What is a premium credit cards, and they are better than others

The existing bank card variety of easy to get confused: debit, credit, virtual... Today we tell about premium cards - product for people who choose high quality life.

Bonus card - a convenient payment instrument, for basic functions are not different from the classical card: you can pay in shops and cafes, to withdraw money from the account and make purchases Internet. The difference lies in a much wider set of additional features, or rather the privileges. Let us consider each of them in detail.

Security

This advantage will appreciate the travelers and the people who are on duty are often on business trips abroad. For example, owners of cards Visa Gold category¹ and above can get help in dealing with the medical and legal issues in any country of the world. Visa Global Customer Service (Global Customer Assistance Services) operates 24 hours a day, seven days a week. The site can also find the phone to lock lost during the trip Visa cards.

The list of tasks that will help you decide whether to activate a telephone consultation with a health professional, the selection of medical institutions in country of residence, and entry to the reception, delivery of necessary medicines, providing information on the Legal Practitioners and more more.

In addition, Visa Signature cards in the first 90 days of trips in Russia and abroad provides an enhanced security program. It includes health protection of personal property and help protect themselves from unforeseen costs. According to this program, you can insure not only themselves, but also five more people, such as family members.

purchase insurance

On why the pay card is more profitable than cash, we have told: Discounts, keshbek, special offers... The owners of the premium cards even more possibilities.

If your Visa card is classified higher than Gold (for example, Platinum), the purchase, paid for with the help of such cards are automatically insured against theft or accidental damage. Insurance program does not require signing any documents, it lasts for 90 days after purchase and is valid throughout the world, including the country in which you reside.

In the insurance case, you have three choices: you can compensate for the purchase price, specified in the statement from the card account to reimburse expenses for repair or exchange the product without any problems on similar.

Extended warranty on purchased products

And another nice bonus. How often do you have to pay attention to the warranty on the goods you purchase? Usually it is 12 months. But if purchases with Visa Platinum or higher category, the warranty period is increased to 24 months.

conditions here are the same as that of the insurance purchase: nothing further need to sign, extended warranty is automatically extended to all purchases made through premium card. The differences lie in the fact that the purchase price must be at least $ 50 and get the goods you need at the store located in your country of residence.

Under the guarantee program falls appliances (from stoves and washing machines to electric toothbrushes), audio and video equipment, cameras, MP3-players, GPS-navigators.

Special abilities

We have come to the most interesting part of the story on the Privileges Visa premium cards - discounts and concierge service.

Holders of these cards will receive additional discounts at restaurants, fitness clubs, entertainment, purchase of goods and services, as well as in hotels booking time around the world. A complete list of offers is available at link. To find out which of them are available in your area, select the type of card, interesting location and type of service.

Concierge service - the best helper for those who value their time. This service allows you to book a room in a hotel or restaurant reservations, organize a business event, a party or a wedding, order delivery of flowers, buy rare items, enroll in a beauty salon or personal training. It seems that the service staff is subject to general all: even if you want to go to any event, and tickets are sold, for you will find invitations.

With the premium cards, life becomes much easier and more enjoyable, and problems are solved though by themselves. Wide range of available solutions allows you to get exactly the card that will give you the most required features.

1. Gold