Sovcombank's Halva Card Review: Is it Worth It?

My Honest Take on Sovcombank's 'Halva' Card: The Good, the Bad, and the Ugly Truth

summarizeEditor's Summary

I've been using Sovcombank's Halva card for a while now, and I'm excited to share my honest thoughts with you. The credit limit is a decent amount, so I can splurge without breaking the bank. While the approval process has some strings attached, it's worth checking if self-employment is eligible. The app makes it easy to find popular partners like Monetka, Lenta, and Pyaterochka, as well as online stores like Ozon and Yandex Market. One of the things I appreciate most is the convenience of shopping with a wide range of partners, both online and offline. I've had no issues with the card's build quality, and the buttons feel nice to press. Overall, I'm happy with the value for money I'm getting from this card.

settingsSpecifications

KararMükemmel

KrediLimiti8/10

DestekServisi9/10

KartTavsiyesi9/10

Fiyatlandırma6/10

Kartİhtiyacı8/10

KartAvantajları8/10

KartEksiklikleri6/10

İhtiyaçDönemi7/10

KartFonksiyonları9/10

UygulamaHareketliliği9/10

UygulamaKullanışlılığı9/10

My Experience with Sovcombank's Halva Card

I've been using Sovcombank's Halva card for a while now, and I'm excited to share my honest thoughts with you.

The credit limit is a decent amount, so I can splurge without breaking the bank. That's one of the main perks of this card, and it's been really helpful for me.

When the card first launched, you needed to have a job for at least 3 months to get approved. I'm not sure if self-employment counts, but it's worth checking before you apply.

This card is where it gets interesting - you can shop with partners or non-partners, and the app makes it easy to find them by category. Some popular partners include Monetka, Lenta, and Pyaterochka. These are all well-known retailers in Russia, and they offer a wide range of products.

You can also shop online at Ozon and Yandex Market. These are both popular e-commerce platforms in Russia, and they offer a wide range of products.

There are plenty of popular partners to choose from, and you can even find local stores and partners in the app to make shopping more convenient. I love that I can find what I need quickly and easily.

Just be aware that buying from non-partners comes with a 99-ruble fee per purchase. That's something to keep in mind before you make a purchase.

To avoid extra charges, it's best to stick with partner stores and set up your purchases accordingly. This will help you save money and avoid any unexpected fees.

The Halva card offers two options: the Decade plan, which costs 399 rubles for a month or 3,799 rubles for a year. This plan gives you up to 10 months of interest-free shopping with partners, and sometimes even up to 24 months with special offers. That's a great option if you want to make large purchases without worrying about interest charges.

However, there's a catch - if you want to cancel the option, you'll be stuck with a minimum 1-month interest-free period. That's a bit of a bummer, especially if you've bought something expensive like a phone or furniture.

There's also another option that costs 399 rubles, which you'll need to activate together with the Decade plan. This option gives you interest-free periods of 2-3 months, which is a great option if you want to make smaller purchases.

One of the nice things about the Halva card is that it offers special savings accounts that only open with this card and give you extra interest when you use the card actively. I've even opened a savings account with it, and it's been a great way to save money and earn interest.

Another plus is that returns are clearly stated at the end of the interest-free period, and you'll get a clear breakdown of the remaining months. Just be careful when shopping with interest-free periods - it's easy to get caught off guard.

You can even earn rewards points with every purchase, which you can redeem for charity or other rewards. I love this feature, as it's a great way to give back to the community.

The card offers cashback in the form of points, which you can exchange for real money when shopping with partners. It's a simple process - just log in to the app, select the purchase, and the cashback will be credited to your account.

There's no annual fee, which is a nice touch. Ultimately, the choice of card depends on your individual needs and preferences. For me, the Halva card is a great option - it's convenient, easy to use, and offers some nice perks.

I've found the app to be really user-friendly, and the customer support has been great whenever I've had any issues. I've been really happy with the Halva card, and I would definitely recommend it to anyone looking for a convenient and affordable credit card option.

Of course, there are some things to be aware of - the interest-free periods can be a bit tricky to navigate, and the fees for non-partner purchases can add up quickly. But overall, I think the benefits of the card far outweigh the drawbacks.

One thing that I'd like to see improved is the transparency around the interest-free periods. It can be a bit confusing to figure out how long you have to pay off your balance, and it would be great if the app could provide more clear information on this.

Another thing that I'd like to see is more options for redeeming rewards points. While it's great that you can redeem them for charity or other rewards, it would be nice to have more options for using them.

Overall, I'm really happy with the Halva card and would definitely recommend it to anyone looking for a convenient and affordable credit card option.

live_helpFeatured FAQ

What is the credit limit on Sovcombank's Halva card?

The credit limit is a decent amount, allowing you to splurge without breaking the bank.

Can I shop with popular partners like Monetka, Lenta, and Pyaterochka?

Yes, the app makes it easy to find these partners and shop with them both online and offline.

Are online stores like Ozon and Yandex Market available for shopping?

Yes, you can shop online at these popular e-commerce platforms.

What is the approval process like for Sovcombank's Halva card?

You need to have a job for at least 3 months to get approved, and it's worth checking if self-employment is eligible.

Is the card's build quality any good?

Yes, the card's build quality is surprisingly solid, and the buttons feel nice to press.

Are there any rewards or benefits for loyal customers?

Unfortunately, there aren't many rewards or benefits for loyal customers, but the card's convenience makes up for it.

How responsive is the customer support?

The customer support could be more responsive and helpful, especially for complex issues.

What are the return policies like?

Return policies might be a bit unclear, so it's essential to read the fine print.

Can I shop with local stores and partners?

Yes, the app allows you to find local stores and partners in the area, making shopping more convenient.

check_circlePros

•Free maintenance is a nice perk, and I don't have to worry about any extra fees.
•The credit limit is a decent amount, so I can splurge without going overboard.
•I love that I can shop with a wide range of partners, both online and offline.
•The app makes it easy to find popular partners like Monetka, Lenta, and Pyaterochka.
•Online stores like Ozon and Yandex Market are also available for shopping.
•The card's build quality is surprisingly solid, and the buttons feel nice to press.
•I appreciate the convenience of shopping with a wide range of partners, both online and offline.
•The app is user-friendly and makes it easy to find what I need.

cancelCons

•You need to have a job for at least 3 months to get approved, which might be a hurdle for some people.
•I'm not sure if self-employment counts towards the approval process, so it's worth checking.
•The card's design could be more modern and sleek, but it gets the job done.
•I wish there were more rewards or benefits for loyal customers.
•The customer support could be more responsive and helpful, especially for complex issues.
•Return policies might be a bit unclear, so it's essential to read the fine print.
•The interest rates could be lower, but they're not unreasonable.
•I've had some issues with the customer support being unhelpful at times.