Advantages and disadvantages of MasterCard Black Edition. Sberbank black card world mastercard black edition Set of requirements for the client side

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

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

The telephone number of the Mastercard Global Support Service in Russia is 8–800–555–02–69. Calls from landlines are free.

General Product Features

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

Mastercard Black Edition offers significant advantages. 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, access to business class airport lounges, regardless of the ticket class, airline and number of companions 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 visit;
emergency assistance in case of card loss;
free insurance for trips abroad with insurance coverage up to €71,000. Insurance for family members is possible 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 provides the following privileges:

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

An important privilege for owners of MasterCard World Black Edition is the free Concierge service from the payment system partner Aspire Lifestyles. Thanks to this service, many issues are resolved, including everyday ones, 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 call is free;
8 499 500-44-09 is the Moscow number for calls from abroad.

Offers from Russian banks

Sberbank

Sberbank issues Mastercard Black Edition under the following conditions:

the annual fee for using the card will be 4,900 rubles;
credit limit – up to 3 million rubles;
interest rate – 21.9% if the issue was carried out according to a pre-approved offer and 25.9% if according to a mass offer;
grace period – 50 days;
commission for receiving cash - 3% in Sberbank terminals and 4% when accessing devices of third-party organizations (minimum 390 rubles);
There is no provision for issuing an additional card.

Advantages:

large credit limit;
premium accrual of “Thank you” bonuses is up to 20 times greater than for other bank products.

Flaws:

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

UralSib

UralSib Bank provides the card under the following conditions:

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

Advantages:

loyal attitude to work experience - from 3 months at the last place of employment;
receiving cash at UralSib ATMs is free, and at 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 card holder reaches the age of 60 years, the contract is terminated.

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

"Alfa Bank"

Alfa Bank will provide a card with the following parameters:

debit card;
up to 7.5% cashback goes to the savings account;
withdrawing cash from the issuer's ATMs is free, from third-party banks - 1%;
account currency – rubles, euros or US dollars with the possibility of instantly relinking the card to an account in one currency or another.

Advantages:

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

Flaws:

the product is available either to existing bank clients or after connecting the “Maximum+” option;
you can withdraw no more than 3 million rubles from an ATM per month;
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 that are different from those available to cardholders in other countries. The effectiveness of using the product directly depends on the capabilities provided by the issuing bank. Accordingly, you 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 operates.

Mastercard Black Edition from Sberbank is aimed at users whose activities are concentrated mostly 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 will be useful for those who prefer to spend within the limits of the amounts available in their own account.

What is a credit card and how is it different from a debit card?

A credit card is a card for making purchases on credit. Unlike a debit card, which holds your own money, a credit card holds the bank's money. You can use this money to buy goods in stores and online. You can even transfer money to friends or family or withdraw cash from an ATM, but keep in mind that the bank will charge a fee for these transactions.

How to choose a credit card?

When choosing, pay first of all to the size of bonuses for purchases, the cost of service, the size of the credit limit and privileges from the payment system.

At what age can you get a Sberbank credit card?

Any Russian citizen aged 21 to 65 years inclusive with permanent or temporary registration in any locality of the country can apply for a credit card. The bank makes a decision on issuing a card and the size of the credit limit individually.

What is a pre-approved card offer and how do I know if there is one for me?

A pre-approved offer is an offer from a bank to issue a credit card with a pre-approved credit limit. If you receive such an offer, this means that the bank is highly likely to approve issuing you a card.

To find out if there is a pre-approved offer for you, . If there is an offer, you will immediately see the approved credit limit and preferential conditions. The card will be delivered to the branch of your choice.

How to start using a Sberbank credit card?

After receiving the card, first of all, make sure that your first and last name in Latin transcription is correctly indicated on its front side. Then sign your name on the reverse side in the signature line.

To start using the card, you need to activate it. Come up with and set a PIN code - a bank employee will tell you how to do this. Once the card is activated, you will be able to make purchases

How to pay by card in stores and online?

In the shop. Tell the cashier you are going to pay by card. Insert the card into the payment terminal and enter the PIN code. If you have a card with contactless payment, simply present it to the payment terminal. Purchases over 1,000 rubles require entering a PIN code. The cashier may also ask you to sign a check.

In the Internet. On the payment page in the online store, enter your card details. To confirm payment, an SMS with a code will be sent to your phone. Be careful: you do not need to enter a PIN code when paying online - it is dangerous.

How to pay interest on a Sberbank credit card?

Interest for using credit funds is debited from the card automatically, so you don’t need to do anything special for this. But if you manage to return the money during the grace period, which lasts from 20 to 50 days, you will not have to pay interest.

How to avoid credit card interest?

To avoid paying interest, try to repay the purchase balance within the interest-free period.

For example, the report date for your card is October 1, which means the grace period begins on October 2. If you made a purchase on October 2, you have 50 days to repay the loan without interest, that is, until November 21. If you make a purchase on October 20, then there are 32 days left until November 21 to repay the full amount of the debt without interest.

What transactions are not covered by the grace period?

The grace period does not apply to the amounts of cash withdrawal transactions, transactions in casinos and sweepstakes, payments for online games, purchases of foreign or cryptocurrency, traveler's checks, lottery tickets, non-cash transfers, including transfers to electronic wallets, as well as amounts exceeding the limit loan.

Where can I find out the date of my credit card statement?

There are three ways to find the credit card statement date:

On your credit card report. The card report is sent monthly by email the day after the report date.

In your Sberbank Online personal account. In the Cards section, select your credit card, and then click the Card Information tab.

Call the 24-hour contact center at any of the numbers: 900- for subscribers of MTS, Beeline, Megafon and Tele2 in Russia. Free when in your home region and in intranet roaming.

8 800 555-55-50 (free in Russia)

+7 495 500-55-50 (for calls from anywhere in the world)

How to top up a credit card?

You can top up your credit card in several ways:
1. Transfer from a salary card to Sberbank Online or through an ATM.
2. Top up the card with cash through an ATM or with the help of an employee at the Sberbank office.
3. Transfer from a card of another bank to, as well as in the Sberbank Online mobile application.
4. You can top up a blocked credit card to or arrange a transfer from a third-party bank account.

Crediting the transferred amount to a credit card in the Bank's internal network - from 15 minutes, but no later than the next business day.
Replenishment from cards/accounts of third-party banks - no later than the business day following the day the funds are received by the bank.

Is it possible to transfer money from a Sberbank credit card?

Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - yours or any other client.

Please note that for transfers from a credit card a commission is charged in accordance with the Bank's tariffs, including when transferring your own funds. .

How to increase the credit limit on a card?

The decision to increase the credit limit is made by the bank. If you actively use the card, the bank may decide to increase the credit limit amount. If you have not used a credit card for a long time or have not used it actively, the bank may offer the client to reduce the limit on the credit card. Such offers usually come via SMS.

All banking products operate on the basis of payment systems (PS). Those, in turn, begin to divide into classes. The privileges, pros and cons that the payment system provides, as well as the cost of annual service depend on the class level of the bank card.

In this article we will talk about the Mastercard Black Edition product. The black card belongs to the highest class - “Premium” with exclusive offers from PS. The privileged group also includes Platinum, plastic Infinite and World Elite.

Features, advantages and benefits

World Mastercard Black Edition “Premier” – has a high class of service and is usually issued and issued only to VIP clients. Today, banks have begun to issue these cards to anyone who wants them. Such products are typically used by travelers and highly privileged businessmen who have multi-million dollar accounts with the issuing bank.

Possibility of opening a credit account with a limit of several million.
Black Edition in most cases has free SMS banking (not in all banks).
The interest rate on the loan is below average.
The opportunity to insure yourself and your loved ones for free when traveling.
A personal manager who will advise the client on bank accounts at any time.
Participation in discount programs from credit institutions and the MasterCard payment system.
Emergency cash withdrawal abroad if the card has been lost. Issued at any bank.
Upon presentation of the card, you can receive Priority Pass privileges. This makes it possible to visit the business lounges of almost any airport on the planet.
Buying tickets at discounted prices. To various events around the world.
The Nielsen Club service gives you the opportunity to travel anywhere in the world along any route.
High ceiling on daily and monthly cash withdrawal limits. Up to several million.
Possibility to open a multi-account: in rubles, euros or US dollars.

NOTE! You need to understand that some advantages and privileges may be curtailed by the bank itself and may differ depending on the institution where the MasterCard PS product was issued.

Minuses

Very expensive annual maintenance.
It makes sense to apply only to wealthy clients in order to receive maximum privileges.

MTS

If the amount on the balance is more than 400 thousand or the amount of purchases is more than 100 thousand, then the service is free.

BINBANK AirMiles

Bonus program “My Travels”. 1% on everything, 7% for purchases in the “AIR TRAVEL” category.
Remuneration is no more than 10 thousand rubles per month.

BINBANK SVO Club Premium

A similar program as for the previous card.
Additional bonus program: 10% on purchases at Duty Free, but only at Sheremetyevo.
10% discount when paying a bill at Shokoladnitsa

Tinkoff Black Edition

Refunds are in progress: 5% in the selected category of goods or services, 1% for everything and up to 30% from the bank’s partners on special offers. proposals.

Orange Premium Club – Promsvyazbank

Free service if there is an amount of at least 2,000,000 rubles on the account. Or 1,000,000 with a purchase amount over the last 30 days of at least 50,000 rubles.

Booking flight tickets, car rentals, etc. makes it possible to accumulate miles. 1.5 miles for every 30 wooden spent, and 15 for every 67 rubles on the iGlobe.ru website.
With your first purchase you get 2500 welcome points.

Privileged black Master card product with a bonus program. 2 points for every 60 rubles spent.
Bonuses or miles can be spent on tickets in two companies: Aeroflot and SkyTeam.

"Harvest" bonus program. 1.5 points per 1000 rubles spent.
The maximum number of points per month is 10 thousand.

Terms of receipt and use

At this time, banks do not impose strict conditions. Since if an ordinary client takes it, the bank will receive benefits from expensive services. So it’s not worth buying it and registering it only “for antlers.”

Bottom line

Let's take a look at the black products of different banks. You may notice that the conditions offered by credit institutions are not so heavenly. It is worth paying attention to cards with income programs. They will allow you to accumulate money with a residual balance. Funds flow in monthly in the equivalent of annual interest.

What is a credit card and how is it different from a debit card?

How to choose a credit card?

When choosing, pay first of all to the size of bonuses for purchases, the cost of service, the size of the credit limit and privileges from the payment system.

At what age can you get a Sberbank credit card?

What is a pre-approved card offer and how do I know if there is one for me?

How to start using a Sberbank credit card?

To start using the card, you need to activate it. Come up with and set a PIN code - a bank employee will tell you how to do this. Once the card is activated, you will be able to make purchases

How to pay by card in stores and online?

How to pay interest on a Sberbank credit card?

How to avoid credit card interest?

To avoid paying interest, try to repay the purchase balance within the interest-free period.

What transactions are not covered by the grace period?

Where can I find out the date of my credit card statement?

There are three ways to find the credit card statement date:

On your credit card report. The card report is sent monthly by email the day after the report date.

In your Sberbank Online personal account. In the Cards section, select your credit card, and then click the Card Information tab.

Call the 24-hour contact center at any of the numbers: 900- for subscribers of MTS, Beeline, Megafon and Tele2 in Russia. Free when in your home region and in intranet roaming.

8 800 555-55-50 (free in Russia)

+7 495 500-55-50 (for calls from anywhere in the world)

How to top up a credit card?

Is it possible to transfer money from a Sberbank credit card?

Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - yours or any other client.

Please note that for transfers from a credit card a commission is charged in accordance with the Bank's tariffs, including when transferring your own funds. .

How to increase the credit limit on a card?

The black Sberbank card elegantly complements its owner's wallet and other accessories. Its maintenance costs an order of magnitude more than classic and gold products.

This plastic opens up additional possibilities.

Who is this product beneficial for? For everyone who pays by card monthly from 3,600 rubles in supermarkets and the same amount at gas stations.

Cashback from the indicated amounts fully covers the cost of annual service. Everything spent above that brings net profit.

Let's figure out how clients can get the most out of a black credit card. What exactly makes it premium?

Description of the card class

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 bank's perspective, the differences in service between Platinum and Signature/Black Edition are minimal. The fundamental difference is that platinum cards are classified as debit cards, while the latter are classified as credit cards.

However, payment systems offer holders of such credit cards a number of additional opportunities comparable to the elite level:

	Platinum	Signature/Black Edition	Infinite/World Elite
Cost of annual maintenance, rub.	4900		30000 / 70000
Cash withdrawal limits	Daily allowance, monthly		The only limit is 30 million rubles. per month.
Transaction fees	Charged		There are practically no tariffs.
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 rub.	For free
Increased cashback	Always		For expenses on the card exceeding 150 thousand rubles. in the previous month
Gas station, taxi	10%		-
Cafes and restaurants	5%		10%
Supermarkets	1,5%		5%
Travel Privileges	Discounts at airports (luggage 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 Visa side - extended insurance for those traveling abroad.
Concierge service	Not included in price	Visa has it

Sberbank offers Visa Signature and MasterCard Black Edition cardholders the same service:

cashless payment in stores in all countries;
payment of utility bills, taxes, fines, cellular communications and others;
withdrawing cash from an ATM with a commission;
accrual of increased cashback Thank you;
remote access to accounts.

The difference between the two products is not noticeable in everyday life, but it is there. Especially noticeable when traveling.

Visa Signature

The payment system provides the following opportunities for its Signature holders:

24-hour 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 a Visa, provided their value is over $50 and there is a manufacturer’s warranty of 1 year;
extended risk insurance when traveling abroad;
24-hour concierge who, at the client’s request, books tickets, tables in restaurants and other services;
free admission to cultural events, entry to which is available only to premium Visa holders;
discounts and other privileges on goods and services of numerous Visa partners, including shops, entertainment venues, hotels, and transport services.

The Sberbank Visa Signature card is especially popular among travelers because of its insurance. 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 a regular Sberbank status card:

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 limit on cash withdrawal, rub.	500 thousand	300 thousand
Cashback	Only miles that are spent at special internal rates for goods and services of Aeroflot and its partners.		"Spasibo", the exchange rate of which is equal to the ruble, is accepted by Sberbank partners

Co-branded cards offer holders the following services:

cashless payment;
withdrawing cash from an ATM (from a credit card with a commission);
Visa privileges (medical assistance, insurance abroad, concierge, partner discounts, double guarantee, creative weekends);
profitable cashback accrual by the carrier.

Aeroflot premium Visas earn 2 miles for every 60 rubles spent when paying with plastic.

Example for clarity:

An economy class ticket from Moscow to Vienna costs 12,500 miles when purchased 2 weeks in advance, with an additional fee of approximately 3,800 rubles. The same ticket when paid in cash costs 13,103 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 cost of the ticket minus fees is approximately 9,300 rubles. (13103-3800=9303);

1 ruble corresponds to less than 1.5 miles (12500/9300=1.34);

bonuses in miles 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 that are closely related to air travel and tourism. There are some restrictions, for example on roundtrip flights.

MasterCard World Black Edition

The international MasterCard system provides its premium clients with waiting for international flights in comfortable lounges. However, they are not available at all airports. In Russia, such a hall is currently only available in Terminal E of Sheremetyevo. Holders of MasterCard World Black Edition of Sberbank also have access to other services of the payment system:

technical support 24/7 all over the world;
incentives in the form of discounts on purchases in stores, cafes, and entertainment venues;
attractive cashback from MasterCard Rewards, which can be exchanged at a favorable rate for certificates from chain stores, as well as for exclusive products presented on the program website.

Debit

MasterCard World Black Edition and Visa Signature are issued by Sberbank only in the form of credit cards. A brief description of alternatives among debit cards:

Visa Signature Aeroflot – service 12 thousand rubles annually;

Profitable cashback for frequent fliers;
— unjustified costs for infrequent travelers;

Platinum Visa and MasterCard - the cost of service is the same 4900 rubles per year;

Plastic allows you to withdraw cash from an ATM without commission up to 500 thousand rubles. per day;
— fewer privileges from payment systems;

Infinite Visa and MC WorldElite – fee 30 or 70 thousand every year;

No commissions, the only limit is cash withdrawal of 30 million rubles. per month;
+ maximum cashback Thank you;
+ maximum level of privileges from Visa, MasterCard;
— guaranteed profitability of plastic for non-cash payments from 150 thousand rubles. per month.

Credit

Black credit cards at Sberbank are issued on an individual basis for existing clients with a positive history, as well as on a mass basis for those applying for the first time.

The main difference concerns the size of the loan rate. 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, other things being equal, existing customers receive an offer with a higher amount.

Conditions

Let's summarize what was described above:

maintenance 4900 rubles per year;
validity period 3 years;
credit limit within 3 million rubles;
the loan rate is 21.9% for a pre-approved offer, 25.9% for a mass offer;
penalty 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 elite products.

Maintenance cost

If you register yourself, the product costs 4,900 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 payment transactions in the previous month in the amount of 80 thousand rubles or more. If the amount has not been reached, the point value corresponds to the standard plastic offer.

Sberbank Premier is a range of services within which privileged clients receive:

+0.8% to rates on deposits from 1 million rubles;
favorable exchange rates;
discount on safe storage;
Priority Pass, which gives access to a network of VIP lounges at airports;
extended family insurance when traveling abroad;
remote consultations with doctors from leading clinics in the world;
increased level of service in the bank;
filling out 3-NDFL.

The service package costs:

2500 rubles per month on a general basis;
free trial period 2 months;
free of charge if the total balance on all client accounts with Sberbank at the end of the month is over 2.5 million rubles.

Cash withdrawal limit

The maximum amount available for cashing is 300 thousand rubles. per day. Within this amount, you can receive up to:

100 thousand at Sberbank ATMs;
300 thousand in its box office;
300 thousand at cash desks and ATMs of third-party banks.

To withdraw cash from a credit card, you need to 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 in taxis Yandex, Gett - 10%;
in a cafe – 5%;
in supermarkets – 1.5%.

Additionally, stores participating in the Thank You program award up to 30% bonuses. For any purchases, cashback is at least 0.5%.

Payment systems have their own partners.

The visa offers discounts and privileges for travelers: hotels, outlets, tourist trips.
MasterCard holders save money in cinemas, shops, cafes. The system also allows you to connect profitable cashback, which is exchanged for certificates from popular chain stores.

Lists of partners and promotions change frequently. Check out the latest information on the websites of banks and payment systems.

How to get

Clients with incomes significantly above average and a positive history with Sberbank receive a pre-approved offer at the initiative of the bank. Information is provided through your 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 reply SMS, or a personal visit. You can pick up the finished plastic on the appointed day by presenting your passport.

On your own initiative, you can leave an application in a branch or on the website by clicking on the “Apply card” button on the product page. Next, follow the instructions of the system. The algorithm will differ depending on whether you receive your salary through Sberbank or whether you have mobile and online banking connected. You may need to visit the office in person with proof of income.

The bank will inform you via SMS about the issuance decision. If it is positive, you will be given an estimated date of receipt. Later you will receive an SMS notification that it is ready for pickup.

Pros and cons of the card

The unconditional 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.

Disadvantages include cost-related issues:

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 thousand rubles a week on gasoline. The product can be called an economical version of luxury products. The holder has access to Infinity Visa and World Elite MasterCard privileges at the price of platinum cards.