Black mastercard. Advantages and disadvantages of MasterCard Black Edition. What is MoneySend from MasterCard

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 free of charge, 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.

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 - 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 obtain 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 submit an application 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.

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.

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.

The convenience of using plastic cards is undeniable, but the emergence of new products never ceases to delight with expanded opportunities and special privileges. The exquisite black MasterCard card offers exclusive service to the most demanding and discerning clients. Cardholders of elegant anthracite color have access to many advantages, because respectable plastic with the magical phrase Black Edition convincingly emphasizes the VIP status of its owner.

Product advantages

Having received a MasterCard Black Edition card, equipped with PayPass® contactless payment technology, you can count on a lot of comfortable benefits and a high level of service:

• premium service;
• serious insurance coverage when traveling abroad;
• access to VIP areas of airports;
• significant discounts on purchases;
• special offers and service packages from banks issuing Word MasterCard Black Edition credit cards.

The last point is worth mentioning separately. For example, the MasterCard Black Edition Premier credit card is reliable protection of funds in case of loss or theft of plastic, compensation for losses in case of lost luggage while traveling, booking hotels and tickets for significant events. The MasterCard Premier card makes it possible to obtain a significant loan with moderate interest rates, as well as use mobile banking services.

How to get an elite credit card

Not all banks in the capital offer their clients exclusive black cards and the unique premium product World MasterCard Black Edition, which implies the VIP status of its holder. “CREDITZNATOK” comes to the rescue - for residents of Moscow, the company’s website presents the best offers and the most up-to-date information. You can compare the services provided by Moscow banks and choose the best option for yourself. Thoughtful filtering helps you quickly find what you need - rich Premier or World programs, debit or credit products, conditions acceptable to you. To become the owner of a Black Edition, fill out the form provided and wait for approval of the application, which can be submitted to several banking institutions at once. After completing the loan agreement, you will become the holder of a respectable plastic with an exquisite design on a black background - your reliable partner in the world of privileges and a high level of comfort.