"Super-Card" ("Rosbank") banking package: reviews, conditions, tariffs

"Supercard" from "Rosbank" is not just a debit card in its classical form, it is a large package of services, which includes many interesting offers. According to the statement of the credit and financial organization, holders of such plastic receive "super-high". What is so unusual that the bank offers its potential and true clients? "Rosbank" described the "Overcards" as an advantageous product for users with above average income.

What is "Supercard"?

The presentation of the package of banking services was of interest to a considerable number of citizens. Initially, the organization planned to finalize the release of "Supercarta" in the fall of 2015. However, you can design an interesting product to this day. The package of services includes:

1. The main card is Visa Gold.
2. Additional plastic in the number of two pieces: Classic and Gold.
3. Four active accounts in different currencies: rubles, US dollars, euros and Chinese yuan. They can be attached to the received cards.
4. Savings deposit "Super Counting".

For each product, the owner of the Super-Card receives additional bonuses or rewards.

At first glance, it becomes clear that the program promises a significant benefit to its owner. However, this is not the limit. "Rosbank" updated the package of services, and a new product, even more interesting, "Supercarta +" turned out. It included a bonus card Visa Platinum, Gold and Classic, four foreign currency accounts and a deposit. The owners of the extended version of the program have more privileges in service and benefits from purchases from PJSC "Rosbank". "Supercard", the conditions for obtaining which will be discussed further, will appeal to active and wealthy people.

How to apply for a product?

In order to receive a package of services, it is necessary to visit the bank branch located at the place of residence of the potential client. It is worthwhile to take with you a passport and a document confirming the length of service. Individuals aged 22 to 65 can apply. The standard procedure of registration in the bank has some specific feature, thanks to which the "Super-Card" card from "Rosbank" is available under preferential terms. Promotional code - and there is this interesting detail for free annual service. The combination of numbers and letters is provided to the current client for distribution in any way. When applying for a card, an individual displays a promotional code, which saves on maintenance in the first year.

It is noteworthy that the attraction program extends to the existing clients of PJSC Rosbank. "Supercard", the conditions for obtaining which are fairly simple, is not the limit of dreams for many people. After the announcement of the "Superkart +" service package, cases of switching to this tariff plan with more simple ones are becoming more frequent, which can also be done on a promotional code, having received a year of service as a gift.

Advantages of premium cards

To issue Visa Gold or Platinum offers every bank. Rosbank was no exception. Focusing on the high incomes of cardholders of this level, he created a unique offer for businessmen and financially successful people. The bank set consists of the basic tools necessary for carrying out major purchases, travel, payments abroad.

Visa Gold and Visa Platinum - it's convenient, profitable and prestigious. Maps of this level open up many opportunities for their owners, among them:

• A high limit for a one-time withdrawal of funds;
• Free replacement in an emergency in a short time;
• Legal advice and medical insurance for travelers;
• bonus program;
• Discounts on air tickets, the best hotels and restaurants in the world with the possibility of booking;
• Preferential rental of vehicles.

The platinum card additionally includes an enhanced concierge service and two types of insurance for purchases.

CashBack

Pleasant service cashback is provided for the service packages "Super-Card", "Super-Card +". True conditions for its accrual vary. For example, for owners of the first version of the product cashback is charged for every 3 months at a rate of 10%. But in order to get such a big reward, the total amount of purchases should be at least 75 thousand rubles. At the same time every 3 months, the bank changes the categories for which it encourages its customers. In 2016, according to the "Super-Card" ("Rosbank") program, which is very positive, the following sections of the purchases for which cashback is credited are established:

• From January to March - health and beauty;
• From April to June - home comfort;
• From July to September - children's goods and entertainment;
• From October to December - restaurants.

Payments for services or goods not included in the above categories are rewarded with the return of 1% of the payment amount to the account.

"Supercard +" will please its owners with a 7% cashback, which is charged to the same categories as in the previous program. True, the minimum amount of purchases will be 20 thousand rubles. When paying for goods and services not included in the list, 1% is returned to the cardholder.

But the newcomers expect a pleasant surprise from the program "Superkart." Rosbank, whose reviews are mostly positive, provides a 7% cashback in the first three months of using the card. It should be taken into account that the monthly remuneration is limited to 5 thousand rubles.

Remuneration on the balance of funds

In addition to the benefits that the user receives from Visa Gold and Visa Platinum premium cards, the bank offers its own bonuses for the Super-Card program. "Rosbank", customer reviews about which are quite good, provides cardholders with a remuneration for the balance of money on the card. The annual interest rate is as follows:

• With a balance of less than 250 thousand rubles. - 5.5%, more than 6.5%;
• On the account less than $ 3000 - 0.25%, more than - 0.3%;
• Less than € 3,000 - 0.15%, more than 0.2%.

The fee is charged for the full amount of funds.

Participants of the Super-Card + program can receive from 6.5% to 7% per annum of the balance on the ruble account (if they hold up to 2 million or more, respectively), 0.35-0.4% in US dollars and 0.1 % On funds in euros.

Cashing

Withdrawal sometimes becomes a big problem for plastic holders: you need to calculate how much it is more profitable to take off taking into account the commission, and the "native" terminal is not always at hand. Holders of "Supercarta" do not know the problems with cashing, because "Rosbank" took care of its customers as well as possible. You can withdraw money from the card without commission, not only in the "native" ATM, but also with the help of partner terminals. Among them are Alfa Bank, VTB-24, Gazprombank, Rosselkhozbank and many others. A free withdrawal is available worldwide and in the devices of the Societe Generale group.

If cash is needed through the cashier, you will have to pay a small commission to Rosbank - 0.5% of the amount (minimum of 29 rubles) or 1% of a third party (minimum 150 rubles).

Refill

From the card, you can not only withdraw money, but also replenish it if necessary. To perform the operation you need to know the contract number with the bank or card number. It will take a passport if the enrollment happens through the cashier. The plastic owner has several options for replenishment: transfer from another card, making deposits through the terminal, cash register or online service. To replenish the account, the bank set a limit - no more than 75 thousand rubles for one transfer of a Card to Card and no more than 500 thousand per month for online transactions.

"Supercard" ("Rosbank"): tariffs for services

Like any other product, the "Superkart" service package must be paid annually. Rosbank collects a commission for service on a monthly basis. The difference between the two cards is only 50 rubles: the initial version of "Superkart" will cost 450 rubles. Per month, and advanced "Superkarta +" will cost 500 rubles. per month. Having calculated the amount for the year, you can be sure that these products are not created for every citizen.

But wealthy people will be pleased with one small condition, which is put forward by Rosbank. "Supercard", the cost of which in the usual case will be 54 thousand rubles, will be serviced completely free of charge with an aggregate balance on accounts for the amount of 250 thousand rubles. The same applies to the package of services "Superkarta +".

Terms of "Overdraft"

The term deposit is available through the "Super-Card" program. The version of the package of services with Visa Platinum does not have such a function. The deposit is valid for 3 months. On the preservation can be put from 1000 to 250 thousand rubles. The reward equals 10% of the amount, it can be capitalized or transferred to the main account using an online service.

After the end of the term, all funds can be withdrawn. Under the "Super-Card +" program, the deposit does not open, only savings accounts with accrual of compensation are available.

"Supercard" from "Rosbank": pros and cons

Any plastic can bring its owner both a benefit, and a complete disappointment in banking services. In order not to miss with the choice of such an important payment instrument in modern life as a card, it is worthwhile to weigh the pros and cons and at the same time to study the reviews of the clients that have already used the services. Based on the experience of the owners of the "Superkart", we will highlight the main advantages:

• PayWave payment technology;
• High card protection;
• Profitable cashback;
• The best offers from premium Visa cards;
• A lot of bills and plastic;
• High limits on cashing;
• Remuneration for the balance of accounts;
• Free withdrawal of funds and a large network of partner banks.

As you can see, the list is impressive. Customers have noted many positive aspects of the "Super-Card", but what are they dissatisfied with? Common reasons for negative comments towards the product were:

• High maintenance cost;
• A lot of items that must be observed in order to make the use of the card profitable;
• Paid SMS-service;
• The uselessness of a large number of accounts and cards.

"Supercard" from "Rosbank", the pros and cons of which were discussed above, is still good enough and in its own way beneficial. The main problem is that it is really available to a small audience.

Reviews

About "Supercarte" talked a lot on the web and on TV. Advertising beckoned new customers, people passed on codes to each other and advised a unique package of services. Those who did not manage to issue "Supercarte", with pleasure agreed to the updated program "Super-Card Plus" ("Rosbank"). Online purchases with protection against fraud and additional guarantee, bonuses in the form of cashback, the advantages of premium cards, savings accounts in foreign currency - all this can be obtained as a single product. Those for whom the balance of 250 thousand rubles - a habitual matter, appreciated the functionality of the "Super-Card". In other cases, the program is unreasonably expensive and promises losses rather than benefits. Users are advised to make out a package of services only when it is really needed, and the owner has enough funds to service it. In general, "Superkart" ("Rosbank") reviews are good.

A unique package of services is offered to its present and future clients by Rosbank. It consists of 3 debit cards and 4 savings accounts in different currencies. The use of "Superkart" will bring real pleasure to people with a high level of prosperity.