Plastic card Visa Platinum: privileges, discounts, additional services

Bank cards are a convenient way to make payments and store money. There are several types of "plastic" depending on the provided package of services: electronic, standard, premium. For those wishing to receive an extended service and become a VIP client of the bank, the payment system Visa offers Gold, Platinum and Infinite service programs. Each of them is an indicator of prestige, comfort and comfort anywhere in the world. But special attention will be paid to the Visa Platinum card, which will be discussed in the article.

About Visa

This is a world-famous and popular payment system that regulates the relationship between the issuing bank, the seller and the card holder when making transactions. The company itself does not establish commission fees for maintenance and does not manufacture "plastic". The activity of the Visa system is reduced to providing access to the electronic payment network and security of transactions. Thanks to innovative solutions of the company, credit and financial organizations offer card products to customers. Banks, receiving the right to issue payment instruments Visa, independently regulate the terms of issuance and use of plastic.

The company cooperates with organizations in more than 200 countries, which enables users to make payments almost anywhere in the world. Premium products provide access to the "Privilege World" bonus program. Visa Platinum, Gold and Infinite allow you to receive discounts, participate in special offers and be a welcome guest for payment system partners.

Personal assistant

Visa Platinum holders have access to a free concierge service anywhere in the world. Specialists will inform about interesting events in the location of the owner and take care of booking tickets. In addition, concierge services on the Visa Platinum card include:

• Rent of motor transport;
• The order of a taxi at any time;
• Booking a table in a restaurant, tickets for a plane;
• Organization of leisure;
• Access to closed clubs;
• Assistance with route planning;
• Information support (exchange offices, weather forecast, hospital addresses, etc.).

The service is available both at home and abroad. The service is provided by ISOS (International SOS).

Customer Support Service

In urgent cases associated with the maintenance of the card, the user needs immediate assistance. Where can I go when I am abroad with a Visa Platinum holder? Privileges of a premium product allow you to get help regardless of the client's location. . The service of global support of the payment system Visa will be able to take emergency actions in case of loss or theft of "plastic" .

Having applied to the toll-free number of the customer service, the holder of the Visa Platinum card can:

• Organize re-issue and delivery of a new "plastic" regardless of the owner's location;
• Block the account;
• To agree on an emergency cash issue at any time of the day;
• Get the necessary information.

Access to global support is open to the Visa card holder, regardless of class. However, only the owners of premium "plastic" can count on urgent cash withdrawal and urgent re-issue.

Travel Insurance

What else can please the Visa Platinum holder? Privileges of this payment instrument are not only in excellent service, but also in a well-considered insurance program. The product is aimed at successful people who often travel for leisure or work issues. During travel, unforeseen circumstances may occur : cancellation or delay of flight, theft of documents, baggage or money, accidents.

If tickets were purchased with Visa Platinum, the owner and his close relatives receive insurance. It will protect against any troubles that may arise on the road. This includes costs related to:

• Loss, theft of luggage, documents, money;
• Delay or cancellation of the flight;
• Providing legal or medical assistance;
• Evacuation;
• Repatriation.

Insurance lasts only during the trip, but not more than 90 days. In addition, the owner of the bonus card has access to Visa's Medical & Legal Referrals program. Assistance is provided by ISOS. As part of the services provided, natural persons have the right to make an appointment with a doctor, get advice on the phone, be evacuated with the help of sanaviation. Specialists will inform you about the location of medical and legal institutions, service level and prices.

Purchases insurance programs

Holders of Visa Platinum have the privileges and when paying for goods. The cardholder can count on two insurance programs. Let's consider them in the table.

Particular attention should be paid to the size of the unconditional franchise equal to $ 50. Refunds will be made less this amount. When the insured event occurs, the cardholder will be able to receive from $ 1,500 to $ 5,000. With more detailed conditions of insurance purchases can be found on the official website of the payment system in the information section Visa Platinum.

Privileges in Russia

Holders of premium cards - this is a special group of clients of any financial institution. For them, the bank creates the most comfortable and profitable terms of use. What exactly is the owner of Visa Platinum winning? The privilege card has the following:

• Increased cashback (from 1.5 to 30%);
• Free info-services (online banking, SMS);
• Additional issue of "platinum" or "gold" card without commissions on preferential terms;
• High withdrawal limit;
• Access to VIP-zones of various establishments;
• Quality banking services;
• Opening of several foreign currency accounts;
• Access to premium programs from the bank (discounts on product categories, bonuses for purchases);
• A high credit limit and a reduced interest rate.

Of course, each bank has its own individual program for Visa Platinum. Sberbank, for example, serves premium card customers in comfortable office areas without queues, providing a personal manager.

Operations with money

Visa Platinum has much more privileges than withdrawing, crediting or transferring funds from a classical card. In most banks there is no commission for cashing out with premium "plastic". A single withdrawal limit on average is about 500 thousand rubles. For Card-to-Card transfers, commissions are also minimal, or none at all. You can replenish the account using electronic purses, cash services, terminals with the function "Cash in".

Another undoubted advantage of Visa Platinum is the technology of payWave contactless payment. Payment by bank card takes place in a matter of seconds and does not require the introduction of a PIN code. A certain limit is set, within which non-contact transactions are made.

Cost

Premium package of banking services Visa Platinum opens a lot of opportunities for the owner and makes life easier during travel and business trips. The annual maintenance of the card differs depending on the conditions of different banks. The amount varies between 2-15 thousand rubles. Everything depends on the type of the "platinum" card, the issuing bank and the package of additional services provided. Cobrending "plastic" usually costs more than the standard Visa Platinum.

"Platinum" card is undoubtedly a convenient and profitable product for a certain target audience. To appreciate the privilege of premium "plastic" can only be a successful person with earnings above the average, often being abroad. Otherwise, the expenses for servicing the card will bring a loss rather than a profit.