Roba MasterCard Gold Card: sabis, amfani ko rashin amfani

MasterCard Gold - babbar zinariya premium cards cewa bude don su kambun mai yawa dama. Wannan shi ne babban sabis da kuma saukaka amfani da, komai inda a duniya shi ne mai shi. "MasterCard Gold" yana ba da kambun mai yawa nice kari a cikin irin rangwamen, ta ƙara karbo iyaka da tsabar kudi da kuma high quality na sabis a gidajen cin abinci da kuma hotel-hotel a duniya. Make a Gold Katin ne sauki a wani banki na kasar. Ka yi la'akari da yanayi na shirye-shiryen da kuma yin amfani da fasali.

Game da MasterCard cards da premium

MasterCard - a biya tsarin kasa da kasa da matakin, wanda shi ne sarkin duniya. Akwai da dama iri katunan da cewa suna da nasu halaye da kuma su dace da wani musamman nufi da masu amfani. Suka sãɓã wa jũna a cikin kudin na shekara-shekara tabbatarwa, sabis fakitin, da kuma a kan iyaka withdrawals. Ko da kuwa abin da irin katin da amfani ya zaba, tare da MasterCard, shi samun mai yawa abũbuwan amfãni:

• za ka iya biya domin sayayya a 210 a} asashen duniya.
• zagaye na nan kowane goyon bayan abokin ciniki ne ko da yaushe a shirye su taimaka.
• sauki don amfani ba tsabar kudi kudi a wani kudin.
• babban matakin tsaro na tsabar kudi ajiya a kan katin lissafi.
• dogon lokacin da kulawa katin - 2 shekaru tare da ci gaba da sake batun idan ya cancanta.

Kowane biya tsarin yana da jerin zinariya ko platinum cards. A Turai da kuma Amurka masu su - .. arziki da kuma nasara mutane, cewa shi ne, to da yarda ne kawai a tabbatar da isasshen kudin shiga. katin sabis gaske zuba kudi mai yawa, amma a lokaci guda, da sabis da aka bayar wanda zai iya zama da amfani sosai m kasuwa. A Rasha, duk da haka, don en, a zare kudi MasterCard Gold iya zama kowa dan kasa. Saya wannan banki samfurin a sau ba kawai ga aikin ko tafiya, amma kuma a Jaddada su status. Duk wani bonus katin - a irin wani ɓangare daga siffar wani cin nasara mutum.

Abin da aka haka jawo hankalin "zinariya" katin bashi? Gold Product Buga wata ijãra a kansa tsarin tabbatar da high quality sabis da kuma a kalla amfani da sabis. User jiran wani m bonus da rangwamen, shiga a cikin rangwamen shirin, ya karu da iyaka a kan withdrawals, free inshorar kiwon lafiya a kasashen waje. Kowane banki na Premium katin mariƙin za a fĩfĩta da abokin ciniki.

Nau'in na roba cards

Mutane da yawa biya tsarin, kazalika da kayayyakin miƙa ta su, amma babban bambanci tsakanin su ne da irin banki katin: zare kudi, bashi, ko overdraft. Bari mu bincika kowane daga cikinsu dabam.

Zare kudi da katin damar da mariƙin zuwa jefa kudaden da aka gudanar a wani bank account daura shi. Kudi za a iya canjawa wuri zuwa gare shi ta hanyar bangarori uku ko da mariƙin. Alal misali, mafi kungiyoyin lissafa abubuwan da albashi a bank account. The ma'aikacin shirya wani zare kudi da katin da damar karbar kuma lissafi. wata-wata sabis fee an cire sau daya a shekara. Its size dogara a kan irin katin da bayarwa banki. Duba fitar da taswirar Can adult jama'a a kan gabatar da wani fasfo. Yana yiwuwa a hašawa zuwa shi data kasance bank account ko haifar da wani sabon daya. Yana nufin mai shi zai iya jefa a ranar aikace-aikace na bude wani asusu / katin batun. Kuma samun latest game da daukan wani mako ko biyu.

A katin bashi damar yin amfani da bankin kudi da aron a kan wasu yanayi. Yana dole ne kawai a aro kudi. Samun wani katin bashi ne da ɗan more rikitarwa da wani zare kudi da katin. Don yin wannan, kana so ka tabbatar da nema ta solvency ta samar da dacewa da takardun shaida (kudin shiga, ayyukan yi, na fensho gudunmawar). Wannan shi ne wani sosai dace hanyar rance: ba za mu kullum gudu zuwa banki da kuma jira da rajista da kwangila a kan wani musamman saya. Samun shi sau daya, ba za ka iya amfani da kudi kafin karshen iyaka.

Akwai kuma wani hada roba katin da wani overdraft makaman, wanda a Rasha banki yi ma kira bashi. Duk da haka, shi ne wani zare kudi, amma tare da yiwuwar daga cikin yin amfani da aro kudi. Da farko, da kudi adana a kan taswira mai amfani. Idan hukumar da mariƙin na saya ba su da isasshen kudi, da samarwar adadin zai ta atomatik cajin your bank account. Overdraft iyaka ne.

MasterCard Gold katin za a iya bayar a cikin wani na sama jinsunan. Bugu da ƙari, cikin iyaka a kan tsabar kudi withdrawals, da kuma yin amfani da rance ga shi ne mafi girma fiye da wadanda na sauran banki kayayyakin (Maestro, Standard).

MasterCard kayayyakin

Don godiya shawarwari ga MasterCard Gold katin, shi wajibi ne don samun saba da sauran kayayyakin na biya tsarin. Daga cikin su akwai kowa:

• Maestro, Lantarki - mafi sauki katin, cheap don kula da (150-300 rubles). A daidai wannan sunan da mai sunan rubuta amma ba niƙe a kan roba. Wannan katin za a iya amfani da su yi wani biya, fãce Internet ayyukan. Sau da yawa sun ake nufi don sabon shiga.
• Standard - daya daga cikin na kowa tsarin MasterCard cards. Wannan mafi kyau duka hade da ayyuka da kuma kudin da kulawa. Samuwa a matsayin zare kudi da kuma bashi. Akwai online biya, a tsarin na kari kuma rangwamen.
• Duniya - a Boon ga m matafiya. Special tabbatarwa shirin samar da inshora, kari kuma rangwamen a kan daban-daban da sabis.
• Duniya Black Edition - samar da wani musamman matakin na ta'aziyya. Kuma damar da m kulob din na matafiya, wanda taimaka wajen shirya wata tafiya zuwa kowace ƙasa. Samuwa Concierge sabis.

Saboda haka, "MasterCard Gold" - a giciye tsakanin misali da high-karshen cards.

MasterCard Gold: abũbuwan amfãni

Tare da "MasterCard Gold" mai amfani na'am da yawa gata. Alal misali, bashi da iyaka na iya zama fiye da 300 000 goga. tare da wani alheri lokacin (ta amfani da Naira Miliyan Xari ba tare da amfani) 50 days. Kuma rage shekara-shekara amfani kudi. Domin kambun "zinariya" katin, shi ne 23%. Monthly biyan bashin a balaga na aro don Gold katin bashi zai zama 5% na jimlar.

Lokacin amfani da wani zare kudi da katin mariƙin ana ma jiran wata kyau bonus. Domin ajiya nufin an caje wani kaso fee. Ya kamata a ce cewa "zinariya» MasterCard katin yana da wani babban mataki na kariya. Yana goyon bayan 3D Secure tsarin cewa tsiraru da tabbatar da aminci da online biya. Idan ka rasa ta katange katin da kuma asusun mariƙin na da hakkin ya za su samu kudi a kan sabis "karin kudi."

Bugu da kari, da "zinariya» MasterCard katin yana da wadannan abũbuwan amfãni:

• da yiwuwar biyan bashin ayyuka da kuma kaya a duniya.
• tsabar kudi withdrawals a ATMs na kowace ƙasa a cikin bukata kudin.
• inshorar kiwon lafiya.
• rangwamen da kari lokacin da biya domin sayayya, hotel reservations.
• sharadi gwargwado ga mota haya.

Make a katin a daya daga cikin kasar bankuna. Yanayi na shirye-shiryen da kuma amfani iya zama dan kadan daban-daban.

"Golden" Sberbank katin

Sberbank na Rasha dõgara ajiye su kudi mai yawa mutane. Financial ma'aikata, bi da bi, offers abokan ciniki shiga a bonus shirye-shirye da kuma rangwamen, da kuma samar da sauki tabbatarwa. Bankin al'amurran da suka shafi zinariya katunan kamar Visa Gold, Gold MasterCard. Na yanayin - shekaru 18 zuwa shekaru 70, da gaban da fasfo da kuma zama yarda. Zai yiwu bude wani ƙarin katin for yaro shekaru 7 shekaru.

MasterCard Gold Savings fa, tã yi a kan wadannan yanayi:

• da shekara-shekara kudin na tabbatarwa - 3000 p.;
• kullum iyaka withdrawals - 300 000 goga, € 9,000, $ 12,000 ;.
• bashi da iyaka 15-600 dubu. p. tare da shekara-shekara amfani kudi na 17.9-23%.
• alheri lokacin har zuwa 50 days.
• mataki katin - 3 shekaru;
• fee ga ATM withdrawals a cikin Savings - 3%, da sauran - 4%.
• lafiya tare da katin asara - 3000 p.

Bugu da kari, mai amfani jiran kari kuma rangwamen ga MasterCard + shirye-shirye da kuma "gode" daga Sberbank. Daga cikin kayayyakin more rayuwa a cikin sabis - "Mobile banki" da "Sberbank Online", da ikon biya gidaje da kuma zamantakewa da sabis da halittar avtoplatezhey, dauri ga lantarki walat.

«Gold» MasterCard a wasu bankuna

wata babbar adadin bashi da kudi cibiyoyin cewa bayar da zane biya katunan aiki a Rasha. "Alfa-Bank", misali, yayi musamman iri inshora da kuma wani m sha'awa kudi a kan "zinariya" katunan bashi - 17% annum tare da iyaka na 210 000 p.

"VTB 24" Gold katin mariƙin samar da wani free Concierge sabis, inshora ɗaukar hoto sayayya da kuma ƙara tsaro ajiya wurare. A bashi da banki yayi yanayi na musamman: da kudi na ba fiye da 18% annum, tare da iyaka da 600,000 p.

Gold katin a cikin banki "Rasha Standard"

A banki "Rasha Standard", in Baya ga saba roba katin biya tsarin MasterCard ko Visa, za a iya samu, da kuma rarraba a Amurka, Canada da kuma wasu kasashe a cikin taswirar Turai, "American Express" da "diners Club". Wadannan shawarwari da sha'awar a inveterate matafiya da kuma kasuwa ne sau da yawa a kasashen waje.

Bankin cewa yayi masu amfani MasterCard Gold? Map dakatar da lamba guntu da Magnetic stripe. A mariƙin ta atomatik daukan bangare a cikin "Discount Club", wadda za ku iya samun wani bonus na har zuwa 30%. Idan Sberbank samar Concierge sabis, kawai masu da "zinariya" via Visa cards, da "zinariya misali" banki bãyar da ita ga duk kambun MasterCard. Tare da taimakon shi ne mai sauki shirya tafiya zuwa kowace ƙasa, kuma Information Service zai gaya gaba abinci wurare.

MasterCard Gold katin bashi a cikin "Rasha Standard" ya kara da iyaka - har zuwa 750 000 goga. Amma da shekara-shekara kudi dan kadan fi da cewa a cikin Savings Bank - to 28%.

AmEx Gold

An madadin zuwa "zinariya» MasterCard katin iya zama American Express Gold. The biya tsarin ne Popular a Amurka da Turai. Ƙara saya da shi, kuma a Rasha da kuma CIS. Contents shi zai iya 'yan shekaru tsakanin 25 da 65 a cikin shekaru arziki na bogi da kuma ƙarin takardun zuwa ga banki ta hankali. Shekara-shekara da sabis na katin mariƙin za kudin 4,000 rubles.

The mai amfani da aka miƙa wadannan kunshin:

• inshora da hatsarori a lokacin tafiya (a $ 250,000), wanda yake rufe sahibin kati, matarsa (mijinta) da kuma yara yan kasa da shekaru 23 da shekaru.
• da yiwuwar a gaggawa don samun wani free shawara lauyoyi da likitoci da sauran kwararru.
• sayan inshora da sata ko lalacewa for 90 days (refunded $ 1,000 per faru ko $ 50,000 a kowace shekara);
• inshora a kan asarar kaya (har zuwa $ 1,000), wani jirgin da bata lokaci ba, ko kuma sokewa, damuwa da sauran hanya (zuwa $ 250);
• hannu a cikin shirin Membobinsu Tukuici.
• damar yin amfani da tafiya hukumar, wanda zai goyi bayan mariƙin na duniya.
• abũbuwan amfãni a gare hotel reservations.
• rangwamen har zuwa 30% da tayi na musamman a lokacin da yin sayayya da kuma biyan bashin da sabis.
• Free na cajin a kan yin amfani da kudi domin shekara.
• hour free support (goyon bayan sana'a, "Mobile Banking", "Internet-banki" SMS-sanarwar.

Mariƙin na wani American Express katin bashi yayi wani alheri lokacin da har zuwa 55 days, da kuma sha'awa kudi ne daga 19,9%.

Premium katunan "diners Club"

Products wannan biyan bashin tsarin tsara don m matafiya da baƙi zuwa gidajen cin abinci. Cards diners Club (DCI) - wannan babban matakin da sabis. Member - a sannu da bako a duk babbar cibiyoyin na duniya. Daga cikin abũbuwan amfãni daga DCI cards: a low yawan zamba, da rashin hani kan dunƙule-Naira Miliyan Xari ma'amala gata na hotels, nisha gidaje da kuma abinci, sarƙoƙi da rayuwa inshora.

Janye iya zama a wani ATM da MasterCard Maestro logo (Cirrus), da biyan 3.9% hukumar (m 200 rubles). Duk da haka, da yin amfani da diners Club a Rasha ne m da tsada: yana da sauki ga saya katin mafi tartsatsi biya tsarin Visa ko MasterCard. Tare da babban rabo mai girma ta Take tare da ku a kan tafiye-tafiye, t. Don. A mariƙin gaggarumar jiran duk babbar cibiyoyin.

A cewar DCI katin bashi, za ka iya amfani da rance a cikin adadin zuwa 750 000 goga. tare da wani shekara-shekara kudi na 29%. A alheri lokacin zaunanniya 55 days, duk da haka, ya aikata kawai a kan sayan.

Visa, MasterCard, AmEx ko DCI?

Bayan dauke da bada shawarwari na daban-daban biyan bashin tsarin, shi ne mai sauki don tabbatar da cewa duk suna da, a nasu ban sha'awa da kuma amfana wa mai amfani. Domin kada ya miscalculate tare da zabi, shi wajibi ne don a fili ayyana manufar rajista. Alal misali, don tafiya ne mafi kyau Fit premium katunan "American Express" da "diners Club". Sun ci gaba da inshora da shirye-shirye da kuma gata a rajista na tikitoci, ziyartar hotels, gidajen cin abinci da kuma nisha gidaje. Ya kamata a haifa tuna cewa za a yi karin m amfani da su a cikin dollar kudin yankin.

Idan ka shirya amfani da katin a Rasha da kuma CIS kasashe, shi ne mafi m yi amfani da Visa ko MasterCard tsarin, t. Don. Kusan dukkan bankuna suna aiki tare da su. Nemo bukata m ne ba matsala. "Gold" cards bayar da sabis don matafiya, ciki har da inshorar kiwon lafiya, booking hotels da kuma iska tikiti. MasterCard Gold farashin isa 30% na kari kuma kammala bayarwa banki.

"Gold" katunan MasterCard tsarin - mai girma zaɓi don samun iyakar ta'aziyya daga yin amfani da wadanda ba tsabar kudi kudi. A owner za a yarda da mai girma da tayi, bonus shirye-shirye da kuma m rangwamen. Domin kasuwanci da kuma tafiya tare da iyali na samar da rayuwa da kuma kiwon lafiya inshora, m sabis kuma ajiyar tikiti, da fifiko a duk duniya cibiyoyin. Tare da "MasterCard Gold" shi ne zai yiwu ba kawai don jaddada su status, amma kuma sa rai mafi dadi biyu a gida da kuma waje.