Tinkoff S7 Airlines credit card. Tinkoff S7 Airlines credit and debit card: how to get it, reviews, conditions, how to spend miles What opportunities do S Seven card holders get

Tinkoff together with S7 Airlines have developed a special loyalty program. There are 4 types of cards available: debit and credit World and Black Edition. The plastic belongs to the MasterCard payment system. You are allowed to switch to the program at any time; re-issuance of existing cards is not required. But points and bonuses accumulated under other programs expire. There is no information in the rules about what happens to All Airlines miles.

Loyalty program Tinkoff–S7

Co-branded plastic holders:

• accumulate miles for purchases and flights with S7 and OneWorld alliance companies;
• buy tickets for closed events (held quarterly, the date is announced in advance);
• exchange savings for free air tickets;
• upgrade service class from economy to business;
• withdraw cash from any ATM in the world for free if the amount exceeds 3,000 rubles;
• exchange currency at a favorable internal bank rate;
• retain the privileges of the classic S7 Priority program.

Customers who have made debit transactions in the amount of 800,000 in the first 90 days of owning World cards receive additional opportunities:

• assignment of the S7 Priority silver level, bonus accrual increases by 25%;
• check-in on the same basis as business passengers, priority boarding;
• free choice of preferred location;
• free transportation of excess baggage;
• once every 365 days, free exchange of an economy class ticket for a business one.

Owners of the Black Edition, at similar costs, in addition to the privileges mentioned above, receive the following:

• 2 times a year free exchange of an economy class ticket for a business one;
• $100,000 insurance coverage covering medical expenses (including skiing and snowboarding incidents) for the cardholder, spouse and three children under 18 years of age;
• dedicated telephone number when contacting the S7 call center;
• personal bank manager;
• concierge service in the native language (hotel booking, car rental, restaurant reservations, viewing the poster of cultural events at the place of stay);
• access to airport business lounges as part of the LongeKey program with free refreshments, comfortable surroundings and upholstered furniture (registration required at loungekey.com/tinkoff).

Special promotions for cardholders are regularly held.

For example: until January 31, 2019, 20% of the purchase price is returned for duty free purchases. Until February 28, 2019, Tinkoff-Perekrestok points are available for exchange for S7 miles at a favorable rate (8 points = 1 mile).

S7 Priority loyalty program

Adults and children over 2 years old can participate. Rewards are accrued only for flights by S7 and airlines of the OneWorld alliance and only at fares included in the accrual.

There are 4 levels (Basic, Silver, Gold, Platinum), which differ in the number of miles received and the set of privileges.

You can receive additional rewards for using the services of partners (hotels, rental offices, restaurants, shops).

Participants have the right:

• receive discounts on tickets for children and infants;
• restore miles for the last 6 months during initial registration and in the case when you forgot to indicate the member number when purchasing a ticket;
• purchase award tickets;
• improve service class and seat selection;
• purchase miles if the accumulated ones are not enough (maximum 10,000 per year).

If, when ordering payment cards or a credit card, the potential client is already a member of S7 Priority, then when filling out the application, you should indicate the member number (applied on the front side under the full name).

If this is not done, a new bonus account is opened. To combine savings, you will have to contact the S7 support service; according to the regulations, 30 days are allotted for review.

For accelerated savings, it is more advisable to use co-branded bank cards. Credit cards are more profitable than S7 debit cards from Tinkoff if you meet the grace period and do not pay interest on the use of borrowed funds.

Debit cards

Bonus calculations are as follows:

Servicing cards will cost 190 rubles per month, if you do not constantly keep more than 150,000 rubles (for World) and 300,000 rubles (for Black Edition) on your account. The daily incoming balance is taken into account. Overdraft and installment plans are acceptable.

Credit cards

The remuneration calculation is as follows:

The credit limit for World cards is 700,000, for Black Edition – 1,500,000. The standard grace period is 55 days. It is possible to connect by installments.

Annual maintenance for World will cost 1890, and Black Edition – 7990 rubles.

Features of accrual

The reward is displayed on the account in your personal account on s7.ru 5 working days after the statement is generated.

When using credit cards, payment cards and additional cards at the same time, miles accumulate on a common account.

When calculating, 1 mile is given for the full 60 rubles. Fractional calculations are not provided; rounding down to the nearest whole number is performed.

Example: an item worth 45,356 was purchased. 45,000 will be credited: 60 = 755.93 = 755 miles.

If you spend 50,000 per month on everyday needs and purchase tickets to S7.ru for 30,000 per year, then World cards will accrue 16,500 miles, and Black Edition cards – 22,000 (provided that a minimum balance is maintained on debit cards ).

For your first flight on an S7 flight, the airline gives you 500 welcome miles. If debit transactions amounting to 250,000 were made on credit cards in the first 3 months, then the bank will credit 12,000 gift miles. This is enough to purchase a one-way premium ticket to Barcelona.

For expenses over 600,000, 20,000 miles are given. This is enough to purchase a one-way premium ticket to Vladivostok. To receive a gift, you must take 1 paid flight at a fare that is included in the accrual of miles.

When there are no miles:

• there is a difference in the spelling of full name. in your personal account and on the ticket or the date of birth does not match;
• depositing and withdrawing cash and performing equivalent operations;
• acquisition of financial instruments (checks, shares, bonds, etc.);
• payment for housing and communal services, internet, mobile phone;
• transfer of funds (including replenishment of electronic wallets);
• gambling;
• payment for goods, works and services via online banking or mobile application.

Tinkoff is not responsible if the acquiring bank provided incorrect information regarding the transaction performed or assigned incorrect MCC codes.

Miles are valid until the end of the current year and the next 2 years. Paid extension is possible. Bonuses become fireproof if at least 1 paid flight at a suitable fare is made during the year and at least 5,000 are collected (prize and promotional points are not taken into account).

If fraudulent activity or abuse of the loyalty program is detected (the rules do not specify what this means), accrual is suspended until all circumstances are clarified. If a decision is made to disconnect the client from the program, then reconnection is impossible.

How to spend miles

You can spend your savings in the following ways:

• buy a ticket for S7 flights (minimum 6000);
• buy a ticket for OneWorld alliance flights (minimum 7500);
• transfer to a friend (from 500);
• upgrade your service class (from 6500) via the Internet (no earlier than 24 hours before departure) or upon check-in at the airport (no earlier than 3 hours before departure);
• book a standard seat (from 1000) or superior comfort (from 2500);
• Pay for excess baggage (from 5000), only possible for direct flights;
• donate to charity “RUSFOND” or “Ordinary Miracle”.

Services are available to fellow travelers if they are on the same booking as a loyalty program member.

The website s7.ru presents miles calculator. It will allow you to find out how much is required for a specific flight or how much is needed to purchase an award ticket, taking into account the type of card, the client’s status in the loyalty program and the airline.

How to find out your savings balance

You can track miles on your S7 Tinkoff card in the following ways:

• on S7.ru;
• in the monthly statement;
• by phone 8-800-100-77-11 and 7-495-777-77-11.

Advantages and disadvantages

The undeniable advantages of S7 cards from Tinkoff Bank include the following points:

• developed route network of S7 airline and OneWorld alliance (150 countries, 1000 destinations);
• there are no restrictions on the maximum accrual of miles per billing period;
• upon termination of the banking agreement, unused miles do not expire, since information about them is stored by the partner;
• issuing cards for clients with different needs;
• an interesting set of privileges;
• insurance covering family members of the account holder;
• ease of receipt and use;
• high limits on credit cards.

The disadvantages are as follows:

• an award ticket must be purchased in advance, the number per flight is limited;
• Upgrades to service are possible subject to availability;
• It is not profitable to purchase tickets using one-way miles;
• additional privileges are granted only when making large expenses;
• When upgrading your service class from business to economy, the baggage allowance remains unchanged;
• sales are not always interesting (often the discount does not exceed 15%);
• Miles cannot be used to purchase a Business Pass;
• Part of the ticket cannot be paid for with miles, only in full;
• taxes and fees are not paid with miles, only with your own funds;
• the card cannot be made multi-currency, which would be extremely useful for travelers (you have to create several cards in different currencies);
• If a flight is canceled or a ticket is returned, miles will not be compensated;
• expensive annual maintenance.

Active users of co-branded cards speak generally positively about the product. I especially like the opportunity to withdraw cash around the world without commission fees (you need to check in advance whether the ATM itself charges a commission). The conditions for accruing miles are transparent, there are no delays.

It's easy to order and receive a card. There are no difficulties with using additional privileges. The bank is client-oriented, and when difficulties arise, it often helps the client halfway.

Comparison of the program with All Airlines

Tinkoff offers its clients to fly for free, anywhere, with any airline. The program is interesting for those who often travel around the world using different airlines.

Miles are awarded for any purchases in the form of cashback (10% for purchases on tinkoff.travel.ru, 5% for train tickets, 2% for everything else). In general, the conditions are less attractive than under the Tinkoff–S7 program:

• welcome miles do not exceed 5000;
• maximum credit limit 700,000 rubles;
• it is impossible to spend savings when purchasing a ticket, you can only compensate for expenses already incurred within 90 days;
• the maximum accrual for the billing period is 6,000 miles (if more is accumulated, the payment is transferred to the next month);
• no access to airline privileges.

conclusions

Tinkoff Bank managed to create a high-tech product adapted for users with different needs and incomes. Everything is done to ensure that miles are accumulated as quickly as possible.

The S7 Tinkoff card has no significant disadvantages. But it will be of interest only to those who really often fly S7 flights and use the services of airlines that are members of the OneWorld global alliance.

Tinkoff Bank, together with S7 Airlines, has released a line of plastic cards called Tinkoff S7 Airlines. These cards allow you to accumulate miles for flights not only with C7 airlines but also with other airlines, pay for goods and services in stores and on the Internet, and also have the full functionality of regular cards.

What is needed for registration

Today, both debit and credit cards are available, and each card is issued in two categories: World and premium Black Edition. You can get a card by ordering it online; for a debit card you only need to provide your passport to a bank employee, and credit cards can be obtained if a number of conditions are met:

• Age from 18 years;
• Availability of registration in the region of the Bank's representative office;
• Work experience of at least 3 months at the last place of work at the time of application.

The Tinkoff personal account allows you to remotely manage all services, including the Tinkoff S7 card, request statements, replenish it and select bonus benefits.

Differences between World and Black edition maps

For those who like to save money and travel comfortably, in addition to a credit card with a simple set of World options, a black card is offered, already known to many for its status based on past products from Tinkoff. By choosing a Black Edition product, the user gets the opportunity to be served by a personal manager, order a concierge service (this is something like a professional guide to cities while traveling), get access to business classes while waiting for a plane, and free insurance covering up to $50,000.

For credit cards of the Black category, an increased accrual of bonus miles is possible for each transaction made using plastic, and the amount of credit coverage when purchasing a card is 2 times higher and amounts to 1,500,000 rubles versus 700,000.

The bank independently sets the loan amount, and if the debt is properly serviced and there are no delays, it can unilaterally raise the limit and reduce the loan rate.

By paying every 60 rubles on S7 flights, you can accumulate from 1.5 to 4 miles depending on the category of the offer; you can also receive up to 2 miles for every 60 rubles paid in stores.

If you have at least 6,000 miles, you can exchange them for a flight or part of it, or upgrade the lounge class or service level. You can also transfer miles in your personal account to friends if they don’t have enough to complete the flight.

Service cost

All types of cards are personal and are issued free of charge with a subsequent fee for annual maintenance.

The cost of issuing and servicing cards depends on the category; for the World debit card category it will be 190 rubles per month, and if you have a minimum balance of 150,000 rubles, the procedure will be free. Under the same conditions, but with an increased commission for servicing the account, a premium category card is opened, and the cost of service will be 999 rubles per month.

For all cards worth over 3,000 rubles, free withdrawal of money from any ATM in the world, and the SMS notification service for transactions will cost 59 rubles per month.

Conditions for receiving a card

Borrowed money is issued from 18.9 to 29.9% per annum, and exact information can be obtained after approval of the credit card and depends on:

• The borrower's work experience;
• Official income;
• Income certificates in form 2_NDFL;
• Age.

The minimum amount to repay the loan is set at 8% of the debt amount, and there is a grace period - the period during which you can use bank funds without commission. The grace period is 55 days

SMS – transaction notification is paid and will cost 59 rubles per month for the service connected to one credit card.

For cash withdrawal transactions, the bank may charge a commission of 35.9 to 39.9%, depending on the location of the ATM and the amount of the transaction.

The cost of servicing a global credit card and a premium one will be 1,890 and 7,990 rubles, respectively, and additional cards for accounts with the ability to independently regulate financial flows will cost 590 and 3,990 rubles.

How to spend miles

When receiving any type of plastic card and activating it in your personal account on the website https://www.tinkoff.ru, the user can receive 12,000 welcome miles, which can be used to pay for flights and services in airport lounges.

When purchasing from the bank's retail partners, you can earn up to 18 miles when choosing certain special offers.

You can choose to pay with miles when you set the route and flight date on the carrier’s website.

Note that you can write off miles not only with S7, but also with many major airlines, such as Lufthanza and Air France.

In addition to redeeming miles for a flight, you can upgrade the class of the flight itself, select a specific seat in the cabin, and choose where to store your luggage.

For its customers and Tinkoff product holders, the airline holds closed ticket sales twice a year; you can receive an invitation by fulfilling all the conditions of an active participant in the quarterly bonus program. In addition, if these conditions are met, up to 25% of their value will be added to the mileage account.

All operations for purchasing tickets can be carried out not only using a laptop or computer, but also mobile devices by downloading Tinkoff applications on Google Play and AppStore.

Conclusion

The Tinkoff Bank S7 card is a good offer for those who like to travel a lot and comfortably. If we consider World category plastics, then the amount of service for them is quite comparable to what other retail banks offer.

Black cards of premium categories are distinguished by the ability for their owner to travel comfortably, regardless of where they are in the world.

You can receive a card in 1-2 days, with the ability to make purchases and acquire miles. The standard grace period will allow you to use the plastic card like a simple credit card, saving on flights from time to time.

The Tinkoff S7 Airlines card is issued by the famous airline alliance and financial institution Tinkoff.

This is a co-branded card that allows you to enjoy the benefits of financial services.

Features of Tinkoff S7 Airlines

The interest rate is considered the best among similar products. The maximum annual rate is 29.9%, the minimum is 18.9% (subject to non-cash payments).

For cash withdrawals, the bank charges an annual interest rate of 39.9%. Users of the Tinkoff S7 card pay for goods, and for this they receive Silver status, which is considered the best in the system created for people traveling by air.

Card features

Participants in the S7 Priority system have the opportunity to order one of several types of financial products. This is: a debit card or credit card, a regular Mastercard World card or a premium card called Mastercard Black Edition. When a person opens two cards at once, he has one account, to which miles are credited for using both financial products.

Thanks to S7 cards, travelers have the opportunity to accumulate many bonuses. So, 1.5 miles are credited to your account for 60 rubles spent. The offer is profitable.

For the same amount, owners of the premium product will receive two. When paying with S7 Airlines directly (at the contact center or via the Internet), you receive more miles: 3 for online purchases, 4 for direct purchases.

But even more bonuses will be collected through the purchase of goods or services from Tinkoff partners. An amount of 60 rubles will bring the cardholder 18. This depends on the conditions under which the bank cooperates with the partner.

Tinkoff miles

Accumulated bonuses for money spent on joint accounts are exchanged for an award plane ticket. Tinkoff offers to save money and travel in comfort.

Active card users and frequent clients of S7 (S7 Priority club) are allowed to upgrade their service class on board. A bank client receives Silver status for account turnover of at least 800 thousand rubles (once a quarter). After this, access to class change services opens.

Additional benefits

Users of the S7 Tinkoff credit card, provided they have sufficient turnover for 3 months (the first), receive additional bonuses (12,000 miles for a standard class card, 20,000 for a premium product).

What does 12,000 miles give? This is enough to issue an award ticket. At the same time, 20,000 are allowed to take round-trip tickets from Moscow to any city in Europe that is located in the transport network of S7 airlines. It is difficult to find a person who would not be attracted by such an offer.

What do S7 Tinkoff premium card owners get? In addition to the benefits, holders of this financial product receive another bonus - visits to business lounges at different airports around the world. Each owner of this card is allowed to use concierge services and insurance.

The accumulated bonuses are spent on premium class air tickets on S7 airlines and with partners, of which there are about 13 in the alliance.

Among them are reliable American Airlines, JAL, British Airways and many others. Service is upgraded to business class.

Cardholders don't have to worry about buying tickets using miles. They are used to pay for the ticket even if there is only one last seat left on the flight.

There is no “lifespan” for accumulated miles. They cannot be lost over time or due to unfulfilled conditions.

These are fireproof bonuses that you can spend whenever you want. To do this, you need to save up to 5,000 per year by paying for goods by card, which is not difficult with such reasonable rates. This is an attractive cashback alternative.

This card allows you to spend money on your favorite things while accumulating bonuses for profitable airline travel.

Information! Each Tinkoff S7 product holder has the opportunity to become a member of a lucrative bonus program and receive elite status, which leads to better service during the flight, free baggage transportation and the best seats on board.

Active users of this co-branded product will easily accumulate enough miles to take advantage of the benefits of the card.

The work of many modern people involves regular flights. Many people spend a lot of money on buying air tickets. Tinkoff is a bank that works for the benefit of its clients. To help them save money, a special system was developed. The s7 airlines card from Tinkoff Bank will allow you to accumulate bonuses, which you can then spend on purchasing air tickets. Be sure to check out the bank's offer to see if it's right for you.

S7 Airlines is an airline that is part of a global alliance. The management met Tinkoff Bank halfway - together they decided to create a co-branding system. With its help, anyone can receive a special card, which will accumulate bonuses to pay for air tickets. Those wishing to join the system can choose one of 4 types of bank cards: credit, debit, standard MasterCard or premium MasterCard Black Edition. If desired, credit and debit cards can be linked to one account. The proposal has the following features:

• The bank card offers the most favorable conditions for those who fly frequently. For every 60 rubles spent, you will be credited with 1.5 miles (if a premium card - 2). When purchasing air tickets, 3-4 miles are accumulated for the same amount. During promotions, the number of bonuses can reach 18;
• You can upgrade your bank card status only if your expenses increase. Tinkoff will offer to replace the card with a premium one if you spent more than 800 thousand rubles on it in one quarter;
• With premium cards you can count on additional services or flights in business class;
• Program participants transfer baggage free of charge, regardless of distance or type of transportation;
• Cardholders can check-in for a flight without queuing - directly at the business class counters.

What opportunities do S Seven card holders get?

If you are participating in an airline promotion, you can order an unlimited number of cards at any time. You will have access to both debit and credit offers. You can order a premium world MasterCard or the same Black Edition. It is convenient to link several cards to one current account - then bonuses go to one place. This is an advantageous offer that is suitable for people who actively use airline services. The bank's website contains a detailed list of partners where you can spend money in such a way as to receive an increased return on miles. Using the service is convenient; call the operator who will answer all your questions.

Commissions and tariffs for using the card

A Tinkoff s7 airlines debit card or any other has significant advantages for people who often travel by plane. First of all, holders of such programs can visit the business lounges of any airport - just show your card to be allowed in. The holder can also obtain insurance at a discount or use the services of a concierge. Please note the following:

1. You can spend your accumulated points on purchasing tickets exclusively from S7 airlines or their partners: AmericanAirlines, JAL, BritishAirways;
2. With active use of the card, its status can be upgraded to business;
3. With miles you can pay part of the ticket price - it doesn’t matter how many offers are left;
4. The miles will be active all the time – they will not expire or be cancelled;
5. Tinkoff claims that such an offer is an excellent alternative to the standard cashback.

What do you need to get it?

Ordering tinkoff s7 airlines black edition is very simple. To do this, just call the organization’s call center and voice your wishes to the operator. You can also go to the official website and register a personal account, which opens up all the functionality. The most convenient way to order a product is through a mobile application - you can download it from any software store.