Debit world mastercard black edition. Advantages and disadvantages of MasterCard Black Edition

Credit card Mastercard Black Edition– this is a premium product payment system Mastercard. Holders of such cards have the right to count on a number of preferences. This is a luxury product designed for business owners and active travelers.

The card form is made of special carbon fiber and has an original, laconic design.

The telephone number of the Mastercard Global Support Service in Russia is 8–800–555–02–69. Calls from landlines are free.

General Product Features

An important advantage of MasterCard Black Edition is that its owner has the right to be serviced in the offices of the issuing bank in VIP rooms. Calls to the call center are received on a special, dedicated line, and service is handled by a personal manager.

Mastercard Black Edition offers significant advantages. Cardholders from domestic issuers can count on:

• credit limit of about 1 million rubles;
• moderate interest rates;
• prolonged Grace period;
• participation in bonus programs;
• incentives and discounts up to 30% for the purchase of certain goods and services;
• Priority Pass, that is, a pass to business class airport lounges, regardless of the ticket class, airline and number of companions of the card holder. The cost of the service is about $30 per person. Payment is debited from the card account within 2 months from the date of visit;
• emergency assistance in case of card loss;
• free insurance for trips abroad with insurance coverage up to €71,000. Insurance for family members is possible at reduced rates;
• free visas in some countries;
• use of PayPass contactless payment technology;
• protection of online purchases Mastercard SecureCode;
• preferential or free access to SMS services and Internet banking.

Premium services

MasterCard Black Edition gives the following privileges:

• World status guarantees the owner receiving VIP service in any developed country;
• participation in the Priceless Cities program, thanks to which you can purchase tickets to cultural events at discounted prices and use VIP boxes from MasterCard;
• opens access to the services of the Nielsen Club, which will allow you to order travel arrangements of any degree of complexity along any route.

An important privilege for owners MasterCard World Black Edition is free services Concierge service from a partner of the Aspire Lifestyles payment system. Thanks to this service, many issues are resolved, including everyday ones, even if the problem arose abroad.

You can call the Concierge Service by phone:

• 8 800 700-44-09, if the call comes from any city in Russia, then the call is free;
• 8 499 500-44-09 is the Moscow number for calls from abroad.

Offers from Russian banks

Sberbank

Sberbank issues Mastercard Black Edition under the following conditions:

• the annual fee for using the card will be 4,900 rubles;
• credit limit – up to 3 million rubles;
• interest rate – 21.9% if the issue was carried out according to a pre-approved offer and 25.9% if according to a mass offer;
• grace period – 50 days;
• commission for receiving cash - 3% in Sberbank terminals and 4% when accessing devices of third-party organizations (minimum 390 rubles);
• There is no provision for issuing an additional card.

Advantages:

• large credit limit;
• premium accrual of “Thank you” bonuses is up to 20 times greater than for other bank products.

Flaws:

• account currency – Russian ruble only;
• availability of age restrictions – from 21 to 65 years;
• work experience is required - at least 1 year in the last 5 years, but at least 6 months with the last employer.

UralSib

IN Bank UralSib The card is provided under the following conditions:

• annual maintenance both the main card and the additional one – 6,000 rubles;
• lending limit – 10,000 – 500,000 rubles;
• grace period – up to 2 months;
• interest rate – from 23.9%.

Advantages:

• loyal attitude to work experience - from 3 months at the last place of employment;
• receiving cash at UralSib ATMs is free, and at self-service devices of other companies the commission will be 0.7%;
• account currency – rubles, euros or US dollars.

Flaws:

• the minimum age of the borrower is 25 years;
• When the card holder reaches the age of 60 years, the contract is terminated.

Reissue (in case of loss, upon expiration of the validity period) is paid - 6,000 rubles.

"Alfa Bank"

Alfa Bank will provide a card with the following parameters:

• debit card;
• up to 7.5% cashback goes to the savings account;
• withdrawing cash from the issuer's ATMs is free, from third-party banks - 1%;
• account currency – rubles, euros or US dollars with the possibility of instantly relinking the card to an account in one currency or another.

Advantages:

• 4 times a year you can receive cash abroad for free;
• You can get up to 600,000 rubles per day from an ATM.

Flaws:

• the product is available either to existing bank clients or after connecting the “Maximum+” option;
• you can withdraw no more than 3 million rubles from an ATM per month;
• very expensive annual maintenance - 33,000 rubles in the first year of ownership and 36,000 rubles in the second.

Summary

In Russia, Mastercard Black Edition holders are provided with discounts, preferential interest rates and other preferences on terms that are different from those available to cardholders in other countries. The effectiveness of using the product directly depends on the capabilities provided by the issuing bank. Accordingly, you should not hope that the registration of an elite product in a local bank will bring real benefits.

To obtain a card, it is often necessary to have Russian citizenship and registration (temporary or permanent) in the region where the bank operates.

Mastercard Black Edition from Sberbank is aimed at users whose activities are concentrated mostly in Russia. UralSib's offer is interesting for those who often travel to countries where payments are made in euros or US dollars. A card from Alfa Bank will be useful for those who prefer to spend within the limits of the amounts available in their own account.

Premium debit cards "Sberbank Premier" for successful people - Visa Platinum Premier and World MasterCard Black Edition Premier (up to 5 pieces in the premium package).

General information

1. Special dedicated areas for servicing Sberbank Premier cardholders
2. Personal manager and dedicated line “Premier”
3. Contactless payment Visa PayWave and MasterCard PayPass and Apple Pay connectivity.
4. Service fee – when maintaining a total balance on cards from 2.5 million rubles. at the end of the month - free. Or - commission 2,500 rubles. per month.

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Additional options

Favorable exchange rates

Priority Pass service - business lounges for owners of Premium packages at the most famous airports: with Wi-fi, magazines and newspapers, drinks, shower.

Insurance cover:

You can receive up to $20,000 of insurance coverage per year, up to $5,000 per insured event, up to $1,500 per item in case of loss, theft or damage to an item you paid for with a Premium Card.

Extended Warranty:

Manufacturing Warranty for Products Purchased with Visa Platinum Premier will be increased by 2 times. From the date of purchase – up to 54 months!

The manufacturer's warranty is extended 2 times (up to 54 months from the date of purchase) provided that the purchase is paid for using a Visa Platinum Premier card:

• annual coverage $5,000 per year
• insurance coverage per purchase - $1,500
• deductible for each purchase - $50

Premium package cardholders can withdraw cash from foreign subsidiary banks under the same conditions as in Russia.

Reviews

“Sberbank Premier” is distinguished by a high level of service and increased attention to your person - this is all nonsense, managers are often absent from the workplace, working days. They are from 10-00 to 19-00. At 10-00 they are never there, I specifically asked for time off from work and came at 18-15, I didn’t find anyone either, there was never any service without queues, the employees themselves, who do not work in the prime minister zone, say that everything is like one by one and that’s all. I wanted to come on Friday at 10-00 to turn off the service, I called the manager first and asked if you would be there? To which I received the answer - POSSIBLY a stupid giggle at the end. The manager offered to turn off the service without me coming. The grace period ended on 28, I called 22, they turned off 30 in the end and wrote off 2500 safely. Although the manager said that closing the service was free. There was no preferential rate for currency exchange, as I only had one rate displayed V online account, so he remained. Summary: scamming people out of money, and it’s a pity for pensioners, if only they’d be left alone, okay, we’re working people

What are you talking about, what kind of scam? I have been using Priority and Sberbank Premier for half a year, this is a super offer. Grace period 2 months for which I did not pay anything, if I had turned off this service during the grace period I would have paid 2500 anyway. And you did what you wanted, you flew on vacation or just around Russia, sat in the Priority business lounge, ate, drank, everything was free with this card, and then you just closed the premier and didn’t pay anything (entrance to the Priority lounge without a Priority card costs $30 with person). If so, then this is not for you, servicing the Sberbank Premier service costs 2500 per month and not only does it have priority, but there is also a concierge, in any country I can call them at hotline and they will always quickly help you with any question, car, hotel or anything else. If you don't travel, then you shouldn't connect this. Nobody will give you a freebie here.

At first glance it may seem that debit card VIP class, for example, Visa Gold, MasterCard Platinum, etc. – this is solely a demonstration of the client’s status, his special position and financial opportunities. However, if we look at this issue more deeply, it turns out that premium cards They also give their owner certain material advantages (for which, of course, you have to pay). Next, we will show this using the example of elite Sberbank cards and compare the opportunities that each of them opens up for its owner.

Premium cards from Sberbank: brief description

All VIP cards from Sberbank can be divided into 3 groups:

Please note that anyone can purchase the first 2 types of cards (having received approval from the bank after submitting an application), but in order to connect to tariff plan"Premier", must correspond to one of following conditions(which differ by region):

• Invest from 1 to 8 million rubles (for the capital) and from 400 thousand to 4 million rubles (for residents of other regions) into a Sberbank deposit account.
• Receive monthly transfers to salary card, framed within salary project, ranging from 150-500 thousand rubles monthly (for the capital) and from 50 to 200 thousand rubles (for other regions).
• Apply for the last 3 years mortgage loans for a total amount of 6 to 10 million rubles (for the capital) and from 2 to 5 million rubles (other regions).
• Have an average monthly payment on a Sberbank loan of over 50 thousand rubles (for the capital) and over 25 thousand rubles (for other regions).

The Premier package, in addition to the opportunity to issue premium class cards for free, allows clients to be served in offices where there is a special dedicated area for VIP clients, without queues (700 branches in Russia); use the services of a personal manager; use specialized banking products, For example, safe deposit boxes; call the dedicated telephone line of the contact center.

We will talk further about the advantages and disadvantages of the cards provided as part of the “Premier” package, as well as the features of other premium cards, but I would like to dwell on the reviews of clients connected to the “Premier” tariff plan. On this moment Most of them are negative: the bank introduced this package not so long ago, so perhaps it is still “raw”. Most often, clients complain about the inability to contact personal manager, long wait feedback, incompetence of employees, etc. (i.e. the notorious “human factor”).

So, let's look at the terms of service for Sberbank premium cards in more detail.

Sberbank Visa Gold and MasterCard Gold cards

Gold class cards offered by Sberbank are available to anyone over 18 years of age. They provide their owner with the same opportunities as classic cards, and are issued and reissued free of charge (only annual maintenance is paid). Additionally, Gold card holders can receive discounts on car rentals from Hertz. The difference between Visa Gold and MasterCard Gold is bonus programs the payment systems themselves.

By purchasing Visa Gold, you receive additional privileges from the payment Visa systems of the following nature:

• The opportunity to seek help from the concierge service, where they will help you organize your trip: choose the best routes and hotels, book air tickets and rooms; will provide information about aircraft flights; They will tell you where the nearest restaurant or store is, etc. They will help you rent a car, arrange flower delivery, book a theater ticket, etc.
• The ability to seek medical and legal assistance while traveling (consulting services provided by the international company International SOS).
• Participate in Visa discount programs.

Important: holders of Visa Gold and Visa Platinum cards can count not only on consulting services in the provision of legal and medical support, but also real help. This is an additional – paid – service that is provided abroad and only if 50% or more of the ticket price was paid using Visa cards.

Regarding payment MasterCard systems, its VIP clients automatically become participants in the Priceless Moscow program. They can:

• Receive discounts when booking hotels, paying bills at partner restaurants, grocery stores, sports complexes, boutiques, etc. (addresses of partners can be found on the website www.pricelessmoscow.ru).
• Receive invitations to closed events.
• Take advantage of promotional offers abroad (hotels, restaurants, tour operator services, etc.).

Comparing the “World of Privilege” programs from Visa and “Priceless Moscow” from MasterCard, it can be noted that the Visa program turns out to be more extensive. It focuses not only on discounts, but also on additional services(both paid and free); Visa also has more promotional offers.

Sberbank Visa and MasterCard Platinum cards

Maps more high level and more expensive to service (compared to Visa Gold and MasterCard Gold), allow you to get everything basic capabilities and a number of additional ones. You can apply for a card from a Sberbank Premier manager, and only if you are over 21 years old. Please note that after submitting an application for a card, a manager must contact you within 3 days and inform you about the bank’s decision. Platinum class cards are not issued to all applicants; the bank evaluates the client’s socio-economic situation and only then provides an answer.

Platinum cards from Sberbank provide the owner with the following privileges:

• “Purchase Protection” service: automatic insurance of purchased items against theft, accidental damage, etc. within 90 days from the date of purchase. Sum insured is $20,000 per year. The insurance partner is RESO-Garantiya and its agent - AXA Travel Insurance.
• “Extended Warranty” service for goods over $50, paid with a Platinum card(the guarantee is doubled, but should not exceed 24 months). total amount all claims for the year cannot exceed $20,000.
• Consulting services. Medical and legal support abroad provided by International SOS. The complex of medical support includes counseling the patient, as well as monitoring his condition during and after hospitalization. Legal assistance consists of providing contact details of lawyers abroad, etc.
• Concierge services. Important: the service is provided only to Visa Platinum cardholders. The service is not available to MasterCard Platinum holders.
• Owners of MasterCard Platinum can become members of the closed club of travel lovers NILSEN CLUB, where they will be helped to choose the best routes and organize a vacation in any country in the world (similar services are the responsibility of the Visa Concierge Service employees).

Thus, within the framework of platinum cards, MasterCard is again inferior to Visa cards, especially since concierge services are extremely popular among VIP clients.

Sberbank cards Visa Platinum Premier, World MasterCard Black Edition Premier

Sberbank Premier class products are provided exclusively as part of the package of the same name, the main advantages and disadvantages of which you are already familiar with. The Visa Platinum Premier card provides the holder with the same benefits as the regular Visa Platinum, and world map MasterCard Black Edition Premier – expanded capabilities compared to MasterCard Platinum. Additionally, holders of this card have access to concierge services.

Also, as part of the Premier package, clients can count on:

• Life and health insurance with a coverage area of ​​“The Whole World” and an insured amount of up to 100,000 euros. This policy will be required when opening a visa and can be used an unlimited number of times. Insurance partner – RESO.
• Insurance bank card. The service allows you to receive insurance payment when scammers use your stolen or lost card(sum insured - up to 150 euros), and if you are attacked near an ATM (indemnity - up to 1,500 euros).
• Contactless payment for goods and services of the retail and service network using Visa technologies PayWave and MasterCard PayPass.
• Participation in Priority program Pass, which allows you to use the services of comfortable business class lounges largest airports peace.
• "Insurance best price" This type of insurance is only available in the Premier package. If you purchased a product and then saw a similar one, but at a lower price, the insurer will reimburse you for the difference (insurance coverage - 1000 euros).

To understand how much certain card benefits actually cost, let’s study Sberbank’s tariffs.

* The cost of service in the Premier tariff plan is 2,500 rubles/month (30,000 rubles/year), but payment is charged only if the client’s total balance on all current, card, deposit accounts, as well as compulsory medical insurance at the end of the month less than 2,500,000 rubles. The bank also provides clients with a grace period of 2 months from the moment they join the tariff plan. There are also no service fees charged during this time.

Having analyzed Sberbank’s premium card products, we can come to the conclusion that Visa cards are more profitable in comparison with MasterCard, and as for the card level, you should choose based on your financial capabilities and needs. If you have a deposit with Sberbank in an amount greater than 2.5 million rubles, then best choice will be service within the “Premium” package.

Bank plastic has long been used in the purses and wallets of our citizens. Among card products in Russia, the most popular are Visa and MasterCard offers. Both regular and premium cards of these payment systems provide the user with advantages that can satisfy any choice. One of the unique products is the World MasterCard Black Edition.

About the payment instrument

Black Edition cards are the embodiment of the synergy of exclusive privileges and exquisite design with a strict, at first glance, design in black. These products are for people who travel a lot and value premium service and comfort.

The MasterCard card is equipped with technology that allows you to pay for purchases with one touch - just touch the card or phone to the terminal at the checkout. Fast and convenient, because you don’t need to enter a PIN or wait for a receipt. At the same time, the owner controls the payment process, since it is not necessary to hand over the card to the cashier, and the terminal will give a signal and turn off.

Key Features

In this case we're talking about about a privileged card, if in this regard it is generally possible to compare MasterCard products with each other. The following are available to the user: MasterCard privileges World Black Edition:

1. Contactless payments and transfers using MoneySend.
2. Hacking protection SecureCode.
3. Online shopping using MasterPass technology.
4. Business lounges on preferential terms.
5. Translations on VKontakte and Odnoklassniki.
6. Preferential loan payments.
7. Bonuses MasterCard programs Rewards.
8. All conveniences of use mobile applications and much more.

What is MoneySend from MasterCard

MoneySend is a unique option service that allows you to comfortably transfer and receive money in the following ways:

1. Transfers between cards via internet/mobile banking, ATM or mobile phone.
2. Withdrawal through any ATM, Russian Post website and system money transfers.
3. By card number in salons cellular communications, points of money transfer systems, Russian Post offices and terminals.
4. Transfers to a card from an electronic wallet.

All you need is the number and expiration date of the recipient's card. To transfer money, you can contact the operator of the nearest bank branch. In this case, you will not have to worry about the details, fill out forms and stand in queues, and upon receipt, worry about the safety of large sums.

MasterCard SecureCode – reliable protection