MasterCard World Black Edition cards. MasterCard World Black Edition from Sberbank

Banking plastic has long been used in the purse and wallets of our citizens. Among card products in Russia, Visa and MasterCard offers are the most popular. Both regular and premium cards of these payment systems provide the user with benefits that can satisfy any choice. One of the unique products is the World MasterCard Black Edition.

About the payment instrument

The Black Edition series cards are the epitome of synergy of exclusive privileges and sophisticated design with a sober, at first glance, black color scheme. These products are for people who travel a lot and appreciate premium service and comfort.

The MasterCard card is equipped with a technology that allows you to pay for purchases with one touch - just touch the card or phone to the terminal at the checkout. Fast and convenient, because you do not need to enter a PIN or expect a check. At the same time, the owner controls the payment process, since it is not necessary to transfer the card to the cashier, and the terminal will give a signal and turn off.

Key features

In this case we are talking about a privileged card, if in this respect it is possible to compare MasterCard products with each other. The following MasterCard World Black Edition privileges become available to the user:

Contactless payments and transfers with MoneySend.
Protection against hacking SecureCode.
Shopping online with MasterPass technology.
Business lounges on preferential terms.
Translations on VKontakte and Odnoklassniki.
Preferential payment of loans.
Bonus program MasterCard Rewards.
All the conveniences of using mobile applications and much more.

What is MoneySend from MasterCard

MoneySend is a unique optional service that allows you to conveniently transfer and receive money in the following ways:

Transfers between cards via the Internet / mobile bank, ATM or mobile phone.
Withdrawal through any ATM, Russian Post website and systems money transfers.
By card number in mobile phone stores, points of money transfer systems, Russian Post offices and terminals.
Transfers to a card from an electronic wallet.

You only need the number and expiration date of the recipient's card. To transfer money, you can contact the operator of the nearest bank branch. At the same time, you don’t have to worry about details, fill out questionnaires and stand in lines, and upon receipt, worry about the safety of large sums.

MasterCard SecureCode - reliable protection

For discerning customers who love to travel in comfort, who appreciate excellent service without drawing attention to their person, the MasterCard World Black Edition premium card has been developed. Exclusive features and unobtrusive design confirm this.

Not everyone knows about the existence of premium cards, but not all banks include them in their product line. To date, "black cards" are issued by Sberbank, Alfa-Bank, Raiffeisenbank and others.

What does the holder of such a card get? First of all, the service is several levels higher, both in the form of a payment system and a service in a banking institution.

What are the benefits of Mastercard World Black Edition?

It is very easy to appreciate the advantages of Mastercard World Black Edition. It is enough to pay for purchases using this card to receive bonuses available only to you.

MasterCard World Black Edition is a great opportunity for those who are accustomed to the best, who appreciate every minute of their time and who care about quality service while traveling.

This card has the following benefits:

Making payments using contactless PayPass technology.
Bank service at a premium level, free Concierge service.
Insurance included by default.
Priority Pass - a pass to the best airport lounges.
Emergency assistance in case of loss of the card.
Separate telephone line.
And other special features.

Concierge service

Mastercard World Black Edition provides a personal concierge service. He will provide important information about the planned events and, if necessary, book tickets.

Concierge offers the following services:

Reservation and purchase of air tickets
Information about the host city with competent advice
Car rental order
Delivery of a car with a driver
Golf course guide
Tickets for cultural events and other events organized anywhere in the world
Hotel booking, hotel guide
Top news in the country and the world
Travel assistance.

Priority Pass - your pass to business class lounges

The card gives you access to the best airport lounges around the globe through the Priority Pass program. An airport is a place where noise and pandemonium constantly reign. Thanks to this program, you can relax in the premium lounge. And this opportunity is provided regardless of class and airline. VIP-halls are located in three hundred different cities. To get into one of them, it is enough to present a membership card at the entrance.

A busy person always does not have enough time to take a breath. Using the VIP lounge, you will have the opportunity to wait for your flight in peace and quiet, as well as work if necessary. Nobody will bother you!

Priority Pass from Mastercard black edition is:

Several hundred high-level halls in more than a hundred countries.
Lounge availability without regard to class and selected airline.
70 or more lounges at American airports.
Internet access, meeting rooms.
Atmosphere conducive to peace.
Snacks and drinks as a free compliment.
Carefully thought-out infrastructure for fruitful work and quality rest.

Travel insurance

All Mastercard World Black Edition card holders receive by default accident and illness insurance for the period of travel abroad. This program provides the following benefits:

Not only the cardholder can use the insurance, but also members of his family, which include a spouse, as well as children 6-18 years old, as well as children under 23 years old - full-time university students.
The cardholder can obtain a visa without additional payments.
No need to activate insurance with a payment card transaction.
Opportunity to receive support from Class-Assistance Ltd.

Mastercard World Black Edition credit

Given the status of the "black card", the maximum loan amount for it is much higher even for new customers.

You can get up to 5 Mastercard World Black Edition Premier and Visa Platinum Premier premium debit cards as part of the Sberbank Premier service package.

In which banks can I issue a Mastercard World Black Edition?

Premium cards are offered by many Russian banks. These include Sberbank, Alfa Bank, Rosselkhozbank, Uralsib and others.

The advantages of the card are that 0.5% is charged for each purchase; in other cases, bonuses are as follows:

Another advantage of the Sberbank Mastercard World Black Edition card is the ability to accumulate bonuses when participating in the Thank You from Sberbank bonus program. For each bonus Thank you, you get 1 ruble.

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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 is Everyday life hardly 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 assistance, 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.

Travelers Visa card Signature of Sberbank is especially popular 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 applied 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.

Visa offers discounts and privileges for travelers: hotels, outlets, tourist trips.
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.

The comfort of using plastic cards is undeniable, but the emergence of new products never ceases to please with the expansion of opportunities and special privileges. The exquisite black MasterCard offers exclusive service to the most demanding and demanding customers. Many advantages are available to cardholders of an elegant anthracite color, because respectable plastic with the magic phrase Black Edition convincingly emphasizes the VIP status of its owner.

Product Advantages

Having received a MasterCard Black Edition card equipped with PayPass® contactless payment technology, you have the right to count on a lot of comfortable benefits and a high level of service:

premium service;
serious insurance coverage when traveling abroad;
access to VIP areas of airports;
tangible discounts on purchases;
special offers and service packages from banks issuing Word MasterCard Black Edition credit cards.

The last point is worth mentioning separately. For example, the MasterCard Black Edition Premier credit card is a reliable protection of funds in case of loss or theft of plastic, compensation for losses in case of loss of luggage while traveling, booking hotels and tickets for significant events. The MasterCard Premier card provides an opportunity to get a significant loan with moderate interest rates, as well as use the services of a mobile bank.

How to get an elite credit card

Not all metropolitan banks offer their customers exclusive black cards and the unique premium product World MasterCard Black Edition, which implies the VIP status of its holder. CREDITZNATOK comes to the rescue - for Moscow residents, the company's website presents the best offers and the most up-to-date information. You can compare the services provided by Moscow banks and choose the best option for you. Sophisticated filtering helps you quickly find what you need - rich Premier or World programs, debit or credit products, conditions acceptable to you. To become the owner of Black Edition, fill out the proposed form and wait for the approval of the application, which can be submitted to several banking institutions at once. After drawing up a loan agreement, you will become the holder of a respectable plastic with an exquisite design on a black background - your reliable partner in the world of privileges and a high level of comfort.