Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the map will be ready in 2–3 business days; in the regions, production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.

What documents are required to receive a card?

To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program at personal account Sberbank Online and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.

Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.

It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.

How can I use THANK YOU bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners, full list partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the “Thank you from Sberbank. Travel” website). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.

How can I find out my card details?

To find out the details, go to mobile application Sberbank Online find the desired card and click "Show details".

Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.

But it is only gaining momentum and is not yet popular. People choose MasterCard cards for their convenience, security and profitable terms service. MasterCard in Russia is one of the best payment systems. In this article you will learn how it differs from other systems, as well as its advantages and disadvantages.

History of the payment system

The idea of ​​MasterCards dates back to the 1940s, when no cards existed yet. Banks issued securities, which could be used to pay in special warehouses. At their core, these papers were monetary obligation, replacing real money. Nowadays, the essence of the system has changed somewhat, but the basic idea - MasterCard influences the need to carry real money with you - has remained the same.

In 1966, several large US banks created an association called the Interbank Card Association, which marked the beginning of modern maps MasterCard. Since 1968, the system began cooperation with the Eurocard payment system. The company name “MasterCard” appeared only in 1979, and by 1980 more than 55 million cards had been issued.

MasterCard operates all over the world today, but this was not always the case. Until the 1980s, the system was used primarily in the USA. Only after this MasterCard began its expansion around the world. MasterCard cards reached the USSR only in 1988 and created a real sensation, although they were not very popular.

The payment system belongs to MasterCard International Incorporated. The main office is located in New York. On this moment the system has almost 1 million service points and covers all continents of the world and operates in 210 countries. The payment system processes up to 140 million transactions per hour, which allows it to process more than 23 billion transactions annually.

The current management of the company looks boldly into the future. The company regularly holds conferences where it shares its vision of the future. MasterCard is a driving force among all payment systems when considering the issue of introducing new technologies. Even Apple Pay in Russia initially began working with MasterCard cards, and only then with Visa cards. The MasterCard payment system is pursuing a strategy of completely abandoning traditional cards and switching to new technologies. For example, for chips in devices or even for confirming payments using a fingerprint. Agree, you always have your phone with you, and there’s no need to talk about the convenience of fingerprints.

MasterCard in Russia

Russia is fully connected to technology payment system MasterCard. Some banks do not give customers the right to choose a card, automatically issuing MasterCard or Visa cards, but there are no restrictions on the distribution of MasterCard in Russia.

Most Russian banks that work with plastic cards work with MasterCard cards. You can pay by card in most places that accept cards. To do this, just find the following icons on the terminal:

MasterCard's share in Russia accounts for 38.5% of all cards. The main office of the Russian division is located in Moscow in the Legend business center at Tsvetnoy Boulevard, building 2. To contact the company, you can use the official website or call hotline in Russian: 8 800 555‑02-69.

How the payment system works

Cards are used as a tool for quick access to money in the bank. Money can be either your own or borrowed. A card with access to your own money is called a debit card, and a card with borrowed funds is called a credit card. You need to contact one of the banks that works with this payment system if you want to get a card. For example, you can contact VTB Bank, Sberbank, Alfa Bank and other Russian banks.

Types of cards

One of the most popular cards in Russia is MasterCard Standard. Many consider this card to be an entry-level card, but the MasterCard system also has a simpler card - Maestro.

MasterCard Standard is the “starter” among those cards of the MasterCard system that are suitable for daily full use and offer universal capabilities. The card allows you to:

• Pay in all stores where there is a MasterCard logo;
• Pay for purchases online;
• Withdraw money from ATMs around the world;

All these features satisfy the needs of most clients. But there are other cards in the system - of a higher or lower class. The simplest MasterCard card is Maestro. Some people mistakenly attribute it to an independent type of payment system, since they see the MasterCard logo and the Maestro logo separately on ATMs and payment points.

But this initial card is entirely related to the MasterCard payment system. This division was made on purpose, since Maestro cards are different from all other MasterCard cards. These cards are subject to the following restrictions:

• The card does not contain the owner's first and last name;
• Not all payments are supported;
• Does not work at all ATMs;

Why connect such a “defective card”? Using the Sberbank Maestro Momentum card as an example, we will analyze the advantages of initial Maestro cards versus MasterCard Standard cards:

As a rule, MasterCard Maestro cards are ordered by those who do not plan to use their bank card often. These cards can be a convenient way to receive scholarships and withdraw them from an ATM. Often these cards are opened for a bank account just to have convenient, quick access to your money or access to the Internet bank.

For example, thanks to a similar Sberbank card called Maestro Momentum, you don’t have to wait 7-10 days for the card to arrive. You can get a card at a bank branch and start using it on the same day.

There are cards of a higher level, these include MasterCard Gold and MasterCard Platinum cards. These cards have higher limits and additional benefits. As a rule, such cards are characterized by expensive servicing or high requirements for free servicing. Let's look at MasterCard Standard/Gold/Platinum cards using the example of an offer from Alfa Bank. Initial cards (MasterCard Standard) offer their owner the following benefits:

MasterCard Gold cards provide the following benefits:

If you want even more features, then you need a MasterCard Platinum card. It has the following advantages:

You need to determine your card requirements, as well as your capabilities, in order to choose the right card. All three cards support 3D-Secure technology. This technology significantly increases the security of paying for purchases over the Internet. You can order as contactless card(PayPass), and classic, where for any purchase you need to enter a PIN code. Cards with a chip and a magnetic stripe are available for you. The cards differ not only in their capabilities, but also differ significantly in the cost of service:

	Standard	Gold	Platinum
Release date	3-10 days	3-10 days	3-10 days
Issue cost	For free	For free	For free
Service	113 ₽ per month	499 ₽ per month	3000 ₽ per month
Balance per month for free service	From 30,000 ₽	From 300,000 ₽	From 3,000,000 ₽
ATM withdrawal limit per month	300,000 ₽	1,250,000 RUR	5,000,000 ₽
Mobile bank	69 RUR	0 ₽	0 ₽
Internet bank	0 ₽	0 ₽	0 ₽
SMS notification	79 RUR	0 ₽	0 ₽
Transfer via Internet bank	0.3% of the amount (max. 150 ₽)	0 ₽	0 ₽
Currencies	₽ $ €	₽ $ € ₣ £	₽ $ € ₣ £

MasterCard Standard cards include the bare minimum of necessary services. You can purchase missing services, but you will not be able to increase the limits. A similar scheme applies to cards from other banks. Premium card holders can count on personalized service, as well as additional benefits.

Some banks provide the following privileges for high-level cards:

• Free withdrawal, including in another country;
• Currency conversion at a preferential rate;
• Separate telephone support line;
• Personal assistant services;
• Priority Pass airport lounges;

There are other types of cards, for example, MasterCard World or Virtual. Both products are highly specialized. MasterCard World also belongs to the premium segment cards. Their main feature– the cardholder has permanent travel insurance. MasterCard Virtual cards are issued in virtual form.

This is an ideal choice for those who use the card to make online purchases. Plus virtual card also in the speed of its release - just a few clicks of the mouse.

Advantages and disadvantages

You will not feel much difference between MasterCard and Visa cards if you use the card only in Russia. In this case, the difference may be in the terms of service of the card, but this depends on the bank that issued the card. MasterCard is more profitable if you use the card when traveling to countries where euros are used. We talked about the benefits of a MasterCard for travel in this article.

The advantages and disadvantages of the card are added to the features of the bank that issued it. We recommend that you refer to the current terms and conditions of the card. MasterCard is a modern bank card that supports all popular technologies. This includes payments using your phone, for example, through Apple Pay or Samsung Pay.

MasterCard cards have all the disadvantages that are inherent in all bank cards. If your card data is compromised, then you will not be able to do without re-issuing the card. You still need to wait up to 10 days for the bank to issue the card if we're talking about not about instant or virtual cards.

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MasterCard Gold are prestigious premium gold cards that open up a lot of opportunities for their owners. This is excellent service and ease of use, no matter where in the world the owner is located. MasterCard Gold provides holders with many pleasant bonuses in the form of discounts and an increased withdrawal limit Money and high-quality service in restaurants and hotels around the world. Design gold card easy at any bank in the country. Let's consider the conditions for obtaining it and the features of use.

About MasterCard and premium cards

MasterCard is an international payment system that is popular all over the world. There are several types of cards that have their own characteristics and are suitable for specific purposes and users. They differ in the cost of annual service, service package and withdrawal limit. Regardless of what type of card the user chooses, with MasterCard he receives many advantages:

• you can pay for purchases in 210 countries;
• 24/7 support service is always ready to help;
• Ease of use non-cash money in any currency;
• high level of security for storing funds on a card account;
• long service life of the card - from 2 years with further re-issuance if necessary.

Each of the payment systems has a series of gold or platinum cards. In Europe and the USA, their owners are wealthy and successful people, since registration is carried out only with confirmation of income of a sufficient level. Servicing the card really costs a pretty penny, but at the same time, services are provided that will come in handy for a businessman. In Russia, any citizen can apply for a debit MasterCard Gold card. Sometimes they buy this not only for work or travel, but also to emphasize their status. Any premium card is a kind of part of the image of a successful person.

What is so attractive about “gold” credit cards? A Gold type product of any payment system guarantees high quality service and maximum useful services. The user will enjoy pleasant bonuses and discounts, participation in discount programs, an increased limit on withdrawals, free medical insurance V foreign countries. In each bank, the premium card holder will be a privileged client.

Types of plastic cards

There are many payment systems, as well as the products they offer, but the main difference between them is the type of bank card: debit, credit or overdraft. Let's consider each of them separately.

Allows the owner to manage funds stored in a bank account linked to it. Money can be transferred to it by third parties or the holder himself. For example, most organizations transfer salaries to a bank account. The employee issues a debit card, with which he receives payment. The service fee is charged once a year. Its size depends on the type of card and the issuing bank. An adult citizen can apply for a card upon presentation of a passport. In this case, it is possible to link an existing bank account to it or create a new one. The owner can manage the funds on the day of submitting an application to open an account/issuance of a card. And receiving the latter takes about a week or two.

A credit card allows you to use bank funds by borrowing under certain conditions. Only borrowed money can be stored on it. Getting a credit card is a little more difficult than getting a debit card. To do this, it is necessary to confirm the applicant’s solvency by providing relevant certificates (about income, from place of work, about pension contributions). This is very convenient way lending: no need to constantly run to the bank and wait for a contract to be drawn up for a particular purchase. Having issued it once, you can use the funds until the limit expires.

There is also a combined plastic card with an overdraft, which in Russian banking practice is also called a credit card. However, it is debit, but with the ability to use borrowed money. Initially, the user’s money is stored on the card. If the holder does not have enough funds when making a purchase, the missing amount will be automatically withdrawn from the bank account. Overdraft has a limit.

The MasterCard Gold card can be issued in any of the mentioned types. Moreover, the limit on cash withdrawals and the use of loans is much higher for it than for other banking products (Maestro, Standard).

MasterCard Products

To truly appreciate the offers on the MasterCard Gold card, you should familiarize yourself with other products of the payment system. Among them are common:

• Maestro, Electronic - the simplest cards, cheap to maintain (150-300 rubles). At the same time, the owner's name and surname are written, but not embossed on the plastic. This card can be used to make any payments, except for online transactions. They are often intended for beginners.
• Standard is one of the most common MasterCard cards. This is the optimal combination of services provided and cost of service. Available in both debit and credit. Internet payments, a system of bonuses and discounts are provided.
• World is a godsend for avid travelers. Special program service provides an insurance system, bonuses and discounts when paying for various services.
• World Black Edition - provides a special level of comfort. Access to a closed travel club is provided, which will help organize a trip to any country. Concierge service available.

Thus, MasterCard Gold is a cross between standard and high-quality cards.

MasterCard Gold: benefits

With MasterCard Gold, the user receives many privileges. For example, the credit limit can be more than 300,000 rubles. with a grace period (use of the amount without interest) of 50 days. The annual fee has also been reduced interest rate. For gold card holders it is 23%. Monthly payment when repaying a loan credit card Gold will be 5% of the total amount.

Using debit card The holder will also receive pleasant bonuses. Interest is charged for storing funds. It is also worth mentioning that the “gold” MasterCard card has a high degree of protection. It supports the 3D Secure system, which ensures the security of online payments. If the card is lost, it is blocked, and the account holder has the right to receive his funds through the “emergency money” service.

In addition, the “gold” MasterCard card has the following advantages:

• the ability to pay for services and goods around the world;
• cash withdrawal from ATMs of any country in the required currency;
• medical insurance;
• discounts and bonuses when paying for purchases, booking hotels;
• favorable conditions when renting a car.

You can apply for a card at one of the country's banks. The conditions for obtaining and using it may vary slightly.

"Gold" cards of Sberbank

Many citizens trust Sberbank of Russia to store their money. The financial institution, in turn, offers clients participation in bonus programs and discounts, and also provides ease of service. The bank issues gold cards Visa type Gold, Gold MasterCard. Conditions for obtaining: age from 18 to 70 years, presence of a passport and registration. It is possible to open an additional card for a child over 7 years of age.

Sberbank issues MasterCard Gold on the following conditions:

• annual maintenance cost - 3000 rubles;
• daily withdrawal limit - 300,000 rubles, €9,000, $12,000;
• credit limit 15-600 thousand rubles. with an annual rate of 17.9-23%;
• Grace period up to 50 days;
• Card validity - 3 years;
• commission for withdrawals from Sberbank ATMs - 3%, others - 4%;
• fine for loss of card - 3000 rubles.

In addition, the user will receive bonuses and discounts on MasterCard programs+ and “Thank you” from Sberbank. Service amenities include Mobile Bank and Sberbank Online, the ability to pay for housing and communal services and create auto payments, and link to electronic wallets.

"Golden" MasterCard in other banks

In Russia there are a huge number of financial institutions that offer payment cards. Alfa Bank, for example, offers special types insurance and an attractive interest rate on “golden” credit cards - from 17% per annum with a limit of 210,000 rubles.

VTB 24 provides the Gold card holder with a free concierge service, insurance protection for purchases and increased security for storing funds. This bank offers special conditions for credit cards: the rate is no more than 18% per annum with a limit of 600,000 rubles.

Gold cards at Russian Standard Bank

At Russian Standard Bank, in addition to the usual plastic cards of the MasterCard or Visa payment systems, you can also get American Express and Diners Club cards, which are common in the USA, Canada and some European countries. These offers will be of interest to avid travelers and businessmen who often travel abroad.

What does the bank offer to MasterCard Gold users? The card is issued with a contact chip and a magnetic stripe. The holder automatically takes part in the Discount Club program, with which you can receive a bonus of up to 30%. If Sberbank provides concierge services only to gold owners Visa cards, then Gold Standard Bank provides it to all MasterCard holders. With its help, it is easy to organize a trip to any country, and the information service will suggest the nearest food establishments.

The MasterCard Gold credit card in Russian Standard has an increased limit - up to 750,000 rubles. But the annual rate is also slightly higher than in Sberbank - up to 28%.

AmEx Gold

An alternative to the MasterCard gold card is American Express Gold. The payment system is very popular in the USA and European countries. It is increasingly being purchased in Russia and the CIS countries. Citizens aged 25 to 65 can apply for it by providing a passport and an additional document at the discretion of the bank. Annual card maintenance will cost the holder 4,000 rubles.

The user is offered the following package of services:

• travel accident insurance (up to $250,000), covering the cardholder, his wife (husband) and children under 23 years of age;
• opportunity in an emergency to get free consultation lawyer, doctor and other specialists;
• purchase insurance against theft and damage for 90 days ($1,000 reimbursement per incident or $50,000 per year);
• insurance for lost luggage (up to $1000), flight cancellation or delay, and other travel inconveniences (up to $250);
• participation in the Membership Rewards program;
• access to a travel agency that will support the holder around the world;
• benefits when booking a hotel;
• discounts up to 30% and Special offers when making purchases and paying for services;
• free statement of the use of funds for the year;
• 24/7 free service (technical support, Mobile Banking, Internet Banking, SMS notifications.

Credit holder American cards Express is available for up to 55 days and the interest rate starts from 19.9%.

Diners Club premium card

The products of this payment system are created for travel lovers and avid restaurant goers. Diners Club cards (DCI) provide a high level of service. A club member is a welcome guest in all prestigious establishments in the world. The benefits of a DCI card include: low percentage fraudulent activities, no restrictions on a one-time transaction, privileges from the best hotels, cultural and entertainment complexes and food chains, life insurance.

You can withdraw funds from any ATM with the MasterCard Maestro (Cirrus) logo by paying a 3.9% commission (minimum 200 rubles). However, using Diners Club in Russia is inconvenient and expensive: it is easier to purchase a card from the more common payment system Visa or MasterCard. They take it with them on trips with great success, because all prestigious establishments are waiting for the holder with open arms.

With a DCI credit card you can borrow up to RUB 750,000. with an annual rate of 29%. A grace period of 55 days is provided, although it only applies to purchases.

Visa, MasterCard, AmEx or DCI?

Having examined the offers of different payment systems, it is easy to make sure that they are all interesting and beneficial to the user in their own way. In order not to make a bad choice, you should clearly define the purpose of the design. For example, they are perfect for traveling premium cards American Express or Diners Club. They have extended insurance programs and privileges when issuing tickets, visiting hotels, restaurants and entertainment complexes. It is worth considering that it will be more profitable to use them in the dollar currency area.

If you plan to use the card in Russia and the CIS countries, then it is more rational to use the Visa or MasterCard systems, since almost all banks work with them. Finding the required terminal is also not difficult. Gold cards offer services for travelers, including health insurance, booking hotels and air tickets. MasterCard Gold discounts reach up to 30%, and they are complemented by bonuses from the issuing bank.

“Gold” cards of the MasterCard system are an excellent option to get maximum comfort from using non-cash money. The owner will be satisfied advantageous offers, bonus programs and constant discounts. For business and traveling with family, life and health insurance, a convenient hotel and ticket booking service, and preferential treatment in all international establishments are provided. With MasterCard Gold you can not only emphasize your status, but also make life more comfortable both at home and abroad.

MasterCard is one of the most widely known payment systems in the world today. Its ATM network includes more than 900,000 service locations on all seven continents. About 30% of all cards in the world are issued by the MasterCard payment system. MasterCard was founded in the 1940s, when several American banks began giving their customers personally-issued paper that could be used in local warehouses as cash. Franklin National Bank in New York formalized the practice by introducing the first real credit card in 1951. In 1987, MasterCard became the first payment card that was issued in the People's Republic of China. And in the Soviet Union, the first MasterCard card was issued in 1988. Today, MasterCard offices are located all over the world, including France, Canada, Belgium, Australia, Brazil, Dubai, Thailand, Japan, South Africa and India.

The main activity of the corporation is the introduction and promotion of modern technological developments in the standards of plastic cards. Currently, MasterCard is taking active measures to transfer its products to new, safer and high-performance technologies, using chips.

1.MasterCard standard card is the most common card in the whole world. It combines the optimal cost of service, and a wide range of services provided. It can be debit or credit. The card can be used to pay at all trade and service establishments, restaurants and ATMs. By becoming the owner of a MasterCard standard card, you will have a convenient and modern means of payment at your disposal.

The card is accepted worldwide:

1.In all retail outlets and service points (with the MacterCard logo) without restrictions

2. Payment for goods and services in online stores is provided

3cash can be withdrawn from an ATM of any bank around the world

Card users MasterCard standard bonuses and discounts are provided when paying for goods in partner networks. The card has a high degree of security, since it is possible to block the card if it is stolen or lost.

2.MasterCard Maestro

Map MasterCard Maestro is an electronic debit card of the MasterCard payment system. Information about its owner (first and last name) is printed on the card. From the moment the client applies to the bank for the card until it is received, no more than 10 days pass.

It is accepted for payment at any retail outlets that support this card (look for the corresponding logo) without any restrictions, and is used to withdraw cash from ATMs and cash points (cash point). The number of ATMs accepting MasterCard cards is almost 24 thousand. Payment for goods and services on the Internet are not provided. All operations on the card are carried out with mandatory electronic authorization and the mandatory entry of a PIN code. This significantly increases the level of security of the card. The Maestro card is equipped with a chip and a magnetic stripe, or one magnetic stripe.

Maestro card (maestro card) is very popular in Russia. Most salary projects are implemented through it.

The Maestro card is identical to the Elektron card of the VISA payment system

3. mastercard gold card

Mastercard Gold card is a prestigious class card, a symbol of prosperity, status and impeccable financial reputation. The convenience of using the Mastercard Gold card lies in its special status and privileges, which can be used when making payments in retail chains, and it also provides the ability to control the expenditure of funds. Additional functions of servicing such a card make it a safe and reliable keeper of your budget. It provides users with round-the-clock support and opens up new business opportunities.

4. mastercard platinum (mastercard platinum)

MasterCard Platinum– a premium class card of the MasterCard payment system. Holders of this card have even more opportunities and privileges than owners Gold cards or World.Among additional features card holders have the opportunity to join a closed travel club, thanks to which they can organize a trip to anywhere in the world. When paying for purchases in partner networks, gifts and discounts are provided.

5.map mastercard world

mastercard world card is a premium plastic card of the international payment system MasterCard. This card is specially created for those people who love to travel and who are concerned about the safety of their funds, therefore insurance must be included as part of its content. MasterCard World Card is always a physical card (and can never be virtual). The holder's name and card number must be pressed out, otherwise you are guaranteed to have problems with renting a car or hotel room while traveling. With this card you can make payments in any point in the world (of course, where they are accepted for payment). The card provides the opportunity to receive bonuses and discounts in various stores and retail chains in many countries.

6. world map Black Edition MasterCard– designed specifically for those who travel a lot, who simply need comfort and who value the level of service. It is for such people that a combination of unique design, exclusive privileges and offers was created. With this card, you are guaranteed the comfort of flights and moves around the world. An integral part Using the card includes various bonuses and discounts, as well as 24-hour support and some business opportunities. There is also a concierge service on the card. The owner is given access to a closed travel club that will help you organize a trip anywhere in the world.

7. mastercard world elite- a product of the highest class. The card provides great opportunities to use first-class services around the world. The most, one might say, status card. The owner of this card opens up completely new opportunities for recreation, shopping, travel, financial management and business.

Plastic cards are no longer just a payment instrument. There are certain categories of plastic that provide a lot of possibilities for their holder. One of these is MasterCard Gold. These are high-level bank cards designed for wealthy clients; as a rule, they are distinguished by a high limit on spending transactions, as well as bonuses, discounts and other privileges. However, let’s look at all the advantages of the Mastercard Gold card in order.

About the payment system

The MasterCard payment system is known almost all over the world. Over the years it has served more than 20,000 credit institutions. Currently, the payment system offers several types of plastic cards different levels. The choice of card depends on its intended use and sets of additional features. MasterCard Gold cards are premium plastic that can emphasize the high status of its owner and provide him with some advantages:

1. Payment for purchases all over the world.
2. Automatic conversion to any currency.
3. 24/7 customer support via hotline number.
4. High level of funds protection.

But such plastic, which is positive on all sides, is not without its shortcomings. The main one is the high cost of maintenance. In fact, in many countries, including the United States and the European Union, it is simply impossible to obtain Gold plastic, regardless of whether there is a credit limit there or not, the client must first provide a document confirming a high level of income, only then will he receive a gold card card. In Russia, in order to become the owner of a MasterCard gold card, it is not necessary to confirm a high income with the help of documents, since this banking product accessible to absolutely everyone.

Please note, to receive a gold card with credit limit certificate 2 personal income tax is a prerequisite.

But if you pay attention to all the privileges of Mastercard Gold, you can really understand that it is simply necessary for a successful and wealthy person. After all, when traveling, she provides maximum support in the form of discounts and bonuses for paying bills in cafes and restaurants, hotels and airlines. Among other things, gold plastic is business card a rich man, at least, it has always been that way.

Benefits of MasterCard Gold

In fact, the gold Mastercard card has several advantages for its holders. If we are talking about a credit card, then MasterCard Gold has an increased limit, if for a classic credit card maximum amount The loan can reach 100-150 thousand rubles, then the limit on a gold card is up to 700,000 rubles or more. But debit card holders receive another nice bonus in the form of cashback or interest on the balance. True, such privileges are provided not by the payment system, but by the issuing bank. Let's look at the privileges that the card provides:

• maximum customer support abroad;
• receiving cash around the world in any currency;
• free insurance (depending on bank conditions);
• concierge service (provided by the bank);
• premium service to a bank branch and a dedicated telephone line;
• discounts when paying for hotel tickets and cars;
• the opportunity to take part in promotions and bonus programs;
• consultation on legal and medical topics (service provided by the bank).

As you can see, most services for a privileged client are provided directly by a financial institution. Therefore, if you want to get a gold Mastercard card for yourself, then you need to carefully study the market financial services in Russia to choose the most advantageous offer.

Where to apply for a card

The financial services market in Russia is overflowing with various offers. You can get a MasterCard Gold card in almost every commercial bank. After all, it is from the right choice The main advantages of a plastic card will depend. First of all, you need to pay attention to some important details:

1. Annual maintenance cost. Many banks (for example, Russian Standard, Alfa Bank) do not charge a fee when storing a certain amount of funds in an account; such an offer will be beneficial for you if you plan to actively use plastic.
2. Credit limit and limits on expense transactions and cash withdrawals.
3. Possibility to use additional services bank in the form of a personal manager, premium service at the bank office, with a separate telephone line.
4. Free insurance program when traveling outside your country.
5. Bonus programs.

Thus, the choice of plastic cards depends on many circumstances, including banking services for example, Sberbank offers a gold card costing from 3,000 rubles with a credit limit of up to 600,000 rubles. Among other things, Sberbank clients have the opportunity to take part in bonus program Thank you. Of all the privileges, the bank only offers emergency cash withdrawal if the card is lost abroad. Russian Standard banks offer a wide selection of plastic cards, Tinkoff Bank, Alfa Bank and others.

To summarize, a gold plastic card code for the MasterCard payment system is a convenient, safe and profitable plastic card for wealthy clients. It should be noted that it will be more useful for those who often travel abroad, because the main privileges and bonuses are designed specifically for travelers. In other options, it makes more sense to use classic plastic, which also meets all safety requirements, but costs much less.