
2. Special - points for paying bills at trade and service enterprises (gas stations, restaurants and cafes, from the "travel" section);
3. Promotional - this is a cashback, the conditions for receiving which are always changing, it charges for online purchases from partners bank, as well as for checks that fall under the current shares of the bank.

Let's calculate the benefit

Before issuing a Benefit card, you can where there is a benefit calculator. Enter the approximate amounts that you spend on purchases, after which the system will calculate the bonuses. One bonus is equal to 1 ruble.

Let's calculate the cashback for the Gold card with specific spending conditions. Monthly expenses - 30,000 rubles, of which 5,000 rubles. for gasoline, 5000 rubles. for online purchases, 4000 rubles. to pay bills in restaurants and 16,000 rubles. for daily expenses, grocery shopping. In this scenario, the monthly return will be 930 rubles, the amount will reach 11,160 rubles per year. With a Platinum card, the same expenses will bring 1,190 rubles a month. and 14280 rubles. in year.

Points are accumulated on a separate account, which can be managed using a personal account or a mobile application. The average time of receipt is 5-15 days from the date of purchase, the maximum period for accruing points is 45 days.

Partners

It is profitable to make online purchases from bank partners, for them you can get up to 30% cashback. In your personal account there are personal offers that will be constantly updated. The minimum rates that partner stores have are stable, the most profitable ones are presented in the table:

Also note that it is from 3.5% of the amount spent. There is only one exception, only the Clothing and Footwear categories participate in the program. However, there are often additional promotions that increase the profit for purchases in the largest online market.

Use of bonuses

1 point corresponds to 1 ruble. After receiving a card with the Favor loyalty program, the client also receives a bonus account, where cashbacks will come. Management takes place through a personal account in which you need to log in. The entrance is carried out through the company's website from a personal computer or mobile phone.

Points can be used to instantly recharge your mobile account or refund purchases. It turns out that a significant difference between the Home Credit program is that you do not pay for new purchases with points, but return money for old ones.

In your personal account, find the list of transactions, select the one you need, indicate the amount you want to return and confirm the operation. You can get a refund of part of the funds or the full cost of the goods (if there are enough points). You can also get money back for paying utility bills. The average interest payment time is 2 weeks.

Bonus spending is unavailable in three cases:

1. The client has already sent a request to write off points and is waiting for a response;
2. For this operation, the goods were returned, the payment was canceled;
3. The client is checked for illegal actions, fraud within the framework of the bonus program.

For one request, the client can convert no more than 100,000 points into rubles. Bonuses with an early validity period are spent first, it is 12 months. Points not redeemed during this period will expire and cannot be recovered.

What you need to know

The scheme for receiving bonuses is clear: make purchases, get points, which you then convert into rubles. In order to make the mechanism even more transparent, let's pay attention to some nuances:

1. The term for accruing points may differ depending on their type, conditions of the promotion.
2. Neither type of points applies to the purchase of gems, bonds and other securities, lottery tickets and traveler's checks.
3. If the bank suspects the client of abusing the loyalty program, an audit may begin. The bonus account will be frozen until the circumstances are clarified, after which it will either be canceled or restored.
4. If the bank accrued cashback, but the purchase was canceled, the amount is reset to zero. If it has already been spent, then the account acquires a negative balance, points will be deducted during subsequent accruals.
5. The Bank also reserves the right to write off points that were credited by mistake. With insufficient funds, the balance will go negative.
6. If the client terminates the agreement, then the crediting of points stops from the moment it is signed by both parties. Bonuses accrued before that can be used during the year.

Using a personal account

Members of the "Benefit" program need a personal account to manage bonuses, as well as to receive personal offers. It displays not only the conditions for cashback at partner stores, but also individual rates.

To authorize in your personal account, you will need the mobile phone number to which the bank card is linked. Here you will see the entire history of purchases, accrual and deduction of bonuses. The expiration date of the points is also displayed, the system informs that some of the bonuses will soon expire. Note that you can only convert points from your personal account, there is no such function in the mobile application yet.

Question answer

Many questions arise already in the process of using the card, we will try to answer the most popular ones.

Made a purchase and still haven't earned points?

This is normal, bonuses do not come immediately. In some cases, the return period can be up to 45 days. Pay attention to the conditions of the promotions given by the site. Also in your personal account you can see the term for crediting bonuses from partners. If after 45 days the points have not arrived, contact the bank through the "Feedback" or call the hotline.

How to check your balance, find out the history of operations?

The bonus account statement can be viewed in your personal account via the Internet bank, by phone or in person at the company branch.

Can I use points to pay off a loan?

It is impossible to pay a loan payment directly with bonuses, however, points can be converted into rubles by returning money for other purchases. You can dispose of them as you wish. Please also note that bonuses cannot be exchanged for points from other bonus programs.

Where to create a personal account, why is it needed?

Users of the Benefit program need a personal account to manage points, exchange them, track receipts and write-offs. This is where personal offers will appear. You can connect your personal account at the company's office or by calling the contact center number.

If you forget the login combination, you will have to contact the office again with the documents, since only you know the password. There you will be given a new one-time code, which you will change after the first login.

Expert opinion

The Benefit card is a profitable offer for everyone. There are no restrictions on minimum spending, card maintenance is no more than 99 rubles. per month, that is, 1200 rubles. in year. Active users will save a similar amount per month. It is especially beneficial to pay with a card when buying air and railway tickets, paying for services at gas stations and goods in online stores.

Since there are limits on the number of monthly bonuses, we recommend that you first pay for large purchases that fall under special and promotional categories of bonuses.

There are several main advantages of the program compared to its competitors:

• bonuses are awarded for payment of utility bills, taxes and a fine (this is a rarity among similar offers);
• favorable rates for basic and special offers;
• the presence of partner stores where you can receive a significant amount of return;
• points are converted into rubles at the rate of 1 to 1;
• The received money can be disposed of without restrictions.

In order to attract customers, many banks use a variety of bonus programs. They allow not only to spend money, but also to receive additional bonuses and points from each purchase. And, of course, you can use them to purchase new goods or services at a discount. One of the bank's similar products is the Polza accumulative card. "Home Credit Bank" offers it to all its customers. What is this credit card? And what are its features?

General information about the bank's bonus program

According to the rules of the bank, when making various purchases in stores, the client of the organization can receive a certain percentage of compensation. As a rule, it is fixed and depends on the type of banking product. For example, if you are an owner of cards of the “gold” or “standard” category (“Successful Purchases Gold”, “Our Cashback Card”, “Cashback Standard Card”), then when you use them, you will receive a bonus within 1-3% of purchase amounts. Moreover, the card "Benefit" ("Home Credit") of the "platinum segment" will provide you with compensation in the range of 1.5-5%.

What does a card with "Benefit" look like?

A map connected to the Benefit program, as a rule, has an appropriate thematic design. For example, on some of them you can see a kind of mouthpiece, horn or pipe with graceful handles, refined with various patterns and inlaid with precious stones. At the same time, some cards have a white background, while others have a black background.

Who can take part in the program?

Not everyone can participate in this program. According to the terms of the bank, only clients with available special offers from Home Credit can connect to it. At the same time, the execution of a package of such offers will cost from 990 to 5,000 rubles per year (depending on the type of open card).

According to representatives of the credit institution, this amount includes not only the basic maintenance of the card, but also the accrual, calculation and debiting of points earned by the client during participation in the program. All this is given to you by the "Benefit" ("Home Credit") card.

Nuances of registration, participation in the program

You can join the program for the first time only upon signing a loan agreement, for example, when applying for a consumer loan or a credit card. Also involved in other programs of a financial organization, he can express his desire and write an application for participation in the loyalty program.

For regular maintenance in the system, the bank annually charges a certain fee (in accordance with the current tariffs for cards of different segments). At the same time, if after the expiration of this period the client does not express a desire to refuse to participate in the program, payment for the next 12 months will be charged automatically. In addition, each client has the full right to refuse the service, but no later than 14 days from the day the service was activated. This is how Benefit works. "Home Credit" disconnects from participation in the system for free. But it will no longer be possible to join it again.

What cards can be issued under the program?

Currently, the following cards can be issued within the framework of the current loyalty program:

• "Successful purchases of Gold";
• "Successful purchases of Platinum".

For example, if your attention was attracted by the "golden" credit card "Benefit" ("Home Credit" with its help offers to pay for goods and services at 34.9% per annum), then you will find a renewable credit limit of up to 300,000 rubles and a grace period of 51 day. With a platinum card, you can also pay bills within 29.9% per annum. In the case of cash withdrawals for "gold" and "platinum" cards, there is a single interest rate - 49.9% per annum.

How many bonuses can you earn?

In accordance with the rules of the current program of the bank, making any purchases with "Benefit" cards (within the country and abroad), you can earn a minimum of 1% of one amount spent. Moreover, during the whole month, the client is allowed to collect no more than 2000 points. All bonuses received over the limit are canceled by default. In the future, the maximum amount of bonuses increases to 7500.

What purchases can earn points?

The loyalty program called "Benefit" ("Home Credit" gives everyone the opportunity to connect to it) provides for spending credit and personal funds from customer cards to pay for goods and services.

Suppose you use a Gold card, let's give an example of expenses, taking into account the received bonuses. So, you can spend about 7,500 rubles on various tours and trips, pay 4,000 rubles for refueling and washing a car, 5,000 rubles will cost you going to restaurants and cafes, 15,000 will cost you shopping in online stores, about 18,500 rubles will be taken by products and other items of daily consumption. As a result, for a month of such expenses, you will be able to earn 5180 bonuses, and for a year - 62,160. At the same time, keep in mind that 1 point is equal to 1 ruble.

But with similar amounts of expenses, but already when using another “Benefit” card (“Home Credit Bank” increases the percentage of compensation for holders of premium plastic), the amount of monthly bonus earnings will be 5603, and for the year - 67 236 points.

As you can see, the amount of compensation depends not only on the amount of purchases, but also on the type of loan product you have chosen.

What can you get additional bonuses for?

In addition to the officially established bonuses that can be received for making purchases in any virtual and stationary stores, including foreign and domestic ones, members of the Benefit program (Home Credit Bank launched this service in the spring of 2013) can receive additional points. They can do this only by making purchases from partners of a credit institution. As a rule, some of them are listed at the very end of the page on the official website of the homecredit.ru program.

For your convenience, they are all sorted into the following categories:

• Household appliances and electronics.
• Children's products.
• Leisure and rest.
• Other.
• Pet supplies.
• Books.
• Furniture.
• Clothes, shoes, accessories.
• Perfumes and cosmetics.
• Gifts and hobbies.
• Food.
• Sports and tourism.

Moreover, no matter which category you choose, in any case, additional points await you. "Benefit" ("Home Credit") - a credit card that allows you to compensate for part of the funds spent on purchases. For example, for the purchase of goods for children of one company, you will receive plus 7% to bonuses, another company will bring you 5%, and the third - 10%.

In addition, the bank's partners themselves often hold additional promotions that allow, in addition to additional points from Home Credit, to receive a store discount of 10-20%.

Card "Benefit" ("Home Credit"): conditions

Citizens of the Russian Federation aged 21 to 64 can apply for a Benefit card. They must be working, have a permanent registration in the region where the credit card was opened. Their work experience at the last place of work should not be less than three months. They are also expected to have fixed and mobile phones.

You can apply for a Benefit card ("Home Credit" issues it in just 10-15 minutes) at any branch of a credit institution. Also, everyone can register online. However, in this case, you still have to visit the office and clarify some details by phone. Of the documents for issuing a card, you only need a passport.

What to indicate in the application when registering in the system?

When submitting an online application for a Benefit card, you must specify the following points in it:

• FULL NAME;
• date and year of birth;
• E-mail address;
• cell phone number;
• series and number of the passport;
• social media account (if available)

Control and convenience of performing operations according to the program

A relatively new offer developed by Home Credit Bank is the Benefit card. This is a credit card serviced by the Visa system and issued in Gold and Platinum status.

Rates and terms of repayment on the card

Credit card Benefit Home Credit Bank offers a renewable limit of up to 300 thousand rubles. To receive the product, only the presence of a passport is sufficient. It is allowed to pay out the used funds without accruing interest, if this is done within 51 days.

Card bets

If the debt period is exceeded, very significant rates are charged:

• Gold: 34.9%;
• Platinum: 29.9%.

If money is spent not on paying for purchases, but on cash withdrawals, the rate is charged at a rate of 49.9%.

Limit on cards and loan repayment

In addition to the rates, in the Home Credit Card Benefit, the conditions regarding the minimum repayment amount put forward the following:

• 1000 rubles - the minimum required for payment per month. If the debt is less than this limit, you need to repay it in full.
• 5% of the borrowed part and the entire amount of interest, if any have been accrued. If penalties for non-payment have been applied, they also need to be repaid in the first place.

Thus, the loan amount itself can be repaid in installments, while commissions and penalties take precedence. When crediting the payment, the amount is distributed precisely according to such parameters: first, for the accrued interest and penalties, and if they are exceeded, for the payment of the main part.

Card maintenance cost

The cost of the card is:

• Gold: 990 rubles per year;
• Platinum: 2990 rubles.

Features of a credit card Benefit - accrual of bonuses

The benefits that the Benefit from Home Credit card is endowed with are the accrual of points for paying with it in online stores and in online services for the provision of services.

Scoring by category

Points are awarded in a certain amount according to the categories:

• Up to 1-2% when making transactions on the Internet;
• Up to 3-5% for payment in the categories Restaurants, Cafes, gas stations, Travel.
• Up to 30% for payment in the online store on the Home Credit website in the Shopping section.

Features of points on the Platinum card

On a Platinum category card, the number of points is awarded in a larger amount than on Gold. In addition, Platinum provides some privileges, as it confirms the status of its owner. First of all, they are provided directly by the Visa company and are expressed in the ability to use discounts and certain offers from companies in many countries: hotels, restaurants, salons, shops, etc. Platinum credit cards also allow the owner to receive benefits at airports where they can wait for departure in VIP lounges, book tickets, etc.

Transfer points to a card

Having accumulated points on the Benefit card, in Home Credit, you should get access to the Personal Account. Here it is enough to visit the "Benefit" section, enter the amount of bonuses and click "Return". Points are converted into rubles and are credited in the equivalent of 1:1 to the account. This is a kind of cashback. A client who spends about 50,000 rubles per month, taking into account spending them in the specified online resources, can return up to 5,000 rubles in the form of points.

In the office, it is possible to pay current expenses: for housing and communal services, mobile communications, the Internet from the Benefit card. By connecting the Mobile Bank to it, you can control all your actions and expenses, as well as perform a number of operations. The use of remote management services (mobile and Internet banking) is free.

Advantages and disadvantages of the card

Studying the reviews about the Benefit card, you can notice certain contradictions.

Minuses

Of the shortcomings, the following are most often noted:

• Conflicting information located on the site and provided by employees, incl. via hotline.
• Inconvenient to read and understand account statement.
• In fact, the interest-free period is a month, not 50 days.
• It is not possible to issue a Benefit card if there is a Home Credit card with cashback.
• Failures occur in the Personal Account, information is displayed incorrectly.
• Cashback is unattractive (very low interest rates).

pros

But the Benefit Home Credit card also has some advantages, user reviews indicate the following:

• The ability to receive a refund due to their costs.
• It is convenient to replenish a mobile phone using cashback.
• Points in some categories can be accumulated quite well.
• It is convenient to use the product.

conclusions

As you can see, there are enough contradictions, and therefore, making a decision regarding the issuance of a card. The benefits of Home Credit are after carefully weighing the pros and cons. The convenience is that you can get points for absolutely any purchases made using the Favor card, and the return results in a fairly decent amount. The interface for using the map is very simple and will be understandable to a user of any level.

Economist. Experience in leadership positions in the manufacturing industry. Date of: July 21, 2018. Reading time 7 min.

Owners of debit cards and plastic marked "Benefit" can become a member of the "Benefit" loyalty program from Home Credit Bank and receive bonuses for purchases. We will figure out how to earn extra points and spend them usefully.

The Polza loyalty program is aimed at stimulating debit transactions using Home Credit Bank cards, as well as maintaining customer loyalty in cases where other rewards are cancelled.

Within the framework of the program, participants are awarded for purchases made with the use of plastic, promotional points that are accumulated on a bonus account.

The accumulated points in the future, the client has the right to exchange for rubles, which are credited automatically to the bank account to which the card is linked.

In fact, when you connect the “Benefit” Home Credit program, any debit or credit card automatically becomes a tool for receiving cashback. Moreover, unlike previous versions, the return is carried out with “real money”, which the client can spend at his discretion.

Who can take part in the program

Owners of the following can become members of the bonus program:

• debit, Other Rules, CoinKeeper, Favor, Fair;
• credit cards Lucky shopping, Cashback Standard, Fair, "iGlobe.ru - Home Credit", Other Rules, Installment plan, etc.;
• debit cards of HCF Bank Light LLC, including salary cards, for employees and non-residents.

Terms of the bonus program

As part of the bonus program for purchases, the following are credited:

• Standard cashback 1-1.5% for any non-cash expenses, including utility bills, mobile phone, fines, taxes, insurance.
• Additional points of 3-5% for purchases in certain categories (cafes and restaurants, gas stations, tourism and travel).
• Increased bonuses from 10% for the purchase of goods in partner stores.
• Promotional points under the terms of time-limited promotions.

Note! Bonuses are not awarded for card withdrawals, transfers, transfers to electronic wallets, purchase of lottery tickets, payment for casino transactions, etc.

Table 1. Conditions for accrual of basic and additional points

banking product	base points		Points for purchases in individual categories
	%		%		Max quantity per month
Credit cards
Successful purchases Gold, Cashback Standard, Our Cashback card, "iGlobe.ru - Home Credit", Our card "iGlobe.ru - Home Credit", Our card, Our Gold card, Other rules	1%	2 000	3%	3 000
Happy Shopping, Our Benefit Card	1%		4%
Fair	1%	2 000*
Successful purchases Platinum (issued before 06/14/2016 incl.), Cashback Gold, Our Platinum card	2%	2 000	5%	7 500
Successful purchases of Platinum (issued from 06/15/2016 incl.)	1,5%		5%
Debit cards
Space, Other Rules, CoinKeeper, Benefits	1%	2 000	3%	3 000
Fair	1 %	2 000 *

*The maximum number of points is calculated in total for both categories.

The maximum threshold does not apply to the accrual of promotional points.

For debit card holders, the service is provided free of charge.

If it is provided in the tariffs, then a commission is charged from the client for connecting to the credit card program for every 12 months.

The difference between "Benefits" and "Benefits-light"

Members of the "Benefit" program can earn points in any category, including basic and increased bonuses.

The “Benefit” Light option provides for the accrual of only cashback for purchases in partner stores of the bank.

Reference! The light version is connected free of charge and automatically when issuing debit ruble cards.

How to connect the "Benefit" program to the card

The method of connecting a bonus promotion depends on the type of plastic:

1. According to the service agreements for debit cards Light, the cashback program is activated automatically.
2. To connect the "Benefits" to credit cards or debit plastic, the client must indicate his desire at the time of the conclusion of the contract when registering a banking instrument.

Note! If the card is ordered through the official website of the bank, you must immediately clarify the possibility of connecting the loyalty program.

Connection is carried out on the basis of an additional signature of a separate written application.

The Bank may, on its own initiative, offer valid customers to connect the bonus program during the period when other incentive options are disabled. The client is notified by sending a message to the phone number indicated in the documents.

In addition, registration is provided for when reissuing.

You can disable the accrual of bonus points for promotions held by the bank by issuing a corresponding application at the branch. Before making a decision, the client has the right to use the collected bonuses. If another instrument is connected during the year, unused points become available to the client.

Important! After disabling the program, reconnection is not provided.

Making cards with "Benefit" through the site

The refund rate in some stores is up to 20%. There is also a cashback in the form of a fixed amount.

The client can get acquainted with the full list of promotions and individual offers only after registering in his personal account.

Important! Among the promotional offers there are both online stores and offline outlets.

Bonus points

Points are credited to the client's bonus account on the next day after confirmation of the operation, which can be received by the bank within 45 calendar days after the actual payment for goods/services.

If the allowed limit is exceeded, the accrual of bonuses is not made and is not transferred to the next month. In the new reporting period, accrual starts on the first day of the month, regardless of the amount of points on the account.

Reference! The accrual is made for each ruble spent by the client to pay for goods or services.

How to convert points into money

You can transfer the savings on the bonus account into rubles if the balance exceeds 100 active points.

With the Yarmarka card, bonuses can be spent no earlier than 3 months after payment and if you have 1,000 points.

Bonuses can:

• pay for mobile communications;
• transfer in rubles to the main bank account linked to the card from which purchases were made.

Reference! When exchanging 1 point is equal to 1 ruble.

You can transfer from 100 to 10,000 rubles at a time. To do this, you must leave a request in your account, indicating the amount. Conversion of bonuses into rubles is carried out by the bank within 10 working days.

Active bonuses not used during the year will be cancelled.

Advantages and disadvantages of the program

Despite the fact that the loyalty program is aimed at stimulating spending transactions, it has its advantages and disadvantages. The advantages include:

• The ability to receive cashback for regular customers.
• Interesting promotions with increased returns.
• Withdrawal of points into "live money".
• A transparent scheme for accruing, withdrawing and converting bonuses.

Significant disadvantages are:

• The need to connect the program additionally at the conclusion of the contract.
• Payment for participation by credit card holders.
• The requirement to pay for goods in partner stores exclusively with cards with "Benefit".

Details about the benefits of a credit card with "Benefit" in the video:

Offers of competitors

Many banks offer cashback cards to customers. But practically none of them has bonus programs that would apply to the entire line of banking products. Nevertheless, it is worth dwelling on the most interesting offers of competitors.

Table 2. Bank cards with cashback

. Education: Higher economics, specialization - management in the industrial sector (Kramatorsk Institute of Economics and Humanities).
July 21, 2018 .

Bank	Map	Cashback	Cashback limit, rub.
VTB 24		1–10%

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