Premium direct conditions. Raiffeisen premium banking

Plastic payment cards have long and firmly entered the daily activities of Russian citizens. Many people habitually call them "credit cards", but, according to statistics, only a quarter of all tools in force today give access to borrowed funds. Everything else is debit cards. You need to understand what they are, what operations they allow you to perform and how they differ from credit cards.

Tool description

Most people's wallets contain at least one debit card. It is a banking instrument through which cashless payment, and additionally used various technical means(ATMs, terminals, online banking, etc.). The Premium Direct card of Raiffeisenbank allows a person to manage only his own money placed on the account.

Its main difference from a credit card is the ability to operate with your own money, and not with those borrowed from a financial institution. What other differences exist:

• more affordable service rates;
• interest-free or very cheap cash withdrawal from the account;
• the ability to charge interest on the remaining money;
• anyone can easily order this card.

How to issue

To get plastic, it is enough to have a passport and access to the Internet (if online registration is selected). Any Russian citizen who is already 14 years old can apply to the bank.

When the applicant has submitted an application via the Internet, he will either have to come to the Federal District once, or not come at all if he has chosen to have the card delivered by courier.

Raiffeisenbank's Premium Direct takes up to two weeks to produce. Naturally, you will need to conclude an agreement with financial institution that establishes the rights and obligations of each participant in the transaction.

Why is it convenient

The product has many undeniable advantages that attract such a number of consumers:

• practicality. All the money is with the owner, but it does not take up any space. Internet banking will allow you to constantly keep track of profits and expenses, if necessary, even receive statements;
• safety. The lost card is instantly blocked;
• benefit. The service fee is minimal, but for this money the client receives additional income(interest on the balance), cashback, various bonuses and discounts;
• speed. Payments go through in a matter of seconds, it doesn’t matter where exactly they are sent;
• convenience. When traveling abroad, you do not need to take a pack of banknotes with you and declare it at customs.

When choosing, it is recommended to go to the site and read absolutely all the information about the financial statements and products of interest. For example, Special attention it is worth paying attention to the reputation of the bank. With our site, the procedure will be simplified as much as possible, because you simply will not find market representatives with a dubious reputation here. A user who selects a Premium Direct card according to the conditions and attractive characteristics through the site will definitely conclude a very successful deal and will only benefit from cooperation with the company.

Banking products have become ingrained in the lives of almost everyone modern man. For example, cards are a very convenient means of non-cash payments, and their debit varieties are especially popular. Naturally, before making a specific option, a potential client needs to take into account the main points, which are sometimes quite a lot.

Definition

So, banking organization issues a payment plastic card intended for settlements at the expense of funds belonging to the client. Their person places on this account independently, the amount that he has.

Raiffeisenbank's Buy&Fly WBE debit card is a piece of plastic measuring 85.6×53.98 mm. Some FIs offer to get it in a different format, for example, one that can be built into a keychain and carried with you at all times. Both registered and unnamed instruments are issued various systems(Visa, MasterCard, MIR).

Cards of any type Russian Federation equipped with special chips for data storage. Some of them also have a magnetic strip to match older devices.

How to make a choice

Financial institutions offer potential clients a variety of products, and sorting out such a wide range is not so easy. What points you should definitely pay attention to:

• cashback;
• interest on the balance;
• the cost of annual maintenance;
• issuing bank;
• methods of depositing and withdrawing cash;
• the amount of commission fees;
• the availability of an overdraft, the conditions for it;
• the ability to create an individual design of plastic.

What are the advantages

The Buy&Fly WBE card of Raiffeisenbank is a profitable and convenient tool for paying for everything that its owner needs. This product has many advantages:

• Additional savings due to various options.
• Increased security.
• Convenience of paying for purchases in online stores.
• Even greater privileges for those who choose VIP plastic.
• The ability to receive cash and make payments anywhere in the world.
• Quality and affordable service.

About Usage

To make a payment in a store, it is enough to insert the card into the terminal or bring it to the reader ( contactless payment). To make paying even more convenient, you can link the instrument to a mobile payment system.

In online stores, on the corresponding page, the required details are indicated and, if necessary, a one-time password from SMS is entered.

Cash is withdrawn from ATMs and cash desks. In this case, the client specifies a PIN, and then follows the prompts of the device or operator.

Parameters for various available products are conveniently displayed on one page. The user sees all the details and can immediately match them to highlight suitable options. The necessary calculations are carried out on the online calculator, located right there. After completing the search, the site visitor presses the "Online Application" button and proceeds to fill out the form.

The traditions of banking require the ability not only to communicate with the client, but also to create special conditions for him, individual solutions in the form of special products. In such cases, the principle of mutual benefit works - the bank makes offers to those who bring stable profits or take an active part in the circulation of funds.

RaiffeisenBank has two such service programs with enhanced service - these are two Premium class products.

Premium DIRECT

The Premium DIRECT service system is designed for an active user who is ready to travel a lot, move on business and constantly resort to various banking instruments from card loans to cash receipts and payments.

The cost of using the Premium Direct program per month is only one and a half thousand rubles, but the conditions for the provision of services allow you to do without this fee. It is enough to show activity in several directions - and the system starts working for free:

• if the balance of using the bank's products for the month is more than one million rubles;
• if you bring the balance on the use of products to 500 thousand rubles a month and carry out transactions with bank cards for 25 thousand rubles;
• if your monthly transactions with bank cards amount to 75 thousand rubles.

The conditions are not very burdensome, but in return you get a premium banking services as:

• five types of premium cards "Visa" and "MasterCard Platinum";
• three premium credit cards;
• mileage system for flights with Austrian Airlines;
• the ability to transfer rubles in the Raiffeisen Connect system (Internet banking) or use payment orders;
• insure yourself and family members while traveling on preferential terms;
• enjoy 20% discounts when renting bank cells.

The bank information center allocates you a separate channel for support with a personal manager. The telephone becomes a convenient means of constant communication with a financial advisor. When traveling, the “Concierge Premium” system becomes an assistant, which allows you to simply order and book rooms, tickets, call a taxi and solve all transport issues.

The client has the opportunity to plan their expenses and forecast financial position using banking analytics tools is an important nuance for a business person. RaiffeisenBank offers premium customers additional offers and individual discounts for other services and privileges for making deposits.

Premium Banking

Service under the Premium Banking system corresponds to services of the priority pass category - for privileged clients. The package is paid - its cost per month is five thousand rubles, but the bank provides an opportunity free use. For this it is enough:

• the total balance of the use of bank products for one million rubles per month and purchases for 25 thousand rubles using premium Raiffeisen cards jar;
• maintaining a monthly balance of two million rubles a month.

An actively traveling client of the Premium Banking system receives service with privileges:

• the opportunity to use business and first class lounges at airports (total 700 facilities in a hundred countries, including Moscow airports) for free with your companions, regardless of ticket category;
• preferential terms under the “European Travel Insurance” system with a full range of insurance services and emergency assistance in case of diseases, injuries, accidents while traveling with coverage medical expenses;
• access to the services of the Concierge Premium program, which allows you to book and buy air tickets, hotel rooms, use the services of meeting at airports, calling an interpreter and other amenities important for the traveler;
• system callback from the bank to anywhere in the world to save money on communication with support;
• usage favorable exchange rate currency conversion via R-Connect (Internet banking);
• the possibility of withdrawing cash without interest and emergency cash withdrawal in case of loss of a card in most countries of the world.

Even with the monthly payment of a commission for services in the amount of 5,000 rubles, these offers are the most profitable when traveling. Feedback from RaiffeisenBank customers using these premium packages is generally positive. The bank promptly responds to requests and provides clear explanations on all issues.

Premium service is available in every financial and credit institution. To do right choice, it is important to understand two things - a set of services and privileges and the quality of staff service in the premium segment of a particular bank. Let's analyze how well Raiffeisenbank Premium does it.

Premium service at Raiffeisenbank

The bank has only two service packages that belong to the Premium level:

• Direct (aka Premium Direct);
• Premium 5 (aka Premium Banking).

There are no restrictions on registration - there are no requirements for the minimum capital, the use of other bank services, etc. But they are presented to everyone who wants to use the services of premium packages for free.

Services and tariffs of Premium 5 package

The standard package maintenance fee is 5,000 rubles/month.

No fee is charged if one of the following conditions is met during the billing period:

In addition, from subscription fee will save you:

*** For the fulfillment of any of the conditions listed in the table, 1 point is awarded, for exceeding twice - 2 points, etc.

The first month will always be free, but then you will have to choose which of the options (1 condition and a permanent set of stars) will take into account your activity to cancel monthly payments.

A set of services and services Premium banking

Under the terms of the allocated programs, it is accepted that premium clients, in addition to standard services,

In Premium Banking, as free perks, customers are entitled to:

• Priority Pass card unlimited - you can visit any halls included in the program ( complete list on prioritypass.com ) an unlimited number of times and bring an unlimited number of guests with you. The only caveat in this system is that halls can set limits on their own, depending on the occupancy of the room (which is often complained about in reviews). PP is not allowed in the Premium Direct package.
• Platinum insurance policy for travelers from the Alfa-Insurance partner - the amount of security up to 100 thousand euros in specific cases, applies to the whole family after crossing the border of the country of residence and is valid for the first 30 days of the trip. The terms of the policy in the Raiffeisenbank Premium Direct package are similar.

• Concierge service is mainly a solution to current problems - booking hotels and tickets, meeting at airports, roadside assistance (for example, car evacuation), etc. According to reviews, while this service at Raiffeisenbank copes with its tasks for the top three.
• Separate: a telephone line and a service room - Premium Banking has equipped rooms where there are no queues and reception and servicing of all banking operations are carried out. Premium Direct only has a dedicated phone number for communication.
• Financial advice - you can contact us with any question regarding the placement or management of your money in order to get a professional assessment of the situation. The result of work in this direction, of course, depends on the competencies of your assistant.

Raiffeisenbank Premium cards

In the Raiffeisenbank Premium 5 package, you can open up to 10 debit cards without a monthly service fee (excluding Buy&Fly, which costs 299 rubles/monthly).

Credit cards limited only by your ability to pay.

In general, the choice of possible products in the Premium banking segment is small.

Debit:

• Visa Platinum;
• MasterCard World Black Edition;
• MasterCard Buy&Fly WBE (accumulation of miles for subsequent exchange for tickets, hotel reservations, etc.).

Raiffeisenbank premium payment cards have increased cash withdrawal limits - 0.5 million rubles/day, 3 million rubles/month, free emergency withdrawal cash abroad and SMS bank as a gift.

• Visa Platinum Travel - accumulation of miles for subsequent spending on Iglobe.ru
• MasterCard WBE Austrian Airlines - accumulation of bonuses for flights with specific airlines.

Lending terms

The use of borrowed funds by Premium Banking customers does not differ much from the standard ones, just like the owners.

Credit cards are issued at a fixed percentage - 29% per annum and have increased limit- up to 1 million rubles Otherwise, the conditions are identical to the standard offers - grace period up to 52 days, and cash withdrawals increase the rate to 39%.

Bets on customer credit start from 11.99%, and the limit is limited to 5 or 9 million rubles (depending on the presence / absence of collateral).

Placement of funds and profitability

Not to say that Raiffeisenbank Premium Banking offers excellent conditions for increasing your savings in standard ways - the yield on deposits and savings accounts ranges from 4.5-6%.

According to reviews, mutual funds are more attractive in Raiffeisenbank Premium, which are distinguished by their stability and profitability, trust and brokerage management, which provides more opportunities to use financial potential and increase income.

Differences of the Raiffeisenbank Premium Direct package

Fundamentally, Direct differs from the Premium package:

• Cost and terms of payment. The base rate is 1500 rubles/month, but the financial activity requirements for free service are lower:

• Quantity free cards Incoming package - total 5 pcs. The release of subsequent ones will cost 3 thousand rubles for each.
• By category of cards - the Raiffeisenbank Direct package has only Platinum.
• The lack of a map Priority Pass.
• Lack of separate service rooms.

Otherwise, the terms of service are the same - an individual phone number for communication, concierge service, the ability to get credit for favorable conditions, interest rates on deposits at the level of 4.5-6%, savings account- 5%. According to reviews, the Premium Direct package has a lower level of competence of financial advisors.

Premium debit cards are a payment instrument with which you can make the usual Bank operations, as well as access to the widest possible range additional features. At the same time, all banking services are carried out at the highest level.

Terms

RaiffeisenBank offers premium cards in two types:

• MasterCard Platinum and Visa Platinum;
• MasterCard World Black Edition Premium and Visa Platinum Premium.

MasterCard Platinum and Visa Platinum cards provide the following opportunities:

• Free access to the SMS notification service;
• Emergency cash withdrawal in case of loss of a card abroad;
• Urgent production and re-production of cards;
• Equipping the card with a microchip for increased protection;
• Card support by 3D-Secure security systems.

• Use of a free insurance program from the companies "AIG" and "Cardif". The insurance covers the provision of medical assistance, legal and administrative support, reimbursement of expenses in case of flight cancellation, damage to luggage and other problems. Insurance coverage is valid around the clock;

Owners MasterCard cards World Black Edition Premium and Visa Platinum Premium, in addition to the services listed above, premium services are provided under the Priority Pass program:

• Use of the first and business class lounges, regardless of the ticket level;
• Using the services of more than 600 lounges at international airports in a hundred countries of the world, including first-class lounges at Sheremetyevo-2 airport, where three lounges are provided, Vnukovo, where there is one lounge, Pulkovo-2, where there are three lounges. The use of the halls is free.

The following tariffs are set for servicing these cards:

Get debit card any client who has reached the age of 14 and has presented a passport and possesses sufficient solvency to pay for card services.

Competitors

Platinum cards of international payment systems "Visa" and "MasterCard" are offered by most credit organizations Russia. The most famous of them are Sberbank of Russia, Alfa-Bank, VTB24 Bank and Rosselkhozbank.

Issued for 1-3 years. The account can be opened in rubles, dollars or euros. The cost of service is 10,000 rubles, 300 dollars or euros for the main cards and 2,500 rubles, 75 dollars or euros for additional ones. Payment instruments are issued and re-issued, including ahead of schedule, without commission, PIN-kld is replaced free of charge, money is issued in cash without commission in case of loss of the card. There is a daily cash withdrawal limit of RUB 1,000,000 or equivalent. If the limit is exceeded, a fee of 0.5% of the debited amount will be charged. If the client withdraws money at branches or ATMs of other banks, a fee of 1% of the transaction amount is charged. The monthly cash withdrawal limit is RUB 50,000,000 or equivalent. If the expenses from the card account exceed the balance, a fine of 40% per annum is charged. Cardholders of this type can use a concierge service, a dedicated telephone line when contacting the Bank, separate service rooms, cash in the amount of up to $5,000 in case of loss of a card abroad, legal and medical support for the cardholder and his relatives.

Issued within the tariff plans "Comfort" and "Maximum". The cost of servicing these payment instruments is 499 rubles per month with an account balance of up to 600,000 rubles, 20,000 dollars or 16,000 euros and free of charge if the balance exceeds the specified amount according to the Comfort tariff plan and 3,000 rubles per month with a balance of funds on account in the amount of up to 1,500,000 rubles, 50,000 dollars or 40,000 euros and free of charge if the balance is more than the specified amount in accordance with the "Maximum" tariff plan. Cardholders can use a dedicated telephone line when contacting the Bank, the service of the most professional employees in resolving their issues, discount programs and special offers provided by the Bank's trading and service partner organizations, the service of insuring purchases paid for by a card against the risks of their loss due to loss or theft (the insurance period is 90 days), medical care and legal support (for cardholders payment system"Visa") and other benefits and privileges under the programs "Visa Premium" and "MasterCard Favorites".

VTB24 Bank issues platinum cards for a period of 1-3 years. Maintenance costs 30,000 rubles or the equivalent for a year. You can order up to five additional cards, they are serviced for 10,000 rubles a year. Money is withdrawn from the account at branches and ATMs of the Bank without commission, at branches and ATMs of other credit institutions - with a commission of 1% of the withdrawn amount, but not less than 100 rubles. For requesting a balance at ATMs of other banks, the commission is 15 rubles. A client's written application to terminate the card is processed for 2,500 rubles. If the card is lost or damaged, it will be replaced for 5,000 rubles for basic cards and 2,500 rubles for additional ones. The same tariffs are used when changing the PIN code. The spending limit on the card is 1,000,000 rubles daily and 3,000,000 rubles monthly or equivalent. If the client's expenses exceed the amount of the balance, a penalty of 50% per annum is charged.

Payment systems "Visa" and "MasterCard". The list of services and opportunities is similar to all previously considered offers of other banks, except for the Priority Pass program. You can order a card in one of two tariff plans - "Personal" and "Capital". "Personal" provides for opening an account in rubles, dollars or euros, issuing a main card and up to eight additional cards, and "Capital" - up to seven additional cards. Cards are issued for one year. Maintenance of cards - both basic and additional - costs 7,000 rubles per year or equivalent. The initial payment when opening a card is 7,000 rubles under the "Personal" plan and 107,000 rubles under the "Capital" plan. 1% is credited to the account balance under the "Personal" plan and 1% -5% under the "Capital" plan. You can withdraw cash within daily limit 500,000 rubles under the "Personal" plan and 1,000,000 rubles under the "Capital" plan. The PIN code is replaced for 20 rubles under the "Personal" plan and 50 rubles under the "Capital". If the expenses exceed the balance, a penalty of 40% per annum is charged. SMS-service is provided for 45 rubles, access to remote services - for 25 rubles. A written application for the loss of a card is processed for 1,500 rubles.

As you can see, services under the Priority Pass program are not provided when applying for Platinum cards of the listed organizations. This testifies to the uniqueness of RaiffeisenBank's products.

In some credit institutions, cards with the opportunity to participate in the named program are issued in addition to Gold or Platinum cards. These are, for example, RIA Bank, where, when registering gold cards MasterCard, you can issue a Priority Pass card, Moskovsky Credit Bank, where Priority card Pass is an additional privilege for owners Visa cards Infinite and Visa Platinum of this Bank. Their maintenance costs 4,500 rubles a year for basic cards and 3,000 rubles for additional ones. The same range of services is provided as with RaiffeisenBank cards.

In Avangard Bank, the Priority Pass card is issued in addition to the Golden Card, which is issued for three years, implies the possibility of using discounts under the MasterCard Priceless Moscow and Visa Gold". The card is serviced for 3,000 rubles or the equivalent during the year. Value interest rate 12% -24% per annum. The borrower can be a Russian citizen aged 19 to 58, permanently registered in the region where the Bank operates. Income verification is not required. The card is serviced free of charge while maintaining an average monthly amount of at least 20,000 rubles on the account.

A similar opportunity is offered by Bank IBA-Moscow, where the Priority Pass card is issued in addition to the Bank's Premium cards. Maintenance cost Premium cards is 5,000-6,000 rubles per year, depending on the equipment with a conventional magnetic stripe or a microprocessor. Cards are valid for 2 years.

The MasterCard World Black Edition card is issued by UniCredit Bank as part of the Prime service package. It is serviced for 3,000 rubles monthly in rubles and 5,000 rubles monthly in foreign currency for the main payment instruments and for 4,000 rubles per month for additional cards. The cards provide a list of services similar to the RaiffeisenBank program, but the Priority Pass program is not one of them.

In most credit institutions, in order to gain access to premium services at airports, you need to order a card issued jointly with partner airlines - S7 Airlines, Aeroflot, Ural Airlines, Ut Air and others. According to these cards, in addition to an increased level of service, points are awarded for flights, but this is a different category of banking products.