Banking services package "Supercard" ("Rosbank"): reviews, conditions, tariffs

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

"Supercard" from "Rosbank" is not just a debit card in its classic form, it is a large package of services, which includes many interesting offers. According to the financial institution, the holders of such plastic receive "super benefits". What is so unusual that the bank offers its potential and current customers? Rosbank described Supercard as a profitable product for users with above-average incomes.

What is the "Overcard"?

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 design an interesting product to this day. The service package includes:

1. Main card Visa Gold.
2. Additional plastic in the amount of two pieces: Classic and Gold.
3. Four active accountsin different currencies: rubles, US dollars, euros and Chinese yuan. They can be linked to received cards.
4. Savings deposit "Superaccount".

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 the package of services, and a new, even more interesting product has turned out - "Supercard +". It includes Visa Platinum, Gold and Classic premium cards, four currency accounts and a deposit. The owners of the extended version of the program have more service privileges and benefits when making purchases from Rosbank PJSC. The “Supercard”, the conditions for obtaining which will be discussed below, will appeal to active and we althy people.

How to issue a product?

To receive a package of services, you need to visit a bank branch located at the place of residence of a potential client. You should take your passport and a document confirming the work experience with you. Individuals between the ages of 22 and 65 can apply. The standard registration procedure at the bank has some specific feature, thanks to which the Supercard card from Rosbank is available on preferential terms. Promo code - and there is this interesting detail for a 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 shows a promotional code, which allowssave on first year maintenance.

It is noteworthy that the attraction program also applies to existing customers of Rosbank PJSC. The "Supercard", the conditions for obtaining which are quite simple, is not the ultimate dream for many people. After the announcement of the "Supercard +" service package, there are more cases of switching to this tariff plan from simpler ones, which can also be done using a promotional code, receiving a year of service as a gift.

Premium Card Benefits

Each bank offers to issue 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 needed when making large purchases, traveling, and paying 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 on one-time withdrawals;
• free replacement in case of emergency in a short time;
• legal advice and he alth insurance for travelers;
• bonus program;
• discounts on flights, the best hotels and restaurants in the world with the possibility of booking;
• preferential car rental.

Platinum card additionally includes extended concierge service and two types of purchase insurance.

CashBack

Pleasant cashback service is also provided for service packages "Supercard", "Supercard+". True, the conditions for its accrual vary. For example, for owners of the first version of the product, cashback is credited for every 3 months in the amount of 10%. But in order to receive such a rather big reward, the total amount of purchases must 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 program "Supercard" ("Rosbank"), reviews of which are very positive, the following sections of purchases are established for which cashback is credited:

• from January to March - he alth 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 listed categories are rewarded with a return to the account of 1% of the payment amount.

Supercard+ will delight its owners with a 7% cashback, which is credited to the same categories as under 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 a pleasant surprise awaits newcomers from the Supercard program. "Rosbank", reviews of which are mostly positive, provides a 7% cashback in the first three months of using the card. It should be borne in mind that the monthly remuneration is limited to 5 thousand rubles.

Reward on balancefunds

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 quite good, provides cardholders with a reward for the balance of money on the card. The gradation of the calculation of annual interest is indicated as follows:

• with a balance of less than 250 thousand rubles. – 5.5%, over – 6.5%;
• on the account less than $3000 - 0.25%, more - 0.3%;
• stored less than €3000 - 0.15%, more - 0.2%.

Remuneration is charged on the entire amount of funds.

Participants of the "Supercard+" program can receive from 6.5% to 7% per annum of the balance on the ruble account (if they are stored up to 2 million or more, respectively), 0.35-0.4% on the amount in dollars US and 0.1% on EUR funds.

Cash Out

Withdrawing funds sometimes becomes a big problem for plastic holders: you need to calculate what amount is more profitable to withdraw, taking into account the commission, and the "native" terminal is not always at hand. Holders of the "Supercard" do not know the problems with cashing out, because "Rosbank" took care of its customers in the best possible way. You can withdraw money from the card without a commission not only at the “native” ATM, but also using partner terminals. Among them are Alfa-Bank, VTB-24, Gazprombank, Rosselkhozbank and many others. Free withdrawals are available worldwide and on devices from the Societe Generale group.

If you need to cash out through the cashier, you will have to pay a smallcommission to Rosbank - 0.5% of the amount (minimum 29 rubles) or 1% of a third-party organization (minimum 150 rubles).

Recharge

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 agreement with the bank or the card number. You will also need a passport if the enrollment occurs through the cashier. The owner of the plastic has several options for replenishment: transfer from another card, depositing funds through a terminal, cashier or online service. The bank has set a limit on account replenishment - no more than 75 thousand rubles for one Card to Card transfer and no more than 500 thousand rubles per month for online transactions.

"Supercard" ("Rosbank"): service fees

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

But we althy people will be pleased with 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 a total account balance of 250 thousand rubles. The same applies to the Supercard+ service package.

Over-Account Conditions

Term depositavailable under the "Supercard" program. The version of the service package with Visa Platinum does not have such a function. The term of the deposit is 3 months. You can put from 1000 to 250 thousand rubles for preservation. The reward is 10% of the amount, it can be capitalized or transferred to the main account using the online service.

After the expiration date, all funds can be withdrawn. Under the program "Supercard +" the deposit is not opened, only savings accounts with interest accrual are available.

"Supercard" from "Rosbank": pros and cons

Any plastic can bring its owner both benefits and complete disappointment in banking services. In order not to miss the choice of such an important payment instrument in modern life as a card, you should weigh 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 Supercard owners, we highlight the main advantages:

• PayWave payment technology;
• high card protection;
• profitable cashback;
• best offers from Visa premium cards;
• lots of bills and plastic;
• high cashout limits;
• compensation on account balance;
• free withdrawals and large network of partner banks.

As you can see, the list is impressive. Customers noted many positive aspects of the Supercard, but what were they dissatisfied with? Common causes of negativecomments towards product steel:

• high maintenance cost;
• many points that must be observed to make using the card profitable;
• paid SMS service;
• uselessness 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 profitable in its own way. The main problem is that it is really accessible to a small audience.

Reviews

The "Supercard" was talked about a lot on the Web and on TV. Advertisements brought in new customers, people passed codes to each other and recommended a unique package of services. Those who did not have time to apply for the "Supercard" gladly agreed to the updated program "Supercard Plus" ("Rosbank"). Online shopping with fraud protection and extra guarantee, cashback bonuses, premium card benefits, foreign currency savings accounts, all in one product. Those for whom a 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 more losses than benefits. Users are advised to issue a service package only when it is really needed, and the owner has enough funds to maintain it. In general, Supercard (Rosbank) receives good reviews.

Rosbank offers its present and future clients a unique package of services. It includes 3 debit cards and 4savings accounts in different currencies. Using the "Supercard" will bring real pleasure to people with a high level of income.