S7 priority bank card. Review of the conditions of the S7 PRIORITY bonus card from Alfa Bank
S7 card Alfa-Bank Priority is a co-branding product released by Alfa-Bank together with S7 Airlines. This card allows customers to travel at the expense of the airline. Users accumulate special points in a bonus account called miles.
The client can use the accumulated miles to purchase air tickets. The program gives its participants the opportunity to profitably travel both within the country and abroad, using the service of S7 Airlines or another partner company.
The Alfa-Bank S7 card helps you collect bonus miles when making payments for services and goods. The amount of miles awarded is affected by currency open account and type of card account.
A current account can be issued in three currencies:
- ruble account;
- dollar account;
- account in euros.
When creating this product, the manufacturer also included additional benefits for S7 Alfa-Bank Miles cardholders. Thus, when paying for services in entertainment establishments such as restaurants, customers can take advantage of a discount of up to 50%.
WITH full list partners of this program can be found on the Alfa-Bank website. At all points, the amount of the discount and the existing boundaries are indicated, which means the time frame for providing discounts.
Tariffs for S7 Priority
Users of the S7 Visa Priority Alfa-Bank card can enjoy all the privileges provided to Visa system account holders.
When applying for a card, you need to select a service package from the list:
- "Comfort";
- "Maximum";
Clients served within the package receive additional benefits from the promotions and discounts provided.
Savings account Awesome
Additional benefits can be obtained by users who, in addition to the S7 Priority card, register a “Uletny” savings account. Having funds in this account in the amount of 50,000 rubles or 2,000 dollars/euro, the account holder will receive bonus points. The limits provided are minimal sums of money, stored in accounts, for 200 rubles. ($20, 18 €) payments are made for 1 mile, observing the conditions of using an Alfa-Bank S7 card for settlement transactions on your accounts.
Interest is accrued on the card account balance at 0.1% per annum.
You can manage your account using all the methods provided by the bank; you can deposit and withdraw funds in unlimited quantities.
Features of the S7 PRIORITY debit and credit card
Those wishing to open an S7 Priority card at Alfa-Bank can choose any of the offered bank cards, issued in accordance with this program. The choice made affects not only the size of the miles received, but also special privileges proportional to the type plastic card linked to the account.
First of all, the client needs to decide on the type of card, based on the functionality of the account:
- Alfa-Bank S7 Priority debit card. Using a card account with personal funds makes it possible to make purchases and pay for services, as well as pay bills by receiving bonus points in the form of miles. Alfa-Bank provides its debit account clients with comfortable service by providing modern services, free access to funds and round-the-clock consultation on all emerging issues. Various promotions from partners will be additional privileges to high-quality service.
- S7 Alfa-Bank Priority credit card. Such a credit card can help tourists and travel fans earn miles. Convenient loan products, bonuses from partners, provision of an interest-free period for cash withdrawals and interest rate loan included in each credit card Alfa-Bank S7 Priority.
Types of S7 cards
After choosing the type of payment card, you need to decide on its type. There are four savings account options:
- S7 Green;
- S7 Gold;
- S7 Platinum;
- S7 Black.
The Alfa-Bank S7 Platinum card accrues bonus miles in the amount of 1.5 miles per 60 rubles spent.
Purchasing air tickets with S7 miles
With the help of such an Alfa-Bank card account, along with an open service package, any client who actively makes purchases is able to accumulate the necessary amount of miles for the subsequent purchase of air tickets with them, and an exchange takes place.
New horizons with S7 PRIORITY
With the S7 Priority card, users of Alfa-Bank services can reach new horizons. You can use the variety of services offered by partners as you wish. This makes it possible, in addition to the main function of the card, to travel with ease of service.
Benefit: accumulation rate – up to 1.75 miles for every 30 rubles.
S7 Priority bonus cards from Alfa-Bank can be both debit and credit.
The holder receives air miles, which can be used to exchange for free flights on Oneworld alliance flights (one of the 3 world leaders in air travel), or for upgrades to service class with partners in 150 countries. They accumulate during non-cash payments for goods and services. The required number of points earned annually to ensure that bonuses do not expire is 5,000.
Types of cards
The bank offers its clients the following line of products under the S7 program:
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Bonus calculation procedure
Promotional bonuses are awarded for purchases made using non-cash payments, and Alfa-Bank also gives additional bonuses when opening a card and on a birthday.
Important: Special offer until June 15, 2014 – when applying for an S7 PRIORITY Visa, double welcome points are awarded, and during this period all promotional points for purchases are doubled.
Example of bonus accumulation
- Target: purchasing an award ticket St. Petersburg – Milan (round trip)
- Number of miles: 15 000
How to save:
| Required amount of account turnover, rub |
|
|---|---|
| S7 Green | |
| S7 Gold | |
| S7 Platinum | |
| S7 Black (credit card) | |
As can be seen from the table, the holder of the simplest card must spend at least 420 thousand rubles to receive the required number of bonuses, and if there is a premium product S7 Black, it will be enough to spend 223 thousand rubles.
Product cost
Tariffs for credit card services
Tariffs for servicing debit cards
How to apply for a card
The package of necessary documents includes:
- To receive a debit card – passport;
- For a credit card - a passport; income certificate (2-NDFL, according to a bank template or in free form); additional document (driver's license, international passport, TIN certificate, compulsory medical insurance policy); document to increase the limit (license vehicle title for a personal car, voluntary health insurance policy).
Alfa Bank offers three ways to issue a selected debit or credit card:
- Online application Online financial organization;
- Personal visit to a bank branch;
- Order by phone at the Alfa-Consultant client center.
To receive it, just fill out the form using the chosen method and receive the finished card at the nearest Alfa-Bank branch upon presentation of the appropriate set of documents
The S7 Priority card from Alfa-Bank is a co-branded card designed for those who love to travel. Its release takes place within the framework of a project between Alfa-Bank and S7 Airlines, a well-known airline.
When making purchases paid for with the card, cardholders receive bonus miles. In addition, miles are credited for each flight made by S7 Airlines.
With the accumulated miles you can purchase tickets from S7 Airlines or the Oneworld airline alliance, which includes 12 leading air carriers in the world. In addition, in exchange for bonus miles, it is possible to upgrade the class of service.
Alfa Bank S7 Priority card is issued with payment system Visa in four categories: Green, Gold, Platinum, Platinum black. You can apply for both a credit card and a debit card.
Service tariffs
Terms of use debit cards
| Map type | Green | Gold | Platinum | Platinum Black |
|---|---|---|---|---|
| Annual maintenance cost | from 349 rub. | from 699 rub. | from 999 rub. | from 1850 rub. |
| Cost of card issue | 200 rub. | 450 rub. | 500 rub. | 500 rub. |
| Fee for cash withdrawals from third-party banks | 1% of the amount ( minimum amount– 150 rub.) | 1% of the amount (minimum amount – 150 rub.) | 1% of the amount (minimum amount – 150 rub.) | |
| Maximum cash out amount | 750 thousand per month | 1 million 250 thousand per month | 1 million 250 thousand per month | 750 thousand per month. |
Terms of use of credit cards
| Map type | Green | Gold | Platinum | Platinum Black |
|---|---|---|---|---|
| Maximum possible credit limit | 150 thousand rubles. | 300 thousand rubles. | 600 thousand rubles. | 600 thousand rubles. |
| Interest rate | 23,99-38,99% | 23,99-38,99% | 23,99-38,99% | 23,99-38,99% |
| Grace period | 60 days | 60 days | 60 days | 60 days |
| Payment for annual maintenance | 1990 rub. | 3990 rub. | 6990 rub. | 9990 rub. |
| Cash withdrawal fee | 6.9% (minimum cash withdrawal amount – 500 rub.) | 6.9% (minimum cash withdrawal amount – 500 rub.) | 6.9% (minimum cash withdrawal amount – 500 rub.) | |
| Fine for unpaid debt | 1% per day of the amount | 1% per day of the amount | 1% per day of the amount | 1% per day of the amount |
Each S7 Priority card, both debit and credit, has an electronic chip that provides additional protection Money. In addition, there is PayWave contactless payment technology.
How are bonus miles awarded?
Bonus miles are credited for paying for purchases with a card. The number of miles credited depends on the status of the credit card.
- Green card holders receive 1 mile for every 60 rubles spent. In addition, 500 welcome bonus miles are awarded once the card is activated.
- Those who have issued a Gold category card receive 1.25 miles for every 60 rubles spent. and 1000 welcome miles upon card activation.
- Those who have issued a Platinum card receive 1.5 miles for 60 rubles. When they activate the card, they receive 1,000 bonus miles as a welcome bonus.
- Owners Platinum cards Black returns 1.75 miles for every 60 rubles spent non-cash. They receive 1,000 miles as a welcome bonus.
To ensure that bonus miles do not expire, you must earn at least 500 miles every year.
Requirements for the borrower
Any citizen of the Russian Federation who has reached the age of 21 can apply for an S7 Priority credit card.
To issue a card, permanent registration of the borrower in the region in which the bank is located is required.
The required work experience in the last position is 3 months. A permanent source of income must be no less than 9 thousand rubles. per month.
If desired, you can provide documents on which the interest rate and credit limit will depend (2-NDFL certificate, car document, VHI policy, international passport with stamps confirming a trip abroad over the last year).
- Passport.
- Second document of your choice (passport, INN, SNILS, driver's license).
To apply for a card, you need to fill out an online application and then come to the bank branch indicated in the application form.
If you are a client of Alfa Bank, then you have the opportunity to issue a joint issue with S7 Airlines bank card. Its essence is to accumulate miles for daily purchases.
By paying for your regular expenses with this card, you will receive miles, which you can then exchange for a bonus flight. At first glance it may seem that this is a trifle, however, if your expenses are about 100,000 rubles. per month, then within a year you can accumulate miles for a flight from Moscow to Barcelona in business class.
How to earn miles
The number of miles depends on the status of your card. If the card is gold, then for every 60 rubles spent. You will receive 1.25 miles on your S7 bonus account; if the card is black, then 1.5 miles.
Thus, when spending 100,000 rubles. per month:
- With a gold card you will earn about 2,100 miles per month; about 25,000 miles per year.
- With a black card you will accumulate about 2,500 miles per month; about 30,000 miles per year.
How to spend miles
On the S7.ru website you need to select the “Pay with miles” item and find out the cost of the flight in miles on the route you need.
For example, let's look at the direction Moscow - Barcelona. The cost of such a flight at the Business Optimum fare will be 20,000 miles.
Please note that when paying with miles, you still need to pay taxes and fees in cash. On this route, taxes and fees will be 1,951 rubles.
Cost of participation in the loyalty program
In order to issue this bank card, you need to open one of the service packages at Alfa Bank (the cost of the service package depends on your monthly deposits).
Card service cost:
- Gold — 699 rub. in year;
- Black — 999 rub. in year;
My observations:
- I opened a card at Alfa Bank, since this bank allows you to switch the account currency, and other banks require you to open a separate card for each currency (hence, pay for each annual service). When I need to make purchases in rubles, I attach a ruble account to the card; when you need to pay in euros, I attach an invoice in euros and so on.
- It is much more profitable to exchange miles for business class flights, since this requires approximately 1.5 times more miles, and in monetary terms, basic economy can differ from business class by 2.5-3 times;
- Unfortunately, not all S7 flights allow you to get a ticket using miles. For example, on the Novosibirsk - Dubai flight, the website quite often does not provide a business class ticket for miles, and on the Moscow - Barcelona flight it does not provide the simplest “Basic Economy”.
- When purchasing a business class ticket in Moscow, you also receive an invitation to the business lounge.