How much money is on the platinum card. Sberbank platinum card: advantages and disadvantages. Annual maintenance cost

The Visa Platinum debit card from Sberbank is a banking product of an increased class of service. If you want to travel the world of finance in NE - this is your option. We will learn how not to make a mistake and not inadvertently transfer to a reserved seat.

Debit Visa Platinum from Sberbank

Sberbank issues two debit Platinum Visas - the first for Sberbank Premier clients, the second - available to a wide range of people without issuing a service package with a fixed annual service cost. They differ only in the number of privileges for the owner. Currently, both cards have a Big Bonus promotion.

Privileges and discounts Sberbank Premier

The debit platinum Visa Premier is issued only within the framework of the same name PU. Unlike the mass release card, it has additional premium services:

The card is issued only upon a written application at the branches of Sberbank Premier. It takes up to 3 business days to process your application. You only need to have your passport with you. From client requirements:

• age of majority;
• Permanent registration in the country;
• Russian citizenship.

Among the advantages of Visa Platinum Premier holders are the following privileges:

• Priority service in designated areas. There is a drawback here - there are not so many such zones in the regions, there are two or three for a large city.
• Personal manager and round-the-clock support in the contact center;
• Participation in the Priority Pass program, free travel insurance;
• Free assistance of a tax specialist (in terms of filling out a declaration).
• Emergency cash withdrawal abroad on preferential terms and cash withdrawal in subsidiary banks without charging a commission;
• Paying bills over the phone;
• Increased limits on cash receipts and non-cash transactions;
• Concierge service;
• Program of privileges and discounts from Visa;
• Annual service without commission.

In general, the rest of the conditions are identical to other debit cards - online services, auto payments, secure online purchases, cashless payments, etc.

Conditions for mass issue cards

If you decide to order a card without a service package, only the Visa benefits and discounts program and participation in the Big Bonuses promotion will remain of the benefits.

Please note that regardless of whether you apply for a debit Platinum Visa with or without PU, the rates for it are the same.

The Big Bonuses promotion implies a special privilege - the accrual of an increased percentage under the Sberbank Thank You program in certain categories:

• 10% - when paying at gas stations, trips to Yandex.Taxi and Gett;
• 5% - when visiting restaurants, cafes and catering outlets;
• 1.5% - for purchases in supermarkets.

For other spending transactions, the accrual percentage is normal - 0.5 of the debit amount.

Please note that an increased percentage is charged only if the total expense on the card for the month amounted to at least 80 thousand rubles.

Until January 10, 2018, there is a special offer for purchases in the Duty Free network - Sberbank returns 20% of the amount spent in the form of bonuses Thank you.

Simple: 1 bonus is 1 ruble. All accumulated funds can be used to pay for purchases from. There is only one drawback here - so far the bank does not have as many partners as the participants would like. However, there are often promotions with discounts.

Annual maintenance cost

The Visa Premier card is provided free of charge.

The service package itself costs money, but the service fee is not charged if the user fulfills the conditions for maintaining minimum balances with the counterparty: cards + deposits + accounts = 1.5 million rubles. (or more). The first two months after signing a premium service agreement are always free of charge.

If the conditions for minimum balances are not met, the service will cost 2,500 rubles per month.

Visa Platinum without PU will cost the owner 490 rubles / month. There is no free annual service.

Advantages and disadvantages according to customer reviews

All Sberbank subscribers are divided into two camps, in the first - users of the Premier block, in the second - not privileged.

According to reviews, a significant drawback of the mass debit Visa Platinum is its high cost. If the owner actively uses services in the categories with a higher percentage, in theory he can cover the cost of annual maintenance. However, this benefit is rather doubtful, because the Thank You program is even connected to which is generally serviced for free.

The only distinct advantage on a card without privileges is an increased cash withdrawal limit compared to the usual ones (for example, knocking - 500 thousand, versus 150 thousand rubles for the Classic and Standard categories).

Reviews of premium customers are more related to the quality of service and aesthetic requirements, since from the point of view of a payment instrument, the card is not much different from others, and in terms of privileges, the difference is significant.

According to reviews, among the advantages that PU Premier provides are an excellent concierge service, well-coordinated work of the contact center and client managers, the availability of Priority Pass and insurance, the opportunity to receive privileged service in any region, payment system discounts.

As disadvantages, the reviews note: a weak level of comfort in Premier branches, charging the accepted percentage for transfers from the regions, lack of co-branded cards, low profitability with trust management of funds.

Many note that in the regions the Premier zone works worse than in the capitals, a lot depends on the specific specialist you are assigned to.

What does a Visa Platinum card look like?

Many owners are dissatisfied with the design of the premium card, believing that it looks too simple. Sberbank takes into account any opinions of its users and tries to correct this shortcoming. For some time now, a range of visual designs have been available to choose from in the mass production cards. You can choose the appropriate option when filling out an online application or in a branch:

Visa Platinum Premier looks like this.

As part of the Sberbank Premier service package, the card that is provided as part of this package gives customers the right to privileged services, but here's what it consists of - further.

Benefits for Premier card holders

Premier is a specially designed Savings Bank package aimed mainly at wealthy people. Here are the offers for customers Sberbank provides when ordering package services:

• personal manager and dedicated telephone line;
• special conditions for banking products (increasing health and life insurance, favorable currency conversion rates, etc.);
• the possibility of planning personal financial flows;
• individual and comfortable service area.

Reviews about the Sberbank Premier card are mostly positive, this is not surprising, because there are no queues, only your own comfort zone, personal manager and excellent conditions.

Sberbank debit card Visa Platinum

Platinum cards are a Sberbank debit product received free of charge as part of a premium package. You can get up to five media without paying everything, for a fee - unlimited.

It is possible to receive World MasterCard Black Edition Premier and Visa Platinum Premier Sberbank not only for personal use, but also for close relatives from the age of 7. Visa and MasterCard are global payment systems, so you can use such media without problems while traveling, which is also confirmed by reviews.

Getting a Priority Pass card is one of the benefits of the Sberbank Premier service package. Waiting at airport terminals will become much more comfortable thanks to more than 900 recreation areas in different parts of the world, regardless of ticket class.

This includes free Wi-Fi, a press catalogue, soft and hot drinks and showers. Judging by the reviews, the owners of the Sberbank Premium Premier card consider the offer to be one of the most relevant.

For storing, managing and accumulating finances, holders of the Visa or MasterCard status product have access to "Special" deposits with an increased percentage: 5-5.97% in rubles, 0.96-1.53% in US dollars and 0.01% in euros.

A free opportunity to obtain a qualified second opinion for the Visa Platinum Sberbank Premier premium card holder and his family (up to two applications per year).

Premium service includes Concierge service. The cardholder will be provided with special conditions for booking places in hotels, renting vehicles, buying tickets, they will show and tell where restaurants and parking are located. According to reviews - it is very convenient.

Travel insurance for the Visa Platinum Premier Sberbank card holder and close relatives (accepted for visa processing at embassies).

Moreover, an important service provided to cardholders is "Protection of purchases and extension of the warranty period". Any item purchased with Visa Platinum is insured against theft, damage and loss for a period of 3 months.

Registration of a Platinum card of Sberbank

To apply for a Platinum Sberbank Premier card, you must reach the age of majority under Russian law. According to customer reviews, bank employees persistently offer a premium package of services, as well as a Visa Platinum card, during calls from Sberbank numbers.

How to get a premium card

It is necessary to have a total accumulation of at least 1.5 million rubles in order for the maintenance of the Platinum debit card and the use of benefits to remain free. An application for connecting a premium package of Sberbank services can be left on the website.

You can also become the owner of the Sberbank Premier service package by coming to the branch of a financial institution. You just need to find a list of institution offices in which special premium service zones have been created.

Maintenance cost

The key difference from similar products of other credit and financial companies is the fact that servicing a Premier card may not cost the client a penny, provided that the client has at least 1,500,000 rubles on the accounts of the largest Russian bank.

Carefully read the terms of the Agreement for the provision of the Premier package. Judging by the reviews, even after its closure, some customers continue to deduct money from Sberbank's payroll cards towards the cost of service.

Under other conditions, that is, with a smaller account balance or an order of magnitude lower salary, you can also receive the privileged treatment offered by the Sberbank Premier program, the cost of maintaining a Visa or MasterCard premium card will cost the client 2,500 rubles monthly.

Conclusion

The Platinum Sberbank Premier card provides a number of benefits to its holders. Privileges extend not only to financial management, but also to other areas of life, such as travel or medical care, and are not limited to the owner of the product, but also apply to members of his family.

Some customers are not ready to be satisfied with the standard list of options provided by a debit card. In this case, it is worth considering a Sberbank platinum card, the benefits of which relate not only to banking services, but also to other privileges provided around the world. It also has disadvantages, although not so obvious.

Sberbank Platinum Card Terms

In Sberbank, it can be debit - within the framework of PU Premier or under the Big Bonuses promotion, or - credit. The first is issued only in the Visa payment system, credit can be issued in the MasteCard system. Pluses are expressed by the main conditions of the product and additional privileges. The first is expressed as follows:

• Validity: 3 years;
• Possible release for wages;
• Replenishment by any means: in cash through a cashier or self-service machine, by bank transfer from another card through any services;
• Payment in retail outlets and online;
• Execution of banking operations: transfers, payments.
• Cash withdrawal, incl. Abroad;
• Emergency cash withdrawal in case of loss of plastic outside the country;
• Binding to electronic wallets;
• Monitoring the status of accounts and making transfers and other transactions through mobile and online banking.

The card allows the owner to participate in promotional and special offers provided everywhere. These benefits are guaranteed by Visa and MasterCard.

For the owner of a Sberbank platinum card, service is provided with the help of an individual manager. The client also has the right to receive service in Sberbank Premier zones without queues.

The cost of the card and PU

How much a Sberbank platinum card costs depends on the method of issue. In most cases, it is opened as part of the Premier package. It is not significantly more expensive than.

A platinum card costs 4900 rubles a year or 100 USD. Additional plastic costs 2500 rubles or 75 USD. If the release takes place in PU Premier, you do not need to pay for it. Its cost is included in the package. How much the package service costs depends on the conditions of a particular client:

• 2500 rubles per month (the first 2 periods are free);
• Free of charge, if there is a balance of more than 2.5 million on all accounts, cards and deposits.

The list of benefits of a premium client includes:

• Deposits with increased interest with an investment of 1 million. If the opening takes place via the Internet, the rate is higher by 0.8%;
• Special rates for currency exchange operations;
• Discount for cell rental;
• Access to Priority Pass zones at airports;
• Providing an insurance policy for the owner and his family members for travel;
• The right to receive a free medical examination (second expert opinion) for the family 2 times a year;
• Assistance with the return of tax deductions (the declaration is filled out by a personal consultant).

Limits and commissions

Getting cash through ATMs is one of the most important options for using plastic, therefore limits and tariffs are of great importance for the user.

According to the terms of Sberbank, the limits of the platinum card are:

• For 30 days: 5 million rubles (170 thousand dollars or 125 thousand euros);
• Per day: 500 thousand rubles. (12.5 and 10 thousand USD, respectively);
• Per day (when withdrawing through the cash desks of other divisions of Sberbank): 50 thousand rubles.

No commission is charged for withdrawing through the cash desk or ATMs, which is also a considerable plus. When using devices and cash desks of other banks, they charge 1%.

At the office, it is permissible to withdraw an amount in excess of the established limit, but it is required to pay 0.5% of the excess amount.

Bonuses Thanks

The increased accrual of bonuses on the Sberbank platinum card is an additional plus of the product. You can connect the project Thank you, the terms of which involve the accrual of points: 0.5% of the payments made.

Activation of Thank You takes place in the office, through an ATM or by SMS. In the latter case, it is worth typing a message: THANKS and 4 extreme digits from the card number.

When making payments from platinum plastic, which is issued under the More bonuses promotion, improved conditions are provided for some categories:

• 10% - at gas stations;
• 10% - for trips to Yandex.Taxi and Gett;
• 5% - in cafes and restaurants;

The accumulated bonuses are used as a discount when paying to project partners. In this case, 1 point is equivalent to 1 ruble. It is permissible to pay almost the entire amount with bonuses and only 1% (at least 1 ruble) will need to be deposited from the account.

Which offer their services in different areas:

• Air and railway tickets;
• Hotels;
• Tickets for concerts and events;
• Replenishment of the phone;
• Taxi trips;
• Salons, retail outlets;
• Pharmacies, clinics;
• entertainment industry;
• Internet shops;
• Travel agencies;
• Etc.

Among the partners of Sberbank that allow you to use bonus units for payment, you can select MTS, OZON.RU, YOOX, l'Etoile, Mosvettorg, Technopark, pierre cardin, pegas, TEZtour, Yves Rocher, lamoda, Suchi city, Evalar pharmacy, Pyaterochka, etc. As you can see, almost all categories are represented, including online stores.

The Pros and Benefits of the Platinum Card

The greatest benefits are expressed in unique privileges that provide more benefits for travelers, according to the terms of service:

• Providing information about treatment centers in the country of residence;
• Medical supervision before and after the hospital;
• Medical assistance is provided within 90 days, incl. and family;
• Legal advice, providing contacts of translators and lawyers in the country of location;
• Visa advice;
• Providing information about vaccinations.

Holders of MasterCard platinum credit cards, being anywhere in the world, have the right to receive information about discounts, bonuses, ATMs, balance clarification by phone in their native language. This advantage is guaranteed as part of MasterCard's worldwide support.

If you pay for the goods from the account, the buyer receives additional privileges:

• Goods insurance for the first three months of use against loss, theft or accidental damage;
• The warranty for a purchased product worth more than $50 is extended twice (but not more than 2 years).

The amount of coverage for one item is $1,500, for one case - $5,000. The total amount of applications is $20,000.

Cons of a premium card

No obvious cons found. If you examine the reviews of the owners, the main disadvantage of the Sberbank platinum card is not so significant limits.

Many also do not like the high cost of maintenance. To reduce it, it is required to maintain a significant balance in the accounts, which is considered a significant minus. Nevertheless, the card is designed for a certain category of citizens who wish to use a status product, for which they are ready to pay extra.

Some people consider the project Thank you as a minus. do not see for themselves partners with whom they are ready to spend points. Others do not agree and note the undoubted advantages of being able to pay for a ticket or a hotel, as well as simply top up the phone with bonus units.

Not a minus, but rather a shortcoming of Sberbank, according to most users, is expressed in the absence of unique privileges for the owner of a platinum card. The conditions offered by Sberbank are in no way different from similar institutions.

Conclusion

Under the terms of the Sberbank platinum card, the client receives a premium product with high limits, individual service and privileges, which are designed primarily for travelers. When connecting Thank you, an incomparably larger number of points is credited to the card than with ordinary ones. Although this is a plus, this advantage is not so interesting to the target audience. Users consider the high cost of maintenance to be a minus, plus the advantages of the Premium package.

In the line of any bank there are products for the premium category. The Sberbank Platinum Card is one of them and gives customers a lot of advantages in Russia and abroad: a high level of service, privileges, bonuses. You can order premium class plastic only after you have read the conditions for its receipt and use.

What is a Sberbank Platinum Card

Before you design premium products, it's worth learning more about them. The Sberbank Platinum card is designed for wealthy clients for whom a high level of service is important. Plastic has a certain set of functions and capabilities. Cards are issued debit, with an overdraft or credit limit, and are distinguished by high service fees. Sberbank Platinum operates in Russia and abroad, is issued on the basis of international payment systems Visa, Mastercard.

Visa Platinum Sberbank

1. Each client is assigned a personal manager.
2. Platinum cardholders have access to Premier Service Areas without queuing.
3. Most transactions are available by phone.
4. Abroad, if the card is lost, you can urgently receive cash at the issuer's branches.
5. An assistance system is available for booking air tickets and special lounges at airports for Visa holders.
6. Additionally, the client receives bonuses from the payment system.
7. The cardholder has access to free legal and medical assistance abroad.
8. For goods paid for with Visa Platinum, you can extend the warranty.

Platinum Mastercard

As for the Mastercard payment system, this version of the platinum card gives Sberbank customers fewer benefits than Visa. Plastic can be used in Russia and abroad, and a personal manager is provided for each client. But services such as legal and medical care, warranty extensions for goods paid for by credit card are provided for a fee.

However, high-level plastic holders receive special bonuses from the payment system and partners and instant free support in case of loss of a credit card. In addition, you can use Mastercard business lounges at Sheremetyevo and airports in other countries. Platinum cards of this payment system include Master pass ™ and Secure Code ® technology, which make shopping safer and more enjoyable.

Platinum Sberbank card - advantages

Elite products of the series, starting with the Gold series, have their pros and cons for customers. A platinum credit card has a high maintenance cost and is suitable only for wealthy citizens. The product has more pros than cons:

1. Access to a high level of service in a separate VIP zone.
2. Dedicated 24/7 hotline.
3. A personal manager who is ready to help the client at any time.
4. The goods paid for with a platinum credit card are insured by the bank for 3 months.
5. All items over $50 and paid for with a card have a double warranty.
6. Free medical care by International SOS, for plastic holders and family members.
7. Concierge service for remote booking of tickets, hotels, car rentals and more.

Discounts and privileges

Platinum cards of Sberbank MasterCard and Visa provide discounts for holders in the following categories:

• air tickets;
• hotels;
• transport rental;
• company stores;
• restaurants.

In addition, platinum cards provide access to increased:

1. 1.5% of the amount spent in supermarkets.
2. 5% of the amount when paying bills in cafes and restaurants.
3. 10% of the amount spent when paying for Yandex or Jet taxi services, fuel at gas stations.

Terms of receipt

The Sberbank platinum card is available only to certain categories of customers. To apply for this banking product, one of the following conditions must be met:

1. Have a total amount of at least 5 million rubles.
2. Within 6 months, credit at least 500 thousand rubles to deposits from a salary card.
3. Have a monthly turnover on international accounts from 75 thousand rubles.

How to get a platinum Sberbank card

It is important to note that in this financial institution, platinum cards are called "cards with big bonuses." Their issuance is carried out at the request of the client, including within the framework of salary projects. They produce a personalized plastic payment instrument up to 14 days. Depending on the type of card (credit or debit), the package of documents for registering the product is different.

To receive platinum plastic, you need to personally contact any office of Sberbank of Russia or send an application online through the issuer's website (provided that the issued card belongs to the Visa payment system). A credit card is issued strictly after the provision of a certificate of income in the form of 2 personal income tax. Payroll customers can only provide a Russian passport. The maximum available limit for platinum credit cards is 3 million rubles, calculated individually for each borrower.

Apply for a Sberbank Platinum Card Online

In addition to a personal visit to the branch, there is a more convenient way to order a platinum card - via the Internet. When choosing this option, you can use the official website or the Sberbank Online system. The procedure for ordering plastic includes the following steps:

1. Authorization.
2. Go to the "maps" tab.
3. Select "order".
4. Specify the type of card.
5. Filling out the client's questionnaire (personal data, phone number and e-mail for communication).
6. Card order.
7. Receiving plastic in the department after a message of readiness.

Servicing a premium card from Sberbank

In addition to favorable conditions and privileges for the holder, the premium card provides for paid services. The maintenance of plastic costs the owners 4900 rubles for 1 year. It is allowed to pay a commission monthly at 409 rubles. The offer is designed for wealthy Russians, provides a lot of advantages that justify the high cost of maintaining an account.

Limits and restrictions

Another advantage of Sberbank's premium product is the increased limits on cash withdrawals/transfers from a card account. All restrictions are set in national currency. Debit plastic of the Platinum series provides for a cash withdrawal limit - no more than 500 thousand daily. The monthly withdrawal limit is 5 million. Credits to the card are limited to 10 million rubles per month. Credit cards provide for a daily limit on cash withdrawals - 300 thousand.

What does the platinum card of Sberbank give

Premium plastic from the Platinum series is necessarily supplied with a reliable security system. The owner has access to operations for paying for purchases in online stores, because security is guaranteed by the 3D Secure system. In addition, you can pay from a credit card account without a physical medium using PayWave/PayPass technologies. Premium series cards give Russians a lot of advantages on the territory of the Russian Federation and abroad.

In Russia

Holders of premium plastic belong to the VIP category. On the territory of the native country, a product from the Platinum series gives the owner the following preferences:

• increased withdrawal/deposit limits;
• big bonuses for purchases;
• free SMS informing;
• preferential registration of other products of the issuer;
• access to the VIP-zones of public institutions;
• quality service;
• access to premium programs of the issuer;
• favorable interest rate on the loan, increased limit;
• concierge service (booking hotels, tickets, rented vehicles);
• purchases paid for with a platinum card are subject to free insurance for 3 months (at a cost of $50).

Abroad

Plastic can be used in 210 countries of the world. Outside of Russia, platinum card holders can count on legal support and medical assistance. The International SOS company, within the framework of servicing premium cards, takes on consulting, hospitalization, provision of lawyers, translators. Concierge service and emergency cash withdrawal in case of loss of the card is valid outside the Russian Federation.

Video

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.

What is the place of the Platinum card in the Visa family, and its characteristic differences

Visa offers products for clients with different requirements:

• "prepaid" are popular as a gift instead of a certificate,
• Momentum (formerly Electron) with a minimum set of functions are available to customers without banking history,
• Classic is a universal product, has an affordable price, standard features.

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:

• Gold offers holders legal and medical advice in emergency situations abroad, as well as privileges in hotels, restaurants, shops in more than 200 countries.
• Platinum allows you to get real medical and legal assistance without additional payments, extended travel insurance is available to the holder of a Platinum Visa and fellow travelers - members of his family.

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.

• Signature and Infinite differ in their fees for maintenance and available amounts for cash transactions, which reach tens of millions.

Of the Visa services, the concierge service is exclusively available, with which you can order all services by one number, and advanced insurance options.

Sberbank Platinum Card

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:

1. Privileges from Visa International in the form of free insurance when traveling abroad, an additional guarantee, opportunities for recreation and leisure.
2. Getting cash abroad at home.
3. Immediate cash withdrawal outside the Russian Federation, even if the card is lost.
4. Priority banking.
5. Accrual of increased bonuses "Thank you".

Along with premium privileges and benefits, Visa Platinum gives you the opportunity to use all the standard services of Sberbank:

• payment at the cash desks in stores;
• payment of utility services, taxes, duties, cellular communications, online purchases;
• remote account management online and through the Mobile application;
• 24/7 support service 88005555550.

Basic terms of service:

Visa Platinum Premier

For newly issued platinum Visas, the procedure for accruing bonuses is prescribed in the general rules of the program Thank you. The duration is unlimited.

Platinum Premier visas were issued as part of the "Thank You" promotion 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:

• 2500 rubles for each month starting from the third;
• free of charge, subject to the total balance on all bank accounts of 2.5 million rubles or more;
• free for the first 2 months.

The complex of premium services makes the daily life of a business person comfortable.

Privileges without additional payments:

• issuance and maintenance of a Sberbank card with big bonuses Thank you;
• for deposits in the amount of more than 1 million rubles, their interest rates increase by 0.8%;
• currency exchange at special rates;
• extended travel insurance package, indemnification without intermediaries;
• VIP lounges at airports;
• remote consultations of highly qualified doctors from clinics around the world (Israel and Germany);
• filling out a tax return;
• 20% discount for safe storage.

Card with big bonuses

Visa with increased cashback is served at the rate for platinum products, additional points are awarded for purchases:

• gas stations, Gett and Yandex taxi - 10%;
• restaurants - 5%;
• supermarkets - 1.5%;
• “Thank you” bonuses from current partner offers, where there is a cashback of up to 20%, sometimes higher;
• other purchases - 0.5%.

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 above-average incomes.

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.

Offer differences

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:

Features of using the card

The platinum card of Sberbank Visa is connected simultaneously to international payments and to the largest bank in the Russian Federation. 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.

Cash withdrawal limit

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:

Card features

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:

• registration of insurance;
• warranty card;
• services of hotels, restaurants, carriers, entertainment venues, if they are partners of the Visa;
• cashback payment.

Privileges and benefits

Savings Bank customers 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:

• advanced insurance options;
• increased limits in cash transactions;
• reduced commissions or their absence for monetary transactions;
• free emergency cash withdrawal abroad;
• favorable conditions for recreation and leisure;
• extension of the warranty period;
• priority banking service;
• discounts on certain services at airports;
• increased cashback;
• comfortable account management via mobile phone;
• round the clock technical support Visa Int. and bank.

You can get a Platinum Visa as part of the Sberbank Premier package. In addition to its free service, the premium package allows you to:

• receive increased interest on deposits with their amount above 1 million rubles.
• exchange currency at a favorable rate;
• access to airport VIP lounges;
• exclusive consultations of doctors;
• filling out the declaration 3-NDFL;
• preferential safe storage.

Benefits at the airport

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:

• comfortable sofas;
• fresh press;
• universal chargers;
• Wi-Fi (almost all airports);
• some VIP rooms offer showers, spa services, sleeping areas, meeting rooms.

The privileges apply to the Priority Pass holder and all his companions on the trip.

How cashback and bonuses are calculated

Participation in the Thank You program is free. To connect, choose a convenient way:

• ATM;
• online account;
• mobile app.

Register:

• enter a phone number;
• enter your email address (when connecting in the online account);
• confirm your agreement with the rules;
• wait for the password via SMS (required for identification when calling the contact center).

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 browsing it, you will be aware of current special offers.

Points are not awarded for the following transactions:

• payment and transfer through an ATM or bank cash desk;
• currency exchange;
• purchase of valuable metals, papers, traveler's checks;
• payment for goods prohibited in the Russian Federation, services related to the gambling business;
• transfers to individuals;
• communal payments;
• the sixth and subsequent purchases on the same day in the same store.

Thank you for corporate and co-branded (Aeroflot, MTS) projects.

Not all members accept points. An 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:

• the maximum amount for one client is 5000;
• for refueling and taxi - 1000;
• cafes, restaurants - 2000.

Points are available for 36 months, after which they are canceled.

If cashback is disabled, re-participation in the program is not provided.

Discounts

Visa International publishes on the site the current offers of partners: hotels, transport services, shopping, restaurants and other entertainment. The average discount is 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.

Additional points

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:

• 50% of the amount of annual maintenance for the first year;
• 0.3% of the amount spent at the checkout from the client's account;
• 0.3% - from the bank account.

Pros and cons of the card

Among the benefits enjoyed by Visa Platinum holders from Sberbank, it is worth noting:

• increased cashback;
• free reissue for any reason;
• extended insurance;
• technical support in many countries;
• legal assistance abroad;
• cashing out abroad even with the loss of plastic;
• high cash withdrawal limit;
• discounts from Visa partners;
• participation in Art Weekends.

• relatively expensive service, but the privileges and bonuses received compensate for it;
• limits for cashback accrual;
• limited ability to use bonus Thank you.

The pros of a platinum card at Sberbank noticeably outweigh the cons.

How to order and receive?

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.

A small overview of user reviews

There are conflicting reviews. The main dissatisfaction is connected with the use of Visa Premier. The 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.

Conclusion

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.