Tinkoff Bank together with S7 airlines has released a line plastic cards with the name Tinkoff S7 Airlines. These cards allow you to accumulate miles for flights not only with C7 airlines but also with other airlines, pay for goods and services in stores and on the Internet, and also have the full functionality of regular cards.

What is needed for registration

Today, both debit and credit cards are available, and each card is issued in two categories: World and premium Black Edition. You can get a card by ordering it online; for a debit card you only need to provide your passport to a bank employee, and credit cards can be obtained if a number of conditions are met:

• Age from 18 years;
• Availability of registration in the region of the Bank's representative office;
• Work experience of at least 3 months at the last place of work at the time of application.

Private Tinkoff office allows you to remotely manage all services, including the Tinkoff S7 card, request statements, replenish it and select bonus benefits.

Differences between World and Black edition maps

For those who like to save money and travel comfortably, in addition to a credit card with a simple set of World options, a black card is offered, already known to many for its status based on past products from Tinkoff. By choosing a Black Edition product, the user gets the opportunity to be served by a personal manager, order a concierge service (this is something like a professional guide to cities while traveling), get access to business classes while waiting for a plane, and free insurance covering up to $50,000.

Increased charges are possible for Black category credit cards bonus miles for every transaction made using plastic, and the amount of credit coverage when purchasing a card is 2 times higher and amounts to 1,500,000 rubles versus 700,000.

The bank independently sets the loan amount, and if the debt is properly serviced and there are no delays, it can unilaterally raise the limit and reduce the loan rate.

By paying every 60 rubles on S7 flights, you can accumulate from 1.5 to 4 miles depending on the category of the offer; you can also receive up to 2 miles for every 60 rubles paid in stores.

If you have at least 6,000 miles, you can exchange them for a flight or part of it, or upgrade the lounge class or service level. You can also transfer miles in your personal account to friends if they don’t have enough to complete the flight.

Maintenance cost

All types of cards are personal and are issued free of charge with a subsequent fee for annual maintenance.

The cost of issuing and servicing cards depends on the category; for the World debit card category it will be 190 rubles per month, and if you have a minimum balance of 150,000 rubles, the procedure will be free. Under the same conditions, but with an increased commission for servicing the account, a premium category card is opened, and the cost of service will be 999 rubles per month.

For all cards worth over 3,000 rubles, free withdrawal of money from any ATM in the world, and the SMS notification service for transactions will cost 59 rubles per month.

Conditions for receiving a card

Borrowed money is issued from 18.9 to 29.9% per annum, and exact information can be obtained after approval of the credit card and depends on:

• The borrower's work experience;
• Official income;
• Income certificates in form 2_NDFL;
• Age.

The minimum amount to repay the loan is set at 8% of the debt amount, and there is a grace period - the period during which you can use bank funds without commission. Grace period is 55 days

SMS – transaction notification is paid and will cost 59 rubles per month for the service connected to one credit card.

For cash withdrawal transactions, the bank may charge a commission of 35.9 to 39.9%, depending on the location of the ATM and the amount of the transaction.

The cost of servicing a global credit card and a premium one will be 1,890 and 7,990 rubles, respectively, and additional cards for accounts with the ability to independently regulate financial flows will cost 590 and 3,990 rubles.

How to spend miles

When receiving any type of plastic card and activating it in your personal account on the website https://www.tinkoff.ru, the user can receive 12,000 welcome miles, which can be used to pay for flights and services in airport lounges.

When purchasing from the bank's retail partners, you can earn up to 18 miles when choosing certain special offers.

You can choose to pay with miles when you set the route and flight date on the carrier’s website.

Note that you can write off miles not only with S7, but also with many major airlines, such as Lufthanza and Air France.

In addition to redeeming miles for a flight, you can upgrade the class of the flight itself, select a specific seat in the cabin, and choose where to store your luggage.

For its clients and Tinkoff product holders, the airline holds closed ticket sales twice a year; you can receive an invitation if you fulfill all the conditions of an active participant bonus program per quarter. In addition, if these conditions are met, up to 25% of their value will be added to the mileage account.

All operations for purchasing tickets can be carried out not only using a laptop or computer, but also mobile devices by downloading Tinkoff applications on Google Play and AppStore.

Conclusion

The Tinkoff Bank S7 card is a good offer for those who like to travel a lot and comfortably. If we consider World category plastics, then the amount of service for them is quite comparable to what other retail banks offer.

Black cards of premium categories are distinguished by the ability for their owner to travel comfortably, regardless of where they are in the world.

You can receive a card in 1-2 days, with the ability to make purchases and acquire miles. The standard grace period will allow you to use the plastic card like a simple credit card, saving on flights from time to time.

In essence, a debit card is cash that belongs to a person, only transferred to a plastic medium and used in electronic version. Having access to the Internet and a card, its holder enters the “Personal Account” and can perform various financial transactions from there. This has become a necessary attribute of our time.

What is this

This product is plastic card with various details in the form of inscriptions and numbers. It has an electronic basis and is linked to a bank account. This is a tool with which the client will be able to operate with his own funds, accumulating and spending them as he pleases. For example, you can make transfers, make purchases in stores, replenish various accounts, both in your financial institution and in third-party institutions.

How to order

Most convenient way- placing an order online. The presence of the Internet today allows you to choose and receive a suitable banking product without even leaving your home. On the site you can look at the best offers, find out their features and characteristics in order to understand which S7 Priority Premium cards, according to the conditions, fully comply with the wishes of the consumer. Many financial institutions organize courier delivery of ready-made payment instruments to the recipient’s home or office.

Another option is to place an order directly at your nearest bank branch. Not the most optimal solution, fraught with significant loss of time.

Important nuances

Primsotsbank's S7 Priority Premium card is not as simple as it might seem. A good instrument issued by a reliable bank has several types of protection to protect the client’s money from theft and loss:

• chip. Not only protects, but also makes it possible to instantly contact the financial institution via an ATM or other device;
• magnetic strip for quick shopping;
• 3D-Secure. Technology that 100% protects the personal computer if the owner loses it or theft occurs.

Use of plastic

All details for online purchases and transfers are displayed on the card itself. It is for this reason that you should not show it to anyone again or send photos.

S7 Priority Premium card of Primsotsbank will allow the owner to withdraw cash from ATMs of their own and third-party financial institutions. To do this, the instrument is inserted into the device, the PIN code is entered and the specified amount is withdrawn.

PIN code is a security password consisting of four digits. It is most often used when withdrawing funds. If it is entered incorrectly three times, the machine will block and possibly confiscate the card. This is how the system protects client money from intruders.

Previously, S7’s partners were six banks. However, Unicredit Bank and Bank of Moscow stopped issuing airline cards. As a result, only three co-branded offers remained from Alfa Bank, Promsvyazbank and Tinkoff Bank. With a Raiffeisenbank card you can exchange bonus points for miles. You can accumulate miles on a Rosevrobank card by activating this option, for which you need to pay 61 rubles. per month.

To determine the most advantageous card a flight was taken from Moscow to Sochi and back. If you fly away on May 1, 2017, and return on May 9, then you need to pay 11,970 rubles for tickets. Members of the S7 Priority bonus program can buy a ticket for at least 16,000 miles (Promo tariff, without the ability to change dates). You will also have to pay taxes and fees - 3800 rubles.

The fastest way to earn 16,000 miles is by debit card. Tinkoff map jar. To do this, you will need to make purchases worth at least 640 thousand rubles. The downside of the card is the cost of its service – 2280 rubles. in year.

In second place is the Promsvyazbank card. To accumulate the required number of miles you will have to spend 768 thousand rubles. In third place is Alfa Bank with 930 thousand rubles.

The least profitable of all S7 partners was the Raiffeisenbank card, where the amount of expenses should be 1.29 million rubles. The problem is that to get 16,000 miles you need to exchange 18,000 bank points for 20,000 S7 miles. In this case, after the flight, 4,000 miles will remain free, which you can continue to save for future tickets. If you want to buy exactly 16,000 S7 miles, you will need to collect 32,500 Raiffeisenbank points.

How much do you need to spend to buy a ticket to Sochi?

	Bank - card	Maintenance cost per year	Accrual rate	How much do you need to spend to exchange for a Moscow-Sochi-Moscow ticket?	How many months to save if each person spends 30,000 rubles on a card?
		1.5 miles for every 60 rubles.	640 thousand rubles.
		1.25 miles for every 60 rubles.	768 thousand rubles.
		1 mile for every 60 rubles.	930 thousand rubles.
		1 mile for every 60 rubles.	960 thousand rubles.
		46.7-93 rub. (46.7 rubles in the first year, 93 rubles in subsequent years)	RUB 1.29 million

How to earn miles faster?

1. Choose a premium card. For example, at Alfa Bank, the Green card earns 1 mile for every 60 rubles spent, and the PlatinumBlack card earns 1.5 miles. The disadvantage of premium cards is the high cost of service. Platinum Black will cost 1850 rubles. in a year.
2. Make any purchases using a co-branded card. The more you spend, the faster you accumulate the required number of miles. Try to pay for others using your card. For example, let's go to a restaurant big company. Invite your friends to pay the bill with your card, and for them to transfer money to the card or give it in cash.
3. Spend more in special categories. For example, on the Tinkoff Bank BlackEdition card for every 60 rubles. you can get 4 miles when purchasing tickets on the S7 website and up to 18 miles when purchasing from bank partners.

How did you think?

The search for the most profitable card took place among S7 partners, who are listed on the official airline. Each bank selected debit cards with the lowest cost of service. The cost of service was indicated on the condition of storage and spending 30 thousand rubles. during billing period. If there is an increased account balance or other expenses, the service cost may not be charged. Calculation minimum amount spending to accumulate 16,000 miles to purchase a ticket took into account the maximum accrual of miles for everyday spending. Expenses in special categories for which increased mileage accrual for purchases were not taken into account due to the impossibility of predicting them. Banks award miles when rounding down the amount of purchases. For example, after spending 30 rubles on a card. The bank will not credit miles, but after spending 530 rubles, the bank will credit 8 miles (if each one costs 60 rubles).

How can I find out the number of miles accumulated under the S7 Priority program?

The number of miles accumulated can be found in the “My Miles” section in the program participant’s Personal Account on the website www.s7.ru.

How to earn miles faster?

The more often you pay for your daily purchases with your S7 Priority card, the more miles you earn. The higher the category of your payment card, the faster you will earn miles. You can also accumulate miles in the “S7 Priority” program by placing funds in the “Uletny” savings account. For every 200 rub. ($20 or €18) placed on the account during the month will earn 1 Mile.

How to use the miles received?

You can use the miles you receive on the website www.s7.ru. To do this, you need to go to your Personal Account and select the option to pay with miles. Login and password to log in Personal Area member of the S7 Priority program should have been sent to you by email after the card was issued. The cost of the flight in miles is indicated in the “S7 Priority” section / spend miles on the website www.s7.ru.

How soon are miles awarded for purchases?

Miles for card purchases are awarded once a month within 13 business days after the end of the calendar month. The number of miles accrued is reflected in your personal account on the website www.s7.ru.

For which card transactions are miles not awarded?

Miles are not awarded for cash withdrawals and bank commissions on the card, written off in accordance with the current tariffs. In addition, the bank does not award miles for transactions in casinos and sweepstakes; for the purchase of lottery tickets and bonds; on transactions made in favor of mutual funds, pawnshops; on transactions with financial institutions; for all transactions related to transfer Money to accounts/cards of Alfa-Bank JSC and other banks; for transactions related to the transfer of funds to increase the balance of electronic funds (Yandex.Money, WebMoney, etc.), for mobile payment transactions, for transactions related to the use of the card for commercial purposes: payment transactions goods and services for legal entities(for example, purchases of food products, furniture, etc. in large hypermarkets), for transactions made in METRO Cash&Carry, SELGROS Cash&Carry. Miles are also not credited for transactions made using an additional “S7 Priority” card issued to the main “S7 Priority” card account, if the additional card is not issued in the name of the main card holder. The Bank reserves the right to cancel erroneously accrued miles and change the list of transactions for which miles are not accrued.

Full list of Merchand ID codes for which miles are not awarded

Are miles rounded up when awarded?

Yes, when crediting miles, they are rounded up: part of the purchase amount on the card that is not a multiple of 60 rubles/1 dollar/1 euro is discarded. For example, for a purchase with a card in the amount of 150 rubles, 2 miles will be credited. If the card account is in foreign currency, then for a purchase in the amount of 5.5 dollars or euros, 5 miles will be credited, respectively.