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Выбирал между несколькими банками, остановился на «Дебетовая карта «Мудрость» от МКБ». Условия совпали с тем, что было на сайте, заявку обработали без задержек. Минус — не сразу попался раздел про досрочное погашение, пришлось искать в договоре. Если продукт нужен без спешки, можно брать.
Оформление по «Дебетовая карта «UnionPay Diamond» от Газпромбанка» заняло меньше времени, чем ожидалось: заявку рассмотрели быстро, деньги пришли в тот же день. Из минусов — итоговую переплату сразу не видно, пришлось считать. Еще стоит заранее уточнить про досрочное погашение. Для срочной ситуации вариант рабочий, но без запаса по бюджету брать не советую.
Из нескольких похожих вариантов больше всего по платежу и сроку подошел «Дебетовая карта «Mir Supreme» от Газпромбанка». Условия понятные, все есть в договоре. Не понравилось, что итоговая сумма выше, чем выглядит в рекламе. Поддержка отвечает нормально, но по дополнительным услугам лучше переспрашивать.
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Today, almost everyone has at least one debit card. With them, you can easily pay for purchases in stores and online, transfer money to other people, pay utility bills and invoices, withdraw cash, and much more. Right now, banks offer very favorable terms for classic debit cards. However, the tariffs for premium cards are much more attractive. In this article, we will explain what MIR premium cards are, how they differ from standard ones, and what their advantages are.
What is a MIR premium card?
In terms of functionality, MIR premium cards are no different from classic debit cards. With them, cardholders can:
- pay for purchases in stores and online;
- transfer money to other people within the bank and to other credit institutions;
- withdraw cash from the card;
- pay for housing and communal services, mobile operator services, internet providers, and so on;
- book hotels and much more.
And while premium cards share the same functionality as regular cards, they offer significantly more opportunities for cardholders. The benefits of each premium card may vary depending on the issuing bank. However, cardholders generally receive:
- no fees for cash withdrawals and money transfers to other banks;
- increased cashback on purchases;
- higher interest rates on savings accounts and deposits;
- access to airport business lounges;
- concierge service;
- travel insurance with high coverage limits, and much more.
More attractive terms for cardholders are not the only difference between a premium debit card and a regular one. They also feature non-standard service terms. We will demonstrate the difference using the example of a premium and a classic card from Alfa-Bank.
| Service terms | Alfa-Card | Alfa Only |
|---|---|---|
| Issue fee | new card: free, replacement of a lost card: a one-time fee of 290 RUB | new card: free, replacement of a lost card: free |
| Annual maintenance | free | free for the first month, then 2,990 RUB per month, or free if one of the following conditions is met:
|
| Transaction alerts | 99 RUB per month | free |
| Cash withdrawals at third-party ATMs | free up to 100,000 RUB per month, then subject to a 1.99% fee (minimum 199 RUB) | free without limits |
| Money transfers to other banks | free via the Fast Payment System (FPS) up to 100,000 RUB per month; transfers by card number are subject to a 1.95% fee (minimum 30 RUB) | free without limits |
| Cashback on purchases | up to 30% in four selected cashback categories, up to 50% at partner stores, with a maximum of 5,000 RUB per month | 7% in four selected cashback categories, up to 50% at partner stores, with a maximum of 15,000 RUB per month |
| Interest rate on savings accounts and deposits |
|
|
| Additional features | none | trips funded by Alfa-Bank, free airport restaurants and business lounges, fee-free payments and transfers, 24/7 concierge service, free travel insurance, personalized service |
Benefits of the Mir premium card for cardholders
Using Alfa-Bank debit cards as an example, we showed how a premium card differs from regular ones. Nevertheless, we will discuss the opportunities opened up by premium service in more detail.
Free cash withdrawals
Both regular and premium cards provide free cash withdrawals at ATMs of the issuing bank. However, not all credit institutions allow cardholders to withdraw cash at third-party devices. At the same time, premium cardholders can typically withdraw cash at any bank's ATMs worldwide without any restrictions.
Free transfers to other banks
The same applies to transfers to other banks. Normally, debit cardholders can only send funds to clients of other credit institutions via the Fast Payment System, usually with a limit of just 100,000 RUB per month. As a rule, premium cards offer free transfers to other banks with no fees or limits.
Increased cashback on purchases
Premium debit cardholders usually benefit from a more profitable bonus program. This may include increased cashback on purchases, more attractive elevated reward categories, special offers from bank partners, and so on.
Higher interest rate on deposits and savings accounts
Premium clients also enjoy more favorable interest rates on deposits and savings accounts. Typically, the difference between regular and premium debit cards is about 3% per annum. This is a significant difference when dealing with large amounts.
Personalized service
When a cardholder has a question, they can contact a bank branch or call the hotline. In either case, they will have to wait in line to receive assistance from a specialist. Premium customer service is more comfortable. Many banks provide them with a dedicated 24/7 phone line, a personal manager via popular messengers, the mobile app, or phone, and queue-free service at any branch across Russia.
Kids debit card from Alfa-Bank 
My Life debit card from UBRD 
Discount Everywhere debit card from MTS Bank 24/7 concierge service
Premium clients are also provided with a 24/7 concierge service. This is a personal assistant who can help resolve any issue. For example, if necessary, they can arrange a visa and book a hotel, purchase plane or train tickets, organize transfers and comfortable accommodation, provide legal support, and much more.
Additionally, some banks offer a children's concierge, who organizes children's parties, assists in choosing medical facilities, selects extracurricular classes and courses for the child, and so on.
Travel insurance
Many banks provide premium clients with free travel insurance. As a rule, it includes medical expenses and transportation, emergency dental care, assistance with insect bites, allergies, sunburns, and much more.
Such insurance also typically covers flight delays, baggage damage or loss, lost or stolen documents, legal assistance, forced cancellation of travel, and so on.
Access to airport business lounges
Having a premium debit card also grants access to business lounges in most airports in Russia. However, it should be noted that the number of visits per year is usually limited.
Unique design
Premium cards usually feature a unique design. For example, Alfa-Bank and T-Bank issue premium cards made of metal rather than plastic.
Who can get a MIR premium card, and what is required?
As a rule, almost anyone can get a premium debit card. To apply for it, you no longer need to meet any specific criteria, such as having a certain monthly income or a large open deposit.
Currently, any citizen of the Russian Federation aged 18 or older can get a premium card. To apply for the card, they need to submit an application on the website of the chosen bank or at a branch of the credit institution. Having just a passport is sufficient. The application form requires full name, passport details, permanent registration address, and actual place of residence.
When filling out the online application, you will also need to specify how you want to receive the card. Today, many banks offer courier delivery of the card to your home or any other convenient address. Alternatively, you can pick up the card the standard way—at a branch of the credit institution.
