Sberbank VIP cards: MasterCard and Visa Gold, Platinum, “Premier” tariff plan. Premium credit card Holder requirements

At first glance, it may seem that a VIP debit card, for example, Visa Gold, MasterCard Platinum, etc. – This is solely a demonstration of the client’s status, his special position and financial capabilities. However, if we look at this issue more deeply, it turns out that premium cards also give their owner certain material advantages (for which, of course, you have to pay). Next, we will show this using the example of elite Sberbank cards and compare the opportunities that each of them opens up for its owner.

Premium cards from Sberbank: brief description

All VIP cards from Sberbank can be divided into 3 groups:

Please note that anyone can purchase the first 2 types of cards (having received approval from the bank after submitting an application), however, in order to connect to the Premier tariff plan, you must meet one of the following conditions (which differ depending on the region):

• Invest from 1 to 8 million rubles (for the capital) and from 400 thousand to 4 million rubles (for residents of other regions) into a Sberbank deposit account.
• Receive monthly transfers to a salary card issued as part of a salary project, ranging from 150-500 thousand rubles monthly (for the capital) and from 50 to 200 thousand rubles (for other regions).
• Over the last 3 years, issue mortgage loans totaling from 6 to 10 million rubles (for the capital) and from 2 to 5 million rubles (other regions).
• Have an average monthly payment on a Sberbank loan of over 50 thousand rubles (for the capital) and over 25 thousand rubles (for other regions).

The Premier package, in addition to the opportunity to issue premium class cards for free, allows clients to be served in offices where there is a special dedicated area for VIP clients, without queues (700 branches in Russia); use the services of a personal manager; use specialized banking products, for example, safe deposit boxes; call the dedicated telephone line of the contact center.

We will talk further about the advantages and disadvantages of the cards provided as part of the “Premier” package, as well as the features of other premium cards, but I would like to dwell on the reviews of clients connected to the “Premier” tariff plan. At the moment, most of them are negative: the bank introduced this package not so long ago, so perhaps it is still “raw”. Most often, clients complain about the inability to contact a personal manager, long waits for feedback, incompetence of employees, etc. (i.e. the notorious “human factor”).

So, let's look at the terms of service for Sberbank premium cards in more detail.

Sberbank Visa Gold and MasterCard Gold cards

Gold class cards offered by Sberbank are available to anyone over 18 years of age. They provide their owner with the same opportunities as classic cards, and are issued and reissued free of charge (only annual maintenance is paid). Additionally, Gold card holders can receive discounts on car rentals from Hertz. The difference between Visa Gold and MasterCard Gold lies in the bonus programs of the payment systems themselves.

By purchasing Visa Gold, you receive additional privileges from the Visa payment system of the following nature:

• The opportunity to seek help from the concierge service, where they will help you organize your trip: choose the best routes and hotels, book air tickets and rooms; will provide information about aircraft flights; They will tell you where the nearest restaurant or store is, etc. They will help you rent a car, arrange flower delivery, book a theater ticket, etc.
• The ability to seek medical and legal assistance while traveling (consulting services provided by the international company International SOS).
• Participate in Visa discount programs.

Important: holders of Visa Gold and Visa Platinum cards can count not only on consulting services in the provision of legal and medical support, but also real assistance. This is an additional – paid – service that is provided abroad and only if 50% or more of the ticket price was paid using a Visa card.

As for the MasterCard payment system, its VIP clients automatically become participants in the Priceless Moscow program. They can:

• Receive discounts when booking hotels, paying bills at partner restaurants, grocery stores, sports complexes, boutiques, etc. (addresses of partners can be found on the website www.pricelessmoscow.ru).
• Receive invitations to closed events.
• Take advantage of promotional offers abroad (hotels, restaurants, tour operator services, etc.).

Comparing the “World of Privilege” programs from Visa and “Priceless Moscow” from MasterCard, it can be noted that the Visa program turns out to be more extensive. It focuses not only on discounts, but also on additional services (both paid and free); Visa also has more promotional offers.

Sberbank Visa and MasterCard Platinum cards

Cards of a higher level and more expensive to service (compared to Visa Gold and MasterCard Gold) allow you to get all the basic features and a number of additional ones. You can apply for a card from a Sberbank Premier manager, and only if you are over 21 years old. Please note that after submitting an application for a card, a manager must contact you within 3 days and inform you about the bank’s decision. Platinum class cards are not issued to all applicants; the bank evaluates the client’s socio-economic situation and only then provides an answer.

Platinum cards from Sberbank provide the owner with the following privileges:

• “Purchase Protection” service: automatic insurance of purchased items against theft, accidental damage, etc. within 90 days from the date of purchase. The insurance amount is $20,000 per year. The insurance partner is RESO-Garantiya and its agent - AXA Travel Insurance.
• “Extended Warranty” service for goods over $50 paid for with a Platinum card (the warranty is doubled, but should not exceed 24 months). The total amount of all claims for the year cannot exceed $20,000.
• Consulting services. Medical and legal support abroad provided by International SOS. The complex of medical support includes counseling the patient, as well as monitoring his condition during and after hospitalization. Legal assistance consists of providing contact details of lawyers abroad, etc.
• Concierge services. Important: the service is provided only to Visa Platinum cardholders. The service is not available to MasterCard Platinum holders.
• Owners of MasterCard Platinum can become members of the closed club of travel lovers NILSEN CLUB, where they will be helped to choose the best routes and organize a vacation in any country in the world (similar services are the responsibility of the Visa Concierge Service employees).

Thus, within the framework of platinum cards, MasterCard is again inferior to Visa cards, especially since concierge services are extremely popular among VIP clients.

Sberbank cards Visa Platinum Premier, World MasterCard Black Edition Premier

Sberbank Premier class products are provided exclusively within the package of the same name, the main advantages and disadvantages of which you are already familiar with. The Visa Platinum Premier card provides the holder with the same benefits as the regular Visa Platinum, and the World MasterCard Black Edition Premier card provides expanded opportunities compared to the MasterCard Platinum. Additionally, holders of this card have access to concierge services.

Also, as part of the Premier package, clients can count on:

• Life and health insurance with a coverage area of ​​“The Whole World” and an insured amount of up to 100,000 euros. This policy will be required when opening a visa and can be used an unlimited number of times. Insurance partner – RESO.
• Bank card insurance. The service allows you to receive an insurance payment if fraudsters use your stolen or lost card (the amount insured is up to 150 euros), and if you are attacked near an ATM (indemnity is up to 1,500 euros).
• Contactless payment for goods and services of the trade and service network using Visa PayWave and MasterCard PayPass technologies.
• Participation in the Priority Pass program, which allows you to use the services of comfortable business class lounges at the largest airports in the world.
• "Insurance at the best price." This type of insurance is only available in the Premier package. If you purchased a product and then saw a similar one, but at a lower price, the insurer will reimburse you for the difference (insurance coverage - 1000 euros).

To understand how much certain card benefits actually cost, let’s study Sberbank’s tariffs.

* The cost of service in the Premier tariff plan is 2,500 rubles/month (30,000 rubles/year), but payment is charged only if the client’s total balance on all current, card, deposit accounts, as well as compulsory medical insurance at the end of the month less than 2,500,000 rubles. The bank also provides clients with a grace period of 2 months from the moment they join the tariff plan. There is also no service fee charged during this time.

Having analyzed Sberbank’s premium card products, we can come to the conclusion that Visa cards are more profitable in comparison with MasterCard, and as for the card level, you should choose based on your financial capabilities and needs. If you have a deposit with Sberbank in an amount greater than 2.5 million rubles, then the best choice would be servicing within the “Premium” package.

To favorites Added to favorites Delete 0

Average rating 0

Average rating 0

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 is 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 receive 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.

What is a credit card and how is it different from a debit card?

A credit card is a card for making purchases on credit. Unlike a debit card, which holds your own money, a credit card holds the bank's money. You can use this money to buy goods in stores and online. You can even transfer money to friends or family or withdraw cash from an ATM, but keep in mind that the bank will charge a fee for these transactions.

How to choose a credit card?

When choosing, pay first of all to the size of bonuses for purchases, the cost of service, the size of the credit limit and privileges from the payment system.

At what age can you get a Sberbank credit card?

Any Russian citizen aged 21 to 65 years inclusive with permanent or temporary registration in any locality of the country can apply for a credit card. The bank makes a decision on issuing a card and the size of the credit limit individually.

What is a pre-approved card offer and how do I know if there is one for me?

A pre-approved offer is an offer from a bank to issue a credit card with a pre-approved credit limit. If you receive such an offer, this means that the bank is highly likely to approve issuing you a card.

To find out if there is a pre-approved offer for you, . If there is an offer, you will immediately see the approved credit limit and preferential terms. The card will be delivered to the branch of your choice.

How to start using a Sberbank credit card?

After receiving the card, first of all, make sure that your first and last name in Latin transcription is correctly indicated on its front side. Then sign your name on the reverse side in the signature line.

How to pay by card in stores and online?

In the shop. Tell the cashier you are going to pay by card. Insert the card into the payment terminal and enter the PIN code. If you have a card with contactless payment, simply present it to the payment terminal. Purchases over 1,000 rubles require entering a PIN code. The cashier may also ask you to sign a check.

In the Internet. On the payment page in the online store, enter your card details. To confirm payment, an SMS with a code will be sent to your phone. Be careful: you do not need to enter a PIN code when paying online - it is dangerous.

How to pay interest on a Sberbank credit card?

Interest for using credit funds is debited from the card automatically, so you don’t need to do anything special for this. But if you manage to return the money during the grace period, which lasts from 20 to 50 days, you will not have to pay interest.

How to avoid credit card interest?

To avoid paying interest, try to repay the purchase balance within the interest-free period.

For example, the report date for your card is October 1, which means the grace period begins on October 2. If you made a purchase on October 2, you have 50 days to repay the loan without interest, that is, until November 21. If you make a purchase on October 20, then there are 32 days left until November 21 to repay the full amount of the debt without interest.

What transactions are not covered by the grace period?

The grace period does not apply to amounts of cash withdrawal transactions, transactions in casinos and sweepstakes, payments for online games, purchases of foreign or cryptocurrency, traveler's checks, lottery tickets, non-cash transfers, including transfers to electronic wallets, as well as amounts exceeding the limit loan.

Where can I find out the date of my credit card statement?

There are three ways to find the credit card statement date:

On your credit card report. The card report is sent monthly by email the day after the report date.

In your Sberbank Online personal account. In the Cards section, select your credit card, and then click the Card Information tab.

Call the 24-hour contact center at any of the numbers: 900- for subscribers of MTS, Beeline, Megafon and Tele2 in Russia. Free when in your home region and in intranet roaming.

8 800 555-55-50 (free in Russia)

+7 495 500-55-50 (for calls from anywhere in the world)

How to top up a credit card?

You can top up your credit card in several ways:
1. Transfer from a salary card to Sberbank Online or through an ATM.
2. Top up the card with cash through an ATM or with the help of an employee at the Sberbank office.
3. Transfer from a card of another bank to, as well as in the Sberbank Online mobile application.
4. You can top up a blocked credit card to or arrange a transfer from a third-party bank account.

Crediting the transferred amount to a credit card in the Bank's internal network - from 15 minutes, but no later than the next business day.
Replenishment from cards/accounts of third-party banks - no later than the business day following the day the funds are received by the bank.

Is it possible to transfer money from a Sberbank credit card?

Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - yours or any other client.

Please note that for transfers from a credit card a commission is charged in accordance with the Bank's tariffs, including when transferring your own funds. .

How to increase the credit limit on a card?

The decision to increase the credit limit is made by the bank. If you actively use the card, the bank may decide to increase the credit limit amount. If you have not used a credit card for a long time or have not used it actively, the bank may offer the client to reduce the limit on the credit card. Such offers usually come via SMS.

The Mastercard World card is a means of payment with the ability to accumulate bonus points, which can later be spent on purchasing goods or services. It was developed for people who spend a lot of time traveling around the world, but are accustomed to a high level of comfort and service. When paying for services and purchases with a card, a person can count on the accrual of points, the size of which depends on the amount of the transaction performed. The payment method has a number of other advantages. To identify them all, you need to familiarize yourself with current information on the topic.

A little about Mastercard

If you study the means of payment that MasterCard issues, you will find out that they are all divided into 3 groups. A person can issue one of the following types of cards:

• entry level;
• classical;
• premium class.

Regardless of what type of payment instrument he or she owns, the user can pay for goods and services, as well as withdraw cash. In addition, you can connect SMS alerts and Internet banking to all types of cards.

However, there are differences between types of payment instruments. They consist of additional bonuses that the bank is ready to provide. Thus, the owners of premium payment instruments have the largest list of privileges. In the MasterCard system it is:

• Mastercard Gold;
• MasterCard Platinum;
• MasterCard Word.

MasterCard World: advantages over other means of payment

Unlike most plastic cards, MasterCard Word was specially designed for the modern person who travels a lot to different countries and is accustomed to comfort and security, regardless of where in the world he is. MasterCard World benefits are designed to meet the needs and challenges that the modern traveler may face. Holders of a means of payment can count on the following benefits:

• if a person actively uses the card, he can gain access to VIP lounges at airports;
• annual maintenance is provided on special terms;
• you can get health insurance for up to 60,000 euros;
• the owner can take advantage of a number of special offers from MasterCard partners;
• lending can be carried out on preferential terms.

A person who applies for MasterCard World gets the opportunity to participate in bonus programs of issuing banks and MasterCard partners.

MasterCard World: varieties

If the capabilities of the World payment instrument seem insufficient to a person, he can expand them by using one of the advanced types of cards. Thus, the user can apply for MasterCard World Black Edition or MasterCard World Elite. Cardholders have access to the following bonuses:

• the ability to contact the concierge service to resolve any issues 24 hours a day;
• the amount of health insurance increases to 200,000 euros;
• the owner of the payment instrument can become a participant in one of the unique programs offered by MasterCard;
• the card gives access to VIP lounges at airports Priority Pass;
• a personal manager will be assigned to the person;
• the cardholder becomes a participant in bonus programs of issuing banks and MasterCard partners;
• the person is provided with an International Air Passenger Association IAPA card.

Among the general list, the opportunity to participate in the bonus programs of Mastercard partners stands out. When making purchases and paying for them with a card, a person will receive bonuses. Having accumulated a certain number of points, the user will be able to exchange them for purchases or plane tickets. Some organizations are ready to accept bonuses as payment for hotel stays or communication services.

A similar service operates within the framework of the “Thank you from Sberbank” program, organized by the credit organization of the same name. If you use a MasterCard World card, Sberbank of Russia will award bonuses in the amount of 0.5% to 30% of the purchase price.

Another partner of the Mastercard payment system is PJSC VimpelCom. Common people are used to seeing a company called Beeline. You can become a card holder at any of the company's offices. When making purchases, the client can count on bonuses in the amount of 1% of the purchase price. If a product is purchased as a promotion from a partner organization, the return amount can be up to 15%.

Mastercard World registration procedure

To become the owner of a means of payment, a person must contact one of Maxsterscard’s partner banks. Statistics show that most citizens prefer to issue cards at Sberbank. To obtain a Mastercard World from your organization, you must complete the following steps:

• contact the company branch;
• provide a passport of a citizen of the Russian Federation;
• fill out an application form requesting a card;
• study the documentation offered by Sberbank employees;
• leave a signature on the papers.

Online payment processing is not possible. However, using the Sberbank of Russia website, you can apply for a similar Visa Inc. product. To perform the manipulation, you will need to enter data into the online form. Theoretically, using this method, you can apply for various types of Mastercard World payment instrument. However, if a person wants to apply for a card without any problems, experts advise visiting a branch of the institution in person.

You can also register a payment instrument at the Beeline office. In addition to the classic questionnaire, the user will have to pay 500 rubles, which will be credited to the card.