Raiffeisen Bank debit cards. Raiffeisen Bank - Card "Visa Platinum Travel Premium Rewards" rubles Premium direct package Raiffeisenbank

The Raiffeisen Premium package of services is designed for clients who value their time and want to receive banking services of the appropriate level and additional privileges.

Features and privileges of Premium Direct at Raiffeisen

The cost of service under Premium Direct at Raiffeisen is 1,500 rubles per month.

Payment will not be charged if one of the following conditions is met:

• The balance at the end of the reporting period on all accounts is from 1 million rubles;
• Performing transactions using Premium cards – from 75 thousand per month;
• Receipt operations (for payroll clients) – from 300 thousand;
• Payments exceed 25 thousand per month, and the balance at the end is 0.5 million.

The Premium Direct package includes the following services and features:

• A separate Premium Line for consultations and information over the phone.
• Concierge service. A dedicated Raiffeisen assistant will carry out any client’s instructions, transmitted over the phone or in person: booking a table in a restaurant, buying tickets for events, checking in for a flight, delivering flowers, choosing a gift from a special catalog. The assistant will also be able to organize a trip or holiday event over the phone upon a separate request.
• Insurance for travel abroad, incl. for the family of the owner of Premium Direct, no charge. The policy includes coverage for medical expenses under conditions suitable for obtaining a visa to most countries. Also includes legal assistance, compensation for losses in case of trip cancellation, assistance in case of lost luggage (administrative and financial - up to $1,500).
• A financial consultant will develop a strategy for increasing and saving funds, assess risks in order to be able to protect against unforeseen circumstances, identify the consequences of various financial decisions, and draw up a plan to ensure maximum profitability. Financial analytics are available in Internet banking, by phone or at the Raiffeisen office.
• Renting a safe deposit box at reduced rates: -20%.
• Systematic offers on special terms for other banking products. You can get information about current offers for Premium Direct owners by calling Raiffeisen (special line).

Cards as part of the Premium package

The owner of the Premium tariff has the right to issue up to 5 debit cards and up to 3 credit cards on a free basis, which have the following advantages:

• The SMS notification service is activated free of charge;
• If you lose your plastic outside the country, Raiffeisen will arrange for you to receive cash free of charge on an emergency basis in any city;
• Platinum cards are issued on an urgent basis without additional payment;
• Increased restrictions on withdrawals and online transfers – up to 500 thousand rubles.

As part of the Premium package, a Raiffeisen client can issue Platinum level debit products from Visa and MasterCard, as well as Buy&Fly Premium Rewards Mastercard. The latter card provides access to the MasterCard business lounge in Sheremetyevo and the accumulation of miles for non-cash payments, which can subsequently be used to pay for train tickets, air tickets, hotel reservations or transfer orders.

Credit cards offer the possibility of obtaining a loan of up to 1 million rubles and an interest-free repayment period of up to 50 days.

They are presented in the following types:

• Platinum Premium MasterCard or Visa;
• Visa Platinum Travel Premium: accrual of miles (increased when paying on the iGlobe.ru website), free withdrawal abroad;
• Austrian Airlines MasterCard World: earning miles with the Miles and More program.

If a Premium tariff holder decides to order a Raiffeisen card in excess of the agreed quantity, 3,000 rubles will be charged for each issue.

Conclusion

By purchasing the Raiffeisen Premium package, the client receives several cards of the Platinum and Premium categories with free service, some of which allow you to accumulate bonuses that are beneficial for travelers. Additional privileges are also provided: a separate telephone, premium service, consultant, concierge service, insurance, etc. You can also use Premium Direct features free of charge if you comply with the conditions for maintaining a balance or making payments from the card.

In principle, a normal bank... or more, probably, a broker - it seems that they want to force all clients to become investors)) I just use the card, the bonuses are not bad, there is cashback - everything is like with people. If it weren’t for the constant calls and letters with offers to “think about investing,” everything would be normal... Oh, and the exchange rate is good. But I don’t want to be a trader, and I’m tired of persuasion.

Sergey Perlov, Moscow

Refund of funds, the ATM did not dispense cash upon withdrawal due to a technical fault

Credit Bank of Moscow

On February 13, 2019, I withdrew cash from an ATM of PJSC MKB in the Kuntsevo Plaza shopping center, located at: Moscow, st. Yartsevskaya, 19 (hereinafter referred to as the ATM), in the amount of 8,000.00 (Eight thousand) rubles. The ATM did not dispense cash; the cash withdrawal operation was carried out using my current account statement. By telephone, MKB PJSC was informed that the ATM had a technical error status and was then transferred to...

Vera, Moscow

Extra money is returned

I hasten to show off the gift! For my birthday, my husband gave me a brand new card, WEEKEND, from MTS Bank. The card is not a credit card, but it is not empty either; of course, he put money there in advance. The gift turned out to be all the nicer because before the weekend she gets cashback, 1% on all purchases, but after my friends and I went to a restaurant - 5%. And then they also left by taxi, from these expenses also 5%. Not in the cinema yet...

Kira Smelyakova, Moscow

The bank has been unable to resolve its mistake for almost a month now.

Tinkoff Bank

In principle, the service is good, it was my number 1 bank until one unpleasant situation. My card was demagnetized and I blocked it to order a new one. Naturally, before this, I transferred the money to the card to another bank, so that while they were making the card for me, I could use it. We must give credit to the bank; the card was made and delivered very quickly. BUT THE AMOUNT THAT I TRANSFERTED TO ANOTHER BANK FOR SOMETHING...

Yuri Kamshitsky, Moscow

About reliability and convenience

I have been a client of the bank since the beginning of the 2000s (since Investsberbank, since 2008 - OTP). I met branches of the parent bank in completely different European countries, incl. in the post-Soviet space. I used ATMs there and paid for purchases and services with a card. During this time, I did not encounter any difficulties when interacting with the Bank, changing cards according to the expiration date, making deposits (by the way...

Mikhail, Moscow

Very comfortably. Thank you

Loko-Bank

Our accountant is an aunt of the old school and, it seems, she is eternal. She put us all on the World and in the very bank where you can even breathe according to an agreed schedule. I won’t describe the inconveniences and what I generally think about this card and bank, since Russian literary speech is required here. Irina, a manager from Lyublinskaya, was able to defeat our accounting titan and helped get me the right to receive a salary...

Alexander, Moscow

Premium service represents the highest possible level of banking service, which is intended for the wealthiest clients who need such a range of services and are able to pay for them.

Conditions

Premium services at RaiffeisenBank are provided within two service packages:

• Premium Direct;
• Premium Banking.

The Premium Direct package is characterized by:

1. Remote management of accounts and cards:

• Providing a personal remote manager with whom you can communicate by phone or email to resolve financial issues in any convenient place;
• Access to Internet banking to control accounts and cards and make transactions online;
• Access to the Telephone Bank for transactions with accounts and cards in any geographical location.

1. Possibility of financial diagnostics.

Financial diagnostics is a tool with which you can assess your current financial situation, determine opportunities to improve it, find the most financially comfortable areas, and take advantage of banking products on preferential terms. Recommendations for diagnosis are developed in accordance with the economic principles of personal budget management. They are prepared by the Bank's internal experts. Based on the diagnostic results, a financial strategy is formed to create capital, accept new loan obligations, compensate for unforeseen expenses, and protect assets. Diagnostics can be done via Internet Banking.

1. Possibility of profitable placement of money.

Premium clients are provided with accounts and deposits where they can profitably place their money.

1. Issue of bank cards.

Cards can be debit or credit, Platinum, Gold, Classic and other categories.

1. Use of premium services and privileges.

• When leaving Russia, there is a free insurance program developed by the Bank together with the Cardiff company. It provides service in any territory beyond 100 kilometers from the borders of a populated area where the client is permanently registered, actually lives or works. Service can be obtained on trips whose duration does not exceed 90 days. The insurance applies to both the client and his family members - spouse, parents, brothers and sisters, children.
• All cardholders can use the "Concierge Premium" service to obtain information about hotels, restaurants, transport, recreational facilities, purchase tickets, book rooms, receive assistance in case of loss of documents, and use courier services. The service operates year-round and 24 hours a day.
• Clients are provided with discounts and special offers in partner companies. In particular, there are programs “World of Privileges” from the International payment system “Visa”, “MasterCard Priceless Moscow”.

1. Lending on preferential terms.

Reduced rates are provided for loans for Premium Card holders.

The “Premium” service package is serviced for 1,500 rubles monthly.

• The total balance (accounts, contributions, investments) for the month is more than 500,000 rubles, and expenses on goods and services from Premium cards are not less than 25,000 rubles; or
• The permanent balance exceeds 1,000,000 rubles at the end of each month; or
• Expenses for paying for goods and services with Premium cards are not less than 75,000 rubles per month.

You can place money in three deposits:

• "Welcome!";

It can be opened until the expiration of 31 calendar days from the date of registration of the Premium package.

The following rates apply:

• "Investment"

When opening such a deposit, part of the money is placed in a time deposit account, and part is invested in mutual funds managed by the Bank.

The following rates apply:

• "Insurance".

The deposit involves not only investing money, but also financial protection of the client’s family from the company IC Raiffeisen Life. The deposit amount is calculated taking into account the insurance premium when opening a deposit under the Raiffeisen Perspective or Raiffeisen Kinder programs.

The following interest rates apply:

The Premium Banking package is characterized by:

1. Providing personal service.

• Each client has a personal manager who solves financial problems and gives advice;
• To serve Premium clients, special rooms with increased comfort and confidentiality have been opened;
• A separate Premium Line is available 24 hours a day, seven days a week to answer questions;
• Development of a financial strategy and risk profile, recommendations for short-term and long-term investments, protection of savings.

1. Possibility of placing money:

• Mutual investment funds managed by Raiffeisen Capital;
• Possibility of transferring savings to individual trust management;
• Use of financial protection programs: “Raiffeisen Perspective”, “Raiffeisen Optimum”, “Raiffeisen Kinder” - to form savings for specific purposes or by a selected date;
• Depositing money into deposit accounts similar to the Premium Direct program.
  • Travel insurance on the same terms as under the Premium Direct program;
  • Providing a Priority Pass card for access to 600 first class and business class lounges at Domodedovo, Sheremetyevo, Pulkovo, Vnukovo airports, regardless of ticket status, for the client and his companions.
  • Access to the Concierge Premium program under the previously stated conditions.
  • Use of discounts and privileges, as with the Premium Direct program.

1. Additional services and privileges:

The Premium Banking package is serviced for 3,000 rubles monthly.

Service is free for clients who:

• The total balance (accounts, contributions, investments) exceeds 1,000,000 rubles at the end of the month, and expenses for paying for goods and services are at least 25,000 rubles per month; or
• Constant balance over 2,000,000 rubles monthly.

Documentation

If the client applies for a package of services without ordering credit cards, it will be sufficient to reach the age of majority and present a passport.

To receive a credit card, the client must meet a number of requirements:

• Receive an income of at least 20,000 rubles in Moscow and the Moscow region and 15,000 in other regions minus taxes;
• Be permanently registered in the region where the Bank operates;
• Constantly work in the region where you apply for a card;
• Reach the age of 23 years on the day of application and not reach the age of 54 years 9 months for women and 59 years 9 months for men on the day of debt repayment;
• Reach the age of 16 to receive an additional card;
• Have at least four months of experience in your current position;
• Have a mobile and work phone;
• Do not have an outstanding criminal record;
• Be a citizen of Russia;
• Consent to the processing of personal data and transfer of data to credit history bureaus.

To conclude an agreement, the following documents must be submitted:

1. Required:
2. Additional:

• Statement;
• Questionnaire;
• A copy of the completed passport pages;

• Income proof:

— A statement issued by the employer’s accounting department and certified by an authorized person on the calculation of wages for the previous four months (when receiving wages into a bank account for two months or more, a 2-NDFL certificate may not be submitted);

— confirmation of ownership of the car - a copy of the vehicle’s passport or registration certificate, as well as a driver’s license;

- a copy of the pages of the international passport with a visa or a stamp about moving across the Russian border no earlier than a year before the application;

— certificate of income in the form of the Bank, certified by the employer.

In case of failure to provide documents confirming income, the maximum credit limit is 150,000 rubles.

Documents are reviewed within a period of one hour to two working days.

Competitors

Service packages of a similar level can be obtained from Alfa-Bank, Rosbank and KIT Finance Bank.

Alfa-Bank offers the “Maximum” package, which allows you to use personal service in VIP-class modules in Bank branches or in the offices of managers, the services of personal managers, order up to four Platinum cards, use the concierge service, order cards with an individual design, open current accounts in rubles, dollars, euros, pounds, francs, change the account when traveling to another country, use increased cash withdrawal limits - up to $15,000 per day and up to 1,500,000 rubles per month and increased transfer limits in Internet banking - up to 400,000 rubles per day and up to 80,000 rubles per day to pay for services, transfer money in foreign currency without commissions, convert currency with a commission of 0.5%, get a credit card with a limit of up to 1,000,000 rubles and a 100-day grace period, receive an insurance certificate with compensation of 100,000 euros, use medical and legal assistance abroad, free transfers from airports, access to airport business lounges, purchase a PriorityPass card with a discount of over 25%, use fast track at airports, use concierge service. The package is serviced for 3,000 rubles monthly with a minimum balance of up to 1,500,000 rubles or equivalent and free of charge if the specified amount is exceeded.

Rosbank issues an “Exclusive” package. It is serviced for 600 rubles per month with a total monthly account balance of at least 500,000 rubles, and 400 rubles per month with a balance from 500,000 to 1,500,000 rubles, and with a balance over 1,500,000 rubles, the service is free. As part of the package, you can open up to six accounts in rubles, dollars or euros, receive one Platinum card, connect to the Internet Bank, Telephone Bank and Bank-Client systems, enjoy 15% discounts on safe rentals, connect to privilege programs from the Bank and payment systems, receive two additional cards of any status, the cost of which, depending on the status, is from 350 to 4,500 rubles per year, receive additional partner cards worth from 350 to 2,600 rubles per year.

KITFinance Bank offers a “Premium” package of services, which includes bank Gold or Platinum bank cards, free additional cards with increased interest on account balances, connection to Internet banking and Telephone Banking, insurance programs, the “Life” discount and privilege program in Premium style. A package with the issuance of a Gold card is serviced for 4,000 rubles per year, and a package with the issuance of a Platinum card is 9,000 rubles per year. The minimum balance on a Gold Card account must be from 60,000 to 300,000 rubles or equivalent. Interest is charged at a rate of 7% for ruble accounts and at a rate of 2% for accounts in dollars and euros. The Platinum Card account balance must be from 100,000 to 500,000 rubles or the equivalent in order to receive 10% on ruble accounts and 3% on accounts in other currencies. The package, regardless of the cards, includes medical and legal support and insurance outside Russia, Concierge service and a personal manager.

Banking products have taken root in the life of almost every modern person. For example, cards are a very convenient means of non-cash payments, and their debit varieties are especially popular. Naturally, before designing a specific option, a potential client needs to take into account the main points, of which there are sometimes quite a lot.

Definition

So, a banking organization issues a plastic payment card intended for settlements using funds belonging to the client. The person places them on this account independently, the amount that he has.

The Raiffeisenbank Buy&Fly WBE debit card is a piece of plastic measuring 85.6x53.98 mm. Some financial institutions offer to receive it in a different format, for example, one that can be built into a keychain and carried with you at all times. Both registered and non-registered instruments of various systems (Visa, MasterCard, MIR) are issued.

Cards of any type in the Russian Federation are equipped with special chips for storing data. Some also have a magnetic stripe for compatibility with older devices.

How to make a choice

Financial institutions offer potential clients a variety of products, and understanding such a wide range is not so easy. What points should you pay attention to:

• cashback;
• interest on the balance;
• annual maintenance cost;
• issuing bank;
• methods of depositing and withdrawing cash;
• the amount of commission fees;
• availability of overdraft, conditions for it;
• the ability to create an individual plastic design.

What are the advantages

Buy&Fly WBE Raiffeisenbank card is a profitable and convenient tool for paying for everything its owner needs. This product has many advantages:

• Additional savings due to various options.
• Increased security.
• Convenient payment for purchases in online stores.
• Even greater privileges for those who choose VIP plastic.
• Possibility of receiving cash and making payments anywhere in the world.
• High-quality and inexpensive service.

About use

To make a payment in a store, just insert the card into the terminal or bring it to the reader (contactless payment). To make paying even more convenient, you can link the instrument to a mobile payment system.

In online stores, the required details are indicated on the corresponding page and, if necessary, a one-time password is entered from SMS.

Cash is withdrawn from ATMs and cash desks. In this case, the client specifies a PIN and then follows the prompts of the device or operator.

Parameters for various available products are conveniently displayed here on one page. The user sees all the information and can immediately compare it to highlight the appropriate options. The necessary calculations are carried out using the online calculator located right there. Having completed the search, the site visitor clicks the “Online application” button and proceeds to fill out the form.

Premium service is available in every financial and credit institution. To make the right choice, it is important to understand two things - the range of services and privileges and the quality of staff service in the premium segment of a particular bank. Let's analyze how well Raiffeisenbank Premium does this.

Premium service at Raiffeisenbank

The bank has only two packages of services that belong to the Premium level:

• Direct (aka Premium Direct);
• Premium 5 (aka Premium Banking).

There are no restrictions on registration - there are no requirements for minimum capital, use of other bank services, etc. But they are presented to everyone who wants to use the services of premium packages for free.

Services and tariffs of the Premium 5 package

The standard package maintenance fee is RUB 5,000/month.

No fee is charged if one of the following conditions is met during the billing period:

In addition, you will be relieved of the subscription fee by:

*** For fulfilling any of the conditions listed in the table, 1 point is awarded, for exceeding it twice - 2 points, etc.

The first month will always be free, but then you will have to choose which of the options (1 condition and a constant set of stars) will take into account your activity to cancel monthly payments.

A set of Premium banking services

According to the terms of the dedicated programs, it is accepted that premium clients, in addition to standard services,

In Premium Banking, as free benefits, customers are entitled to:

• The Prioriry Pass card is unlimited - you can visit any halls included in the program (full list on prioritypass.com) an unlimited number of times and bring an unlimited number of guests with you. The only caveat in this system is that the halls can set restrictions on their own, depending on the occupancy of the room (which is often complained about in reviews). The Premium Direct package does not include PP.
• Platinum insurance policy for travelers from the Alfa-Strakhovanie partner - a security amount of up to 100 thousand euros in specific cases, applies to the entire family after crossing the border of the country of residence and is valid for the first 30 days of the trip. The policy conditions in the Raiffeisenbank Premium Direct package are similar.

• Concierge service is mainly a solution to current problems - hotel and ticket reservations, meeting at airports, roadside assistance (for example, car towing), etc. According to reviews, so far this service at Raiffeisenbank is coping with its tasks with a C grade.
• Separate: telephone line and service hall - Premium Banking has equipped rooms where there are no queues and reception and service for all banking transactions are carried out. Premium Direct only has a dedicated phone number for communication.
• Financial consulting - you can contact us with any question regarding the placement or management of your money to receive a professional assessment of the situation. The result of work in this direction, of course, depends on the competencies of your assistant.

Premium cards of Raiffeisenbank

In the Raiffeisenbank Premium 5 package you can open up to 10 debit cards without a monthly service fee (excluding Buy&Fly, which costs 299 rubles/month).

Credit cards are limited only by your ability to pay.

In general, the choice of possible products in the Premium banking segment is small.

Debit:

• Visa Platinum;
• MasterCard World Black Edition;
• MasterCard Buy&Fly WBE (accumulation of miles for subsequent exchange for tickets, hotel reservations, etc.).

Raiffeisenbank premium payment cards have increased limits for cash withdrawals - 0.5 million rubles/day, 3 million rubles/month, free emergency cash withdrawal abroad and SMS bank as a gift.

• Visa Platinum Travel - accumulation of miles for subsequent spending on Iglobe.ru
• MasterCard WBE Austrian Airlines - accumulation of bonuses for flights with specific airlines.

Lending terms

The use of borrowed funds by Premium Banking clients is not very different from standard ones, just like by owners.

Credit cards are issued at a fixed interest rate - 29% per annum and have an increased limit - up to 1 million rubles. Otherwise, the conditions are identical to standard offers - the grace period is up to 52 days, and cash withdrawal increases the rate to 39%.

Rates for consumer lending start at 11.99%, and the limit is limited to 5 or 9 million rubles (depending on the presence/absence of collateral).

Allocation of funds and profitability

Not to say that Raiffeisenbank Premium Banking offers excellent conditions for increasing your savings in standard ways - the yield on deposits and savings accounts fluctuates in the range of 4.5-6%.

According to reviews, the most attractive in Raiffeisenbank Premium are mutual funds, which are distinguished by their stability and profitability, trust and brokerage management, which provides greater opportunities to use financial potential and increase income.

Differences of the Raiffeisenbank Premium Direct package

Direct is fundamentally different from the Premium package:

• Cost and terms of payment. The basic tariff is 1,500 rubles/month, but the requirements for financial activity for free service are lower:

• The number of free cards included in the package is only 5 pieces. The release of subsequent ones will cost 3 thousand rubles each.
• Card category - for the Raiffeisenbank Direct package it is only Platinum.
• Lack of a Priority Pass card.
• Lack of separate service rooms.

Otherwise, the service conditions are the same - an individual telephone number for communication, concierge service, the opportunity to take out loans on favorable terms, interest rates on deposits at 4.5-6%, savings account - 5%. According to reviews, the Premium Direct package has a lower level of competence for financial advisors.