Black card of Sberbank (black edition). Mastercard World Black Edition - conditions and privileges What conclusion can be drawn

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High incomes and considerable monthly expenses will allow you to pay attention to one of the varieties of premium plastic. The special black card of Sberbank is designed for wealthy people, it includes very profitable options and numerous bonuses associated with the current program and payment system.

Advantages of the Sberbank black card

According to its conditions, cost of service and restrictions, the black edition is not much different from the platinum. The difference lies in one important point. Black plastic from Visa will allow you to participate in the lending program; platinum applies to debit cards.

1. The potential owner receives a tempting special bank offer.
2. The cost of servicing is not considered too high for the segment; early repayment is allowed in the absence of hidden fees.
3. The bonus program includes the highest rates, especially for non-cash payments.
4. Additional privileges are provided: discounts, accumulation of miles and bonuses, provision of medical and legal assistance.
5. Mobile banking services and urgent reissue in case of loss abroad are provided free of charge.
6. The accumulated points are used to purchase various tickets, pay for taxi trips and goods in the partner network.

General characteristics

Studying the basic conditions will help you evaluate the benefits of black edition. Among them are:

• annual maintenance cost not exceeding 4,900 rubles;
• increased lending ceiling, from 600,000 to 3 million rubles;
• a statutory rate starting at 21.9 percent;
• discounts at gas stations, catering outlets and taxis up to 10 percent;
• payment in supermarkets, allowing you to return from 1.5 to 5 percent;
• risk insurance for foreign trips, including medical and information, legal and technical support;
• assigning a personal manager, emergency free production and delivery of plastic due to damage and loss;
• provision of up to 1000 miles upon activation and their accumulation (at the rate of 60 rubles - 2 miles);
• benefits for air travel and visiting airports, including a 20 percent discount on transfers and a refund of 600 euros in case of flight cancellation or delay.

You will not have to pay for the SMS notification service. After registering in your account, you will always be able to make calculations using the bonus calculator, learn about offers and bonuses related not only to the Visa and MasterCard systems.

Receiving bonuses

Bonuses are accrued according to a certain system. The developed scheme allows:

• return up to 0.5 percent for purchases paid by bank transfer;
• increase the amount to 1.5 percent after visiting and purchasing products in a large retail chain;
• raise the bar to 5 percent by visiting a restaurant or cafe;
• provide a 10 percent cashback by using the services of a gas station, taxi or Internet services.

The transport world mastercard guarantees the gradual accumulation of miles. They are usually exchanged for air tickets. The implemented chip will allow you to use contactless technology when paying if the amount does not exceed 1000 rubles.

Accumulation of bonuses

Regular trips around Russia and abroad or the habit of spending considerable sums every month while shopping lead to the need for choice. Conditions and lending programs are studied in your personal account.

A black credit card is selected that meets the requirements put forward. An application is submitted, an agreement is signed and the annual package is paid. Manufacturing will take up to 2 weeks.

Activation and participation in the bonus program occur virtually simultaneously after the first payment and registration procedure. All you need to do is receive an SMS and enter the code.

Points are accumulated according to the standard scheme. One bonus is equal to one ruble spent. The calculator on the official page will help you make the calculations. Compared to classic cards, the number of bonuses increases 20 times and accumulation occurs at an accelerated rate.

How to apply?

The impetus for the registration procedure can be a message sent to the phone or to your personal account. The offer is made in the office during the visit. The answer is given personally, with a click and a reply message.

You are allowed to submit your application through your account. The requirements are studied and the card registration button is pressed. It’s a little easier for regular clients and salary project participants; they won’t need an income statement.

A positive decision will allow you to sign the agreement and wait to receive the card in your hands. Manufacturing takes from 10 to 14 days, but it is better to monitor this process.

Set of client side requirements

The potential owner of a black edition must meet a number of established criteria. These include:

• availability of a passport certifying Russian citizenship and a stamp of permanent or temporary registration;
• reaching the age of 21 and up to 65 years inclusive;
• official work experience of at least six months (you must work for one year over a five-year period);
• statement of regular income (NDFL-2).

It is not necessary to look for guarantors and mortgage the property. A positive aspect is an undamaged credit history.

Features of card provision

You should adhere to a certain algorithm of actions, moving from one stage to the next. Large bonuses are guaranteed and require a special approach:

• familiarization with the product takes place;
• the prepared application contains an indication of the purpose, details and passport data;
• a package of documentation is collected, depending on the degree of cooperation with the bank;
• an agreement is prepared, including the rights and obligations of the parties;
• a decision is made on the issuance and limit;
• signing will make it possible to receive a contract with a code designation;
• You will be able to pick up the card after production; the message must be sent by the attached manager.

All that remains is to register in the bonus program and immediately use the due discounts and benefits. Especially when constantly visiting members of the affiliate network.

Promotions and special offers

It is better for new clients to immediately register an account and connect the mobile application. Premium plastic is exempt from monthly payment. You just need to pay for the package of services.

Information about discounts and special offers will constantly appear on your account pages or arrive in the form of SMS to the smartphone linked to the card. It will not be superfluous to subscribe, which allows you to set up an email newsletter. Additionally, they install applications from partners.

Terms of use and interest

Terms of use are typical for the premium segment. It is enough to pay 4,900 rubles for the package and actively use the credit card at your discretion for three years.

The special offer indicates the inclusion of a rate of 21.9 percent. Other clients will be able to count on 25.9. In this case, the penalty will lead to an increase and increase to 36 percent per annum.

Cashing out at self-service devices threatens to include a rate of 3 to 4 percent (starting from 390 rubles). Using third party ATMs will result in an additional fee.

The credit limit starts at 600 thousand and grows to 3 million rubles. You will be able to receive no more than 100,000 rubles in cash at the terminal per day. The office cash desk will be able to give out up to 300 thousand rubles.

Advantages and disadvantages

Premium plastic created for active users. The monthly turnover of funds usually reaches 150 thousand rubles.

1. The loan amount has been increased at a low interest rate.
2. Contactless payments make payments easier (up to 1,000 rubles) and increase security measures.
3. Insurance programs and support justify the cost of the service package.
4. Discounts and promotions are constantly offered. Bonuses accumulate quickly, taking into account payments for purchased goods and services, flights and travel, visits to restaurants and gas stations.
5. Management is carried out from a smartphone and in your personal account. It is possible to prevent the formation of debt and transfer money to the account in a timely manner.
6. Withdrawing cash in the regions and abroad is not difficult.

The number and size of bonuses are growing significantly. Privileges make plastic especially attractive and will help you save a lot. The disadvantages include:

• a considerable amount of annual maintenance;
• profitability should reach up to 28,000 rubles when servicing in an affiliate network;
• when visiting other retail outlets and restaurants, the payment amount increases to 82 thousand rubles;
• Missing a payment will result in a sharp increase in the rate and overpayment.

Black will be of interest to people with high incomes and businessmen who prefer non-cash payments. Withdrawals will not allow you to take full advantage of the bonus program.

Conclusion

This prestigious product will take its rightful place among other plastic cards. An interesting design immediately attracts attention and raises the status of the owner. Unavoidable expenses can be significantly reduced and the cost of maintenance can be recouped without much effort. Bonuses and discounts promise significant privileges. Mobile and Internet banking allow you to track your balance and conduct transactions regardless of your location and time of day. A personal manager will always come to the rescue in difficult times. Linking to an electronic wallet is carried out. A sudden loss will only lead to an emergency reissue without additional expenses. Individual insurance covers the purchased product and is issued for 3 months. Medical insurance is purchased on favorable terms.

After a year of use I will write a review on the credit card

These are premium credit cards with a limit of up to 3,000,000 rubles.

A few months after receiving a mortgage, an offer with an approved credit card appeared in Sberbank’s personal account.

To be honest, this was very helpful. The renovations in the apartment were completed, but there were no appliances, furniture, etc. in it at all. And vacation is just around the corner. Still, they want everything at once.

Don’t go anywhere on vacation and buy all the equipment, or go on vacation and sleep on the floor)

We decided to cheat and use a credit card) So that we could pay for it for the rest of our lives.

Maintenance cost

4900 rubles per year.

Why so expensive? The card is considered premium. She has additional bonuses, which I will talk about below.

In the meantime, you can just tell everyone that you have a “luhari”/platinum card))

Receiving a card

After the mortgage, in which we provided all documents confirming income, no additional certificates were required. They simply confirmed their consent to receive the card and within a week, it seems, they received it from the bank.

If you have a good credit history, you will most likely be approved for this card too.

Interest on credit card

If you have a personal offer - 21.9%

In other cases higher.

Increased bonuses

Let's move on to the sweetest part - increased bonuses for purchases.

If you have ever had a Sber card no later than 10 years, then you have heard about bonuses. They are awarded per purchase. 0.5% from each purchase.

This card has increased bonuses for some categories of purchases. You can get up to 10% bonuses.

10% bonuses - when paying at a gas station, Yandex Taxi and Gett taxi
5% - when paying in cafes and restaurants
1.5% - in supermarkets

What other privileges?

Access to the VIP lounge at Sheremetyevo for 1,500 rubles.

It’s already better at some airports in European cities - free access to the VIP lounge: Vienna, Prague, etc.

That’s all, alas) I haven’t found any more “platinum” for myself yet)

There are also discounts in different stores. You can see all the discounts on the website, but they only work when you enter a code on the seller’s website or if you tell the seller a special code. That is, there will be no automatic discount if you pay by card. From less well-known stores, I saw a discount in Rendezvous, Body Shop and Shokoladnitsa. But all promotions are temporary. That is, in order to use them you need to constantly monitor the list of promotions, remember the codes and call them on time)

All the most delicious bonuses on the card Visa Signature. If we ever choose a platinum card again, we'll take it. There are a lot of “goodies” there.

Is the cost of service worth it?

In our family, yes, it pays off. Now we only use this card. My husband linked his card to Apple Pay and pays with his phone, and I go with his card and pay with it. I have already abandoned my card.

Now let's get into my wallet))

May 2018

Consumption 86,810 Rubles

Bonuses received - 1920.32 rubles

Attention! You will receive bonuses only for every 100 rubles of expenses. SberBank rounds down.

That is, if the purchase was for 80 rubles, then you will not receive ANYTHING! Muhaha!

4900 maintenance per year divided by 12 months = 409 bonuses per month must be received in order for the card maintenance to pay off

409 bonuses per month = about 30,000 rubles only in supermarkets | about 4,000 rubles only at gas stations | about 4,000 rubles only on trips to Yandex or Gett Taxi | About 8,500 rubles only in a cafe

If any of the above suits you, then the card will at least pay for itself. For a family, even without children, with 1 car, shopping in supermarkets, and maybe sometimes taking a taxi, the card will definitely be beneficial.

This card even brings us income. Credit card with income)

How many bonuses did we earn in a year?

I wanted to see statistics on bonuses for the year, but the data is stored only for 2 months, it turns out.

I collected statistics from Ozone.

Since July last year, 12,715 bonuses have been spent.

As of today, there are 5564.53 bonus rubles left.

It was not possible to restore the write-off of bonus points at Burger King, so maybe there were more.

It turns out that we earned at least 18,279 bonus rubles in almost a year.

The card paid for itself almost 4 times!

Of course, not everyone will find it convenient, but you can only spend bonuses with partners or on Sberbank services, but it suits us.

We usually spend bonuses on Ozone, at Burger King.

What about loans?

Do not think that I encourage everyone to use credit funds and pay interest to the bank. Not at all. We return money within the grace period. They only went “on credit” when they bought equipment within 1 month and went on vacation. Only then was the card used as a credit card)

For those who don’t know, you can use a credit card without interest if you repay the money within the grace period.

I believe that you can pay the bank to use something right here and right now, rather than saving for a few more months/years. This is the choice of everyone. For me at that time, debts were less significant than not taking advantage of the vacation that fell in the summer, or living in an apartment without furniture and equipment, in bags and boxes.

I do not recommend taking out loans spontaneously. Even before you apply for a loan or credit card, you should know what you will have to pay and how long it will take to pay off your debt.
Loans are addictive!) Be careful!

The interest rate if you borrow money is quite high - 22%. It’s easier to get a consumer loan for the required amount if it’s “not on fire.” The interest rate on consumer loans is now about 15%, which is much more profitable.

Credit cards have higher interest rates because they are mobile. You don't need to apply every time - use it when you need it.

If you are an ardent opponent of credit cards, then try ordering a debit card with the same increased bonuses and you will be happy.
Conclusion

The card really gives increased bonuses, no deception.
But Sberbank is not unique here.

I know that a year ago AlfaBank had the same card, but the service was 1000 rubles cheaper.

Cards from Tinkoff Bank also have increased cashback for some categories.

Study carefully and choose the best card for yourself.

What is a credit card and how is it different from a debit card?

A credit card is a card for making purchases on credit. Unlike a debit card, which holds your own money, a credit card holds the bank's money. You can use this money to buy goods in stores and online. You can even transfer money to friends or family or withdraw cash from an ATM, but keep in mind that the bank will charge a fee for these transactions.

How to choose a credit card?

When choosing, pay first of all to the size of bonuses for purchases, the cost of service, the size of the credit limit and privileges from the payment system.

At what age can you get a Sberbank credit card?

Any Russian citizen aged 21 to 65 years inclusive with permanent or temporary registration in any locality of the country can apply for a credit card. The bank makes a decision on issuing a card and the size of the credit limit individually.

What is a pre-approved card offer and how do I know if there is one for me?

A pre-approved offer is an offer from a bank to issue a credit card with a pre-approved credit limit. If you receive such an offer, this means that the bank is highly likely to approve you for a card.

To find out if there is a pre-approved offer for you, . If there is an offer, you will immediately see the approved credit limit and preferential conditions. The card will be delivered to the branch of your choice.

How to start using a Sberbank credit card?

After receiving the card, first of all, make sure that your first and last name in Latin transcription is correctly indicated on its front side. Then sign your name on the reverse side in the signature line.

How to pay by card in stores and online?

In the shop. Tell the cashier you are going to pay by card. Insert the card into the payment terminal and enter the PIN code. If you have a card with contactless payment, simply present it to the payment terminal. Purchases over 1,000 rubles require entering a PIN code. The cashier may also ask you to sign a check.

In the Internet. On the payment page in the online store, enter your card details. To confirm payment, an SMS with a code will be sent to your phone. Be careful: you do not need to enter a PIN code when paying online - it is dangerous.

How to pay interest on a Sberbank credit card?

Interest for using credit funds is debited from the card automatically, so you don’t need to do anything special for this. But if you manage to return the money during the grace period, which lasts from 20 to 50 days, you will not have to pay interest.

How to avoid credit card interest?

To avoid paying interest, try to repay the purchase balance within the interest-free period.

For example, the report date for your card is October 1, which means the grace period begins on October 2. If you made a purchase on October 2, you have 50 days to repay the loan without interest, that is, until November 21. If you make a purchase on October 20, then there are 32 days left until November 21 to repay the full amount of the debt without interest.

What transactions are not covered by the grace period?

The grace period does not apply to amounts of cash withdrawal transactions, transactions in casinos and sweepstakes, payments for online games, purchases of foreign or cryptocurrency, traveler's checks, lottery tickets, non-cash transfers, including transfers to electronic wallets, as well as amounts exceeding the limit loan.

Where can I find out the date of my credit card statement?

There are three ways to find the credit card statement date:

On your credit card report. The card report is sent monthly by email the day after the report date.

In your Sberbank Online personal account. In the Cards section, select your credit card, and then click the Card Information tab.

Call the 24-hour contact center at any of the numbers: 900- for subscribers of MTS, Beeline, Megafon and Tele2 in Russia. Free when in your home region and in intranet roaming.

8 800 555-55-50 (free in Russia)

+7 495 500-55-50 (for calls from anywhere in the world)

How to top up a credit card?

You can top up your credit card in several ways:
1. Transfer from a salary card to Sberbank Online or through an ATM.
2. Top up the card with cash through an ATM or with the help of an employee at the Sberbank office.
3. Transfer from a card of another bank to, as well as in the Sberbank Online mobile application.
4. You can top up a blocked credit card to or arrange a transfer from a third-party bank account.

Crediting the transferred amount to a credit card in the Bank's internal network - from 15 minutes, but no later than the next business day.
Replenishment from cards/accounts of third-party banks - no later than the business day following the day the funds are received by the bank.

Is it possible to transfer money from a Sberbank credit card?

Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - yours or any other client.

Please note that for transfers from a credit card a commission is charged in accordance with the Bank's tariffs, including when transferring your own funds. .

How to increase the credit limit on a card?

The decision to increase the credit limit is made by the bank. If you actively use the card, the bank may decide to increase the credit limit amount. If you have not used a credit card for a long time or have not used it actively, the bank may offer the client to reduce the limit on the credit card. Such offers usually come via SMS.

Mastercard Black Edition credit card is a premium product of the Mastercard payment system. 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;
• extended grace period;
• participation in bonus programs;
• incentives and discounts up to 30% for the purchase of certain goods and services;
• Priority Pass, that is, access 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 provides 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 of MasterCard World Black Edition is the free Concierge service from the payment system partner Aspire Lifestyles. 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

UralSib Bank provides the card under the following conditions:

• annual maintenance of both the main card and an 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.