Visa Platinum - what privileges does the card provide? Sberbank Premium Card Visa Platinum Premier.

Map Visa Platinum- one of the products payment system Visa, which has managed to gain a foothold in the global financial market. The main activity is the process of resolving relations in the process of a transaction between and. It does not develop special tariffs for the issue. She is responsible for creating the safest possible conditions for carrying out.

Benefits of Visa Platinum

Visa's main task is to ensure the security of transactions. Thanks to a multi-level protection system, every client can have peace of mind about their money. The risk of theft is minimal. The main advantages of the Visa Platinum card:

• Getting emergency help technical support in case of loss or theft. While the reissue is being carried out, the client can issue a temporary product and continue to use funds. You must first contact the nearest branch of the servicing bank.
• Receiving quick legal advice and medical assistance. The cost of the service depends on the complexity of the case and is charged based on the stated price list
• Obtaining special status,since the Platinum card is not available to everyone. Using it in popular clubs or restaurants, each client receives a high level of service and an additional discount on the menu and bar range
• Purchase protection service. Within a specified period, each buyer has the right to return the product if it is unsuitable, manufacturing defects or out of date (not counting food products). Among other privileges, it is worth noting the right of compensation Money, if in deadlines the item was lost
• Using an additional warranty on purchases. Under some circumstances, a warranty card may be provided for two years. The only one prerequisite is to use a Visa Platinum credit or debit card

Basic requirements for users

IN Lately banking organizations They have stopped developing exclusive privileges for this type of card, so every adult citizen can apply for it. Some banks activate additional discounts or bonus programs as part of the use of a specific product.

The famous VTB 24 offers regular customers participation in promotions and gives bonuses in accordance with the package of services he uses: Privilege, private banking or Priority. You can get acquainted with the product in the section.

Experts say that the benefits and requirements for obtaining largely depend on the cost annual maintenance, presence/absence line of credit. The average cost of service per year is 600 rubles, however, many banks offer the first year of use free of charge to increase the number of clients.

Card privileges in the Russian Federation

Premium cards give a large number of privileges for clients of financial institutions:

• Size cash back can be increased up to 30% (depending on the affiliate offer)
• Providing SMS alerts and Internet banking for free
• Additionally, a Gold class card can be issued, without introducing special fees
• The cash withdrawal limit increases several times
• Using multiple foreign currency accounts
• Possibility of connecting to premium offers and visiting VIP establishments.

This card, in addition to the main payment function, provides holders with even more additional services and discounts compared to Visa Gold.

The minimum set of services for Visa Platinum includes:

2. Concierge service, medical and legal assistance. In Russia, this service is provided by International SOS (ISOS). Information services are provided free of charge.

3. Insurance for those traveling abroad. For example, an insurance policy for a card can cover up to 80 thousand US dollars. Also valid on the card special programs"Purchase Protection" and "Warranty Extension". For example, the first allows you to return the money spent on a purchase within a certain time if it is damaged or stolen.

4. Special offers, including discounts and privileges. This could be an upgrade to a hotel room, gifts, discounts on goods and services in stores, etc. More information about this program can be found on the official website of the payment system.

5. Participation in discount programs IAPA, Hotel Express, Priority Pass, Simple.

7. Higher credit limit, from 5-10 thousand US dollars per month.

8. Higher cash withdrawal limit.

Banks supplement the list of privileges offered by the payment system own programs. Kit banking services may include special conditions lending, services remote maintenance etc. The cost of its servicing depends on the volume of filling of the Visa Platinum card by the financial institution.

For example, at VTB 24 Platinum cards are issued only as part of special package offers for wealthy clients: “Priority”, “Privilege” and Private Banking. The “Privilege” package, in particular, implies the issuance of a card with a personal credit limit of up to 2 million rubles, round-the-clock support via a dedicated telephone line, concierge service, personal manager services, insurance and a host of discount programs. The fee for issuing and annual servicing of such a card is 30 thousand rubles.

Some banks do not equip platinum cards with many additional services and features, which makes them accessible to ordinary citizens.

When choosing a debit or credit card, you should pay attention to the terms and conditions for the provision and use of these products. To save time, you can order a card by filling out an online application on the bank’s website; if this is not possible, you must contact the office credit organization. Interest rates on credit cards may depend on the package of documents provided, availability credit history and other factors.

In this article we will talk about one of the most best cards that few people use. This map has a lot of advantages and benefits. Also, the Visa Platinum card is a sign of great wealth and high position in society. This is a card for those who are used to enjoying life to the fullest. Consider the Visa Platinum "Premier" card, the card Priority Pass. And what discounts and advantages are there in Russia and abroad?

Cashback for this card

Let's consider the very first and most obvious plus, or rather the presence of a fairly large cashback on the card. Cashback itself varies greatly depending on the card itself, as well as on the bank that represents this card. There are several options here:

• Cashback on certain goods and services that you choose among the category, or this category is built in automatically. If you spend your money from the card, for example, on medical services, sports, or at gas stations, then you are credited from 5% to 10% depending on the bank.
• Cashback is awarded on purchases of any product or service. With all this, you can spend this money in certain stores or partners of your bank. Full list partners can be found on your bank’s website, in a branch or by hotline.

Cashback is a great way to not only spend, but also save money wisely. Compared to gold or classic card, then Visa Platinum Premier has more high percent cashback.

Advantages and benefits of the Platinum card

Visa Platinum “Privileges” is immediately connected to the program for avid shoppers. Upon receipt of this card, you immediately have the right to receive big discounts in a huge number of stores around the world. These stores are partners of your bank. You can easily book tables in expensive restaurants, buy cinema and theater tickets at discounted prices.

In addition to cashback and discount programs, many banks offer their clients to connect bonus program. You can specifically choose the bonus program that suits you personally. If you love to travel, then you can choose the Traveler bonus program. If you love shopping and making purchases, then the program for shopaholics is suitable for you.

People who have a Platinum Priority Visa receive emergency assistance services anywhere in the world under the GCAS program. In case of any loss or theft of your card, you can urgently restore it anywhere in the world. You can also make an urgent withdrawal of funds up to $5,000.

You have the right to use urgent legal assistance anywhere in the world. If you have any problems related to legal issue, then you can always be sure that they will help you. There is also an urgent health care in any situation.

The card has a so-called insurance program“purchase protection”. In case of loss or theft, you will always get back either the full amount for this purchase or the same product that you bought. There are also a number of insurance programs, especially “Insurance abroad” - this program begins to take effect as soon as you leave your home country.

You have the right to attend any concerts, theaters, cinemas without queuing or prepayment. You can always book a place in the center of any exciting event. The “Concierge Service” service is also attached to the card. You will be notified around the clock about all interesting places of leisure, and you can always consult yourself about where you can go in a particular country, to a cinema, a restaurant, etc.

When you book a hotel or inn, you receive VIP status and can stay in any room at a reduced cost. Platinum Visa card holders immediately receive a Priority Pass card.

is your guide to any VIP lounge and business area at any airport in the world. With this card you can take your family and friends there with you. Entry with Priority Pass is absolutely free, and you can enjoy all the benefits and amenities with this card. The cost of a repeat visit to the VIP area or without Priority cards The pass will cost between $100 and $300.

Privileges with Visa Infinite, Visa Platinum and Visa Signature are provided to payment card holders Visa system. Get all the information you need about the program VISA privileges available on the website www.visa.com.ru.

1 50% discount on the main AMEDIATEKA subscription and Okko subscription. Offer valid for owners Visa cards Infinite, Visa Platinum and Visa Signature. Promotion period: from April 2, 2018 to December 31, 2018. Limited supply. To take advantage of the AMEDIATEKA offer, sign up for a basic AMEDIATEKA subscription for 12 months on the website www.amediateka.ru, pay for the purchase with your Visa card. To take advantage of the Okko offer, sign up for any subscription in the SMART TV app, PlayStation, on smartphones (Android) or on the okko.tv website. Terms of action .

2 The offer is valid for holders of Visa Infinite, Visa Platinum and Visa Signature cards. Discount on tickets and cinema bar: 20% for Visa Signature and Visa Infinite cards, 10% for Visa Platinum cards, free children's ticket for Visa Platinum, Visa Signature and Visa Infinite cards. Promotion period: from April 2, 2018 to December 31, 2018. Limited supply. The offer is available in Moscow, St. Petersburg, Reutov, Podolsk, Kazan, Samara, Yekaterinburg, Kaliningrad, Surgut. A complete list of cinemas is available on the website karofilm.ru. To get a discount on a ticket, you must pay for it at the cinema bar box office with a premium Visa card. To receive a free child ticket, you must purchase at least one regular ticket and pay for it with a premium Visa card. Terms of action .

3 10% discount for Visa Platinum and Visa Signature cards. 15% discount for Visa Infinite card. Promotion period: from April 2, 2018 to December 31, 2018. The offer is available in restaurants and cities: Moscow - White Rabbit, Selfie, Chef's table, Zodiac, Chicha, Gorynych, Mushrooms, Tehnikum, Korobok Bar, Luciano, “Sea Buckthorn”, Sochi - Red fox, “Weeping Willow”, “Sakhalin”, “Ogonyok”, Chicha, “What? Kharcho! Limited offer. To take advantage of the offer, you must inform the restaurant employee about the discount and present your Visa card before paying, and then pay the bill with the appropriate Visa card. Terms of action .

4 The offer is valid for Visa Infinite, Visa Platinum and Visa Signature cardholders. Promotion period: from April 2 to September 30, 2018. The offer is available in the cities of Moscow, Krasnogorsk, Odintsovo, Zelenograd, Voronezh, Yaroslavl, Tyumen, Noginsk. Limited offer. To take advantage of the offer, you must inform the restaurant employee about the discount and present your Visa card before paying, and then pay the bill with the appropriate Visa card. Terms of action .

5 Promotion period: from November 13, 2017 to December 31, 2018. The offer is valid for holders of Visa Infinite, Visa Platinum and Visa Signature cards. The offer is available in the following cities and classes: Wheely - business class and higher in Moscow, St. Petersburg, Yekaterinburg, Kazan, Sochi, Perm, London; Gett - business class and higher in Moscow, St. Petersburg, Yekaterinburg, Kazan, Sochi, Krasnodar, Novosibirsk. Limited offer. To take advantage of the offer, you must add your Visa card to the Wheely and/or Gett app and set it as your primary payment method for travel by December 31, 2018. The number of trips with a 20% discount is unlimited. Terms of action .

6 Second ticket for free, 10% discount in museum stores. The offer is valid for Visa Infinite, Visa Platinum and Visa Signature cardholders. The offer is valid for permanent or temporary exhibitions of the museums of the State Tretyakov Gallery, located at the following addresses: Lavrushinsky Lane, 10, 12 (Moscow) and Krymsky Val, 10 (Moscow). 15% discount on restaurant menu premium card Visa. Promotion period: from April 9, 2018 to September 30, 2018. Offer available in Moscow. Limited offer. Terms of action .

7 The offer is valid for Visa Infinite, Visa Platinum and Visa Signature cardholders. Promotion period: from April 2, 2018 to December 31, 2018. Offer available in Moscow. Limited offer. To take advantage of the offer, you must inform the employee at the Masterslavl Sports and Entertainment Center ticket office about the discount and present your Visa card before payment, and then pay for the ticket with the appropriate Visa card. Terms of action .

8 15,000 “Vkusomania” bonuses for purchases over 5,000 rubles in the supermarket chain “Azbuka Vkusa”, “AV Market”, Enoteks, “AV Daily” minimarkets and in the online store “Azbuka Vkusa”, 50,000 “Vkusomania” bonuses for first purchase in the Azbuka Vkusa online store, free delivery for purchases in the Azbuka Vkusa online store. Promotion period: from April 2 to September 30, 2018. The offer is valid for Visa Infinite, Visa Platinum and Visa Signature cardholders - participants club program"Taste mania." The offer is available in Moscow and St. Petersburg. Limited offer.

Today a plastic card is not just the key to bank account, and ample opportunities for owners. Sberbank of Russia is the undoubted leader in the banking services market; in addition, it is recognized as a reliable partner for both individuals and legal entities. The bank annually improves and updates its line of offers, and the most popular products are bank cards. Let's consider what opportunities the Sberbank platinum card provides, pros and cons, and ways to formalize the terms of service.

About the map

First of all, it is worth noting that the platinum card is a product high level, which means that before purchasing this product, you should carefully study the terms and conditions of the Sberbank platinum card. After all, it has a certain set of functions and capabilities, and, accordingly, a higher cost. That is, first, evaluate the feasibility of purchasing it. In addition, Sberbank has a wide selection of plastic; among such an assortment, each potential client can choose a product that best suits his requirements and cost.

It’s worth mentioning right away significant disadvantage Premium class cards, which include the Sberbank Platinum Card. Namely, this is the high cost of annual maintenance. Speaking in simple words, it is most suitable only for wealthy and wealthy clients.

How to get a platinum card

First of all, we need to say that platinum cards come in the following categories: credit cards debit, it can be issued within salary project. Sberbank Platinum visa is issued upon the client’s request, production time is up to 2 weeks. By the way, in Sberbank, this product is called a card with big bonuses.

How to get a Sberbank platinum card? You need to contact any branch of Sberbank of Russia in person and submit an application, to which you must attach a certificate of wages and an identity document. Plastic cards without a credit limit do not require documents other than a passport and an application form from the client.

If you want to receive a card with a credit limit, then you must prepare a salary certificate in form 2-NDFL; this condition does not apply to salary clients Sberbank. According to the terms of the credit card issue, the maximum limit is up to 3 million rubles, but for each individual borrower The bank determines the maximum loan amount individually; it depends on the client’s solvency.

Please note that the bank issues a credit card to regular and trusted clients on an individual offer on more favorable terms.

Terms of Service

The cost of annual servicing of a platinum card for both credit cards and debit cards will be 4,900 rubles per year, or 409 rubles per month.

• But at the same time, plastic gives its user ample opportunities. First of all, more thank you bonuses for every purchase. Secondly, a discount on payment for goods and services of bank partners. How many Thank You bonuses are awarded to the owner of the plastic card:
• 10% of fuel payments at gas stations and trips by Yandex or Jet taxi;
• 5% of payment in cafes and restaurants;

1.5% on purchases in supermarkets

Please note that the cost of one Thank you bonus is equal to one ruble. Platinum cards with a credit limit give their owners the opportunity to receive borrowed funds in the amount of up to three million rubles. But this condition is strictly individual, maximum amount calculated for each borrower separately. Interest rate from 21% per year, this is within individual offer

, for each borrower the percentage is determined by the bank depending on his solvency. Grace period on the card is up to 50 days.

Advantages and disadvantages Let's start the review with the disadvantages, as mentioned earlier, the main one is the high cost of maintenance. There is one piece of advice for potential clients: before you apply for a card in these categories, calculate your financial opportunities . The second disadvantage is, because the bank only indicates a minimum threshold of 21%, in fact it can be much higher.

But the advantages of a Sberbank platinum card are much greater:

• when you purchase this product you will receive a high credit limit, as well as the opportunity not to pay interest to the bank if the grace period is observed;
• along with the plastic you get access premium service bank, namely, you will not need to stand in queues, you can resolve all current issues using the bank’s dedicated hotline, where qualified managers will provide you with quick financial assistance;
• Each platinum card owner has a personal manager at the bank, who will always be aware of your problems and provide you with the necessary assistance in a timely manner;
• clients have access to all remote services of the bank, namely Sberbank online mobile app Sberbank Online;
• you will receive discounts and bonuses from Sberbank partner companies, of which, it is worth noting, there are quite a lot, you can see their list on the official website;
• Another huge advantage is that when you pay for goods using your card, the bank provides insurance for your purchase, payments in case of insured event can reach one and a half thousand dollars, however, the insurance period is only 3 months;
• Sberbank doubles the warranty period for purchased goods, provided that their cost is at least $50, and the total warranty period is no more than 2 years, respectively, the purchase must be paid for with a platinum card;
• premium bank clients can receive free service in the medical company International SOS, and the service is available to both holders and family members;
• Premium clients have access to the Concierge service, which allows them to book hotels, cars, and restaurant tables remotely.

The advantages of this product far outweigh the disadvantages. But we can draw one conclusion that the card is ideal only for wealthy clients, businessmen and travelers. It is for them that the Visa Platinum Sberbank privileges will be necessary and useful.

Other conditions

The Sberbank Platinum card is an ideal option for clients who often travel abroad. With its help, you can pay in any country in the world where Visa payment system cards are accepted and in any currency; conversion is carried out automatically according to the bank’s tariff at the time of the transaction. In addition, the holder can withdraw cash from ATMs in subsidiaries Sberbank abroad at the same price favorable conditions. Namely 1.25% of the amount.

Please note to the main debit card You can issue up to 3 additional ones, a child from 7 years old can become the owner of premium plastic, but the account will be shared, which means the client can set a limit on monthly spending.

As for the limit, you can withdraw no more than 500 thousand rubles per day from this card, and no more than 5 million rubles per month. The deposit limit is 10 million rubles per transaction. By credit cards daily limit 300 thousand rubles, for crediting funds to an account of 10 million rubles per day.