VTB privilege or Raiffeisen premium direct. Raiffeisenbank Visa Platinum “Premium Banking” debit card. How to make a choice

The Raiffeisen Premium package of services is designed for clients who value their time and want to receive Banking services appropriate level and additional privileges.

Features and privileges of Premium Direct at Raiffeisen

The cost of service under Premium Direct at Raiffeisen is 1,500 rubles per month.

Payment will not be charged if one of the following conditions is met:

• The balance at the end of the reporting period on all accounts is from 1 million rubles;
• Performing transactions using Premium cards – from 75 thousand per month;
• Receipt transactions (for salary clients) – from 300 thousand;
• Payments exceed 25 thousand per month, and the balance at the end is 0.5 million.

The Premium Direct package includes the following services and features:

• A separate Premium Line for consultations and information over the phone.
• Concierge service. A dedicated Raiffeisen assistant will carry out any client’s instructions, transmitted over the phone or in person: booking a table in a restaurant, buying tickets for events, checking in for a flight, delivering flowers, choosing a gift from a special catalog. The assistant will also be able to organize a trip or holiday event over the phone upon a separate request.
• Insurance for travel abroad, incl. for the family of the owner of Premium Direct, no charge. The policy includes coverage for medical expenses under conditions suitable for obtaining a visa to most countries. Also includes legal assistance, compensation for losses in case of trip cancellation, assistance in case of lost luggage (administrative and financial - up to $1,500).
• A financial consultant will develop a strategy for increasing and saving funds, assess risks in order to be able to protect against unforeseen circumstances, identify the consequences of various financial decisions, and draw up a plan to ensure maximum profitability. Financial analytics are available in Internet banking, by phone or at the Raiffeisen office.
• Rent safe deposit box By reduced tariffs: -20%.
• Systematic offers on special terms for other banking products. You can get information about current offers for Premium Direct owners by calling Raiffeisen (special line).

Cards as part of the Premium package

The owner of the Premium tariff has the right to issue up to 5 debit cards and up to 3 credit cards on a free basis, which have the following advantages:

• The SMS notification service is activated free of charge;
• If you lose your plastic outside the country, Raiffeisen will arrange for you to receive cash free of charge on an emergency basis in any city;
• Platinum cards are issued on an urgent basis without additional payment;
• Increased withdrawal limits and online transfers– up to 500 thousand rubles.

As part of the Premium package, a Raiffeisen client can issue Platinum level debit products from Visa and MasterCard, as well as Buy&Fly Premium Rewards Mastercard. The latter card provides access to the MasterCard business lounge in Sheremetyevo and the accumulation of miles for non-cash payments, which can subsequently be used to pay for train tickets, air tickets, hotel reservations or transfer orders.

Credit cards offer the possibility of obtaining a loan of up to 1 million rubles and an interest-free repayment period of up to 50 days.

They are presented in the following types:

• Platinum Premium MasterCard or Visa;
• Visa Platinum Travel Premium: accrual of miles (increased when paying on the iGlobe.ru website), free withdrawal abroad;
• Austrian Airlines MasterCard World: Earn miles with the Miles and More program.

If a Premium tariff holder decides to order a Raiffeisen card in excess of the agreed quantity, 3,000 rubles will be charged for each issue.

Conclusion

By purchasing the Raiffeisen Premium package, the client receives several cards of the Platinum and Premium categories with free service, some of which allow you to accumulate bonuses that are beneficial for travelers. Additional privileges are also provided: a separate telephone, premium service, consultant, concierge service, insurance, etc. You can also use the capabilities of Premium Direct free of charge if you comply with the conditions for maintaining a balance or making payments from the card.

The traditions of banking require the ability not only to communicate with the client, but also to create for him special conditions, individual solutions in the form of special products. In such cases, the principle of mutual benefit works; the bank makes offers to those who bring stable profits or take an active part in the turnover of funds.

RaiffeisenBank has two such service programs with enhanced service; these are two Premium class products.

Premium DIRECT

The Premium DIRECT service system is designed for an active user who is ready to travel a lot, go on business and constantly resort to various banking instruments from card loans to cash collection and payments.

The cost of using the Premium Direct program per month is only one and a half thousand rubles, but the terms of service allow you to do without this fee. It is enough to be active in several directions and the system starts working for free:

• if the balance of use of bank products per month is more than one million rubles;
• if you bring the balance on the use of products to 500 thousand rubles per month and carry out transactions using bank cards for 25 thousand rubles;
• if your monthly transactions using bank cards amount to 75 thousand rubles.

The conditions are not very onerous, but in return you get a bonus banking services as:

• five types of premium cards “Visa” and “MasterCard Platinum”;
• three premium credit cards;
• system for accumulating miles when flying with Austrian Airlines;
• the ability to transfer rubles in the Raiffeisen Connect system (Internet banking) or use payment orders;
• insure yourself and family members when traveling on preferential terms;
• enjoy 20% discounts when renting safe deposit boxes.

The bank's information center provides you with a separate support channel with a personal manager. The telephone becomes a convenient means of constant communication with a consultant on financial matters. When traveling, the “Concierge Premium” system becomes an assistant, allowing you to simply order and reserve rooms, tickets, call a taxi and resolve all transport issues.

The client has the opportunity to plan his expenses and predict his financial situation using banking analytics tools, an important nuance for a business person. RaiffeisenBank provides premium clients with additional offers and individual discounts for other services and privileges when creating deposits.

Premium Banking

Service under the Premium Banking system corresponds to the services of the priority pass category for privileged clients. The package is paid; its cost per month is five thousand rubles, but the bank provides the opportunity free use. For this it is enough:

• the total balance of using bank products for one million rubles per month and purchases for 25 thousand rubles using premium Raiffeisen bank cards;
• maintaining a monthly balance of two million rubles per month.

An actively traveling client of the Premium Banking system receives service with privileges:

• the opportunity to use business and first class lounges at airports for free (a total of 700 facilities in one hundred countries around the world, including Moscow airports) with your companions, regardless of the ticket category;
• preferential terms under the European Travel Insurance” with a full range of insurance services and emergency assistance for illnesses, injuries, accidents while traveling with coverage of medical expenses;
• access to the services of the “Concierge Premium” program, which allows you to book and buy air tickets, hotel rooms, use airport meeting services, call an interpreter and other amenities important for the traveler;
• a call back system from the bank anywhere in the world to save money on contacting support;
• usage favorable rate currency conversion via R-Connect (Internet banking);
• the ability to withdraw cash without interest and receive emergency cash if your card is lost in most countries of the world.

Even if you pay a monthly service fee of 5,000 rubles, these offers are the most profitable when traveling. Reviews from RaiffeisenBank clients using these premium packages are generally positive. The bank promptly responds to requests and provides clear explanations on all issues.

Banking products have taken root in the life of almost every modern person. For example, cards are very convenient tool non-cash payments, and their debit varieties are especially popular. Naturally, before designing a specific option, a potential client needs to take into account the main points, of which there are sometimes quite a lot.

Definition

So, the banking organization issues a payment card plastic card, intended for settlements using funds belonging to the client. The person places them on this account independently, the amount that he has.

Debit card Buy&Fly WBE by Raiffeisenbank is a piece of plastic measuring 85.6x53.98 mm. Some financial institutions offer to receive it in a different format, for example, one that can be built into a keychain and carried with you at all times. Both registered and non-registered instruments are issued various systems(Visa, MasterCard, MIR).

Cards of any type in Russian Federation are equipped with special chips for data storage. Some also have a magnetic stripe for compatibility with older devices.

How to make a choice

Financial institutions offer potential clients a variety of products, and understanding such a wide range is not so easy. What points should you pay attention to:

• cashback;
• interest on the balance;
• price annual maintenance;
• issuing bank;
• methods of depositing and withdrawing cash;
• the amount of commission fees;
• availability of overdraft, conditions for it;
• opportunity to create individual design plastic.

What are the advantages

Buy&Fly WBE Raiffeisenbank card is a profitable and convenient tool for paying for everything its owner needs. This product has many advantages:

• Additional savings due to different options.
• Increased security.
• Convenient payment for purchases in online stores.
• Even greater privileges for those who choose VIP plastic.
• Possibility of receiving cash and making payments anywhere in the world.
• High-quality and inexpensive service.

About use

To make a payment in a store, just insert the card into the terminal or bring it to the reader (contactless payment). To make paying even more convenient, you can link the instrument to a mobile payment system.

In online stores, the required details are indicated on the corresponding page and, if necessary, a one-time password is entered from SMS.

Cash is withdrawn from ATMs and cash desks. In this case, the client specifies a PIN and then follows the prompts of the device or operator.

Parameters for various available products are conveniently displayed here on one page. The user sees all the information and can immediately compare it to highlight suitable options. The necessary calculations are carried out using the online calculator located right there. Having completed the search, the site visitor clicks the “Online application” button and proceeds to fill out the form.

Good afternoon, dear users.
The purpose of my story is to protect people from possible serious and “expensive” problems.

So, four weeks ago I decided to become a Premium Banking client. I came to the Kutuzovskoye branch, where all the points of interest were voiced to the manager Ekaterina:
1) needed a ruble card for the main account
2) we needed VisaPlatinum, MasterCardBlackEdition credit cards and a second card for my wife.
Before switching to this package, I had a VisaGold credit card with a certain credit limit.
Thus, I filled out all the documents, to my surprise, they left the VisaGold card in my hands, commenting that “they will withdraw it when they receive new credit cards in their hands.” The deadline for receiving cards was announced until June 10th maximum.
I went home with a feeling of accomplishment.

The long-awaited date arrived, my wife found herself next to the branch and decided to pick up the cards. She had to spend almost an hour in the department to find out that only the ruble debit card was ready. There are also plans to issue a dollar and euro debit card, I didn’t order them! Fortunately, we were in the right place at the right time and asked not to issue these cards.
After an unpleasant and long conversation with the manager, it turned out that supposedly credit cards take a long time to make and are made somewhere in London, so you need to wait another week and everything will be fine.

On the 15th I called the department again (three weeks had already passed), during all this time they had not assigned a manager to me, so I called through a dedicated line, talked to different people, after I spent 40 minutes, luck smiled at me and They gave me the phone number of manager Olga, who works with Premium Banking clients.
Olga, thank you very much! This person solved a three-week problem; it turned out that no one had issued credit cards, because... I continued to use the VisaGold card and spent a certain limit on it, which I was offered to quickly close in order to issue new credit cards. I repeat, no one said that I couldn’t use the card that they left in my hands and led me by the nose for three weeks.

I found myself in a very unpleasant situation, because... The annual interest rates on the VisaGold and BlackEdition cards are completely different (the difference is 10%). I planned to pay off the debt after transferring it at a new interest rate in another month in light of some large purchases. It turned out to avoid getting to 28% annual interest, I needed to find money (considerable) and put it on the card, closing it in Grace period credit. I did it! But I decided for myself that I would never work with such a bank again.

And here's a new catch! Because I used these PREMIUM services less than 2 months and I’m going to withdraw all the money from the bank, then I also have to pay for this service.
I will fight paying a commission for such a service!

Summary:
1. There are no responsible persons in this bank.
2. Your problems will take a long or very long time to be resolved.
3. The concept of Premium Banking is completely absent.
4. You will stand in lines and wait for service.
5. For all your mistakes, and in the end only you will be to blame, you will have to pay.
After weighing all these factors, I hope you make the right decision.

Premium service available in every financial institution. To do right choice, it is important to understand two things - the range of services and privileges and the quality of staff service in the premium segment specific bank. Let's analyze how well Raiffeisenbank Premium does this.

Premium service at Raiffeisenbank

The bank has only two packages of services that belong to the Premium level:

• Direct (aka Premium Direct);
• Premium 5 (aka Premium Banking).

There are no restrictions on design - there are no requirements for minimum capital, use of other bank services, etc. But they are presented to everyone who wants to use the services of premium packages for free.

Services and tariffs of the Premium 5 package

The standard package maintenance fee is RUB 5,000/month.

No fee is charged if one of the following conditions is met during the billing period:

In addition, you will be relieved of the subscription fee by:

*** For fulfilling any of the conditions listed in the table, 1 point is awarded, for exceeding twice - 2 points, etc.

The first month will always be free, but then you will have to choose which of the options (1 condition and a constant set of stars) will take into account your activity to cancel monthly payments.

A set of Premium banking services

According to the terms of the dedicated programs, it is accepted that premium clients, in addition to standard services,

In Premium Banking, clients are entitled to the following as free benefits:

• The Prioriry Pass card is unlimited - you can visit any halls included in the program (full list on prioritypass.com) an unlimited number of times and bring an unlimited number of guests with you. The only caveat in this system is that the halls can set restrictions on their own, depending on the occupancy of the room (which is often complained about in reviews). The Premium Direct package does not include PP.
• Platinum insurance policy for travelers from the Alfa-Strakhovanie partner - a security amount of up to 100 thousand euros in specific cases, applies to the entire family after crossing the border of the country of residence and is valid for the first 30 days of the trip. The policy conditions in the Raiffeisenbank Premium Direct package are similar.

• Concierge service is mainly a solution to current problems - hotel and ticket reservations, meeting at airports, roadside assistance (for example, car towing), etc. According to reviews, so far this service at Raiffeisenbank is coping with its tasks at a C level.
• Separate: telephone line and service hall - Premium Banking has equipped rooms where there are no queues and reception and service are provided for all banking transactions. Premium Direct only has a dedicated phone number for communication.
• Financial consulting - you can contact us with any question regarding the placement or management of your money to receive a professional assessment of the situation. The result of work in this direction, of course, depends on the competencies of your assistant.

Premium cards of Raiffeisenbank

In the Raiffeisenbank Premium 5 package you can open up to 10 debit cards without a monthly service fee (excluding Buy&Fly, which costs 299 rubles/month).

Credit cards limited only by your ability to pay.

In general, the choice of possible products in the Premium banking segment is small.

Debit:

• Visa Platinum;
• MasterCard World Black Edition;
• MasterCard Buy&Fly WBE (accumulation of miles for subsequent exchange for tickets, hotel reservations, etc.).

Raiffeisenbank premium payment cards have increased limits for cash withdrawals - 0.5 million rubles/day, 3 million rubles/month, free emergency cash withdrawal abroad and SMS bank as a gift.

• Visa Platinum Travel - accumulation of miles for subsequent spending on Iglobe.ru
• MasterCard WBE Austrian Airlines - accumulation of bonuses for flights with specific airlines.

Lending terms

The use of borrowed funds by Premium Banking clients is not very different from standard ones, just like by owners.

Credit cards are issued at a fixed interest rate - 29% per annum and have an increased limit - up to 1 million rubles. Otherwise, the conditions are identical to standard offers - the grace period is up to 52 days, and cash withdrawal increases the rate to 39%.

Bets on customer credit start at 11.99%, and the limit is limited to 5 or 9 million rubles (depending on the presence/absence of collateral).

Allocation of funds and profitability

Not to say that Raiffeisenbank Premium Banking offers excellent conditions for increasing your savings in standard ways - the yield on deposits and savings accounts fluctuates in the range of 4.5-6%.

According to reviews, the most attractive in Raiffeisenbank Premium are mutual funds, which are distinguished by their stability and profitability, trust and brokerage management, which provides greater opportunities to use financial potential and increase income.

Differences of the Raiffeisenbank Premium Direct package

Direct is fundamentally different from the Premium package:

• Cost and terms of payment. The basic tariff is 1,500 rubles/month, but the requirements for financial activity for free service below:

• Quantity free cards, included package - only 5 pcs. The release of subsequent ones will cost 3 thousand rubles each.
• Card category - for the Raiffeisenbank Direct package it is only Platinum.
• Lack of a map Priority Pass.
• Lack of separate service rooms.

Otherwise, the service conditions are the same - an individual telephone number for communication, concierge service, the ability to take out credit for favorable conditions, interest rates on deposits at the level of 4.5-6%, savings account- 5%. According to reviews, the Premium Direct package has a lower level of competence for financial advisors.