Sberbank black card world mastercard black edition. Elite mastercard: world black edition and elite

VTB is issuing an elite class card, which has already received positive feedback from users. MasterCard World is a Privilege platinum card, also called visa black new line vtb - a visiting card of a business person, one of the most prestigious banking products that offers a number of discounts and bonuses.

Registration procedure

Making a card is a process that requires compliance with some nuances. And in order not to get into trouble, you need to familiarize yourself with them.

Holder Requirements

The holder must be registered in the area where the bank is located, a permanent place of work, as well as citizenship of the Russian Federation. Documents confirming the level of income are not required.

Terms of Service

It is really possible to issue a VTB edition card absolutely free of charge. In order for the free maintenance of the New Edition card to become possible, your banking history must contain at least one of the following financial details:

Maintenance cost

The VTB edition card charges an annual service fee of 10,200 rubles, i.e. just under $200. Payment is made at the VTB 24 cash desk. The grace period is 7 weeks. The amount of the minimum payment per month is exactly 3% of the amount owed, as well as interest on your loan. VTB customers have the right to order as many as 5 black cards for free. For subsequent editions, you will have to pay 5 thousand rubles. The rate is from 18% per annum.

Discounts and bonuses

With VTB black you can get additional bonuses. The bank accrues bonuses to the owners of the "Collection" package when making purchases with a black card. Features of the discount system are diversity. From restaurant chains to gyms, when paying with a New Edition card, you can find pleasant surprises that are limited for other debit cards or credit cards.

Benefits and Opportunities

Elite card gives the holder the opportunity to assign a VTB manager and consult with him about the black edition card. In all ATMs of VTB, as well as Sberbank and other banks, the cash withdrawal fee will not exceed 6%.

The limit for receiving cash from black elite is 300,000 daily, and within 30 days - 3 million rubles.

Contactless payment technology

Thanks to contactless payment technology, you can make all financial transactions remotely. All you need is a mobile phone, the Internet and, of course, contactless VTB black. In addition, this technology is part of a system of terminals located in public places. The essence of the technology is that you confirm the intention to transfer funds from your account using the black card data. After confirmation, the desired amount is automatically debited from the account.

Advantages and disadvantages

This technology gives you the opportunity to receive the desired goods without physical contact with the black card, which frees you from constantly carrying New Edition with you.

Among the minuses, one can single out the fact that your financial statistics on the VTB account may not be displayed correctly on the screen of a broken terminal if it is outdated and out of order. Service, accordingly, may be temporarily limited within your location.

Reviews

Sergey

When I issued an international mastercard elite black edition, it became much easier to control my finances. My credit money began to be deducted automatically. I even forgot about the loan for a while. I am pleased with the system of bonuses on deposits. I use, I follow.

Valery

I already had a VTB social card when I decided to upgrade my financial control and issue another world elite mastercard for greater freedom and control of my funds. Never regretted, meets the requirements. Thank you!

Denis

Thank you for issuing the black edition card. Evaluated its main features. I use it especially when traveling abroad. I like that it provides discounts in restaurants and other public places.

Paul

I became a privileged client of the bank when I actively began to buy air tickets - for myself, friends and company. I read on the site about the conditions of the package and reviews about it and realized that with my costs this is an ideal option. The cost of maintenance is relatively low - this is also pleasing.

For discerning customers who love to travel in comfort, who appreciate excellent service without drawing attention to their person, the MasterCard World Black Edition premium card has been developed. Exclusive features and unobtrusive design confirm this.

Not everyone knows about the existence of premium cards, but not all banks include them in their product line. To date, "black cards" are issued by Sberbank, Alfa-Bank, Raiffeisenbank and others.

What does the holder of such a card get? First of all, the service is several levels higher, both in the form of a payment system and a service in a banking institution.

What are the benefits of Mastercard World Black Edition?

It is very easy to appreciate the advantages of Mastercard World Black Edition. It is enough to pay for purchases using this card to receive bonuses available only to you.

MasterCard World Black Edition is a great opportunity for those who are accustomed to the best, who appreciate every minute of their time and who care about quality service while traveling.

This card has the following benefits:

• Making payments using contactless PayPass technology.
• Bank service at a premium level, free Concierge service.
• Insurance included by default.
• Priority Pass - a pass to the best airport lounges.
• Emergency assistance in case of loss of the card.
• Separate telephone line.
• And other special features.

Concierge Service

Mastercard World Black Edition provides a personal concierge service. He will provide important information about the planned events and, if necessary, book tickets.

Concierge offers the following services:

• Reservation and purchase of air tickets
• Information about the host city with competent advice
• Car rental order
• Delivery of a car with a driver
• Golf course guide
• Tickets for cultural events and other events organized anywhere in the world
• Hotel booking, hotel guide
• Top news in the country and the world
• Travel assistance.

Priority Pass - your pass to business class lounges

The card gives you access to the best airport lounges around the globe through the Priority Pass program. An airport is a place where noise and pandemonium constantly reign. Thanks to this program, you can relax in the premium lounge. And this opportunity is provided regardless of class and airline. VIP-halls are located in three hundred different cities. To get into one of them, it is enough to present a membership card at the entrance.

A busy person always does not have enough time to take a breath. Using the VIP lounge, you will have the opportunity to wait for your flight in peace and quiet, as well as work if necessary. Nobody will disturb you!

Priority Pass from Mastercard black edition is:

• Several hundred high-level halls in more than a hundred countries.
• Lounge availability without regard to class and selected airline.
• 70 or more lounges at American airports.
• Internet access, meeting rooms.
• Atmosphere conducive to peace.
• Snacks and drinks as a free compliment.
• Carefully thought-out infrastructure for fruitful work and quality rest.

Travel insurance

All Mastercard World Black Edition card holders receive by default accident and illness insurance for the period of travel abroad. This program provides the following benefits:

• Not only the cardholder can use the insurance, but also members of his family, which include a spouse, as well as children 6-18 years old, as well as children under 23 years old - full-time university students.
• The cardholder can obtain a visa without additional payments.
• No need to activate insurance with a payment card transaction.
• Opportunity to receive support from Class-Assistance Ltd.

Mastercard World Black Edition credit

Given the status of the "black card", the maximum loan amount for it is much higher even for new customers.

You can get up to 5 Mastercard World Black Edition Premier and Visa Platinum Premier premium debit cards as part of the Sberbank Premier service package.

In which banks can I issue a Mastercard World Black Edition?

Premium cards are offered by many Russian banks. These include Sberbank, Alfa Bank, Rosselkhozbank, Uralsib and others.

The advantages of the card are that 0.5% is charged for each purchase; in other cases, bonuses are as follows:

Another advantage of the Sberbank Mastercard World Black Edition card is the ability to accumulate bonuses when participating in the Thank You from Sberbank bonus program. For each bonus Thank you, you get 1 ruble.

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

A little about Mastercard

If you study the means of payment issued by Mastercard, it turns 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 the type of payment instrument belonging to him, the user can pay for goods and services, as well as withdraw cash. In addition, all types of cards can be connected to SMS alerts and Internet banking.

However, there are differences between the types of means of payment. They consist in additional bonuses that the bank is ready to provide. So, the owners of premium means of payment 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 a modern person who travels a lot around different countries, is used to comfort and safety, no matter where in the world he is. The benefits of MasterCard World are designed to meet the needs and challenges that the modern traveler may face. Payment instrument holders can count on the following benefits:

• if a person actively uses the card, he can get access to VIP lounges at airports;
• annual maintenance is carried out on special terms;
• you can get health insurance for up to 60,000 euros;
• the owner can take advantage of a number of 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 of issuing banks and MasterCard partners.

MasterCard World: varieties

If the capabilities of the World payment method seem insufficient to a person, he can expand them using one of the advanced types of the card. So, the user can issue MasterCard World Black Edition or MasterCard World Elite. Cardholders have access to the following bonuses:

• the ability to contact the cocierge service to resolve any issues 24 hours a day;
• the amount of health insurance is increased to 200,000 euros;
• the owner of the payment instrument can become a member of one of the unique programs offered by Mastercard;
• the card gives access to VIP lounges of airports Priority Pass;
• a personal manager will be assigned to the person;
• the cardholder becomes a member of bonus programs of issuing banks and partners of MasterCard;
• the person is provided with an IAPA card.

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

A similar service operates as part of the Thank You from Sberbank program, organized by the credit institution of the same name. If a MasterCard World card is used, Sberbank of Russia will accrue bonuses ranging from 0.5% to 30% of the purchase price.

Another partner of the Mastercard payment system is Vimpelcom PJSC. The townsfolk are used to seeing a company called Beeline. You can become a cardholder 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 for a promotion in a partner organization, the refund amount can be up to 15%.

How to apply for a MasterCard World

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

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

Online payment is not provided. However, using the website of Sberbank of Russia, you can leave an application for a Visa Inc. product of the same type. To perform the manipulation, you will need to enter data in an online form. Theoretically, using this method, you can apply for a variety of payment means MasterCard World. However, if a person wants to issue a card without any problems, experts advise to personally visit the department of the institution.

You can also make 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.

The black Sberbank card elegantly complements the purse and other accessories of its owner. Its maintenance costs an order of magnitude more expensive than classic and gold products.

Such plastic opens up additional possibilities.

Who is this product for? For everyone who pays by card monthly from 3600 rubles in supermarkets and the same amount at gas stations.

Cashback from the indicated amounts fully covers the cost of annual maintenance. Anything over that is a net profit.

Let's figure out how customers can get the most out of a black credit card. What exactly makes it premium?

Map class description

All Sberbank plastic can be divided into 3 types:

• standard;
• gold;
• premium.

There are 3 levels in the premium segment:

• Platinum;
• Signature/World Black Edition;
• Infinite/World Elite.

From the side of the bank, the differences in servicing Platinum and Signature / Black Edition are minimal. The fundamental difference is that platinum cards belong to debit cards, while the latter belong to credit cards.

However, payment systems offer holders of such credit cards a number of additional features comparable to the elite level:

Sberbank offers Visa Signature and MasterCard Black Edition cardholders the same service:

• non-cash payment in stores in all countries;
• payment of utility bills, taxes, fines, cellular communications and others;
• cash withdrawal from an ATM with a commission;
• accrual of increased cashback Thank you;
• remote access to accounts.

The difference between the two products in everyday life is not very noticeable, but it is there. Especially noticeable when traveling.

Visa Signature

The payment system for its Signature holders provides the following features:

• round-the-clock technical support in all countries, including emergency production and delivery of plastic in case of loss or damage;
• medical assistance, information support abroad;
• doubling the warranty period for goods purchased under the Visa, provided that they cost more than 50 US dollars and have a manufacturer's warranty of 1 year;
• extended risk insurance when traveling abroad;
• round-the-clock concierge, who, at the request of the client, books tickets, tables in restaurants and other services;
• free admission to cultural events, the entrance to which is available only to holders of award visas;
• discounts and other privileges on goods and services of numerous Visa partners, including shops, entertainment venues, hotels, transport services.

The Visa Signature card of Sberbank is especially popular with travelers because of its insurance. The annual maintenance of plastic has a comparable cost to a policy of a similar level.

Aeroflot

For those who travel frequently, co-branding is beneficial. It is available in both credit and debit versions.

Let's compare them with the usual status card of Sberbank:

Co-branded cards offer holders the following services:

• cashless payment;
• cash withdrawal from an ATM (from a credit card with a commission);
• Visa privileges (medical assistance, insurance abroad, concierge, partner discounts, double guarantee, creative weekends);
• favorable accrual of cashback by the carrier.

Aeroflot premium Visas earn 2 miles for every 60 rubles spent when paying with plastic.

An example for clarity:

A one-way ticket Moscow - Vienna, when purchased 2 weeks in advance, costs 12,500 miles, fees of approximately 3,800 rubles are additionally paid. The same ticket when paid in cash costs 13103 rubles. 437 miles will be credited for the purchase (13103/60*2=436.77). If a passenger pays the same amount with a non-co-branded premium card connected to Thank you bonuses, he will receive 0.5% cashback = 65.5 rubles. for the same ticket.

There is no conversion rate for miles into rubles, but the example is clear, and conclusions can be drawn from it:

• the ticket price minus fees is approximately 9300 rubles. (13103-3800=9303);
• 1 ruble corresponds to less than 1.5 miles (12500/9300=1.34);
• mileage bonuses are significantly higher than Thank you points (437 miles / 1.34 miles = 326 rubles, which is almost 5 times more than 65.5 rubles that would have been awarded under the Thank you program).

Aeroflot cashback is highly attractive for regular passengers. At the same time, it has specific liquidity; it can only be spent on goods and services closely related to air travel and tourism. There are some restrictions, for example, for round-trip flights.

MasterCard World Black Edition

The international MasterCard system provides its premium customers with waiting for international flights in comfortable lounges. However, they are not available at all airports. In Russia, such a hall is so far only in the terminal E of Sheremetyevo. Holders of MasterCard World Black Edition of Sberbank also have access to other payment system services:

• technical support 24/7 all over the world;
• incentives in the form of discounts on purchases in stores, cafes, entertainment establishments;
• attractive cashback from MasterCard Rewards, which is exchanged at a favorable rate for certificates of chain stores, as well as for exclusive products presented on the program website.

Debit

MasterCard World Black Edition and Visa Signatures are issued by Sberbank only in the form of credit cards. A brief description of alternatives among debit cards:

• Visa Signature Aeroflot - maintenance of 12 thousand rubles annually;

Favorable cashback for frequent flyers;
- unjustified costs for rarely traveling;

• Platinum Visa and MasterCard - the cost of maintenance is the same 4900 rubles per year;

Plastic allows you to withdraw cash from an ATM without a commission up to 500 thousand rubles. per day;
- fewer privileges from payment systems;

• Infinite Visa and MC WorldElite - a fee of 30 or 70 thousand every year;

No commissions, the only limit is cash withdrawals of 30 million rubles. per month;
+ maximum cashback Thank you;
+ the maximum level of privileges from Visa, MasterCard;
— guaranteed profitability of plastic with non-cash payments from 150 thousand rubles. per month.

Credit

Black credit cards in Sberbank are issued on an individual offer for existing customers with a positive history, as well as on a mass basis - for those who applied for the first time.

The main difference concerns the size of the interest rate on the loan. For a pre-approved card, it is 21.9% per annum, on a general basis - 25.9%.

The credit limit is considered individually, the maximum amount is 3 million rubles. However, ceteris paribus, current customers receive an offer with a higher amount.

Conditions

Let's summarize the above:

• service 4900 rubles per year;
• validity period 3 years;
• credit limit within 3 million rubles;
• loan rate of 21.9% for a pre-approved offer, 25.9% for a bulk offer;
• forfeit in case of delay 36% per annum;
• commission for cashing out at an ATM 3-4%, not less than 390 rubles;
• increased cashback (10% gas stations, taxis; 5% restaurants; 1.5% supermarkets);
• privileges from MC and Visa, comparable to high-end products.

Maintenance cost

With self-design, the product costs 4900 rubles per year. The card is provided free of charge as part of the Premier package. In this case, she retains all the conditions except for receiving increased bonuses Thank you. They are accrued only when making paid transactions in the previous month in the amount of 80 thousand rubles. If the amount has not been reached, the amount of points corresponds to the offer for standard plastic.

Sberbank Premier is a range of services within which privileged clients receive:

• +0.8% to deposit rates from 1 million rubles;
• favorable exchange rate;
• discount for safe storage;
• Priority Pass, giving access to a network of VIP lounges at airports;
• extended family insurance when traveling abroad;
• remote consultations of doctors from leading clinics in the world;
• increased level of service in the bank;
• filling out 3-personal income tax.

The service package has a cost:

• 2500 rubles per month on a general basis;
• free trial period 2 months;
• free of charge if the total balance on all customer accounts with Sberbank at the end of the month is from 2.5 million rubles.

Cash withdrawal limit

The maximum available for cashing out is 300 thousand rubles. per day. Within this amount, you can receive up to:

• 100 thousand at Sberbank ATMs;
• 300 thousand in his box office;
• 300 thousand at cash desks and ATMs of third-party banks.

To withdraw cash from a credit card, you must pay a commission, 3% in Sberbank, 4% in other organizations, at least 390 rubles.

Bonuses and discounts

Sberbank calls Signature and World Black cards with big bonuses. Their holders receive increased points:

• at gas stations and taxis Yandex, Gett - 10%;
• in a cafe - 5%;
• in supermarkets - 1.5%.

In addition, stores participating in the Thank You program accrue up to 30% bonuses. For any purchases, cashback is not less than 0.5%.

Payment systems have their own partners.

1. Visa offers discounts and privileges for travelers: hotels, outlets, tourist trips.
2. MasterCard holders save money in cinemas, shops, cafes. And also the system allows you to connect a profitable cashback, which is exchanged for certificates of popular chain stores.

The lists of partners and promotions change frequently. Check out the latest information on the websites of the bank and payment systems.

How to get

Clients with incomes significantly above average and a positive history in Sberbank receive a pre-approved offer at the initiative of the bank. Informing occurs through a personal online account, SMS or when visiting a bank.

To receive plastic, consent is required, which can be expressed through a click in the Internet bank, a response SMS, a personal visit. It will be possible to pick up the finished plastic on the appointed day by presenting a passport.

On your own initiative, you can leave an application at the branch or on the website by clicking on the “Issue a card” button on the product page. Then follow the instructions of the system. The algorithm will differ depending on whether you receive a salary through Sberbank, whether you have a mobile and Internet bank connected. You may need to visit the office in person with proof of income.

The bank will inform you via SMS about the issue decision. If it is positive, you will be informed of the estimated date of receipt. Later, you will receive an SMS notification of readiness for issuance.

Pros and cons of the card

The undeniable advantages are:

• increased bonuses Thank you;
• elite privileges from Visa and MasterCard;
• the interest rate on the loan is lower than that of gold and standard offers;
• high credit limit.

The disadvantages include points related to cost:

• significantly more expensive than gold cards;
• if you pay with plastic only in supermarkets, its profitability starts from a monthly turnover of 27,500 rubles;
• when paying exclusively for shopping without supermarkets and restaurants, this amount increases to 82 thousand.

Conclusion

MasterCard World Black Edition and Signature Visa from Sberbank are one of the most attractive offers for those who spend about 1,000 rubles a week on gasoline. The product can be called an economical version of elite products. The holder has access to the privileges of Visa Infinity and World Elite MasterCard at the price of platinum cards.

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.

According to its terms, cost of maintenance and limitations, the black edition does not differ much from the platinum. The difference lies in one important point. Black plastic from Visa will allow you to participate in the lending program, platinum refers to debit cards.

1. The potential owner receives a tempting bank special 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 free of charge.
6. The accumulated points are used to purchase various tickets, pay for a taxi ride and goods in the partner network.

General characteristics

To evaluate the benefits of black edition will help to study the basic conditions. Among them are:

• annual maintenance cost not exceeding 4900 rubles;
• increased lending ceiling, from 600,000 to 3 million rubles;
• a fixed rate starting at 21.9 percent;
• discounts at gas stations, at catering points 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 informational, legal and technical support;
• attaching 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 airport visits, including a 20% discount on transfers and a refund of 600 euros in the event of a canceled or delayed flight.

You do not have to pay for the SMS informing service. After registering in the account, you will always be able to make calculations using the premium calculator, learn about offers and bonuses associated not only with the Visa and Mastercard systems.

Getting bonuses

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

• return up to 0.5 percent for a purchase paid by bank transfer;
• increase the size 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 cashback of 10 percent by using the services of gas stations, taxis or Internet services.

The transport world mastercard guarantees the gradual accumulation of miles. They are usually exchanged for air tickets. The embedded chip will allow using contactless technology when paying if the amount does not exceed 1,000 rubles.

Accumulation of bonuses

Regular trips in Russia and abroad or the habit of spending a lot of money every month while shopping lead to the need for a 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 an annual package is paid. It will take up to 2 weeks to make.

Activation and participation in the bonus program occur virtually simultaneously after the first payment and the registration procedure. It is enough to receive SMS and enter a code designation.

Accumulation of points is carried out according to the standard scheme. One bonus is equal to one ruble spent. Calculations will help to make a calculator on the official page. Compared to classic cards, the number of bonuses grows by 20 times and the accumulation takes place in an accelerated mode.

How to apply?

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

You can apply through your account. The requirements are studied and the card design button is pressed. It is somewhat easier for regular customers and participants in the salary project, they do not need an income statement.

A positive decision will allow you to sign an agreement and wait for the card to be received in your hands. It takes from 10 to 14 days to manufacture, but it is better to follow this process.

A set of client-side requirements

A potential owner of a black edition must meet a number of criteria put forward. These include:

• the presence 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;
• at least six months of official work experience (for a five-year period, one year must be worked out);
• statement of regular income (personal income tax-2).

It is not necessary to look for guarantors and pledge property. The good news is that you have a good credit history.

Features of providing a card

You should follow 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;
• the prepared application contains an indication of the purpose, details and passport data;
• a package of documentation is being collected, depending on the degree of cooperation with the bank;
• a contract is prepared, including the rights and obligations of the parties;
• a decision is made on the issuance and limit;
• signing will provide an opportunity to get your hands on a contract with a code designation;
• it will be possible to pick up the card after production, the message should be sent by the attached manager.

It remains to register in the bonus program, immediately use the due discounts and benefits. Especially when you constantly visit members of the affiliate network.

Promotions and special offers

Information about discounts and special offers will constantly appear on the account pages or come 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, 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 refers to the inclusion of a rate of 21.9 percent. Other customers will be able to count on 25.9. At the same time, the penalty will lead to an increase and bring it up to 36 percent per annum.

Cashing in self-service devices threatens to include rates from 3 to 4 percent (starting from 390 rubles). The use of third party ATMs will incur an additional fee.

The credit bar starts from 600 thousand and grows up to 3 million rubles. For a day, it will be possible to receive no more than 100,000 rubles in cash in the terminal. At the cash desk of the office will be able to issue 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. Increased loan amount at low interest rates.
2. Contactless payments make it easier to pay (up to 1000 rubles) and increase security measures.
3. Insurance programs and support justify the cost of the package.
4. Discounts and promotions are constantly offered. Bonuses accumulate quickly, taking into account the payment for purchased goods and services, flights and travel, visits to restaurants and gas stations.
5. Management is carried out from a smartphone and in a personal account. It is possible to prevent the formation of debt and timely transfer money to the account.
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 help you save a lot. The disadvantages are.