The Mastercard Black Edition credit card is a premium product payment system mastercard. Holders of such cards are entitled to count on a number of preferences. This is a luxury product designed for business owners and active travelers.

The blank card is made of special carbon fiber and has an original laconic design.

The phone number of the Mastercard Global Help Desk in Russia is 8–800–555–02–69. Calls from landlines are free.

General Product Specifications

An important advantage of the Mastercard Black Edition is that its owner has the right to be served at the offices of the issuing bank in the VIP lounges. Calls to the call center are accepted on a special, dedicated line, and the service is handled by a personal manager.

Mastercard Black Edition is a significant advantage. Cardholders from domestic issuers can count on:

• credit limit of about 1 million rubles;
• moderate interest rates;
• extended grace period;
• participation in bonus programs;
• incentives and discounts up to 30% for the purchase of certain goods and services;
• Priority Pass, that is, a pass to the lounges of business class airports, regardless of the ticket class, airline and the number of satellites of the card holder. The cost of the service is about $30 per person. Payment is debited from the card account within 2 months from the date of the visit;
• emergency assistance in case of loss of the card;
• free travel insurance with coverage up to €71,000. Family members can be insured at reduced rates;
• free visas in some countries;
• use of PayPass contactless payment technology;
• protection of online purchases Mastercard SecureCode;
• preferential or free access to SMS services and Internet banking.

Premium Services

MasterCard Black Edition gives you the following privileges:

• World status guarantees the owner a VIP service in any developed country;
• participation in the Priceless Cities program, thanks to which you can purchase tickets for cultural events at reduced prices and use VIP boxes from MasterCard;
• opens access to the services of the Nielsen Club, which will allow you to order the organization of a trip of any degree of complexity along any route.

An important privilege for MasterCard World Black Edition holders is free services Concierge service from the partner of the payment system Aspire Lifestyles. Thanks to this service, many issues, including everyday ones, are solved, even if the problem arose abroad.

You can call the Concierge Service by phone:

• 8 800 700-44-09, if the call comes from any city in Russia, then the connection is free;
• 8 499 500-44-09 is the Moscow number for calls from abroad.

Offers of Russian banks

Sberbank

Sberbank issues Mastercard Black Edition on the following terms:

• the annual fee for using the card will be 4,900 rubles;
• credit limit - up to 3 million rubles;
• the interest rate is 21.9% if the issue is made under a pre-approved offer and 25.9% if under a mass offer;
• grace period - 50 days;
• commission for receiving cash - 3% at Sberbank terminals and 4% when accessing machines third parties(minimum 390 rubles);
• issuance of an additional card is not provided.

Advantages:

• large credit limit;
• up to 20 times more premium accrual of "Thank you" bonuses than for other products of the bank.

Flaws:

• account currency - only Russian ruble;
• the presence of age restrictions - from 21 to 65 years;
• work experience is required - at least 1 year in the last 5 years, but with the last employer at least 6 months.

UralSib

IN Bank UralSib The card is provided subject to the following conditions:

• annual maintenance of both the main card and the additional one - 6,000 rubles;
• credit limit - 10,000 - 500,000 rubles;
• grace period - up to 2 months;
• interest rate - from 23.9%.

Advantages:

• loyalty to the length of service - from 3 months at the last place of employment;
• cash withdrawal at UralSib ATMs is free of charge, and in self-service devices of other companies, the commission will be 0.7%;
• account currency - rubles, euros or US dollars.

Flaws:

• the minimum age of the borrower is 25 years;
• when the cardholder reaches the age of 60, the contract is terminated.

Reissue (in case of loss, at the end of the validity period) is paid - 6,000 rubles.

"Alfa Bank"

In Alfa-Bank, the card will be provided with the following parameters:

• debit card;
• up to 7.5% cashback is credited to the savings account;
• cash withdrawal from the issuer's ATMs - free of charge, third-party banks - 1%;
• account currency - rubles, euros or US dollars with the ability to instantly relink the card to an account in a particular currency.

Advantages:

• 4 times a year you can get cash abroad for free;
• at an ATM you can get up to 600,000 rubles per day.

Flaws:

• the product is available either to existing customers of the bank, or after connecting the "Maximum +" option;
• a month you can get no more than 3 million rubles at an ATM;
• very expensive annual maintenance - 33,000 rubles in the first year of ownership and 36,000 rubles in the second.

Summary

In Russia, Mastercard Black Edition holders are provided with discounts, preferential interest rates and other preferences on terms different from those available to cardholders in other countries. The effectiveness of using the product directly depends on the opportunities provided by the issuing bank. Accordingly, one should not hope that the registration of an elite product in a local bank will bring real benefits.

To obtain a card, it is often necessary to have Russian citizenship and registration (temporary or permanent) in the region where the bank is present.

Mastercard Black Edition from Sberbank is aimed at users whose activities are mostly concentrated in Russia. UralSib's offer is interesting for those who often travel to countries where payments are made in euros or US dollars. A card from Alfa-Bank is useful for those who prefer to spend within the limits of the amounts available on their own account.

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 in everyday life is not very 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.

The Visa Signature card of Sberbank is especially popular with travelers because of its insurance. Annual maintenance 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.

Premium Visa Aeroflot 2 miles are credited 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 at 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 positive story, as well as by mass - 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, maximum size 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 in 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.

1. Visa offers discounts and privileges for travelers: hotels, outlets, tourist trips.
2. 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. Information is provided through personal online account, SMS or when visiting the 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.

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 ordinary and premium cards of these payment systems provide the user with benefits that can satisfy any choice. One of the unique products is world map 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:

1. Contactless payments and transfers with MoneySend.
2. Protection against hacking SecureCode.
3. Shopping online with MasterPass technology.
4. Business lounges on preferential terms.
5. Translations on VKontakte and Odnoklassniki.
6. Preferential payment of loans.
7. Bonus program MasterCard Rewards.
8. All conveniences of use 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:

1. Transfers between cards via the Internet / mobile bank, ATM or mobile phone.
2. Withdrawal through any ATM, Russian Post website and systems money transfers.
3. By card number in mobile phone stores, points of money transfer systems, Russian Post offices and terminals.
4. 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.

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 privileges does the Mastercard World Black Edition card give?

It is very easy to evaluate plus 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 for contactless technology paypass.
• 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.

Mastercard Black Edition - discounts

With a mastercard black edition you can get a discount on:

• Yandex Taxi, payment for fuel in Yandex Navigator;
• purchases in online stores;
• and etc.

Concierge Service

Mastercard World Black Edition provides a personal concierge service. He will inform important information about planned events and, if necessary, will 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 with Priority programs pass. 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 disturb you!

Priority Pass from Mastercard black edition is:

• Several hundred rooms high level in over 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.

Get up to 5 premium debit cards Mastercard World Black Edition Premier and Visa Platinum Premier is available 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, 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 Mastercards World Black Edition of Sberbank is an opportunity to accumulate bonuses when participating in bonus program"Thank you from Sberbank." For each bonus Thank you, you get 1 ruble.