The black Sberbank card elegantly complements the purse and other accessories of its owner. Its maintenance costs an order of magnitude more expensive than classic and gold products.
Such plastic opens up additional possibilities.
Who is this product for? For everyone who pays by card monthly from 3600 rubles in supermarkets and the same amount at gas stations.
Cashback from the indicated amounts fully covers the cost of annual maintenance. Anything over that is a net profit.
Let's figure out how customers can get the most out of a black credit card. What exactly makes it premium?
All Sberbank plastic can be divided into 3 types:
There are 3 levels in the premium segment:
From the side of the bank, the differences in servicing Platinum and Signature / Black Edition are minimal. The fundamental difference is that platinum cards belong to debit cards, while the latter belong to credit cards.
However, payment systems offer holders of such credit cards a number of additional features comparable to the elite level:
| Platinum | Signature/Black Edition | Infinite/World Elite | |
|---|---|---|---|
| Cost of annual maintenance, rub. | 4900 | 30000 / 70000 | |
| Cash withdrawal limits | daily, monthly | The only limitation is 30 million rubles. per month. | |
| Operations commissions | Charged | Tariffs are practically non-existent. | |
| A package of services within which plastic is issued free of charge | Premier | The first | |
| Cash deposit | Maximum 10 million rubles. per month. | There is no limit. | |
| Plastic lending | Not | Credit limit up to 3 million rubles. | Overdraft up to 70 million rubles. |
| Cash withdrawal from an ATM | Is free | 3-4%, minimum 390 rubles. | Is free |
| Increased cashback | Is always | With card expenses over 150 thousand rubles. in the previous month | |
| gas station, taxi | 10% | - | |
| Cafes and restaurants | 5% | 10% | |
| Supermarkets | 1,5% | 5% | |
| Privileges for travelers | Discounts at airports (baggage packing, car rental, etc.) | In addition to the benefits of a platinum card, MasterCard provides access to airport business lounges (not available everywhere); on the part of Visa - extended insurance for those traveling abroad. |
|
| concierge service | Not included | Visa has | |
Sberbank offers Visa Signature and MasterCard Black Edition cardholders the same service:
The difference between the two products is Everyday life hardly noticeable, but it is there. Especially noticeable when traveling.
The payment system for its Signature holders provides the following features:
Travelers Visa card Sberbank's Signature is especially popular because of its insurance. The annual maintenance of plastic has a comparable cost to a policy of a similar level.
For those who travel frequently, co-branding is beneficial. It is available in both credit and debit versions.
Let's compare them with the usual status card of Sberbank:
| Name | Signature Aeroflot | Signature | |
|---|---|---|---|
| Debit | Credit | ||
| Maintenance cost per year, rub. | 12000 | 4900 | |
| Additional Visa, rub./year | 2500 | Not issued | |
| Currency | Ruble, US dollar, euro | Ruble | |
| Daily cash withdrawal limit, rub. | 500 thousand | 300 thousand | |
| Cashback | Only miles that are spent at special internal rates for goods and services of Aeroflot and its partners. | "Thank you", the exchange rate of which is equal to the ruble, is accepted by partners of Sberbank | |
Co-branded cards offer holders the following services:
Aeroflot premium Visas earn 2 miles for every 60 rubles spent when paying with plastic.
An example for clarity:
A one-way ticket Moscow - Vienna, when purchased 2 weeks in advance, costs 12,500 miles, fees of approximately 3,800 rubles are additionally paid. The same ticket when paid in cash costs 13103 rubles. 437 miles will be credited for the purchase (13103/60*2=436.77). If a passenger pays the same amount with a non-co-branded premium card connected to Thank you bonuses, he will receive 0.5% cashback = 65.5 rubles. for the same ticket.
There is no conversion rate for miles into rubles, but the example is clear, and conclusions can be drawn from it:
- the ticket price minus fees is approximately 9300 rubles. (13103-3800=9303);
- 1 ruble corresponds to less than 1.5 miles (12500/9300=1.34);
- mileage bonuses are significantly higher than Thank you points (437 miles / 1.34 miles = 326 rubles, which is almost 5 times more than 65.5 rubles that would have been awarded under the Thank you program).
Aeroflot cashback is highly attractive for regular passengers. At the same time, it has specific liquidity; it can only be spent on goods and services closely related to air travel and tourism. There are some restrictions, for example, for round-trip flights.
The international MasterCard system provides its premium customers with waiting for international flights in comfortable lounges. However, they are not available at all airports. In Russia, such a hall is so far only in the terminal E of Sheremetyevo. Holders of MasterCard World Black Edition of Sberbank also have access to other services payment system:
MasterCard World Black Edition and Visa Signatures are issued by Sberbank only in the form of credit cards. A brief description of the alternatives among debit cards:
Favorable cashback for frequent flyers;
- unjustified costs for rarely traveling;
Plastic allows you to withdraw cash from an ATM without a commission up to 500 thousand rubles. per day;
- fewer privileges from payment systems;
No commissions, the only limit is cash withdrawals of 30 million rubles. per month;
+ maximum cashback Thank you;
+ the maximum level of privileges from Visa, MasterCard;
— guaranteed profitability of plastic with non-cash payments from 150 thousand rubles. per month.
Black credit cards in Sberbank are issued on an individual offer for existing customers with positive story, as well as by mass - for those who applied for the first time.
The main difference concerns the size of the interest rate on the loan. For a pre-approved card, it is 21.9% per annum, on a general basis - 25.9%.
The credit limit is considered individually, maximum size is 3 million rubles. However, ceteris paribus, current customers receive an offer with a higher amount.
Let's summarize the above:
With self-design, the product costs 4900 rubles per year. The card is provided free of charge as part of the Premier package. In this case, she retains all the conditions except for receiving increased bonuses Thank you. They are accrued only when making paid transactions in the previous month in the amount of 80 thousand rubles. If the amount has not been reached, the amount of points corresponds to the offer for standard plastic.
Sberbank Premier is a range of services within which privileged clients receive:
The service package has a cost:
The maximum available for cashing out is 300 thousand rubles. per day. Within this amount, you can receive up to:
To withdraw cash from a credit card, you must pay a commission, 3% in Sberbank, 4% in other organizations, at least 390 rubles.
Sberbank calls Signature and World Black cards with big bonuses. Their holders receive increased points:
In addition, stores participating in the Thank You program accrue up to 30% bonuses. For any cashback purchases not less than 0.5%.
Payment systems have their own partners.
The lists of partners and promotions change frequently. Check out the latest information on the websites of the bank and payment systems.
Clients with incomes significantly above average and a positive history in Sberbank receive a pre-approved offer at the initiative of the bank. Information is provided through personal online account, SMS or when visiting the bank.
To receive plastic, consent is required, which can be expressed through a click in the Internet bank, a response SMS, a personal visit. It will be possible to pick up the finished plastic on the appointed day by presenting a passport.
On your own initiative, you can leave an application at the branch or on the website by clicking on the “Issue a card” button on the product page. Then follow the instructions of the system. The algorithm will differ depending on whether you receive a salary through Sberbank, whether you have a mobile and Internet bank connected. You may need to visit the office in person with proof of income.
The bank will inform you by SMS about the issue decision. If it is positive, you will be informed of the estimated date of receipt. Later, you will receive an SMS notification of readiness for issuance.
The undeniable advantages are:
The disadvantages include points related to cost:
MasterCard World Black Edition and Signature Visa from Sberbank are one of the most attractive offers for those who spend about 1,000 rubles a week on gasoline. The product can be called an economical version of elite products. The holder has access to the privileges of Visa Infinity and World Elite MasterCard at the price of platinum cards.
The Mastercard Black Edition credit card is premium product payment system Mastercard. Holders of such cards are entitled to count on a number of preferences. This is a luxury product designed for business owners and active travelers.
The blank card is made of special carbon fiber and has an original laconic design.
The phone number of the Mastercard Global Help Desk in Russia is 8–800–555–02–69. Calls from landlines are free.
An important advantage of the Mastercard Black Edition is that its owner has the right to be served at the offices of the issuing bank in VIP lounges. Calls to the call center are accepted on a special, dedicated line, and the service is handled by a personal manager.
Mastercard Black Edition is a significant advantage. Cardholders from domestic issuers can count on:
MasterCard Black Edition gives you the following privileges:
An important privilege for MasterCard World Black Edition holders is free services Concierge service from the partner of the payment system Aspire Lifestyles. Thanks to this service, many issues, including everyday ones, are solved, even if the problem arose abroad.
You can call the Concierge Service by phone:
Sberbank issues Mastercard Black Edition on the following terms:
Advantages:
Flaws:
In UralSib Bank, the card is provided on the following conditions:
Advantages:
Flaws:
Reissue (in case of loss, at the end of the validity period) is paid - 6,000 rubles.
In Alfa-Bank, the card will be provided with the following parameters:
Advantages:
Flaws:
In Russia Mastercard holders Black Edition provide discounts, preferential interest rates and other preferences on terms different from those available to cardholders in other countries. The effectiveness of using the product directly depends on the opportunities provided by the issuing bank. Accordingly, one should not hope that the registration of an elite product in a local bank will bring real benefits.
To obtain a card, it is often necessary to have Russian citizenship and registration (temporary or permanent) in the region where the bank is present.
Mastercard Black Edition from Sberbank is aimed at users whose activities are mostly concentrated in Russia. UralSib's offer is interesting for those who often travel to countries where payments are made in euros or US dollars. A card from Alfa-Bank is useful for those who prefer to spend within the limits of the amounts available on their own account.
For discerning customers who like to travel in comfort, who appreciate excellent service without drawing attention to their person, the MasterCard World Black Edition premium card has been developed. Exclusive features and unobtrusive design confirm this.
What does the holder of such a card receive? First of all, the service is several levels higher, both in the form of a payment system and a service in a banking institution.
It is very easy to evaluate plus of Mastercard World Black Edition. It is enough to pay for purchases using this card to receive bonuses available only to you.
MasterCard World Black Edition is a great opportunity for those who are accustomed to the best, who appreciate every minute of their time and who care about quality service while traveling.
This card has the following benefits:
With the mastercard black edition you can get a discount on:
Mastercard World Black Edition provides a personal concierge service. He will provide important information about the planned events and, if necessary, book tickets.
Concierge offers the following services:
The card gives you access to the best airport lounges around the globe through the Priority Pass program. An airport is a place where noise and pandemonium constantly reign. Thanks to this program, you can relax in the premium lounge. And this opportunity 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 always does not have enough time to take a breath. Using the VIP lounge, you will have the opportunity to wait for your flight in peace and quiet, as well as work if necessary. Nobody will bother you!
Priority Pass from Mastercard black edition is:
All Mastercard World Black Edition card holders receive by default accident and illness insurance for the period of travel abroad. This program provides the following benefits:
Given the status of the "black card", the maximum loan amount for it is much higher even for new customers.
You can get up to 5 Mastercard World Black Edition Premier and Visa Platinum Premier premium debit cards as part of the Sberbank Premier service package.
Premium cards are offered by many Russian banks. These include Sberbank, Alfa Bank, and others.
The advantages of the card are that 0.5% is charged for each purchase; in other cases, bonuses are as follows:
Another advantage of Sberbank's Mastercard World Black Edition card is the ability to accumulate bonuses when participating in the Thank You from Sberbank bonus program. For each bonus Thank you, you get 1 ruble.
Credit cards from the "Premium" category - a payment instrument that provides the owner with special privileges: a large credit limit, free service, an interesting bonus program, etc. Almost all Russian banks offer regular customers who have confirmed their solvency such premium cards.
Regular visitors to the CreditZnatok website already know that on it you can not only find a banking organization or an MFI to get a loan online. Here you can choose any loan instrument, including plastic card MasterCard systems.
A filter with sorting by categories “free service”, “with delivery”, “without confirmation of income”, etc. will help you choose the right one. Now the assortment of MasterCard premium cards is offered by such banking organizations Moscow:
Any MasterCard premium card gives its owner a solid limit, which can reach up to 1.5-2 million rubles. It comes with services such as bonus program, delivery of the ordered banking product at home, an impressive grace period, etc. The list of privileges is presented in the description of each card.
To obtain credit card MasterCard, the applicant must be of legal age (21 years of age or older). No documents other than his own passport are required from him. All information is checked online for 3 days. You can order the product you like on the website of the bank that issues it. Follow the link, read all the terms and conditions and proceed to registration.
