A year later, I will write a review on credit card
These are premium credit cards with a limit of up to 3,000,000 rubles.
A few months after receiving the mortgage in personal Cabinet Sberbank appeared proposal with an approved credit card.
To be honest, it was very by the way. Repair in the apartment was dodel, but there was no appliance, furniture, etc. in it at all. Yes, and leave on the nose. Still want everything immediately.
Do not go anywhere on vacation and buy all the equipment or go on vacation and sleep on the floor)
We decided to squeeze and take advantage of the credit card) to allow it to pay for her all life
Service cost
4900 rubles per year.
Why so expensive? The map is considered premium. She has additional bonuses that will tell you just below.
In the meantime you can just say that you have "Lukhari" / platinum card))
Getting a map
After the mortgage, in which we provided all documents confirming income, no additional references were required. Just confirmed consent to receive the card and during the week, it seems to be received in the bank.
If you have a good credit history, then you will most likely approve this card too.
Interest on credit card
If you have a personal offer - 21.9%
In other cases above.
Increased bonuses
Go to the most sweet - increased bonuses for purchases.
If you have ever had, no later than 10 years old, a pick card, then you heard about bonuses. They are accrued for the purchase. 0.5% from each purchase.
On this map, bonuses for some categories of shopping are increased. You can get up to 10% of bonuses.
10% of bonuses - when paying for refueling, Yandex Taxi and Gett Taxi
5% - when paying in cafes and restaurants
1.5% - in supermarkets
What other privileges?
Access to VIP Hall in Sheremetyevo for 1500 rubles.
It is already better at some airports of European cities - access is free of charge in VIP Hall: Vienna, Prague, etc.
That's all, alas) no longer found "platinum" for myself)
There are even discounts in different stores. You can see all discounts on the site, but they are triggered only when Introducing the code on the seller's website or if you say a special code to the seller. That is, there is no discount with an automatic, if you pay the card, it will not happen. From less well-known shops saw a discount in Randevo, Bodie Shop and Chocolate. But all the shares are temporary. That is, in order for them to use the list of shares, remember the codes and call them on time)
All the most "delicious" bonuses at the card Visa Signature.. If you ever choose a platinum card, then take it. There are a lot of all sorts of "buns".
Whether the cost of service pays off
In our family, yes, pays off. Now we use only this card. Husband tied a map to Apple Pay. And pays for the phone, and I go with his card and cry her. I already abandoned my card.
Now we climb into my wallet))
May 2018.
Consumption 86 810 rubles
Received bonuses - 1920.32 p
Attention! Bonuses you will receive only from every 100 rubles spending. Rounds Sberbank to a smaller side.
That is, if the purchase was 80 rubles, then you will not get anything! Mukhaha!
4900 service per year divide for 12 months \u003d 409 bonuses per month must be obtained to make the card service
409 bonuses per month \u003d about 30000 r only in supermarkets | about 4,000 rubles only at refueling | About 4000 rubles only on trips to Yandex or Gett Taxi | About 8500 rubles only in the cafe
If you approach at least something from the above, then you already pay off the card. For a family, even without children, with 1 car, shopping in supermarkets, and maybe sometimes traveling by taxi, the card will definitely be beneficial.
We also brings income to this card. Credit card with income)
How much we earned bonuses for the year
I wanted to look at the bonuses for the year, but the data is stored only in 2 months, it turns out.
Collected statistics from ozone.
From July last year, 12,715 bonuses have been spent.
To date, 5564.53 bonus rubles remained.
Write-off bonus points It was not possible to restore in Burgug King, so it could also be more.
It turns out that at least 18,279 bonus rubles we earned almost a year.
The map paid off almost 4 times!
Of course, not everyone will be convenient, but you can spend bonuses only from partners or on Sberbank services, but it's like us.
We usually spend bonuses on ozone, to Burger King.
What about loans?
Do not think that I urge everyone to use credit funds And pay interest to the bank. Not at all. We will return money within the grace period. We left "on credit" only when for 1 month and the technique bought, and went on vacation. Only then the card was used as a credit)
Those who do not know the credit card can be used without percent if returning money during the preferential period.
I believe that you can pay the bank to enjoy something right here and right now, and not save for a few more months / year. This is the choice of everyone. For me, at that time, debts were less significant than not to take advantage of the holidays, which fell for the summer, or live in an apartment without furniture and equipment, in packages and boxes.
I do not advise you to take loans spontaneously. Even before you filed an application for a loan or credit card you need to know what you will have than paying and how much you pay off your debt.
Loans cause dependence!) Be careful!
Percentage, if you get into credit money, quite high - 22%. It is easier to make a consumer loan for the desired amount if "does not burn". Interest rate of PO consumer loans Now about 15%, it is much more profitable.
The credits are higher than the percentage, because they are mobile. You do not need to apply each time - use when necessary.
If you are an enemy of credit cards, then try to order a debit card with the same elevated bonuses and you will be happy.
Conclusion
The map really gives elevated bonuses, no deception.
But Sberbank is not unique here.
I know that a year ago the same map was Alphabank, but the service was cheaper by 1000 rubles.
Cards OT bank Tinkoff Also have elevated jacks for some categories.
Carefully read and select the optimal card.
Superior use plastic cards Neophen, but the emergence of new products does not get tired to please the expansion of opportunities and special privileges. The most demanding and demanding clients of the exquisite black card mastercard offers exclusive service. Many advantages are available to holders of elegant anthracite cards, because, respectable plastic with the magic phrase of Black Edition convincingly emphasizes the VIP status of its owner.
Advantages of the product
Having received a Mastercard Black Edishn card, equipped with PayPass® contactless payments technology, you have the right to count on a lot of comfortable advantages and a high level of service:
- premium service;
- serious insurance coverage when traveling abroad;
- access to the VIP zone of airports;
- tangible discounts on purchases;
- special offers and packages of services from banks issuing Word MasterCard Black Edition credit cards.
About the last paragraph should be said separately. For example, credit card MasterCard Black Edition Premier is a reliable protection of funds with loss or stealing plastic, damages with loss of luggage on trips, booking hotels and tickets to significant events. Card Mastercard Premier makes it possible to get a significant loan with moderate interest rates, as well as use the services of a mobile bank.
How to get an elite credit card
Not all metropolitan banks offer their customers exclusive black maps and a unique premium product. World Mastercard. Black Edishn, assuming the VIP status of his holder. "Creditznatok" comes to the rescue - for Moscow residents on the company's website are presented best deals And Samem actual information. You can compare services provided by Moscow banks and choose the best option. Thoughtful filtering helps to quickly find the necessary - saturated prime or world programs, debit or credit productsConditions acceptable for you. To become the owner of Black Edishn, fill out the proposed form and wait for the application for approval, which can be submitted immediately into several banking institutions. After registration loan agreement You will be the holder of respectable plastic with an exquisite design on a black background - your reliable partner in the world of privileges and high level of comfort.
All banking products work on the basis of payment systems (PS). Those in turn begin to share in classes. The privileges, pros and cons, which provides the payment system, as well as the cost of annual services depend on the level of the bank card.
In this article we will talk about the MasterCard Black Edition. A black card belongs to the highest class - "Premium" with exclusive offers from PS. The privileged group also contains platinum, plastic Infinite and World ELite.
Opportunities, pros and advantages
World MasterCard Black Edition "Premier" - has a high class of service and is usually issued and is issued only for VIP clients. At the moment, the banks began to issue these cards to anyone who wants. Such products tend to enjoy travelers and high-privileged businessmen who have multi-million billing banks in the issuer.
- The ability to open a loan account with a limit of several million.
- Black Edishn in most cases has free SMS banking (not in all banks).
- The interest rate on the loan is below average.
- Ability to insure yourself for free and your loved ones on trips.
- Personal manager who will advise the client on bank accounts at any time.
- Participation in discount programs from credit institution and payment system Mastercart.
- Emergency issuance of cash abroad if the card was lost. Issued in any bank.
- When presenting a card, you can get privileges Priority Pass. What makes it possible to attend the business halls of almost any airport on the planet.
- Buying tickets at discounted prices. For various events around the world.
- The service "Nielsen Club" - allows you to travel to any point of the Earth on any route.
- High ceiling day limit and monthly cash removal. Up to several million.
- The ability to arrange a multi account: in rubles, euro or US dollars.
NOTE! It should be understood that some advantages and privileges can cut off by the Bank themselves and differ depending on the establishment, where the PS Mastercard product was issued.
Minuses
- Very expensive annual service.
- It makes sense to make out only wealthy customers to receive maximum privileges.
MTS
- If the amount on the balance is more than 400 thousand or the amount of purchases more than 100 thousand, then the service is free.
Binbank Airmiles.
- Bonus program "My Travels". 1% on all, 7% for the purchase in the category "Avia Launcher".
- Remuneration no more than 10 thousand rubles per month.
BINBANK SVO CLUB PREMIUM
- A similar program as last card.
- An additional bonus program: 10% when shopping in Duty Free, but only in Sheremetyevo.
- 10% discount when paying the account in "Chocolate"
Tinkoff Black Edition
- There is a refund: 5% in the selected category of goods or services, 1% for all and up to 30% of the partners of the bank on specials. Offers.
Orange Premium Club - Promsvyazbank
- Free service in the event that there is an amount of at least 2,000,000 rubles. Or 1,000,000 with the amount of purchase in the last 30 days no less than 50,000 rubles.
- Booking tickets for flights, car rental and other - makes it possible to accumulate miles. 1.5 miles for every 30 spent wooden, and 15 for every 67 rubles on the website iglobe.ru.
- With the first purchase, 2500 welcoming points are given.
- Privileged black Master Card Master Product with Bonus Program. 2 points for every 60 spent ruble.
- Bonuses or miles can be spent on tickets in two companies: "Aeroflot" and "SkyTeam".
- The program of the bonuses "Vintage". 1.5 points per 1000 rubles spent.
- The maximum number of points for the month is 10 thousand.
Terms of receipt and use
At this time, rigorous banks are not exhibiting. Since if an ordinary client takes place, the benefits will receive a bank from expensive service. So buy it and decorate only "for the Pantians" - it is not worth it.
Outcome
Let's take a look at the black products of different banks. It can be noted that the conditions offered by credit institutions are not so increasing. It is worth paying your attention to cards with income programs. They will allow you to accumulate money at the residual balance. Funds flow monthly in an annual percent equivalent.
For discerning customers - lovers to travel with comfort, appreciating excellent service without attracting attention to their person, a premium MasterCard World Black Edition was developed. Exclusive capabilities and unobtrusive design confirmation.
What gets the holder of such a card? First of all, the service is several levels higher, moreover, both in the form of a system of payments and services in a banking institution.
What pluses gives MasterCard World Black Edition?
Rate the advantages of MasterCard World Black Edition is very easy. It is enough to pay for purchases using this card to get bonuses available only to you.
MasterCard World Black Edition is wide opportunities for those who are accustomed to the best one who appreciates every minute of their time and whom the quality service is important during travel.
This card has the following advantages:
- Payment of payments by contactless technology PayPass.
- Service in a bank to premium level, free service "Concierge".
- Default Insurance.
- Priority Pass - skip to the best airports at airports.
- Emergency help in case of loss cards.
- Separate telephone line.
- And other special features.
Service "Concierge"
MasterCard World Black Edition provides a personal concierge service. He will inform important information about the planned activities and, if necessary, book tickets.
Concierge offers the following services:
- Booking and buying tickets
- Information about the city stay with competent advice
- Car sales rental
- Feeding a car with a driver
- Golf course guide
- Tickets for cultural events and other events organized anywhere in the world
- Hotel booking, hotels guide
- Main news in the country and the world
- Assistance in the trip.
Priority Pass - your skip in business class expectations
The map opens access to the best airport halls throughout ground Shar. Using Priority Pass. The airport is a place where noise and a porcitution constantly reigns. Thanks to this program, you can relax in the premium waiting room. And this feature is provided regardless of class and airline. VIP halls are located in three hundred different cities. To get into one of them, it is enough to present a membership card at the entrance.
A busy person is always lacking time to translate the Spirit. Taking advantage of the VIP-hall, you will have the opportunity to wait for the flight in silence and tranquility, and also work if necessary. No one will disturb you!
Priority Pass from Mastercard Black Edishn is:
- Several hundred high-level halls in more than one hundred countries.
- Accessibility of the hall without taking into account class and the selected airline.
- 70 and more halls in American airports.
- Internet access, meetings for meetings.
- The atmosphere contributing to pacification.
- Snacks and drinks as a free compliment.
- Carefully thoughtful infrastructure for fruitful work and high-quality rest.
Travel insurance
All MasterCard World Black Edition cardholders receive by default insurance against accidents and diseases for the period of departure abroad. This program gives the following advantages:
- Not only the card holder, but also members of his family, to whom the spouse or spouse belongs, as well as children of 6-18 years old, as well as children under 23 years old - students of the day form of the university.
- The owner of the card can receive a visa without additional payments.
- No need to activate insurance using a transaction on a payment card.
- Ability to gain custom-assistance service Ltd.
Credit on MasterCard World Black Edition
Considering the status of a "black card", maximum size The loan is much higher for it even for new customers.
Get up to 5 premium debit cards MasterCard World Black Edition Prime Minister and Visa Platinum Premier within the framework of the Sberbank Prime Minister package.
In which banks can MasterCard World Black Edition be issued?
Premium cards Suggested by many banks of Russia. Their number includes Sberbank, Alpha Bank, and others.
The advantages of the card are that 0.5% is charged for each purchase in other cases, the bonuses are:
Another advantage of MasterCard World Black Edition Sberbank This is an opportunity to accumulate bonuses with participation in bonus program "Thank you from Sberbank." For each bonus thanks you get 1 ruble.
VTB releases an elite card that has already found positive responses from users. Mastercard WORD is a platinum map "Privilege", also called visa Black New Line VTB - business card business card, one of the most prestigious banking productswhich offers a number of discounts and bonuses.
Procedure for registration
Card design is a process that requires compliance with some nuances. And, in order not to get into the face, you need to get acquainted with them.
Requirements for holder
From the holder, registration is needed in the area of \u200b\u200blocation of the bank, permanent place of work, as well as citizenship of the Russian Federation. Documents confirming the level of income are not required.
Terms of Service
EDICHN CARD VTB is absolutely free real. To free service New Edishn maps have become possible, your banking history should contain at least one of the following financial details:
Service cost
Map VTB Edishn charges payment for annual service in the amount of 10,200 rubles, i.e. a little less than $ 200. Payment is carried out at the VTB 24 CASS. Grace period It is 7 weeks. The size minimum payment per month is exactly 3% of the amount of debt, as well as interest from your loan. VTB clients have the right to order a whole 5 chalks for free. For subsequent Edishns, it will be necessary to pay 5 thousand rubles. The rate is from 18% per annum.
Discounts and bonuses
With VTB Black you can get additional bonuses. The owners of the collection package "Collection" bank charges bonuses when making purchases on the Black map. Features of the discount system are concluded in diversity. And in the network of restaurants, and in the gym - when paying the New Edishn map you can find pleasant surprises, which is limited to other debit cards or credit cards.
Advantages and opportunities
Elite Card provides the Holder the opportunity to consolidate the VTB manager and consult with him about the Card of Black Edishn. In all VTB ATMs, as well as Sberbank and other banks, the Cash Remissions Commission will not exceed 6%.
The limit for cash with black elite is 300,000 daily, and within 30 days - 3 million rubles.
Technology contactless payment
Thanks to the technology contactless payment You can do everything financial operations remotely. All you need - mobile phone, Internet and, of course, contactless Black VTB. In addition, this technology is part of the terminal system located in public places. The essence of the technology is that you confirm the intention of transferring funds from your account using the Black Map data. After confirmation, the desired amount is automatically written off from the account.
Pros and cons
This technology gives you the opportunity to receive the desired products without physical contact with the Black map, which frees you from the permanent wearing New Edianc.
Among the minuses, you can allocate what your financial statistics on the VTB account may be incorrectly displayed on the screen of the broken terminal, if it is outdated and failed. Service, respectively, can be temporarily limited within your location.
Reviews
Sergey
When I issued the international MasterCard Elite Black Edition, to control my finances was much easier. My credit money began to deduct automatically. I even forgot about a loan for a while. Pleases the system of bonuses on deposits. I use, follow.
Valery
I already had a social map VTBWhen I decided to update the control of my finance and place another MasterCard World ELITE for greater freedom and control of my funds. I never regretted, the requirements correspond to. Thank you!
Denis
Thank you for the release of Edyshn black card. Evaluated its main features. I use, especially on trips abroad. I like that it provides for discounts in restaurants and other public places.
Pavel
I became an affected bank client when I actively started buying tickets - for myself, friends and companies. I read on the site about the conditions of the package and reviews about it and realized that with my costs it is the perfect option. The cost of maintenance is relatively low - it also pleases.
