Best Mastercard credit cards

The largest payment system, Mastercard, is second in popularity only to Visa, but that doesn't stop Mastercard credit card holders from choosing a reliable and trusted banking tool. According to statistics, Sberbank's Mastercard credit cards alone account for 35% of all existing banking products in Russia. It is expected that the global payment system brand will continue to confidently conquer the financial market while attracting issuing banks. One way or another, today in any bank you will find at least one Mastercard Standard credit card, which is guaranteed to be featured in the extensive product lineup of every commercial institution in the country.

Sravnim24 editorial team
Daria Kreslova

Contents

Types of Mastercard Credit Cards

Currently, banks offer up to 4 different cards from the Mastercard payment system. Each card type has its own options and features that allow the issuing bank to offer the borrower only interesting lending programs.

Types of Mastercard Credit Cards

Standard type or Mastercard Mass. The simplest and most popular version of payment cards used in most credit institutions in the country.
Mastercard Gold. The second most popular credit card, featuring an enhanced security level and extensive loyalty programs.
Platinum standard credit cards. Premium cards designed for convenient use both domestically and abroad. The cards feature special terms for participating in loyalty programs.
MasterCard World program line. Credit cards designed for use abroad during travel or business trips.

Each card type has its own features and capabilities. Thus, cards with a lower tier are best suited for domestic use, while higher-tier cards are suitable for trips to any country in the world.

How Mastercard Standard Works

This is the largest segment among all Mastercard credit cards. Many mistakenly believe that Mastercard Standard only works with a ruble account. This misconception is due to the fact that about 80% of all banks indicate that the credit card has only a ruble account. In fact, this card type allows opening not just 1, but 2-3 accounts. Some banks still offer clients Mastercard Standard cards with a multi-currency account, where a credit line can be opened for ruble, dollar, and euro operations.

It is recommended to apply for a Mastercard Standard for those who are applying for a banking product for the first time. This way you are guaranteed to get your first experience using a unique banking product.

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Mastercard Gold Credit Cards

This is the second most popular bank card of the well-known payment system. Mastercard Gold has enhanced features compared to the Standard card. However, it is recommended to check with the bank in detail about the benefits available to Mastercard Gold users. It is worth noting just a few features of this card:

Benefits of Mastercard Gold Credit Cards

You can earn increased cashback.
An expanded credit limit that can reach up to 1.5 million RUB.
A reduced interest rate is provided.
There are individual offers from the Mastercard payment system operator.

In addition, holders of the gold card can count on an increased limit for cash withdrawals, money transfers, and additional services.

The card has an individual service system. Thus, one of the disadvantages is the high cost of annual maintenance, but by connecting the individual service program, you can get free assistance from a manager in resolving many issues, including legal support, insurance, medical services, etc.

Premium Mastercard Platinum Cards

This type of credit card has all the characteristics of premium status cards. This means that the holder receives individual service terms as well as original banking products available only for this card type. The terms of issuance and use of Platinum standard cards differ across all banks.

In addition, there are differences in the documents provided for application approval. Thus, one bank will require you to provide data using only your passport. Another bank, in turn, will request confirmation of your solvency. Such requirements are very important for a banking product where you will receive special individual service terms.

The borrower receives the same options with the card as those provided for Standard and Gold cards, as well as premium categories. Please note that you should clarify the terms for additional options directly with a bank manager.

Mastercard World Software Products

For traveling abroad, a Mastercard World credit card is the ideal option, as this banking product is perfectly adapted for use overseas. When going abroad, check with your bank operator if you need to notify them about your trip. This is necessary for certain card features to work abroad. This rule does not apply to all credit institutions, but it is best to clarify this nuance before applying for a Mastercard credit card at your chosen bank.

World Mastercard can also be used without any restrictions within Russia. This card type cannot be classified as premium, but some features of this standard also work great abroad.

Cards for traveling abroad have an important feature. You can withdraw cash without commission at all ATMs worldwide. As a rule, internal account conversion is performed for the card account so that the borrower knows how much money they can withdraw without problems while traveling outside of Russia.

By applying for Mastercard credit cards, you get a unique banking product from a well-known payment system that is in high demand not only in Russia, but also far beyond its borders. With a Mastercard card, you can make any purchases, pay for services, and at the same time have the opportunity to receive rewards, and earn a guaranteed percentage on account balances using your own funds.