Benefits of a Visa Signature credit card from Sberbank. Visa Signature and World MasterCard Black Edition premium cards from Sberbank Visa signature debit cards privileges

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

Such plastic opens up additional possibilities.

Who is this product for? For everyone who pays by card monthly from 3600 rubles in supermarkets and the same amount at gas stations.

Cashback from the indicated amounts fully covers the cost of annual maintenance. Anything over that is a net profit.

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

Map class description

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 side of the bank, the differences in servicing Platinum and Signature / Black Edition are minimal. The fundamental difference is that platinum cards belong to debit cards, while the latter belong to credit cards.

However, payment systems offer holders of such credit cards a number of additional features comparable to the elite level:

	Platinum	Signature/Black Edition	Infinite/World Elite
Cost of annual maintenance, rub.	4900		30000 / 70000
Cash withdrawal limits	daily, monthly		The only limitation is 30 million rubles. per month.
Operations commissions	Charged		Tariffs are practically non-existent.
A package of services within which plastic is issued free of charge	Premier		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 rubles.	For free
Increased cashback	Always		With card expenses over 150 thousand rubles. in the previous month
gas station, taxi	10%		-
Cafes and restaurants	5%		10%
Supermarkets	1,5%		5%
Privileges for travelers	Discounts at airports (baggage packing, car rental, etc.)	In addition to the benefits of a platinum card, MasterCard provides access to airport business lounges (not available everywhere); on the part of Visa - extended insurance for those traveling abroad.
concierge service	Not included	Visa has

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

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

The difference between the two products in everyday life is not very noticeable, but it is there. Especially noticeable when traveling.

Visa Signature

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

• round-the-clock technical support in all countries, including emergency production and delivery of plastic in case of loss or damage;
• medical care, information support abroad;
• doubling the warranty period for goods purchased under the Visa, provided that they cost more than 50 US dollars and have a manufacturer's warranty of 1 year;
• extended risk insurance when traveling abroad;
• round-the-clock concierge, who, at the request of the client, books tickets, tables in restaurants and other services;
• free admission to cultural events, the entrance to which is available only to holders of award visas;
• discounts and other privileges on goods and services of numerous Visa partners, including shops, entertainment venues, hotels, transport services.

The Visa Signature card of Sberbank is especially popular with travelers because of its insurance. The 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 of Sberbank:

Name	Signature Aeroflot		Signature
	Debit	Credit
Maintenance cost per year, rub.	12000		4900
Additional Visa, rub./year	2500	Not issued
Currency	Ruble, US dollar, euro	Ruble
Daily cash withdrawal limit, rub.	500 thousand	300 thousand
Cashback	Only miles that are spent at special internal rates for goods and services of Aeroflot and its partners.		"Thank you", the exchange rate of which is equal to the ruble, is accepted by partners of Sberbank

Co-branded cards offer holders the following services:

• cashless payment;
• cash withdrawal from an ATM (from a credit card with a commission);
• Visa privileges (medical assistance, insurance abroad, concierge, partner discounts, double guarantee, creative weekends);
• favorable accrual of cashback by the carrier.

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

An example for clarity:

A one-way ticket Moscow - Vienna, when purchased 2 weeks in advance, costs 12,500 miles, fees of approximately 3,800 rubles are additionally paid. The same ticket when paid in cash costs 13103 rubles. 437 miles will be credited for the purchase (13103/60*2=436.77). If a passenger pays the same amount with a non-co-branded premium card connected to Thank you bonuses, he will receive 0.5% cashback = 65.5 rubles. for the same ticket.

There is no conversion rate for miles into rubles, but the example is clear, and conclusions can be drawn from it:

• the ticket price minus fees is approximately 9300 rubles. (13103-3800=9303);
• 1 ruble corresponds to less than 1.5 miles (12500/9300=1.34);
• mileage bonuses are significantly higher than Thank you points (437 miles / 1.34 miles = 326 rubles, which is almost 5 times more than 65.5 rubles that would have been awarded under the Thank you program).

Aeroflot cashback is highly attractive for regular passengers. At the same time, it has specific liquidity; it can only be spent on goods and services closely related to air travel and tourism. There are some restrictions, for example, for round-trip flights.

MasterCard World Black Edition

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

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

Debit

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

• Visa Signature Aeroflot - maintenance of 12 thousand rubles annually;

Favorable cashback for frequent flyers;
- unjustified costs for rarely traveling;

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

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

• Infinite Visa and MC WorldElite - a fee of 30 or 70 thousand every year;

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

Credit

Black credit cards in Sberbank are issued on an individual offer for existing customers with a positive history, as well as on a mass basis - for those who apply for the first time.

The main difference concerns the size of the interest rate on the loan. For a pre-approved card, it is 21.9% per annum, on a general basis - 25.9%.

The credit limit is considered individually, the maximum amount is 3 million rubles. However, ceteris paribus, current customers receive an offer with a higher amount.

Conditions

Let's summarize the above:

• service 4900 rubles per year;
• validity period 3 years;
• credit limit within 3 million rubles;
• loan rate of 21.9% for a pre-approved offer, 25.9% for a bulk offer;
• forfeit 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 high-end products.

Maintenance cost

With self-design, the product costs 4900 rubles per year. The card is provided free of charge as part of the Premier package. In this case, she retains all the conditions except for receiving increased bonuses Thank you. They are accrued only when making paid transactions in the previous month in the amount of 80 thousand rubles. If the amount has not been reached, the amount of points corresponds to the offer for standard plastic.

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

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

The service package has a cost:

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

Cash withdrawal limit

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

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

To withdraw cash from a credit card, you must 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 taxis Yandex, Gett - 10%;
• in a cafe - 5%;
• in supermarkets - 1.5%.

In addition, stores participating in the Thank You program accrue up to 30% bonuses. For any purchases, cashback is not less than 0.5%.

Payment systems have their own partners.

1. Visa offers discounts and privileges for travelers: hotels, outlets, tourist trips.
2. MasterCard holders save money in cinemas, shops, cafes. And also the system allows you to connect a profitable cashback, which is exchanged for certificates of popular chain stores.

The lists of partners and promotions change frequently. Check out the latest information on the websites of the bank and payment systems.

How to get

Clients with incomes significantly above average and a positive history in Sberbank receive a pre-approved offer at the initiative of the bank. Informing occurs through a personal online account, SMS or when visiting a bank.

To receive plastic, consent is required, which can be expressed through a click in the Internet bank, a response SMS, a personal visit. It will be possible to pick up the finished plastic on the appointed day by presenting a passport.

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

The bank will inform you via SMS about the issue decision. If it is positive, you will be informed of the estimated date of receipt. Later, you will receive an SMS notification of readiness for issuance.

Pros and cons of the card

The undeniable 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.

The disadvantages include points related to cost:

• 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 1,000 rubles a week on gasoline. The product can be called an economical version of elite products. The holder has access to the privileges of Visa Infinity and World Elite MasterCard at the price of platinum cards.

Sberbank of Russia offers the widest range of plastic cards for its customers. What does wealthy clients have to do with premium service? In 2017, the largest bank in our country included a Visa Signature plastic card with a credit limit in its product line. The product is available to wealthy clients and offers an extended range of additional features for them.

Of course, the bank does not set a minimum income for credit card holders, at least in terms of requirements for customers it is not limited. But still, given the high cost of annual maintenance, such a loan product would be appropriate only for solvent customers. However, in order to understand what the Sberbank Visa Signature credit card is, you should consider the banking offer in more detail. This will be discussed in this article.

Varieties of Visa Signature cards

Premium cards from Sberbank are able to satisfy the financial requirements of even the most sophisticated customers. After all, it is worth saying that it is these cards that have the maximum set of privileges and additional features. The main advantage of the card is that it gives its holder the opportunity to receive a cashback of up to 10%. In this case, the set of additional features will directly depend on the type of premium card. Currently, the Bank offers three types of premium plastic with a credit limit, namely:

• Visa Signature;
• Visa Signature Aeroflot;
• World MasterCard Black Edition.

In order for the client to be able to choose a credit card, we present a table with a comparative description of each product presented by the bank.

Name of plastic	Credit limit	Annual percentage	Service cost, in rubles	Bonuses and privileges	Cash withdrawal
Visa Signature		From 21.9%	4900	10% when paying for fuel at taxi gas stations (Yandex and Gett); 5% in cafes and restaurants; 1.5% in supermarkets; 0.5% other purchases
Visa Signature Aeroflot	600 thousand rubles / 3 million rubles on a personal offer	From 21.9%	12000	2 miles for every 60 rubles spent within the Aeroflot Bonus program	From 3.9%, but not less than 390 rubles
World MasterCard Black Edition	600 thousand rubles / 3 million rubles on a personal offer	From 21.9%	4900/ 50% discount until 10/31/2018	20% when paying for fuel at taxi gas stations (Yandex and Gett); 10% in cafes and restaurants; 3% in supermarkets; 0.5% other purchases	0% until 31.10.2018

Card features: customer reward programs

From the comparative table, we can conclude that each premium card is individual in the sense that it brings various benefits to its client in the form of cashback and bonuses. But, nevertheless, all cards of this level combine some advantages for their holder, namely:

• personal manager;
• a separate telephone line Sberbank Premier;
• the opportunity to use the travel package;
• free SMS banking.

As for Aeroflot's co-branded Visa Signature card, it makes it possible to receive free miles for purchases with a bank card. In the future, bonuses can be exchanged for free flights, hotels, and vehicle rentals. In order to become participants in the program, you need to get a card from Sberbank, then register on the official Aeroflot Bonus portal. After creating a personal account, all information about the points received will be displayed on the official website of Aeroflot. You can also redeem bonus miles for real goods or spend them on charity within the Give a Life program.

Visa and Mastercard cards also have various privileges for their holders. As can be seen from the table, each of them provides an opportunity to receive bonuses in the form of cashback for purchases. The size of the bonus will directly depend on the type of plastic card, but still, privileged cards in Sberbank, among other things, allow you to connect a traveler package from the Visa PS, what is it:

• 12% discount on hotel payments when booking rooms on the Agoda website;
• 8% hotel discount when booking a room on Hotels.com;
• 20% discount on taxi fare to the Airport through Wheely or Gett aggregators;
• free unlimited internet abroad from mobile operators Megafon, MTS, Tele2 and Beeline for 14 days;
• 35% discount on car rental through Avis;
• cash compensation up to 600 euros in case of flight delay or cancellation through Compensair.

Please note that the client must first activate the services on his own, for this he should send an SMS request to the Mobile Bank number, which must be connected to the card with the word "Thank you XXXX". By the way, a full package of credit card services is provided free of charge.

Base rates

The bank loan rate for premium credit cards starts at 21.9% per year, as already indicated in the table. But this rate is valid only for customers who have issued a credit card as part of a personal offer, for them the credit limit is increased to 3 million rubles. Under general conditions, the base rate increases to 25.9%. By the way, for each borrower, the maximum amount of the credit limit will be set personally after an analysis of his creditworthiness, which is carried out on the basis of the submitted income documents.

In addition, the bank allows each client to use credit funds free of charge, that is, to pay the debt before the end of the grace period. For all credit cards in Sberbank, there is a single term for 50 days. During the specified period, the interest rate on the loan is 0%. If there is no financial opportunity to pay the debt, then you can pay it off with minimal payments, that is, 5% of the total debt. By the way, if the payment is delayed, there is a fine of 36% per annum for each day of delay from the amount of the debt.

Terms of Service

It is worth noting that favorable conditions apply for premium credit cards. The annual service fee is 4900 rubles per year, it is debited from the credit card account at a time. By the way, a grace period does not apply to such an operation, therefore, after activating the plastic, you should replenish your account as soon as possible in order to avoid a high overpayment. The validity period of the plastic is 3 years.

Advantages and disadvantages of premium cards

Premium cards have appeared among Sberbank products relatively recently, so most users have not been able to fully appreciate all its features. However, based on the terms of service and the opinions of customers, it is possible to compile a list of the main advantages of plastic, these include:

• preferential rate on the loan;
• high credit limit;
• increased cashback when paying for goods with a card;
• free premium bank service with the help of a personal manager;
• advantageous offers for travelers and free insurance coverage;
• the opportunity to get a Priority Pass card for privileged boarding at airports;
• high degree of financial security thanks to 3D-Scure technology;;
• one-touch payment using PayPas and PayWave technologies for MasterCard and Visa, respectively;
• free SMS alert service;
• increased bonuses Thank you;
• the opportunity to participate in the program for travelers from the Visa payment system.

And this is probably not the whole list of benefits of a premium card. Especially all the advantages are tangible for the wealthiest clients, whose income exceeds the average. But, unfortunately, the banking product is not without its drawbacks. These include:

• the grace period does not apply to cash withdrawal operations;
• high commission for annual service;
• The service fee is deducted immediately after the activation of the plastic.

How to get a card

Premium cards are mainly in demand not just among wealthy clients, but those who often travel outside our country, because they receive not just a card, but a whole package of services for the traveler. But, nevertheless, the bank does not limit the desire of each client to receive a premium credit card, regardless of income level, but at the same time, not everyone succeeds in passing a rigorous selection.

There are several ways to apply for the release of plastic. If the client has previously used the services of a credit institution, and has plastic, and, accordingly, uses an online service, he can apply online. To do this, you can find the current offer on the official website or do it in your account.

Please note that if you do not use the services of Sberbank and do not have a personal account in the bank's Internet system, you can also apply, but only at any branch of a credit institution.

The bank has a number of requirements for the client:

• age ranging from 21 to 65 years;
• experience from 6 months in the last place, 1 year general experience;
• permanent registration in Russia and the presence of a civil passport.

There are no minimum income requirements, but it should be understood that the minimum credit limit on the card is 300,000 rubles, so the client’s salary should be quite enough to serve him.

As for the list of documents, it can vary significantly for each client. You will definitely need a passport to identify the person and check his credit file. For the most part, a salary certificate and a document confirming employment are also required. But if the borrower is a payroll client or receives a pre-approved decision, then often no certificates are required.

Please note that a preliminary and pre-approved decision is not a guarantee of receiving a picture with a credit limit, because the bank makes the final decision only after checking all the documents of the borrower and his credit history.

How to repay a loan

Paying off a credit card debt is quite simple, you just need to replenish its account in a way convenient for you. Sberbank offers several ways to repay a loan - these are transfers from other cards of a client of Sberbank or other credit organizations, through ATMs with a cash acceptance function or terminals of a credit organization. Among other things, you can transfer funds through the remote service Mobile Bank and Sberbank online. Usually, finding out the amount of debt is also not difficult, it is displayed in the personal account of Sberbank online, you can get information at the bank or by calling the hotline number.

conclusions

Sberbank premium cards are profitable products only for wealthy clients. At the same time, each borrower has a choice of products from the Sberbank line, here it is possible to get a high credit limit, a full package of privileges, and plus not pay interest if you use the grace period correctly.

Sberbank, justifying its status as the largest and most reliable bank in Russia, annually makes new offers to its customers, expanding its loan portfolio and raising the level of customer service. Some time ago, the range of financial products was supplemented by multifunctional Premium class credit cards.

This loan product is intended for a special contingent of the bank - people with high incomes. The Sberbank Visa Signature credit card differs from other plastics not only in the increased number of options and privileges, but also in the cost of maintenance.

Visa Signature credit card is designed for people who spend a lot of time traveling

Types of Visa Signature credit cards

When developing a new lending program, the bank's main attention was directed to expanding the number of bonuses and the loan limit. When using this premium loan product, the client receives up to 10% cashback. As well as a number of significant benefits.

According to experts, the Signature credit card is the most convenient for using it when traveling abroad. If a tour is paid with this credit card, then its owner receives automatic life insurance.

The use of premium class credit cards entitles their holder to receive the status of a VIP-person. That allows you to get many privileges, as well as become the owner of five foreign currency accounts at once (for comparison, a Visa Platinum credit card has only 3 accounts). The Premium class lending program is focused on the use of two loan products:

1. Visa Signature (Aeroflot).
2. World MasterCard Black Edition.

Premium cards are presented in two variations

Their comparative characteristics are presented in the following table:

Annual rate (%)	Annual service (in rubles)	grace period	Loan limit (rub.)	Cash withdrawal fee	Penalty for late payment
Visa Signature (Aeroflot)
21,9	12 000	50 days	300 000–3 000 000	3% (terminals of Sberbank); 4% (other banks); not less than 390 rubles.	36%
World MasterCard Black Edition
21,9–25,9	4 900	50 days	600,000 (mass offers); 3,000,000 (individual)	3% (Sberbank); 4% (third-party banking structures); minimum 390 rubles	36%

Premium credit cards do not change the set annual service fee for the entire validity period (it is 3 years).

Premium Credit Card Privileges

A premium class credit card is distinguished by an extended range of services. In particular, at the service of its owner:

• personal consultant-manager;
• free 24/7 support line;
• a number of additional privileges (medical insurance, insurance when leaving the Russian Federation, concierge services, large discounts from Sberbank partners).

Visa Signature credit card immediately after activation gives 1,000 miles (premium bonuses). Subsequently, with each non-cash payment, 2 miles are credited to the owner's account, equivalent to 60 rubles spent. The received cashbacks are allowed to be spent on the purchase of air tickets.

Premium credit card (Visa Signature) guarantees compensation for flight cancellation/delay (up to 600 euros).

It is also possible to get a 20% discount on fares to and from the airport. The personal account of Sberbank-Online for premium credit card holders has been expanded with the Mobile Bank and Auto Payment functions. All owners of such plastic automatically become members of the Visa World of Privilege bonus program, gaining access to large discounts and using various privileged offers.

Premium cards help you get twice as much cashback Thank you

Interest rates

The initial limit for a Signature credit card is 300,000 rubles, but it can be increased to 3 million (with personal offers from Sberbank). The level of the loan depends on the income of the future borrower, and some other factors are taken into account. During the Grace Period, the consumer can freely use the loan funds without accruing interest on them.

According to the terms of the loan, unlimited replenishment of the credit card is allowed. After the expiration of the grace period, interest begins to accrue (it is equal to 21.9% per annum). But on the personal money of the borrower, put on the card, interest does not accrue.

Terms of Use

Maintenance of a credit card will cost the owner 12,000 rubles annually. But it is worth remembering that Sberbank created this loan product based on the requests and needs of a person who spends a lot of time traveling. It is for this category of borrowers that the Signature credit card becomes profitable and useful.

Advantages and disadvantages of the Premium Card

This product from the credit line is still quite “fresh”, and few people have managed to study its features in full. You can outline the following nuances that make the Visa Signature card profitable and attractive:

• rather low annual rate;
• electronic payment service (PayPas and Visa PayWave);
• automatic insurance of funds, valid in any country;
• increased loan limit (compared to other loan offers);
• increased security guarantee provided by 3D-Scure technology;
• a built-in privileged service that entitles you to many bonuses and benefits;
• large discounts for non-cash payments in shops, hotels, restaurants and airports;
• Priority Pass service (an international program that allows its participants to gain access to the VIP lounges of major international airports).

The Visa Signature credit line becomes the most profitable for Sberbank clients with an average monthly income of 150,000 rubles or more.

With the help of a remote service, you can make a preliminary application for a premium card

Based on the reviews of people who already use this credit plastic, you can make a list of some of its disadvantages. In particular:

• quite expensive service;
• too high percentage for late obligatory payment;
• the card is received directly at the Sberbank office;
• after the activation of the account (even if the credit card is not used), the annual service fee is immediately charged.

How to get a premium credit card

Few manage to become the owner of such plastic. It can also be issued by those Sber clients who, in addition to a good income, are owners of active debit or salary cards. But in any case, this offer will be of interest to those people who spend a lot of time traveling. To get a credit card, you will have to visit the bank office directly. But a preliminary application is also allowed to be created on the Sberbank-Online service.

Signing a service agreement and receiving a Visa Signature credit card will have to visit the office of Sberbank.

To become a Premium card holder, the client must meet the following conditions:

1. Have Russian citizenship.
2. Be registered in the territory of the Russian Federation.
3. Be between the ages of 21 and 65.
4. The length of service at the last place of service must be from one year.

Sberbank can also make individual offers for the design and receipt of this credit plastic. Information is sent to future borrowers via SMS. The client can also be notified by phone call or through a formal letter.

Repayment methods

Under the current lending conditions, the Visa Signature Premium Class card has a monthly payment of 5% of the outstanding amount and the payment of accrued interest. Payment can be made by transferring funds from other cards/accounts using bank terminals. The most convenient is the use of Mobile Banking or the remote service "Sberbank-Online".

conclusions

The Premium level loan program is currently the most attractive and profitable offer of Sberbank. Experts refer to this plastic as the most economical version of credit products belonging to the elite layer. Numerous privileges, bonuses and benefits make the Visa Signature credit card an indispensable assistant for people who are used to traveling a lot and for a long time.

Banking products are being improved every year, offering customers more service options. The largest financial institution in the country has significantly expanded the range of plastic products, adding new premium offers to the collection.Credit card Visa Signature Sberbank- a high-class product that allows the owner to earn bonuses and discounts, open up new opportunities. This product has features and puts forward a number of requirements for a potential holder.

Sberbank has developed a new type of premium card, which supplemented this type of Visa Signature product in cooperation with Aeroflot. The innovations affected the increased cashback, increased to ten percent, depending on the category of purchases and the credit limit. Those who like to travel abroad are particularly benefited; it was for them that the production was oriented.

Sberbank Visa Signature credit card is opened in Russian rubles. The validity period of the plastic is three years. The banking product is issued with support for contactless payment. Status cards are characterized by:

• the presence of a personal manager;
• concierge service available at any time of the day;
• customer support abroad;
• round-the-clock access to the free line of the Sberbank Premier contact center;
• a wide range of service points.

A credit card is issued to an existing Sberbank client on a personal offer from a bank with a reduced interest rate of 21.9%. If a potential owner of plastic applies to a credit institution for plastic for the first time, then upon approval, he is offered a credit card rate of 25.9%.

Terms of Use

The Visa Signature card is issued for three years, but gives the user many privileges. Reissue of the product will be free of charge at the end of the period of use. First of all, this is the VIP status of the owner. It is possible for a credit card holder to open five accounts at the same time in different currencies.

The Visa Signature credit card includes a grace period of up to fifty days. The rate on the loan is from 21.9 to 25.9%. The client is threatened with 36% per annum as a penalty if the main debt is not repaid in the grace period.

Cash withdrawals through Sberbank self-service devices include a commission of three percent. If you withdraw money through ATMs, terminals of third-party banks, then the fee will be four percent. In both cases, they charge at least 390 rubles.

Annual maintenance price

The status of a plastic product of Sberbank, the presence of increased bonuses, additional discounts require an increased fee. Premium card Visa Signatures Aeroflot is serviced for a fee. The price of the annual service is twelve thousand rubles.The cost of maintenance remains constant for the entire three-year period of use of the product..

Set limits

The Sberbank Visa Signature credit card allows the holder to use the bank's borrowed funds. The loan amount starts from three hundred thousand Russian rubles. Further, the size of the available loan may increase to three million according to the personal offer of the bank.

The size of the loan is primarily influenced by the official income of the user. The cash withdrawal limit is set equally for all customers:

• one hundred thousand can be withdrawn in one day;
• through the cash desk of Sberbank, a maximum of three hundred thousand will be issued;
• self-service devices, branches of third-party banking organizations will be able to provide three hundred thousand rubles per day.

In addition to cash withdrawals, the credit and financial structure sets limits on replenishing the card. Up to ten million can be transferred to plastic per day.

Discounts, bonuses with Visa Signature card

The release of this product involves connection to the "Thank you" program. You can activate the accumulation of bonuses after sending an SMS to number 900, activate the service through the personal account of the Sberbank Online service, use self-service devices.

The premium card offers the holder to collect more bonuses in the following categories:

• gas stations, Gett taxi - ten;
• restaurants, cafes - five;
• supermarkets - one and a half percent.

Sber partners allow Visa Signature holders to save up to thirty percent of the purchase amount. The remaining expenses will be returned in the form of half a percent.

After registering in the program, the client receives a thousand welcome miles. For every sixty rubles spent, the holder of premium products is credited with two miles. The plastic owner can spend them on three types of services:

• purchase of free air tickets - booking no later than six hours before the flight, without the right to return;
• upgrade the class of service;
• discounts on a range of products of partner organizations.

When a flight is delayed or cancelled, the Signature Visa holder receives compensation up to 600 euros. Accumulated miles will be canceled if the cardholder does not purchase tickets for Aeroflot flights within two years. By purchasing goods through partner stores, you can pay up to 99% of the price tag of the goods. The list of partner organizations is constantly updated.

Getting a card

You should know that the operation of the Visa Signature card is beneficial primarily to people with a high level of income. The annual service pays off only if the amount of the client's cash receipts is more than 150,000 rubles. monthly.A credit card is obtained in two ways: preliminary approval of the bank, filing an application.

The first option is suitable for regular, proven users of Sberbank products. This category of citizens can receive a personal offer with a minimum interest rate, an increased credit limit.

The second option involves filling out an application through a personal visit to the bank's office or online through the institution's website. After completing the application form, the applicant is required to wait for consideration and approval. If the outcome is positive, the potential owner of the premium card will be contacted by Sberbank employees. You will need to receive the card in person at the established branch of the financial institution.

To obtain a Signature Visa from Sberbank, you must meet a number of requirements:

• age from 21 to 65 years;
• permanent residence on the territory of the Russian Federation;
• Russian citizenship;
• work experience at the current place of employment - six months, the total for the last five years should be at least 1 year.

If the client submits an application on his own, does not receive wages for Sber products, then additional documentation will be required:

• certificate of income format 2-NDFL;
• a copy of the work book or employment agreement;
• certificate of state registration as an individual entrepreneur.

Loan repayment options

Sberbank's premium products do not provide for a regulated minimum payment amount. The loan money must be paid before the expiration of the grace period. The main ways to repay the loan: transfer funds from another plastic account, use ATMs, Mobile Banking, online service.

Card Management

To manage the Visa Signatures card, it is recommended to connect the Mobile Banking and Sberbank Online services. For round-the-clock convenience, regardless of the location, it is more convenient to install an application for smartphones. The user of premium products will be able to find out the balance of a credit card at any time, transfer money, use the accumulated bonuses.

Pros and cons of Visa Signature

At the moment, Sberbank offers the Aeroflot Visa Signatures version, which is beneficial primarily to active traveling citizens with high incomes. A new type of product has been released only since 2019, there are not enough reviews yet. Drawbacks of the card include:

• high annual maintenance fee;
• issuance of an additional card is not provided;
• high interest rate for arrears;
• low percentage of potential owners.

The advantages of using a premium product are available to citizens with incomes of 150,000.

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The benefits of Visa Signatures are complemented by the following positions:

• high level of security;
• low interest rate on a loan;
• the ability to use up to three million bank rubles;
• free insurance of funds, relevant when you are anywhere in the world;
• Priority Pass service;
• increased bonuses for certain categories of goods and services.

Conclusion

Premium products, produced by the country's largest financial institution, favorably emphasize the status of the owner. The cardholder earns up to ten percent of the amount of purchases at gas stations, taxis, five - restaurants, one and a half - supermarkets. In addition to additional points, the plastic owner receives service privileges available around the clock.

Sberbank is reaching a new level of customer service quality. Since 2017, the issue of premium debit and credit cards has begun. The products include quite a lot of options, however, and the cost of maintenance is increased compared to standard offerings. Premium cards are aimed at the upper middle income category of the population.

Debit premium cards

Sberbank premium debit cards are provided to bank customers who have a deposit or a salary project. However, any client can apply for registration on the bank's website. In addition to enhanced security features, the availability of additional insurance services and support for contactless payments, the programs provide for a variety of discounts for servicing in organizations that are the bank's partners.

Mir premium debit cards

The Mir card premium from Sberbank has been issued relatively recently, previously only offers for pensioners and the classic version were available to borrowers. The product can be issued for public sector employees as part of a salary agreement. The card of the international payment system is valid for 5 years. According to the "Thank you" program, increased bonuses are awarded (10% of spending). Replenishment of the account is carried out without commissions, the amount of daily operations for cashing out can be up to 300,000 rubles per day. The maintenance fee is 150 rubles per year.

Sberbank Premier premium cards

Sberbank Premier premium platinum cards are a type of debit account. You can draw up an agreement by personally contacting the bank at the age of 18 years. The cost of annual maintenance is 4900 rubles per year. The validity period of the plastic is 3 years.
As part of the package, the client can issue up to 5 premium debit cards Visa Platinum Premier and World MasterCard Black Edition Premier free of charge for himself and loved ones.

Credit cards Visa Signature and World MasterCard Black Edition

Under the Visa Signature and MasterCard World Black Edition programs, Sberbank focuses on the presence of large bonuses, within which up to 10% of the purchase amount is returned. The product assumes an increased credit limit. A credit card is convenient for use when traveling abroad.

The Sberbank premium card provides the following types of services:

• a personal manager is allocated;
• free consulting support line "Sberbank Premier";
• a large network of premium service points (more than 200 points in Moscow alone).

Sberbank's premium mastercard black edition card does not provide for the issuance of additional cards. This service is also not available for the Visa Signature product.

Terms of use and interest

World MasterCard Black Edition allows you to earn miles for buying air tickets (2 miles for every 60 rubles). Upon activation of the account, the client is provided with 1000 miles as a gift. In the future, these bonuses can be exchanged for tickets and flights with Aeroflot and SkyTeam. In addition, compensation of up to 600 euros for delayed or canceled flights with Compensair is provided, as well as 20% discount on transfers to and from the airport with Gett and Wheely and free luggage wrapping.
The premium calculator, Autopayment services and SMS banking will be available in the client's personal account. Borrowers automatically participate in the Visa World of Privilege program, under which there are many discounts and special offers.

Name	Service fee	Bid	Grace period	Penalty for delay	Credit limit	Cash out fee
World MasterCard Black Edition	4900 rubles per year of use	From 21.9 to 25.9% per annum	Up to 50 days	36% per annum	Up to 600,000 as part of a mass offer and up to 3,000,000 rubles for special offers	3% within the bank and partners and 4% in third-party organizations, minimum 390 rubles
Visa Signature (Aeroflot)	12 000 rubles per year	21.9% per annum	Up to 50 days	36% per annum	From 300,000 to 3,000,000 rubles	Similar to the conditions above

Sberbank premium card, the cost of service does not change throughout its entire validity period. The account will be active for 3 years.

Advantages and disadvantages

Since this type of product was introduced not so long ago, users have not yet managed to assess how favorable the conditions are. These credit cards are more suitable for users whose monthly cash flow exceeds 150,000 rubles. It is most beneficial to use a non-cash payment method, since reward points are awarded for this.
Premium class cards provide the following benefits to customers:

1. Protection and safety, 3D Secure technology is involved.
2. Low interest rate.
3. Increased credit limit in comparison with the classic conditions.
4. Insurance of funds when traveling abroad, the territory of action is the whole world.
5. Availability of additional insurance programs (purchase protection, extended warranty).
6. Many discounts, promotions and privileges when shopping in stores, restaurants, hotels, airports.
7. Support for Visa PayWave and PayPass contactless payments.
8. Connection "Priority Pass".
9. Account management using the Mobile Bank and Sberbank Online @ yn applications.
10. Cash withdrawal in Russia and in affiliated banks abroad on the same terms.

We can immediately say that only with active use, the client will be able to appreciate all the advantages of the card. If you do not withdraw funds, but the account has been activated, the service fee will still be charged.
Among the shortcomings are:

• no additional cards;
• collection only at a bank branch;
• expensive annual maintenance (commission);
• high penalties for missed payments;
• Not all customers have this offer.

Only “selected” clients can get premium plastic, for example, those who have a salary project or a deposit in Sberbank. In general, these conditions may be of interest to both individuals and businessmen who actively make cashless payments and make frequent flights abroad.

How to apply?

The contract is concluded according to the application of the client. On the bank's website, you can apply online. In this case, the borrower must have access to the client's personal account or go through a simple registration in the system.


The conclusion of the transaction is carried out only with the personal presence of the client in the branch. You can activate the account already on the day the plastic is handed over.
A Sberbank premium credit card is provided if the borrower meets the following requirements:

1. Citizenship - Russian Federation.
2. Age - from 21 to 65 years.
3. Presence of registration in the territory of the Russian Federation;
4. Work experience at the last place of work must be at least 1 year continuously (for the last 5 years) and at least 6 months of continuous work experience.

Visa Signature Aeroflot is provided exclusively at the personal offer of the bank. This may be an SMS informing, a written notification or a personal call from a bank employee.

Repayment terms

The Sberbank premium visa card is also convenient to use because there is no requirement for a minimum payment amount. However, the credit limit also applies only to non-cash transactions. You should also remember that the money must be paid before the end of the payment period (it is 1 month). You can deposit funds from another cash account, through ATMs and terminals, or using a mobile bank.