Premium Visa Signature and MasterCard World Black Edition cards from Sberbank. Platinum MasterCard plastic card
The black Sberbank card elegantly complements the purse and other accessories of its owner. Its maintenance costs an order of magnitude more expensive than classic and gold products.
Such plastic opens up additional possibilities.
Who is this product for? For everyone who pays by card monthly from 3600 rubles in supermarkets and the same amount at gas stations.
Cashback from the indicated amounts fully covers the cost of annual maintenance. Anything over that is a net profit.
Let's figure out how customers can get the most out of a black credit card. What exactly makes it premium?
Map class description
All Sberbank plastic can be divided into 3 types:
- standard;
- gold;
- premium.
There are 3 levels in the premium segment:
- Platinum;
- Signature/World Black Edition;
- Infinite/World Elite.
From the side of the bank, the differences in servicing Platinum and Signature / Black Edition are minimal. The fundamental difference is that platinum cards belong to debit cards, while the latter belong to credit cards.
However, payment systems offer holders of such credit cards a number of additional features comparable to the elite level:
Platinum | Signature/Black Edition | Infinite/World Elite | |
---|---|---|---|
Cost of annual maintenance, rub. | 4900 | 30000 / 70000 | |
Cash withdrawal limits | daily, monthly | The only limitation is 30 million rubles. per month. | |
Operations commissions | Charged | Tariffs are practically non-existent. | |
A package of services within which plastic is issued free of charge | Premier | First | |
Cash deposit | Maximum 10 million rubles. per month. | There is no limit. | |
Plastic lending | Not | Credit limit up to 3 million rubles. | Overdraft up to 70 million rubles. |
Cash withdrawal from an ATM | Is free | 3-4%, minimum 390 rubles. | Is free |
Increased cashback | Is always | With card expenses over 150 thousand rubles. in the previous month | |
gas station, taxi | 10% | - | |
Cafes and restaurants | 5% | 10% | |
Supermarkets | 1,5% | 5% | |
Privileges for travelers | Discounts at airports (baggage packing, car rental, etc.) | In addition to the benefits of a platinum card, MasterCard provides access to airport business lounges (not available everywhere); on the part of Visa - extended insurance for those traveling abroad. |
|
concierge service | Not included | Visa has |
Sberbank offers Visa Signature and MasterCard Black Edition cardholders the same service:
- non-cash payment in stores in all countries;
- payment of utility bills, taxes, fines, cellular communications and others;
- cash withdrawal from an ATM with a commission;
- accrual of increased cashback Thank you;
- remote access to accounts.
The difference between the two products is Everyday life hardly noticeable, but it is there. Especially noticeable when traveling.
Visa Signature
The payment system for its Signature holders provides the following features:
- round-the-clock technical support in all countries, including emergency production and delivery of plastic in case of loss or damage;
- medical assistance, information support abroad;
- doubling the warranty period for goods purchased under the Visa, provided that they cost more than 50 US dollars and have a manufacturer's warranty of 1 year;
- extended risk insurance when traveling abroad;
- round-the-clock concierge, who, at the request of the client, books tickets, tables in restaurants and other services;
- free admission to cultural events, the entrance to which is available only to holders of award visas;
- discounts and other privileges on goods and services of numerous Visa partners, including shops, entertainment venues, hotels, transport services.
The Visa Signature card of Sberbank is especially popular with travelers because of its insurance. The annual maintenance of plastic has a comparable cost to a policy of a similar level.
Aeroflot
For those who travel frequently, co-branding is beneficial. It is available in both credit and debit versions.
Compare them with normal status card Sberbank:
Name | Signature Aeroflot | Signature | |
---|---|---|---|
Debit | Credit | ||
Maintenance cost per year, rub. | 12000 | 4900 | |
Additional Visa, rub./year | 2500 | Not issued | |
Currency | Ruble, US dollar, euro | Ruble | |
Daily cash withdrawal limit, rub. | 500 thousand | 300 thousand | |
Cashback | Only miles that are spent at special internal rates for goods and services of Aeroflot and its partners. | "Thank you", the exchange rate of which is equal to the ruble, is accepted by partners of Sberbank |
Co-branded cards offer holders the following services:
- cashless payment;
- cash withdrawal from an ATM (from a credit card with a commission);
- Visa privileges (medical assistance, insurance abroad, concierge, partner discounts, double guarantee, creative weekends);
- favorable accrual of cashback by the carrier.
Aeroflot premium Visas earn 2 miles for every 60 rubles spent when paying with plastic.
An example for clarity:
A one-way ticket Moscow - Vienna, when purchased 2 weeks in advance, costs 12,500 miles, fees of approximately 3,800 rubles are additionally paid. The same ticket when paid in cash costs 13103 rubles. 437 miles will be credited for the purchase (13103/60*2=436.77). If a passenger pays the same amount with a non-co-branded premium card connected to Thank you bonuses, he will receive 0.5% cashback = 65.5 rubles. for the same ticket.
There is no conversion rate for miles into rubles, but the example is clear, and conclusions can be drawn from it:
- the ticket price minus fees is approximately 9300 rubles. (13103-3800=9303);
- 1 ruble corresponds to less than 1.5 miles (12500/9300=1.34);
- mileage bonuses are significantly higher than Thank you points (437 miles / 1.34 miles = 326 rubles, which is almost 5 times more than 65.5 rubles that would have been awarded under the Thank you program).
Aeroflot cashback is highly attractive for regular passengers. At the same time, it has specific liquidity; it can only be spent on goods and services closely related to air travel and tourism. There are some restrictions, for example, for round-trip flights.
MasterCard World Black Edition
The international MasterCard system provides its premium customers with waiting for international flights in comfortable lounges. However, they are not available at all airports. In Russia, such a hall is so far only in the terminal E of Sheremetyevo. For MasterCard holders world black Edition of Sberbank other payment system services are also available:
- technical support 24/7 all over the world;
- incentives in the form of discounts on purchases in stores, cafes, entertainment establishments;
- attractive cashback from MasterCard Rewards, which favorable exchange rate exchanged for certificates of chain stores, as well as for exclusive products presented on the program website.
Debit
MasterCard World Black Edition and Visa Signatures are issued by Sberbank only in the form of credit cards. A brief description of alternatives among debit cards:
- Visa Signature Aeroflot - maintenance of 12 thousand rubles annually;
Favorable cashback for frequent flyers;
- unjustified costs for rarely traveling;
- Platinum Visa and MasterCard - the cost of maintenance is the same 4900 rubles per year;
Plastic allows you to withdraw cash from an ATM without a commission up to 500 thousand rubles. per day;
- fewer privileges from payment systems;
- Infinite Visa and MC WorldElite - a fee of 30 or 70 thousand every year;
No commissions, the only limit is cash withdrawals of 30 million rubles. per month;
+ maximum cashback Thank you;
+ the maximum level of privileges from Visa, MasterCard;
— guaranteed profitability of plastic with non-cash payments from 150 thousand rubles. per month.
Credit
Black credit cards in Sberbank are issued at individual offer for existing clients with a positive history, as well as for mass - for those who applied for the first time.
The main difference concerns the size of the interest rate on the loan. For a pre-approved card, it is 21.9% per annum, for common grounds – 25,9%.
The credit limit is considered individually, maximum size is 3 million rubles. However, ceteris paribus, current customers receive an offer with a higher amount.
Terms
Let's summarize the above:
- service 4900 rubles per year;
- validity period 3 years;
- credit limit within 3 million rubles;
- loan rate of 21.9% for a pre-approved offer, 25.9% for a bulk offer;
- forfeit in case of delay 36% per annum;
- commission for cashing out at an ATM 3-4%, not less than 390 rubles;
- increased cashback (10% gas stations, taxis; 5% restaurants; 1.5% supermarkets);
- privileges from MC and Visa, comparable to high-end products.
Maintenance cost
With self-design, the product costs 4900 rubles per year. The card is provided free of charge as part of the Premier package. In this case, she retains all the conditions except for receiving increased bonuses Thank you. They are accrued only when making paid transactions in the previous month in the amount of 80 thousand rubles. If the amount has not been reached, the amount of points corresponds to the offer for standard plastic.
Sberbank Premier is a range of services within which privileged clients receive:
- +0.8% to deposit rates from 1 million rubles;
- favorable exchange rate;
- discount for safe storage;
- Priority Pass, giving access to a network of VIP lounges at airports;
- extended family insurance when traveling abroad;
- remote consultations of doctors from leading clinics in the world;
- increased level of service in the bank;
- filling out 3-personal income tax.
The service package has a cost:
- 2500 rubles per month on a general basis;
- free trial period 2 months;
- free of charge if the total balance on all customer accounts with Sberbank at the end of the month is from 2.5 million rubles.
Cash withdrawal limit
The maximum available for cashing out is 300 thousand rubles. per day. Within this amount, you can receive up to:
- 100 thousand at Sberbank ATMs;
- 300 thousand in his box office;
- 300 thousand at cash desks and ATMs of third-party banks.
To withdraw cash from a credit card, you must pay a commission, 3% in Sberbank, 4% in other organizations, at least 390 rubles.
Bonuses and discounts
Sberbank calls Signature and World Black cards with big bonuses. Their holders receive increased points:
- at gas stations and taxis Yandex, Gett - 10%;
- in a cafe - 5%;
- in supermarkets - 1.5%.
In addition, stores participating in the Thank You program accrue up to 30% bonuses. For any purchases, cashback is not less than 0.5%.
Payment systems have their own partners.
- Visa offers discounts and privileges for travelers: hotels, outlets, tourist trips.
- MasterCard holders save money in cinemas, shops, cafes. And also the system allows you to connect a profitable cashback, which is exchanged for certificates of popular chain stores.
The lists of partners and promotions change frequently. Check out the latest information on the websites of the bank and payment systems.
How to get a
Clients with incomes significantly above average and a positive history in Sberbank receive a pre-approved offer at the initiative of the bank. Information is provided through personal online account, SMS or when visiting the bank.
To receive plastic, consent is required, which can be expressed through a click in the Internet bank, a response SMS, a personal visit. It will be possible to pick up the finished plastic on the appointed day by presenting a passport.
On your own initiative, you can leave an application at the branch or on the website by clicking on the “Issue a card” button on the product page. Then follow the instructions of the system. The algorithm will differ depending on whether you receive a salary through Sberbank, whether you have a mobile and Internet bank connected. You may need to visit the office in person with proof of income.
The bank will inform you via SMS about the issue decision. If it is positive, you will be informed of the estimated date of receipt. Later, you will receive an SMS notification of readiness for issuance.
Pros and cons of the card
The undeniable advantages are:
- increased bonuses Thank you;
- elite privileges from Visa and MasterCard;
- the interest rate on the loan is lower than that of gold and standard offers;
- high credit limit.
The disadvantages include points related to cost:
- significantly more expensive than gold cards;
- if you pay with plastic only in supermarkets, its profitability starts from a monthly turnover of 27,500 rubles;
- when paying exclusively for shopping without supermarkets and restaurants, this amount increases to 82 thousand.
Conclusion
MasterCard World Black Edition and Signature Visa from Sberbank are one of the most attractive offers for those who spend about 1,000 rubles a week on gasoline. The product can be called an economical version of elite products. The holder has access to the privileges of Visa Infinity and World Elite MasterCard at the price of platinum cards.
Plastic cards are no longer just a payment instrument. There are certain categories of plastic that provide a plethora of options for its holder. One of these is MasterCard Gold. These are high-level bank cards designed for wealthy clients, as a rule, they are distinguished by a high limit on expenditure operations, as well as bonuses, discounts and other privileges. However, let's take a look at all the advantages of the Mastercard Gold card in order.
About the payment system
The Mastercard payment system is known almost all over the world. Over the years, it has served over 20,000 credit organizations. Currently, the payment system offers several types of plastic cards of different levels. The choice of a card depends on its intended use and a set of additional features. MasterCard Gold cards are premium class plastic that can emphasize the high status of its owner and provide him with some advantages:
- Pay for purchases around the world.
- Automatic conversion to any currency.
- 24/7 customer support via hotline number.
- High level of money protection.
But such plastic, positive from all sides, is not deprived of its shortcomings. The main one is the high cost of maintenance. In fact, in many countries, including the United States and the European Union, it is simply impossible to get Golden plastic, regardless of whether there is a credit limit or not, the client must first provide a document confirming a high level of income, only then he will receive a golden card. In Russia, in order to become the owner of a MasterCard gold card, it is not necessary to confirm a high income with the help of documents, since this banking product is available to absolutely everyone.
Please note that in order to receive a gold card with a credit limit, a certificate of 2 personal income tax is a prerequisite.
But if you pay attention to all the privileges of Mastercard Gold, then you can really understand that it is simply necessary for a successful and wealthy person. Indeed, while traveling, she provides maximum support in the form of discounts and bonuses for paying bills in cafes and restaurants, hotels and airlines. Among other things, gold plastic is business card rich man, at least it always has been.
Benefits of MasterCard Gold
In fact, the Mastercard gold card has several benefits for its holders. If we are talking about a credit card, then MasterCard Gold is different increased limit, if by classic credit card maximum amount a loan can reach 100-150 thousand rubles, then the limit on a gold card is up to 700,000 rubles or more. And here are the holders debit card receive another nice bonus in the form of cashback or interest on the balance. True, such privileges are provided not by the payment system, but by the issuing bank. Consider the privileges that the card provides:
- maximum customer support abroad;
- receiving cash around the world in any currency;
- free insurance (depending on the conditions of the bank);
- concierge service (provided by the bank);
- premium service to a bank branch and a dedicated telephone line;
- discounts when paying for tickets at the hotel and cars;
- the opportunity to participate in promotions and bonus programs;
- consultation on legal and medical topics (the service is provided by the bank).
As you can see, the majority of services for privileged clients are provided directly by the financial institution. Therefore, if you want to arrange for yourself golden card Mastercard, then you need to carefully study the market financial services in Russia to choose the most advantageous offer.
Where to apply for a card
The financial services market in Russia is full of various offers. You can get a MasterCard Gold card in almost every commercial bank. After all, the main advantages of a plastic card will depend on the right choice. First of all, you need to pay attention to some important details:
- Annual maintenance cost. Many banks (for example, Russian Standard, Alfa Bank) do not charge a fee when storing a certain amount of funds on the account, such an offer will be beneficial for you if you plan to actively use plastic.
- Credit limit and limits on debit transactions and cash withdrawals.
- Possibility to use additional services bank in the form of a personal manager, premium service in the bank office, a separate telephone line.
- Free insurance program when leaving your country.
- Bonus programs.
Thus, the choice of plastic cards depends on many circumstances, including banking service for example, Sberbank offers a gold card worth from 3,000 rubles with a credit limit of up to 600,000 rubles. Among other things, Sberbank customers have the opportunity to participate in the bonus program Thank you. Of all the privileges, the bank only offers emergency cash withdrawal when the card is lost abroad. A wide choice of plastic cards is offered by Russian Standard banks, Tinkoff bank, Alfa-bank and others.
To summarize, gold plastic card billing code MasterCard systems- convenient, safe and profitable plastic for wealthy customers. It should be noted that it will be more useful for those who often travel abroad, because the main privileges and bonuses are designed specifically for travelers. In other options, it is wiser to issue classic plastic, which also meets all safety requirements, but is much cheaper.
bank card Platinum MasterCard belongs to the elite category and is aimed at people with high financial possibilities. Its main advantages are individual service through a personal manager, an increased number of points for bonus programs, insurance policies for travelers when traveling abroad and special offers from the MasterCard payment system for premium customers.
Product Features
MasterCard plastic cards of the Platinum category are payment instruments that emphasize the wealth of their holders. Such clients are served not in a common operating room, but in specially designated comfortable rooms in a relaxed atmosphere and via a dedicated line when contacting the bank's contact center by phone. The user's personal call manager can perform such operations as transfers between accounts, currency exchange, connecting plastic to another current account, cash delivery, and some others, depending on the bank.
Exclusive service, personal manager and other privileges - the pleasure is not cheap. The annual maintenance of a platinum card will cost its owner 8-10 thousand rubles a year. For free service, the conditions of the bank for non-cash payments are met on a monthly basis or minimum balance funds in the account. For example, to use Alfa-Bank's MasterCard platinum card for free, you need to spend at least 50,000 rubles on it and have an average monthly balance of at least 1,000,000 rubles. If the amount of monthly expenses is insufficient to exempt from the annual fee, it is necessary to keep at least 3,000,000 rubles in the account.
MasterCard privileges in Russia
The privileges of Platinum MasterCard in Russia, in addition to exclusive banking services, allow on preferential terms:
- book hotel rooms while traveling around the country;
- use insurance and legal services partner banks;
- receive high percent on savings accounts;
- use a high credit limit at reduced rates;
- order the transportation of valuables or cash under the protection of collectors;
- attend concerts, sporting events or any private events in Moscow under the Priceless Cities program from MasterCard.
Possibilities of a payment instrument abroad
The MasterCard Platinum bank card opens up wide opportunities for the user when traveling abroad due to bonus programs and other privileges:
- A platinum card with miles for travelers, included in the bonus program of Aeroflot or other airlines, allows you to receive more points from plastic purchases. Using them to purchase airline tickets, book hotel rooms or rent a car will help save money.
- Free or preferential insurance for travelers from partner banks will allow you to receive timely qualified medical or legal assistance in a foreign country and avoid many troubles.
- The MasterCard Platinum payment instrument is an opportunity to favorable conditions become a member of the Priority Pass club and get free access to business lounges at airports with heavy use of plastic to pay for goods and services. You are expected:
- comfortable rooms with free drinks and snacks;
- Wi-Fi network for Internet access and points for charging mobile devices;
- conference rooms for negotiations with partners;
- SPA-salons and services of masseurs.
- In case of loss or theft of a bank card in a foreign country, a special MasterCard Global Service will help out, which will help you get cash in an emergency cash, as well as organize the urgent release and issuance of a new payment instrument.
- Some banks connect their "platinum" clients to the services of the international organization International SOS, which provides medical care in the most unfavorable countries of the world - where it is not available or its quality is low. Employees of the company offer users services such as outpatient doctor's appointments, hospitalization, medical examination or evacuation.
Registration
In order to become the owner of a MasterCard Platinum debit card, you need to contact the bank office with a passport or fill out an online application on the website of the financial institution. Plastic can be delivered via courier - but only in Moscow and some others major metropolitan areas. Credit platinum card in many cases, it is issued only on a personal proposal financial institution regular customers.
Issuers of MasterCard payment instruments in Russia
You can get a MasterCard international payment system card in Russia using one of the MasterCards. Special offers and privileges provided by the IPU for "platinum" customers are the same in all cases. But the conditions of banks usually differ in the following parameters:
- cost of issue and annual maintenance;
- conditions for free account maintenance;
- availability of CashBack or bonus programs that allow you to exchange points for tickets or pay for a hotel room;
- conditions for free use of Priority Pass privileges;
- credit limit;
- conditions for using the payment instrument in third-party financial institutions.
Advantages and disadvantages
The benefits of MasterCard Platinum, of course, open access to many top-level services and privileges. However, when making payments, plastic operates in the same way as its classical counterparts. Therefore, precautions for use bank cards are the same for everyone, and the owner of a platinum category payment instrument cannot be sure that he is better protected from scammers than the rest.
VISA or MasterCard: Video
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If you have any questions about the conditions for granting privileges, you can contact the support service
Credit cards from the "Premium" category are a payment instrument that provides the owner with special privileges: a large credit limit, free service, an interesting bonus program, etc. Almost all Russian banks offer regular customers who have confirmed their solvency such premium cards.
Premium MasterCard cards of different banks in Moscow
Regular visitors to the CreditZnatok website already know that on it you can not only find a banking organization or an MFI to get a loan online. Here you can choose any credit instrument, including a plastic card of the MasterCard system.
A filter with sorting by categories “free service”, “with delivery”, “without confirmation of income”, etc. will help you choose the right one. Now the assortment of MasterCard premium cards is offered by such banking organizations Moscow:
- NOKSSbank: MasterCard "Credit" Gold with a limit of up to 500 thousand rubles;
- YAR-Bank: Platinum card"Profitable" for 1 million rubles;
- Citibank: Premier credit card with a limit of up to 600 thousand, etc.
Benefits for the Premium Cardholder
Any MasterCard premium card gives its owner a solid limit, which can reach up to 1.5-2 million rubles. It comes with services such as bonus program, home delivery of the ordered banking product, an impressive grace period, etc. The list of privileges is presented in the description of each card.
To obtain credit card MasterCard, the applicant must be of legal age (21 years of age or older). No documents other than his own passport are required from him. All information is checked online for 3 days. You can order the product you like on the website of the bank that issues it. Follow the link, read all the terms and conditions and proceed to registration.