Premium Credit Cards – apply online to the bank

General information on premium cards

According to the classification of international plastic cards, all premium and standard cards have several levels, in particular:

1. Gold.
2. Platinum.
3. Ultima.
4. World Black Edition.
5. Elite.
6. Infinite.
7. Signature.

Для информации отметим, что за границей все эти карты доступны в большинстве своем обеспеченным заемщикам. В России есть кредитная карта Премиум Т-Банк Банка, которая скорее всего носит массовый характер, и ее годовое обслуживание незначительное. Ради справедливости нужно отметить такие банки Visa Platinum коммерческого банка России «Восточного» или Mastercard Платинум от ОТП-Банка, которые имеют расширенный функционал применения, и годовое обслуживание минимум в 10 раз дороже, чем для Платинум Т-Банка (в последнем случае годовое обслуживание пластика составляет всего 590 рублей).

Advantages of premium credit cards:

1. The credit limit starts at 600,000 RUB and reaches a maximum of 8 million RUB. Some banks individually recalculate the approved credit limit for the borrower.
2. The borrower has the opportunity to withdraw cash up to an increased limit, both daily and monthly.
3. An expanded information support function is provided for cardholders.
4. There are additional privileges from both the bank and the payment system service.

Thus, the cardholder enjoys more favorable interest rates, advantageous cash withdrawal commissions, etc. However, the grace period for such cards is no different from standard credit cards.

What is included in basic premium services

When applying for an Alfa Travel Premium credit card or one from another banking institution, you may notice that the annual maintenance cost of the card differs significantly from standard banking products. As a rule, this cost is at least 10 times higher. Nevertheless, there are basic premium services that characterize the high status of the banking product. Review the list of basic services for premium credit cards.

1. Medical support. You can find out about travel specifics abroad regarding medical insurance. The bank consultant will help you arrange medical insurance and explain the rules for using medical services according to your premium card.
2. Legal support. The consultant will help you understand all the nuances of customs control and rules of stay abroad. The package includes tax and legal support for your stay abroad.
3. Urgent card replacement service within 24 hours. In case of force majeure, a bank representative will arrange an urgent replacement of your plastic card within 24 hours, including if you are abroad.
4. Purchase protection. You receive long-term purchase insurance for a period of 90 days. This rule generally applies to purchases of goods worth over 50 US dollars.
5. Loyalty programs from payment systems. The largest number of such programs is provided by Visa.
6. Cashback on purchases. By making purchases both in Russia and abroad, you receive a refund ranging from 1% to 30% of the value.

It is also worth noting this feature for cardholders with Signature, Elite, World Black Edition, Infinite, and Ultima statuses, which allows you to receive additional privileges when going on a trip or business trip abroad. The additional conditions feature an expanded list of services, including:

1. Assistance in selecting and booking hotel rooms.
2. Assistance in purchasing air and train tickets worldwide.
3. Assistance in car booking (car sharing).
4. Booking VIP airport lounges.
5. Assistance in organizing banquets in restaurants and cafes.
6. Consulting services for tours and travel organization.
7. Organization of round-the-clock delivery service for purchases.
8. Assistance in visiting stores after hours.
9. Consulting services for shopping, grooming, SPA salons, etc.

All programs include insurance terms for premium credit card holders. Within Russia, insurance can be arranged under various programs for an amount up to 1 million US dollars.

Activation of services for bank cards is free of charge, however, banks may establish monthly or one-time fees for certain options. All these nuances must be taken into account when applying for a banking product.

Concierge service is usually considered as a separate category. The essence of this program is that the cardholder gives instructions to a personal bank manager to organize a comfortable trip or business trip outside of Russia. Having the Priority Pass option will allow you to use the services of airports around the world almost for free, for example, several times a month you can visit VIP lounges for free and receive additional services at a discount.

Which banks issue Premium-class credit cards

Currently, premium credit cards are offered by many credit institutions in the country. Our financial services selection platform invites you to apply for a card, where you will promptly receive a response from the bank, and courier delivery will help you obtain the banking product on time.

When choosing a suitable banking product, pay attention to these significant credit card selection parameters:

• Availability of an interest-free period on the card.
• The interest rate set for the plastic card.
• The maximum credit limit available to you on the banking product.
• The thematic areas developed for the card.