When issuing premium type cards, the client has the right to count on discounts in stores with a Sberbank gold card and special offers provided by Visa and MasterCard systems in partner stores.
The presence of such a product indicates an increased status of the client. ACTION: when applying for Visa, Mastercard or MIR debit gold cards from 10/01/2018 to 12/31/2018, bank customers receive a 50% discount for the first year of service, i.е. for the first year of use they will have to pay only 1,500 rubles.
Cards of the Gold series are presented in subgroups of debit and credit, and from various payment systems of the international format.
Conditions for a Sberbank gold card Additional features that the Sberbank gold card provides: discounts in stores, hotels and inns, restaurants, as well as special offers from international companies. Such privileges are available to all users of the Gold series product, regardless of its type.
To get a card of this format, you just need to go through a simple procedure:
Main functionality gold cards of different payment systems You can use the card everywhere, incl. Abroad. At the same time, it is allowed to withdraw cash in subsidiaries without charging a commission.
For Gold cards, a wide system of discounts and promotional codes is provided, as well as participation in the bonus program Thank you The client also gets the opportunity to use the following services and features:
Limits on cashing out funds from yellow plastics If the client loses his Gold-card abroad, he can expect to receive cash under the accelerated procedure.
Discounts on the Sberbank gold card (the list of stores is attached below) are offered to customers in the following areas:
An example from the list of stores with discounts on a visa gold card from Sberbank There are also promotions for Gold series cardholders in stores in many cities and countries, such as Las Vegas and California: Fashion Show Las Vegas, Grand Canal Shoppes, Fashion Island. When buying, the customer is offered the opportunity to use promotional codes. This also applies to online transactions.
Depending on which Gold card you have, Visa and MasterCard payment systems offer their own promotional codes.
Let us consider in detail the shopping offers that the Sberbank gold card provides, and discounts in which stores you can get. For example, MasterCard offers the following:
Examples of where you can get a discount on a gold card No less interesting promotional codes from Visa:
There are a lot of offers for privileged clients, their list is constantly updated. So, you can visit Gastronome No. 1 in Moscow and take advantage of a 15% discount or book a table at Osteria Brunello (Italy) and get a free drink just by presenting a gold card.
Visa and MasterCard constantly update the list of companies and stores offering promotions You can take advantage of the offer and learn the secrets of a sommelier at the Caudal wine school and get 20%. And also visit a restaurant on one of the Radisson Royal yachts (Moscow), saving 10%.
All information about new promotions and promotional codes is posted on the website of the banking institution in the sections dedicated to Gold cards.
Holders of Gold level cards receive certain benefits when using the product - a high daily withdrawal limit, the amount of credit (for credit cards). In addition, each payment system offers a huge list of promo codes for holders of their plastics. Their list is constantly updated.
Bank cards - convenient way making payments and keeping money. There are several types of "plastic" depending on the package of services provided: electronic, standard, premium. For those who wish to receive an extended service and become a VIP client of the bank, the Visa payment system offers Gold, Platinum and Infinite service programs. Each of them is an indicator of prestige, convenience and comfort anywhere in the world. But special attention will be given Visa card Platinum, which will be discussed in the article.
This is a world-famous and popular payment system that regulates the relationship between the issuing bank, the seller and the cardholder when making transactions. The company itself does not install commission fees for service and is not engaged in the release of "plastic". The activity of the Visa system is reduced to providing access to the electronic payment network and the security of transactions. Thanks to the company's innovative solutions, credit and financial institutions offer card products to their customers. Banks, receiving the right to issue Visa payment instruments, independently regulate the conditions for issuing and using plastic.
The company cooperates with organizations in more than 200 countries, which allows users to make payments almost anywhere in the world. Premium products open access to the World of Privilege bonus program. Visa Platinum, Gold and Infinite allow you to receive discounts, participate in special offers and be a welcome guest for partners payment system.
Visa Platinum holders have access to a free concierge service anywhere in the world. Specialists will inform about interesting events at the location of the owner and take care of booking tickets. In addition, concierge services with the Visa Platinum card include:
The service is available both "at home" and abroad. The service is provided by ISOS (International SOS).
In emergency cases related to card maintenance, the user needs immediate assistance. Where to apply, being a Visa Platinum holder abroad? Premium product privileges allow you to get help regardless of the location of the client. Visa's global support service will be able to take emergency action in case of loss or theft of "plastic".
By contacting the toll-free number of the customer service, the holder of the Visa Platinum card can:
Access to global support is open to the holder of a Visa card, regardless of its class. However, only owners of premium "plastic" can count on emergency cash withdrawal and urgent reissue.
What else can please a Visa Platinum holder? The privileges of this payment instrument are not only in excellent service, but also in a well-thought-out insurance program. The product is aimed at successful people who often travel for leisure or business purposes. During trips, cancellation or theft of documents, luggage or money, accidents can happen.
If the tickets were purchased with Visa Platinum, then the owner and his close relatives receive insurance. It will protect against any troubles that may arise on the road. This includes costs associated with:
The insurance lasts only during the travel period, but not more than 90 days. In addition, the premium card holder has access to Visa's Medical & Legal Referrals program. Assistance is provided by ISOS. As part of the services provided, an individual has the right to make an appointment with a doctor, get advice by phone, and be evacuated with the help of medical aviation. Specialists will inform you about the location of medical and legal institutions, the level of service and prices.
Visa Platinum holders also have privileges when paying for goods. The cardholder can count on two insurance programs. Let's look at them in a table.
Name | purpose | Validity | Unconditional franchise | Minimum conditions for participation in insurance |
"Warranty Extension" | Extension of the free service period. Allows you to return part of the funds when replacing the goods and reimburse the costs of repairs. | Up to 24 months after the expiration of the main manufacturer's warranty. | The cost of goods - from $50. Guarantee from the producer - at least 12 months. Payment by Visa Platinum bank card in the full amount of the purchase price. |
|
"Purchase Protection" | For reimbursement in case of theft, loss, damage to goods or its repair | 90 days from the date of purchase. | The product was paid for with a Visa Platinum card in full and cost at least $50. |
Particular attention should be paid to the size equal to $50. Refunds will be made minus this amount. On the onset insured event the cardholder will be able to receive from $1500 to $5000. With more detailed conditions purchase insurance can be found on the official website of the payment system in the Visa Platinum information section.
Premium card holders are a special group of customers of any financial institution. For them, the bank creates the most comfortable and profitable terms use. What exactly benefits the owner of Visa Platinum? The card has the following privileges:
Of course, each bank has its own individual program for Visa Platinum. Sberbank, for example, serves premium card customers in comfortable office areas without queues, providing a personal manager.
Visa Platinum has much more privileges for withdrawing, crediting or transferring funds than a classic card. In most banks, there is no commission for cashing out from premium plastic. The one-time withdrawal limit on average is about 500 thousand rubles. For Card to Card transfers, fees are also minimal or non-existent. You can replenish your account using electronic wallets, cash service, terminals with "Cash in" function.
Another undoubted advantage of Visa Platinum is payWave contactless payment technology. Payment by credit card takes place in a matter of seconds and does not require the introduction of a PIN code. A certain limit is set within which contactless transactions are made.
Premium package banking services Visa Platinum opens up a lot of opportunities for the owner and makes life much easier during travel and business trips. Annual maintenance of the card varies depending on the conditions of different banks. The amount varies between 2-15 thousand rubles. It all depends on the type of "platinum" card, the issuing bank and the package of additional services provided. Co-branded "plastic" usually costs more than the standard Visa Platinum.
"Platinum" card is undoubtedly a convenient and profitable product for a certain target audience. Only a successful person with above-average earnings who often travels abroad can appreciate the privileges of premium plastic. Otherwise, spending on card maintenance will bring more loss than benefit.
Bonus VISA program(VISA Bonus). Where and how to get discounts and bonuses?
The Visa payment system has been operating for several decades and during this time has managed to achieve high results in processing payment transactions of its cardholders. There are quite a lot of payment systems in the world, but not all of them were able to reach the same level as Visa. The priority task of the international payment system Visa is to provide its customers with quality service and the maximum speed of processing transactions. As an incentive, Visa uses a system of bonuses and discounts for purchases made on the card by users around the world. The Visa-Bonus program was launched in 2013 and is in demand among Visa cardholders. The list of MPS partners is constantly updated, and promotions are distributed to all countries. For companies cooperating with Visa, the bonus system helps to increase client flow and increase turnover. Cardholders prefer to shop where they are given discounts or credited with bonuses.
This is a system to encourage buyers for purchases with a card issued by the Visa payment system around the world. This service can be used by Visa cardholders of any category.
For non-cash transactions on their card, they receive discounts and bonuses in certain stores, pharmacies, salons, restaurants, hotels, cafes, jewelry chains, dry cleaners, etc. The amount of incentives depends on the agreement between the MPS and the partner. The list of partners changes periodically, so the current list can always be found on the official website of the payment system or directly in the customer service of the outlet. It should be noted right away that discounts and bonuses from Visa MPS are not cumulative with other promotions held in the TSP.
To get bonuses, you should first get yourself a Visa payment system card. Fortunately, the choice of cards by banks is quite large. You can choose the simplest card or a status business class card with all sorts of privileges. When paying with such a card, you need to clarify with your Visa partner what kind of discount you can get. It happens that store employees do not always understand what is at stake. You can check the terms of the offer hotline Visa 8-800-250-33-02 or on the bank's website, where an electronic brochure describing current offers is posted. 
The conditions for receiving bonuses can also be found in the above collection. The most common options:
Car booking services are in particular demand. So, the Hertz company provides a discount on booking a car or gives one free day of travel as a bonus. To receive a discount, the Visa cardholder must name the promo code and the discount number. 
The payment system similar in importance in the world is MasterCard. It, like Visa, works all over the world and provides cardholders with bonuses and privileges. The program provides for the receipt of points for purchases, and then their exchange for gifts and prizes from the MasterCard catalog. To use bonuses, you need to register on the MasterCard website. Members of the program can earn and exchange bonus points in their personal account. You cannot receive bonuses in monetary terms. Bonuses are valid for 3 years, and then "burn out" in chronological order. 
Using a bank card, no one is immune from getting into a difficult situation, for example, when the card is lost or stolen. Moreover, if this happened in Russia, then solving the problem is quite simple, but if abroad, when the bulk of the money is located on the card, then you can not do without emergency services, such as urgent cash or card reissue. Such services are, of course, present in classic cards, however, in order to use them, you will have to pay a considerable commission, about 5-10 thousand rubles. But holders of gold cards have the right to use such emergency services for free. What kind of services are we talking about, we have already described in the article "Reissuing a card and emergency cash withdrawal".
Being far from your homeland, you may find yourself in another difficult situation when you may need legal or medical advice. And here they will help free services from the VISA payment system, whose employees will advise you by phone in your native language on any issues of interest. The main thing to remember is that only information is provided to you free of charge, that is, the addresses of hospitals, familiarization with the laws of the host country you are interested in, and so on, and any other services related to specific assistance, such as defense in court, will be paid separately and in full.
Gold card holders can use the minimum list of concierge service services, which includes assistance in booking tables in cafes or restaurants, as well as information on free seats, ordering air or railway tickets, and this is where your privileges in the concierge service end.
The VISA discount program allows gold card holders to receive bonuses and special offers from payment system partners, which are quite numerous and can be conditionally divided into the following categories: cafes and restaurants, travel, shopping and services, as well as health and recreation.
How the discount program works: when you pay with a VISA card at any partners of this program, you get a discount on a particular product or service. Moreover, the size of the discount can be from 5 to 10%, which is most common, and reach up to 50% with special offers from partners. Find out the full list of payment partners VISA systems both in Russia and abroad, you can visit the VISA website.
Summing up, it can be noted that the services offered by VISA with Gold cards are useful, first of all, for those who often travel abroad or move to other cities, whether it be business trips or travel. And if you are not from this cohort of citizens, we advise you to think about purchasing a gold card, of course, if the sole purpose of registration is to receive exclusive services from the payment system. However, the presence discount program it will be very useful for those who like to go shopping for clothes and goods a lot, because there are a lot of brand stores in the list of partners and there is plenty to choose from.
In order to make the gold card more attractive, banks establish some financial privileges, such as a reduced interest rate and
Sberbank offers its clients the opportunity to receive income from their funds without saving them to a separate account. With the Platinum debit premium card, you can accumulate increased cashback, which is comparable in liquidity to cash.
How much do you need to spend per month for a preferred product to pay off? 4 thousand for gasoline and 600 rubles - in supermarkets. Exactly this amount will bring platinum plastic to the cost price. Everything paid in excess will bring a net profit.
Holders with above-average incomes and travelers benefit the most.
Visa offers products for clients with different requirements:
The premium segment is represented by Gold, Platinum, Signature, Infinite cards. With the increase in the status of plastic, the limits on monetary transactions increase, and access to Visa services:
Favorable conditions for booking and shopping are relevant for all travelers.
When buying a product with a guarantee of up to 2 years at a price of $50, Visa Platinum doubles the warranty period.
As part of the creative weekends with Visa, you can visit exhibitions, concert halls and various events for free.
Of the Visa services, the concierge service is exclusively available, with which you can order all services by one number, and advanced insurance options.
Visa Platinum Visa Platinum is easy to recognize from afar. It has an eye-catching black and metallic design that enhances the holder's reputation. The cost of maintenance differs markedly from classic and even Gold products - 4900 rubles per year. A lot or a little, the client decides for himself. When evaluating the benefits for yourself, weigh the benefits:
Along with premium privileges and benefits, Visa Platinum gives you the opportunity to enjoy all standard services Sberbank:
Basic terms of service:
| Cost per year | 4900 rub., for Sberbank Premier members - free of charge |
|---|---|
| Additional card service | 2500 rub. / year |
| Overdraft | Not provided |
| Individual design | Is free |
| Validity | 3 years |
| Currency card account | Ruble / dollar / euro |
| Reissue for any reason | Is free |
| Cash withdrawal limits in rubles: | |
| - total monthly through Sberbank | 5 million |
| - daily through a Sberbank ATM or cash desk, third-party terminals | 500 thousand |
| - at third-party cash desks | Without Borders |
| Cash withdrawal fees: | |
| - at terminals and cash desks of Sberbank | No commission |
| - at third-party cash desks | 1%, minimum 150 rubles. |
| - in third-party terminals | 1%, minimum 100 rubles. |
| - over the daily limit | 0,5% |
| - in case of emergency extradition abroad | Not charged |
| ATM mini statement (10 transactions) | 15 rub. |
| Participation in the salary project | maybe |
| Mobile bank | Is free |
For newly issued Platinum Visas, the procedure for accruing bonuses is specified in general rules programs Thank you. The duration is unlimited.
Platinum Premier visas were issued as part of the promotion of increased Thank You points for premium products. It ended on March 7, 2018.
The platinum Visa currently being issued and the platinum Premier cards offer a number of similar options to the holder. The difference lies in the accrual of cashback and the price for the service.
Premier were issued to Sberbank Premier clients and cost 4,900 rubles a year.
According to the current tariffs, Platinum is issued as part of the premiere package of services for free, issued independently costs 4900 rubles per year.
Premier package price:
The range of premium services everyday life business man comfortable.
Privileges without additional payments:
Visa with increased cashback is served at the rate for platinum products, additional points are awarded for purchases:
Special card with big bonuses With the accrued points, you can then pay at the rate of 1 Thank you = 1 ruble for goods and services of program partners. Among such popular shops, cafes, mobile communications and others. By offering favorable conditions, the bank expects a large turnover on the card account. The product is designed for customers with incomes above average.
Having a car, as an alternative - frequent taxi rides bring the bulk of the cashback. When traveling by bus, you will have to pay with a Visa in restaurants and supermarkets for amounts up to 28 thousand rubles a month, so that the service costs will justify themselves.
Credit products with high Thank you scores are relevant for Visa Signature and MasterCard Black Edition. Debit Master Card Black Edition is not issued at Sberbank.
Visa Platinum and Visa Platinum Premier of Sberbank belong to different shares. The cards have similar capabilities.
Let's denote the differences that relate to release and maintenance:
| Platinum | Platinum Premier | |
|---|---|---|
| The minimum amount of bonus transactions, after which increased points are awarded Thank you | 0 rub., i.e. from the first purchase | 80 thousand rubles, i.e. until you pay for purchases for this amount, the cashback is 0.5% |
| Program duration | From 1.02.17, no time limit | 1.04.16 – 7.03.18 |
| Issuance and servicing under the Premier program | Is free | 4900 rubles for each year |
| Self release and maintenance | 4900 rubles for each year | Not provided, in the past a similar product was offered at 20 thousand rubles a year |
Platinum Card Sberbank Visa connected simultaneously to international payments and to the big bank RF. In both systems, the product is premium and offers increased privileges.
The main conditions for the use of services are enshrined in the contract, the list of offers and promotions is updated periodically. It makes sense to regularly get acquainted with information updates both on the websites of the bank and Visa.
Platinum Visas provide an opportunity to receive increased amounts of cash from a card account in rubles, dollars or euros. When receiving money in another currency, the maximum is equal to the equivalent at the current rate.
Limits:
| Rub. | Doll. USA | Euro | |
|---|---|---|---|
| Per month by any method through Sberbank | 5 million | 170 thousand | 125 thousand |
| Issuance per day | |||
| Sberbank cash desks | 500 thousand rubles or currency equivalent | ||
| Third party checkouts | Without Borders | ||
| In terminals of any banks | 500 thousand | 12.5 thousand | 10 thousand |
| Getting cash if it is not possible to use plastic in territorial banks | 50 thousand | 1.6 thousand | 1.2 thousand |
| Cash deposit | 10 million rubles or equivalent in another currency | ||
| Cashless payment | Without Borders | ||
| Extradition abroad | US$5,000 or equivalent | ||
Plastic with an electronic chip and a magnetic strip is a reliable information carrier. You can use Visa Platinum privileges with simplified paperwork or without it at all.
It is enough for the holder to present the card, and it will provide an increased level of service in many situations, such as:
Clients savings bank with Visa Platinum enjoy the advantages of an international payment system, the leading bank in Russia, and the premium status of black plastic.
Summarizing the privileges described in the article, we highlight:
You can get a Platinum Visa as part of the Sberbank Premier package. Except her free service, premium package give a chance:
All Visa Platinum holders at airports can enjoy a 20% discount on baggage wrapping by Pack&Fly. Car rental companies Avis, taxi Wheely, Gett operate at many airports. Their services are also subject to a 20% discount, for a Gett taxi - an additional 10% cashback.
Privileges are much wider for owners of Sberbank Premier. They receive a Priority Pass, which allows them to wait for a flight in comfortable conditions without additional payments. To visit the VIP lounges, it is enough to present the Priority plastic card. The service does not depend on the class of the plane ticket.
Free services for guests:
The privileges apply to the Priority Pass holder and all his companions on the trip.
Participation in the Thank You program is free. To connect, choose a convenient way:
Register:
Bonuses will begin to accrue automatically for all purchases paid through the checkout using Visa. With a check amount of up to 15 thousand rubles - within 5 days, more - up to 2 months. Premium card holders receive increased bonuses at gas stations, taxis, restaurants, cafes, supermarkets.
There is a separate section of the bonus program on the bank's website. By viewing it, you will be aware of current special offers.
Points are not awarded for the following transactions:
Thank you for corporate and co-branded (Aeroflot, MTS) projects.
Not all members accept points. The exact list is available on the website. Ozon.ru, BurgerKing, Kari have established themselves as permanent ones.
Many partners limit the minimum amount of bonus payments, for example, 100, 300 Thank you, or the maximum share - 99% or 75%. Check out the exact list on the bank's website.
Monthly bonus limits:
Points are available for 36 months, after which they are canceled.
If cashback is disabled, re-participation in the program is not provided.
Visa International publishes on the site the current offers of partners: hotels, transport services, shopping, restaurants and other entertainment. The average size discounts - 10-15%.
Consider paying for the same offer through Program Partners Thank you. For example, booking of Viza's partner hotels is available directly, and a discount will be automatically provided on the card. However, booking through Thank you travel allows you to pay up to 99% of the cost with bonuses, which is often more profitable.
Visa allows you to participate in charity. Part of the funds received by the bank for PlatinumGive Life! is directed to the treatment of seriously ill children:
Among the benefits enjoyed by Visa Platinum holders from Sberbank, it is worth noting:
The pros of a platinum card at Sberbank noticeably outweigh the cons.
You can order online on the bank's website. You will need a scan of your passport.
After filling out the application, wait for it to be considered. This takes up to 3 days. You will be informed about the decision, if positive, you will be invited to receive it.
There are conflicting reviews. The main dissatisfaction is associated with the use of Visa Premier. Holders were not satisfied with the accrual of increased bonuses only with a monthly turnover on the card of more than 80 thousand rubles. Particularly outrageous was the fact that the information about the restriction was printed in small gray print.
The attitude towards plastic produced under the current program is more loyal. Clients are satisfied with the high cashback and its liquidity. A Sberbank card with big bonuses differs in many benefits from similar offers from other banks.
Visa Platinum users express rave reviews about insurance when traveling abroad. Self-issuance of a similar policy for a family costs about the same as the annual use of Platinum.
Over the past year and a half, Sberbank's platinum product has changed a lot and has become more affordable.
Sberbank Platinum is still the most popular among travelers. Increased cashback remains an attractive addition, for many holders - the main advantage.
