When issuing premium type cards, the client has the right to count on discounts in stores with a Sberbank gold card and special offers provided by Visa and MasterCard systems in partner stores.

The presence of such a product indicates an increased status of the client.

ACTION: when applying for Visa, Mastercard or MIR debit gold cards from 10/01/2018 to 12/31/2018, bank customers receive a 50% discount for the first year of service, i.е. for the first year of use they will have to pay only 1,500 rubles.

Cards of the Gold series are presented in subgroups of debit and credit, and from various payment systems of the international format.

Conditions for a Sberbank gold card

Additional opportunities provided by the Sberbank gold card: discounts in shops, hotels and inns, restaurants, as well as special offers from international companies. Such privileges are available to all users of the Gold series product, regardless of its type.

To get a card of this format, you just need to go through a simple procedure:

1. Visit the office of a banking institution.
2. Provide a passport, fill out an application.
3. Provide papers characterizing the occupation and income (for a credit card).
4. Coordination lasts 2-5 days, after which the employee will report the readiness of the plastic.
5. Get plastic at the bank office, sign documents.

Main functionality of gold cards of different payment systems

You can use the card everywhere, incl. Abroad. At the same time, it is allowed to withdraw cash in subsidiaries without charging a commission.

For Gold cards, a wide system of discounts and promotional codes is provided, as well as participation in the bonus program Thank you

The client also gets the opportunity to use the following services and features:

• Conduct transfers and payments remotely (when connected to Online or Mobile Banking).
• Solve problems around the clock, receive tech. support through the Bank's Contact Center by phone.
• Operations on the Internet are carried out in a special protected field according to 3D-secure technology.
• Pay for services through terminals, ATMs (including abroad).
• Top up your account with different options: transfer, cash via ATM, via the Internet.

Limits on cashing out from yellow plastics

If the client loses his Gold-card abroad, he can expect to receive cash under the accelerated procedure.

Discounts on the Sberbank gold card (a list of stores is attached below) are offered to customers in the following areas:

1. Travel agencies. Special offers have been developed for holders of Gold level plastic, which make it possible to significantly save on travel.
2. Airlines. Providing a discount when paying for a product of this series, as well as the opportunity to use the VIP waiting room.
3. Hotels - up to 60% for gold card holders.
4. Restaurants and cafes - 5-15%. In addition, you can take advantage of special privileges, such as the ability to choose a table of your choice. Some establishments offer a free drink (EmuN Restaurant).
5. Rental: get a vehicle for temporary use at a lower price.
6. Beauty salons: savings on spa treatments and massages.
7. Sports, health: promotional offers for subscriptions, for paying for ballet school lessons, for sports entertainment, etc.

An example from a list of stores with discounts on a visa gold card from Sberbank

There are also promotions for Gold series cardholders in stores in many cities and countries, such as Las Vegas and California: Fashion Show Las Vegas, Grand Canal Shoppes, Fashion Island. When buying, the customer is offered the opportunity to use promotional codes. This also applies to online transactions.

Discounts on the Sberbank gold card

Depending on which Gold card you have, Visa and MasterCard payment systems offer their own promotional codes.

Let us consider in detail the shopping offers that the Sberbank gold card provides, and discounts in which stores you can get. For example, MasterCard offers the following:

• iLux online store -15% for clothes, shoes, accessories;
• jewelry boutique Glam -10%;
• 7% on the first order of cosmetics in 4fresh.ru;
• Redken website - 25%;
• Wine House "Caudal" - 15%;
• clothing store DayNight - 5%;
• for equipment in Leica boutiques -5%.

Examples of where you can get a discount on a gold card

No less interesting promotional codes from Visa:

• children's clothing TOBEMUMMY - 10%;
• books from the publishing house Alpina Publisher - up to 20%;
• Vassa&Com network — 5%;
• Swiss watch and jewelry store Consul - 15%.

There are a lot of offers for privileged clients, their list is constantly updated. So, you can visit Gastronom №1 in Moscow and take advantage of a 15% discount or book a table at Osteria Brunello (Italy) and get a free drink just by presenting a gold card.

Visa and MasterCard constantly update the list of companies and stores offering promotions

You can take advantage of the offer and learn the secrets of a sommelier at the Caudal wine school and get 20%. And also visit a restaurant on one of the Radisson Royal yachts (Moscow), saving 10%.

All information about new promotions and promotional codes is posted on the website of the banking institution in the sections dedicated to Gold cards.

Conclusion

Holders of Gold level cards receive certain benefits when using the product - a high daily withdrawal limit, the amount of credit (for credit cards). In addition, each payment system offers a huge list of promotional codes for holders of their plastics. Their list is constantly updated.

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 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 the maximum speed of processing transactions. As an incentive, Visa uses a system of bonuses and discounts for purchases made on 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 to increase client flow and increase turnover. Cardholders prefer to shop where they are given discounts or credited with bonuses.

Bonus program from Visa.

This is a system to encourage buyers for purchases with a card issued by the Visa payment system around the world. This service can be used by Visa cardholders of any category.

For non-cash transactions on 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 of the outlet. It should be noted right away that discounts and bonuses from Visa MPS are not cumulative with other promotions held in the TSP.

How to connect to the Visa-Bonus bonus program?

To get bonuses, you should first get yourself a Visa payment system card. Fortunately, the choice of cards by banks is quite large. You can choose the simplest card or a status business class card with all sorts of privileges. When paying with such a card, you need to clarify with your Visa partner what kind of discount you can get. It happens that store employees do not always understand what is at stake. You can clarify the terms of the promotion on 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 with any Visa card for purchases and receive bonuses in the form of cash back.
• Get a merchant 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 an advertising code to receive a discount.

• Receive points / bonuses, which can then be used at the same outlet. For example, when paying for air tickets, a client was credited with 1000 points, which he can activate in his personal account and spend on buying 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. So, the Hertz company provides a discount on booking a car or gives one free day of travel as a bonus. To receive a discount, the Visa cardholder must name the promo code and the discount number.

Bonus program from MasterCard.

The payment system similar in importance in the world is MasterCard. It, like Visa, works all over the world and provides cardholders with bonuses and privileges. The program provides for the receipt of points for purchases, and then their exchange for gifts and prizes from the MasterCard catalog. To use bonuses, you need to register on the MasterCard website. Members of the program can earn and exchange bonus points in their personal account. You cannot receive bonuses in monetary terms. Bonuses are valid for 3 years, and then "burn out" in chronological order.

To date, the well-known and successfully developing is the American Visa Inc. The main activity of the company is payment cards, with the help of which the majority of monetary transactions are carried out today. The first Visa card was issued in 1958, but had a different name - “BankAmericard”, which, unfortunately, was not very popular because it was too long, which created difficulties in graphic processing, and sounded differently in different languages ​​of the world. The Visa card was introduced in 1976 by Bank of America.

In Russia, the first Visa cards appeared in 1988. At the moment, the main office responsible for supporting Visa member banks in Russia and the CIS is an office in Moscow. Every day more and more people resort to using the world-famous Visa payment cards, paying for various services and purchases.

Types of international Visa cards

Visa issues payment card types such as credit, debit and prepaid cards. In total, there are about 26 types of cards, the main and most common of which are Visa Electron, Visa Gold, Visa Classic and Visa Virtual. You can read about the features of these cards on the official Visa website.

Promotions and special offers Visa

Visa never ceases to please its customers with new and more and more tempting offers. When using a Visa card, you have a chance to receive bonuses and discounts, participate in promotions that are held in various stores and trading companies in Moscow and receive nice gifts. For more information, follow the news on our website or visit the official website of Visa.

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 who wish to receive an extended 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 seller 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 the security of transactions. Thanks to the company's innovative solutions, credit and financial institutions offer card products to their customers. 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 open 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 a free concierge service anywhere in the world. Specialists will inform about interesting events at the location of the owner and take care of booking tickets. In addition, concierge services with the Visa Platinum card include:

• car rental;
• ordering a taxi at any time of the day;
• reservation of a table in a restaurant, plane tickets;
• organization of leisure;
• access to closed clubs;
• assistance with route planning;
• (currency exchange places, weather forecast, addresses of hospitals, 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 maintenance, the user needs immediate assistance. Where to apply, being a Visa Platinum holder abroad? Premium product privileges allow you to get help regardless of the location of the client. Visa's global support service will be able to take emergency action in case of loss or theft of "plastic".

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

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

Access to global support is open to the holder of a Visa card, regardless of its class. However, only owners of premium "plastic" can count on emergency cash withdrawal and urgent reissue.

Travel insurance

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

If the tickets were purchased with Visa Platinum, then the owner and his close relatives receive insurance. It will protect against 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.

The insurance lasts only during the travel period, but not more than 90 days. In addition, the premium card holder has access to Visa's Medical & Legal Referrals program. Assistance is provided by ISOS. As part of the services provided, an individual has the right to make an appointment with a doctor, get advice by phone, and be evacuated with the help of medical aviation. Specialists will inform you about the location of medical and legal institutions, the 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 a table.

Visa Purchase Insurance

Name	purpose	Validity	Unconditional franchise	Minimum conditions for participation in insurance
"Warranty Extension"	Extension of the free service period. Allows you to return part of the funds when replacing the goods and reimburse the costs of repairs.	Up to 24 months after the expiration of the main manufacturer's warranty.		The cost of goods - from $50. Guarantee from the producer - at least 12 months. Payment by Visa Platinum bank card in the full amount of the purchase price.
"Purchase Protection"	For reimbursement in case of theft, loss, damage to goods or its repair	90 days from the date of purchase.		The product was paid for with a Visa Platinum card in full and cost at least $50.

Particular attention should be paid to the size equal to $50. Refunds will be made minus this amount. In the event of an insured event, the cardholder will be able to receive from $1,500 to $5,000. More detailed conditions of purchase 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 conditions for use. What exactly benefits the owner of Visa Platinum? The card has the following privileges:

• increased cashback (from 1.5 to 30%);
• free info services (Internet banking, SMS);
• additional issue of a "platinum" or "gold" card without commissions on preferential terms;
• high withdrawal limit;
• access to the VIP-zones of various establishments;
• high-quality banking service;
• opening of several currency accounts;
• access to premium programs from the bank (discounts by 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 customers in comfortable office areas without queues, providing a personal manager.

Operations with money

Visa Platinum has much more privileges for withdrawing, crediting or transferring funds than a classic card. In most banks, there is no commission for cashing out from premium plastic. The one-time withdrawal limit on average is about 500 thousand rubles. For Card to Card transfers, fees are also minimal or non-existent. You can replenish your account using electronic wallets, cash services, terminals with the “Cash in” function.

Another undoubted advantage of Visa Platinum is payWave contactless payment technology. Payment by credit card takes place in a matter of seconds and does not require the introduction of a PIN code. A certain limit is set within which contactless transactions are made.

Price

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

"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 appreciate the privileges of premium plastic. Otherwise, spending on card maintenance will bring more loss than benefit.

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

General terms

You can find 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", "Recreation" and "Transportation". The program operates in dozens of countries around the world.

For example, Visa cardholders will receive a discount of up to 10% at Scandinavian, Soho, Sea Zone, Panorama, Zu and other restaurants. Among the stores - partners of the program are: "Ascona", "Sunlight", "Puma", "LitRes" and others. A 5% discount can be obtained by paying with a Visa card for accommodation in 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 offer includes debit and credit cards. You can clarify the discount amount and the list of program participants by calling the support service at 8-800-250-33-02.