When choosing a payment system when opening a card account, many people ask themselves which card is better than Visa or Mastercard in Sberbank? We offer to understand in more detail the features and differences of these systems.
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Distinctive features of VISA and Mastercard payment systems
More recently, it was not difficult to figure out which is more profitable: MasterCard or Visa. The cards differed in currency and the way it was converted.
The difference was this:
- Mastercard was used in Europe, Visa - in America;
- currency: for MasterCard, an account was provided in euros, and for Visa - in dollars. It was possible to open an account in rubles;
- if funds were withdrawn outside the country, the amount was recalculated in dollars using the Visa card. That is, if the account was opened in the national currency, then two conversions were carried out at once to make the payment: from the ruble to the dollar, from the dollar to the euro;
- on the Mastercard card, the currency was immediately converted into the desired one.
Today, all the features that cause inconvenience are disabled. Both in one and in the other system, accounts can be opened in any convenient currency. And when withdrawing money, the conversion is carried out automatically.
Offers on plastic cards in Sberbank
When choosing the best card option, it is best to clarify their capabilities directly with the bank.
Both systems offer the following card types:
- classical, including credit;
- gold debit and credit;
- platinum;
- premium;
- electronic;
- virtual.
In addition, non-named Momentum .
They are characterized by fast registration and issuance, as well as the absence of service fees. It should be said that Maestro Momentum is a card of the Mastercard payment system. In the Visa system, the analogy is Visa Electron. Along with undeniable advantages, these cards also have disadvantages. They lie in a number of restrictions regarding the use of the Internet and abroad.
More details on the cards - on the Sberbank page .
In the Visa system, two more cards are offered, which have no analogue in the MasterCard system. These are affiliate programs of Aeroflot and Podari Zhizn. The first allows you to accumulate virtual miles (points), which can then be exchanged for air tickets. And the second makes it possible to participate in charity and provide assistance to children with cancer.
Differences in the offers of payment systems
You can compare which card is better than Visa or Mastercard in Sberbank using the example of a classic card:
- an account can be opened in dollars, euros and rubles;
- validity period - 3 years;
- maintenance price: for the first year - 750 rubles, for the remaining 450 rubles. In euros and dollars, the equivalent is 25 and 15 USD;
- financial transactions can be carried out remotely, provided that mobile or online banking is connected;
- 3D Secure protection in the Internet;
- can be used abroad.
In parallel, users are offered the opportunity to use offers and discounts from these payment systems. Here is where there is a slight difference. So, the Visa company provides discounts for:
- sending luggage;
- hotel accommodation;
- a gift, subject to the purchase of a ticket, etc.
Additionally, there are many offers for shopping in shopping centers and stores in different countries and when shopping online.
In turn, Mastercard does not lag behind and offers promotions and discounts to the user audience: for visiting restaurant-type establishments, cafes, etc. In addition, there are programs that provide prizes in the form of tickets to the Bolshoi Theater, to the Berlin Film Festival, etc.
From the foregoing, it is difficult to answer unequivocally which card is better than Visa or Mastercard in Sberbank. It is recommended to independently monitor ongoing promotions on the websites of payment systems before issuing a card.
Which card is better to choose (video)
We offer you to watch a detailed video review of the existing shortcomings and positive qualities of plastic cards from MasterCard and Visa payment systems in Sberbank.