Today, Sberbank can offer more than 40 different plastic cards to its customers. They differ in the features of use, limits, type and option of the payment system. The premium segment stands out among them. Cards such as Visa Infinite from Sberbank distinguish their owners and provide additional benefits.
Who can apply for a Visa Infinite card?
Premium products are produced in small batches, so few people can afford them. You must meet the following requirements:
- be a major contributor to Sberbank. For Moscow, the amount of capital must be at least 8 million rubles, for the regions - more than 4 million rubles;
- be a shareholder of a financial structure. The size of the share must exceed 200 million rubles;
- be an investor in a company that is in a contractual relationship with Sberbank. The amount of the contribution must exceed 4 million rubles;
- take a loan from the bank in the amount of 5 million and fulfill their obligations to pay interest in a timely manner.
If one of the above conditions is met, it becomes possible to become the owner of a Visa Infinite card from Sberbank. It has advanced functions, for example, it simultaneously acts as a debit and credit card, which creates certain conveniences. I would especially like to note the amount of credit that can be obtained by Visa Infinite. For example, you can immediately buy a car in the salon and pay with a credit card. In addition to the vehicle, the loan is enough for an apartment or house. The bar for restrictions on cash withdrawals or money transfers is also very high.
Sberbank also issues to customers another type of premium class card - Visa Infinite Exclusive. These cards are different finishes. It uses diamonds, pearls and gold. It is necessary to have a bank deposit of at least 100 thousand US dollars in order to issue such a card. Almost half of the amount is spent on the production of a unique card. As an additional gift, the client receives a copy for everyday use, a luxurious business card holder and an iPhone smartphone.
Features of Visa Infinite from Sberbank
Premium segment products work in all areas available to conventional classic credit and debit cards.
In addition, Visa Infinite cards also have privileged functions:
- owners are provided with an individual manager in the VIP-hall of the bank branch;
- low interest rates on loans, extended grace periods, participation in various privileged banking programs;
- financial and legal assistance in unforeseen situations, for example, in case of theft of property, loss of things or a card. A one-time payment amount can reach up to 20 thousand US dollars;
- free maintenance of an insurance policy that works on several levels;
- ordering concierge services. They may be needed during your stay in an unfamiliar city or abroad. An employee of Sberbank will help with booking tickets, hotel rooms, renting a vehicle.
The cost of servicing and restrictions of the Visa Infinite card in Sberbank
All details on the service and capabilities of the card are in. The cost of servicing Visa Infinite from Sberbank is higher than that of other cards of the bank and is about $ 310 for the first year of service, but the owner receives VIP service, many benefits and increases his rating in the eyes of partners and friends.