Premium credit cards. Premium debit card Visa Platinum Sberbank

Elite bank cards emphasize the special status of their owner. Premium cards differ from ordinary cards not only in a serious credit limit, but also in an extended package of additional services and features.

Most of the privileges are automatically "tied" to the card by the payment system: MasterCard, Visa or American Express. However, some Russian banks are expanding the range of "premium services" already at the expense of their own bonuses, gifts and services.

Additional opportunities for premium cards are most often associated with trips abroad. For example, the owner of an "elite" card can call around the clock to clarify any information necessary for travel (flight schedule or hotel room rates).

The concierge service can be entrusted with the organization of holidays abroad - from booking a hotel to medical assistance in emergency situations.

Another privilege for a premium card holder is discounts and bonuses in partner networks of the issuing bank and the payment system. In addition, the holders of such cards get the opportunity to attend private shows, auctions and sales, as well as cultural and social events organized by MasterCard or Visa.

Premium cards from Visa

The Visa payment system issues three types of premium cards: Visa Gold, Visa Platinum and Visa Infinite.

The owner of any Visa premium card automatically becomes a member of the World of Privilege program. Below is a far from exhaustive list of services provided to the participant of this program.

Visa Gold

Concierge service

Anywhere in the world, the concierge service, on behalf of the cardholder, will book a plane ticket, book a hotel, reserve a place in a restaurant, and provide information on current discounts and privileges.

Legal and medical support abroad

To get help, the holder just needs to call the service, introduce himself and name the first six digits of the card.

Support includes: emergency medical evacuation; certificate of availability of doctors and medical facilities in the host country; delivery of equipment and medicines; information about the nuances of customs, tax and visa regulations.

Visa Platinum

For owners of Platinum class cards, the list of opportunities and privileges is expanding.

Concierge service

- 24-hour taxi order anywhere in the world;
- organization of car rental on behalf of the client;
- providing information about the place and date of cultural and sporting events in any region and ordering tickets.

Purchase Protection and Warranty Extension

Platinum cardholders participate in the product loss, accidental damage and theft insurance program for 90 days after purchase. In addition, if a product is purchased with a Platinum card, the standard warranty period is automatically doubled.

Visa Infinite

Maximum functionality of the concierge service

- assistance with purchases, repairs, household services and recruitment;
- organizing access to closed premieres and special screenings.

Travel health insurance

Insurance coverage is valid for the first 90 days of the cardholder's trip (both within Russia and abroad). Applies to customers under the age of 76 and their family members.

Travel insurance abroad

Insurance protection is valid only outside the country and applies not only to the cardholder, but also to his minor children. Covers unexpected expenses related to baggage or flight delays of more than four hours.

Premium cards from MasterCard

The MasterCard payment system offers three types of premium bank cards: Gold MasterCard, Platinum MasterCard and MasterCard World Signia.

Gold MasterCard

Participation in the MasterCard Plus program

The holder of the Gold MasterCard card is entitled to discounts and bonuses in partner networks of the payment system.

Participation in the program "Priceless Moscow:
- invitations to interesting theatrical performances and film screenings;
- discounts in the best shops and restaurants of the capital;
- compliments from hotels and beauty salons.

24/7 Support

Round-the-clock support service is available both outside of Russia and on the territory of our country. The cardholder can, for example, urgently reissue the card or receive a cash advance if it is lost.

Platinum MasterCard

Additional options and services are added to the possibilities of the Gold MasterCard card.

For example, the cardholder gets access to the closed travel club NILSEN CLUB, which provides its members with the organization of luxury travel to anywhere in the world.

MasterCard World Signia

The highest category credit card in the product line from MasterCard with the owner's personal signature "gold" on the front side.

Privileges: insurance policy for trips abroad up to 1.5 million euros; participation in international programs IAPA, Priority Pass and Hotel Express; personal service manager.

Premium cards from American Express

American Express Gold Card

Organization of travel (from booking rooms to renting a car) anywhere in the world.

Accumulative bonus program Membership Rewards.

Travel insurance up to EUR 250,000.

Legal and medical assistance.

Purchase protection.

Organization of forced return from travel.

The Platinum Card®

Each month, the cardholder receives a list of interesting cultural and sporting events that he can visit. In addition, he subscribes to Departures magazine, which publishes exclusive offers from boutiques, restaurants and hotels.

Premium cards of Russian banks

Sberbank of Russia

"Gold" credit cards MasterCard and Visa

They are issued only in Russian rubles for three years. The annual interest rate for such cards varies from 17.9% to 23%. Visa Gold and Gold MasterCard cards are protected by an electronic chip. The maximum cost of maintenance is 3,000 rubles per year. Renewable credit limit on the card: from 15,000 to 600,000 rubles.

In addition to standard privileges from payment systems, Sberbank offers cardholders participation in the Thank You from Sberbank bonus program, discounts and special offers from the bank, and an emergency cash withdrawal service abroad in case of loss or theft of a card.

American Express Platinum "Platinum" cards

A card with a limit of up to 3 million rubles is issued for three years. The interest rate for the use of borrowed funds varies from 17% to 22% per annum. The maximum cost of maintenance is 15,000 rubles per year.

Privileges: personal manager for servicing in comfortable areas of Sberbank; an insurance protection program for the cardholder and his family members with a limit of up to USD 1,000,000; PriorityPass with unlimited access to airport VIP/Lounges.

Mandatory requirement for the borrower: the amount of funds placed with Sberbank must be at least 3 million rubles for the last three years.

Russian Standard Bank

Gold credit cards Visa, MasterCard and American Express

The credit limit for a card with an embedded electronic chip and a unique design reaches 750,000 rubles (the card is issued for five years). The annual maintenance fee is 3,000 rubles, the interest rate is 28% per annum.

An American Express card can be issued in one of three currencies: rubles, US dollars or euros. Its issue and maintenance will cost the cardholder 6,000 rubles a year.

Platinum cards VISA Platinum NES and The Platinum Card®

The maximum credit limit reaches 1.5 million rubles. Annual cost of maintenance: from 2000 to 6000 rubles. The interest rate varies from 20% to 28% per annum.

For purchases made with an NES VISA Platinum card, 1% of the amount is transferred to NES plus 50% of the annual maintenance fee. The Platinum Card® is issued in euros, rubles and US dollars.

Alfa Bank

An annual service for Visa Gold and Gold MasterCard "gold" cards will cost 3,000 rubles. The annual interest rate varies from 17.99% to 29.99% per annum The card can be issued in rubles, euros or dollars. Maximum credit limit: up to RUB 300,000, USD 25,000 or EUR 19,000.

"Platinum" cards VISA Platinum and Platinum MasterCard will cost their owner a little more - from 5,500 to 5,600 rubles per year of service. But the maximum credit limit for ruble cards will be increased to 750,000 rubles at the same interest rate.

Who can get a premium card?

Today, the premium card is available not only to politicians, businessmen and celebrities. "Elite" cards are chosen not so much because of their "status", but because of the extended functionality.

The portrait of a typical premium card holder looks like this: a woman or a man aged 30 to 40 with a high level of official income and an active lifestyle (frequent trips abroad, shopping in branded stores, a habit of comfort and quality service). A prerequisite for issuing such a card is close cooperation with the bank over the past months (deposits, investments, current accounts).

Sberbank offers its customers to take advantage of a new bonus offer. Premium debit card Visa Platinum with big bonuses returns to its owners up to 10% of the cost of purchases and provides an expanded range of additional services. With the Visa Platinum Sberbank card, a new world of privileges opens up for bank customers.

For a Platinum Visa Premier card with big bonuses, points are accrued as follows:

• For each purchase paid with a prestigious card, the bank returns 0.5% of the costs to the client.
• For purchases in any supermarket, Sberbank cashback is 1.5%.
• For spending in cafes and restaurants, the owner of the bonus card "Visa Premier" will return 5% to his bonus account.
• For taxi expenses through the Yandex.Taxi and Gett Internet services and for any purchases at gas stations, a bank client can count on a 10% refund.

Holders of the prestigious Visa can also receive additional bonuses under the "" program. After receiving the card, the client must register in this program according to a simplified procedure. It is enough to send only one message to the number 900 with the text " THANK YOU” and the last four digits of the card.

Premium Visa Platinum Sberbank will bring its owner 20 times more points than any other means of payment. According to the terms of the program, 1 "Thank you" bonus is equal to 1 ruble of discount. Points can be redeemed for up to 99% off the purchase price.

Use of bonuses

The official website of the program contains a complete list of merchants where you can exchange the accumulated bonuses. Among Sberbank partners - large online stores and retail chains.

For points you can get a discount on the purchase of air tickets and on accommodation in hotels around the world. To do this, the client needs to use the service “Thank you from Sberbank. Trips".

As a Visa holder, you can redeem rewards for entertainment programs and activities, providing yourself and your family with an exciting, unforgettable vacation. Using the service “Thank you from Sberbank. Impressions”, the Visa Platinum Sberbank cardholder learns about the latest and most interesting events in his city.

Sberbank has set the following limits on accruing Thank You points per month:

1. The total number of bonuses should not exceed 5 thousand.
2. The maximum number of points for taxi and gas station services is 1,000.
3. In the "Restaurants and cafes" category, a client can receive no more than 2 thousand bonuses.

Bonuses are valid for 36 months. After this time, unused points "burn out".

World of privileges Visa Platinum | the benefits are obvious

Having issued the prestigious Visa Platinum, the client has the following additional opportunities:

• The client receives equal conditions for cashing out funds both in Russia and abroad.
• Cardholder service is a priority for bank employees and is carried out in specially designated comfort zones.
• A personal manager is assigned to the owner of the Visa card.
• Visa Platinum can be linked to an electronic wallet, including Yandex.Money.
• You can replenish the Visa Premier Sberbank card both in cash and non-cash.
• The cardholder receives medical and legal support abroad.
• The client has the opportunity to use round-the-clock support through the call center of Sberbank.
• In the event of a force majeure situation, namely the loss, damage or expiration of the card abroad, the client can use the emergency cash withdrawal.
• The Visa holder can manage the account, make transfers and payments through the remote services "Mobile Bank" or "Sberbank Online".
• On the card, you can install the service "" for automatic housing and communal services, the Internet, cellular communications, etc.
• The client gets the opportunity to conduct transactions on the Internet using innovative 3D-secure technology. This payment mode provides financial security by protecting transactions from fraudsters.
• The owner of a payment card can connect to the modern Apple Pay payment system in order to make purchases in online stores with maximum comfort.
• Visa Platinum holders receive protection from Sberbank against theft, loss and damage to goods purchased with a card. The insurance period is 90 days from the date of purchase.

Medical support for cardholders abroad

Abroad, Sberbank's Visa Platinum premium card is serviced by the international company International SOS, which is a leader in the medical services market.

Visa holders can count on assistance in the field of medical assistant:

1. The cardholder and his family members receive medical and legal support while traveling outside the Russian Federation for up to 90 days.
2. Among the services are telephone consultations about medical care, obtaining information about the location of medical centers, monitoring the patient's condition during and after hospitalization.
3. Getting information about vaccinations, visas, translators and lawyers.

The cost of servicing the Visa Platinum Premier card

The cost of annual maintenance of a debit card depends on the currency in which it is issued and is:

• For the first year, the cost of servicing is 2.4 thousand rubles, for the second and subsequent years - 4.9 thousand rubles for a ruble Visa;
• $100 for a dollar card;
• 100 euros for a card in European currency.

Sberbank draws attention to the fact that the annual service will be fully compensated by bonuses. To do this, the monthly spending on the card must exceed 30 thousand rubles.

Additional cards

In addition to the main debit Visa, the bank offers to issue several additional cards. This feature allows you to use the funds not only to the client, but also to his relatives. The annual maintenance of these cards is 2.5 thousand rubles. For their reissue, you will need to pay the same amount.

As part of the Sberbank Premier tariff plan, a client can issue up to five premium Visas for himself and his family for free.

Cash withdrawal limits

The premium status of the card product improves the terms of the services provided. So, a Sberbank client can use increased daily limits for withdrawing funds:

• 500 thousand rubles for the ruble Visa Sberbank;
• 12.5 thousand US dollars for a dollar card;
• 10 thousand euros for a card in European currency.

Monthly limits are:

• 5 million rubles for a ruble card;
• $170,000 for a dollar card;
• 125 thousand euros for Visa in European currency.

No commission will be charged for withdrawals within the specified amounts. If the daily limit is exceeded, the client will incur additional costs. The commission will be 0.5% of the amount that exceeded the limit set by Sberbank. This tariff applies to transactions carried out through the cash desks of a credit institution.

For cashing out amounts exceeding the limit in other banks, the client will need to pay a commission of 1%, but not less than:

Conditions for obtaining a Visa Platinum premium card

To issue a card, the following conditions must be met:

• Client's age - from 18 years;
• Possession of Russian citizenship;
• Availability of permanent or temporary registration in the Russian Federation;
• A completed application form for opening a card.

Despite the high status of the card product, Sberbank does not require the client to confirm his solvency.

Applying for a Sberbank card online

To start issuing a card with big bonuses, the client does not have to visit a bank branch at all. The application can be submitted remotely from the official website of Sberbank. The applicant must provide the following information on the application:

1. Personal data of the client: full name, date of birth, place of birth, contact phone number, email address. Full name must also be filled in in Latin (for drawing on the map).
2. Data of the document confirming the identity of a citizen of the Russian Federation.
3. The address of the Sberbank branch, where it is convenient for the client to pick up the finished card.

After sending the online application, the manager will contact the client. He will inform you about the readiness of a personalized plastic card. The Visa Platinum card is valid for 3 years.

Continuing our acquaintance with the Mir cards of the national payment system, we approached the segment of premium cards, which will be presented in this review. According to Banki.ru, 14 Russian banks offer debit cards of the Mir Premium category to the open market.

In the final table, premium cards are ranked in ascending order of the cost of the first year of their service, including the fee for issuing plastic (if any), from the cheapest to the most expensive. If a product provides free maintenance upon fulfillment of requirements set by the bank, and the cost of the first year of maintenance thus represents a certain range, we took the highest possible price for comparison. The terms of free service will be detailed by us, so users, based on their financial behavior, will be able to assess the attractiveness of these offers for themselves. From the product line of one bank, we chose a card with a lower maintenance cost.

So, the first in the table is the Geobank card, which, in addition to cash back, provides for the accrual of interest on the daily balance of 20-500 thousand rubles at a rate of 7% per annum with a monthly amount of transactions for payment for goods, works and services in the merchant (including Internet) over 3 thousand rubles. The bank also offers to issue a set of cards similar in functionality to one account - Mir Premium and Visa Gold for 1 thousand rubles a year. In the table, we included the option with the lowest maintenance cost.

The sixth line was shared by the cards of Almazergienbank, Moscow Regional Bank and SMP Bank. The latter, in turn, offers another premium card in partnership with the air carrier. The cost of servicing such a card will be 6,990 rubles per year. The premium cards of this bank provide free insurance programs, concierge service, as well as a 25 percent discount on the rental of safe deposit boxes.

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, and 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.

Sberbank is reaching a new level of customer service quality. Since 2017, the issue of premium debit and credit cards has begun. The products include quite a lot of options, however, and the cost of maintenance is increased compared to standard offerings. Premium cards are aimed at the upper middle income category of the population.

Debit premium cards

Sberbank premium debit cards are provided to bank customers who have a deposit or a 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 provide for a variety of discounts for servicing in organizations that are the bank's partners.

Mir premium debit cards

The Mir card premium 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 card of the international payment system is valid for 5 years. According to the "Thank you" program, increased bonuses are awarded (10% of spending). Replenishment of the account is carried out without commissions, the amount of daily operations for cashing out can be up to 300,000 rubles per day. The maintenance fee is 150 rubles per year.

Sberbank Premier premium cards

Sberbank Premier premium platinum cards are a type of debit account. You can draw up an agreement by personally contacting the bank at the age of 18 years. The cost of annual maintenance is 4900 rubles per year. The validity period of the plastic is 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 free of charge for himself and loved ones.

Credit cards Visa Signature and World MasterCard Black Edition

Under the Visa Signature and MasterCard World Black Edition programs, Sberbank focuses on the presence of large bonuses, within which up to 10% of the purchase amount is returned. The product assumes an increased credit limit. A 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 consulting support line "Sberbank Premier";
• a large network of premium service points (more than 200 points in Moscow alone).

Sberbank's premium mastercard black edition card 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 earn miles for buying air tickets (2 miles for every 60 rubles). Upon activation of the account, the client is provided with 1000 miles as a gift. In the future, these bonuses can be exchanged for tickets and flights with Aeroflot and SkyTeam. In addition, compensation of up to 600 euros for delayed or canceled flights with Compensair is provided, as well as 20% discount on transfers to and from the airport with Gett and Wheely and free luggage wrapping.
The premium calculator, Autopayment services and SMS banking will be available in the client's personal account. Borrowers automatically participate in the Visa World of Privilege program, under which there are many discounts and special offers.

Name	Service fee	Bid	Grace period	Penalty for delay	Credit limit	Cash out 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 above

Sberbank premium card, the cost of service 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 managed to assess how favorable the conditions are. These credit cards are more suitable for users whose monthly cash flow exceeds 150,000 rubles. It is most beneficial to use a non-cash payment method, since reward points are awarded for this.
Premium class cards provide the following benefits to customers:

1. Protection and safety, 3D Secure technology is involved.
2. Low interest rate.
3. Increased credit limit in comparison with the classic conditions.
4. Insurance of funds when traveling abroad, the territory of action is the whole world.
5. Availability of additional insurance programs (purchase protection, extended warranty).
6. Many discounts, promotions and privileges when shopping in stores, restaurants, hotels, airports.
7. Support for Visa PayWave and PayPass contactless payments.
8. Connection "Priority Pass".
9. Account management using the Mobile Bank and Sberbank Online @ yn applications.
10. Cash withdrawal in Russia and in affiliated banks abroad on the same terms.

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

• no additional cards;
• collection only at a bank branch;
• expensive annual maintenance (commission);
• high penalties for missed payments;
• Not all customers have this offer.

Only “selected” clients can get premium plastic, for example, those who have a salary project or a deposit in Sberbank. In general, these conditions may be of interest to both individuals and businessmen who actively make cashless payments and make frequent flights abroad.

How to apply?

The contract is concluded according to the application of the client. On the bank's website, you can apply online. In this case, the borrower must have access to the client's personal account or go through a simple registration in the system.


The conclusion of the transaction is carried out only with the personal presence of the client in the branch. You can activate the account already on the day the plastic is handed over.
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. Presence of registration in the territory of the Russian Federation;
4. 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.

Visa Signature Aeroflot is provided exclusively at the personal offer of the bank. This may be an SMS informing, 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 the 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.