Visa signature debit cards privileges. Privilege card from VTB

Map Sber bank Visa Signature Aeroflot appeared in February 2017. The main feature of this plastic card is that it is issued for those who often fly and use the services of airlines that are members of the Sky Team Alliance.

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Visa Signature from Sberbank is a credit card, for using the limit of which bonuses are awarded in the form of Aeroflot Bonus miles, which can then be spent on:

• purchase of air tickets;
• pay for goods and services of partner companies;
• upgrade the class of service during the flight;
• take part in a charity large-scale project with the name "Miles of Mercy".

Key features and benefits of the card

Earning miles is now much easier with Visa Signature. Paying for purchases with this credit card, for every 60 rubles spent, you will receive two Aeroflot Bonus miles. Another pleasant surprise awaits everyone who opens the plastic of this sample - immediately upon receiving the card, the bank gives 1000 miles to the bonus account, which is a good start for accumulation.

Important! Miles will be accumulated provided cashless payments in retail chains and companies that are partners of Sberbank and participate in this program.

The Visa Signature premium credit card guarantees each holder access to premium services in special zones, of which there are more than 200 in Moscow alone. For its premium clients, Sberbank has allocated.

The card is equipped with an electronic security chip and contactless payments. To use, you just need to touch the credit card to the device, which has a pictogram with waves. As a sign of confirmation of a successful transaction, payment terminal will emit a characteristic signal, the device will display the inscription "Approved", and a receipt will be printed.

You can replenish the card in cash and non-cash in several convenient ways:

• through by installing on the phone;
• self-service terminals, which are in every bank branch;
• ATM;
• Sberbank Online via laptop or computer.

Track expenses with Aeroflot Visa Signature card, make Money transfers, you can replenish your card or phone account through mobile app, system or SMS bank.

Credit limit and interest for using it

Visa Signature Aeroflot is a ruble account to which credit limit in the amount of 300 thousand to 3 million rubles as part of a personal offer to Sberbank customers. The size of the credit limit is influenced by the client's income level and other factors. You can use credit funds at preferential terms up to 50 calendar days. If during this period the expenses are not reimbursed, then the amount of the debt will be charged with interest on the loan, which is 21.9% per year. It is also possible to use personal funds if you replenish your account in any convenient way.

Attention! The card has a bonus program "Thank you from Sberbank", according to which you can accumulate additional bonuses when paying with partner companies.

The main characteristics of the Aeroflot Visa Signature card are shown in the table.

Sberbank, justifying its status as the largest and most reliable bank in Russia, annually makes new offers to its customers, expanding loan portfolio and improving the level of service for borrowers. Some time ago multifunctional premium credit cards were added to the line of financial products.

This loan product is intended for a special contingent of the bank - people with high income. Credit card Visa Signature Sberbank differs from other plastic not only in the increased number of options and privileges, but also in the cost of service.

Types of Visa Signature credit cards

By developing new program lending, the main attention of the bank was directed to expanding the number of bonuses and the loan limit. When using this premium loan product, the client receives up to 10% cashback... And also a number of essential privileges.

According to experts, the Signature credit card is the most convenient for using it when traveling abroad. If this credit card is used to pay for the tour, then its owner receives automatic life insurance.

The use of premium credit cards entitles their owner to receive the status of a VIP-person. This allows you to receive many privileges, as well as become the owner of five foreign currency accounts at once (for comparison, a credit card Visa Platinum has only 3 accounts). The Premium Loan Program is focused on the use of two credit products:

1. Visa Signature (Aeroflot).
2. World MasterCard Black-Edition.

Their comparative characteristics are presented in the following table:

Premium credit cards do not change the set value annual service for the entire period of validity (it is equal to 3 years).

Privileges of Premium Credit Cards

The premium class credit card has an extended range of services. In particular, at the services of its owner:

• personal consultant manager;
• free 24/7 support line;
• a number of additional privileges ( medical insurance, insurance when leaving the Russian Federation, concierge services, large discounts from Sberbank partners).

Visa Signature credit card immediately after activation gives 1,000 miles (bonus bonuses). Subsequently, for each non-cash payment, the owner's account is credited in the amount of 2 miles, equivalent to 60 spent rubles. Received cashbacks are allowed to be spent on purchasing tickets for air travel.

Premium class credit card (Visa Signature) guarantees compensation for flight cancellation / delay (up to 600 euros).

It is also possible to get a 20% discount when paying for travel to and from the airport. Personal Area"Sberbank-Online" for holders of premium credit cards has been expanded with the functions " Mobile bank"And" Auto payment ". All holders of such plastic automatically become members of the "World of Privileges from Visa" bonus program, gaining access to large discounts and the use of various privileged offers.

Interest rates

The initial limit for a Signature credit card is 300,000 rubles, but it can be increased to 3 million (with personal proposals from Sberbank). The level of the loan depends on the income of the future borrower, some other factors are also taken into account. During the Grace Period, the consumer can freely use the loan funds without accruing interest on them.

According to the terms of crediting, unlimited credit card replenishment is allowed. Upon the expiration of the grace period, interest begins to accrue (it is equal to 21.9% per annum). But no interest is accrued on the borrower's personal money deposited on the card.

Terms of Use

Service credit card will cost the owner an annual 12,000 rubles. But it is worth remembering that Sberbank created this loan product based on the requests and needs of a person who spends a lot of time on the road. It is for this category of borrowers that the Signature credit card becomes profitable and useful.

Advantages and disadvantages of Premium Card

This product from the credit line is still quite "fresh", and very few people have yet managed to study its features fully. We can outline the following nuances that make the Visa Signature card profitable and attractive:

• fairly low annual rate;
• electronic payment service (PayPas and Visa PayWave);
• automatic insurance of funds, valid in any country;
• increased loan limit (in comparison with other credit offers);
• increased security guarantee provided by 3D-Scure technology;
• built-in privileged service that entitles you to many bonuses and benefits;
• large discounts for cashless payments in shops, hotels, restaurants and airports;
• service Priority Pass(an international program that allows its participants to get access to the VIP lounges of the largest international airports).

The Visa Signature credit line is becoming the most profitable for Sberbank customers with an average monthly income of 150,000 rubles.

Based on the feedback from people who already use this credit plastic, you can make a list of some of its disadvantages. In particular:

• quite expensive service;
• too much high percent for late payment of obligatory payments;
• the card is received directly at the Sberbank office;
• after activating the account (even if the credit card is not used), an annual service fee is charged immediately.

How to get a Premium credit card

Few manage to become the owner of such plastic. It can also be issued by those Sberbank clients who, in addition to a good income, are holders of active debit or salary cards. But in any case, this proposal will be of interest to those people who spend a lot of time traveling. To get a credit card, you will have to visit the bank office directly. But a preliminary application is allowed to be created on the Sberbank-Online service.

Signing a service agreement and obtaining a Visa Signature credit card will have to visit the Sberbank office.

To become a Premium Card holder, the customer must meet following conditions:

1. Have Russian citizenship.
2. Be registered on the territory of the Russian Federation.
3. Be between the ages of 21 and 65.
4. The seniority in the last job must be at least one year.

Sberbank can also make individual proposals for the design and receipt of this credit plastic. Information is sent to future borrowers in an SMS message. The client can also be notified by phone call or through an official letter.

Repayment methods

Under the current credit terms, the Visa Signature Premium card has monthly payment in the amount of 5% of the amount owed and payment of accrued interest. Payment can be made by transferring funds from other cards / accounts using bank terminals. The most convenient application becomes Mobile Bank or remote service "Sberbank-Online".

conclusions

Credit program Premium level on this moment is the most attractive and advantageous offers Sberbank. Experts attribute this plastic to the most economical version of credit products related to the elite layer. Numerous privileges, bonuses, advantages make the Visa Signature credit card an indispensable assistant for those who are accustomed to travel a lot and for a long time.

Sberbank, as the largest bank in Russia, is trying to constantly develop and introduce new financial products and services. V last years regular customers of this financial institution, various plastic cards have become available for ordering, which are designed for various segments of the population. Sberbank pays special attention to its premium regular customers, who regularly open deposit accounts, use the services and bonuses of the bank, and also pay back the borrowed funds in full.

One of the latest innovations is the issuance of premium Visa Signature and Visa Signature Aeroflot cards, which provide their holders with a variety of privileges and bonuses. Unfortunately, this type of bank plastic cards is not available to all Sberbank clients, but only to VIP clients with a large monthly income.

In this article, we will consider the features and characteristics of Visa Signature, and also give detailed description and the terms of use of the premium Visa Signature and Visa Signature Aeroflot cards from Sberbank.

What is Visa Signature of Sberbank

Visa is a global international payment system that is widely used around the world. Today there are two groups of VISA International Service Association, one of which is represented in the United States, and the second in Europe in London. This payment system is very popular in Russia, where all banks provide an opportunity to issue any type of plastic card in the Visa payment system.

The modern Visa payment system presents several varieties:

• Visa Electron,
• Visa Virtual,
• Visa Classic,
• Visa Gold,
• Visa Platunum,
• Visa Signature,
• Visa Infinite,
• Visa Black Card.

In addition to the classic budget segment of Visa plastic cards, there is also a premium line, which is intended for wealthy customers of the bank. Visa Signature is a premium card payment system Visa, which was specially created for the needs and requests of wealthy clients. In terms of its main characteristics and features, it is very similar to another premium Visa Infinite card. It should be noted that most of the features and privileges of this type of cards are associated with travel, booking rooms in hotels around the world, getting discounts on the best rooms in hotels and other useful services during business trips.

Visa Signature began to appear in Russia around 2014, and after a while financial products with such a payment system appeared in Sberbank. This happened in 2017, when a large bank of Russia presented to its customers two types of premium plastic bank cards - the Premium Visa Signature card and the Visa Signature Aeroflot.

Visa Signature from Sberbank - main characteristics, advantages and disadvantages

Issuing a debit or credit card is always a very deliberate act, especially when it comes to a premium line bank plastic card. Today, Sberbank issues several Visa Signature cards, which differ from other types of plastic cards by a set of privileges and bonuses that make life much easier for wealthy clients of a financial institution who are constantly on the move.

Sberbank Visa Signature cards have a number of features that should be taken into account when deciding to issue such a financial product:

• Holders of such a card can at any time of the day, in any country of the world, receive emergency assistance from Visa contact center specialists in case of loss or theft. bank card... If such a situation arises, the Support Service can block your card and connect you with Sberbank, they can send a new card to any country in the world within 3 days, or provide an opportunity to withdraw cash.
• Holders of Visa Signature from Sberbank can count on receiving international medical or informational assistance, which is always important for frequent and long travels.
• Wealthy clients with such a plastic card from Sberbank can use the Concierge service, which will help solve a variety of organizational issues, plan a trip, book a hotel or a table in a restaurant, as well as a plane ticket.
• All purchases and purchases made with a Visa Signature plastic card are covered by a protection program and an extended warranty.
• When using this card from Sberbank when paying for a trip, you automatically receive travel insurance, which is undoubtedly beneficial.
• All Sberbank Visa Signature cardholders can attend the brightest art events of the year without paying or queuing up.

Like any other type of plastic bank cards, Visa Signature from Sberbank has a number of advantages and privileges, as well as some disadvantages, which, against the background of a huge number of bonuses and discounts, are a little lost and seem insignificant.

Benefits of Visa Signature cards from Sberbank

• One of the most important advantages of using a Visa Signature credit card from Sberbank is a significantly reduced interest on loans in comparison with other classic and premium bank cards. On average, the interest on the loan has been reduced by 4-8% and can be 21.9% per annum instead of 25.9%.
• In addition, Sberbank is increasing available amount loans up to 3 million Russian rubles with the possibility of renewing the full amount upon full repayment. For comparison, on ordinary credit cards of Sberbank, a credit limit is provided for 600 thousand rubles, less often for 1 million Russian rubles.
• Holders of a Visa Signature credit card from Sberbank can take advantage of a grace period for loan repayment, which is 50 days. This means that during this period you can return the amount spent without paying interest to the bank.

• Using a premium Visa Signature card from Sberbank, the holder can participate in bonus program Thank you from Sberbank, which allows you to accumulate bonuses. The advantage is the fact that the Thank you bonuses for these cards are doubled, and when the card is issued from 2018, Sberbank credits 1000 premium customers additional bonuses Thanks. For example, for paying at gas stations you can get 10% of the amount in bonuses, the same applies to paying for trips to Yandex taxi and Gett.

• In the future, all bonuses can be spent on air tickets for trips around Europe, on taxi rides around the city, on tickets to a theater or cinema, as well as on purchases in stores that are partners of Sberbank. To date, you can spend your accumulated Thank You bonuses at more than 50 partners of the bank.

• Sberbank for holders of plastic cards Visa Signature offers a number of favorable conditions and privileges. These proposals will be especially relevant for travel lovers. First of all, customers can use the unlimited Internet MTS and Beeline and up to 12% discount on hotels with Agoda. Sberbank offers up to 35% discount on car rental with Avis, as well as a 20% discount on airport transfers with Gett and Wheely. If suddenly the flight is delayed or canceled, then the holders of Visa Signature plastic cards can count on compensation of up to 600 euros.

• One of the most important advantages of Visa Signature premium cards is the opportunity to use the VIP lounge at the airport free of charge while waiting for the flight. In addition, holders of such Sberbank plastic cards can count on an individual approach from the outside financial institution in terms of increasing the limit on loans and other services.
• Visa Signature plastic cards have the ability contactless payment which can be carried out with mobile phones Apple and Samsung. In addition, these financial products of Sberbank are equipped with 3D Secure protection.
• The pluses also include the very beautiful and elegant design of the Visa Signature plastic card of Sberbank - the plastic is made in black and gray with an abstract pattern. The Aeroflot map has grayish clouds and a hot air balloon on a black background, which are typical for the entire line of these plastic cards.

Disadvantages of the Visa Signature plastic card of Sberbank

• One of the main disadvantages of such a plastic card is the fact that not every client of Sberbank can get it. To do this, you need to perform several important conditions... First of all, the client must have a deposit in Sberbank, and also have his own debit account, it can be a salary card. In addition, it is important to have a good credit history and no debt to the bank. Having a mortgage and a consistently good amount on the account is also a chance to get a card.
• The second drawback of a premium plastic card is the annual service cost, which is 4900 Russian rubles for Visa Signature and 12000 for Aeroflot Visa Signature.
• It is worth noting the fact that in case of delay in payment of the loan, rather high interest is charged.
• The disadvantages can also be attributed to the fact that this kata can be issued only in Sberbank branches with the preliminary approval of the bank.
• The Visa Signature plastic card from Sberbank does not have the ability to issue additional cards, which is an inconvenience for many.
• And, undoubtedly, the disadvantage is that few people have such monthly income so that you can use this financial product of Sberbank.

Premium Visa Signature card from Sberbank - conditions and characteristics

As noted above, in 2017 Sberbank released a new financial product - a premium Visa Signature card, which has a lot of features and privileges. This Sberbank credit card will be an excellent solution for the bank's wealthy clients who are always on the move.

Let's consider the main conditions and characteristics of a premium plastic card:

• Such a plastic card can be issued to a citizen Russian Federation between the ages of 21 and 65. It is important to have a permanent or temporary registration in any locality country. Also, the total length of service must be at least 1 year over the last 5 years, while individual must have been employed at the current place of work for at least 6 months.
• A Visa Signature card from Sberbank is issued for a period of 3 years.
• This is a credit card that has a minimum limit on borrowed funds in 300 thousand rubles and the maximum threshold is 3 million Russian rubles.
• The interest rate per annum on this premium credit card is from 21.9%, which is significantly lower than other credit cards of the bank.
• The client is provided with a grace period for loan repayment, which is 50 days. During this period, you can return the borrowed funds without paying interest to the bank.
• The cost of the annual service for a premium Visa Signature card from Sberbank is 4,900 rubles.
• The bank has set a limit on cash withdrawals Money on this credit card per day at Sberbank ATMs - it is 100 thousand rubles, and at the bank's cash desks - 300 thousand rubles.
• The commission for withdrawing cash from ATMs of your bank is 3%, but not less than 390 rubles. and at cash desks and ATMs of other banks - 4%, but also not less than 390 rubles.
• The card has all possible bonuses and payment privileges Visa systems, and also participates in the Thank you from Sberbank bonus program for an increased number of bonuses.

Premium Visa Signature Aeroflot card from Sberbank - conditions and general characteristics

In February 2017, Sberbank issued a new premium Visa Signature Aeroflot card, which is intended for premium customers, long-flying Sky Team airlines and participating in the Aeroflot Bonus miles accumulation program. Issue such plastic card will be beneficial to businessmen, business people who regularly make business trips around the country and abroad. According to experts, such a card must be ordered by Sberbank customers who have monthly income of 150,000-200,000 Russian rubles. At lower incomes, issuing such a premium card would be a waste of money. Thanks to such a card, you can accumulate bonus miles, which are subsequently exchanged for discounts when purchasing air tickets and increase the client level at airports.

A plastic premium Visa Signature Aeroflot card from Sberbank can be issued in two versions: debit and credit, which differ in features and conditions of registration. Next, we will consider a detailed description of each bank card of this type.

Visa Signature debit card Aeroflot

A debit plastic card of a premium level from a bank is an excellent solution for the constant accumulation of bonuses in the form of miles.

• This type of card can be issued by a Russian citizen aged 18 to 65 years.
• Sberbank also proposes to issue additional plastic cards that can be issued from the age of 14, and in the presence of legal representatives, from the age of 7.
• Since this is a debit product, Sberbank does not impose serious requirements on its recipients, so customers do not need to confirm their income.
• An Aeroflot Visa Signature card can be issued in various currencies: Russian rubles, dollars and euros.
• The annual service fee for a debit premium card is 12,000 Russian rubles or 250 dollars or euros when issuing a currency plastic card.
• The Aeroflot Visa Signature card is valid for 3 years.
• Top-ups to this debit card are free of charge.
• The limit for cash withdrawals per day is 1 million Russian rubles, per month - 5 million rubles.
• When issuing this card, Sberbank immediately credits 1000 welcome miles. In the future, bonus miles can be accumulated by paying with an Aeroflot Visa Signature card for purchases and services. At the same time, 2 miles will be credited for every 60 rubles, 1 dollar or 1 euro.

• In addition to all bonuses, holders of a premium card of this type are given the opportunity to use the services of a personal manager. The Sberbank Premier telephone support line has been allocated especially for such customers and a wide network of premium services has been created.
• Holders of this card get the opportunity to use the promotions and privileges of the Visa payment system, among which there are offers for both travelers and all other customers. These are unique discounts in hotels and hotels, as well as in restaurants, cafes, amusement parks, museums.

Premium credit card Visa Signature Aeroflot

In addition to a debit plastic card, Sberbank's premium clients can receive an individual offer to issue a premium level credit card with the widest possibilities and high thresholds of limits.

• This plastic card is issued only at branches of Sberbank upon the preliminary approval of the bank, which comes by e-mail or SMS message to your mobile phone number.
• This credit card can only be opened in Russian rubles.
• The Aeroflot plastic Visa Signature card is valid for 3 years.
• The cost of a ready-made service for a Sberbank credit card for premium customers is 12,000 Russian rubles.
• The interest rate on the loan is from 21.9% per annum.
• Sberbank has set limits on borrowed funds for such a plastic card in the range of 300,000 rubles - 3 million Russian rubles. In this case, the amount of the loan is determined individually after studying the bank's administration of income and the client's solvency.
• The client gets the opportunity to take advantage of the grace period for crediting within 50 days, when it is possible to return the borrowed funds without paying interest to the bank.
• Such a credit plastic card has reliable protection of payments 3D Secure, there is the possibility of contactless payment Visa PayWave.
• Sberbank provides an opportunity to participate in the Thank You from Sberbank bonus program with the accrual of more bonuses. In addition, customers can participate in promotions and discounts from the Visa payment system.
• This plastic card is issued primarily for business people who often fly on airplanes. That is why the bank offers to earn miles. For every 60 rubles, 1 dollar or 1 euro, the bank will accrue 2 miles. Also, when you issue a credit card, you will be given 1000 bonus miles as a gift, which can later be exchanged for a discount when purchasing air tickets, as well as when purchasing goods and services in partner stores.

Visa Signature cards from Sberbank are a great opportunity for wealthy clients of the bank, not only purchase a premium plastic card, but also get access to unique discounts and privileges of the Visa payment system when visiting cultural events, airports, hotels and restaurants. In addition, Sberbank directly offers such customers to start accumulating bonus miles in order to spend them on flights and waiting at airports in the future.

In the spring of this year, I saw a very interesting offer for me on the Sberbank website - cards with increased cashback from Sberbank. It so happened that I used to use as the main payment card credit and repay it in an interest-free period. In Sberbank, you can have only one open credit card, so my natural desire was to replace my "standard" credit card with a limit of 60 thousand rubles. at Visa Signature. No sooner said than done: after a few days the application for closing the card was written, and after 30 days its account was also closed - you can apply for a new one!

And this is where the difficulties begin. The fact is that Sberbank employees are completely uninformed about their company's products. I toured 8 bank branches and in all I was told one of three:
1. We do not know about such a credit card - it can only be a debit card.
2. The issue is possible only within the Sberbank Premier package.
3. Issuance is possible only on personal offer (confused with Aeroflot card for 12 thousand).

Several times I called 900, where I was repeatedly confirmed - by credit cards (namely, credit cards) Visa Signature is now a really massive offer - anyone can apply. The only condition is that the limit is not less than 115 thousand, otherwise there will be an automatic refusal, that is, the application for the card will not even reach the operator's consideration. The size of the limit, of course, made me wonder whether such a card would be given to me, despite the fact that I am payroll client and have a perfect credit history at the bank. But there is no way back, the old card is still closed, so we continue to knock on the closed gate - to look for a branch where they know about such credit cards.

And such a department was found. For everyone who wants to issue this card I advise you to immediately contact him - you will save a lot of time and effort. This is Mozhaiskoye shosse, 28. The bank employees, as it turned out, were also not aware of such a proposal, but almost immediately they redirected me to the head of the department. This is a very pleasant woman - a real professional. Not the girls who graduated from the university yesterday with three grades, who met me in other departments. Not those older, ignorant guys sitting behind the glass doors of the management in other departments. They even, as they said, do not have a button for issuing such a card. And this is a real specialist in his field.

It only took her a few minutes (unfortunately, I didn't have my full name) to deal with the necessary credit card, and now we are already filling out the application. Unfortunately, the application was refused (too quickly - very similar to automatic) - probably, the bank decided that 120 thousand would be too much for me. Well, I understand that, it's not an express loan after all, the decision is taken carefully. After that I issued debit card Sberbank with big bonuses. And the credit card turned out and is not needed. I will make it out just in case, when they send a personal offer.

From this situation, I made the following conclusions:

1. Unfortunately, the qualifications of the majority of Sberbank employees (and even heads of departments) are very low - they simply do not know about current offers Jar. It is very unpleasant, you feel like a fool when the whole office explains to you that "the offer is not massive and it does not apply to you," although in fact it is exactly that.

2. If you search, you can find real specialists who will meet halfway - like the head of a unit at Mozhaiskiy 28.

3. Perhaps the requirements indicated on the site for obtaining a Visa Signature are formal and in fact they are much more stringent.

4. There was no information anywhere about minimum limit 115 thousand. If I had seen it earlier, I would have issued a debit card at once.

5. The bank did not approve a credit card with a limit of 120 thousand with an ideal credit history(I even checked an extract from the bureau) and salary card with a good salary.

Therefore, if you are planning to replace your credit card with a Visa Signature - think about whether you will be approved for a premium credit card with such a limit. The deadline for re-applying is 2 months after the refusal, so you risk being left without a credit card for 3 months.