Conditions on the Halva card from Sovcombank for 2020

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

Halva is a relatively new product that has already become popular in the financial and credit services market. Clients often mistakenly believe that this is a type of credit card, but the card from Sovcombank has a number of differences, as well as advantages, including conditions for issuing and servicing in 2020.

Advantages of the Halva installment card from Sovcombank

Initially, the card was used only to pay for purchases in partner stores. But over time, the possibilities have expanded significantly and now the holders of "plastic" can withdraw cash, including those provided in installments.

The commission is charged only for the withdrawal of borrowed funds, your money is cashed out free of charge. The main advantage of the product is the attractive conditions for its use:

1. Installment is possible for up to 12 months without any additional commissions or hidden fees.
2. Possibility of free replenishment of the card in case of online payment. You can also open an account without commission, which is then linked to the card.
3. During the grace period, the interest rate is 0, then 10%.
4. No overpayment, down payment or commission for issuing and maintaining the card.
5. Free use of Internet banking, Halva card mobile application (iOS, Android), availability of SMS-informing clients (on a paid basis).
6. Long term of validity - up to 120 months (10 years).
7. Halva uses PayPass (contactless payment technology), which allows you to make a one-touch payment without entering a PIN.
8. The renewable limit is from 5 thousand to 350 thousand rubles. In other words, the cardholder can make new purchases by paying off only part of the debt.
9. The ability to withdraw cash from an ATM of any bank without deducting interest, if the amount does not exceed 100 thousand rubles. When cashing out smaller amounts (up to 15 thousand rubles), the payment for the operation is 2.9% plus another 290 rubles.
10. A huge number of offices and branches - more than 2 thousand.

Tariffs and conditions

All conditions for registration and use of the Halva card from Sovcombank in 2020 are presented below.

Card type	Mastercard World
Peculiarities	Chip presence Registration and issuance Contactless Payments (PayPass) - Apple Pay / Google Pay / Samsung Pay Individual design
Cashback	Accrued in the form of points
Availability of installments	Installment plan for a period of 3 months is provided for the amount of transfer / withdrawal of credit funds (commission fee - 290 rubles + 2.9%) When calculating the payment, the number of months of the installment plan and the amount of the transaction are taken into account Partner stores provide installments for up to 1.5 years with the possibility of renewal using the minimum payment amount or a special tariff plan Welcome bonus from Sovcombank: the grace period is increased by 3 months when making the first purchase within 10 days from the date of registration (in case of payment by phone from partners) If the purchase is made outside the affiliate network, a commission fee of 1.9% + 290 rubles will be charged Birthday campaign. The client receives an SMS notification about the provision of an installment plan for 12 months in case of making a purchase from partners on his birthday, as well as in the next 2 days after the event
Interest on the balance	Up to 5.5%

How to use the card

The loan offer from Sovcombank is valid for 30 thousand stores, and this list is regularly updated. The number of such outlets varies depending on the territory of the client's residence.

"Halva" is not accepted everywhere, so it is necessary to familiarize yourself with the list of retail chains, as well as the list of specific points in advance. For example, M. Video is actually a partner of Sovcombank, while not all stores of the chain accept the card.

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You can use the banking product in many large networks, we will consider them depending on the assortment:

1. Technique. There are more than 800 stores that provide loans for purchasing equipment. The most famous of them are Yulmart, Eldorado, M. Video, Holodolnik.ru, Technopark, and Techport. The branches "Megafon", "Beeline", "Tele 2", MTS invite you to buy a tablet, a smartphone and any other gadget. Branded stores Sony Center, Redmond, ReStore, Samsung also work closely with the company.
2. Grocery networks. There are about 500 such outlets, but there are few large chain supermarkets operating throughout the Russian Federation. Widespread and popular networks - Karusel, Perekrestok (there is an online store), Pyaterochka. Under the terms of using the Halva card, the installment plan is generally valid for no more than a month.
3. Families with children are given a unique opportunity to use a loan product from Sovcombank in order to purchase children's clothing and shoes, which is especially important before the start of the new 2020/2021 academic year. Such major chains as "Begemot" and "Daughters-sons" are invited for shopping.
4. Shoes. Shoe points are represented by a wide range of partners working in different price segments: Antilopa, Zenden, Vitacci, Kari, Rieker, Belwest, Respect, Ralf Ringer. You can pay for the goods within three months.
5. Clothing. In this segment, branded chains such as Gilliver, Colins, Nike, Finn Flare, Sela, Colins, Finn Flare, Insity are represented. The opportunity to please yourself with a new fur coat and other items of outerwear, and to pay for their cost after the purchase is provided by the outlets of the Kalyaev and Snezhnaya Koroleva chains. One of the largest online stores working in this direction is Lamoda.
6. Building materials. About 1,000 stores cooperate with the bank, among which there are large retail chains: Obi, Leroy Merlin. Some partners allow you to pay for the goods throughout the year.
7. Pharmacies. The list includes pharmacies located mainly in two capitals (St. Petersburg, Moscow). The most famous network is Invitro.
8. Household goods (interior, furniture). Unfortunately, such a popular network company as Ikea does not cooperate with the bank. But you can accept other offers from such hypermarkets as Infiniti, Shatura, Hoff. Borrowed funds are provided for up to 6 months, in some cases - up to 10 months.
9. Food service points. The product involves not only the purchase of goods in partner stores, but also the receipt of services. The client is given the opportunity to use the bank's funds to pay for food in cafes and restaurants, for example, in Shokoladnitsa or Coffee House. In addition, such a well-known food delivery service as Delivery Club cooperates with the company, which works with a large number of catering outlets, which significantly expands the list of options.

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In addition, the Halva card is used for the purchase of tours, railway and air tickets, and hotel reservations. A cooperation agreement has been concluded with several dozen travel agencies. Major partners are represented by TUI, Tez Tour.

Even if the retail chain is included in the list of Sovcombank partners, it is still necessary to clarify the possibility of purchasing goods by installments in a specific locality. All the necessary information is presented on the bank's website.

Summarize

1. The Halva installment card is a relatively new product from Sovcombank, which is rapidly gaining popularity among the population.
2. The client can use borrowed funds in order to purchase goods and receive services in the field of food and tourism.
3. Cardholders are given the opportunity to withdraw funds without deducting a commission at any ATM, but only in a limited amount.
4. Sovcombank cooperates with both small retail outlets and large chains, which significantly expands the capabilities of customers.