MasterCard Gold plastic card: service, advantages and disadvantages. MasterCard Gold plastic card: service, advantages and disadvantages TTS discount card
Leave a pleasant shopping experience at TransTechService dealerships. Combine business with pleasure by becoming a member of the TTS Club!
“TTS Club” is for those who love benefits and appreciate quality!
Do you want every purchase you make to be profitable? Then this offer is for you!
The TransTechService company is opening new service advantages and invites you to become a member of the TTS Club in order to benefit from purchases and services in our car dealerships and service centers in the future.
“TTS Club” is a bonus program under which a client of the TransTechService company can receive a special plastic card and enjoy bonuses and privileges.
How to become a member of the TTS Club?
The bonus program allows you to accumulate points awarded for purchases or services at TransTechService dealer centers, and then turn them into discounts on your future purchases.
According to the terms of the program, 1 POINT = 1 RUBLE!
Find out the detailed conditions for participation in the TTS Club program
Conditions for participation in the TTS Club program.
1. Terms and definitions used in the terms and conditions of the TTS Club bonus program.
Participant (client) of the TTS Club bonus program- an individual, a client of the company who purchased a car or is a regular customer of the service* (see table 1) and who received a club card.
Bonus- a conventional unit provided by the TransTechService dealership to a program participant in accordance with the terms of the Program and giving the Participant the right to receive privileges for the services and work provided.
Accumulation system- this is a program aimed at promoting goods/works/services, based on the accrual of bonuses/privileges for purchases of goods/works/services, which in turn can be provided or credited for subsequent requests or purchases of goods/works/services at the company’s dealerships TransTechService.
Privilege– these are the benefits provided to the program participant.
Map is a unique identifier for a club member.
"TTS Club" is a bonus loyalty program that provides clients of TRANSTECHSERVICE dealership centers with special conditions (bonuses) according to the regulated rules described below.
Bonuses can be obtained by having a special plastic card- participant identification tool "TTS Club", on the basis of which the club member is granted privileges in accordance with the rules. The club membership card can be obtained at any dealership of the company.
2. Conditions for receiving and using TTS Club bonus cards.2.1. Bonus a TTS Club card is issued to each new Client(to an individual) at his request free of charge in one of the following cases:
Purchasing a car,
Purchases on the service in volumes sufficient to obtain the first level (see table 1),
When carrying out appropriate marketing campaigns.
2.2. A TTS Club bonus card is issued only when you fill out a special questionnaire indicating the client’s personal data;
2.3. Bonus points are credited to the card 7 days after the purchase, then the client receives the right to use bonus points when paying for subsequent purchases;
2.4. Since the launch of the bonus program, the TTS CLUB group of companies has been accepting 1 point = 1 rub.;
2.5. The TTS Club bonus card is valid for the purchase of services and spare parts included in the purchase order for cash, as well as using terminal credit cards and for non-cash payments at any TRANSTECHSERVICE dealer center. The bonus program does not apply to the purchase of car tires, to free maintenance, to the purchase of goods without installation, as well as to services participating in other marketing promotions and to discounted goods.
2.7. Discounts provided on the bonus card are determined by TransTechService, depend on the level of the card and can be changed by decision of the management company LLC Management Company "TRANSTECHSERVICE";
2.8. The bonus card is valid from the next day from the date of issue and is valid indefinitely. The card can be canceled if it is lost and a new card is issued to the client. If a carat is lost or a new one is issued, bonus savings are retained.
If the client has not carried out a single transaction within one year (purchasing cars or servicing a car), the accumulated bonuses on the card will expire.
2.9. The bonus card has its own unique number. Only 1 TTS CLUB bonus card can be issued per client.
2.11. Points accumulated on a bonus card can be taken into account when paying the bill (i.e., an additional discount is provided for the amount of accumulated bonuses on a purchased car or on a car repair order, minus promotional goods and services, and other marketing promotions).
2.12. Bonus points cannot be exchanged for money. When returning goods from a receipt paid with both money and bonus points, the used bonus points will not be returned. If points were awarded upon purchase, they will not be debited upon return.
2.13. Bonus points from different cards are not combined;
2.14. In the TTS Club bonus program, card levels are determined according to Table 1
Table 1
Category acquisition criterion |
||
---|---|---|
Level 1 |
Silver Club |
Purchase of any vehicle in the TTS. Purchase of goods and services on the service in the amount of more than 100 thousand rubles. in 3 years. |
Level 2 |
Golden Club |
Purchase of a car/s in the amount of 2 million rubles over a period of 5 years. If in 5 years there have been no vehicle purchases worth more than 2 million rubles. , then the 1st level is returned. |
Level 3 |
Platinum Club |
Purchase of a car/s in the amount of 5 million rubles over a period of 5 years. If for 5 years there have been no car purchases worth more than 5 million rubles, then the 2nd level (if there were purchases for an amount up to 2 million rubles) or the 1st level (if there were purchases for an amount less than 2 million rubles). |
2.15. Bonuses are accrued and used according to the following conditions in Table 2
table 2
2.16. Legal entities and government organizations do not participate in the bonus program;
2.17. The bonus card is registered in the name of the client and applies to all cars registered to the card owner. The card can be transferred to a third party, but the use of accumulated bonuses is only possible when servicing a car registered to the owner of the bonus card and confirming the compliance of the owner of the car and the owner of the bonus card. When servicing a car that is not registered to the cardholder, the accumulated points cannot be taken into account when paying, but bonus points are added to the card.
2.18. The TTS Club bonus card is valid for cars owned by the card holder.
2.19. In case of transfer of the card to third parties, the participant of the TTS Club bonus program bears responsibility for unfair use of bonuses;
2.20. If a TTS Club bonus card is stolen, the client is obliged to notify the customer service manager at any of the TRANSTECHSERVICE dealer centers. After notification, the card will be blocked, the remaining points will be transferred to a new card, subject to confirmation of consent to the use of personal data;
2.21. If lost or damaged, a new card is issued with a new number and the balance of accumulated points is transferred from the old card;
2.22. The TRANSTECHSERVICE group of companies, at its discretion, determines the dealership centers participating in the program;
2.23. The card is universal and can be used at TTS Club dealerships participating in the program;
2.24 The conditions for providing discounts are subject to change without special notice; additional information on the use of TTS CLUB bonus cards can be obtained from company employees. The terms of the program with changes are published on the website www.tts.ru, 1 day before the date of their entry into force;
2.25. The bonus card is protected from counterfeiting, the authenticity of the card is checked before payment or invoice is issued;
2.26. The bonus card is the property of the TRANSTECHSERVICE group of companies;
2.27. The TRANSTECHSERVICE group of companies has the right to unilaterally block your card and account with the sending of an appropriate notification of the fact of blocking, if the TRANSTECHSERVICE group of companies has reasonable grounds to believe that your card is being unfairly used by someone other than you without your consent. The TRANSTECHSERVICE group of companies is not responsible for damage caused as a result of unauthorized use of the member card;
2.32. The TRANSTECHSERVICE company, at its discretion, may in the future introduce restrictions on the list of goods and services for which bonuses are not awarded, or enter a list of goods and services that cannot be partially paid using accumulated bonuses;
2.33. You can obtain information about the status of the bonus account on the TTS Club card from company employees at TRANSTECHSERVICE dealer centers participating in the program;
2.34. Ignorance of these rules is not a basis for any claims from bonus card owners. The company is not responsible for direct or indirect losses associated with their use. The company guarantees the confidentiality of personal data obtained when using cards in accordance with Federal Law dated July 27, 2006 N 152-FZ (as amended on June 4, 2014) “On Personal Data” (July 27, 2006)
2.35. Bonus points are awarded for service maintenance and the purchase of spare parts only for commercial types of repairs;
2.36. Bonus points are not awarded for insurance or warranty repairs.
2.37. Bonuses are accrued on a customer's work order only if they purchase services, or services and related spare parts. When the client provides his spare parts for the corresponding work order, bonuses are not awarded.
MasterCard Gold are prestigious premium gold cards that open up a lot of opportunities for their owners. This is excellent service and ease of use, no matter where in the world the owner is located. MasterCard Gold provides holders with many pleasant bonuses in the form of discounts, an increased withdrawal limit and high-quality service in restaurants and hotels around the world. It’s easy to get a gold card at any bank in the country. Let's consider the conditions for obtaining it and the features of use.
About MasterCard and premium cards
MasterCard is an international payment system that is popular all over the world. There are several types of cards that have their own characteristics and are suitable for specific purposes and users. They differ in the cost of annual service, service package and withdrawal limit. Regardless of what type of card the user chooses, with MasterCard he receives many advantages:
- you can pay for purchases in 210 countries;
- 24/7 support service is always ready to help;
- convenience of using non-cash money in any currency;
- high level of security for storing funds on a card account;
- long service life of the card - from 2 years with further re-issuance if necessary.
Each of the payment systems has a series of gold or platinum cards. In Europe and the USA, their owners are wealthy and successful people, since registration is carried out only with confirmation of a sufficient level of income. Servicing the card really costs a pretty penny, but at the same time, services are provided that will come in handy for a businessman. In Russia, any citizen can apply for a debit MasterCard Gold card. Sometimes they buy this not only for work or travel, but also to emphasize their status. Any premium card is a kind of part of the image of a successful person.
What is so attractive about “gold” credit cards? A Gold type product of any payment system guarantees high quality service and maximum useful services. The user will enjoy pleasant bonuses and discounts, participation in discount programs, an increased limit on withdrawals, and free medical insurance in foreign countries. In each bank, the premium card holder will be a privileged client.
Types of plastic cards
There are many payment systems, as well as the products they offer, but the main difference between them is the type of bank card: debit, credit or overdraft. Let's consider each of them separately.
Allows the owner to manage funds stored in a bank account linked to it. Money can be transferred to it by third parties or the holder himself. For example, most organizations transfer salaries to a bank account. The employee issues a debit card, with which he receives payment. The service fee is charged once a year. Its size depends on the type of card and the issuing bank. An adult citizen can apply for a card upon presentation of a passport. In this case, it is possible to link an existing bank account to it or create a new one. The owner can manage the funds on the day of submitting an application to open an account/issuance of a card. And receiving the latter takes about a week or two.
A credit card allows you to use bank funds by borrowing under certain conditions. Only borrowed money can be stored on it. Getting a credit card is a little more difficult than getting a debit card. To do this, it is necessary to confirm the applicant’s solvency by providing relevant certificates (about income, from place of work, about pension contributions). This is a very convenient way of lending: you don’t have to constantly run to the bank and wait for a contract to be drawn up for a particular purchase. Having issued it once, you can use the funds until the limit expires.
There is also a combined plastic card with an overdraft, which in Russian banking practice is also called a credit card. However, it is debit, but with the possibility of using borrowed funds. Initially, the user’s money is stored on the card. If the holder does not have enough funds when making a purchase, the missing amount will be automatically withdrawn from the bank account. Overdraft has a limit.
The MasterCard Gold card can be issued in any of the mentioned types. Moreover, the limit on cash withdrawals and the use of loans is much higher for it than for other banking products (Maestro, Standard).
MasterCard Products
To truly appreciate the offers on the MasterCard Gold card, you should familiarize yourself with other products of the payment system. Among them are common:
- Maestro, Electronic - the simplest cards, cheap to maintain (150-300 rubles). At the same time, the owner's name and surname are written, but not embossed on the plastic. This card can be used to make any payments, except for online transactions. They are often intended for beginners.
- Standard is one of the most common MasterCard cards. This is the optimal combination of services provided and cost of service. Available in both debit and credit. Internet payments, a system of bonuses and discounts are provided.
- World is a godsend for avid travelers. A special service program provides an insurance system, bonuses and discounts when paying for various services.
- World Black Edition - provides a special level of comfort. Access to a closed travel club is provided, which will help organize a trip to any country. Concierge service available.
Thus, MasterCard Gold is a cross between standard and high-quality cards.
MasterCard Gold: benefits
With MasterCard Gold, the user receives many privileges. For example, the credit limit can be more than 300,000 rubles. with a grace period (use of the amount without interest) of 50 days. The annual interest rate has also been reduced. For gold card holders it is 23%. The monthly payment when repaying a loan on a Gold credit card will be 5% of the total amount.
When using a debit card, the holder also receives pleasant bonuses. Interest is charged for storing funds. It is also worth mentioning that the “gold” MasterCard card has a high degree of protection. It supports the 3D Secure system, which ensures the security of online payments. If the card is lost, it is blocked, and the account holder has the right to receive his funds through the “emergency money” service.
In addition, the “gold” MasterCard card has the following advantages:
- the ability to pay for services and goods around the world;
- cash withdrawal from ATMs of any country in the required currency;
- medical insurance;
- discounts and bonuses when paying for purchases, booking hotels;
- favorable conditions when renting a car.
You can apply for a card at one of the country's banks. The conditions for obtaining and using it may vary slightly.
"Gold" cards of Sberbank
Many citizens trust Sberbank of Russia to store their money. The financial institution, in turn, offers clients participation in bonus programs and discounts, and also provides ease of service. The bank issues gold cards such as Visa Gold, Gold MasterCard. Conditions for obtaining: age from 18 to 70 years, presence of a passport and registration. It is possible to open an additional card for a child over 7 years of age.
MasterCard Gold is issued by Sberbank on the following conditions:
- annual maintenance cost - 3000 rubles;
- daily withdrawal limit - 300,000 rubles, €9,000, $12,000;
- credit limit 15-600 thousand rubles. with an annual rate of 17.9-23%;
- grace period up to 50 days;
- Card validity - 3 years;
- commission for withdrawals from Sberbank ATMs - 3%, others - 4%;
- fine for loss of card - 3000 rubles.
In addition, the user will receive bonuses and discounts under the MasterCard+ and “Spasibo” programs from Sberbank. Service amenities include Mobile Bank and Sberbank Online, the ability to pay for housing and communal services and create auto payments, and link to electronic wallets.
"Golden" MasterCard in other banks
In Russia there are a huge number of financial institutions that offer payment cards. Alfa Bank, for example, offers special types of insurance and an attractive interest rate on “golden” credit cards - from 17% per annum with a limit of 210,000 rubles.
VTB 24 provides the Gold card holder with a free concierge service, insurance protection for purchases and increased security for storing funds. This bank offers special conditions for credit cards: the rate is no more than 18% per annum with a limit of 600,000 rubles.
Gold cards at Russian Standard Bank
At Russian Standard Bank, in addition to the usual plastic cards of the MasterCard or Visa payment systems, you can also get American Express and Diners Club cards, which are common in the USA, Canada and some European countries. These offers will be of interest to avid travelers and businessmen who often travel abroad.
What does the bank offer to MasterCard Gold users? The card is issued with a contact chip and a magnetic stripe. The holder automatically takes part in the Discount Club program, with which you can receive a bonus of up to 30%. If Sberbank provides concierge services only to holders of a “golden” Visa card, then Golden Standard Bank provides it to all MasterCard holders. With its help, it is easy to organize a trip to any country, and the information service will suggest the nearest food establishments.
The MasterCard Gold credit card in Russian Standard has an increased limit - up to 750,000 rubles. But the annual rate is also slightly higher than in Sberbank - up to 28%.
AmEx Gold
An alternative to the MasterCard gold card is American Express Gold. The payment system is very popular in the USA and European countries. It is increasingly being purchased in Russia and the CIS countries. Citizens aged 25 to 65 can apply for it by providing a passport and an additional document at the discretion of the bank. Annual card maintenance will cost the holder 4,000 rubles.
The user is offered the following package of services:
- travel accident insurance (up to $250,000), covering the cardholder, his wife (husband) and children under 23 years of age;
- the opportunity in an emergency to receive free advice from a lawyer, doctor and other specialists;
- purchase insurance against theft and damage for 90 days ($1,000 reimbursement per incident or $50,000 per year);
- insurance for lost luggage (up to $1000), flight cancellation or delay, and other travel inconveniences (up to $250);
- participation in the Membership Rewards program;
- access to a travel agency that will support the holder around the world;
- benefits when booking a hotel;
- discounts up to 30% and special offers when making purchases and paying for services;
- free statement of the use of funds for the year;
- 24/7 free service (technical support, Mobile Banking, Internet Banking, SMS notifications.
American Express credit card holders have up to 55 days and an interest rate starting from 19.9%.
Diners Club premium card
The products of this payment system are created for travel lovers and avid restaurant patrons. Diners Club cards (DCI) provide a high level of service. A club member is a welcome guest in all prestigious establishments in the world. Among the advantages of the DCI card: a low percentage of fraudulent activities, no restrictions on a one-time transaction, privileges from the best hotels, cultural and entertainment complexes and food chains, life insurance.
You can withdraw funds from any ATM with the MasterCard Maestro (Cirrus) logo by paying a 3.9% commission (minimum 200 rubles). However, using Diners Club in Russia is inconvenient and expensive: it is easier to purchase a card from the more common payment system Visa or MasterCard. They take it with them on trips with great success, because all prestigious establishments are waiting for the holder with open arms.
With a DCI credit card you can borrow up to RUB 750,000. with an annual rate of 29%. A grace period of 55 days is provided, although it only applies to purchases.
Visa, MasterCard, AmEx or DCI?
Having examined the offers of different payment systems, it is easy to make sure that they are all interesting and beneficial to the user in their own way. In order not to make a bad choice, you should clearly define the purpose of the design. For example, premium American Express or Diners Club cards are ideal for travel. They have expanded insurance programs and privileges when issuing tickets, visiting hotels, restaurants and entertainment complexes. It is worth considering that it will be more profitable to use them in the dollar currency area.
If you plan to use the card in Russia and the CIS countries, then it is more rational to use the Visa or MasterCard systems, since almost all banks work with them. Finding the required terminal is also not difficult. Gold cards offer services for travelers, including health insurance, hotel and flight bookings. MasterCard Gold discounts reach up to 30%, and they are complemented by bonuses from the issuing bank.
“Gold” cards of the MasterCard system are an excellent option to get maximum comfort from using non-cash money. The owner will be satisfied with the favorable offers, bonus programs and constant discounts. For business and traveling with family, life and health insurance, a convenient hotel and ticket booking service, and preferential treatment in all international establishments are provided. With MasterCard Gold you can not only emphasize your status, but also make life more comfortable both at home and abroad.
1. These Rules for the promotional campaign “Beneficial trips in one touch on a Mastercard card” (hereinafter referred to as the “Rules”) establish the procedure and conditions for the participation of Mastercard card holders in the promotional campaign “Beneficial trips in one touch on a Mastercard card”.2. Individuals - holders of contactless Mastercard cards, as well as users of payment services using mobile devices with NFC technology (including Apple Pay, Android Pay, Samsung Pay) can take part in the Promotion, provided they pay with a Mastercard card linked to the service .
3. The organizer of the Promotion is TTS JSC (hereinafter referred to as the “Organizer”). The action is held on the territory of the Tyumen urban district of the Russian Federation.
4. The general period of the Promotion: from 12/01/2017 to 03/31/2018. You can become a participant in the Promotion during the period from 12/01/2017 to 03/31/2018 (hereinafter referred to as the “Promotion Period”).
5. In order to take part in the Promotion, the participant of the Promotion (hereinafter referred to as the “Promotion Participant”) must, during the Promotion Period, travel on public passenger transport routes of the Tyumen urban district, using a contactless payment method with a Mastercard bank card at the conductor’s terminal.
6. Terms and conditions of co-financing:
6.1. Each Participant of the Promotion who has fulfilled the conditions of the Promotion specified in clause 5 acquires the right to co-finance the trip by the Organizer in the amount of 5 rubles.
6.2. Co-financing is carried out by reducing by 5 rubles the amount indicated on the ticket and subject to debiting from the Promotion Participant’s bank card for travel, subject to the fulfillment of the Promotion conditions specified in clause 5
6.3. The minimum amount to be debited from the Promotion Participant’s bank card for travel, subject to co-financing of the trip by the Organizer, is 1 ruble.
7. Final provisions
7.1. By participating in the Promotion, the Promotion Participant automatically agrees with these terms and conditions of the Promotion.
7.2. The Organizer's decisions on all issues related to the Promotion will be considered final and apply to all Participants of the Promotion.
7.3. The Organizer reserves the right not to enter into written negotiations or other contacts with the Promotion Participants, except as provided for in these rules.
7.4. The Organizer is not liable to the Participant in cases where, for technical or other reasons, it is impossible to travel on public passenger transport routes of the Tyumen urban district, using a contactless payment method with a Mastercard bank card at the conductor’s terminal. / 08/11/2019
From June 1 of this year, persons in respect of whom the general education organization of the city of Tyumen has issued an administrative act on enrollment in first grade can also apply for municipal services in terms of making a decision on providing discounted travel to schoolchildren.
According to the Decree of the Tyumen City Administration dated 06/09/2014 N 90-pk (as amended on 04/15/2019) “On approval of the Administrative Regulations for the provision of municipal services for making a decision on providing preferential travel to students, schoolchildren and pensioners and on amending the resolution of the Tyumen City Administration dated 08/20/2012 N 109-pk" clause 1.2. para. 2:
From June 1 of this year, persons in respect of whom the general education organization of Tyumen has issued an administrative act on enrollment in the first grade in accordance with the Procedure for admitting citizens to study in educational programs can also apply for municipal services in terms of making a decision on providing discounted travel to schoolchildren primary general, basic general and secondary general education, approved by the federal executive body exercising the functions of developing state policy and legal regulation in the field of education.
At the same time, travel benefits on public passenger transport along municipal routes of regular transportation, intermunicipal routes of regular transportation to gardening associations within the boundaries of the municipality of the urban district of the city of Tyumen will be in effect from the beginning of the school year.
In accordance with the Decree of the Administration of Tyumen dated April 19, 2016 N 100-pk, the monthly travel limit for schoolchildren using the Shkolnik preferential transport cards is calculated from the number of two single trips per day (excluding Sundays, holidays and vacation time). Travel for schoolchildren on the basis of preferential transport cards "Schoolchild" is possible after depositing funds into the account of preferential transport cards, the minimum amount of which is determined based on the calculation of the approved carriage tariff, taking into account the benefits provided and the number of trips. If the limit for monthly trips on the Shkolnik preferential transport cards has been used, and the funds deposited into the preferential transport card account have not been used in full, they are transferred to the next month and can also be used to pay at the established freight rate .
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