Visa Gold card - benefits, discounts, privileges. Discount programs How cashback and bonuses are calculated

When using a bank card, no one is protected 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 cannot do without emergency services, such as urgent cash issuance or card reissue. Such services, of course, are also present on classic cards, but to use them you will have to pay a considerable commission, about 5-10 thousand rubles. But gold card holders have the right to use such emergency services completely free of charge. We have already described exactly what services we are talking about in the article “Card reissue and emergency cash withdrawal”.

Free medical and legal advice

While you are far from your home country, you may find yourself in another difficult situation where you may need legal or medical advice. And here free services from the VISA payment system will help, whose employees will advise you over the phone in your native language on any questions of interest. The main thing to remember is that only information is provided to you free of charge, that is, addresses of hospitals, familiarization with the laws of the host country that interest you, etc., and any other services related to specific assistance, such as defense in court, will be paid separately and in full.

Concierge service

Gold card holders can use a minimal list of concierge services, which includes assistance in booking tables in cafes or restaurants, as well as information about available seats, ordering air or train tickets, and this is where your privileges in the concierge service end.

Discounts under the VISA loyalty program

The VISA discount program allows gold card holders to receive bonuses and special offers from payment system partners, of which there are quite a lot and can be roughly 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 partner of this program, you receive a discount on a particular product or service. Moreover, the discount can be from 5 to 10%, which is most common, and reach up to 50% with special offers from partners. You can find out the full list of partners of the VISA payment system both in Russia and abroad on the VISA website.

Who needs Visa gold card privileges and why?

To summarize, it can be noted that the services offered by VISA on Gold cards are useful, primarily for those who often travel abroad or move around other cities, whether on business trips or travel. And if you are not from this cohort of citizens, we advise you to think twice about purchasing a gold card, of course, if the only purpose of registration is to receive exclusive services from the payment system. However, the presence of a discount program will be very useful for those who like to shop a lot for clothes and goods, because there are a lot of brand stores on the list of partners and there is plenty to choose from.

To make a 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 depositing them in a separate account. With the Platinum premium debit card, you can earn increased cashback, comparable in liquidity to cash.

How much do you need to spend per month for the preferred product to pay for itself? 4 thousand for gasoline and 600 rubles in supermarkets. Exactly this amount will bring platinum plastic to cost. Everything paid above will bring net profit.

Holders with above-average incomes and travelers benefit the most.

What place does the Platinum card occupy 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 minimal set of functions is available to clients without a banking history,
• Classic is a universal product, has an affordable price, and standard features.

The premium segment is represented by Gold, Platinum, Signature, Infinite cards. As the status of plastic increases, the limits on monetary transactions and access to Visa services increase:

• 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 insurance for traveling abroad is available to the holder of a Platinum Visa and fellow travelers - members of his family.

Favorable booking and shopping conditions are relevant for all travelers.

When purchasing a product with a warranty of up to 2 years at a price of $50 or more, Visa Platinum doubles the warranty period.

As part of creative weekends with a Visa, you can visit exhibitions, concert halls and various events for free.

• Signature and Infinite differ in service prices and available amounts for cash transactions, which reach tens of millions.

Exclusively available Visa services are a concierge service, with which you can order all services using one number, and expanded insurance options.

Sberbank Platinum Card

The Platinum visa is easy to recognize from afar. It has an eye-catching design in a black metallic color that underlines the reputation of the holder. The cost of maintenance is noticeably different from classic and even Gold products - 4,900 rubles per year. Whether it is a lot or a little, the client decides for himself. When assessing the benefits for yourself, weigh the benefits:

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

Along with premium privileges and benefits, Visa Platinum makes it possible to use all standard Sberbank services:

• payment at checkouts in stores;
• payment for housing and communal 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 calculating bonuses is specified in the general rules of the Thank you program. The duration of the event is unlimited.

Platinum Premier visas were issued as part of the “Thank You” bonus points promotion for premium products. Its duration ended on March 7, 2018.

Platinum Visa, currently issued, and Platinum Premier cards provide a number of similar opportunities to the holder. The difference lies in the cashback accrual and the price for the service.

Premier were issued to clients of Sberbank Premier and cost 4,900 rubles per year.

According to current tariffs, Platinum is issued free of charge as part of the premier package of services; a package issued independently costs 4,900 rubles per year.

Premier package cost:

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

A range of premium services makes the daily life of a business person comfortable.

Privileges at no additional cost:

• issuing and servicing a Sberbank card with big bonuses Thank you;
• for deposits worth more than 1 million rubles, their interest rates increase by 0.8%;
• currency exchange at special quotes;
• extended travel insurance package, damage compensation without intermediaries;
• VIP lounges at airports;
• remote consultations of highly qualified doctors from clinics around the world (Israel and Germany);
• filling out a declaration to receive a tax deduction;
• 20% discount on safe storage.

Card with big bonuses

Visa with increased cashback is serviced 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 cashback is 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. These include popular shops, cafes, cellular communications and others. By offering favorable conditions, the bank expects a large turnover on the card account. The product is designed for clients with above-average income.

Having a car, as an alternative - frequent taxi trips bring the bulk of cashback. When traveling by bus, you will have to pay with a Visa in restaurants and supermarkets for amounts up to 28 thousand rubles per month in order for the service costs to 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.

Differences between offers

Visa Platinum and Visa Platinum Premier of Sberbank belong to different shares. The cards have similar capabilities.

Let us outline the differences that relate to release and maintenance:

Features of using the card

The Sberbank Visa platinum card 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 basic conditions for using the services are fixed in the contract, the list of offers and promotions is periodically updated. It makes sense to regularly check out information updates on both the bank and Visa websites.

Cash withdrawal limit

Platinum Visas make it possible 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 stripe is a reliable information carrier. You can use Visa Platinum privileges with simplified paperwork or without it at all.

The holder just needs to present the card, and it itself 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 Visa partners;
• cashback payment.

Privileges and benefits

Savings Bank clients with Visa Platinum enjoy the advantages of the international payment system, the leading bank in Russia, and the premium status of black plastic.

Summarizing the privileges described in the article, we highlight:

• expanded insurance options;
• increased limits on cash transactions;
• reduced commissions or their absence for cash transactions;
• free emergency cash withdrawal abroad;
• favorable conditions for recreation and leisure;
• increasing the period of warranty cards;
• priority service at the bank;
• discounts on certain services at airports;
• increased cashback;
• comfortable account management via mobile phone;
• 24/7 technical support Visa Int. and a 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 when their amount is above 1 million rubles.
• exchange currency at a favorable rate;
• access to VIP lounges at airports;
• exclusive consultations with doctors;
• filling out the 3-NDFL declaration;
• preferential safe storage.

Benefits at the airport

All Platinum Visa holders at airports have a 20% discount on baggage packaging by Pack&Fly. Car rental companies Avis, taxi Wheely, Gett operate at many airports. There is also a 20% discount on their services, and an additional 10% cashback on Gett taxis.

Privileges are much wider for owners of Sberbank Premier. They receive a Priority Pass, which allows them to wait for their flight in comfortable conditions without additional charges. To visit the VIP lounges, you just need to present your Priority card. The service does not depend on the class of plane ticket.

Guests have free access to:

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

Privileges apply to the Priority Pass holder and all his travel companions.

How cashback and bonuses are calculated

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

• ATM;
• online account;
• mobile app.

Register:

• indicate your phone number;
• enter your email address (if connecting to your 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 be awarded automatically for all purchases paid through the checkout using Visa. For a check amount up to 15 thousand rubles - within 5 days, above - up to 2 months. Premium card holders receive increased bonuses at gas stations, taxis, restaurants, cafes, and supermarkets.

The bank's website has a separate section for the bonus program. By viewing 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 teller;
• 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;
• sixth and subsequent purchases on the same day in the same store.

For corporate and co-branding (Aeroflot, MTS) projects, Thanks are not awarded.

Not all members accept points for payment. The exact list is available on the website. Ozon.ru, BurgerKing, Kari have proven themselves to be regular ones.

Many partners limit the minimum amount of payment in bonuses, for example, 100, 300 Thanks, or the maximum share - 99% or 75%. Check out the exact list on the bank's website.

Restrictions on accrual of bonuses per month:

• maximum amount per client – ​​5000;
• for gas station and taxi – 1000;
• cafes, restaurants – 2000.

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

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

Discounts

Visa International publishes on the website current offers from 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, reservations at Visa partner hotels are available directly, and the card will automatically provide a discount. However, booking through Thanks-travels 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 Platinum “Give Life!” is directed to the treatment of seriously ill children:

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

Pros and cons of the card

Among the advantages 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 abroad even if the plastic is lost;
• high limit on cash withdrawal;
• discounts from Visa partners;
• participation in Art Weekends.

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

The advantages of a platinum card at Sberbank noticeably outweigh the disadvantages.

How to order and receive?

You can order it yourself online on the bank’s website. A scan of your passport will be required.

After filling out the application, wait for it to be reviewed. This takes up to 3 days. You will be notified of the decision, and if positive, you will be invited to receive it.

A short overview of user reviews

There are conflicting reviews. The main dissatisfaction is related to the use of Visa Premier. Holders were not satisfied with the accrual of increased bonuses only when the monthly turnover on the card exceeded 80 thousand rubles. What was especially outrageous was that the restriction information was printed in small gray font.

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. Taking out a similar policy for a family on your own costs about the same as an annual use of Platinum.

Conclusion

Over the past year and a half, Sberbank's platinum product has changed a lot and has become more accessible.

Sberbank Platinum continues to be most popular among travelers. Increased cashback remains an attractive addition, and for many holders it is the main advantage.

By participating in the Visa Bonus program, holders of Classic and Electron Visa cards can receive discounts and bonuses when paying for goods and services from payment system partners. Among them are shops and pharmacies, cafes and restaurants, hotels and other organizations.

General terms

You can find out the current offers on the program website. It is possible to sort promotions depending on the level of the Classic or Electron card. The following categories are available to choose from: Entertainment, Restaurants, Shopping, Hotels, Leisure and Transport. The program operates in dozens of countries around the world.

For example, Visa card holders will receive a discount of up to 10% at restaurants “Scandinavia”, “Soho”, “Sea Zone”, “Panorama”, “Zyu” and others. Among the stores that are partners of the program are: Askona, Sunlight, Puma, liters and others. You can get a 5% discount by paying with a Visa card for your stay at the hotels “Azimut”, “Maxima Hotels”, “Diplomat”, “Kulibin”, etc.

To receive a discount, you must pay for the product or service with a Visa card. The promotion includes debit and credit cards. You can find out more about the size of the discount and the list of program participants by calling the support service at 8-800-250-33-02.

Bank cards are a convenient way to make payments and store money. There are several types of “plastic” depending on the package of services provided: electronic, standard, premium. For those wishing to receive an expanded 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 the Visa Platinum card, which will be discussed in the article, will receive special attention.

A little about Visa

This is a world-famous and popular payment system that regulates the relationship between the issuing bank, the merchant and the cardholder when making transactions. The company itself does not set service fees and does not produce “plastic”. The activity of the Visa system is reduced to providing access to the electronic payment network and transaction security. Thanks to the company's innovative solutions, financial institutions offer card products to clients. 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 provide 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 payment system partners.

Personal assistant

Visa Platinum holders have access to free concierge service anywhere in the world. Specialists will inform you about interesting events at the owner’s location and take care of booking tickets. In addition, concierge services with the Visa Platinum card include:

• car rental;
• order a taxi at any time of the day;
• booking a table in a restaurant, plane tickets;
• organization of leisure;
• access to private clubs;
• assistance with route planning;
• (currency exchange places, weather forecast, hospital addresses, etc.).

The service is available both at home and abroad. The service is provided by ISOS (International SOS).

Customer support

In emergency cases related to card servicing, the user needs immediate assistance. Where to go if you are a Visa Platinum holder abroad? Premium product privileges allow you to receive assistance regardless of the customer's location. The Visa global support service will be able to take emergency action in the event of loss or theft of plastic.

By calling the toll-free customer service number, the Visa Platinum card holder can:

• organize the reissue and delivery of new “plastic” regardless of the location of the owner;
• block the account;
• agree on emergency cash withdrawal at any time of the day;
• obtain the necessary information.

Access to global support is available to Visa cardholders regardless of their class. However, only owners of premium “plastic” can count on emergency cash withdrawal and urgent reissue.

Travel insurance

What else can a Visa Platinum holder enjoy? The privileges of this payment instrument are not only excellent service, but also a well-thought-out insurance program. The product is aimed at successful people who often travel for leisure or for work purposes. During trips, cancellations or theft of documents, luggage or money, and accidents may occur.

If tickets were purchased using Visa Platinum, the owner and his close relatives receive insurance. It will protect you from any troubles that may arise on the road. This includes costs associated with:

• loss, theft of luggage, documents, money;
• flight delay or cancellation;
• providing legal or medical assistance;
• evacuation;
• repatriation.

Insurance lasts only during the travel period, but not more than 90 days. In addition, the premium card holder has access to the Medical & Legal Referrals program from Visa. Help is provided by ISOS. As part of the services provided, an individual has the right to make an appointment with a doctor, receive advice by telephone, and be evacuated using air ambulance. Specialists will inform you about the location of medical and legal institutions, level of service and prices.

Purchase insurance programs

Visa Platinum holders also have privileges when paying for goods. The cardholder can count on two insurance programs at once. Let's look at them in the table.

Particular attention should be paid to the size equal to $50. Refunds will be made minus this amount. If an insured event occurs, the cardholder will be able to receive from $1,500 to $5,000. More detailed terms and conditions for purchasing insurance can be found on the official website of the payment system in the Visa Platinum information section.

Privileges in Russia

Premium card holders are a special group of clients of any financial institution. For them, the bank creates the most comfortable and favorable terms of use. What exactly does a Visa Platinum holder benefit from? The card has the following privileges:

• increased cashback (from 1.5 to 30%);
• free information services (Internet banking, SMS);
• additional issue of a “platinum” or “gold” card without commissions on preferential terms;
• high withdrawal limit;
• access to VIP areas of various establishments;
• high-quality banking service;
• opening several foreign currency accounts;
• access to bonus programs from the bank (discounts on product categories, bonuses for purchases);
• high credit limit and reduced interest rate.

Of course, each bank has its own individual program for Visa Platinum. Sberbank, for example, serves premium card clients in comfortable office areas without queues, providing a personal manager.

Money transactions

Visa Platinum has much more privileges for withdrawing, crediting or transferring funds than a classic card. Most banks do not have a commission for cashing out premium plastic. The average one-time withdrawal limit is about 500 thousand rubles. For Card to Card transfers, commissions are also minimal or non-existent. You can top up your account using electronic wallets, cash services, and terminals with the “Cash in” function.

Another undoubted advantage of Visa Platinum is the payWave contactless payment technology. Payment by bank card occurs in a matter of seconds and does not require entering a PIN code. A certain limit is established within which contactless transactions are carried out.

Price

The premium package of banking services Visa Platinum opens up a lot of opportunities for the owner and significantly makes life easier during travel and business trips. Annual card maintenance 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 a standard Visa Platinum.

The 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 truly appreciate the privileges of premium plastic. Otherwise, spending on card servicing will bring more losses than benefits.

Bonus program VISA (VISA-Bonus). Where and how to get discounts and bonuses?

The Visa payment system has been operating for several decades and during this time it 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 maximum speed of processing transactions. As an incentive, Visa uses a system of bonuses and discounts for purchases made using 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 increase customer flow and increase turnover. Cardholders prefer to make purchases where they are given discounts or bonuses.

Bonus program from Visa.

This is a system of rewarding customers for purchases using a card issued by the Visa payment system around the world. Visa card holders of any category can use this service.

For non-cash transactions using 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 service of the retail outlet. It is worth noting right away that discounts and bonuses from the Visa IPS are not cumulative with other promotions carried out at the merchant.

How to join the Visa-Bonus bonus program?

To receive bonuses, you should first get yourself a Visa payment system card. Fortunately, the choice of cards by bank is quite large. You can choose the simplest card or a business class status card with all sorts of privileges. When paying with such a card, you need to check with your Visa partner what kind of discount you can get. It happens that store employees do not always understand what they are talking about. You can clarify the terms of the promotion at the Visa hotline 8-800-250-33-02 or on the bank’s website, where an electronic brochure describing current offers is posted.

How to receive bonuses?

The conditions for receiving bonuses can also be found in the above collection. The most common options:

• Pay for purchases with any Visa card and receive bonuses in the form of cash back.
• Receive a retail discount when paying by card. To do this, you just need to say that the purchase will be with a Visa card or register on the company’s website and receive a promotional code to receive a discount.

• Receive points/bonuses, which can then be used at the same outlet. For example, when paying for air tickets, the client was credited with 1000 points, which he can activate in his personal account and spend on purchasing a new ticket, but at a discount.
• Receive additional services, such as free parking, access to concierge service, free gift wrapping, etc.

Car booking services are in particular demand. Thus, the Hertz company provides a discount on car reservations or gives one free day of travel as a bonus. To receive a discount, the Visa cardholder must provide a promotional code and discount number.

Bonus program from MasterCard.

A payment system of similar importance in the world is MasterCard. It, like Visa, operates all over the world and provides cardholders with bonuses and privileges. The program provides for receiving points for purchases, and then exchanging them for gifts and prizes from the MasterCard catalogue. To use bonuses you need to register on the MasterCard website. In their personal account, program participants can earn and exchange bonus points. You cannot receive bonuses in cash equivalent. Bonuses are valid for 3 years and then expire in chronological order.