We have prepared for you a detailed review of the Cosmos debit card from Home Credit Bank. Marketers are promoting it with the slogan “The card that can do everything!” Indeed, it has quite a wide range of functionality and is very beneficial for clients. The official website of the Cosmos card is homecredit.ru/kosmos. Be sure to review it before deciding on product design.
Do not confuse “Cosmos” with an installment card. They have different names, because “Installment” makes it possible to purchase goods by paying their cost in installments, and a debit card is designed for convenient storage and use of your own funds.
Let's figure out why the terms of the Cosmos card from Home Credit Bank are so attractive and discuss user reviews online. In addition to this card, you should pay attention to the new product -.
Favorable conditions for users
The Cosmos card is a debit card, not a credit card, so it can only be issued using a passport. This is a platinum product that works in the Visa payment system, and it can be issued in different ways, which we will discuss later.
Bonus points are awarded for all purchases made using the Cosmos card from Home Credit. They accumulate in a separate account, after which they can be spent on new purchases or exchanged for real money. Every month the holder receives up to 7% per annum on the balance.
The card is issued free of charge in Russian rubles, and you will not have to pay for its maintenance during the first year. Starting from the second year, the cost of monthly service is 99 rubles. If the daily balance exceeds RUB 10,000. or per month you will make purchases with the card in the amount of 5,000 rubles or more, you will not have to pay for plastic maintenance.
Installment card Conscience
- Possibility of cash withdrawal and payment in any stores
- Renewable limit up to 300,000 rubles
- Installment period at your discretion
- To learn more
Apply for a card
You can top up your account in different ways, using ATMs or cash desks of Home Credit, as well as other banks, transferring funds from any card or using a bank transfer.
As for cash withdrawals, this can be done at Home Credit ATMs without a fee or at ATMs of third-party banks. In the second case, according to the terms of the “Cosmos” card tariff from Home Credit, the first five withdrawals per month are commission-free, and starting from the sixth, you will have to pay 100 rubles for each such operation.
Depending on your daily balance, you will be charged interest:
- the account holds from 10 to 500 thousand - 7% per annum;
- more than 500 thousand – 3%.
The second and all subsequent re-releases of Cosmos at the initiative of the owner cost 200 rubles. For transferring funds to accounts of other banks, the commission is 1% of the amount, but a minimum of 100 rubles. If you want to connect an SMS package, you will have to pay 59 rubles for it. per month. If you are interested in generating income from your own funds, pay additional attention to.
Card partners
Owners of the Home Credit Bank “Cosmos” debit card get access to a bonus program called “Benefit”, with which you can receive points for purchases, payments for services and other expense transactions. A separate bonus account will be credited up to 20% of the purchase amount, and sometimes more (depending on the store).
The full list of partners is presented on the official website homecredit.ru/kosmos.
For purchases at some stores, points are given as a percentage, while others give a fixed number of points, regardless of the cost of the purchase. Bonuses are also given for payments made through online banking: payment of taxes, housing and communal services, fines, etc. Points are credited within approximately 3-5 days from the date of purchase, but sometimes you have to wait longer - up to 45-50 days.
Home Credit Bank has many partners, including the largest online stores and retail chains, namely:
- AliExpress;
- re:Store;
- BashMag;
- YvesRocher;
- L'Occitane;
- Lamoda;
- M Video;
- Technosila and many others.
You can exchange the collected points for rubles at a rate of 1 to 1. Conversion occurs within 10 days from the date of submitting a request via online banking.
Owners of Cosmos cards also have access to special privileges from the Visa payment system. For example, the Visa Art Weekend promotion is periodically held, giving the opportunity to attend various events in the field of art. The card also makes available discounts from various Visa partners, including restaurants, hotels, spas, shops, beauty salons and much more.
Pros and cons of "Cosmos"
The Cosmos debit card from Home Credit has a number of advantages, but it is not without several disadvantages. We recommend that you find out and take all this into account before applying for plastic.
Advantages
- Issued completely free of charge.
- The cost of monthly service is 99 rubles, but it becomes equal to 0 if the balance is maintained over 10 thousand or you make purchases worth more than 5 thousand every month.
- Since January 25, 2018, “Cosmos” will be credited 7% per annum on the balance, if the account contains from 10 to 500 thousand. If the amount exceeds this maximum, 3% per annum will be charged.
- The card is easy to replenish and there are different ways: ATMs and Home Credit cash desks, interbank transfers.
- Five times a month you can withdraw money for free from any cash registers and ATMs, and with Home Credit you will never have to pay a commission.
- Interbank transfers cost only 10 rubles. for each, but there is one caveat. If the money was received by bank transfer and did not remain in the account for 30 days, the commission for amounts over 300 thousand will be 20%.
- The SMS service is half free. This means that after each operation you will receive a message in any case, but if you connect to a paid service for 59 rubles. per month you receive a full-fledged mobile SMS service.
Flaws
- It is currently not possible to top up the Cosmos card either at the terminals of other banks or in communication shops. This flaw will probably be corrected over time.
- Possibility of blocking for cash withdrawal. Tariffs provide for so-called barrier commissions against cashing out and transit. But if you do not violate Federal Law 115 “On Combating Money Laundering and the Financing of Terrorism,” you have nothing to fear.
Halva installment card
- Accepted everywhere, 80% of applications are approved
- Low interest on late payments
- Limit up to 350,000 rubles and free service
- To learn more
Apply for a card
How to apply for a card?
A debit card from Home Credit "Cosmos" is issued to clients who provide only one document - a passport. This is not a credit card, so there are no strict requirements for citizens. Almost every adult citizen of Russia can receive it.
The most convenient way to apply for a plastic card is via the Internet by filling out an online application on the bank’s website homecredit.ru/kosmos.
You will need registration in the Russian Federation, and the region in which you live is not important, unlike credit cards. You can be registered in a locality without Home Credit offices - this is not a problem.
When submitting an online application for a Cosmos card from Home Credit, you will need to provide your full name, phone number, email and date of birth, as well as confirm your consent to the processing of personal information. An employee of the financial institution will contact you as soon as possible to confirm your application.
After a short conversation and clarification of the conditions, a specialist will review your application, and you will receive an SMS message on your phone indicating the approximate production time for the card. This usually takes about a week. The finished card will be delivered to the branch you choose, and all you have to do is come and receive it.
Once received, you must activate it. This can be done immediately at the branch by contacting the manager. You can also call the call center and receive a unique code. The operator will identify you by asking a few questions, and then the auto-informer will provide a four-digit combination. Write them down or remember them, and then call the hotline again and select activation.
The debit solution from Home Credit has found wide application among payroll clients of public and private companies. The Cosmos card from Home Credit operates with both Russian and foreign currencies, which significantly expands the scope of application of this powerful payment element. The possibility of free issue and maintenance, the presence of customizable additional functionality, a bonus system and other advantages will be a good reason to switch to a new debit card.
In this material, we will look at the features of the banking solution, conditions for registration and issuance, interest rates for payment transactions, interaction with personal and user accounts, and real customer reviews based on long-term use.
“Cosmos” is one of the most affordable tariff plans for salary clients of public and private organizations. The popular foreign Visa and Master Card are used as payment systems, and the solution itself is available in Gold and Platinum statuses. In the near future, an analogue is expected to be released on the domestic payment system “Mir”, which is actively distributed among public sector employees and pensioners.
Home Credit Bank gained its popularity among Russian residents due to the availability of unique loan offers. The bank's analytical center studied customer needs and used them to develop a debit solution, which is also gaining popularity.
Simple registration conditions, the presence of additional bonus offers, full integration with a virtual user control panel and a large number of bank branches and ATMs throughout Russia make Cosmos relevant for everyday use.
Basic conditions and tariffs for the Cosmos card
The terms of the card are very attractive for both new and regular customers of Home Credit Bank. You will not need to collect a large number of documents, income certificates and other reports. To obtain and subsequently issue a card, you will only need to provide a Russian Federation resident passport with permanent registration in the bank’s service area. Bank branches and ATMs are located in most cities of Russia; the full list can be found in the corresponding section on the bank’s official website.
In addition to performing the main function - accrual, storage and settlement transactions, the debit solution from a popular bank boasts the presence of extended additional functionality. One of the most notable bonuses is the accrual of 7.5% per annum on the daily balance. The minimum balance for calculation is 10,000 rubles, the maximum is 300,000. Funds are credited once a month, the calculated number depends on the date of conclusion of the contract. This offer has been refined many times and occupies a leading position among competitors’ analogues, which charge funds primarily for the smallest monthly balance.
Cashback is a popular phenomenon today that came to Russia from foreign analogues. The function implies a refund of part of the funds for the purchase of certain goods and services.
Home Credit Bank is a commercial organization, which facilitates the execution of many additional agreements with partner companies to attract new clients and increase profits.
The basic interest rate for cashback is 1% for the classic solution, 3% for Platinum status. If you often pay for goods and services using a plastic card, it would be logical to initially purchase a high-end solution, which will allow you to save more. Goods and services of partner companies from the category of service, tourism and flight services can be returned to the account up to 30% of their cost. It is noteworthy that the money is returned in the form of bonus points, which must be independently converted into monetary units in the user control panel. Access to the virtual service is included in the basic service package. For comfortable work you will need a stable Internet connection. Here you can not only convert bonus points into real currency, but also transfer them to the account of another plastic card. There are also limitations here:
- monthly limit for the Gold class – 2000 bonuses;
- The monthly limit for the Platinum class is 3000 bonuses.
Points are not awarded immediately, but on the next business day, which should be taken into account when working with the system. Detailed conditions for working with cashback and a list of partner companies are freely available and available on the bank’s official website. Partners often carry out various promotions using a system of discounts. Subscribe to the official newsletter to stay up to date with the latest events of Home Credit Bank and get the maximum benefit from using the bank's services.
Free issuance and further maintenance also remain key elements in this salary offer. If everything is clear with the release, the advertising slogan of “free service” does not entirely correspond to reality. To obtain this privilege, certain conditions must be met:
- the current balance must be at least 10,000 every day;
- you must spend more than 5,000 rubles for each reporting month.
One of the above conditions must be met, otherwise you will have to pay an additional 99 rubles for each month of use.
"Cosmos" Home Credit is a choice for everyday use and storage of funds with their subsequent accumulation. The well-thought-out bonus program is one of the most competitive salary analogues on the market from popular public and private banks.
Home Credit card "Cosmos": conditions
There are mandatory conditions for using a salary plastic card regarding cashing out and transferring funds:
- the maximum available amount for daily cash withdrawal at an ATM or bank branch is 500 thousand rubles, to exceed it you will need to write a corresponding application at the nearest office serving individuals;
- Using third-party ATMs to withdraw money or make other payments will result in a 1% commission being written off;
- the maximum payment amount is 500 thousand rubles;
- Exceeding the monthly withdrawal of funds by 300 thousand rubles leads to the accrual of a commission of 20%, an amount over 600 thousand rubles is accompanied by a 10% commission. The commission percentage is not debited if the money was credited to the card later than 30 days;
- for transferring money to another bank account, 10 rubles will be debited.
The user has the right to reissue a card with a unique design by providing his own image or selecting a ready-made sketch from the bank’s collection. Each debit and crediting of funds contributes to the sending of an SMS message with the corresponding text. To track your current balance, you will need to sign up for a separate subscription costing 59 rubles.
A pleasant bonus will be the opportunity to withdraw funds from an ATM 5 times a month without interest. In this case, you can use both Home Credit Bank ATMs and competitors.
"Cosmos" card from Home Credit: stores, partners, benefits
The cashback and bonus system makes it urgent to study the list of available partners, the benefit of which is savings and the possibility of accumulating funds. Refunds of 1-3% are made on regular purchases, depending on the status of the salary project.
Affiliate organizations with cashback amounts of up to 30% are located in the following categories:
- cafes and restaurants;
- trips;
- transport and other services.
A complete list of companies is provided on the official website of the commercial bank. Thanks to the intuitive interface, you can quickly search for the necessary information and find out about current promotions and bonus offers.
Who can get the card?
Any salaried employee of a public or private organization can receive a debit card. It is mandatory to have a passport of a citizen of the Russian Federation with permanent residence in Russia. Credit history is not taken into account when issuing.
It is important that your organization supports the use of Visa and Master Card payment systems. As a result of the development of the domestic Mir system, government agencies are forcibly switching to servicing such bank cards. Please check this issue with your employer in advance.
The process of obtaining a Cosmos card from Home Credit Bank
Both new and existing bank clients can take advantage of the modern salary offer. If you have not previously used Home Credit services, you will have to contact the retail service center of the nearest bank branch. Provide your passport and fill out the required form, after which your application for card issue will be approved. You can pre-notify the operator of your intentions to issue a card with a unique design. The layout can be provided by the client in the form of a graphic image, or selected from the bank’s own collection. This service is paid.
The process of obtaining a plastic solution will not be difficult; it is important not to forget about the need for further activation.
How to activate Space?
The debit solution can be activated by the operator of the servicing bank or in the corresponding section of the user control panel. To find out how to activate a payment solution, you must first complete the registration process and further authorization in your personal account.
Access to your personal account is provided free of charge in accordance with the terms of the basic service package. The login for entering is the contract number indicated in the official copy.
The password is randomly generated and sent via SMS. Correctly fill out the form provided, after which you will be redirected to the main page of your personal client account. Here you can not only perform activation, but also:
- find out the current balance of funds;
- order a detailed statement of expenses and enrollment indicating the time period;
- separately configure the functioning of each banking offer, if it has such a capability;
- transfer funds from one card to another;
- find out up-to-date information about the current loan and the terms for its interest-free repayment;
- manage a bonus system with the ability to convert them into real currency;
- gain access to the payment panel, where in just a few clicks you can pay for housing and communal services, top up your mobile phone balance and purchase other goods and services from partner companies.
The virtual solution does not stand still and is actively developing.
Debit card "Cosmos" Home Credit: reviews
Having familiarized yourself with the Home Credit “Cosmos” debit card offer, what it is and the terms of its use, you should move on to studying user reviews. The banking offer has been on the market for a long time, which has contributed to the creation of many relevant reviews that reveal both the positive and negative aspects of using the popular service from Home Credit Bank.
Users note the following benefits:
- fast and free release of a plastic solution from high-quality material using the latest developments in the field of safety. A special chip reliably protects against third-party reading of information and data theft;
- favorable percentage of savings on the daily balance, the minimum threshold of which is 10,000 Russian rubles. Full crediting of money is made once a month during a specified period, depending on the date of registration and issuance of the banking decision;
- cashback system with a unique accrual of bonus points that can be converted into real currency. The high percentage is one of the most competitive offers on the market;
- the possibility of free service subject to specific conditions and low interest rates when withdrawing funds from ATMs and money transfers make using the services of Home Credit Bank profitable;
- The expanded functionality of your personal account allows you to remotely manage several banking solutions with the ability to make quick remote payments.
Card "Cosmos" from Home Credit reviews
Despite the predominant number of positive user reviews, there were some clear identified shortcomings in the operation of the modern salary offer:
- limited possibilities for independently replenishing a plastic card with a large interest commission when using ATMs of third-party banks;
- the statement about guaranteed “free service” is not true and requires mandatory compliance with additional conditions;
- the tariff plan is constantly being revised, which means it is possible to change it with a subsequent deterioration of the tariff plan;
- It is difficult to contact specialists by phone; the call is made to a city phone number, and the line itself is often busy. This problem is compensated by the presence of alternative means of communication with the operator in the form of the official website and billing panel;
- if you want to pay for goods and services abroad, it is better to issue an appropriate offer, since currency conversion in Cosmos is carried out at an unfavorable rate.
The disadvantages of the payment solution are insignificant and are offset by the positive aspects. "Cosmos" stands out among analogues from third-party banking organizations and can become a full-fledged replacement for your current payment solution. There is an official program for switching to a new banking solution, which allows you to transfer money interest-free. Detailed information can be obtained in the corresponding section on the project website.
We bring to your attention a review of the “Cosmos” card of Home Credit Bank, promoted to people with the slogan “The card that can do everything!”, thereby immodestly hinting that you can refuse cards from other banks, because this product has everything you need for yourself experienced holder. It has cosmic capabilities and benefits, and the client himself will have cosmic benefits from owning it. In general, as they say on the official banking card website, open up your space. This is what we will do in our detailed review, describing its advantages and disadvantages, and analyzing customer reviews.
Update: The card is currently not available. Pay attention to the new card, which inherited all the good things from the culprit of this review.
Cosmos Bank Home Credit Card
Interest on balance (max.):
Cashback - refund (max.):
Annual maintenance:
A free-of-charge card with one of the best bonus programs (Benefit) and a high interest rate on the account balance. The bank offers quite acceptable conditions to make card servicing completely free. PRODUCT OVERVIEW
- *The card is free for the first year (if issued before 12/07/2017), from the 2nd year it is conditionally free
Card service
Issue fee
For free
Annual maintenance
1st year of service: 0 rub. (if issued before 12/07/2017); from the 2nd year: no fee is charged for daily balances of RUB 10,000 or more. / purchase amount from RUB 5,000. per month, otherwise 99 rubles. per month
Validity
Card type (payment system and status)
Account currency
Conversion
Technological features
3D Secure technology;
chip;
PayWave contactless payment technology
SMS notification
59 rub. monthly (you receive free SMS messages about account movements)
Delivery
no, you can receive it at the bank office, it is possible to receive an instant non-personalized card while a personalized one is being produced
Additional services
Issue of an additional card - 200 rubles.
Additional Information
Commission for the second and subsequent reissues of the card at the client’s initiative is 200 rubles. (first reissue without commission(!))
Cash withdrawal
500 thousand rubles. in a day
Cash withdrawal from ATMs/bank cash desks
0 rub. / 0 rub.
Cash withdrawals from ATMs/cash desks of other banks
100 rub. / 100 rub.
Additional Information
0 rub. for the first 5 transactions per month withdrawals from other people's ATMs/cash desks
Transfer in Internet banking
To an account in another bank
To a card of another bank (by card number) - pushing out
1% (min. 100 rub.)
Replenishment in Internet bank
From a card of another bank (Card2Card) - withdrawal
For free
Interest rate on account balance
7% per annum on balance RUB 10,000-500,000,
3% per annum for amounts exceeding RUB 500,000.
Loyalty programs
Program "Benefit"; Bonuses and special offers from the Visa payment system
Cashback (refund)
1% of the amount of any purchase (max. 2000 per month); 3% of the amount in certain categories: gas stations, travel, cafes and restaurants; up to 10% for online shopping in partner stores
Holder requirements
Documentation
according to your passport
Free issue and 1st year of service;
The card is shareware;
5 free withdrawals per month from ATMs and cash desks of any bank with no limit on the amount withdrawn;
High interest on account balance;
Beneficial loyalty program;
Cheap interbank transfers to IB;
Accrual of cashback for paying fines, taxes, utility bills, etc. from the Internet bank;
Shareware SMS notifications;
The first free reissue at the client's initiative;
The card is a free donor (the ability to withdraw funds with other cards from the Internet banks of other banks).
When depositing a large amount, the money must remain in the account, otherwise the bank will withhold a security commission
More details
Map "Space". Main advantages and disadvantages
What advantages immediately catch your eye:
1. 6% accrual on account balance. Such a significant percentage can be obtained with an account balance of 10 thousand to 500 thousand rubles. We will consider below how much will be charged to the balance outside this range. Important nuance: The money in the account is insured!
2. Card service is free for the first year(if registered before December 7, 2017 inclusive). The issue is also free, and from the second year (and after 12/07/2017) they will not charge you for servicing if you meet not particularly stressful conditions: within a month you must maintain a daily account balance of at least 10,000 rubles. or make payments by card in the amount of more than 5,000 rubles. Otherwise, you will have to pay the bank 99 rubles for each month.
3. Re-issue at the initiative of the holder for the first time free of charge, starting from the second time 200 rubles. It is possible to issue an additional card (200 rubles per issue).
4. Free withdrawals AT ATMs of ANY BANKS around the world 5 TIMES A MONTH(a commission of 100 rubles will be charged more than 5 times). You can always withdraw from your ATMs for free (within the daily limit)
5. Available from a card account in Internet banking interbank transfer(to accounts in other banks) with a nominal commission 10 rubles for each operation.
6. Decent bonus program “Benefit”, according to which you will be returned for each purchase cashback in the form of bonus points (up to 10%), and they can then be converted into rubles in a 1:1 ratio. So much is returned only for online purchases in partner stores (online shopping) during relevant promotions. Without any hassles, you will receive a 3% cashback for purchases at TSPs (trade and service enterprises) in popular categories (gas stations, travel, cafes and restaurants) and 1% for all other purchases (including utilities, taxes, fines and etc.).
7. This premium card(Visa Platinum) with corresponding privileges from the Visa payment system with support for PayWave contactless payment technology.
8. Shareware SMS notification. If you don’t pay for the service, the bank will inform you after each transaction, only you won’t see the amount of the current balance in SMS (a full-fledged service costs 59 rubles per month).
There were also some visible shortcomings:
1. Inconvenience of replenishment: if we talk about the methods of replenishment offered by the bank without commission, then there are not many of them: cash desks and ATMs with the cash-in function. For a card that claims to replace other cards in the buyer’s wallet, the lack of a free option in the Internet bank to top up an account from a card of another bank (card2card transfer) does not look very convincing. But fortunately, there are opportunities to top up your card for free in other ways, using third-party services and banks, which we will discuss in the review.
2. The bank introduces protective commissions (up to 10% of the amount) for withdrawals and transfers of funds over a certain amount (see below), if the money previously deposited into the account did not “stay” longer than the time specified in the tariffs (anti-transit restrictions). If you operate with sums with more than five zeros, then you need to be more careful.
Otherwise, the card shows itself very well, which we will talk about in a little more detail. By the way, if you come across the word Hamster in the text, then you shouldn’t be surprised, it’s just the name of Home Credit Bank on the so-called.
Interest on balance
Home Credit Bank (HCB) on the Cosmos card accrues interest for each day and pays it, crediting it to the current account, on the last day of the Billing Period (the RP for Khomyak lasts 1 month, and can begin on the 5th, 15th or 25th - depends on the day of registration cards).
When accrued, HKB does not notify by SMS message, check account transactions in Internet Banking (IB). Interest is not accrued for the calendar day on which the account balance was below 10 thousand rubles. The advertised 6% will be credited when the account balance is from 10 thousand to 500 thousand rubles. If the amount on your card exceeds 500 thousand rubles. (for example, you deposited 650 thousand), then the bank will charge 6% on 500 thousand, and on the balance (150 thousand) will charge 3%. This is clearly stated in the tariffs.
Withdrawing money from the card
Let us repeat that with a space card, the first 5 withdrawals per month from any ATM in the world are commission-free (at HKB ATMs, withdraw for free without restrictions on the number of withdrawals). If you do not “fit” in 5 times, then the bank will charge a commission of 100 rubles for each withdrawal.
The daily withdrawal limit is 500 thousand rubles.
In total, you can pay by card (by bank transfer) per day in the amount of 1.5 million rubles.
If you are going to withdraw funds from foreign ATMs (or pay with a card abroad), then you should keep in mind possible losses on cross-border transactions (conversion of rubles into other currencies). The bank has its own, rather unfavorable, conversion rate (a large spread between the purchase and sale prices), so, according to customer reviews, it is better not to use Cosmos for payments abroad and when paying in foreign stores.
Now a few words about the so-called “barrier commission” (anti-transit restrictions). If funds were transferred to your card account from other banks or from the accounts of other clients of HKB (with the exception of payroll and receipts from budgets of various levels and state extra-budgetary funds), and they “stayed” there for less than 30 calendar days, then the bank will withhold 10 % of the amount exceeding 600 thousand rubles. total withdrawal within 30 calendar days from the date of the first non-cash receipt of money into your account.
Thus, the money must rest for the required 30 days.
The restrictions are not so severe if the money in your accounts was received in cash at a bank branch other than the branch where you are going to withdraw money, and stayed less than 10 days. In this case, the bank will withhold a commission of 10% of the amount exceeding 600 thousand rubles of total withdrawal (for example, at cash desks and ATMs) during a calendar day.
These restrictions will not affect the average client, but keep them in mind.
Bonus program Benefit
The Benefit loyalty program plays a significant role in the formation of the “image” of Home Credit cards and their promotion in the market (for example, “Successful Purchases” credit cards are called: cards with Benefit). It automatically starts working after receiving the card. A certain number of bonuses are awarded for each purchase, depending on the category of the trade and service enterprise. Bonus points are divided into: points for purchases in certain categories (Cafes and restaurants, gas stations, travel); basic (all categories except the “separate” ones described above) and promotional (awarded by partner stores as part of the corresponding promotions), which are awarded during online shopping.
More details about the rules of use can be found in. It is worth noting here that with the “space card”, basic points are awarded in the amount of 1% of the purchase amount (no more than 2,000 per month), and points in certain categories amount to 3% of the purchase (no more than 3,000 per month). Thus, the total number of points does not exceed 5,000 points plus promotional points, which is considered very, very good compared to competitive basic products (usually the restrictions on the total number of points or cashback are more significant).
You can convert points into rubles (conversion rate 1:1) on the corresponding Internet banking page. Don't forget that points expire 12 months after accrual.
Card replenishment
Free “official” methods of replenishing a card account are limited to depositing funds at cash desks or ATMs with a cash-accepting function. The bank also makes it possible to top up your account from the Internet bank by transferring from a card of another bank (withdraw funds from there), there is NO commission for crediting funds to the account! (This is now possible as part of the “Online payments without commission” promotion until 04/30/2018). Other replenishment methods indicated on the banking website are subject to a commission.
How can you conveniently top up your card in other ways? Here are just a few proven methods:
1. We get a debit card that allows you to make free S2C transfers (from card to card) or free interbank transfers to third-party bank accounts.
2. We take advantage of the opportunity to transfer money between cards of different banks on social media for free. networks VKontakte and Odnoklassniki. The promotion is valid until the end of 2017 for MasterCard and Maestro cards from 100 rubles. up to 750,000 rub. per month without commission. Most likely, the promotion will be extended.
3. The official loan replenishment service from the Rapida payment system on the MasterCard website (https://loanrepayment.mastercard.ru/#/) allows you to transfer funds without commission from Mastercard and Maestro cards to your card account (not to the number (!), you must indicate the bank details of the account where the transfer will go) - until 12/31/2017 (the promotion can be extended).
As you can see, there are many convenient ways to replenish funds - get a free MasterCard Sberbank card, and withdraw funds from it for free, or create free debits with the ability to make interbank transfers without commission.
Translations
Transfers to IB between your accounts are free;
Transfers in IB to accounts in other banks – 10 rubles;
C2C transfer to IB – 1% (min. 100 rubles).
By analogy with withdrawals, there is a protective commission for transfers: 20% of the amount over 300 thousand rubles. total transfer within 15 days from the date of the first non-cash receipt of funds into your account. The laying period in this case is 2 times less.
Let us add that the space card is a free donor, that is, it allows you to withdraw funds from it without commission (for example, through the information security of other banks in order to replenish card accounts).
Other tariffs and conditions
We have already mentioned that from the second year the card becomes conditionally free, so you won’t be able to put it aside - either pay 99 rubles monthly, or actively use plastic, making purchases worth 5,000 rubles. per month (the second option is to put 10 thousand rubles on the card, on which annual interest will be accrued). Please note that if you do not use the card for 1 year, and the balance on it does not exceed 100 rubles, then the bank has the right to close it.
The bank may refuse to re-issue it by closing the card account if there is no debt. In addition, the bank may take additional measures and block the card if it suspects unauthorized use of the card or if suspicious transactions are detected, including those that violate the laws of the Russian Federation.
The list of services for which no commission is charged is given below.
Registration and receipt
The card can be issued at any bank office or you can leave an application in the Internet bank. During the delivery of the personalized card (approximately 2-3 weeks), you can receive an instant non-named “Key” card. It is curious that “Key” may be a different payment system (not Visa, like Cosmos) - clients are often (or constantly?) issued a MasterCard card.
As soon as the personalized card is activated (it is usually issued already activated), the non-named instant card is blocked by the bank and becomes invalid.
A loyal population lending program is the calling card of every commercial bank. The new Cosmos debit card from Home Credit is an electronic wallet with preferential customer service and numerous other options that will appeal to even experienced plastic users.
What is “Cosmos” from Home Credit Bank?
Modern users of banking products are accustomed to independently maintaining control over completed transactions. This allows you to create a personal account https://ib.homecredit.ru Through the Internet, consumers can pay for services, transfer money, and perform hundreds of different transactions without commission or with a minimum percentage. For convenience, a special “Autopayment” service is provided.
The “Benefits” section, developed exclusively for bank clients and Cosmos card holders, contains information about accrued points. Personal offers and current promotions carried out by partners are also located here.
Access to their personal account is granted automatically when they contact the branch to apply for a Cosmos Home Credit card. Connection is free and does not require banking services. On the day the card is received, the employee issues a temporary login and password for the first login to the account. They are subject to mandatory change, since the security code is intended for one authorization.
What is “Benefit” and why is it needed?
The flagship product includes a bonus program under the commercial name “Benefit”. It is free to connect, so it is provided to all individuals by default.
Owners of the “Cosmos” card are guaranteed cashback for any completed payment transactions from Home Credit, thanks to the “Benefit” program. Accrued points can be exchanged for real cash payments.
The product is archived - now it’s important to receive up to 7% per annum on the card "Benefit", There is currently a special promotion for new clients - .
08/05/2019 — from 05/06/2019, the interest rate on the Cosmos card of Home Credit Bank is reduced to 5% per annum(for the balance from 10,000 rubles to 500 thousand rubles).
20/03/2019 — In addition to standard categories, you can order an additional 2% cashback in additional categories, see.
12/12/2018
— VISA has changed the category of Home Credit bank cards with BIN 446915 ( this is, for example, the “Space” card) from Platinum to Rewards. Those. you had a Platinum card, but it became Rewards. And when reissued there will also be Rewards and a different BIN.
What does it mean? That, for example, now you can’t use unlimited Internet in roaming from telecom operators.
In addition, according to the bonus program of Home Credit Bank, there is now a bonus for payments in IB and at its own ATMs limit 300 rub/month. The standard limit is 2000 rubles/month.
The previous deterioration was the rounding of bonuses to the whole ruble. Let’s say that a purchase of 290 rubles previously would have brought 2.9 rubles, but now it’s 2 rubles.
07/05/2018
— From this date, rates on Home Credit Bank income cards are reduced.
“Space” - 6% per annum on the balance of 10-500 thousand rubles.
“Good news” - 4% per annum on balances up to 500 thousand.
“ ” - 7% per annum remains for the balance up to 300 thousand.
01/04/2018 — Acceptance of applications for the “Cosmos” card has been stopped, and this is not a joke. Now, instead of it, this is the new flagship product of HomeCredit Bank. The conditions are similar to Cosmos, but there is no longer a pure piggy bank card: to get 7% on the balance, you need to make purchases worth 5,000 rubles per month. If less, then 0% per annum on the balance. Previously issued Cosmos cards continue to be valid.
The “Cosmos” card from Home Credit Bank is a piggy bank card with 6% per annum and brings cashback under the “Benefit” program of this bank up to 3%.
Debit card "Cosmos" of HomeCredit Bank
The current option is to order a Benefit card on the bank’s website, get 500 rubles for it, and then receive 7% per annum on the balance. The conditions and tariffs are in many ways superior to the famous card.
The Cosmos card was issued by the VISA Platinum class system, has a chip and PayWave contactless payment function.
12.12.2017 — Free top-ups have appeared in the Internet bank from other cards by “drawing” via c2c, the money is credited to the account instantly. The maximum amount you can top up your card for free is up to 300,000 rubles per month. The maximum amount for one transaction is up to 150,000 rubles.
12/06/2017 — Increased cashback for paying with cards with “Polza” at “Trassa” and “EKA” gas stations in Moscow and the Moscow region until the end of December. According to Cosmos maps:
- At EKA gas stations - 7%
- At gas stations of the Trassa network - 6%
11/30/2017 — For new clients who issued a card from 12/07/2017 and later, there will no longer be free service; the fee depends on the amount on the card or the monthly turnover on it, see below. Customers who apply for a Cosmos card before December 7, 2017 inclusive, will receive a year of free service as a gift. Otherwise, the conditions are the same.
6% on the balance on the Cosmos card
The terms of the Cosmos Card provide for interest on the balance, i.e. it is a full-fledged piggy bank card. To accrue interest, there is no need to ensure any turnover on the card (as on the Tinkoff Black or “Benefit” card). But the conditions for calculating interest on the card balance include the daily balance amount:
6% per annum - for amounts from 10,000 to 500,000 rubles
3% per annum - for an amount exceeding 500,000 rubles
For amounts less than 10,000 rubles, interest is not charged on the balance.
According to the terms, servicing the Cosmos card is free - if you always have at least 10,000 rubles on the card or make purchases worth 5,000 rubles/month. Otherwise, the service costs 99 rubles/month. For cards issued before December 7, 2017, the first year of service is absolutely free.
The SMS-info service costs 59 rubles/month. But even without this service, when making purchases, you receive a free SMS with the transaction amount, I think this is quite sufficient. If you activate paid SMS, you will additionally learn about your account balance.
Cash withdrawal
According to the conditions, the Cosmos card also offers free cash withdrawals (in rubles). The first 5 withdrawals per month are commission-free at any ATM, and starting from the 6th withdrawal at a third-party ATM in the current month, a commission of 100 rubles will be charged on any amount.
How to top up your card
- Of course, you can top up cash in the cash registers of HomeCredit Bank, but there are not many bank branches
- Interbank transfer from another bank (I do this from the Tinkoff Black card)
- From partners (Svyaznoy, MTS, Zolotaya Korona, etc.)
- Through Russian Post branches
- In Internet banking using a card from another bank, there is no commission. The limit for one transfer is 150,000 rubles, per month - 300 thousand.
Bonus program "Benefit"
1% cash back in points for all purchases. These are basic points, the limit is 2000 points/month.
3% in the categories - “Gas stations” - gas stations, gasoline; "Cafes and restaurants"; "Trips". The limit for these points is 3000/month.
In addition, there is a constantly updated list of partner stores of the Benefit program, where cashback can reach 6-10% and higher, for example Aliexpress now gives 7%, Burger King - 24%. The full list can be found in the special Benefits section in your personal account in Internet banking.
Partner stores for the Benefit program Points received under the Benefit program are very easily converted into real money. Firstly, they are accrued shortly after processing the transaction (those at a rate of 1% - housing and communal services, communications, taxes and various purchases). Secondly, immediately after their appearance, points can be converted, compensating for any of the previously made purchases, and partially. Those. there is no need to collect a sufficient amount of points to cover the entire purchase, as you need to do with Tinkoff Platinum or Touch Bank cards.
How to activate the Cosmos card
You can activate by calling 8-495-7858222 or 8-800-700-8006, telling the operator the card number and code word, coming up with a PIN code and dialing it on the phone.
Connection to HomeCredit Internet Banking
Once you receive your card, be sure to connect to online banking. This is a unique thing of its kind that allows, for example, without using card details to pay with cashback: housing and communal services, communications, fines and even taxes directly from the Internet bank. For most cards, Benefit program points are awarded in the amount of 1% of the amount without any discarding of pennies (like Tinkov). Connecting and using Internet banking is free, the initial login and password will be given at the bank office upon receipt of the card. It is recommended to immediately go to the Internet bank and change them to your permanent ones.
List of services for which no fee is charged
1. Receiving money using the Card at the Bank’s ATMs
2. Depositing money into the account through the Bank’s cash desks
3. Depositing money into the account through Bank ATMs
4. Depositing money into the account through Bank terminals
5. Transfer of money to accounts within the Bank
6. Blocking / Unblocking Cards
7. Issue of a non-named card
8. Issue of a new PIN code
9. First reissue of the Card at the initiative of the Client
10. Sending regular Notifications by email
11. Providing an account statement at the Bank’s offices
12. Connection and use of the Internet banking service