Black mastercard. Premium cards Visa Signature and World MasterCard Black Edition from Sberbank

Mastercard World Card – means of payment with the possibility of accumulation bonus points, which can later be spent on purchasing goods or services. It was developed for people who spend a lot of time traveling around the world, but are accustomed to a high level of comfort and service. When paying for services and purchases with a card, a person can count on the accrual of points, the size of which depends on the amount of the transaction performed. The payment method has a number of other advantages. To identify them all, you need to familiarize yourself with current information on the topic.

A little about Mastercard

If you study the means of payment that MasterCard issues, you will find out that they are all divided into 3 groups. A person can issue one of the following types of cards:

• entry level;
• classical;
• premium class.

Regardless of what type of payment instrument he or she owns, the user can pay for goods and services, as well as withdraw cash. In addition, you can connect SMS alerts and Internet banking to all types of cards.

However, there are differences between types of payment instruments. They are as follows: additional bonuses which the bank is ready to provide. Thus, the owners of premium payment instruments have the largest list of privileges. In the MasterCard system this is:

• Mastercard Gold;
• MasterCard Platinum;
• MasterCard Word.

MasterCard World: advantages over other means of payment

Unlike most plastic cards, MasterCard Word was specially designed for the modern person who travels a lot around different countries, accustomed to comfort and safety, regardless of where in the world he is. Advantages of MasterCard World are aimed at meeting the needs and solving problems that the modern traveler may face. Holders of a means of payment can count on the following benefits:

• if a person actively uses the card, he can gain access to VIP lounges at airports;
• annual maintenance is provided on special terms;
• you can get health insurance for up to 60,000 euros;
• the owner can use nearby special offers from Mastercard partners;
• lending can be carried out on preferential terms.

A person who has issued MasterCard World gets the opportunity to participate in bonus programs issuing banks and MasterCard partners.

MasterCard World: varieties

If the capabilities of the World payment instrument seem insufficient to a person, he can expand them by using one of the advanced types of cards. Thus, the user can apply for MasterCard World Black Edition or MasterCard World Elite. Cardholders have access to the following bonuses:

• the ability to contact the concierge service to resolve any issues 24 hours a day;
• size health insurance increases to 200,000 euros;
• the owner of the payment instrument can become a participant in one of the unique programs offered by MasterCard;
• the card gives access to VIP lounges at airports Priority Pass;
• a personal manager will be assigned to the person;
• the cardholder becomes a participant in the bonus programs of issuing banks and MasterCard partners;
• the person is provided with an International Air Passenger Association IAPA card.

Among general list The opportunity to participate in bonus programs of Mastercard partners is especially highlighted. When making purchases and paying for them with a card, a person will receive bonuses. Having accumulated a certain number of points, the user will be able to exchange them for purchases or plane tickets. Some organizations are ready to accept bonuses as payment for hotel stays or communication services.

A similar service operates within the framework of the “Thank you from Sberbank” program, organized by the same name credit organisation. If you use a MasterCard World card, Sberbank of Russia will award bonuses in the amount of 0.5% to 30% of the purchase price.

Another partner payment system Mastercard – PJSC VimpelCom. Common people are used to seeing a company called Beeline. You can become a card holder at any of the company's offices. When making purchases, the client can count on bonuses in the amount of 1% of the purchase price. If the product was purchased on promotion in partner organization, the refund amount can reach up to 15%.

Mastercard World registration procedure

To become the owner of a means of payment, a person must contact one of Maxsterscard’s partner banks. Statistics show that most citizens prefer to issue cards at Sberbank. To obtain a Mastercard World from your organization, you must complete the following steps:

• contact the company branch;
• provide a passport of a citizen of the Russian Federation;
• fill out an application form requesting a card;
• study the documentation offered by Sberbank employees;
• leave a signature on the papers.

Online payment processing is not possible. However, using the Sberbank of Russia website, you can apply for a similar Visa Inc. product. To perform the manipulation, you will need to enter data into the online form. Theoretically, using this method, you can apply for various types of Mastercard World payment instrument. However, if a person wants to apply for a card without any problems, experts advise visiting a branch of the institution in person.

You can also register a payment instrument at the Beeline office. In addition to the classic questionnaire, the user will have to pay 500 rubles, which will be credited to the card.

When the manipulation is completed, the company’s specialists will provide the owner with a PIN code. The card is considered active and can be used for transactions. 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).

1. General information
2. Special dedicated areas for servicing Sberbank Premier cardholders
3. Personal manager and dedicated line “Premier” Contactless payment Visa PayWave
4. and MasterCard PayPass and Apple Pay connectivity.

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

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 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.

The convenience of using plastic cards is undeniable, but the emergence of new products never ceases to delight with expanded opportunities and special privileges. The exquisite black MasterCard card offers exclusive service to the most demanding and discerning clients. Cardholders of elegant anthracite color have access to many advantages, because respectable plastic with the magical phrase Black Edition convincingly emphasizes the VIP status of its owner.

Product advantages

Having received a MasterCard card Black Edition, equipped with PayPass® contactless payment technology, you can count on a lot of comfortable benefits and a high level of service:

• premium service;
• serious insurance coverage when traveling abroad;
• access to VIP areas of airports;
• significant discounts on purchases;
• special offers and service packages from banks issuing Word MasterCard Black Edition credit cards.

The last point is worth mentioning separately. For example, credit card MasterCard Black Edition Premier is reliable protection of funds in the event of loss or theft of plastic, compensation for losses in case of lost luggage while traveling, booking hotels and tickets to significant events. The MasterCard Premier card makes it possible to obtain a significant loan with moderate interest rates, as well as use mobile banking services.

How to get an elite credit card

Not all banks in the capital offer their clients exclusive black cards and the unique premium product World MasterCard Black Edition, which implies the VIP status of its holder. "CREDITZNATOK" comes to the rescue - for Moscow residents the company's website presents best deals and the most up-to-date information. You can compare the services provided by Moscow banks and choose the best option for yourself. Thoughtful filtering helps you quickly find what you need - rich Premier or World programs, debit or credit products, conditions acceptable to you. To become the owner of a Black Edition, fill out the form provided and wait for approval of the application, which can be submitted to several banking institutions. After registration loan agreement you will become the holder of a respectable plastic with an exquisite design on a black background - your reliable partner in the world of privileges and high level comfort.

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 also give their owner certain material advantages (for which, of course, you have to pay). Next we will show this with an example elite cards Sberbank, let’s 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 lies in the bonus programs of the payment systems themselves.

By purchasing Visa Gold, you receive additional privileges from the Visa payment system 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

Cards of a higher 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 assesses 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 card holders. 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 within 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 Grace period- 2 months from the moment of connection to the tariff plan. There is also no service fee 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.