Platinum cards from Raiffeisenbank: getting the best. Visa Platinum "Premium Direct" debit card of Raiffeisenbank Raiffeisen premium direct telephone

In principle, a normal bank ... or more, probably, a broker - it seems that they want to force all clients to become investors)) I just use the card, the bonuses are not bad, there is cashback - everything is like people. If it were not for the constant calls and letters with offers to "think about investing", everything would be fine ... And, the exchange rate is also good. But I don't want to be a trader, and I'm tired of persuasion.

Sergey Perlov, Moscow

Refund, ATM did not issue cash when withdrawing due to a technical malfunction

Credit Bank of Moscow

On February 13, 2019, I withdrawn cash from an ATM of PJSC MKB in the Kuntsevo Plaza shopping mall located at the address: Moscow, st. Yartsevskaya, 19 (hereinafter referred to as the ATM), in the amount of 8000.00 (Eight thousand) rubles. The ATM did not issue cash, I made a cash withdrawal operation on the statement of my current account. By phone, PJSC "MKB" was informed that an ATM with the status of a technical error, then it was transferred to ...

Vera, Moscow

Superfluous money is returned

I hasten to show off a present! My husband gave me a brand new card, WEEKEND, from the MTS Bank for the d / r. The card is not a credit card, but it is not empty either, of course, he put money there in advance. The gift turned out to be all the more pleasant because before the weekend cashback returns to it, 1% of all purchases, but after we went to a restaurant with my friends - 5%. And then they took a taxi, too, and 5% of these expenses. The cinema has not yet ...

Kira Smelyakova, Moscow

The bank has not been able to solve its mistake for almost a month

Tinkoff Bank

In principle, the service is good, I was my bank number 1 before one unpleasant situation. My card got demagnetized and I blocked it to order a new one. Naturally, before that, I transferred the money to the card to another bank, so that while the card was being made to me, I could use it. We must pay tribute to the bank, the card was made and delivered very quickly. BUT THE AMOUNT THAT I TRANSFERRED TO ANOTHER BANK FOR SOMEONE ...

Yuri Kamshitsky, Moscow

About reliability and convenience

I have been a client of the bank since the beginning of the 2000s (since Investsberbank, since 2008 - OTP). I met branches of the parent bank in completely different European countries, incl. in the post-Soviet space. I used ATMs there and paid for purchases and services with a card. During this time, I did not encounter any difficulties in interacting with the Bank, changing cards on time, making deposits (by the way, with ...

Mikhail, Moscow

Very comfortably. Thank you!

Loco-Bank

Our accountant aunt is old school and it seems she is eternal. She put us all on Mir and in the very bank where you can even breathe according to the agreed schedule. I will not describe the inconveniences and what I generally think about this card and the bank, since they require Russian literary speech. Irina, a manager from Lublinskaya, was able to defeat our accounting titan and helped knock me out the right to receive a salary ...

Alexander, Moscow

Banking traditions require the ability not only to communicate with a client, but also to create special conditions for him, individual solutions in the form of special products. In such cases, the principle of mutual benefit works - the bank makes offers to those who bring stable profits or take an active part in the turnover of funds.

RaiffeisenBank has two such service programs with enhanced service - these are two Premium class products.

Premium DIRECT

The Premium DIRECT service system is designed for an active user who is ready to travel a lot, move about business and constantly resort to various banking instruments from card loans to cash and payments.

The cost of using the Premium Direct program per month is only one and a half thousand rubles, but the conditions for the provision of services allow you to do without this fee. It is enough to be active in several directions - and the system starts working for free:

• if the balance of using the bank's products for a month is more than one million rubles;
• if you bring the balance on the use of products to 500 thousand rubles a month and carry out transactions with bank cards for 25 thousand rubles;
• if your transactions with bank cards amount to 75 thousand rubles per month.

The conditions are not very burdensome, but in return you get premium banking services in the form of:

• five types of premium cards “Visa” and “MasterCard Platinum”;
• three premium credit cards;
• mileage accumulation system for flights with Austrian Airlines;
• the ability to transfer rubles in the Raiffeisen Connect system (Internet banking) or use payment orders;
• insure yourself and your family members when traveling on preferential terms;
• enjoy 20% discounts when renting safe deposit boxes.

The bank's information center provides you with a separate channel for support with a personal manager. The telephone becomes a convenient means of constant communication with a financial advisor. When traveling, the "Concierge Premium" system becomes an assistant, which allows you to simply order and book rooms, tickets, call a taxi and solve all transport issues.

The client has the opportunity to plan his expenses and predict the financial situation using banking analytics tools - a nuance that is important for a business person. RaiffeisenBank makes additional offers and individual discounts for the provision of other services and privileges when creating deposits to premium-class clients.

Premium Banking

Premium Banking services correspond to priority pass services for privileged clients. The package is paid - its cost per month is five thousand rubles, but the bank provides the opportunity for free use. For this it is enough:

• the total balance of the use of the bank's products for one million rubles per month and purchases for 25 thousand rubles using premium cards of the Raiffeisen bank;
• maintaining a monthly balance of two million rubles per month.

An actively traveling client of the Premium Banking system receives services with the following privileges:

• the opportunity to use free of charge business and first class lounges at airports (a total of 700 facilities in a hundred countries of the world, including Moscow airports) with their companions, regardless of the ticket category;
• preferential terms under the “European Travel Insurance” system with a full range of insurance services and emergency assistance for illnesses, injuries, accidents while traveling with coverage of medical expenses;
• access to the services of the "Concierge Premium" program, which allows you to book and buy air tickets, hotel rooms, use the services of meeting at the airports, calling an interpreter and other amenities important for the traveler;
• a callback system from a bank to anywhere in the world to save money on communication with support;
• using a favorable exchange rate for currencies using R-Connect (Internet banking);
• the possibility of cash withdrawal without interest and emergency cash receipt in case of loss of the card in most countries of the world.

Even with a monthly payment of a commission for services in the amount of 5,000 rubles, these offers are the most beneficial when traveling. The reviews from RaiffeisenBank's customers using these premium packages are generally positive. The Bank responds promptly to requests and provides clear explanations on all issues.

At Raiffeisen, the Premium package is designed for customers who value their time and want to receive banking services of the appropriate level and additional privileges.

Features and benefits of Premium Direct in Raiffeisen

The cost of service within the Premium Direct in Raiffeisen is 1,500 rubles per month.

No fee is charged if one of the following conditions is met:

• The balance at the end of the reporting period on all accounts - from 1 million rubles;
• Execution of transactions with Premium cards - from 75 thousand per month;
• Incoming transactions (for salary clients) - from 300 thousand;
• Payments exceed 25 thousand per month, and the balance at the end is 0.5 million.

The Premium Direct package includes the following services and features:

• A separate Premium Line for advice and information by phone.
• Concierge service. A dedicated Raiffeisen assistant will fulfill any client's instructions, sent by phone or in person: ordering a table in a restaurant, buying tickets for events, checking in for a flight, delivering flowers, choosing a gift from a special catalog. Also, the assistant will be able to organize a trip or a festive event by phone on a separate request.
• Travel insurance, incl. for the family of the owner of Premium Direct, free of charge. The policy includes coverage of medical expenses under conditions suitable for obtaining a visa to most countries. Also includes legal assistance, travel cancellation compensation, assistance in case of loss of baggage (administrative and financial - up to $ 1,500).
• The financial consultant will develop a strategy for increasing and saving funds, assess the risks in order to be able to protect against unforeseen circumstances, identify the consequences of various financial decisions, draw up a plan to ensure maximum profitability. Financial analytics are available on the Internet bank, by phone or at the Raiffeisen office.
• Safe deposit box rental at reduced rates: -20%.
• Systematic offers on special terms for other banking products. You can get information about the current offers for Premium Direct owners by calling Raiffeisen (special line).

Get personalized service and other privileges from Raiffeisen by connecting the Premium Direct service package

Cards within the Premium package

The owner of the Premium tariff has the right to issue up to 5 debit cards and up to 3 credit cards on a free basis, which have the following advantages:

• SMS informing service is connected free of charge;
• In case of loss of plastic outside the country, Raiffeisen organizes a free emergency cash collection in any city;
• Platinum cards are issued on an urgent basis without additional payment;
• Increased restrictions on withdrawals and online transfers - up to 500 thousand rubles.

As part of the Premium package, Raiffeisen's client can issue Platinum-level debit products from Visa and MasterCard, as well as Buy & Fly Premium Rewards Mastercard. The latter card provides access to the MasterCard business lounge in Sheremetyevo and the accumulation of miles for non-cash payments, which can later be used to pay for railway, air tickets, hotel reservations or transfer orders.

Credit cards provide for the possibility of obtaining a loan of up to 1 million rubles and an interest-free repayment period of up to 50 days.

They are represented by the following types:

• Platinum Premium MasterCard or Visa;
• Visa Platinum Travel Premium: accrual of miles (increased when paying on the iGlobe.ru website), free withdrawal abroad;
• Austrian Airlines MasterCard World: Earn Miles and More.

If the holder of the Premium tariff decides to order a Raiffeisen card in excess of the agreed amount, 3000 rubles each will be charged for the issue.

Conclusion

By purchasing the Raiffeisen Premium package, the client receives several cards of the Platinum and Premium categories with free service, some of which allow them to accumulate bonuses that are beneficial for travelers. Additional privileges are also provided: a separate phone, premium service, consultant, concierge service, insurance, etc. You can also use Premium Direct's features free of charge if you comply with the conditions for maintaining a balance or making payments from a card.

Banks offer premium services to clients with large assets and turnover. Its main advantages:

• highly qualified specialists;
• maximum speed;
• "Wholesale rates";
• access to exclusive banking products;
• pleasant little things in everyday life from numerous partners of the bank.

Why is Raiffeisenbank Premium interesting? At what turnovers is cooperation beneficial?

Raiffeisen premium products

The main choice is between two proposals:

• Premium Banking - a set of services that implies close cooperation, joint investment of large amounts, which is often the main source of the client's income;
• Premium Direct - profitable placement of free funds, bonuses for maintaining balance or turnover at a level corresponding to incomes above average.

General service rules:

1. A prerequisite for using the package is the issue of a Raiffeisen bank card. A new account can be opened or an existing one can be used.
2. Each client can only have one valid package.
3. Monthly connection service is free. Further, the tariffs establish conditions under which there is no commission. They differ for packages.
4. The bank can provide discounts for services.
5. When you reconnect the same complex, the free period for the current month does not apply.

Premium banking

The product line of Raiffeisenbank Premium Banking offers the maximum range of services on the most favorable terms for clients with big money.

To get access to them, you need to order the "Premium 5" service package. Number 5 means the number of free service indicators from which the client chooses.

Conditions

Premium banking from Raiffeisenbank has flexible requirements for free. For each month, except for the first one, it is necessary to score 5 points by combining any of the offered conditions. A point is awarded for compliance with any. Their number increases commensurately with full performance in two, three or more times. Points are not split.

Conditions to choose from per month:

1. balance of accounts in Raiffeisen (balances less payments received on insurance) 500 thousand rubles;
2. balance sheet of 10 thousand conventional units in foreign currency (euro, dollar, pounds sterling, Swiss francs);
3. the amount of payments for all cards of the package is 50 thousand rubles;
4. receipt of wages 100 thousand rubles;
5. the amount of debt on customer loans in Raiffeisen RUB 3 million.

If the points are not enough, a service fee of 5 thousand rubles will be withheld at the end of the month.

Service programs

With the "Premium 5" package, clients receive:

• personal manager - a specialist who is familiar with the client's accounts, history in the bank, interests, ready to execute orders for banking operations;
• 24/7 support line;
• financial, investment advice;
• premium range of services for travelers;
• premium service halls in the bank - an opportunity to discuss issues with the manager without the presence of outsiders;
• premium concierge service - a team of specialists who are ready to solve any organizational issues within the framework of the law and ethics;
• discounts from numerous partners of the bank and payment systems around the world - just show your Raiffeisenbank card.

Financial consulting

The Central Bank entered Raiffeisen into the Unified Register of Investment Advisers. The bank's specialists are highly qualified. They are well acquainted with the realities of the Russian market and the European investment experience.

An individual approach is used for each premium client, which implies a phased work:

• finding out a comfortable risk / profitability ratio;
• development of a financial plan;
• selection of suitable financial instruments;
• timely portfolio optimization.

The financial consultant offers a comprehensive solution using different products from the following:

• deposits for different periods;
• securities and other exchange instruments;
• lending;
• risk insurance.

Premium Line 24/7

24/7 remote service is available by calling 88007005250. You can:

• get information on any banking products, including your own;
• order the amount of cash to be issued;
• instruct the execution of banking operations;
• order insurance, certificates.

Comfortable travel

The range of services includes:

• unlimited visits to the Priority Pass business lounges for the client and all his fellow travelers, however, VIP lounges may have restrictions on the number of persons for one Priority Pass;
• extended travel insurance coverage for the whole family;
• free cash withdrawal around the world, if the issuance and account currencies are different, conversion costs appear;
• favorable exchange rate in the amount of 300 thousand rubles. or 5 thousand dollars;
• emergency issue abroad without commission up to $ 5,000;
• a call back, which can be ordered by calling the customer support number 84957755221, selecting item 1 in the voice menu, hanging up.

Preferred banking products and services

Major premium products:

• free servicing of Raiffeisenbank premium cards;
• deposits in rubles at a rate of up to 6.6% per annum, in dollars up to 1.2% per annum;
• savings accounts at a rate of up to 5.5% per annum;
• 17 mutual funds;
• investment life insurance;
• trust management of assets;
• brokerage service;
• a line of insurance products with a high amount of coverage for any insured events (life, health, property, income, paid treatment in any country in the world, etc.);
• consumer loans with a rate of 10.99% per annum;
• inappropriate loans secured by real estate from 11.99%;
• individual rate on a loan for the purchase of real estate.

Service package "Premium Direct"

Service cost of the package is 1500 rubles per month. It is free if at least one of the following conditions is met:

• purchases by cards for 75 thousand rubles. and more per month;
• balance on all accounts in Raiffeisen at the end of the month from 500 thousand rubles. + payment for plastic from 25 thousand per month;
• permanent balance from 1 million rubles;
• receiving a salary to an account in Raiffeisen from 300 thousand per month.

The range of services is a "lightweight" version of Premium banking:

• financial advisor;
• 24/7 Premium Line phone support;
• insurance of risks of the client and his family while traveling;
• discounts all over the world from partners.

The following products are available in the Raiffeisenbank Premium Direct package on favorable terms:

• premium plastic;
• deposits;
• savings accounts;
• investment insurance;
• Mutual funds;
• insurance programs for various risks;
• loans.

Cards in premium packages

You can get up to 3 main cards, the number of additional cards from Raiffeisen is up to 5 for each main one. Premium banking customers have access to:

• debit, credit platinum Visa Premium;
• visa Platinum Travel Premium Rewards credit, which allows you to accumulate Travel Miles - iGlobe bonuses;
• debit MasterCard World Black Edition;
• Credit MasterCard WBE Austrian Airlines connected to the Miles & More loyalty program.

Free service with the Direct complex:

• debit, credit platinum Visa / MasterCard;
• credit MasterCard World Austrian Airlines (Miles & More);
• premium credit card Visa Platinum Travel Rewards (Travel Miles).

When packages are disabled, a commission of 10 thousand rubles / year is charged for servicing each of the listed cards.

The commission for servicing MasterCard World Buy & Fly is charged on a general basis - 299 rubles / month, but the bank often holds promotions, plastic can be obtained at a more favorable rate.

Conditions for using premium cards of Raiffeisenbank packages

Fundamental rules:

• the maximum total amount of debit transactions per day is 6 million rubles;
• daily limit on cash withdrawal RUB 500 thousand / USD 10 thousand on premium cards, 200 thousand rubles / 3 thousand dollars classic;
• maximum cash receipt per month 3 million for premium plastic, 1 million for classic;
• for salary clients, the daily cash withdrawal limit on classic cards has been increased to 300 thousand rubles / 5 thousand USD, there is no monthly limit for bonus clients;
• commission for cashing out from cards in branches 150 rubles / 5 USD per operation;
• at Raiffeisen ATMs issuance without commission;
• for residents of regions outside the Moscow and Leningrad regions, free issuance is provided at third-party ATMs, the number of transactions per month for Premium 5 is not limited, for Premium Direct - 2 times;
• replenishment of premium plastic through Raiffeisen services is always free, according to the classics, the commission is 100 rubles. for amounts up to 10 thousand rubles. through the cashier;
• transfers by card number within the bank without commission, to third-party transfers - 1.5%, at least 50 rubles / 1.5 USD;
• reissue is always free;
• courier delivery 390 rubles / 6 USD in Russia, 1000 rubles abroad.

In difference of packages?

Sometimes there is confusion about package names. The bank's website contains complexes:

• Premium banking is a set of services on favorable terms for customers who are ready to store millions in Raiffeisenbank and make money on them.
• Premium 5 - the current name of the Premium banking service package, used in tariff names, service documents.
• Premium - a package of Premium banking services, issued before 04/10/2017. Those who entered into an agreement before the specified date are serviced on the same terms, including the possibility to issue cards on the terms of this package. "Premium" tariffs are not available to newcomers.
• Premium Direct is a set of products for those who have free money in the range of 2-2.5 million rubles or the amount of monthly expenses up to 250 thousand rubles. The package allows you to profitably place funds, get loans on attractive terms. The set of privileges in many ways repeats the list of Premium banking, but it does not include by default trust management, brokerage services, unlimited visits to lounges at airports. Conditions for cashing out are preferential, but less loyal.

Pros and cons of premium service at Raiffeisenbank

Benefits:

• high reliability - in 2019 the second place in the rating of Russian banks according to Forbes;
• there are highly professional investment advisors;
• the bank belongs to the large European group Raiffeisen Bank International, the client's banking history can positively influence the decision of the group's financial institutions when dealing in Europe;
• unlimited PP.

Disadvantages:

• interest rates on traditional banking products (deposits, loans, cashback) do not look attractive against the background of offers from other banks;
• a small number of branches and ATMs in Russia as a whole;
• up to 3 basic cards in packages (more can be issued outside the package).

Review analysis

It is difficult to find reviews of satisfied customers on the Internet who would write that they entrusted the bank with 20 million, and it met expectations. The choice of a bank for large amounts is unlikely according to reviews on the forums.

Such investors keep their thoughts on the sidelines, sometimes they publish in glossy magazines. Not without their participation, Raiffeisen's assets outgrew $ 1 trillion. rubles, and the bank itself was in second place in the Forbes rating.

On the forums, there are records of clients satisfied with the result of working with the bank on mutual funds.

There are many negative reviews on the net. Most of them relate to interest rates on deposits and cashback. There are clients with experience of dealing with incompetent employees. Dissatisfaction is caused by the need to wait for a meeting with a manager when contacting a zone with a premium service, if the meeting is not scheduled in advance (however, the bank warns about the need for preliminary agreement of the time on the website in large print).

Conclusion

Raiffeisen Bank knows how to make money efficiently out of money. It attracts large clients with a set of investment tools, a century-old reputation and the fact that it is a kind of "financial window" to Europe. There are beautiful Alps, attractive real estate and cheap money. Bonuses are disproportionate to cashback or deposit rates.

Raiffeisen bank debit cards are presented in a fairly wide range of class and additional features. In addition, the institution allows you to issue a tariff package that provides more benefits, and sometimes free card service.

Classic cards in Raiffeisen Bank

In Raiffeisen, the classic debit card is available in two versions: MasterCard Standard and Visa Classic. It is allowed to open an account in any currency and use funds for transfers, payments to individuals and legal entities.

Card capabilities

Raiffeisen allows you to take advantage of discounts from its partners when paying by card, the list of which includes restaurants, shops, tours. firms and other organizations. Since the product is served by international payment systems, it is possible to pay with a card abroad or receive cash on it. In the Internet space, incl. through remote management services, you can independently conduct banking operations.

Service cost

Service for this card is 750 rubles per year. If you register additional plastic for one account, then its service will be 600 rubles. Raiffeisen offers a debit card to significantly reduce the cost of service and get additional opportunities by issuing the Optimal tariff package. Its price is 100 rubles per month, but up to three cards can be issued and used free of charge, incl. additional.

To use the tariff, one of the conditions must be met:

• Pay by card for services and goods worth over 10 thousand rubles per month;
• The average balance per month must exceed 100 thousand rubles.

Limits and rates

Limits and commissions for classic cards are within the following limits:

• Receipt and transfers, per day: up to 200 thousand rubles;
• Per month: 1 million rubles;
• Cash withdrawal from Raiffeisen ATM: no commission. Through the devices of other banks: 1% + 150 rubles;
• For depositing cash, the commission is charged only for values \u200b\u200bup to 10 thousand rubles: 100 rubles. For large amounts - free of charge;
• Transfers to cards of other institutions: 1.5%;
• For transactions abroad: 1.65%.

Gold and Platinum cards - privileges

In Raiffeisen, the Gold debit card has additional privileges, which are expressed in different moments, depending on the type.

Benefits of the Gold card

Master Card Gold Package: cash back 5% when spending at gas stations, free policy for the owner and family members when traveling abroad. Visa Gold Travel: the ability to accumulate miles (1 for every 40 rubles), which can be exchanged for railway or air tickets, car rental, hotel reservations.

Package terms Gold

Gold cards are issued upon registration of the Gold service package. Within its framework, you can request up to 5 cards of the same level. So that you don't have to pay for the service, you need to fulfill one of the conditions:

• Conduct non-cash transactions per month for 30 thousand rubles or more;
• The balance should not fall below 300 thousand rubles.

Platinum card benefits

To get even more privileges, it is permissible to apply for a Platinum debit card with Raiffeisen. It is issued when you connect to the Direct tariff package. Platinum MasterCard and Visa Platinum Premium cards are endowed with the following features:

• The limit for day transactions has been increased to 500 thousand rubles;
• SMS notifications are free;
• The opportunity to get a free travel policy for yourself and your family members;
• In case of loss of plastic outside the country, you can urgently receive cash;
• Discount for using a bank safe - 20%;
• Separate line for consultation;
• Concierge service.

Platinum card service cost

The fee for using the package is 1500 rubles per month. It is necessary to maintain a balance at the end of the month in the amount of 1 million rubles, to carry out expenditure transactions for 75 thousand rubles or to accept on the account from 300 thousand rubles per month. You can also maintain a balance at around 500 thousand rubles, but subject to monthly costs over 25 thousand rubles.

Plastic processing takes place in the department with a passport. You can order a debit card from Raiffeisen by online application only as part of the Direct (Platinum) package. The request contains only personal data and contacts. The employee contacts the client and clarifies the details of the design.

conclusions

Each type of Raiffeisen Bank's debit products will be interesting for a specific client. Thus, travelers will find the Travel card (Classic or Gold) beneficial, which allows them to accumulate and redeem miles. Frequent visitors to restaurants will like the Afisha card, which provides a 10% discount at the institutions indicated by the client. You can also always give preference to one of the standard options: Classic, Gold, Platinum, each of which has many features and privileges.