The premium card product of the MasterCard Platinum category is suitable for comfortable use in any country and provides the holder with many bonuses. Let's find out why platinum cards are good and what privileges they have.
Features of MasterCard Platinum cards
Debit and credit cards MasterCard Platinum is a modern premium banking product. Initially, this elite plastic was intended for wealthy and traveling bank customers, who were provided with many benefits and privileges as part of using this card product. Today, MasterCard Platinum is offered by many financial and credit organizations in a somewhat simplified version, thanks to which this card has become more accessible.
The main advantages of owning such a card:
- personal banking service- a personal manager is assigned to the card, to whom the owner of the plastic can always contact,
- preferential health insurance when traveling abroad
- the ability to open additional cards (usually up to 5),
- advantages in establishing credit limit– premium card holders can count on the most large sums borrowed money.
Often such card products are multi-currency and equipped with advanced technologies: contactless payment, the ability to use the phone as a payment "means" and much more.
Privileges of MasterCard Platinum cards
The privileges of Mastercard Platinum are one of the key parameters of exclusive service for those bank customers who can afford such plastic. Majority special offers and bonuses associated with the individual service of platinum cards.
Below are the main benefits that premium cardholders can count on:
- Special service "Global Service Center", provided by the international payment system MasterCard in cases where the holder is without a premium card abroad due to loss or theft of plastic. The service provides for the emergency issuance of a certain amount (specified in advance) of cash or the emergency replacement of a lost card with a new plastic one.
- Platinum card holders are insured against the risk of using the money stored on the card account by unauthorized persons.
- Possibility of registration by the owner of a premium card product of a special discount card of the International Airline Passengers Association. This makes it possible to receive discounts when booking hotel rooms, as well as when renting cars almost all over the world.
- Another nice bonus that those who travel a lot know firsthand is a special card Priority Pass. Its holders can use the first class lounges at the world's largest airports without restrictions.
- Some banks issuing platinum international cards payment system MasterCard, automatic connection of the International SOS service is provided. Using this service, holders of platinum plastics can receive up-to-date and useful information about choosing Vehicle in another country (routes, fares, flight schedules public transport), searching for cafes and restaurants (up to getting acquainted with the menu and ordering a table), selecting and booking hotels (studying the conditions of booking, accommodation) and much more.
- The Priceless Cities service is available to MasterCard payment system cardholders and allows you to take advantage of many interesting and advantageous offers and discounts in largest cities peace. More information Online .
Also, the privileges of MasterCard Premium include an insurance program for trips abroad, concierge services around the world, the possibility of free issuance of additional cards - Priority Traveler, IAPA, etc.
By the way, holders of premium platinum cards of the Mastercard payment system can take advantage of bonuses and privileges not only outside the Russian Federation. On the territory of Russia, using the treasured bank plastic, you can also book hotel rooms, book a table in a restaurant, use legal advice or get the health care you need.
Moreover, with the help of MasterCard Platinum, its owner can freely attend many closed events that are held on the territory of the Russian Federation: these can be closed shows, auctions, etc.
The best offers of Russian banks
Platinum cards are offered in many domestic banks, but the bonus programs and privileges listed above are far from being connected everywhere, since the bank reserves this right.
Among the most attractive offers of Russian credit and financial organizations the following can be noted:
All banking products work on the basis of payment systems (PS). Those, in turn, begin to divide into classes. The privileges, pluses and minuses provided by the payment system, as well as the cost of annual maintenance depend on the level of the bank card class.
In this article we will talk about the Mastercard product Black Edition. The black card belongs to the highest class - "Premium" with exclusive offers from PS. The privileged group also includes Platinum, Plastic Infinite and World Elite.
Features, Pros and Benefits
World Mastercard Black Edition "Premier" - has a high class of service and is usually issued and issued only for VIP clients. To date, banks have begun to issue these cards to anyone. Such products are typically used by travelers and highly privileged businessmen who have multi-million dollar accounts at the issuing bank.
- The possibility of opening a credit account with a limit of several million.
- Black Edition in most cases has free SMS banking (not in all banks).
- The interest rate on the loan is below average.
- The ability to insure yourself and your loved ones on trips for free.
- A personal manager who will advise the client on bank accounts at any time.
- Participation in discount programs from a credit institution and the MasterCard payment system.
- Emergency cash withdrawal abroad if the card has been lost. Issued by any bank.
- Upon presentation of the card, you can get Priority Pass privileges. This makes it possible to visit the business lounges of almost any airport on the planet.
- Purchase tickets at discounted prices. to various events around the world.
- Nielsen Club service - gives you the opportunity to travel anywhere in the world on any route.
- High ceiling for daily and monthly cash withdrawals. Up to several million.
- Possibility to issue a multi-account: in rubles, euros or US dollars.
NOTE! You need to understand that some of the pluses and privileges may be curtailed by the bank itself and differ depending on the institution where the PS Mastercard product was issued.
Minuses
- Very expensive yearly maintenance.
- It makes sense to apply only to wealthy clients in order to receive maximum privileges.
MTS
- If the amount on the balance is more than 400 thousand or the amount of purchases is more than 100 thousand, then the service is free.
BINBANK AirMiles
- Bonus program "My travels". 1% for everything, 7% for purchases in the "AIR TRAVEL" category.
- Remuneration no more than 10 thousand rubles per month.
BINBANK SVO Club Premium
- A similar program, as on the last card.
- Additional bonus program: 10% for purchases at Duty Free, but only at Sheremetyevo.
- 10% discount when paying an invoice in "Shokoladnitsa"
Tinkoff Black Edition
- There is a refund: 5% in the selected category of goods or services, 1% for everything and up to 30% from bank partners for special. suggestions.
Orange Premium Club - Promsvyazbank
- Free service if the account has an amount of at least 2,000,000 rubles. Or 1,000,000 with a purchase amount over the past 30 days of at least 50,000 rubles.
- Booking tickets for flights, renting a car, etc. - makes it possible to accumulate miles. 1.5 miles for every 30 wooden ones spent, and 15 miles for every 67 rubles on the iGlobe.ru website.
- The first purchase gives 2500 welcome points.
- Privileged black master card product with bonus program. 2 points for every 60 rubles spent.
- Bonuses or miles can be spent on tickets in two companies: "Aeroflot" and "SkyTeam".
- Bonus program "Harvest". 1.5 points for 1000 rubles spent.
- The maximum number of points per month is 10,000.
Terms of receipt and use
At this time, banks do not set strict conditions. Since if an ordinary client takes it, the bank will receive benefits from expensive services. So buying it and making it out only “for antlers” is not worth it.
Outcome
Let's take a look at black products from different banks. You may notice that the conditions offered by credit institutions are not so heavenly. It is worth paying attention to cards with income programs. They will allow you to accumulate money with a residual balance. Funds flow monthly in the equivalent of an annual percentage.
1. Offer valid until June 30, 2020 for World Elite Mastercard cardholders. Promotion Rules
2. Offer valid until December 31, 2020 for World Elite Mastercard cardholders. Promotion Rules
3. The offer is valid until December 31, 2020 for World Mastercard Black Edition and World Elite Mastercard cardholders. Promotion Rules
4. The offer is available for World Elite Mastercard and World Mastercard Black Edition cardholders. Promotion Rules
5. The offer is valid until 06/30/2020 inclusive, you can use the Services package until 06/30/2020. To participate in the promotion, you need to activate the "Autopayment" service and add one of the Platinum cards Mastercard®, World Mastercard Black Edition® or World Elite Mastercard® for top-up. Promotion Rules
6. The offer is valid from January 2 to September 30, 2020, for flights from January 10 to April 23, from May 6 to October 20, and from November 2 to December 20, 2020 for holders of Mastercard Standard cards, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard. Promotion Rules
7. The discount is available for Platinum Mastercard®, World Mastercard Black Edition®, World Elite Mastercard® cardholders in Moscow, St. Petersburg, Novosibirsk, Sochi, Rostov-on-Don, Kazan, Krasnodar. The offer is valid until December 31, 2020. The discount is provided to new and existing Yandex.Plus subscribers who have linked their Mastercard card in the Yandex.Taxi app for Business, Premier, Elite or Cruise tariffs. Maximum size the discount is 6,000 rubles per trip. When paying Apple Pay and Google Pay discount is not available. Promotion Rules
8. Offer valid for Mastercard Standard®, Gold Mastercard®, World Mastercard®, PlatinumMastercard®, World Mastercard Black Edition®, World Elite Mastercard® until December 31, 2020. Discount does not apply to car rental bookings in the US or Canada with vehicle pickup in the US or Canada. Promotion Rules
9. The discount is available to holders of World Mastercard Black Edition® and World Elite Mastercard® for residents of Europe, Africa, the Middle East and Asia, and car rentals in these regions until December 31, 2020. Residents of other regions or rentals outside of these regions, such as Australia, New Zealand, North America, South America and the Caribbean, etc., are not eligible for the discount. The amount of the discount is not fixed and may vary depending on the applied tariff plan, season, car availability and rental country. Booking with a discount is carried out on the site
10. Offer valid until March 31, 2020 for bookings until July 31, 2020. To get a 10% discount, go to the website, book a room, enter the promotional code AFMCARD219 in the "Use Coupon" field and pay for the reservation with a Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard. Promotion Rules
11. The offer is valid until December 31, 2020. Book a room, apartment or villa with Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard via the link and get 8% of the booking value on your Mastercard. Promotion Rules
12. Offer valid until September 1, 2020 for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard for stays at Radisson Collection™, Radisson Blu® and Park Inn® by Radisson hotels. Promotion Rules
13. The offer is valid for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard cardholders until February 29, 2020. To activate a 30% discount in the KinoPoisk service, you must log in to the site using your account and number mobile phone, to which Yandex.Plus is connected. The discount will be provided automatically when you pay for the content. Promotion Rules
14. Offer valid for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard until June 30, 2020. Promotion Rules
15. Offer valid for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard until March 31, 2020. The discount is provided for screenings from Thursday to Sunday with a Mastercard card in 76 cinemas of the united cinema network (Formula Kino, Cinema Park, Kino Okko) in 30 cities. Promotion Rules
16. The offer is valid for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard cardholders until December 31, 2020. Promotion Rules
17. The offer is valid for Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard, Mastercard BusinessСard, Mastercard World BusinessСard, Mastercard Preferred BusinessСard, Mastercard Corporate Card until December 31, 2020. Promotion Rules
18. Offer valid for Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard until December 31, 2020. Promotion Rules
19. Offer valid for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard until December 31, 2020. The discount is available only in the Dyson store in GUM. To receive a discount, you must inform the manager of the type of card before payment. The offer does not apply to the purchase of hair dryers. Promotion Rules
20. Offer valid for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard until December 31, 2020. The discount is available only in the branded store in GUM. To receive a discount, you must inform the manager of the type of card before payment. Promotion Rules
21. Offer valid until December 31, 2020 for holders Gold cards Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard, Mastercard BusinessCard, Mastercard World BusinessCard, Mastercard Executive BusinessCard, Mastercard Preferred BusinessCard, Mastercard Corporate Card, Mastercard Corporate Executive Card. The discount is available only in the branded store in GUM. To receive a discount, you must inform the manager of the type of card before payment. Promotion Rules
22. Offer valid until December 31, 2020 for Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard, Mastercard BusinessCard, Mastercard World BusinessCard, Mastercard Executive BusinessCard, Mastercard Preferred BusinessCard, Mastercard Preferred BusinessCard, Mastercard Corporate Card, Mastercard Corporate Executive Card. The discount is available only in the store in GUM. To receive a discount, you must inform the manager of the type of card before payment. Promotion Rules
23. Offer valid for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard until December 31, 202. To receive a discount, you must tell the cashier the type of your card before payment. Promotion Rules
24. The offer is valid until November 30, 2020 for Platinum Mastercard®, World Mastercard Black Edition® or World Elite Mastercard® cardholders. List of boutiques - participants of the promotion and full rules of the promotion at the link .
25. The offer is valid until December 31, 2020 for World Mastercard Black Edition®, World Elite Mastercard®; Mastercard Preferred BusinessCard, Mastercard Corporate Card and Mastercard Corporate Executive Card. Promotion Rules
26. Offer valid until December 31, 2020 for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard, Mastercard BusinessСard, Mastercard World BusinessСard, Mastercard Preferred BusinessСard, Mastercard Corporate Card. Promotion Rules
27. The offer is valid until December 31, 2020. The offer is valid for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard, Mastercard BusinessСard, Mastercard World BusinessСard, Mastercard Preferred BusinessСard, Mastercard Corporate Card. Promotion Rules
28. Offer valid until December 31, 2020 for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard. Promotion Rules
29. Offer valid until December 31, 2020 for Mastercard Standard, Gold Mastercard, World Mastercard, Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard.
