MasterCard World Black Edition credit cards. Premium cards Visa Signature and MasterCard World Black Edition from Sberbank Offers from Russian banks

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

Registration procedure

Registration of 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 is required to register in the area where the bank is located, have a permanent place of work, as well as Russian citizenship. Documents confirming income level are not required.

Terms of Service

It’s possible to get a VTB edition card absolutely free. To make free servicing of a New Edition card 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. a little less than $200. Payment is made at the VTB 24 cash desk. The grace period is 7 weeks. The minimum payment per month is exactly 3% of the amount owed, plus interest on your loan. VTB clients have the right to order as many as 5 blacks for free. For subsequent editions you will need 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 awards bonuses to owners of the Collection package when making purchases with a black card. The peculiarities of the discount system are its diversity. Whether in restaurant chains or gyms, when you pay with a New Edition card, you can find pleasant surprises that are limited for other debit cards or credit cards.

Benefits and features

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

The limit for receiving cash from black elites 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, VTB contactless 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 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 the new edition with you.

Among the disadvantages, one can highlight the fact that your financial statistics on your 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 signed up for the 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 it and watch it.

Valery

I already had a VTB social card when I decided to update control of my finances and apply for another mastercard world elite for more freedom and control of my funds. I have never regretted it, it meets the requirements. Thank you!

Denis

Thank you for releasing the edition black card. I assessed its main capabilities. I use it, especially when traveling abroad. I like that it provides discounts in restaurants and other public places.

Paul

I became a preferred client of the bank when I actively started buying air tickets - for myself, friends and company. I read on the website about the terms 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 good news.

Lydia

If you earn enough and plan to spend a lot, like me, then being a preferred customer is great. Recently, my family and I were able to use the VIP lounge at the airport. Small bonuses like this are also nice. The check-in at the office took place in a friendly atmosphere, everything was explained. Thank you!

At first glance, it may seem that a VIP debit card, for example, Visa Gold, MasterCard Platinum, etc. – This is solely a demonstration of the client’s status, his special position and financial capabilities. 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 using the example of elite Sberbank cards and compare the opportunities that each of them opens up for its owner.

Premium cards from Sberbank: brief description

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

Please note that anyone can purchase the first 2 types of cards (having received approval from the bank after submitting an application), however, in order to connect to the Premier tariff plan, you must meet one of the following conditions (which differ depending on the 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 a salary card issued as part of a salary project, ranging from 150-500 thousand rubles monthly (for the capital) and from 50 to 200 thousand rubles (for other regions).
• Over the last 3 years, issue mortgage loans totaling from 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. At the 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 a personal manager, long waits for 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 assistance. This is an additional – paid – service that is provided abroad and only if 50% or more of the ticket price was paid using a Visa card.

As for the MasterCard payment system, 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 all the basic features and a number of additional ones. You can apply for a card from a Sberbank Premier manager, and only if you are over 21 years old. Please note that after submitting an application for a card, a manager must contact you within 3 days and inform you about the bank’s decision. Platinum class cards are not issued to all applicants; the bank evaluates the client’s socio-economic situation and only then provides an answer.

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

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

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

Sberbank cards Visa Platinum Premier, World MasterCard Black Edition Premier

Sberbank Premier class products are provided exclusively 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 the World MasterCard Black Edition Premier card provides expanded opportunities compared to the 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.
• Bank card insurance. The service allows you to receive an insurance payment if fraudsters use your stolen or lost card (the amount insured is up to 150 euros), and if you are attacked near an ATM (indemnity is up to 1,500 euros).
• Contactless payment for goods and services of the trade and service network using Visa PayWave and MasterCard PayPass technologies.
• Participation in the Priority Pass program, which allows you to use the services of comfortable business class lounges at the largest airports in the world.
• "Insurance at the 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.

Characteristics/Type of card	Visa Gold and MasterCard Gold	Visa and MasterCard Platinum	Visa Platinum Premier and MasterCard World Black Edition
Service cost for 1st year, main card			not charged *
Service cost for 2nd year, main card	RUB 3,000/USD 100/EUR 100	RUB 10,000/USD 300/EUR 300	not charged *
Daily withdrawal limit			1,000,000 rub. or 25,000 US dollars, or 20,000 euros
Daily limit on withdrawals without using a card in regional banks other than the place where the account is maintained	50,000 rubles, or 1,600 US dollars, or 1,200 euros
Daily limit on withdrawals from ATMs of other banks	300,000 rubles, or 12,000 US dollars, or 9,000 euros		1,000,000 rubles, or 25,000 US dollars, or 20,000 euros
Daily limit on card replenishment through self-service devices	1,000,000 rubles equivalent
Issuance of funds at the cash desks of the territorial division where the account is opened, and other territorial subdivisions in excess of the daily limit	0.5% of the amount exceeding the limit
Withdrawing funds from ATMs of other regional banks	No commission
Withdrawing funds from ATMs of other banks, excluding the commission of the bank that owns the ATM	1% of the amount, but not less than 100 rubles/3 US dollars/3 euros
Emergency cash withdrawal	No commission
Receiving a statement through a Sberbank ATM (last 10 card transactions)	15 rub. per request
Receipt conditions: minimum cardholder age	From 18 years for the main card and from 10 years for additional cards (with the consent of the legal representative)	Age from 21 to 65 years inclusive

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

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

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Sberbank is reaching a new level of customer service quality. In 2019, premium debit and credit cards began to be issued. There are quite a lot of options included in the products, however, the cost of service is increased compared to standard offerings. Premium cards are aimed at the population with an above-average income level.

Debit premium cards

Sberbank premium debit cards are provided to bank clients who have a deposit or salary project. However, any client can apply for registration on the bank’s website. In addition to enhanced security features, the availability of additional insurance services and support for contactless payments, the programs offer many discounts when servicing in organizations that are partners of the bank.

Premium debit cards "Mir"

The “Mir” premium card from Sberbank has been issued relatively recently; previously, only offers for pensioners and the classic version were available to borrowers. The product can be issued for public sector employees as part of a salary contract. The international payment system card is valid for 5 years. According to the “Thank you” program, increased bonuses are awarded (10% of spending). Account replenishment is carried out without commissions, the amount of daily cash transactions can be up to 300,000 rubles per day. The service fee is 150 rubles per year.

Premium cards "Sberbank Premier"

Sberbank Premier premium platinum cards are a type of debit account. You can draw up an agreement by personally contacting the bank if you are over 18 years of age. The cost of annual maintenance is 4,900 rubles per year. The plastic is valid for 3 years.
As part of the package, the client can issue up to 5 premium debit cards Visa Platinum Premier and World MasterCard Black Edition Premier for free, for himself and loved ones.

Visa Signature and World MasterCard Black Edition credit cards

Under the Visa Signature and MasterCard World Black Edition programs, Sberbank focuses on the availability of large bonuses, within which up to 10% of the purchase amount is returned. The product assumes an increased credit limit. The credit card is convenient for use when traveling abroad.

The Sberbank premium card provides the following types of services:

• a personal manager is allocated;
• free consultation support line “Sberbank Premier”;
• a large network of premium service points (more than 200 points in Moscow alone).

The premium mastercard black edition of Sberbank does not provide for the issuance of additional cards. This service is also not available for the Visa Signature product.

Terms of use and interest

World MasterCard Black Edition allows you to accumulate miles for purchasing air tickets (2 miles for every 60 rubles). When the account is activated, the client is given 1000 miles as a gift. In the future, these bonuses can be exchanged for tickets and flights with Aeroflot and SkyTeam. In addition, there is up to €600 compensation for flight delays or cancellations with Compensair, as well as a 20% discount on airport transfers with Gett and Wheely and free baggage packing.
A premium calculator, Autopayment services and SMS banking will be available in the client’s personal account. Borrowers automatically participate in the Visa World of Privileges program, which includes many discounts and special offers.

Name	Service fee	Bid	Grace period	Penalty for late payment	Credit limit	Cash withdrawal fee
World MasterCard Black Edition	4900 rubles per year of use	From 21.9 to 25.9% per annum	Up to 50 days	36% per annum	Up to 600,000 as part of a mass offer and up to 3,000,000 rubles for special offers	3% within the bank and partners and 4% in third-party organizations, minimum 390 rubles
Visa Signature (Aeroflot)	12,000 rubles per year	21.9% per annum	Up to 50 days	36% per annum	From 300,000 to 3,000,000 rubles	Similar to the conditions described above

Sberbank premium card service cost does not change throughout its entire validity period. The account will be active for 3 years.

Advantages and disadvantages

Since this type of product was introduced not so long ago, users have not yet had time to evaluate how favorable the conditions are. These credit cards are more suitable for users whose monthly cash flow exceeds 150,000 rubles. It is most profitable to use a non-cash payment method, since bonus points are awarded for this.
Premium cards provide the following benefits to customers:

1. Protection and safety, 3D Scure technology is used.
2. Low interest rate.
3. Increased credit limit compared to classic conditions.
4. Insurance of funds when traveling abroad, coverage area is the whole world.
5. Availability of additional insurance programs (purchase protection, extended warranty).
6. Many discounts, promotions and privileges when making purchases in stores, restaurants, hotels, airports.
7. Supports contactless payments Visa PayWave and PayPass.
8. Connection "Priority Pass".
9. Account management using the Mobile Bank and Sberbank Online applications.
10. Receiving cash in Russia and in subsidiary banks abroad under the same conditions.

We can immediately say that only with active use will the client be able to appreciate all the benefits of the card. If you do not withdraw funds, but the account has been activated, then a service fee will still be charged.
Among the shortcomings are noted:

• no additional cards;
• collection only at a bank branch;
• expensive annual maintenance (commission);
• high penalties for missing a payment;
• This offer is not available to all clients.

Only “selected” clients are able to receive premium plastic, for example, those who have a salary project or deposit placed with Sberbank. In general, these conditions may be of interest to both individuals and businessmen who actively make non-cash payments and make frequent flights abroad.

How to apply?

The contract is concluded according to the client’s application. You can apply online on the bank's website. In this case, the borrower must have access to the client’s personal account or undergo a simple registration in the system.


The transaction is concluded only in the personal presence of the client at the branch. You can activate your account on the day the plastic card is issued to you.
A Sberbank premium credit card is provided if the borrower meets the following requirements:

1. Citizenship – Russian Federation.
2. Age – from 21 to 65 years.
3. Availability of registration on the territory of the Russian Federation;
4. The work experience at the last place of work must be at least 1 year continuously (for the last 5 years) and at least 6 months of continuous work experience.

Aeroflot Visa Signature is provided exclusively on a personal offer from the bank. This could be an SMS notification, a written notification, or a personal call from a bank employee.

Repayment terms

The Sberbank premium visa card is also convenient to use because there is no requirement for a minimum payment amount. However, the credit limit also applies only to non-cash transactions. You should also remember that money must be paid before the end of the payment period (it is 1 month). You can deposit funds from another cash account, through ATMs and terminals, or using a mobile bank.

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

This plastic opens up additional possibilities.

Who is this product beneficial for? For everyone who pays by card monthly from 3,600 rubles in supermarkets and the same amount at gas stations.

Cashback from the indicated amounts fully covers the cost of annual service. Everything spent above that brings net profit.

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

Description of the card class

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 bank's perspective, the differences in service between Platinum and Signature/Black Edition are minimal. The fundamental difference is that platinum cards are classified as debit cards, while the latter are classified as credit cards.

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

	Platinum	Signature/Black Edition	Infinite/World Elite
Cost of annual maintenance, rub.	4900		30000 / 70000
Cash withdrawal limits	Daily allowance, monthly		The only limit is 30 million rubles. per month.
Transaction fees	Charged		There are practically no tariffs.
A package of services within which plastic is issued free of charge	Premier		First
Cash deposit	Maximum 10 million rubles. per month.		There is no limit.
Plastic lending	No	Credit limit up to 3 million rubles.	Overdraft up to 70 million rubles.
Cash withdrawal from an ATM	For free	3–4%, minimum 390 rub.	For free
Increased cashback	Always		For expenses on the card exceeding 150 thousand rubles. in the previous month
Gas station, taxi	10%		-
Cafes and restaurants	5%		10%
Supermarkets	1,5%		5%
Travel Privileges	Discounts at airports (luggage packing, car rental, etc.)	In addition to the benefits of a platinum card, MasterCard provides access to airport business lounges (not available everywhere); on the Visa side - extended insurance for those traveling abroad.
Concierge service	Not included in price	Visa has it

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

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

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

Visa Signature

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

• 24-hour 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 a Visa, provided their value is over $50 and there is a manufacturer’s warranty of 1 year;
• extended risk insurance when traveling abroad;
• 24-hour concierge who, at the client’s request, books tickets, tables in restaurants and other services;
• free admission to cultural events, entry to which is available only to premium Visa holders;
• discounts and other privileges on goods and services of numerous Visa partners, including shops, entertainment venues, hotels, and transport services.

The Sberbank Visa Signature card is especially popular among travelers because of its insurance. 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 a regular Sberbank status card:

Name	Signature Aeroflot		Signature
	Debit	Credit
Maintenance cost per year, rub.	12000		4900
Additional Visa, rub./year	2500	Not issued
Currency	Ruble, US dollar, euro	Ruble
Daily limit on cash withdrawal, rub.	500 thousand	300 thousand
Cashback	Only miles that are spent at special internal rates for goods and services of Aeroflot and its partners.		"Spasibo", the exchange rate of which is equal to the ruble, is accepted by Sberbank partners

Co-branded cards offer holders the following services:

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

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

Example for clarity:

An economy class ticket from Moscow to Vienna costs 12,500 miles when purchased 2 weeks in advance, with an additional fee of approximately 3,800 rubles. The same ticket when paid in cash costs 13,103 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 cost of the ticket minus fees is approximately 9,300 rubles. (13103-3800=9303);
• 1 ruble corresponds to less than 1.5 miles (12500/9300=1.34);
• bonuses in miles 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 that are closely related to air travel and tourism. There are some restrictions, for example on roundtrip flights.

MasterCard World Black Edition

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

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

Debit

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

• Visa Signature Aeroflot – service 12 thousand rubles annually;

Profitable cashback for frequent fliers;
— unjustified costs for infrequent travelers;

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

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

• Infinite Visa and MC WorldElite – fee 30 or 70 thousand every year;

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

Credit

Black credit cards at Sberbank are issued on an individual basis for existing clients with a positive history, as well as on a mass basis for those applying for the first time.

The main difference concerns the size of the loan rate. 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, other things being equal, existing customers receive an offer with a higher amount.

Conditions

Let's summarize what was described above:

• maintenance 4900 rubles per year;
• validity period 3 years;
• credit limit within 3 million rubles;
• the loan rate is 21.9% for a pre-approved offer, 25.9% for a mass offer;
• penalty 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 elite products.

Maintenance cost

If you register yourself, the product costs 4,900 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 payment transactions in the previous month in the amount of 80 thousand rubles or more. If the amount has not been reached, the point value corresponds to the standard plastic offer.

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

• +0.8% to rates on deposits from 1 million rubles;
• favorable exchange rates;
• discount on safe storage;
• Priority Pass, which gives access to a network of VIP lounges at airports;
• extended family insurance when traveling abroad;
• remote consultations with doctors from leading clinics in the world;
• increased level of service in the bank;
• filling out 3-NDFL.

The service package costs:

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

Cash withdrawal limit

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

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

To withdraw cash from a credit card, you need to 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 in taxis Yandex, Gett - 10%;
• in a cafe – 5%;
• in supermarkets – 1.5%.

Additionally, stores participating in the Thank You program award up to 30% bonuses. For any purchases, cashback is at least 0.5%.

Payment systems have their own partners.

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

Lists of partners and promotions change frequently. Check out the latest information on the websites of banks and payment systems.

How to get

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

To receive plastic, consent is required, which can be expressed through a click in the Internet bank, a reply SMS, or a personal visit. You can pick up the finished plastic on the appointed day by presenting your passport.

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

The bank will inform you via SMS about the issuance decision. If it is positive, you will be given an estimated date of receipt. Later you will receive an SMS notification that it is ready for pickup.

Pros and cons of the card

The unconditional 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.

Disadvantages include cost-related issues:

• 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 thousand rubles a week on gasoline. The product can be called an economical version of luxury products. The holder has access to Infinity Visa and World Elite MasterCard privileges at the price of platinum cards.

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.

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