The "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 financial institution, the holders of such plastic receive "super-profit". What is so unusual that the bank offers its potential and real customers? Rosbank described the Supercard as a profitable product for users with an income above the average.
What is a "Supermap"?
The presentation of a package of banking services interested a considerable number of citizens. Initially, the organization planned to complete the release of the "Supercard" in the fall of 2015. However, you can still get an interesting product. The service package includes:
- Basic Visa Gold Card.
- Additional plastic in the amount of two pieces: Classic and Gold.
- Four active accounts in different currencies: rubles, US dollars, euros and Chinese yuan. They can be attached to the received cards.
- Savings deposit "Super Account".
For each product, the owner of the Supercard receives additional bonuses or rewards.
At first glance, it becomes clear that the program promises significant benefits to its owner. However, this is not the limit. Rosbank has updated its service package to create a new, even more interesting product - Supercard +. It includes a Visa Platinum, Gold and Classic premium card, four currency accounts and a deposit. Owners of the extended version of the program have more privileges in service and benefits when shopping from Rosbank PJSC. The "supercard", the conditions for which will be discussed later, will appeal to active and wealthy people.
How to get a product?
To get a package of services, you must visit the bank branch located at the place of registration of the potential client. You should bring a passport and a document confirming your work experience with you. Individuals aged 22 to 65 years can apply. The standard procedure for registration at the bank has some specific feature, due to which the Supercart card from Rosbank is available on preferential terms. The promotional code is this interesting detail for free annual service. A combination of numbers and letters is provided to the current client for distribution in any way. When applying for a card, an individual shows a promotional code, which saves on maintenance in the first year.
It is noteworthy that the attraction program extends to existing customers of Rosbank PJSC. “Supermap”, the conditions for obtaining which are quite simple, is not the ultimate dream for many people. After the announcement of the “Supercard +” service package, cases of switching to this tariff plan from simpler ones become more frequent, which can also be done using the promotional code, having received a year of service as a gift.
Premium Card Benefits
Each bank offers Visa Gold or Platinum . Rosbank was no exception. Focusing on the high level of income 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 large purchases, travel, payments abroad.
Visa Gold and Visa Platinum are convenient, profitable and prestigious. Cards of this level open up many opportunities for their owners, including:
- high limit for a one-time withdrawal of funds;
- free emergency replacement in a short time;
- legal advice and medical insurance for travelers;
- bonus program;
- discounts on flights, the best hotels and restaurants in the world with the possibility of booking;
- preferential car rental.
The platinum card additionally includes an extended concierge service and two types of insurance for purchases.
Cashback
A pleasant cashback service is also provided for the “Supercard”, “Supercard +” service packages. True, the conditions for its accrual vary. For example, for owners of the first version of the product, cashback is charged for every 3 months in the amount of 10%. But in order to get such a rather 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. For 2016, under the Supercard program (Rosbank), the reviews of which are very positive, the following sections of purchases are established for which cashback is charged:
- 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 that are not included in the above categories are rewarded with a return of 1% of the payment amount to the account.
“Supercard +” will delight its owners with a 7% cashback, which is charged in 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 that are not on the list, 1% is returned to the card holder.
But for beginners a pleasant surprise awaits from the Supercard program. Rosbank, whose reviews are mostly positive, provides a 7% cashback in the first three months of using the card. It is worth considering that the monthly fee is limited to 5 thousand rubles.
Remuneration for the remaining funds
In addition to the benefits that the user receives from Visa Gold and Visa Platinum premium cards, the bank offers its own bonuses under the Supercard program. Rosbank, whose customer reviews are fairly good, provides cardholders with a reward for the remainder of the money on the card. The gradation of accrual of annual interest is as follows:
- with a balance of less than 250 thousand rubles. - 5.5%, more - 6.5%;
- on the account less than $ 3000 - 0.25%, more - 0.3%;
- Stored less than € 3000 - 0.15%, more - 0.2%.
Remuneration is accrued for the entire amount of funds.
Participants of the Supercard + program can receive from 6.5% to 7% per annum of the balance in the ruble account (if stored up to 2 million or more, respectively), 0.35-0.4% for the amount in US dollars and 0.1 % on funds in euros.
Cashing out
Withdrawing money sometimes becomes a big problem for plastic holders: you need to calculate how much it is more profitable to remove taking into account the commission, and the “native” terminal is not always at hand. Holders of the Supercard do not know the problem of cashing out, because Rosbank took care of its customers as well as possible. It is possible to withdraw money from the card without a commission not only in the “native” ATM, but also using the partner terminals. Among them are Alfa-Bank, VTB-24, Gazprombank, Russian Agricultural Bank and many others. Free withdrawals are available worldwide and on the devices of the Societe Generale group.
If you need to cash money through the cashier, you will have to pay a small commission to Rosbank - 0.5% of the amount (minimum 29 rubles) or 1% of an external organization (minimum 150 rubles).
Refill
You can not only withdraw money from the card, but also replenish its account if necessary. To carry out the operation, you need to know the number of the contract with the bank or the card number. You will also need a passport if crediting occurs through the cashier. The owner of the plastic has several options for replenishment: transfer from another card, depositing funds through a terminal, cash desk or online service. The bank set a limit on account replenishment - not more than 75 thousand rubles for one Card to Card transfer and not more than 500 thousand per month for online transactions.
"Supercard" ("Rosbank"): service tariffs
Like any other product, the “Supercard” service package must be paid annually. Rosbank collects a monthly service fee. The difference between the two cards is only 50 rubles: the initial version of the "Super Card" will cost 450 rubles. per month, and an advanced "Supercard +" will cost 500 rubles. per month. By calculating the amount for the year, you can make sure that these products are not created for every citizen.
But wealthy people will be delighted by one small condition put forward by Rosbank. The "Supercard", the cost of which in the usual case will be 54 thousand rubles, will be serviced completely free of charge with an aggregate account balance of 250 thousand rubles. The same applies to the “Supercard +” service package.
Super Account Terms
Time deposit is available under the Supercard program. The version of the service package with Visa Platinum does not have such a function. The deposit is valid for 3 months. For conservation, you can put from 1000 to 250 thousand rubles. The fee is 10% of the amount, it can be capitalized or transferred to the main account using the online service.
After the deadline, all funds can be withdrawn. According to the “Supercard +” program, a deposit is not opened, only savings accounts with interest accrual are available.
“Supermap” from “Rosbank”: pros and cons
Any plastic can bring its owner both benefits and complete disappointment in banking services. In order not to overshoot with the choice of such an important payment instrument in modern life as a card, it is worth weighing the pros and cons and at the same time study the reviews of customers who have already used the services. Based on the experience of the owners of the "Supercard", we 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 cash withdrawal limits;
- interest on account balance;
- free withdrawals and a large network of partner banks.
As you can see, the list is impressive. Clients noted many positive aspects of the Overcard, but why were they dissatisfied? Common causes of negative comments towards the product are:
- high cost of service;
- many points that must be observed in order to use the card become profitable;
- paid SMS service;
- the unnecessity of a large number of accounts and cards.
The "supercard" from "Rosbank", the pros and cons of which were discussed above, is still quite good and in its own way profitable. The main problem is that it is really accessible to a small audience.
Reviews
There was a lot of talk about the Supercart on the Web and on television. Advertising attracted new customers, people passed codes to each other and advised a unique package of services. Those who did not have time to issue a "Supercard", with pleasure agreed to the updated program "Supercard Plus" ("Rosbank"). Online purchases with fraud protection and an additional guarantee, cashback bonuses, benefits of premium cards, currency savings accounts - all this can be obtained as a single product. Those for whom the balance of 250 thousand rubles is a common thing, appreciated the functionality of the "Supercard". In other cases, the program is unreasonably expensive and promises loss rather than profit. Users are advised to draw up a service package only when it is really necessary, and the owner has enough funds to service it. On the whole, the Supercart (Rosbank) receives good reviews.
A unique package of services is offered to its current and future customers by Rosbank. It consists of 3 debit cards and 4 savings accounts in different currencies. Using the "Supercard" will bring true pleasure to people with a high level of income.