Today, plastic card is not just the key to the bank account, but ample opportunities for owners. Sberbank of Russia is an undoubted leader in the banking services market, in addition, it is recognized as a reliable partner for both individuals and legal entities. The bank improves annually and updates the line of proposals, and bank cards are the most demanded product. Consider what opportunities gives a platinum Sberbank card pros and cons, ways to design the condition of service.
First of all, it is worth noting that the platinum card is a high-level product, and it means that before issuing this product, the conditions of the Sberbank platinum card should be carefully examined. After all, it has a certain set of functions and capabilities, and, accordingly, higher cost. That is, to begin with, appreciate the feasibility of its acquisition. In addition, in Sberbank, a wide selection of plastic, among such an assortment, each potential client can choose a product that optimally meets its requirements and cost.
Immediately it is worth saying about the essential shortage of the premium class card to which the platinum card of Sberbank belongs. Namely, this is the high cost of annual service. Speaking with simple words, it will only suit wealthy and secured customers.
How to get a platinum card
First you need to say that platinum maps are like credit cards debit, it is possible to arrange it within the salary project. Visa Platinum Sberbank is produced at the request of the client, the production time is up to 2 weeks. By the way, in Sberbank, this product is called a card with large bonuses.
How to get a platinum Cancer Bank? You need to contact anyone branch of Sberbank of Russia personally and apply for which you need to make a wage certificate and a certification document. Plastic without a credit limit does not require documents other than a passport and application application from the client.
If you wish to get a credit card card, then you will definitely need to prepare a wage certificate in form 2-NDFL, this condition does not apply to salary Sberbank customers. Under the terms of the release of the credit card, the maximum limit of up to 3 million rubles, but for each individual borrower, the Bank determines the maximum amount of the loan individually, it depends on the customer's solvency.
Please note that the Bank issues a credit card on an individual proposal on more favorable conditions for him.
Terms of Service
The cost of the annual servicing of the platinum map is both credit cards and debit will be 4900 rubles per year, or 409 rubles per month. But at the same time plastic gives its user wide opportunity. First, more bonuses thanks for each purchase. Secondly, a discount on the payment of goods and the service of the Bank's partners. How many bonuses thanks are accrued by the owner of the plastic:
- 10% of the payment of fuel at gas stations and trips to Taxi Yandex or Jet;
- 5% of payment in cafes and restaurants;
- 1.5% of purchases in supermarkets
Please note that the cost of one bonus thanks is equal to one ruble.
Platinum cards with a credit limit give their owners the opportunity to receive borrowed funds in the amount of up to three million rubles. But, this condition is strictly individual, the maximum amount is calculated for each borrower separately. Interest rate from 21% per year, this is within the framework of an individual proposal, for each borrower, the percentage is determined by the Bank, depending on its solvency. Grace on a map of up to 50 days.
Advantages and disadvantages
Let's start a review with the disadvantages, as mentioned earlier, the main one is a high cost of service. There is one advice for potential customers before issuing a map of category data intelligently expect your financial capabilities. The second drawback is the interest rate, because the bank indicates only the minimum threshold of 21%, in fact it can be significantly higher.
But the advantages of a platinum Sberbank card are much larger:
- when this product is cleaned, you will receive a high credit limit, as well as the possibility of not paying the bank of interest while complying with the grace period;
- together with the plastic, you get access to premium service of the bank, namely you will not need to stand in the queues, all current questions you can solve with the help of a highlighted hotline of a bank, where qualified managers will give you fast financial assistance;
- each owner platinum card has a personal manager in a bank, which will always be aware of your problems and provide you with the necessary assistance in a timely manner;
- all distance services of the bank are available to clients, namely Sberbank online Sberbank mobile app;
- you will receive discounts and bonuses from companies from Sberbank partners, which, worth noting, quite a lot, you can look at the official website;
- another major advantage is that when paying the goods, the data card gives the insurance to your purchase, payments in case of an insured event can reach one and a half thousand dollars, however, the insurance period is only 3 months;
- Sberbank doubles the warranty period for purchased goods, provided that their cost is at least $ 50, and the total warranty period is not more than 2 years, accordingly, the purchase must be paid by the platinum card;
- premium bank customers can receive free service in the International SOS medical company, and the service is available both to holders and members of his family;
- Premium customers are available to the Concierge Service with help you can book hotels, cars, tables in restaurants remotely.
The benefits of this product are much more than flaws. But one can make one conclusion that the card is ideal only for wealthy customers, businessmen and travelers. It is for them that the privileges of the visa platinum Sberbank will be needed and useful.
Other conditions
Sberbank Platinum Map This is the perfect option for customers who often go abroad. With it, you will be able to pay in any country of the world, where you accept the maps of the payment system of the visa and in any currency, the conversion is carried out automatically at the bank's tariff at the time of transaction. In addition, the holder can withdraw cash in ATMs in Sberbank subsidiaries abroad on equally favorable conditions. Namely 1.25% of the amount.
Please note that the main debit card can be released up to 3 additional, the owner of the premium plastic can have a child from 7 years old, but the account will be general, and it means that the client can establish a limit on monthly spending.
As for the limit, it can be removed from this map for a day no more than 500 thousand rubles, and no more than 5 million rubles per month. Limit for enrollment - 10 million rubles per transaction. According to banknotes, the daily limit of 300 thousand rubles, to enroll funds to account 10 million rubles per day.
