If your bank accounts have large turnovers, it will be interesting for you to learn about the Sberbank Premier service. What is it, why and who needs it - we will tell in this article.
What is Sberbank Premier?
"Premier" is a special service format for wealthy clients who value comfort and saving time. Sberbank has developed this service by adding individual privileges to standard services.
A privileged client of Sberbank is served in a separate area, he has a personal manager in Sberbank, a separate line of tariffs for deposits and loans, a separate hotline and much more.
What is included in the Premier service of Sberbank:
- Personal manager;
- Free dedicated line;
- Separate service areas in offices;
- Premier (up to 5 pieces for a client and his family);
- For the client "Sberbank Premier" interest on deposits increased;
- Travel insurance for the client and his family;
- Honey. examination with an expert opinion of foreign specialists (2 visits per year per family);
- Preferential exchange rates;
- Access to airport VIP lounges (Priority Pass option).
Sberbank Premier: cost
You can get all the above privileges for 2500 rubles per month.
The service can be used free of charge:
- First 2 months;
- At any time with an account balance of more than 1.5 million rubles.
How to become a client of Sberbank Premier?
In most cases, the bank itself offers customers to move to a new level of service when they see serious movements in their accounts or a significant balance on a deposit.
Also, the owners of premium cards - platinum and issued by the bank now can use the package. Visa Signature and MasterCard World Black Edition. That is, they will not sell you a package to or a standard Visa package.
From the price conditions, it becomes clear that Sberbank wants to see customers in VIP zones who have a large sum of about 1.5 million rubles at their disposal.
Thus, for registration of the Sberbank Premier service package, the following conditions are assumed:
- Issue a premium card;
- Open a deposit for 1.5 million rubles or deposit a similar amount on a card - and wait for a call with a bank offer.
Often, the sale of premium services "goes down" to customers with an average monthly turnover of 100-150 thousand. Bank managers call such users and offer to use the package for free for a couple of months - to evaluate the quality of the service and, in case of "something", refuse. We will talk about the package cancellation process a little later. First, let's describe in more detail the benefits that will really be useful in everyday life.
More about privileges
Considering the product in general terms, a pleasant impression is formed about the product. But most of all, you will probably be interested in numbers and direct facts. Let's decipher the bank privileges that Sberbank Premier gives
Deposits of individuals
In 2017, there is a downward trend in interest rates on deposits, due to a decrease in the value of . Sberbank is the first to reduce deposits, or rather their benefits, since it is credit institution with and react faster to market changes.
However, many people want to keep their funds in a reliable organization, and users of the premium package have the opportunity to deposit money at individual rates. Separate tariffs for premium clients are distinguished by the prefix "Special":
- Special Save and Sberbank Premier deposits add +0.82% to the yield in rubles, and up to +0.6% in dollars;
- The deposit "Special Manage" and "Sberbank Premier" adds +0.72% to the yield and up to +0.57% - in dollars;
- The deposit "Special Replenish" and "Sberbank Premier" adds +0.71% to the yield and up to +0.61% - in dollars.
In market conditions, such allowances are very significant. The minus of the service is the minimum deposit amount, which is at least 1 million rubles or 50,000 dollars.
In addition to higher rates, Sberbank offers to independently choose a deposit term from 1 month.
5 platinum cards
By activating the service package, you can issue your family members free of charge with a Visa Platinum Premier or World MasterCard Black Edition Premier card. The number of free cards is limited to five.
"Priority Pass"
Perhaps the most convenient service in the package is for those who often travel by plane. 1000 comfortable VIP lounges around the world are available to you upon presentation of the card. Take your whole family (permitted by conditions) and settle down in comfortable waiting rooms.
130 countries around the world have equipped airports with the Priority Pass zone - you will be fed, offered drinks, provided with high-speed Internet, a charger for your phone and laptop. By the way, alcohol in many halls is offered free of charge - with Priority Pass, All inclusive starts already at the airport.
Travel insurance
You and your family are insured against unpleasant situations that may occur during the trip - from the loss of luggage to the transportation of the body to your homeland.
"Second expert medical opinion"
If “ordinary” doctors have diagnosed you with diseases in the field of cardiology, neurology, oncology, nephrology or orthopedics, foreign experts will study your analyzes and provide their own conclusion.
Interaction with experts takes place by e-mail - you send the available scans and within 2 weeks you receive an opinion from specialists (for complex cases, the time for preparing an opinion increases to 30 days).
You and all family members, including civil spouses and adopted children, can use the service, but not more than 2 times a year.
Is a service necessary? Rather not, because with a complex course of the disease, you definitely will not wait 30 days for a foreign doctor to write his opinion. And is this opinion necessary at all, if the average user of the Premier package can afford an examination by a good specialist, the conclusion of which will not be in doubt?
Preferential exchange rate
Each bank buys / sells currency with a difference of 2.5-3% of the Central Bank rate. For premium clients, the premium is less - the bank is ready to sell foreign currency 30-60 kopecks cheaper: with a bulk "purchase" you save pleasant amounts.
How to cancel the Sberbank Premier service package?
It happens that the service is offered to a non-target audience (for example, you put money from the sale of real estate at interest, and you were automatically ranked as a wealthy client). Tempted by free 2 months, the client understands that he does not need premium services: he flies a maximum of once a year, does not get sick with anything serious, does not need insurance, and does not want to pay 2,500 a month.
Then, it is better to disable the service. To do this, contact the Sberbank office (for the time being - in the premium zone) and write an application to disable the service.
Please note: in case of refusal, the bank will withdraw 2500 per month if your account has less than 1.5 million rubles!
At first glance, it might seem that debit card VIP class, for example, Visa Gold, MasterCard Platinum, etc. - this is exclusively a demonstration of the status of the client, his special position and financial capabilities. However, if we look deeper into this issue, it turns out that premium cards also give their owner certain material advantages (for which, of course, you have to pay). Next, we will show this using the example of Sberbank's elite cards, and compare the opportunities that each of them opens up for its owner.
Premium cards from Sberbank: a brief description
All VIP cards from Sberbank can be conditionally divided into 3 groups:
Note that anyone can purchase the first 2 types of cards (having received approval from the bank after submitting the application), however, in order to connect to the Premier tariff plan, one of the following conditions must be met (which differ depending on the region):
- Invest in a Sberbank deposit account from 1 to 8 million rubles (for the capital) and from 400 thousand to 4 million rubles (for residents of other regions).
- Receive monthly transfers to a salary card issued within the framework of salary project, ranging from 150-500 thousand rubles monthly (for the capital) and from 50 to 200 thousand rubles (for other regions).
- Issue mortgage loans for the last 3 years for a total amount of 6 to 10 million rubles (for the capital) and from 2 to 5 million rubles (other regions).
- Have an average monthly payment on a Sberbank loan of more than 50 thousand rubles (for the capital) and more than 25 thousand rubles (for other regions).
The Premier package, in addition to the opportunity to issue premium class cards for free, allows customers to be served in offices where there is a special dedicated area for VIP clients, without queues (700 branches in Russia); use services personal manager; use specialized banking products, for example, safe boxes; call the dedicated telephone line of the contact center.
We will describe the advantages and disadvantages of the cards provided within the "Premier" package, as well as the features of other premium cards, but I would like to dwell on the feedback from customers connected to the "Premier" tariff plan. At the moment, most of them are negative: the bank introduced this package not so long ago, therefore, it is possible that it is still “damp”. Most often, clients complain about the inability to contact a personal manager, a long wait for feedback, incompetence of employees, etc. (i.e. the notorious "human factor").
So, let's consider the terms of service for Sberbank premium cards in more detail.
Sberbank Visa Gold and MasterCard Gold cards
Gold class cards offered by Sberbank are available to anyone over the age of 18. They provide their owner with the same opportunities as classic cards, while they are issued and reissued for free (only annual maintenance is paid). Additionally, Gold class cardholders can receive discounts on car rentals from Hertz. The difference between Visa Gold and MasterCard Gold lies in the bonus programs of the payment systems themselves.
By purchasing Visa Gold, you get additional privileges from payment system Visa of the following nature:
- The ability to seek help from the concierge service, where they will help you organize your trip: choose the best routes and hotels, book flights and rooms; provide information about aircraft flights; they will tell you where the nearest restaurant or shop is located, etc. They will help you rent a car, organize flower delivery, order a ticket to the theater, etc.
- Opportunity to apply for medical and legal assistance while traveling (consulting services provided by the international company International SOS).
- Participate in Visa discount programs.
Important: holders of Visa Gold and Visa Platinum cards can count not only on consulting services as part of the provision of legal and medical support, but also real assistance. This is an additional - paid - service that is provided abroad and only if 50% or more of the ticket price was paid using a Visa card.
As for the MasterCard payment system, its VIP clients automatically become members of the Priceless Moscow program. They can:
- Receive discounts when booking hotels, paying bills at partner restaurants, grocery stores, sports centers, boutiques, etc. (partner addresses can be found at www.pricelessmoscow.ru).
- Receive invitations to private events.
- Take advantage of promotional offers abroad (hotels, restaurants, tour operator services, etc.).
Comparing the World of Privilege programs from Visa and Priceless Moscow from MasterCard, it can be noted that Visa program appears to be more extensive. It focuses not only on discounts, but also on additional services (both paid and free); the number of promotional offers from Visa is also greater.
Sberbank Visa and MasterCard Platinum cards
Cards of a higher level and more expensive to maintain (compared to Visa Gold and MasterCard Gold), allow you to get all the basic features and a number of additional ones. You can apply for a card at the Sberbank Premier manager, and only if you are already 21 years old. Note that after submitting an application for a card, a manager should contact you within 3 days and inform you about the decision of the bank. Platinum class cards are not issued to all applicants; the bank evaluates the socio-economic situation of the client and only then gives an answer.
Platinum cards from Sberbank provide the owner with the following privileges:
- Purchase protection service: automatic insurance of purchased items against theft, accidental damage, etc. within 90 days of purchase. Sum insured is $20,000 per year. The insurance partner is RESO-Garantiya and its agent is AXA Travel Insurance.
- “Extended Warranty” service for goods over $50 paid with a Platinum card (warranty increases by 2 times, but should not exceed 24 months). total amount of all claims in a year cannot exceed $20,000.
- Consulting services. Medical and legal support abroad provided by International SOS. The complex of medical support includes counseling the patient, as well as monitoring his condition during and after hospitalization. Legal assistance consists of providing contact details of lawyers abroad, etc.
- Concierge services. Important: the service is provided only to Visa Platinum cardholders. The service is not available to MasterCard Platinum holders.
- MasterCard Platinum holders can become members of the NILSEN CLUB, a closed club of travel lovers, where they will be helped to choose the best routes and organize vacations in any of the countries of the world (similar services are the responsibility of Visa Concierge Service employees).
Thus, within the platinum MasterCard cards once again inferior to Visa cards, especially since concierge services are extremely popular with VIP clients.
Sberbank cards Visa Platinum Premier, World MasterCard Black Edition Premier
Sberbank's products of the Premier class are provided exclusively within the package of the same name, with the main advantages and disadvantages of which you are already familiar with. The Visa Platinum Premier card provides the holder with the same benefits as the regular Visa Platinum card, and the World MasterCard Black Edition Premier card provides extended opportunities compared to MasterCard Platinum. Additionally, concierge services are available to holders of this card.
Also, as part of the Premier package, customers can count on:
- Life and health insurance with the coverage area "Worldwide" and the sum insured - up to 100,000 euros. This policy will be required when opening a visa and can be used an unlimited number of times. Insurance partner - RESO.
- Insurance bank card. The service allows you to receive an insurance payment when fraudsters use your stolen or lost card(sum insured - up to 150 euros), and in case of an attack on you near an ATM (compensation - up to 1,500 euros).
- Contactless payment for goods and services of the trade and service network using Visa PayWave and MasterCard PayPass technologies.
- Participation in the Priority Pass program, which allows you to use the services of comfortable business class lounges at the largest airports in the world.
- "Insurance the best price". This type of insurance is only available in the Premier package. If you purchased a product and then saw a similar one but at a lower price, the insurer will reimburse you for the difference (insurance coverage - 1000 euros).
To understand how much certain card benefits actually cost, let's study the rates of Sberbank.
| Characteristic / Type of card | Visa Gold and MasterCard Gold | Visa and MasterCard Platinum | Visa Platinum Premier and MasterCard World Black Edition |
| Service fee for 1st year, main card | not charged * | ||
| 2nd year maintenance cost, main card | RUB 3,000 / USD 100 / EUR 100 | RUB 10,000 / USD 300 / EUR 300 | not charged * |
| Daily withdrawal limit | RUB 1,000,000 or $25,000 or €20,000 | ||
| Daily limit for withdrawing funds without using a card in territorial banks other than the place of account maintenance | RUB 50,000 or USD 1,600 or EUR 1,200 | ||
| Daily limit on withdrawals from ATMs of other banks | RUB 300,000 or USD 12,000 or EUR 9,000 | RUB 1,000,000 or USD 25,000 or EUR 20,000 | |
| Daily limit for card replenishment through self-service devices | 1,000,000 rubles in equivalent | ||
| Issuance of funds at the cash desks of the territorial division where the account is opened, and other ter-x subdivisions in excess of the daily limit | 0.5% of the amount exceeding the limit | ||
| Withdrawal of funds from ATMs of other territorial banks | No commission | ||
| Withdrawal of funds at ATMs of other banks, without taking into account the commission of the ATM owner bank | 1% of the amount, but not less than 100 rubles / 3 USD / 3 EUR | ||
| Emergency cash withdrawal | No commission | ||
| Obtaining a statement through a Sberbank ATM (10 last card transactions) | 15 rub. per request | ||
| Conditions for obtaining: minimum age of the cardholder | From 18 years old for the main card and from 10 years old for additional cards (with the consent of the legal representative) | Age from 21 to 65 years old inclusive | |
* The cost of servicing in the Premier tariff plan is 2,500 rubles / month (30,000 rubles / year), but payment is charged only if the total balance of the client on all settlement, card, deposit accounts, as well as compulsory medical insurance at the end of the month less than 2,500,000 rubles. The bank also provides customers Grace period- 2 months from the date of connection to the tariff plan. There is also no service charge during this time.
After analyzing the premium card products of Sberbank, we can conclude that Visa cards are more profitable in comparison with MasterCard, and as for the level of the card, you should choose based on your financial capabilities and needs. If you have a deposit with Sberbank in the amount of more than 2.5 million rubles, then the best choice would be service within the framework of the "Premier" package.
Sberbank First created to serve clients with V status ip. The bank provides special service conditions, a lot of privileges, a personal manager, a round-the-clock support line, security and confidentiality. Clients can take advantage of a package of exclusive financial and insurance services. A high level of service opens up many opportunities for individual customers.
Sberbank of Russia First - VIP service
Sberbank is one of the five largest financial institutions in Russia. This indicates that the bank cooperates with different categories of users: from wealthy people who trust the bank with significant amounts for storage, to customers. Of course, the bank values each of its visitors. VIP clients are influential and wealthy people for whom Sberbank First has created certain conditions:
- The atmosphere and design of the offices for VIP clients is not like other branches of the bank. Every detail of the thoughtful interior was created for high-status guests of Sberbank First. The photo makes it possible to examine in detail - everything here is designed for the convenience of visitors: ergonomic leather sofas, bright rooms, huge plasma screens are placed on the walls.
- To maintain confidentiality, there are meeting rooms with direct access to the cash desks.
- Personal managers are ready to answer questions. Daily customer care has its results: Sberbank The first review has only positive ones.
Who can become a client of Sberbank First?
Deeper and higher-level work is being carried out with people who work at Sberbank First. There are certain conditions that provide an opportunity to become a client of a VIP bank.
First of all, the privileged ones include depositors who have placed deposits in the amount of at least 4,000,000 rubles (8,000,000 rubles for clients of Sberbank First of Moscow). Also, borrowers with a positive credit history who has a credit line in excess of 5,000,000 rubles.
Sberbank service package First
Some products of Sberbank First deserve special attention.
Sberbank First Vip: Privilege Program and Concierge Service
The “Concierge” service was created specifically so that users of the service could quickly find answers to their questions or receive certain services, order goods, etc. “Concierge” is a free service that operates 24/7.
Specialists solve customer issues every second: this includes booking tickets, tables in restaurants, and organizing important events, renting a car, ordering translation services, a guide, and so on. The costs of users are reduced to payment for purchased goods, services received. It is easy to make a request by calling the number "Concierge Sberbank First" and naming the first 6 digits of the card number.
- The phone number of the service for World MasterCard Elite cardholders Sberbank First is 8 800 333 5645 (toll-free in Russia).
- For Visa Infinite cardholders, Sberbank First - 8 800 333-51-71.
The Visa Infinite bank card has a set of privileges. In addition to them, Sberbank First offers exceptional bonuses. The entire range of Visa Infinite services is designed to take care of saving the cardholder's time. The program provides unlimited possibilities. This is a complex of insurance, and exclusive discount packages in the most famous shops / hotels around the world.
A personal manager is ready to help the owner 24 hours a day. A special privilege of the product is an individually determined overdraft facility. In the event of unforeseen situations, a client with VIP status is provided with medical and legal support, regardless of his place of residence.
Travelers have the opportunity to take out insurance, which includes refunds due to cancellation or delay of a flight, loss of luggage. The insurance limit in this case covers up to $3,000,000.
Purchases paid for with a Visa Infinite card are insured against theft, loss, unintentional damage for a period of 90 days. There is also an urgent cash withdrawal service, which can be quickly received at the location of the client, if his card was lost, stolen or damaged.
- If the client falls under the criteria for assigning a VIP status, you should definitely take the opportunity to try the services of Sberbank First. Branches are located not only throughout Russia, but also abroad, which facilitates cooperation with a financial institution for frequent travelers.
- A website has been created for VIP clients and online services are available. Those who prefer to communicate with bank employees in person should visit the branches of Sberbank First. Addresses can be found on the official website.
- Cooperation with specialists from Sberbank First allows you to not only save, but also increase your savings. Experienced analysts, financial brokers, experts will help you invest profitably and increase the level financial literacy client.
Sberbank of Russia offers its customers such a service as Sberbank Premier. What it is? Let's try to understand in more detail. The service is essentially a specialized service format that is available only to wealthy clients of the largest bank in the country. The offer provides for a high level of service and comprehensive confidentiality during negotiations, service in any branch out of turn and the assistance of a personal manager in selecting the ideal banking products.
How to become a client of the Sberbank Premier program and what benefits can I get?
The Sberbank Premier program, whose customer reviews are extremely positive, is provided to a certain category of people completely free of charge. In order to be included in the list of privileged clients, you must meet one of the prerequisites:
- The presence of a deposit in a financial institution in the amount of 1 million to 8 million rubles.
- Belonging to payroll clients, with receipt wages to a card of Sberbank of Russia over the past 6 months in the amount of 150 to 500 thousand per month.
Requirements may be adjusted depending on the region where this format of cooperation is offered. Connection to the service is carried out by telephone. Clients with an accumulated deposit of 8 million rubles or a balance of debt on loans of more than 20 million rubles can apply for VIP service.
Unique and profitable offers
We continue to consider the Sberbank Premier program. What it is will allow you to see a wide range of offers within the service. It is worth mentioning the attractive deposit rates:
- Premier Save up to 11.34% in rubles.
- "Special Refill" from 11.02% to 11.67% in rubles.
- "Special Manage" from 10.31% to 11.20% in rubles.
Clients have access to premium plastic cards Visa Platinum and World MasterCard Black Edition. VIP clients get a unique opportunity to invest in mutual funds and
"Premier": the best offer for wealthy clients
The Sberbank Premier program, with very attractive interest rates, was designed to meet all the needs of wealthy clients. People who have large capitals in their hands now have the opportunity to invest their funds in high-yield programs with high reliability and minimal risk. Sberbank Premier clients are privileged depositors with whom work is carried out on an individual basis.
Professional managers, taking into account the specifics of the issue and needs, offer the most optimal financial products. Classification of all clients financial institution by groups allowed to move the service to a higher level.
Why do you need Premier Services?
The Sberbank Premier service, the feedback from employees about which is extremely positive, is aimed at people who have large personal capital at their disposal. It's no secret that the larger the amount of savings, the more professional management they require. The best experts of Sberbank of Russia offer effective solutions in terms of managing personal finances. Each VIP partner has access to a personal telephone line within the Contact Center. Any issues can be resolved without visiting the branches of a financial institution. This is very convenient for business people who almost always do not have enough free time. In the face of an individual manager, a professional Financial Consultant. He will provide indispensable assistance in the formation of a long-term investment strategy, will find the most profitable and optimal directions for its implementation. The Sberbank Premier program, which offers interest on deposits that is an order of magnitude higher than market rates, offers several more innovative banking products that only privileged clients have access to. These are “Deposit and Mutual Fund” and “Deposit, Mutual Fund and OMS”.
The "cream" of banking services in one package
The Sberbank Premier service, which was discussed above, is essentially a set of the best offers of the bank. A complex product, with minimal time and limited effort, allows you to manage your capital as efficiently as possible. A variety of areas for investing capital are more than just promising. In addition to the traditional investment in a deposit, privileged clients have access to deposits in such highly profitable assets as precious metals and securities. The vast majority of small investors not only have never been interested in these areas, they have never even come across them.
Buying mutual funds: many advantages in one package
Consider mutual funds - one of the most profitable areas offered under the Sberbank Premier program. What is it, let's try to sort it out in order. The main value of the offer is that it allows you to personally experience all the advantages of stocks and bonds. Funds invested in are supervised by professional managers. The unit holder may not independently monitor the market situation, analyze it and make decisions regarding the purchase and sale of securities. The ratio of the expected level of profit and the profitability of the product will depend solely on which securities the assets are invested in: stocks, bonds, or both assets at the same time. Premier Sberbank offers to do all the main work for the investor. Thanks to the collection of investments in one asset, experienced managers collect the most profitable and differentiated, economically stable portfolios.
OMS - an offer only for the elite
Clients of the program can become owners of unallocated metal accounts or CHI, which are calculated in grams of metal. Profit from this type of deposits is derived from changes in the value of precious metals on the international market. This offer from Sberbank Premier receives only positive reviews, which has a certain connection with the benefits it offers. The main advantage of the program is the complete absence of VAT and difficulties with metal storage. The probability of theft and damage to property is completely excluded, since the grams of the precious metal are virtual. All income and settlement operations for each of the accounts are carried out very simply. The offer is indispensable for conservative investors who pay sufficient attention to the distribution of risks and invest in the products of Sberbank. "Premier" deposit in the OMS format with gold, made on long time- this is a great opportunity to increase your capital with almost no risk. For silver, platinum and palladium, these MLAs are more suitable for investors with a good track record.
Dominant investment rules
Servicing privileged clients at the highest level is not the only thing that Sberbank offers. The "Premier" contribution to the "Deposit + Mutual Fund" product is available to the VIP sector with an investment of 100,000 rubles or more. It is worth emphasizing that the size of the "Investment" deposit, which is included in the product structure, can be as high as 50%. The funds spent on the purchase of units must either be equal to or exceed the amount of the deposit itself. Under the program "Deposit, Mutual Investment Fund and Compulsory Medical Insurance", the minimum investment amount should be equal to 150 thousand rubles. The size of the "Portfolio" deposit should not exceed 33.3% of the funds on the account. At the same time, the size of investments in shares or in compulsory medical insurance must either correspond to the volume of the deposit, or exceed it.
Interest rates, or Course for increased income
The Sberbank Premier service offers very attractive partnership conditions. For example, interest rates under the programs "Investment" and "Portfolio" is an order of magnitude higher than for standard deposits. Depending on the specifics of the product and the duration of investment in it, the percentage can vary from 7 to 12.5% in rubles. Accrual to the account is carried out in case of an increase in the cost of quotations by securities and precious metals. The ratio of risk and profitability can be easily adjusted by acquiring a certain type of impersonal metals and shares from different mutual funds.
Bank "Premier Sberbank" (department for privileged clients) provides for certain conditions of partnership. Contributions are made to short term: 1 month and 1 day, 3 months and 1 day. All other prolongations of deposits are available under the "Save" program. When the terms of deposit programs expire, they can simply be closed. A more profitable option is the expectation of an increase in the value of assets on the international market with a view to their further sale at the highest possible cost. Each complex product is accompanied by individual investment programs.
is a package of services designed for wealthy clients from the retail business segment. Its user gets a lot of advantages compared to others individuals. At the same time, one should not forget that an individual approach is more expensive and not everyone can afford it.
The differentiation of customers into categories is practiced among absolutely all banks. And it is logical that the people who can bring financial institution more profits require a completely different approach and attitude.
Clients with an average income - a package of premium services from Sberbank is designed for them.
Premier package from Sberbank
Obviously, people who can afford expensive service they want to get the most out of banking and not quite banking services that Sberbank has. They will demand not only the best financial products on individual terms, but also a special approach to themselves.
Therefore, in order to satisfy the desires of high-income customers and prevent them from going to competitors, Sberbank included a variety of services in the package.
VTB has a similar package of premium banking services -. The cost of maintenance per month is the same - 2.5 thousand rubles.
Premium cards
Free issuance of up to 5 payment cards of premium class Visa Platinum Premier and World MasterCard Black Edition Premier to a client or his relatives.
Increased bonuses Thank you
Holder payment card the upper class gets more for cashless payments:
- 10% for paying at gas stations or for trips to Yandex.Taxi or Gett;
- 5% for paying for cafe or restaurant services,
- 1.5% for payments for goods and services in retail chains,
- 0.5% for payment of other expenses.
But at the same time, it should be noted that increased bonuses are accrued provided that not less than 80 thousand rubles.
Recently, the bank began to issue separately from the Sberbank Premier package. It also allows you to get elevated thanks.
Deposits at higher interest rates
But at the same time, it is worth considering that the minimum contribution amount is from 1 million rubles / 50 thousand euros or dollars.
The difference in the maximum rates between the standard and individual conditions for deposits in rubles is:
- "Save" - 0.34 p.p.,
- "Replenish" - 0.2 p.p.,
- "Manage" - 0.2 p.p.
Even up to 0.5 p.p. doesn't fit anywhere.
Travel insurance for the client and his relatives.
The insurance covers the cardholder and his family members: spouse and children. Insurance coverage outside Russia is 100 thousand dollars, at home - 30 thousand dollars. This insurance can be used to obtain a visa.
