World mastercard black edition prime privileges. Premium World Black Edition Card

24.08.2023

The black Sberbank card elegantly complements its owner's wallet and other accessories. Its maintenance costs an order of magnitude more than classic and gold products.

This plastic opens up additional possibilities.

Who is this product beneficial for? For everyone who pays by card monthly from 3,600 rubles in supermarkets and the same amount at gas stations.

Cashback from the indicated amounts fully covers the cost of annual service. Everything spent above that brings net profit.

Let's figure out how clients can get the most out of a black credit card. What exactly makes it premium?

Description of the card class

All Sberbank plastic can be divided into 3 types:

Standard;
Gold;
Premium.

There are 3 levels in the premium segment:

Platinum;
Signature/World Black Edition;
Infinite/World Elite.

From the bank's perspective, the differences in service between Platinum and Signature/Black Edition are minimal. The fundamental difference is that platinum cards are debit cards, while the latter are 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 allowance, monthly		The only limit is 30 million rubles. per month.
Transaction fees	Charged		There are practically no tariffs.
A package of services within which plastic is issued free of charge	Premier		First
Cash deposit	Maximum 10 million rubles. per month.		There is no limit.
Plastic lending	No	Credit limit up to 3 million rubles.	Overdraft up to 70 million rubles.
Cash withdrawal from an ATM	For free	3–4%, minimum 390 rub.	For free
Increased cashback	Always		For expenses on the card exceeding 150 thousand rubles. in the previous month
Gas station, taxi	10%		-
Cafes and restaurants	5%		10%
Supermarkets	1,5%		5%
Travel Privileges	Discounts at airports (luggage 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 Visa side - extended insurance for those traveling abroad.
Concierge service	Not included in price	Visa has it

Sberbank offers Visa Signature and MasterCard Black Edition cardholders the same service:

cashless payment in stores in all countries;
payment of utility bills, taxes, fines, cellular communications and others;
withdrawing cash from an ATM with a commission;
accrual of increased cashback Thank you;
remote access to accounts.

The difference between the two products is everyday life It’s barely noticeable, but it’s there. Especially noticeable when traveling.

Visa Signature

The payment system provides the following opportunities for its Signature holders:

24/7 technical support in all countries, including emergency production and delivery of plastic in case of loss or damage;
medical assistance, information support abroad;
doubling the warranty period for goods purchased under a Visa, provided their value is over $50 and there is a manufacturer’s warranty of 1 year;
extended risk insurance when traveling abroad;
24-hour concierge who, at the client’s request, books tickets, tables in restaurants and other services;
free admission to cultural events, entry to which is available only to premium Visa holders;
discounts and other privileges on goods and services of numerous Visa partners, including shops, entertainment venues, hotels, and transport services.

The Sberbank Visa Signature card is especially popular among travelers because of its insurance. Annual maintenance of plastic has a comparable cost to a policy of a similar level.

Aeroflot

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 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 limit on cash withdrawal, rub.	500 thousand	300 thousand
Cashback	Only miles that are spent at special internal rates for goods and services of Aeroflot and its partners.		"Spasibo", the exchange rate of which is equal to the ruble, is accepted by Sberbank partners

Co-branded cards offer holders the following services:

non-cash payment;
withdrawing cash from an ATM (from a credit card with a commission);
Visa privileges (medical assistance, insurance abroad, concierge, partner discounts, double guarantee, creative weekends);
profitable cashback accrual by the carrier.

Aeroflot premium Visas earn 2 miles for every 60 rubles spent when paying with plastic.

Example for clarity:

An economy class ticket from Moscow to Vienna costs 12,500 miles when purchased 2 weeks in advance, with an additional fee of approximately 3,800 rubles. The same ticket when paid in cash costs 13,103 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 cost of the ticket minus fees is approximately 9,300 rubles. (13103-3800=9303);

1 ruble corresponds to less than 1.5 miles (12500/9300=1.34);

bonuses in miles 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 that are closely related to air travel and tourism. There are some restrictions, for example on roundtrip flights.

MasterCard World Black Edition

The international MasterCard system provides its premium clients with waiting for international flights in comfortable lounges. However, they are not available at all airports. In Russia, such a hall is currently only available in Terminal E of Sheremetyevo. Holders of MasterCard World Black Edition of Sberbank also have access to other services payment system:

technical support 24/7 all over the world;
incentives in the form of discounts on purchases in stores, cafes, and entertainment venues;
attractive cashback from MasterCard Rewards, which favorable exchange rate exchanged for certificates from chain stores, as well as for exclusive products presented on the program website.

Debit

MasterCard World Black Edition and Visa Signature are issued by Sberbank only in the form of credit cards. A brief description of alternatives among debit cards:

Visa Signature Aeroflot – service 12 thousand rubles annually;

Profitable cashback for frequent fliers;
— unjustified costs for infrequent travelers;

Platinum Visa and MasterCard - the cost of service is the same 4900 rubles per year;

Plastic allows you to withdraw cash from an ATM without commission up to 500 thousand rubles. per day;
— fewer privileges from payment systems;

Infinite Visa and MC WorldElite – fee 30 or 70 thousand every year;

No commissions, the only limit is cash withdrawal of 30 million rubles. per month;
+ maximum cashback Thank you;
+ maximum level of privileges from Visa, MasterCard;
— guaranteed profitability of plastic at non-cash payments from 150 thousand rubles. per month.

Credit

Black credit cards at Sberbank are issued on an individual basis for existing clients with a positive history, as well as on a mass basis for those applying for the first time.

The main difference concerns the size of the loan rate. 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, other things being equal, existing customers receive an offer with a higher amount.

Terms

Let's summarize what was described above:

maintenance 4900 rubles per year;
validity period 3 years;
credit limit within 3 million rubles;
the loan rate is 21.9% for a pre-approved offer, 25.9% for a mass offer;
penalty in case of delay 36% per annum;
commission for cashing out at an ATM 3–4%, not less than 390 rubles;
increased cashback (10% gas stations, taxis; 5% restaurants; 1.5% supermarkets);
privileges from MC and Visa, comparable to elite products.

Maintenance cost

If you register yourself, the product costs 4,900 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 payment transactions in the previous month in the amount of 80 thousand rubles or more. If the amount has not been reached, the point value corresponds to the standard plastic offer.

Sberbank Premier is a range of services within which privileged clients receive:

+0.8% to rates on deposits from 1 million rubles;
favorable exchange rates;
discount on safe storage;
Priority Pass, giving access to a network of VIP lounges at airports;
extended family insurance when traveling abroad;
remote consultations with doctors from leading clinics in the world;
increased level of service in the bank;
filling out 3-NDFL.

The service package costs:

2500 rubles per month on a general basis;
free trial period 2 months;
free of charge if the total balance on all client accounts with Sberbank at the end of the month is over 2.5 million rubles.

Cash withdrawal limit

The maximum amount available for cashing is 300 thousand rubles. per day. Within this amount, you can receive up to:

100 thousand at Sberbank ATMs;
300 thousand in its box office;
300 thousand at cash desks and ATMs of third-party banks.

To withdraw cash from a credit card, you need to pay a commission, 3% in Sberbank, 4% in other organizations, at least 390 rubles.

Bonuses and discounts

Sberbank calls Signature and World Black cards with big bonuses. Their holders receive increased points:

at gas stations and in taxis Yandex, Gett - 10%;
in a cafe – 5%;
in supermarkets – 1.5%.

Additionally, stores participating in the Thank You program award up to 30% bonuses. For any purchases, cashback is at least 0.5%.

Payment systems have their own partners.

The visa offers discounts and privileges for travelers: hotels, outlets, tourist trips.
MasterCard holders save money in cinemas, shops, cafes. The system also allows you to connect profitable cashback, which is exchanged for certificates from popular chain stores.

Lists of partners and promotions change frequently. Check out the latest information on the websites of banks and payment systems.

How to get

Clients with incomes significantly above average and a positive history with 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 Internet banking, a reply SMS, or a personal visit. You can pick up the finished plastic on the appointed day by presenting your passport.

On your own initiative, you can leave an application in a branch or on the website by clicking on the “Apply card” button on the product page. Next, follow the instructions of the system. The algorithm will differ depending on whether you receive your salary through Sberbank or whether you have mobile and online banking connected. You may need to visit the office in person with proof of income.

The bank will inform you via SMS about the issuance decision. If it is positive, you will be given an estimated date of receipt. Later you will receive an SMS notification that it is ready for pickup.

Pros and cons of the card

The unconditional advantages are:

increased bonuses Thank you;
elite privileges from Visa and MasterCard;
The interest rate on the loan is lower than that of gold and standard offers;
high credit limit.

Disadvantages include cost-related issues:

significantly more expensive than gold cards;
if you pay with plastic only in supermarkets, its profitability starts from a monthly turnover of 27,500 rubles;
when paying exclusively for shopping without supermarkets and restaurants, this amount increases to 82 thousand.

Conclusion

MasterCard World Black Edition and Signature Visa from Sberbank are one of the most attractive offers for those who spend about 1 thousand rubles a week on gasoline. The product can be called an economical version of luxury products. The holder has access to Infinity Visa and World Elite MasterCard privileges at the price of platinum cards.

After a year of use I will write a review on the credit card

These are premium credit cards with a limit of up to 3,000,000 rubles.

A few months after receiving a mortgage in personal account Sberbank has an offer with an approved credit card.

To be honest, this was very helpful. The renovations in the apartment were completed, but there were no appliances, furniture, etc. in it at all. And vacation is just around the corner. Still, they want everything at once.

Don’t go anywhere on vacation and buy all the equipment or go on vacation and sleep on the floor)

We decided to cheat and use a credit card) So that we could pay for it for the rest of our lives.

Maintenance cost

4900 rubles per year.

Why so expensive? The card is considered premium. She has additional bonuses, which I will talk about below.

In the meantime, you can just tell everyone that you have a “luhari”/platinum card))

Receiving a card

After the mortgage, in which we provided all documents confirming income, no additional certificates were required. They simply confirmed their consent to receive the card and, it seems, received it from the bank within a week.

If you have a good credit history, then you will most likely also be approved for this card.

Interest on credit card

If you have personal offer - 21,9%
In other cases higher.

Increased bonuses

Let's move on to the sweetest part - increased bonuses for purchases.

If you have ever had a Sber card no later than 10 years, then you have heard about bonuses. They are awarded per purchase. 0.5% from each purchase.

This card has increased bonuses for some categories of purchases. You can get up to 10% bonuses.

10% bonuses - when paying at a gas station, Yandex Taxi and Gett taxi
5% - when paying in cafes and restaurants
1.5% - in supermarkets

What other privileges?

Access to the VIP lounge at Sheremetyevo for 1,500 rubles.

It’s already better at some airports in European cities - free access to the VIP lounge: Vienna, Prague, etc.

That’s all, alas) I haven’t found any more “platinum” for myself yet)

There are also discounts in different stores. You can see all the discounts on the website, but they only work when you enter a code on the seller’s website or if you tell the seller a special code. That is, there will be no automatic discount if you pay by card. From less well-known stores, I saw a discount in Rendezvous, Body Shop and Shokoladnitsa. But all promotions are temporary. That is, in order to use them you need to constantly monitor the list of promotions, remember the codes and call them on time)

All the most delicious bonuses on the card Visa Signature. If we ever choose again platinum card, then let's take it. There are a lot of “goodies” there.

Is the cost of service worth it?

In our family, yes, it pays off. Now we only use this card. My husband linked his card to Apple Pay and pays with his phone, and I go with his card and pay with it. I have already abandoned my card.

Now let's get into my wallet))

May 2018

Consumption 86,810 Rubles

Bonuses received - RUB 1,920.32

Attention! You will receive bonuses only for every 100 rubles of expenses. SberBank rounds down.

That is, if the purchase was for 80 rubles, then you will receive NOTHING! Muhaha!

4900 maintenance per year divided by 12 months = 409 bonuses per month must be received in order for the card maintenance to pay off

409 bonuses per month = about 30,000 rubles only in supermarkets | about 4,000 rubles only at gas stations | about 4,000 rubles only on trips to Yandex or Gett Taxi | About 8,500 rubles only in a cafe

If any of the above suits you, then the card will at least pay for itself. For a family, even without children, with 1 car, shopping in supermarkets, and maybe sometimes taking a taxi, the card will definitely be beneficial.

This card even brings us income. Credit card with income)

How many bonuses did we earn in a year?

I wanted to see statistics on bonuses for the year, but the data is stored only for 2 months, it turns out.

I collected statistics from Ozone.

Since July last year, 12,715 bonuses have been spent.

As of today, there are 5564.53 bonus rubles left.

It was not possible to restore the write-off of bonus points at Burger King, so maybe there were more.

It turns out that we earned at least 18,279 bonus rubles in almost a year.

The card paid for itself almost 4 times!

Of course, not everyone will find it convenient, but you can only spend bonuses with partners or on Sberbank services, but it suits us.

We usually spend bonuses on Ozone, at Burger King.

What about loans?

Don't think that I encourage everyone to use credit funds and pay interest to the bank. Not at all. We return money within the grace period. They only went “on credit” when they bought equipment within 1 month and went on vacation. Only then was the card used as a credit card)

For those who don’t know, you can use a credit card without interest if you repay the money within the grace period.

I believe that you can pay the bank to use something right here and right now, rather than saving for a few more months/years. It's everyone's choice. For me at that time, debts were less significant than not taking advantage of the vacation that fell in the summer, or living in an apartment without furniture and equipment, in bags and boxes.

I do not recommend taking out loans spontaneously. Even before you apply for a loan or credit card, you should know what you will have to pay and how long it will take to pay off your debt.
Loans are addictive!) Be careful!

The interest rate if you borrow money is quite high - 22%. It’s easier to get a consumer loan for the required amount, if "not lit". Interest rate on consumer loans Now it’s about 15%, much more profitable.

Credit cards have higher interest rates because they are mobile. You don't need to apply every time - use it when you need it.

If you are an ardent opponent credit cards then try to order debit card with the same increased bonuses, you will be happy.
Conclusion

The card really gives increased bonuses, no deception.
But Sberbank is not unique here.

I know that a year ago AlfaBank had the same card, but the service was 1000 rubles cheaper.

Cards from Tinkoff Bank also have increased cashback for some categories.

Study carefully and choose the best card for yourself.

Mastercard Black Edition credit card is a premium product of the Mastercard payment system. Holders of such cards have the right to count on a number of preferences. This is a luxury product designed for business owners and active travelers.

The card form is made of special carbon fiber and has an original, laconic design.

The telephone number of the Mastercard Global Support Service in Russia is 8–800–555–02–69. Calls from landlines are free.

General Product Features

An important advantage of MasterCard Black Edition is that its owner has the right to be serviced in the offices of the issuing bank in VIP rooms. Calls to the call center are received on a special, dedicated line, and service is handled by a personal manager.

Mastercard Black Edition offers significant advantages. Cardholders from domestic issuers can count on:

credit limit of about 1 million rubles;
moderate interest rates;
extended grace period;
participation in bonus programs;
incentives and discounts up to 30% for the purchase of certain goods and services;
Priority Pass, that is, access to business class airport lounges, regardless of the ticket class, airline and number of companions of the card holder. The cost of the service is about $30 per person. Payment is debited from the card account within 2 months from the date of visit;
emergency assistance in case of card loss;
free insurance for trips abroad with insurance coverage up to €71,000. Insurance for family members is possible at reduced rates;
free visas in some countries;
use of PayPass contactless payment technology;
protection of online purchases Mastercard SecureCode;
preferential or free access to SMS services and Internet banking.

Premium services

MasterCard Black Edition provides the following privileges:

World status guarantees the owner receiving VIP service in any developed country;
participation in the Priceless Cities program, thanks to which you can purchase tickets to cultural events at discounted prices and use VIP boxes from MasterCard;
opens access to the services of the Nielsen Club, which will allow you to order travel arrangements of any degree of complexity along any route.

An important privilege for owners of MasterCard World Black Edition is free services Concierge service from a partner of the Aspire Lifestyles payment system. Thanks to this service, many issues are resolved, including everyday ones, even if the problem arose abroad.

You can call the Concierge Service by phone:

8 800 700-44-09, if the call comes from any city in Russia, then the call is free;
8 499 500-44-09 is the Moscow number for calls from abroad.

Offers from Russian banks

Sberbank

Sberbank issues Mastercard Black Edition under the following conditions:

the annual fee for using the card will be 4,900 rubles;
credit limit – up to 3 million rubles;
interest rate – 21.9% if the issue was carried out according to a pre-approved offer and 25.9% if according to a mass offer;
grace period – 50 days;
commission for receiving cash - 3% in Sberbank terminals and 4% when accessing devices of third-party organizations (minimum 390 rubles);
There is no provision for issuing an additional card.

Advantages:

large credit limit;
premium accrual of “Thank you” bonuses is up to 20 times greater than for other bank products.

Flaws:

account currency – Russian ruble only;
availability of age restrictions – from 21 to 65 years;
work experience is required - at least 1 year in the last 5 years, but at least 6 months with the last employer.

UralSib

IN Bank UralSib The card is provided under the following conditions:

annual service both the main card and the additional one – 6,000 rubles;
lending limit – 10,000 – 500,000 rubles;
grace period – up to 2 months;
interest rate – from 23.9%.

Advantages:

loyal attitude to work experience - from 3 months at the last place of employment;
receiving cash at UralSib ATMs is free, and at self-service devices of other companies the commission will be 0.7%;
account currency – rubles, euros or US dollars.

Flaws:

the minimum age of the borrower is 25 years;
When the card holder reaches the age of 60 years, the contract is terminated.

Reissue (in case of loss, upon expiration of the validity period) is paid - 6,000 rubles.

Alfa Bank

Alfa Bank will provide a card with the following parameters:

debit card;
up to 7.5% cashback goes to the savings account;
withdrawing cash from the issuer's ATMs is free, from third-party banks - 1%;
account currency - rubles, euros or US dollars with the possibility of instantly relinking the card to an account in one currency or another.

Advantages:

4 times a year you can receive cash abroad for free;
You can get up to 600,000 rubles per day from an ATM.

Flaws:

the product is available either to existing bank clients or after connecting the “Maximum+” option;
you can withdraw no more than 3 million rubles from an ATM per month;
very expensive annual maintenance - 33,000 rubles in the first year of ownership and 36,000 rubles in the second.

Resume

In Russia, holders of Mastercard Black Edition are provided with discounts, preferential interest rates and other preferences on conditions different from those available to cardholders in other countries. The effectiveness of using the product directly depends on the capabilities provided by the issuing bank. Accordingly, you 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 operates.

Mastercard Black Edition from Sberbank is aimed at users whose activities are concentrated mostly 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 will be useful for those who prefer to spend within the limits of the amounts available in their own account.

All banking products operate on the basis of payment systems (PS). Those, in turn, begin to divide into classes. From class level bank card the privileges, pros and cons that the payment system provides, as well as the cost of annual service depend.

In this article we will talk about the Mastercard Black Edition product. 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, advantages and benefits

World Mastercard Black Edition “Premier” – has a high class of service and is usually issued and issued only to VIP clients. Today, banks have begun issuing these cards to anyone who wants them. Such products are typically used by travelers and highly privileged businessmen who have multi-million dollar accounts with the issuing bank.

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 opportunity to insure yourself and your loved ones for free when traveling.
A personal manager who will advise the client on bank accounts at any time.
Participation in discount programs from credit institutions and the MasterCard payment system.
Emergency cash withdrawal abroad if the card has been lost. Issued at any bank.
Upon presentation of the card, you can receive Priority Pass privileges. This makes it possible to visit the business lounges of almost any airport on the planet.
Buying tickets at discounted prices. To various events around the world.
The Nielsen Club service gives you the opportunity to travel anywhere in the world along any route.
High ceiling on daily and monthly cash withdrawal limits. Up to several million.
Possibility to open a multi-account: in rubles, euros or US dollars.

NOTE! You need to understand that some advantages and privileges may be curtailed by the bank itself and may differ depending on the institution where the MasterCard PS product was issued.

Cons

Very expensive annual 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% on everything, 7% for purchases in the “AIR TRAVEL” category.
Remuneration is no more than 10 thousand rubles per month.

BINBANK SVO Club Premium

A similar program as for the previous card.
Additional bonus program: 10% on purchases at Duty Free, but only at Sheremetyevo.
10% discount when paying a bill at Shokoladnitsa

Tinkoff Black Edition

Refunds are in progress: 5% in the selected category of goods or services, 1% for everything and up to 30% from the bank’s partners on special offers. proposals.

Orange Premium Club – Promsvyazbank

Free service if there is an amount of at least 2,000,000 rubles on the account. Or 1,000,000 with a purchase amount over the last 30 days of at least 50,000 rubles.

Booking flight tickets, car rentals, etc. makes it possible to accumulate miles. 1.5 miles for every 30 wooden spent, and 15 for every 67 rubles on the iGlobe.ru website.
With your first purchase you get 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.

"Harvest" bonus program. 1.5 points per 1000 rubles spent.
The maximum number of points per month is 10 thousand.

Terms of receipt and use

On given time Banks do not impose strict conditions. Since if an ordinary client takes it, the bank will receive benefits from expensive services. So it’s not worth buying it and registering it only “for antlers.”

Bottom line

Let's take a look at the black products of different banks. It may be noted that the terms offered credit institutions 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 in monthly in the equivalent of annual interest.