How much is premium for the people? Review of “golden” cards. Possibilities of BPS Bank plastic cards Options for replenishing a Visa Gold card
Map Visa Platinum opens the doors to a world of special privileges and comfort. We understand that you demand only the best - and that is what we offer you. The Visa Platinum card was created specifically to perfectly suit your lifestyle. It is recognized and appreciated all over the world.
"Golden" MasterCard Gold cards are prestigious cards that emphasize the status of their owner - a person who has achieved a lot in life. Such maps provide comfort and confidence even in the most remote places on earth.
Visa Gold OJSC "BPS-Sberbank" is a new generation card that combines a traditional magnetic stripe and a microprocessor module that implements modern technologies ensuring security in payment systems. If the device does not work with microprocessor cards, then the operation is carried out using a magnetic stripe.
"Classic" MasterCard Standard cards are indispensable for people who spend a lot of time working and travel frequently. This card is convenient for paying in shops, restaurants and other retail outlets in any country in the world. Hundreds of thousands of ATMs and millions of merchants around the world accept MasterCard Standard cards. In many countries around the world, payment for goods and services by card has long been preferred over cash.
Visa Classic OJSC "BPS-Sberbank" is a new generation card that combines a traditional magnetic stripe and a microprocessor module that implements modern security technologies in payment systems.
Inexpensive to maintain, VISA Electron and Cirrus/Maestro electronic cards are perfect for customers who are starting to use a plastic card for the first time. They are used to pay for goods and services, as well as to obtain cash from electronic devices (ATMs and terminals) around the world. Mandatory authorization (verification) electronic cards during operations, it provides an additional guarantee of the safety of your funds.
VISA VIRTUON CARD
Visa card Virtuon intended for making purchases in online stores and making other payments on the Internet. Card holders Visa Virtue all capabilities of Internet banking systems are available " Personal bank" And " Mobile bank", as well as the services "SMS-banking" and "SMS-notification".
Corporate cards MasterCard Business for legal entities and individual entrepreneurs intended to pay expenses associated with economic activity client and business trips corporate card holders.
Corporate cards Cirrus/Maestro and VISA Electron for legal entities and individual entrepreneurs are intended to pay expenses related to the client’s business activities and business trips of corporate card holders.
| SALARY CARDS |
"Salary" VISA cards Electron and Cirrus/Maestro are issued to individuals subject to an agreement between the Bank and the enterprise (organization) on the organization of payment wages using banking plastic cards points
Within salary projects The bank offers “electronic” cards VISA Electron and Cirrus/Maestro, which are perfect for customers who are starting to use a plastic card for the first time. They are used to pay for goods and services, as well as to obtain cash from electronic devices (ATMs and terminals) around the world.
Mandatory authorization (verification) of electronic cards during transactions provides an additional guarantee of the safety of your funds. 3068July 26, 2017
Gold level cards, which 5-7 years ago were the dream of many clients of Belarusian banks, have ceased to be perceived by us as something inaccessible and premium. You've probably noticed gold cards flashing in supermarket queues more than once.
Firstly, the plastic itself has become cheaper, and secondly, much more expensive cards have appeared. And now Gold, in terms of the number of bonuses offered and cost, is somewhere in the middle between Visa Electron or Maestro and Visa Infinite with Mastercard World Black
plastic cards
| The cost of Visa Gold and Mastercard Gold cards in different currencies is shown in the table below. Therefore, if you suddenly decide that it’s time to become the owner of such a card, feel free to choose: | Bank/Card | Term | Card cost | Contactless interface | |||
| Cost of the card in BYN for the first year of use | BYN | USD | EUR | ||||
| RUB | 3 years | 15 USD (11.25 USD - based on an application completed in Internet banking) | Yes | ||||
| RUB | 25,99 | 19 | 19 | - | $3.75 | No | |
| 8.66 BYN | 50 (25 - as part of the promotion) | 40 (20 - as part of the promotion) | 40 (20 - as part of the promotion) | - | $3.75 | 12.5 BYN (share) | |
| RUB | 40 | 20 | 20 | - | $3.75 | 13.3 BYN | |
| 8.66 BYN | 40 BYN | $3.75 | 20 BYN | ||||
| RUB | 24 per year | 12 per year | 12 per year | - | $3.75 | 24 BYN | |
| RUB | 75 BYN | plus 3 BYN | 25 BYN | ||||
| RUB | 75 BYN | - | plus 3 BYN | 25 BYN | |||
| 8.66 BYN | 50 BYN | $3.75 | 25 BYN | ||||
| 8.66 BYN | 50 | 40 | 30 | 1 700 | $3.75 | 25 BYN | |
| RUB | 85 when registering with a bank | 55 when registering with a bank | 55 when registering with a bank | 3,150 when registering with a bank | 15 USD (11.25 USD - based on an application completed in Internet banking) | 25 BYN | |
| 75 BYN when registering via Internet banking, M-banking, bank website, Contact center | |||||||
| 8.66 BYN | 65 when registering with a bank | 45 when registering with a bank | 45 when registering with a bank | 2,300 when registering with a bank | 15 USD (11.25 USD - based on an application completed in Internet banking) | 30 BYN | |
| 60 BYN when registering via Internet banking, M-banking, bank website, Contact center | |||||||
| RUB | 50 USD when registering at a bank / 40 USD when registering via Internet banking, Mobile banking | - | 15 USD (11.25 USD - based on an application completed in Internet banking) | 13.3 USD | |||
| RUB | 2 or 4 per month (depending on the amount of non-cash transactions) + 2 BYN (subscription fee for SMS notification) | 1 or 2 per month (depending on the amount of non-cash transactions) + 2 BYN (subscription fee for SMS notification) | 50 or 100 per month (depending on the amount of non-cash transactions) + 2 BYN (subscription fee for SMS notification) | 15 USD (11.25 USD - based on an application completed in Internet banking) | 24 or 48 BYN | ||
| RUB | 85 | 55 | 55 | 3 600 | 15 USD (11.25 USD - based on an application completed in Internet banking) | 28.3 BYN | |
| 8.66 BYN | 65 | 45 | 45 | 3 000 | 15 USD (11.25 USD - based on an application completed in Internet banking) | 32.5 BYN | |
| 4 years | 135 BYN through remote service channels / 150 BYN in the bank (one-time payment) / 160 BYN, 80 USD, EUR or 5,200 RUB in the bank (payment upon first enrollment or in installments for 6 or 12 months) | 15 USD (11.25 USD - based on an application completed in Internet banking) | 33.75 BYN | ||||
| 4 years | 135 BYN through remote service channels / 150 BYN in the bank (one-time payment) / 160 BYN in the bank (payment upon first enrollment or in installments for 6 or 12 months) | - | 135 BYN through remote service channels / 150 BYN in the bank (one-time payment) / 80 EUR in the bank (payment upon first enrollment or in installments for 6 or 12 months) | - | 15 USD (11.25 USD - based on an application completed in Internet banking) | 33.75 BYN | |
| 4 years | 135 BYN for a one-time payment / 150 BYN, 75 USD, EUR when paid upon first enrollment or in installments for 6 or 12 months | - | 15 USD (11.25 USD - based on an application completed in Internet banking) | 33.75 BYN | |||
| 4 years | 135 BYN for a one-time payment / 150 BYN for payment upon first enrollment or in installments for 6 or 12 months | - | 135 BYN for a one-time payment / 75 EUR for payment upon first enrollment or in installments for 6 or 12 months | - | 15 USD (11.25 USD - based on an application completed in Internet banking) | 33.75 BYN | |
| RUB | 70 - for the first year, 40 - subsequent | - | $3.75 | 40 BYN | |||
| RUB | 40 - for the first year, 30 - subsequent | 70 - for the first year, 40 - subsequent | 70 - for the first year, 40 - subsequent | - | plus 20 BYN/ 10 USD or EUR in the first year | 40 BYN | |
| RUB | 15 + 40 per year | 10 + 25 per year | 10 + 25 per year | - | $3.75 | 45 BYN | |
| 8.66 BYN | 25 USD + 25 BYN, USD or EUR (minimum balance) | - | plus 5 USD | 25 USD + 25 BYN | |||
| RUB | 120 USD | - | 15 USD (11.25 USD - based on an application completed in Internet banking) | 40 USD | |||
| 8.66 BYN | 10 + 45 in the first year and 25 in subsequent years | 10 + 50 in the first year and 30 in subsequent years | - | $3.75 | 55 BYN | ||
| 135 BYN | |||||||
As you can see, not all banks will issue you a plastic card with a contactless interface. And some will ask you to pay a little extra for such plastic.
As for the account currency, the rarest is the Russian ruble. If you set a goal for yourself - to get a card exactly in Russian currency— the list of banks will be greatly reduced.
By the way, the proposal "golden" cards payment system Visa has roughly twice the number of card offerings as Mastercard.
And yet, a considerable (by the standards of many Belarusians) cost premium cards The points must be compensated for somehow. For example, discounts and all kinds of additional offers.
Thus, for all Gold level cards, their owners will receive discounts and benefits provided by the Visa and Mastercard payment systems in a number of trade and service organizations: cafes, restaurants, hotels, theaters, airports and other places around the world.
But there is also Additional services, both from the payment system and from the issuing bank, the availability of which (specifically for your card) should be checked directly with the banks. Among these services:
- global customer support service (GCAS) around the world for blocking lost or stolen cards, in case of loss or theft of a card abroad, or emergency cash withdrawal Money, as well as emergency card replacement
- medical and legal help desk
- Concierge Service program
- Priority Pass
- insurance against accidents and illnesses while traveling abroad
- discounts on bank services
Interestingly, banks hold promotions, including the issuance of such premium cards.
For example, in Bank Solution You can apply for Visa Gold with a 50% discount if you do an initial fee in the amount of 100 rubles, 50 US dollars or euros.
A Alfa Bank and even offers free "premium". Show anyone's card Belarusian bank and deposit a certain amount of funds into your account - and now, you are already the owner of a Gold card.
The only thing is that the content of the cards will be slightly reduced - you will have to pay extra for Priority Pass.
Although, in principle, this offer still remains the most profitable to date. After all, most banks do not offer Priority Pass for free with Gold cards.
In all other respects, premium cards are no different from regular cards :)
The information is presented as of July 25, 2017 and does not take into account future changes.
Among this list is a Visa card Gold Sberbank, the main characteristics of which are discussed below.
Advantages of the Sberbank Visa Gold card
Like other Sberbank plastic products, the Visa Gold card has its own advantages and disadvantages. Because " Gold card Sberbank" does not apply to entry-level plastic cards, the cost of its service is much higher, amounting to 3 thousand rubles. in year. The main advantage of the card is considered to be an increase in the program, which can be obtained by non-cash payment V . Also, holders of this card are provided with discounts on the program, as well as discounts on various events under the program.The main advantages and privileges of the Visa Gold debit card from Sberbank:
- applicable currency: euros, rubles or dollars;
- release additional cards, including cards for children over 7 years old;
- access to promotions and discounts even in other countries;
- equivalent service and cash withdrawals in the Russian Federation and abroad;
- reliable protection using an electronic chip;
- use as a salary card.
Since Sberbank Visa Gold is a premium card, no subscription fee is charged regardless of the card chosen. The service will be useful to those clients who also carefully monitor Money transfers carried out on the map.
Limitations of the Sberbank Visa Gold card
The Sberbank Visa Gold card, like other plastic cards, has some restrictions, for example, a limit on cash spending. For Visa Gold Sberbank the following are established: for a monthly period - 3 million rubles, and for a day - 300 thousand rubles. If exceeded daily limit At the time of transactions, the bank charges a commission. Its size is: in Sberbank devices and cash desks - 0.5% of the amount; 1% - at ATMs and terminals of other banks.The card is valid for 3 years. At the end of this period, you can close the account, order or extend the existing contract. You can replace your current card before its expiration date, without paying a fee.
Visa Gold card replenishment options:
