Mastercard World Black Edition - conditions and privileges. World Black Edition premium card Mastercard world black edition premium cards

The Mastercard Black Edition credit card is a premium product of the Mastercard payment system. Holders of such cards are entitled to count on a number of preferences. This is a luxury product designed for business owners and active travelers.

The blank card is made of special carbon fiber and has an original laconic design.

The phone number of the Mastercard Global Help Desk in Russia is 8–800–555–02–69. Calls from landlines are free.

General Product Specifications

An important advantage of the Mastercard Black Edition is that its owner has the right to be served at the offices of the issuing bank in the VIP lounges. Calls to the call center are accepted on a special, dedicated line, and the service is handled by a personal manager.

Mastercard Black Edition is a significant advantage. 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, a pass to the lounges of business class airports, regardless of the ticket class, airline and number of card holder's satellites. The cost of the service is about $30 per person. Payment is debited from the card account within 2 months from the date of the visit;
• emergency assistance in case of loss of the card;
• free travel insurance with coverage up to €71,000. Family members can be insured 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 gives you the following privileges:

• World status guarantees the owner a VIP service in any developed country;
• participation in the Priceless Cities program, thanks to which you can purchase tickets for cultural events at reduced prices and use VIP boxes from MasterCard;
• opens access to the services of the Nielsen Club, which will allow you to order the organization of a trip of any degree of complexity along any route.

An important privilege for MasterCard World Black Edition holders is the free Concierge service from Aspire Lifestyles, a payment system partner. Thanks to this service, many issues, including everyday ones, are solved, 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 connection is free;
• 8 499 500-44-09 is the Moscow number for calls from abroad.

Offers of Russian banks

Sberbank

Sberbank issues Mastercard Black Edition on the following terms:

• the annual fee for using the card will be 4,900 rubles;
• credit limit - up to 3 million rubles;
• the interest rate is 21.9% if the issue is made under a pre-approved offer and 25.9% if under a mass offer;
• grace period - 50 days;
• commission for receiving cash - 3% at Sberbank terminals and 4% when contacting devices of third-party organizations (minimum 390 rubles);
• issuance of an additional card is not provided.

Advantages:

• large credit limit;
• up to 20 times more premium accrual of "Thank you" bonuses than for other products of the bank.

Flaws:

• account currency - only Russian ruble;
• the presence of age restrictions - from 21 to 65 years;
• work experience is required - at least 1 year in the last 5 years, but with the last employer at least 6 months.

UralSib

In UralSib Bank, the card is provided on the following conditions:

• annual maintenance of both the main card and the additional one - 6,000 rubles;
• credit limit - 10,000 - 500,000 rubles;
• grace period - up to 2 months;
• interest rate - from 23.9%.

Advantages:

• loyalty to the length of service - from 3 months at the last place of employment;
• cash withdrawal at UralSib ATMs is free of charge, and in 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 cardholder reaches the age of 60, the contract is terminated.

Reissue (in case of loss, at the end of the validity period) is paid - 6,000 rubles.

"Alfa Bank"

In Alfa-Bank, the card will be provided with the following parameters:

• debit card;
• up to 7.5% cashback is credited to the savings account;
• cash withdrawal from the issuer's ATMs - free of charge, third-party banks - 1%;
• account currency - rubles, euros or US dollars with the ability to instantly relink the card to an account in a particular currency.

Advantages:

• 4 times a year you can get cash abroad for free;
• at an ATM you can get up to 600,000 rubles per day.

Flaws:

• the product is available either to existing customers of the bank, or after connecting the "Maximum +" option;
• a month you can get no more than 3 million rubles at an ATM;
• 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 different from those available to cardholders in other countries. The effectiveness of using the product directly depends on the opportunities provided by the issuing bank. Accordingly, one 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 is present.

Mastercard Black Edition from Sberbank is aimed at users whose activities are mostly concentrated 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 is useful for those who prefer to spend within the limits of the amounts available on their own account.

All banking products work on the basis of payment systems (PS). Those, in turn, begin to divide into classes. The privileges, pluses and minuses provided by the payment system, as well as the cost of annual maintenance depend on the level of the bank card class.

In this article, we will talk about the Mastercard Black Edition product. The black card belongs to the highest class - "Premium" with exclusive offers from PS. The privileged group also includes Platinum, Plastic Infinite and World Elite.

Features, Pros and Benefits

World Mastercard Black Edition "Premier" - has a high class of service and is usually issued and issued only for VIP clients. To date, banks have begun to issue these cards to anyone. Such products are typically used by travelers and highly privileged businessmen who have multi-million dollar accounts at the issuing bank.

• The possibility of opening a credit account with a limit of several million.
• Black Edition in most cases has free SMS banking (not in all banks).
• The interest rate on the loan is below average.
• The ability to insure yourself and your loved ones on trips for free.
• A personal manager who will advise the client on bank accounts at any time.
• Participation in discount programs from a credit institution and the MasterCard payment system.
• Emergency cash withdrawal abroad if the card has been lost. Issued by any bank.
• Upon presentation of the card, you can get Priority Pass privileges. This makes it possible to visit the business lounges of almost any airport on the planet.
• Purchase tickets at discounted prices. to various events around the world.
• Nielsen Club service - gives you the opportunity to travel anywhere in the world on any route.
• High ceiling for daily and monthly cash withdrawals. Up to several million.
• Possibility to issue a multi-account: in rubles, euros or US dollars.

NOTE! You need to understand that some pluses and privileges may be cut by the bank itself and differ depending on the institution where the PS Mastercard product was issued.

Minuses

• Very expensive yearly maintenance.
• It makes sense to apply only to wealthy clients in order to receive maximum privileges.

MTS

• If the amount on the balance is more than 400 thousand or the amount of purchases is more than 100 thousand, then the service is free.

BINBANK AirMiles

• Bonus program "My travels". 1% for everything, 7% for purchases in the "AIR TRAVEL" category.
• Remuneration no more than 10 thousand rubles per month.

BINBANK SVO Club Premium

• A similar program, as on the last card.
• Additional bonus program: 10% for purchases at Duty Free, but only at Sheremetyevo.
• 10% discount when paying an invoice in "Shokoladnitsa"

Tinkoff Black Edition

• There is a refund: 5% in the selected category of goods or services, 1% for everything and up to 30% from bank partners for special. suggestions.

Orange Premium Club - Promsvyazbank

• Free service if the account has an amount of at least 2,000,000 rubles. Or 1,000,000 with a purchase amount over the past 30 days of at least 50,000 rubles.

• Booking tickets for flights, renting a car, etc. - makes it possible to accumulate miles. 1.5 miles for every 30 wooden ones spent, and 15 miles for every 67 rubles on the iGlobe.ru website.
• The first purchase gives 2500 welcome points.

• Privileged black Master Card product with a bonus program. 2 points for every 60 rubles spent.
• Bonuses or miles can be spent on tickets in two companies: "Aeroflot" and "SkyTeam".

• Bonus program "Harvest". 1.5 points for 1000 rubles spent.
• The maximum number of points per month is 10,000.

Terms of receipt and use

At this time, banks do not set strict conditions. Since if an ordinary client takes it, the bank will receive benefits from expensive services. So buying it and making it out only “for antlers” is not worth it.

Outcome

Let's take a look at black products from different banks. You may notice that the conditions offered by credit institutions are not so heavenly. It is worth paying attention to cards with income programs. They will allow you to accumulate money with a residual balance. Funds flow monthly in the equivalent of an annual percentage.

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 care, 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.

Premium debit cards "Sberbank Premier" for successful people - Visa Platinum Premier and World MasterCard Black Edition Premier (up to 5 pieces in a premium package).

General information

1. Special designated areas for servicing Sberbank Premier cardholders
2. Personal manager and dedicated line "Premier"
3. Visa PayWave and MasterCard PayPass contactless payment and Apple Pay connectivity.
4. Service fee - while maintaining the total balance on cards from 2.5 million rubles. at the end of the month - free of charge. Or - a commission of 2,500 rubles. per month.

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Additional options

Favorable exchange rates

Priority Pass service - business lounges for Premium package holders at the most famous airports: with Wi-fi, magazines and newspapers, drinks, showers.

Insurance cover:

You can get up to $20,000 of insurance coverage per year, up to $5,000 - for one insured event, up to $1,500 - for one item: in case of loss, theft or damage to the goods that you paid for with the Premium Card.

Extended Warranty:

The manufacturing warranty for goods purchased with Visa Platinum Premier will be doubled. From the date of purchase - up to 54 months!

The manufacturer's warranty is extended by 2 times (up to 54 months from the date of purchase) subject to payment for the purchase with a Visa Platinum Premier card:

• annual coverage $5,000 per year
• insurance coverage for one purchase - 1500 USD
• deductible for each purchase - $50

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 have from 10-00 to 19-00. At 10-00 they are never there, I specifically asked for leave from work and came at 18-15, I also didn’t find anyone, there was never a service without queues, the employees themselves, who do not work in the prime minister’s zone, say that everything is in turn like and that's all. I wanted to come on Friday at 10-00 to turn off the service, I first called the manager with a question, but will you be there? To which I received an answer - POSSIBLY and a stupid giggle at the end. The manager offered to turn off the service without my arrival. The grace period ended on 28, called 22, turned off as a result 30 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 had one rate in the online office, so he remained. Summary-divorce people for money, but it’s a pity for pensioners, if only they were left alone, okay, we are working

What are you talking about, what kind of divorce? I use priority and Sberbank Premier for half a year, this is a super offer. Grace period of 2 months for which I didn't pay anything, if I turned off this service during the grace period, then I would have paid 2500 anyway. And you, as you wanted, flew on vacation or just around Russia, sat in the priority business lounge, ate, drank, everything is free with this card, and then just closed the prime minister and did not pay anything (entry to the priority hall 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 there is not only priority, but there is also a concierge, in any country I call them on the hotline and they will always quickly help in any matter, car, hotel or something else something. If you are not traveling, then you should not connect it. No one will give you freebies here.

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 you pay 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 update 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.

Lydia

If you earn enough and are going to spend a lot, like me, then being a preferred client is great. Recently, my family and I were able to use the services of a VIP lounge at the airport. Those little bonuses are nice too. Registration in the office was carried out in a friendly atmosphere, everything was explained. Thank you!