Premium credit card. MasterCard World Black Edition from Sberbank Mastercard black privileges
Despite the conservative approach to the provision of services, Sberbank is considered one of the most advanced and progressive. This is due to the fact that she strives to keep up with the times and provide users with unique products with a huge number of bonuses and opportunities. Sberbank's black card is one such plastic product that requires a detailed and selective approach to study. The article will explore its options, bonuses, features and benefits.
Sberbank offers bank card premium
Getting bonuses and opportunities
One of the directions in which it is developing this organization- provision of bonus units "Thank you" from Sberbank. So, when using services and services, the client can count on:
- a 10% discount when refueling a car and making purchases at a gas station, as well as using a taxi;
- 5% in case of paid events in cafeterias, restaurants;
- the size of the discount is 1.5% in case of payment activities in supermarkets.
As for other acquisitions, the organization charges about 0.5% for them. In addition, when using plastic, the user is endowed with the possibility of accumulating even more bonuses. To do this, you need to go through the registration procedure under the "Thank you" bonus program, owned by this organization, and expect to receive 20 times more bonuses than in the framework of classic card products. Points are calculated as 1 bonus - 1 ruble. In some categories it is possible to receive an even wider list of bonus accruals.
What are the advantages of the product from Sberbank
If you look at this proposal in more detail, you can find a large number of advantages in it:
- affordable service cost;
- discounts and participation in promotions;
- the possibility of a refund;
- other bonuses and promotions, in which any holder can take part.
Exchange of bonuses for discounts and promotions: features and nuances
Master Card World product Black Edition Sberbank allows its owners to spend even more points. For example, you can spend them on:
- obtaining tickets for travel by rail, air, road and even water transport;
- trips to concert programs, theaters and various shows;
- travel on the same.
Also, points can be spent at partners of this organization. Among them are several dozen companies with a well-deserved reputation and offering high-quality commodity items, services, and services.
What a black card looks like
Client-side requirements set
To acquire such a unique product, like a BLACK card, it is necessary to meet a basic set of requirements and meet certain characteristics required by a financial institution:
- the presence of citizenship of the Russian Federation;
- stay in the age range from 21 to 65 years old inclusive;
- obligatory presence of the fact of permanent or temporary registration within any locality of the country;
- presence work experience totaling at least a year (over the last five years);
- hours worked in the last place from six months.
Only in this case the client side can count on receiving this card product.
Features of providing a card
A plastic credit product that implies large amounts of bonus charges is a card issued on the basis of an application from a third party natural person filed to a branch of PJSC Sberbank.
To get hold of this product, it is necessary to comply with the rules of the sequence of instructions:
- draw up a statement indicating the purpose of receiving the card, your own data and bank details;
- attach to it a package of required documentation (including identity card, reference materials about the place of work, income, etc.);
- draw up an agreement indicating the will, powers and obligations of both parties;
- wait for the adoption of the appropriate decision by the financial and credit institution;
- come to the bank and pick up the card.
After that, you can easily use all the bonuses, opportunities and profitable applications of this product.
The card has many advantages for its owner
How to accumulate more bonuses
If you want to ensure yourself the accumulation of even more bonus units, it is necessary to follow the algorithm of actions:
- get involved in the registration of a platinum card, involving large bonus deductions;
- go through a short (short-term) registration procedure under the "Thank you" program by receiving SMS and identifying with a code;
- make a payment using new plastic and get 20 times more bonus deductions for this than with classic cards.
The cost of the annual service, which is implied by the BLACK EDISHN Sberbank card, is 4900 rubles, which is quite acceptable for the average user budget.
Promotions and special offers
If you own this amazing product, you can easily enjoy the specials. More detailed information about them can be easily obtained within the framework of the official resource of the company or by subscribing to the newsletter by e-mail. There are usually no additional requirements for the use of these promotions. Nevertheless, a financial and credit institution has the right to demand the bringing of a number of additional documents at its sole discretion.
What conclusion can be drawn
Thus, the black plastic card of this organization is presented in several varieties. For example, you can find Premier products, as well as special novelties Visa, Master Card, endowed with special features and bonuses. For the correct operation of the product, it is necessary to pay the service fee in a timely manner and follow the instructions given.
After a year of use, I will write a review on the credit card
These are premium credit cards with a limit of up to 3,000,000 rubles.
A few months after obtaining a mortgage in personal account Sberbank has an offer with an approved credit card.
To be honest, it was very helpful. The renovation in the apartment was completed, but there was no equipment, furniture, etc. in it at all. Moreover, the vacation is on the nose. Still, they want everything at once.
Do not go anywhere on vacation and buy all the equipment or go on vacation and sleep on the floor)
We decided to cheat and use a credit card) To then pay for it all our lives
Service cost
4900 rubles per year.
Why so expensive? The card is considered premium. She has additional bonuses, which I will discuss below.
In the meantime, you can simply tell everyone that you have a "lukhari" / platinum card))
Receiving a card
After the mortgage, in which we provided all the documents confirming the income, no additional certificates were required. They just confirmed their consent to receive the card and within a week, it seems, they received it at the bank.
If you have a good credit history, then you will most likely also approve this card.
Credit card interest
If you have a personal offer - 21.9%
In other cases, higher.
Increased bonuses
Moving on to the sweetest - increased bonuses for purchases.
If you have ever had, no later than 10 years, a Sberbank card, then you have heard about bonuses. They are charged for the purchase. 0.5% from each purchase.
This card has increased bonuses for some categories of purchases. You can get up to 10% bonuses.
10% bonuses - when paying for a gas station, Yandex Taxi and Gett Taxi
5% - when paying in cafes and restaurants
1.5% - in supermarkets
What other privileges?
Access to the VIP room in Sheremetyevo for 1500 rubles.
It's already better in some airports in European cities - free access to the VIP lounge: Vienna, Prague, etc.
This is all, alas) I have not yet found any "platinum" status for myself)
There are also discounts in different stores. You can see all the discounts on the website, but they only work when you enter the code on the seller's website or if you tell the seller a special code. That is, no automatic discount will occur if you pay by card. From less well-known stores I saw a discount at Rendezvous, Body Shop and Shokoladnitsa. But all promotions are temporary. That is, in order to use them, you need to constantly monitor the list of shares, remember the codes and call them in time)
All the most "delicious" bonuses for the card Visa Signature... If we ever choose a platinum card, we'll take it. There are a lot of all sorts of "buns".
Does the cost of the service pay off
In our family, yes, it pays off. Now we use only this card at all. The husband tied the card to Apple Pay and pays by phone, and I go with his card and pay her. I have already abandoned my card.
Now let's get into my wallet))
May 2018
Consumption 86 810 rubles
Bonuses received - 1920.32 rubles
Attention! You will receive bonuses only for every 100 rubles of expenses. Rounds SberBank down.
That is, if the purchase was for 80 rubles, then you will not receive ANYTHING! Fly!
4900 service per year we divide by 12 months = 409 bonuses per month must be received for card service to pay off
409 bonuses per month = about 30,000 rubles only in supermarkets | about 4000 rubles only at gas stations | about 4000 rubles only in trips to Yandex or Gett Taxi | About 8500 rubles only in a cafe
If at least one of the above suits you, then your card will at least pay off. For a family even without children, with 1 car, shopping in supermarkets, and maybe sometimes by taxi, the card will definitely be beneficial.
For us, this card even brings income. Credit card with income)
How many bonuses we have earned per year
I wanted to see the statistics on bonuses for the year, but the data is stored only for 2 months, it turns out.
Collected statistics from Ozone.
12,715 bonuses have been spent since July last year.
To date, there are 5564.53 bonus rubles left.
The write-off of bonus points in Burgeg King could not be restored, so there may have been more.
It turns out that we have earned at least 18,279 bonus rubles in almost a year.
The card paid off almost 4 times!
Of course, not everyone will be comfortable, but you can only spend bonuses at partners or on the services of Sberbank, but it suits us.
We usually spend bonuses on Ozone, Burger King.
What about loans?
Do not think that I urge everyone to use credit and pay interest to the bank. Not at all. We will refund your money within the grace period. We left "on credit" only when we bought equipment in 1 month and went on vacation. Only then was the card used as a credit card)
For those who do not know, a credit card can be used without interest if the money is returned during the grace period.
I believe that you can pay the bank to use something right here and right now, and not save up a few more months / years. This is the choice of everyone. For me at that time, debts were less significant than not taking advantage of the vacation that fell for the summer, or living in an apartment without furniture and equipment, in bags and boxes.
I do not advise you to take loans spontaneously. Even before you apply for a loan or credit card, you should know that you will have something to pay and how much you will pay off your debt.
Credits are addictive!) Be careful!
The percentage, if you fit into credit money, is quite high - 22%. It is easier to get a consumer loan for the required amount if it is off. Interest rate on consumer loans now about 15%, much more profitable.
Credit cards have a higher percentage because they are mobile. You don't need to submit an application every time - use it when you need it.
If you are an ardent opponent of credit cards, then try ordering debit card with the same increased bonuses and you will be happy.
Conclusion
The card really gives increased bonuses, no cheating.
But Sberbank is not unique here.
I know that AlfaBank had the same card a year ago, but the service was 1,000 rubles cheaper.
Maps from Tinkoff bank also have an increased cashback for some categories.
Study carefully and choose the card that suits you best.
What is a credit card and how is it different from a debit card?
A credit card is a card for purchases on credit. Unlike a debit card, which contains your own money, a credit card contains bank money. You can use this money to buy goods in stores and on the Internet. You can even transfer money to friends or family, or withdraw cash from an ATM, but keep in mind that the bank will take a commission for these operations.
How do I choose a credit card?
When choosing, first of all, pay attention to the amount of bonuses for purchases, the cost of service, the value credit limit and privileges from the payment system.
At what age can you get a Sberbank credit card?
Any citizen of Russia aged 21 to 65, inclusive, with permanent or temporary registration in any locality of the country can apply for a credit card. The bank makes the decision on the issue of the card and the amount of the credit limit individually.
What is a pre-approved card offer and how do I know if there is one for me?
A pre-approved offer is an offer from a bank to apply for a credit card with a pre-approved credit limit. If you receive such an offer, it means that the bank will most likely approve the issuance of the card.
To see if there is a pre-approved offer for you,. If there is an offer, you will immediately see the approved credit limit and preferential terms. The card will be delivered to the branch of your choice.
How to start using a Sberbank credit card?
After receiving the card, first of all, make sure that your name and surname in Latin transcription are correctly indicated on its front side. Then put your signature on the back of the signature line.
To start using the card, you need to activate it. Come up with and set a PIN-code - a bank employee will tell you how to do it. Once the card is activated, you can make purchasesHow to pay by card in shops and on the Internet?
In the shop. Tell the cashier that you are going to pay by card. Insert the card into payment terminal and enter your PIN. If you have a contactless card, just hold it up to the payment terminal. Purchases more expensive than 1,000 rubles require a PIN. Also, the cashier may ask you to sign the receipt.
In the Internet. On the payment page in the online store, enter the card details. To confirm the payment, an SMS with a code will be sent to your phone. Be careful: you do not need to enter a PIN code when paying on the Internet - it is dangerous.
How to pay interest on a Sberbank credit card?
Percentage for use credit funds are debited from the card automatically, so you do not need to do anything specifically for this. But if you manage to get your money back during the grace period, which lasts from 20 to 50 days, you will not have to pay interest.
How To Avoid Credit Card Interest?
To avoid paying interest, try to return the purchase debt within an interest-free period.
For example, the date of the report on your card is October 1, which means October 2 starts Grace period... If you made a purchase on October 2, you have 50 days to repay the loan without interest, that is, until November 21. If you make a purchase on October 20, then until November 21 there are 32 days to pay off the full amount of debt without interest.
Which transactions are not covered by the grace period?
The grace period does not apply to the amount of cash withdrawal transactions, operations in casinos and sweepstakes, payment for online games, the purchase of foreign or cryptocurrency, traveler's checks, lottery tickets, wire transfers, including transfers to electronic wallets, as well as amounts of exceeding the limit credit.
Where can I find the date of the credit card statement?
There are three ways to find the credit card statement date:
On the credit card report. The card report is sent monthly by e-mail the next day after the date of the report.
In your personal account Sberbank Online. In the "Cards" section, select a credit card and then open the "Card Information" tab.
Call 24/7 contact center on any of the numbers: 900- for subscribers of MTS, Beeline, Megafon and Tele2 in Russia. Free when you are in your home region and in intranet roaming.
8 800 555-55-50 (free within Russia)
+7 495 500-55-50 (for calls from anywhere in the world)
How do I top up my credit card?
There are several ways to top up your credit card:
1. Translate from salary card to Sberbank Online or through an ATM.
2. Top up the card in cash through an ATM or with the help of an employee at the Sberbank office.
3. Transfer from a card of another bank to, as well as to mobile application Sberbank Online.
4. You can top up a blocked credit card at or make a transfer from a third-party bank account.
Crediting the transferred amount to a credit card in the Bank's internal network - from 15 minutes, but no later than the next business day.
Replenishment from cards / accounts of third-party banks - no later than the business day following the day the funds are received by the bank.
Can I transfer money from a Sberbank credit card?
Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - your own or any other client.
Please note that a commission is charged for a transfer from a credit card in accordance with the Bank's tariffs, including when transferring own funds. .
How to increase the credit limit on the card?
The decision to increase the credit limit is made by the bank. If you actively use the card, the bank may decide to increase the amount of the credit limit. If you have not used a credit card for a long time or have used inactively, the bank may offer the client to reduce the limit on the credit card. Such offers usually come via SMS.
All banking products operate on the basis of payment systems (PS). Those, in turn, begin to divide into classes. The privileges, pros and cons that the payment system provides, as well as the cost of annual service depend on the level of the bank card class.
In this article, we will talk about the Mastercard Black Edition product. The black card belongs to the highest class - "Premium" with exclusive offers from PS. The preferred group also includes Platinum, Plastic Infinite and World Elite.
Features, pros, and benefits
World Mastercard Black Edition "Premier" - has a high class of service and is usually issued and issued only for VIP clients. To date, banks have begun to issue these cards to anyone. These products are usually used by travelers and high-privileged businessmen who have multi-million dollar accounts with the issuing bank.
- The ability to open a credit account with a limit of several million.
- Black Edition in most cases has free SMS banking (not in all banks).
- The interest rate on the loan is below average.
- Opportunity to insure yourself and your loved ones for free on trips.
- A personal manager who will advise the client on bank accounts at any time.
- Participation in discount programs from a credit institution and payment system MasterCards.
- Emergency cash withdrawal abroad if the card has been lost. Issued at any bank.
- Upon presentation of the card, you can get privileges Priority Pass... That makes it possible to visit the business lounges of almost any airport on the planet.
- Purchase tickets at reduced prices. To various events around the world.
- The "Nielsen Club" service - makes it possible to travel anywhere in the world on any route.
- High ceiling for daily and monthly cash withdrawal limits. Up to several million.
- Possibility to issue a multi-account: in rubles, euros or US dollars.
NOTE! You need to understand that some of the advantages and privileges may be cut by the bank itself and differ depending on the institution where the PS Mastercard product was issued.
Minuses
- Very expensive annual service.
- It makes sense to register only for wealthy clients in order to receive maximum privileges.
MTS
- If the amount on the balance is more than 400 thousand or the amount of purchases is more than 100 thousand, then the service is free.
B&N Bank AirMiles
- Bonus program "My travels". 1% for everything, 7% for a purchase in the "AIR TRAVEL" category.
- The remuneration is not more than 10 thousand rubles per month.
B&N Bank SVO Club Premium
- A similar program as in the previous card.
- Additional bonus program: 10% for purchases at Duty Free, but only at Sheremetyevo.
- 10% discount when paying a bill at Shokoladnitsa
Tinkoff black edition
- There is a refund: 5% in the selected category of goods or services, 1% for everything and up to 30% from the bank's partners for specials. suggestions.
Orange Premium Club - Promsvyazbank
- Free service if the account has an amount of at least 2,000,000 rubles. Or 1,000,000 with the purchase amount for the last 30 days at least 50,000 rubles.
- Booking tickets for flights, renting a car, etc. - makes it possible to accumulate miles. 1.5 miles for every 30 wooden ones spent, and 15 miles for every 67 rubles on the iGlobe.ru website.
- The first purchase gives 2500 welcome points.
- Privileged Black Master Cards Product with bonus program... 2 points for every 60 rubles spent.
- Bonuses or miles can be spent on tickets at two companies: Aeroflot and SkyTeam.
- Bonus program "Harvest". 1.5 points per 1000 rubles spent.
- The maximum number of points per month is 10 thousand.
Terms of receipt and use
On the given time banks do not set strict conditions. Since if an ordinary client takes it, then the bank will receive benefits from expensive service. So it's not worth buying it and making it out only "for antlers".
Outcome
Let's take a look at the black products of different banks. You can see that the conditions offered credit institutions not so high. It is worth paying attention to cards with profitable programs. They will allow you to accumulate money with a residual balance. Funds accrue monthly in the equivalent of annual interest.
What is a credit card and how is it different from a debit card?
A credit card is a card for purchases on credit. Unlike a debit card, which contains your own money, a credit card contains bank money. You can use this money to buy goods in stores and on the Internet. You can even transfer money to friends or family, or withdraw cash from an ATM, but keep in mind that the bank will take a commission for these operations.
How do I choose a credit card?
When choosing, pay first of all to the amount of bonuses for purchases, the cost of service, the amount of the credit limit and the privileges from the payment system.
At what age can you get a Sberbank credit card?
Any citizen of Russia aged 21 to 65, inclusive, with permanent or temporary registration in any locality of the country can apply for a credit card. The bank makes the decision on the issue of the card and the amount of the credit limit individually.
What is a pre-approved card offer and how do I know if there is one for me?
A pre-approved offer is an offer from a bank to apply for a credit card with a pre-approved credit limit. If you receive such an offer, it means that the bank will most likely approve the issuance of the card.
To see if there is a pre-approved offer for you,. If there is an offer, you will immediately see the approved credit limit and preferential terms. The card will be delivered to the branch of your choice.
How to start using a Sberbank credit card?
After receiving the card, first of all, make sure that your name and surname in Latin transcription are correctly indicated on its front side. Then put your signature on the back of the signature line.
To start using the card, you need to activate it. Come up with and set a PIN-code - a bank employee will tell you how to do it. Once the card is activated, you can make purchasesHow to pay by card in shops and on the Internet?
In the shop. Tell the cashier that you are going to pay by card. Insert the card into the payment terminal and enter the PIN code. If you have a contactless card, just hold it up to the payment terminal. Purchases more expensive than 1,000 rubles require a PIN. Also, the cashier may ask you to sign the receipt.
In the Internet. On the payment page in the online store, enter the card details. To confirm the payment, an SMS with a code will be sent to your phone. Be careful: you do not need to enter a PIN code when paying on the Internet - it is dangerous.
How to pay interest on a Sberbank credit card?
The interest for the use of credit funds is debited from the card automatically, so you do not need to do anything special for this. But if you manage to get your money back during the grace period, which lasts from 20 to 50 days, you will not have to pay interest.
How To Avoid Credit Card Interest?
To avoid paying interest, try to return the purchase debt within an interest-free period.
For example, the date of the report on your card is October 1, which means that the grace period begins on October 2. If you made a purchase on October 2, you have 50 days to repay the loan without interest, that is, until November 21. If you make a purchase on October 20, then until November 21 there are 32 days to pay off the full amount of debt without interest.
Which transactions are not covered by the grace period?
The grace period does not apply to the amount of cash withdrawal transactions, operations in casinos and sweepstakes, payment for online games, the purchase of foreign or cryptocurrency, traveler's checks, lottery tickets, wire transfers, including transfers to electronic wallets, as well as amounts of exceeding the limit credit.
Where can I find the date of the credit card statement?
There are three ways to find the credit card statement date:
On the credit card report. The card report is sent monthly by e-mail the next day after the date of the report.
In your personal account Sberbank Online. In the "Cards" section, select a credit card and then open the "Card Information" tab.
Call the 24/7 contact center at any of the numbers: 900- for subscribers of MTS, Beeline, Megafon and Tele2 in Russia. Free when you are in your home region and in intranet roaming.
8 800 555-55-50 (free within Russia)
+7 495 500-55-50 (for calls from anywhere in the world)
How do I top up my credit card?
There are several ways to top up your credit card:
1. Transfer from a salary card to Sberbank Online or through an ATM.
2. Top up the card in cash through an ATM or with the help of an employee at the Sberbank office.
3. Transfer from a card of another bank to, as well as in the Sberbank Online mobile application.
4. You can top up a blocked credit card at or make a transfer from a third-party bank account.
Crediting the transferred amount to a credit card in the Bank's internal network - from 15 minutes, but no later than the next business day.
Replenishment from cards / accounts of third-party banks - no later than the business day following the day the funds are received by the bank.
Can I transfer money from a Sberbank credit card?
Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - your own or any other client.
Please note that a commission is charged for a transfer from a credit card in accordance with the Bank's tariffs, including when transferring your own funds. ...
How to increase the credit limit on the card?
The decision to increase the credit limit is made by the bank. If you actively use the card, the bank may decide to increase the amount of the credit limit. If you have not used a credit card for a long time or have used inactively, the bank may offer the client to reduce the limit on the credit card. Such offers usually come via SMS.