Sovcombank
Halva
Halva is a credit limit card that allows you to purchase goods and services in installments.
- Monthly fee
- Free
- Cashback up to
- 10%
- Credit limit up to
- 500,000 RUB
- Interest-free up to
- 0 days
- Total annual cost
- 0–19.6%
- Collection
- At a branch
Product information
Key feature: the partner store pays interest for installments, not the client. In other words, you return only the actual cost of the product, without overpayment. At the same time, the card can also be used as a debit card: if you replenish it with your own money, cashback will be credited for such purchases. The credit limit. Up to 500,000 rubles. The Bank sets it individually: It looks at income, credit history, and other loans. The bank may review the limit every three months. Installments for purchases. In Sovcombank's partner stores, the period can reach 24 months (sometimes there are longer offers - up to 36 months). Outside of the partner network, the basic installment plan is 2 months, but with a Halva subscription.Ten" and the "Everything and everywhere" option, it is extended to 3 months. Cash withdrawal. Borrowed funds can be withdrawn in installments (3 months with a subscription, 2 months without). Up to 30,000 rubles per operation, the number of operations is unlimited. But for each such operation, a commission is charged — 399 rubles. You can also withdraw your own funds: at Sovcombank ATMs — for free up to 150,000 rubles per month, and at third—party ATMs - for free when withdrawing from 3,000 rubles in a single operation (if less — a commission of 99 rubles). Service. The issue and maintenance of the card are free of charge. Cashback. You can receive cashback for purchases with your own money — up to 10% (the amount depends on the amount spent and subscription activation). Notifications. SMS notifications about operations are free of charge. Early repayment. No fees. The "Minimum payment" option. It allows you to deposit a smaller amount (1/20 of the total debt), but the bank charges a commission for this — 3.9% of the debt amount.
Important terms
Requirements for the client citizenship of the Russian Federation; age from 18 to 75 years; permanent registration (residence permit) for at least the last 4 months in the region of the bank's presence or in a locality no further than 70 km from it; official employment with at least 4 months of experience in the last place; having a personal mobile phone.