Card "Cosmos" from "Home Credit": reviews, conditions, benefits

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Currently, a number of banks attract the attention of the client with their advanced, profitable products. It is this strategy that distinguishes Home Credit. The conditions of the Cosmos card from this bank look attractive. If the reviews are to be believed, the service is also excellent. Should I trust this bank with my money? Especially for those interested - an overview of the Cosmos debit card of Home Credit Bank.

Reliable or not?

Some banking structures are not in doubt among a wide range of consumers. Say, Sberbank, it seems, has always existed and will always exist. However, you have to pay for reliability: rates on deposits here are small, but on credit programs - more than impressive. There are also several other large banks with state participation. The fact that power has been invested in them allows you to trust the structures. But the benefit, as in the case of Sberbank, is minimal. But the conditions of the Cosmos card from Home Credit are much more attractive from the point of view of an ordinary client. On the other hand, the structure is much smaller, so noteveryone is ready to invest their hard-earned money in it.

The benefits of the Cosmos card program for Home Credit are obvious and detailed on the company's official website. With high interest on the balance of funds, the client gets access to a number of premium offers. It is possible to receive bonuses when making purchases in some stores. The first year the company provides a completely free service. There will be no questions about how to activate the Cosmos Home Credit card: in the reviews, users unanimously indicate that the service of this structure is at its best. The help desk quickly and correctly answers any question, instructs and explains the features of the tariff scale.

Why and to whom?

As can be seen from the brief description of the product, reviews of the Cosmos card from Home Credit, when you connect the premium rate, you get access to a number of special very profitable offers. In addition, customers have the opportunity to use a specific simplified payment system. A number of interesting, attractive opportunities are open to a wide range of people. As can be seen from the feedback on the Cosmos card from Home Credit, most of the clients of the structure highly appreciate these advantages and believe that they are worth cooperating with the banking structure.

The bank itself says that the financial product was developed primarily for those individuals who need a card for everyday use. As can be seen from the reviews about the Cosmos card from Home Credit, the product is optimal for use in a variety of stores, retail outlets, suitable for paying for services as in realstores and virtual ones. A convenient personal account is provided that allows you to keep the financial situation under control. At any time, users, as evidenced by reviews of the Cosmos card from Home Credit, can resort to personal accounts, paying for any needs. Operations are quickly realized, pass without failures. There is a thoughtful system of monthly payments. As can be seen from the reviews, replenishment of the Cosmos Home Credit card and transfer to settlement accounts of other individuals are also not difficult. If you have any questions, technical support quickly answers all questions. The hotline of Home Credit Bank is intended for this purpose.

Favorable and reliable

As can be seen from the tariffs of the Cosmos card of Home Credit Bank, in addition to everyday use, the product is also suitable for accumulating personal funds. A well-thought-out program allows you to profitably store money, receiving a small percentage with enviable regularity. The amount depends on how big the customer's savings are.

Additional income is also provided by the cashback of the Cosmos card from Home Credit. This is a relatively small benefit, determined by the user's spending. A specific program "Benefit" was developed. This is the cashback of the Cosmos card from Home Credit: almost a third of the amount spent can be returned back to the client. The offer applies to a limited number of outlets, but their list is quite extensive. The offer is valid in several hundred bank partners. Return amountFunding varies from store to store. You can clarify specific information by calling the hotline of Home Credit Bank.

Everything for an active life

As you can see from the advertising campaign, the Cosmos Home Credit debit card was created primarily for active modern people. It suits young people, middle-aged people - in a word, those who have the greatest purchasing activity and are ready to invest their money wisely and profitably for themselves. At the same time, there are no restrictions. Absolutely anyone who is interested in this can become the owner of the Cosmos Home Credit debit card.

If there is a balance on the card, interest is charged on them. The program works in any case, regardless of how large the amount of the balance is. The rules for accruing bonuses on the Cosmos Home Credit card are especially interesting for students, pensioners who like to buy wisely and profitably for themselves. The conditions are quite simple, so everyone can participate in the program. However, as can be seen from the statistical information, this card is mainly used by actively working young and middle-aged people.

Benefits

If you pay attention to the program that describes in detail how to use the Cosmos Home Credit card, you will notice that the greatest benefits are associated with the Platinum status. In this case, the client gets access to a number of specific privileges and can count on particularly large discounts. In addition, it is possible to use someprofitable offers developed not by a bank, but by the Visa payment system. The service life of such a card is two years longer than that of any other bank. The first year of service is free of charge. When this period expires, use becomes paid, but for a platinum debit card, tariff plans are more than affordable. This is partly offset by bonuses and discounts provided by partner stores for the Cosmos card from Home Credit.

Among other positive aspects of using the card are high cash withdrawal limits. These figures are higher than in most similar offers of other banking structures. The card is available to users if they fulfill the conditions set in the banking program. They are quite simple, accessible to people whose income level is average, so the card as a whole is optimal for the general public. The greater the interest is charged on the balance, the more money is on the card at the end of the billing period. The first five times you can cash out money from the card without commission even when using ATMs of other banks. This is really profitable, it allows you to quickly get the right amount without spending extra money.

For lovers of saving and spending

Based on the positive points described above, one can understand why the number of those who want to know how to apply for a Cosmos Home Credit card has been increasing lately. Indeed, subject to favorable offers, the program seems extremely tempting. In addition, as the bank draws attention, if the user wants to cash out a small amount from the cardamount, the commission that he will pay in this case will be minimal. There are no restrictions on the lower limit - you can withdraw exactly the amount that the cardholder needs. Money is issued in rubles, no interest is charged for the service.

The bonus program deserves special attention. Many partner stores on the Cosmos card from Home Credit give additional discounts, and some of the money spent is returned back to the user after the time period has elapsed. Cashback varies - it depends both on the specific store, the current offer, and on the amount of the transaction. Nevertheless, such an opportunity is always a benefit. You can use it in several hundred stores, of which the most visited are M. Video, L'Etoile, Daughters and Sons.

Are there any disadvantages?

Space from Home Credit is a relatively convenient financial offer, but it is not alien to some shortcomings. In particular, service using SMS messages will have to be connected for money. Of course, the same Sberbank also charges for these services, but still, in most modern banks, the SMS package is provided free of charge. In addition, if there is a need to transfer money from bank to bank, Home Credit will charge a high percentage for such an operation. To do this, you will have to go to the office, issue an order, only after that the transfer will be carried out.

Another aspect is the procedure for transferring points on the Cosmos card from Home Credit. The procedure is not easy, and the firsttimes it is better to use the help of the operator through the hotline, so as not to make mistakes. This will allow you not to lose your profit and use the offer wisely, as they say, “to the fullest”.

How to get?

As you can see from the terms of service, in order to get a card, you need to contact the bank office. Here the user draws up the papers required under the service agreement, signs them with his own hand, only after that the credit company includes him in the program participants. It is currently not possible to place an order through the bank's website. To get a card, you need to come to the Home Credit branch with your passport. Typically, the application is filled in by a representative of the bank, and the user only signs the application and indicates the date of filling out the documentation. This activates the release process and shows that the potential user of the service agrees to the service rates. The procedure usually takes no more than ten minutes. However, as can be seen from the reviews of the banking structure, in many branches, especially at the end of the working day, one may encounter the problem of queues. When planning a trip to Home Credit, you should be prepared to spend at least half an hour in the office, as queues often drag on for 10-15 minutes.

Interacting with the operator, it can be noted that the client is interested in the instant issue of the card. An alternative option is a personalized plastic card "Cosmos" from "Home Credit". You need to wait for a nominal one for some time: sometimes just a couple of days, and sometimes two or even three weeks. As a rule, the manager of the credit structure at the time of placing the orderindicates the maximum possible length of the waiting period. When the card is prepared for use, it is sent to the office where the client left the application. After that, the manager contacts the phone number specified by the user, you can come for your payment plastic. But the applicant receives an instant release card as soon as the paperwork process ends. However, please note: the rules and tariffs for these cards are somewhat different. The nominal one is more profitable and in general has more possibilities for application. Some stores do not authorize transactions with instant cards, and also do not approve the presentation of such a card when making a high-value purchase.

"Benefit" for everyone's benefit

As you can see from the description of the program, "Home Credit" allows you to get a certain benefit when using the "Cosmos" card through the bonus program "Use". Benefits are received by those who make purchases from partners of the financial structure. The system, by its logic, resembles the possibilities of cashback and allows you to get back almost a third of what you spent (in some cases).

Stores provide points under different conditions. In some it will be a percentage of the perfect purchase, while in others they give a fixed amount of bonuses, and the amount of the check does not matter. "Home Credit" additionally accrues bonus points to those who make payments through a virtual personal account. You can thus receive a reward by paying housing and communal services or fines, as well as transferring money for any service. The period for accruing bonus points depends ona specific participant in the program, in the general case this happens on the third or fifth day from the date of the transaction. The longest period for crediting points is one and a half months. The bank warns that in rare cases, the period can even stretch for 70 days. If the points under the bonus program did not arrive on time (as can be seen from the reviews about the card, this happens), you need to contact the support hotline. In addition, a chat is constantly running on the company's website, where operators can answer a client's question.

Features of bonuses

As you can see from the list presented on the official website of the bank, you can get a bonus by making a purchase on the Litres website, as well as when making transactions on Aliexpress. "Home Credit" offers bonuses when making purchases in fashion stores - this is the popular "BeeFree", and the "Otto" available to the general public, and the convenient virtual catalog "LaModa". You can get some amount from the purchase back in the form of bonuses by paying with the Home Credit card in Krasny Kuba and Technosila, M. Video, Media Markt equipment stores. In a word, there are really many opportunities, and the partners of the program are those outlets where most of our fellow citizens regularly make purchases.

Exchange of bonuses is carried out by analogy "for one bonus - one ruble of a check." In this case, the conversion is made in 10 days. To use the program, you must submit a request through your personal account on the bank's website. Once an application has been received, the process begins.conversion, upon completion, the user receives a notification.

Visa to the world of benefits

When choosing a Home Credit Cosmos premium card, the user gets the opportunity to use special offers developed by the Visa payment system. In particular, this is the popular Creative Weekend campaign, where you can go to the most significant events in the art world. Only the participants of this payment system have access to the opportunity both without the need to wait in line and without the need to pay for tickets.

Holders of the Cosmos card from the Visa payment system have other advantages: you can count on discounts in a variety of establishments and institutions. These are no longer partners of a particular bank, but firms working with the payment system. In addition to shops, special offers are made by service shops, hotels and entertainment establishments. In Russia, special price tags for services introduced by the Azimut hotel chain and Askona chain stores are of particular interest to cardholders. You can also get special offers at the Sunlight chain of jewelry stores or when visiting the RIO Oceanarium.

The best for those who want to be the best

As you can see from the description, Home Credit has developed the Cosmos card for those who want to use the premium offer of the financial institution. The program allows you to get a good profit and not only save what you have earned, but also increase it without putting any effort into it. If on the card at the end of the billing period the amount varies from one hundred to five hundred thousand, thenthe bank charges 7.5% of this amount. If there is even more money, then the interest rate varies from 3 to 7.5%.

For the first year, the bank does not take money for the card at all, and subsequently you will have to pay for services per month: one month costs 99 rubles. If on the card every day there is an amount exceeding ten thousand rubles, or the user makes a transaction using the card in the amount of five thousand, then this month becomes completely free for him. True, 59 rubles will have to be paid for the bank's SMS services.

Favorable and affordable

When applying for a card issue, the user can be sure that he will not have to pay anything. The main map is published for the first time completely disorganized. Any citizen of our country can receive it if his age is 21 years and older. In order to confirm your age and citizenship, as well as to have with you all the necessary personal data for concluding an agreement with a credit company, you must be with your passport when visiting the office. The questionnaire, which the manager of the company will fill out, focusing on the client's documents, is available for public review on the bank's website. You can first read it, and only after that go to the department - if, of course, the client agrees with all the conditions declared in the program.

Some Features

With the Cosmos card from Home Credit Bank, you can withdraw 500 thousand rubles through ATMs per month. The limit on payment for services, products in stores - three times more,that is one and a half million. About 1% of the amount used is always returned as bonuses, regardless of the store in which the money was spent and for which service. The maximum amount of bonuses accrued in one month is two thousand. The most popular categories of goods are a return under the bonus program of at least three percent of the amount spent. These popular ones include gas stations, services related to tourism and catering. You can get up to three thousand points in one month. A number of virtual outlets that have entered into partnership with the bank offer 10% discounts when paying with a Kosmos card.

At the same time, as map users note, there are certain weaknesses. So, it is inconvenient to replenish the card - for this you need to come to the office and put the amount through the cashier. If purchases are made abroad, the bank converts the currency at its own rate, which is not always the same as that established by the Central Bank of the Russian Federation. In some cases, with large amounts of purchases, such conversions can be quite unprofitable. In order not to find yourself in an unpleasant situation, you need to be careful when making transactions in foreign outlets.

Comfortable and unobtrusive

As many customers of the bank note, Home Credit's service is excellent. When registering for participation in financial programs, the user leaves a contact phone number for communication, as in any other banking structure, after which he may encounter a number of calls from the technical service, operators offering new profitable tariff options. If a personinterested in receiving information in this way, he saves his number in the database of customers, and if he does not want to be distracted, he simply informs the manager about his desire to exclude the phone number from the database. After that, there will be no anxiety from the bank: no SMS, no intrusive calls. Many note this as a definite plus, especially clearly visible in comparison with a number of other financial companies, whose clients constantly complain about calls, spam and advertising mailings. In addition, the bank carefully protects its database, so no unauthorized persons have access to the contact details of customers. You don't have to worry about your safety.

As can be seen from the reviews, many draw up cards by placing money on a deposit in Home Credit - this banking structure offers quite favorable interest when working with it, especially if the client has an impressive amount. You can transfer your salary here, and then when issuing a card, the client receives an additional bonus (at the moment - 500 rubles). In addition to debit cards, you can also issue credit plastic. This is quite profitable, although many prefer to avoid such cards.