About
Halva is an instalment card issued by PAO Sovcombank, a Russian bank holding Bank of Russia licence No. 963. The holder gets a credit limit, and purchases made with it at partner merchants are split into instalments over up to 24 months, at 0% interest during the grace period under the bank's 2024 tariff. Issue, reissue and annual service of the card are free. Unlike checkout-only BNPL, it also works as a debit card: purchases with the holder's own money earn cashback of up to 10%, and the credit limit can also be drawn as cash or transfers repaid in instalments.
Official site →Countries
