Pay with a VISA premium card at BP gas stations and get a hot drink as a gift!

Use your premium Visa card to pay at BP gas stations and get a hot drink as a gift for purchases over 2,000 rubles!

How to take advantage of the offer:

• Make a purchase at BP gas stations with a Visa Platinum, Visa Signature or Visa Infinite premium card in the amount of 2000* RUB.
• Get a hot drink (coffee and/or tea) as a gift.

* If the amount of the check is 1999 rubles, then the indicated amount is rounded up to 2000 rubles.

The promotion is valid: until 09/30/2020 inclusive or until the end of the prize fund at all multifunctional BP filling stations.

GUM-skating rink

• 15% discount on tickets to GUM Skating Rink
• All Mastercards
• Moscow 30.11.2019 - 28.02.2020
• More details at the link: https://www.mastercard.ru/ru-ru/consumer/offers-promotions/gum-katok.html

Pinskiy & Co

• 10% discount in restaurants "#FARSH" and "Derevnya" of terminal B of Sheremetyevo airport
• World Mastercard®, Platinum Mastercard®, World Mastercard Black Edition®, World Elite Mastercard®
• Moscow
• Until 31.12.2020
• More details at the link: https://www.mastercard.ru/ru-ru/consumer/offers-promotions/pinskiy-concept-travelling.html

CDM & Disney

• Opportunity to win invitations to the premiere of the Disney movie "Frozen 2" and other prizes with a purchase of 6,000 rubles or more at the Central Children's Store In this regard, for communication it is necessary to use only an agreed layout - the image and text are not subject to change.
• All Mastercards
• Moscow
• Until 08.12.2019
• More details at the link: https://www.mastercard.ru/ru-ru/consumer/offers-promotions/cdm.html

Youth

• 5% discount + gift for purchase in the first flagship store in Moscow
• All Mastercards
• Moscow
• Until 31.12.2019
• More details at the link: https://www.mastercard.ru/ru-ru/consumer/offers-promotions/weareyoung.html

Novosibirsk Metro

• Opportunity to win a ticket to a KHL Game or get a movie certificate for at least 30 successful fare payments at the turnstile using contactless payment technology
• All Mastercards
• Novosibirsk
• Until 11/30/2019
• More details at the link: https://www.mastercard.ru/ru-ru/consumer/offers-promotions/metro-novosibirsk.html

McDonald's

• By buying potatoes at McDonald's, you help children not to be separated from their parents during illness:
  - McDonald's will transfer 1 ruble from the sale of each serving of potatoes to the Fund
  - for each payment for an order with a potato with a Mastercard card, an additional 1 ruble will be transferred to the Fund
• All Mastercards
• All cities where the partner is present
• 18.11.2019 – 31.12.2019
• More details at the link: https://www.mastercard.ru/ru-ru/consumer/offers-promotions.html

Sportsmaster with KHL

Opportunity to win tickets for four to the KHL All-Star Game 2020, 2000 bonus points and tickets to regular matches when paying for purchases with a Mastercard

• the minimum check amount is 2000 rubles
• to participate in the promotion you need to be / become a member of the club program "Sportmaster"

All Mastercards

Yandex.Poster(New Year's performances)

10% discount on New Year's performances, but not more than 500 rubles, when paying for tickets with a Mastercard

All Mastercards

Moscow, St. Petersburg, Rostov-on-Don, Krasnodar, Sochi, Kazan, Novosibirsk, Yekaterinburg, Nizhny Novgorod, Volgograd 01.11.2019 – 31.12.2019

Satyricon

10% discount

All Mastercards

Moscow, www.satirikon.ru

Yandex.Taxi

28% discount on Business, Premier, Elite and Cruise tariffs when connecting to Yandex.Plus Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard Moscow, St. Petersburg, Sochi, Kazan, Yekaterinburg, Novosibirsk and Krasnodar

Toll roads

20% discount

Crossroads with the KHL

Opportunity to win tickets for the whole family to the 2020 KHL All-Star Game, extra points and other prizes when paying for purchases with a Mastercard

• the minimum check amount for Moscow and Moscow Region is 1000 rubles, St. Petersburg and Leningrad Region - 800 rubles, for other cities - 700 rubles;
• to participate in the promotion you need to be / become a member of the Perekrestok Club

All Mastercards

All cities where the partner is present (more than 700 supermarkets in 131 cities)

mastercard

Loyalty program for Mir cardholders

We would like to inform you about the loyalty program for "Mir" cardholders.

To participate in the loyalty program, the holder of the Mir card must register on the website privetmir.ru and link the Mir card to his account.

For Megafon subscribers-Visa cardholders. New conditions in roaming from April 15 - outgoing / incoming calls are added to the package + the conditions for the Internet package are changed.

On April 15, the conditions for granting privileges in roaming for MegaFon subscribers are changing due to the closure of the Mir Online option.

The number of days in a calendar year does not change, namely:

• 7 days for Visa Platinum cards;
• 14 days for Visa Signature cards;
• 28 days for Visa Infinite cards.

Every day (every 24 hours starting from the moment of the first access to the Internet or a call in roaming) the subscriber will have access to:

• 1 GB of internet without speed limit for every day;
• 60 minutes for outgoing calls to Russia and any incoming calls for every day.

IMPORTANT! after spending free Internet packages and minutes during the same day, the following billing will continue until the end of this day:

• Internet - 20 rubles. for 1 Mb;
• all incoming calls - 60 rubles per minute;
• outgoing calls to all numbers in Russia - 60 rubles / min.

IMPORTANT! if the subscriber in 2019 has already spent part of the days within the World Online option (for example, 3 days out of 7 available days = the remaining 4 days), then on April 15 the days not spent will be provided under the new conditions described above.

Read more about the conditions of the promotion on the MegaFon website

Special offers for Mastercard cardholders

Satyricon

• 10% discount
• All Mastercards
• Moscow, www.satirikon.ru
• until 31.12.2019

Yandex.Taxi

• 15% discount on "Business", "Premium" and "Ultima" tariffs
• Platinum Mastercard, World Mastercard Black Edition, World Elite Mastercard and Mastercard Preferred BusinessCard
• Moscow, St. Petersburg, Sochi, Kazan, Yekaterinburg, Novosibirsk and Krasnodar
• Offer extended until 31.07.2019

Toll roads

• 20% discount
• Toll roads M-11, M-4, M-3, Odintsov Northern Bypass, Western High-Speed ​​Diameter in St. Petersburg
• World Mastercard Black Edition and World Elite Mastercard
• Offer extended until 31.12.2019

Details and conditions of the promotion - on the Mastercard website

Pay less and enjoy the little things with Visa in your smartphone.

From December 15, 2018 to January 31, 2019, Visa is in a hurry to please everyone who chooses fast ways to pay for purchases. It's time to download your Visa card to your smartphone to pay faster and get more! When you pay with your smartphone with Visa, you'll get discounts, free drinks, and holiday packages at special prices.

Take advantage of special offers:

• 30% for sweets, pastries and other goods from the showcase of the Daily Bread chain;
• Free tea or coffee at BP gas stations when buying from 1500 rubles;
• Coffee with a festive muffin for 149 rubles at Coffee House.

Enjoy every day and pleasant little things with Visa!

Details and conditions of the promotion - on the website

From July 1 until the end of 2018, Mir cardholders who pay for movie tickets through the Rambler/Kassa service will receive a 15% discount on tickets, as well as the opportunity to go to cinemas for free throughout the year.

Travel package for Visa Platinum cardholders!

You are going on a trip with your loved ones - we have collected for you everything that will help make the trip more enjoyable:

10% discounts and special offers from Novikov Group at Sheremetyevo Airport

8% discount on Hotels.com

15% discount on airport transfers with Wheely and Gett
- Free Internet in roaming Tele2, Beeline, MTS, Megafon
- 7% discount on car rental with Rentalcars.com
- 20% discount on luggage packing with PACK&FLY

Offer package for Visa Platinum cards for everyone who appreciates the time spent together!

You value time with loved ones - we help to surround them with the best. With a package of offers from Visa Premium for those who value time with loved ones, life in a big city becomes more pleasant and comfortable. Use Soyuz bank Visa Platinum premium card for payment and get:

15% discount on business class travel within the city with Gett and Wheely
- Up to 20% discount on tickets and cinema bar in the network of cinemas "KARO"
- Free shipping and bonuses in Azbuka Vkusa
- 15% discount in the network of family cafes "AnderSon"
- Up to 15% discount at White Rabbit Family restaurants
- The second ticket as a gift to the Tretyakov Gallery
- 20% discount on individual tickets in "Masterslavl"
- 50% discount on the main AMEDIATEKA subscription for a year
- 50% discount on an online subscription - Okko cinema

Get used to winning!

Promotion ended

From November 20 to December 21, 2017, Mir and AliExpress are holding a joint promotional campaign in Russia.

In order to take part in the promotion, make a purchase on AliExpress in the amount of at least 200 rubles. and pay for it with a Mir card of Soyuz Bank. Next, register your purchase on the site super.mironline.ru (enter your phone number, e-mail and information about the purchase: amount, date and time).

The first 10,000 buyers receive a guaranteed prize of 100 rubles. to a mobile phone number, as well as all participants get a chance to win prizes: 10,000 rubles, 50,000 rubles,
150,000 rubles during the entire period of the promotion.

Buying household appliances is profitable.

Promotion ended

Pay for your purchase on the website www.mediamarkt.ru with a Mastercard of Soyuz Bank and get a 10% discount!

Visa promotion with a network of shoe stores Rendez-Vous.

Promotion ended

Pay for purchases with Visa Gold or Visa Platinum of Soyuz Bank in stores or place an order online at www.rendez-vous.ru and pick up your order in the store, show the customer’s discount card (open it at the checkout if you don’t have one), and get 25% discount on any purchase at Rendez-Vous stores during the promotion period plus a gift (shoe care product and shoe care guide).

Join the new promotion for Visa cardholders and get Vkusomania bonuses as a gift.

Promotion ended

Everyone loves holidays, and especially those without a reason. And with the new Visa promotion, every day can turn into a holiday.

To participate, it is enough to make a purchase in Azbuka Vkusa, AV Market, AV Enotekah supermarkets, AV Daily minimarkets in the amount of 5,000 rubles and pay with a Soyuz Bank Visa card.

Be a special guest at the Cannes Film Festival with Mastercard

Promotion ended

Mastercard invites you to immerse yourself in the magic of cinema and feel like a special guest at one of the most exciting film events of the decade. Sign up for the Priceless Cities Mastercard program https://ru.priceless.com/cannes from March 6 to April 9, 2017 and get a unique opportunity to win a trip for two to the 70th Anniversary Cannes Film Festival, as well as other prizes from Mastercard. The Mastercard Priceless Cities program is an unforgettable experience and privilege for Mastercard cardholders around the world. Finding yourself in the world of big cinema is priceless

Joint campaign by Visa and Afisha-Restaurants for Visa premium card holders.

Promotion ended

We are pleased to inform you that Visa and the Afisha-Restaurants service have prepared a special offer for Visa premium card holders. All holders of Visa Gold (Gold), Platinum, Signature and Infinite categories can receive 10% of the invoice amount when paying with a premium Visa card. Take advantage of Visa privileges and please your loved ones with an unforgettable dinner from famous restaurants in Moscow and St. Petersburg.

1. Book a table in a restaurant from the "Visa Premium Restaurant Program" selection through the Afisha-Restaurants mobile application or on afisha.ru

2. Get a 10% discount when you pay your bill with your premium Visa card

Promotion period: until June 30, 2017. Organizer: Afisha Company LLC, (OGRN 1107746038410). A 10% discount from the invoice amount is provided to holders of Visa (Gold, Platinum, Signature, Infinite) premium cards who booked a table in a restaurant participating in the program from July 15, 2016 to June 30, 2017 on the website or through a mobile application " Afisha Restaurants” and paid the bill with such a Visa card. The discount does not apply to any special offers of restaurants, cannot be combined with other discounts and cannot be exchanged for a cash equivalent. Detailed information about the organizer and conditions of participation in the promotion, as well as a list of participating restaurants - at rests.afisha.ru/visa. Visa International Service Association (USA).

Visa gives a chance to get into the stands of the FIFA Confederations Cup 2017

Promotion ended

Fans around the world are looking forward to the "Tournament of Champions" - the FIFA Confederations Cup 2017. World-class teams, legendary players and beautiful goals - you must see it with your own eyes! The draw includes 5 trips for two to the Opening of the FIFA Confederations Cup 2017 with a unique tour of the stadium, 150 tickets for two to the matches of the tournament and 500 prepaid Visa cards with a face value of 1,000 rubles. To participate in the promotion, you need to register on visa.ru and pay with a Visa card or phone* from March 15 to May 15, 2017 for at least 5 purchases in the amount of 300 rubles or more. Detailed terms and conditions of the promotion and its rules are available on the website visa.ru

* Contactless payment by Visa card via Apple/Samsung Pay.

Promotion period: from March 15 to August 31, 2017 inclusive. Purchase period: from March 15 to May 15, 2017. Organizer of the action: Integer LLC (OGRN 1107746108337, TIN: 7709848474). For more information about the organizer of the promotion, the rules for its holding, the number of prizes, the timing, place and procedure for receiving them, please visit visa.ru. Visa International Service Association Corporation (USA)

Shopping tastes better with MasterCard

Promotion ended

Throughout February, every Saturday and Sunday, when going shopping in AUCHAN and AUCHAN City hypermarkets in Moscow and the Moscow Region, don't forget your Mastercard! You have a great opportunity to get a can of red caviar for paying for your purchases with a Mastercard of Soyuz Bank. After payment, go to the counter near the customer service point and present your slip*. Then all that remains is to draw out the winning coupon and the caviar is yours.

* The promotion is held on February 4 and 5, 2017, February 11 and 12, 2017, February 18 and 19, 2017, February 25 and 26, 2017. For more information about the number of prizes, addresses of stores participating in the promotion, find out at the customer service point in stores and on auchan websites. ru and mastercard.ru. Purchases in the online store are not accepted. Opening hours of the promo counter from 9.00 to 21.00

The use of a bank card for modern society has become an integral part of life. This saves a lot of time, as cash and cashless payments are available. The credit line helps consumers who are experiencing financial difficulties. However, most customers do not understand the difference and doubt whether they should choose Visa or MasterCard. Each has its own characteristics. Knowing them, you will not have to choose blindly.

Page content

Visa payment system

The leading international system is based on the dollar currency. The conversion here takes place precisely through this unit of account. The reason for the popularity of the service is the use of 30 million merchants operating in over 200 countries.

The American company occupies about 28% of the card issuing market. The greatest demand is recorded in the settlements of North America, and the smallest - in Asia. The work involves its own security utility 3D Secure. The purpose of the implementation is to increase security and simplify online payment by cards.

The security structure is based on 3 independent domains:

1. Issuer (banks and cards).
2. Acquirer (financial companies and owners).
3. Interaction (coordinates domains).

Every money transaction goes through them. The company appeared in the Russian Federation in 1974. Partners are all Russian banks.

Characteristics:

• the total number of serving ATMs is more than 1 million;
• over 50% of the turnover of financial international organizations passes through the system;
• 20 thousand participating institutions.

Among the advantages:

• account management is available around the clock and in any locality;
• conducting online transactions;
• the currency is universal for each of the states;
• no commission when debiting (does not depend on location).

Over the past decade, the scope of system maintenance in the Russian Federation has greatly expanded. Most Russian workers are holders of payroll debits of this service. There is hardly a cinema, cafe or supermarket where there is no special terminal for cashless payments.

Payment system Mastercard

Another international corporation that brings together a huge number of financial companies. In order to understand the difference between Visa and MasterCard, it is important to familiarize yourself with the features of each of the systems.

The service unites over 20,000 credit enterprises located in 210 countries. Among the main activities:

• card issue;
• electronic online payments;
• physical service. individuals and corporate clients.

Now the corporation embraces the market of issue of plastic cards by 25%. The number of annual transactions is over 25 billion. The indicators for the use of products in the Russian Federation are constantly increasing, so the share of Mastercard in non-cash transactions is 38%. The system is rapidly catching up with Visa. Almost all Russian banks cooperate with the corporation.

Most of all MPS is popular in the EU countries, China and Brazil. The minimum number of clients of the system is registered in North America, although the representative office of the corporation is in the USA.

MasterCard features:

• conducting monetary transactions by individuals and legal entities;
• programs of emission (production) of bank cards.

The number of holders increases along with the number of positive reviews. The development of service and functionality is carried out constantly. This is due to the use of products in Russia, since the state offers an increase in the company's profits.

According to statistics, 40% of Russian banking instruments are issued by this company. Soon she will not yield to Wise. The rapid growth of the system is due to partner banks, and especially to Sberbank.

Similarities and differences between Visa and Mastercard

These two largest services occupy a leading position among analogues, since their reliability is not in doubt. The indicator of Visa in terms of the scope of non-cash transactions is higher, but it appeared on the market earlier. Payment system customers would like to know what is the difference between Visa and MasterCard.

There are more terminals that support Visa, but they also serve MasterCard plastic. In terms of consumer qualities, the services are almost identical. According to the levels, Visa and MasterCard cards are divided into regular, enhanced and premium. These are debit instruments and credit cards.

The systems are produced in series.

In the Russian Federation and foreign countries, most consumers use the products of these MPS, but more often it is not known which card is better - Visa or MasterCard. It is impossible to make a clear choice. The functionality of the services is similar, in most institutions the payment is made through them.

It is customary to issue a dollar or ruble account on the basis of Visa, and euro and national currency - on Mastercard. Attaching an account to an American or European unit of account is conditional, binding is available to any of them.

The conversion process is different, but this is not due to global services, but to the specifics of the sphere of issue of cards. Some consumers prefer to use the Visa, considering it more reliable, but this is not the case.

MPS Similarities:

• level of protection;
• three years of activity;
• instant payment transactions;
• high availability of use;
• the account supports 3 currencies;
• full operation outside the Russian Federation;
• the same annual maintenance fee.

There are no significant differences between the systems. In technical terms, they are no different, which is confirmed by the reviews of the owners. Differences are revealed only in specific situations.

These are the cases:

• the use of plastic of different levels;
• bonus conditions of partners (banking organizations) that are associated with Visa and MasterCard payment systems;
• in the process of conversion;
• when paying online or using a terminal.

Comparative analysis.

Parameter	Mastercard	Visa
Spreading	210 states	200 countries
Market coverage	25%	28,5%
Security code	CVC2	CVV2
Add. services	Help in emergency situations Bonuses	Emergency support service in foreign countries in case of theft or loss of plastic Travel health insurance services Lawyer consulting Plastic owner insurance Bonuses
Outlets	30 million	20 million
Bonuses	Points for making purchases with the card are exchanged for gifts from the catalog Discounts	Discounts up to 10% with partners Regular promotions

Which card is better in Russia

For citizens of the Russian Federation, MPS Visa, Mastercard and MIR (new national service) are available. The latter appeared in 2014. This is a product of the Central Bank, independent of foreign organizations. MIR plastic has similar options as American systems:

• issuance of funds and deposit;
• non-cash transactions settlement;
• Money transfers.

The only difference is the impossibility of using the product abroad. However, if the consumer does not plan to travel to foreign countries, this is not a disadvantage. The national system of the Central Bank MIR is convenient, accessible, safe and reliable.

Sberbank products

All major Russian banks cooperate with both payment systems. Often consumers have to decide which card is better to issue - Visa or MasterCard of Sberbank. If it is difficult to choose, you should compare the characteristics of the MPS.

Users have access to virtual, credit and debit lines with logos of these systems. You can select instant products that do not have holder data on the front. They are received immediately. An example of such products is the Maestro series. Many Maestro owners don't know if it's Visa or MasterCard. This series belongs to the entry-level MPS Mastercard.

An analogue of the second service is Visa Electron. Classic and premium products are also available. Therefore, the client himself can determine which is better - a Visa or a Mastercard of Sberbank, based on his own preferences.

Instant plastic is issued immediately upon filling out the application, and is also distinguished by the absence of a service fee. However, this line has its drawbacks. Abroad, it is impossible to withdraw money from non-named instruments, as well as pay for goods in most online stores.

Attention! SB promotions include Podari Zhizn and Aeroflot products bearing the Visa logo. Holders of Aeroflot products are awarded points that accumulate, and discounts are provided when buying air tickets.

Which card to choose for a trip abroad

If you are going to travel to another country, it is important to understand the conversion algorithm when shopping abroad in order to decide which of the two systems.

The products of both MPS are accepted for payment all over the world. If it is impossible to determine what to choose Visa or MasterCard, two types of plastic are available, linked to one account number. The result is a co-badged product: chipped or equipped with a magnetic stripe.

The conversion mechanism works as follows:

1. When paying in a foreign store in the currency of the state, the bank serving the trade enterprise sends information to the Ministry of Railways about the need to write off a certain amount from the owner of the plastic.
2. The IPU converts the local unit of account into the currency that is used in the settlement between the system and the bank that issued the card, and then issues an invoice.
3. Further, the converter acts on the basis of the conditions of the bank. You can use your own exchange rate or the Central Bank.

For conversion, additional commissions within the services are not provided, Visa and MasterCard payment systems do not receive profit from this.

The differences between MPS are minor. Before you issue plastic, you just need to clarify the conversion rate in a particular banking company, and also select a product:

• with profitable cashback;
• democratic cost of service;
• a small commission for issuing money in foreign countries.

You need to decide which card is better than Visa or MasterCard on your own, taking into account your own preferences.

To Europe

The main difference is clearly seen when operating abroad. The difference lies in the use of the dollar currency in the case of a Visa and the euro if a Mastercard is used. Outside the Russian Federation, the currency is converted from the main account unit of the card. Any of them can be used as the main one when opening an account. This will save the holder a lot of money.

Consider the situation. A Mastercard owner with a ruble account is going to pay for a hotel room in Vienna. Settlement in euro. In this case, the conversion takes place according to the ruble-euro rule. If the user has a Visa, then the model will be different: rubles - dollars - euros. As a result, you have to pay the commission twice. Therefore, when planning a trip to Europe, you should choose Mastercard.

Attention! If a card of the Gold or Platinum series is suddenly lost, the reissue will be carried out in the shortest possible time. Cash disbursement will be provided. And also, the owners of premium-level products have access to the help of lawyers and doctors free of charge.

As an example, consider the need to pay for a T-shirt in dollars. Conversion to the Ministry of Railways Visa follows the rule: rubles - dollars. In the case of Mastercard, it is different: rubles - euros - dollars. In other words, when going to the USA, you should choose Visa so as not to pay a double commission for conversion every time.

Important! If you open not a ruble, but a dollar account in a bank where plastic is ordered, then the purchase of currency will occur at the request of the holder once, and not with each payment transaction. The same is done with the euro. When ordering a card, check this with the bank manager.

Conclusion

If you need a card to pay salaries in rubles and conduct various financial transactions within Russia, then you should choose not according to payment systems, but according to the benefits of tariffs for the initial, classic and premium lines. Also, plastic can be virtual or regular, debit, or with credit.

As you have already noticed, I periodically write about different and about the conveniences and advantages of cards issued by different banks. Meanwhile, in addition to the benefits provided by the issuing bank, there are also special offers from payment systems - Visa and mastercard.

Having cards of different payment systems - both Visa and Mastercard - you can maximize your bonus opportunities (I had to use special offers from both of these payment systems). Perhaps other payment systems have their own bonuses - UnionPay, American Express, but they are not so common here, so I will donate them in my post.

VISA

http://visa.com.ru

Program Visa Bonus has its own network of partners that provide discounts when paying with a Visa card (more precisely, Visa Classic and Visa Electron).
Here is some of them:
Magic of Childhood - 5%,
Rake Cafe, London, Soho - 10%,
Ascona mattresses - 10%,
Adamas - 5%,
LitRes - 10%,
Planet Fitness - 35% (!!!)

These promotions are limited in time and have a number of restrictions, so they may not always work.

In addition, Visa constantly conducts stock: when paying with a card, the holder participates in the draw. Now, for example, the action "Multiple wins with Visa!" - paying by card for purchases over 300 rubles, you can return the purchase price (but not more than 2000 rubles at a time and not more than 4000 rubles per participant). The promotion is valid from June 15, 2015 to September 15, 2015. Such promotions at Visa are held one after another. ATTENTION! The promotion is not valid for all banks!

MASTERCARD

http://www.mastercard.com/ru

In general, the benefits of mastercard similar to "visa" ones: these are discounts from partners and promotions.

Mastercard has a program "Priceless Cities", by registering in which you can receive discounts in the selected city (we have Moscow):
- the opportunity to purchase Samsung Galaxy S6 Edge Special Edition with a 10% discount,
- free breakfast and room upgrade at Swissôtel Hotels;
- wine in boutiques "Caudal" with a discount of up to 20%, etc.

There are also temporary promotions simpler. For example, here are some of the current ones:
- 10% discount on a combo lunch at Burgerking,
- 15% discount on orders with you in "Shololadnitsa".
- 5% discount at Ginza Project restaurants, etc.

Somehow I'm on a promotion from Mastercard.

In addition, there is also a bonus program MasterCard Rewards with bonus accruals, but only Svyaznoy Bank and MDM-Bank premium cards participate in it.

So, being the holder of a bank card of a particular bank and understanding its advantages, do not forget that there are still certain advantages from the payment system - Visa or Mastercard.

The largest payment systems at the moment are MasterCard and Visa, where they account for about 26% payment cards of the world, and on Visa - 57% . MasterCard and Visa, as well as the differences between them, will be discussed today.

• VISA. Initially (from 1958 to 1976) Visa was called BankAmericard, but as it developed, it was necessary to change the name to a neutral one. There were many options for renaming, but the developers decided to call it Visa - in the translation "registration / visa / registration" and in 1976 the card was issued with a new logo.
• Payment system Interbank Card Association first appeared in the USA in 1966, as a result of an agreement between several American banks. And only in 1979 it received the name by which it is known to the present moment - MasterCard Worldwide.

Types of Visa and MasterCard cards

Visa	Electron
	classic
	Gold
	Platinum
	Maestro
	standard
	Gold
	Platinum

Comparison of Visa Electron and MasterCard Maestro

Visa Electron and MasterCard Maestro are entry-level international cards that allow for a minimal fee (up to 200 rubles / year), and in some cases - for free ( depending on the bank chosen by the client), receive the necessary minimum range of services, including:

• Non-cash payments for goods and services;
• Non-cash money transfers without the help of an operator;
• Round-the-clock access to the account, with the possibility of its management;

Visa Electron and MasterCard Maestro are most often used as payroll and their main function is to store cash.

The functionality of Visa Electron and MasterCard Maestro cards is limited - for example, with MasterCard Maestro it is not possible to pay for orders via the Internet, while Visa Electron - the availability of this option depends on the bank that provides the card. But, even if the card function includes the ability to pay online, it is not recommended to do this, since it is quite difficult to protest the transactions and the money is credited to the seller's account immediately after the transaction is approved.

If we talk about the appearance of the cards, then they are not personalized ( nameless). In addition, there are no raised elements on the front side of the card indicating the card number ( it is applied by pressing), which limits their use in devices that require a card imprint.

Difference between Visa Classic and MasterCard Standard

Visa Classic and MasterCard Standard are universal cards that have a standard set of features. With the help of these cards it is possible to pay for purchases in stores or on the Internet. In addition, these cards can be used both on the territory of Russia and other countries. For most people, the features that these cards provide are enough - that's why they are the most common among the population. This segment includes debit and credit cards.

On average, the cost of annual maintenance of such cards is 300 rubles, which is an order of magnitude lower than Gold and Premium.

Comparison of MasterCard Gold and Visa Gold

MasterCard Gold and Visa Gold are primarily used to emphasize the status of their holder. Most often they are in demand by citizens who regularly travel abroad. The cost of annual maintenance is 3-5 thousand rubles, which is much more expensive than other types of cards.

Additional levels of protection, compared to other cards, are not provided for either MasterCard Gold or Visa Gold - despite the rather high cost. However, some banks offer cardholders specialized premium programs, as well as discounts and bonuses, for example:

• Opportunity to receive cash in subsidiary banks abroad without charging additional fees;
• Receiving discounts from bank partners when paying for: purchases, services in beauty salons, accommodation in hotels and inns, cafes and restaurants. In addition, it is possible to purchase travel vouchers from a bank partner with a discount of up to 5%;
• Invitations to various cultural VIP events and closed sales;
• The possibility of emergency cash receipt if the cardholder has lost it.

In addition, the price includes a standard set of services - Internet banking, SMS banking, SMS notification.

Difference between MasterCard Platinum and Visa Platinum

MasterCard Platinum and Visa Platinum are premium-class credit cards, just like Gold, they are primarily designed to emphasize the wealth of the owner. The cost of servicing the card averages from 5 to 10 thousand rubles per month. In addition to the status, the Platinum card gives its owner the following benefits:

• Exclusive service;
• Increased level of service around the world;
• Receiving discounts when using the services of bank partners;
• The ability to receive bonuses and make payments with them - including when buying tickets;
• Possibility of emergency cash withdrawal in case of loss of the card;
• Just like Gold, the ability to receive funds without paying additional fees;

In addition, the Platinum cardholder receives the maximum package of services from the bank itself, which includes:

• SMS banking,
• Internet banking,
• SMS notification.

In connection with the above, we can conclude that if the cardholder only needs to use it for purchases and its prestige is not important, then Visa Electron and MasterCard Maestro will be the most economical option.

If the client plans to use the card when making purchases not only in stores, but also via the Internet, as well as using Internet banking services, while not spending a large amount of money on servicing, then it is recommended to choose between Visa Classic and MasterCard Standard.

If we are talking about prestige and a large number of functions, then the choice should be stopped at MasterCard Platinum or Visa Platinum.

What to choose - Visa or MasterCard

There is an opinion that Visa is an American payment system, and MasterCard is European, but thanks to globalization, they have long become international. For understanding, both maps are American and their main headquarters are in the USA. The shares of these companies are also traded on the New York Stock Exchange:

In order to decide which of the presented systems is better, you need to consider the differences between them, as well as their pros and cons.

Safety

When using a MasterCard payment system card, you need to enter a pin code in any case - regardless of the amount of the transaction, while when using Visa, when paying for small amounts, entering a pin code is not required.

Thus, the likelihood that unauthorized persons with MasterCard will be able to use it if the card is lost is much lower. Of course, for the majority of citizens, the security of their money plays an important role - that is why they prefer to use MasterCard.

In addition, when choosing a card, you should pay attention to the presence of chips and magnetic stripes on it - on which information about the card and its owner is encoded. On the chip, unlike the magnetic stripe, much more information is applied and it is subjected to more complex encryption - which is why it is much more difficult to copy information from it. MasterCard Maestro and Visa Electron only have a magnetic strip, which makes them more vulnerable. But starting with Visa Classic and MasterCard Standard (in some cases MasterCard Gold and Visa Gold - depending on the bank), the cards are already equipped with a chip.

• By the way, you can - read how and where to do it in our separate article.

Free legal and medical assistance

Visa cardholders can benefit from free medical and legal assistance. But, it is important to know that not all banks in our country have the opportunity to offer their customers such privileges. That is why this issue needs to be clarified in the selected bank. MasterCard does not provide such an opportunity to its customers - regardless of the bank.

Place of use

One of the decisive roles when choosing a Visa or MasterCard is played by the place where it is planned to use the card:

• Visa makes it possible to make the necessary payments in dollars;
• With Mastercard, you can make payments not only in dollars, but also in euros.

When paying in rubles on the territory of the Russian Federation, the difference between these payment systems is of no fundamental importance. However, when traveling abroad, this difference becomes noticeable.

Examples of conversions in different countries:

Germany

In Germany, payment for purchases is made in EUR:

Visa: RUB - USD - EUR;

MasterCard: RUB - EUR;

In Germany, it is much more profitable to use MasterCard - 1 conversion.

France

In France, the account is in euros, purchases are also settled in euros.

Visa: EUR - USD - EUR;

MasterCard: RUB - EUR;

The example shows that in France it is also much more profitable to use MasterCard than Visa, since in the latter case the funds will be subject to double conversion.

USD account

MasterCard: USD - EUR - USD;

In the USA, unlike France and Germany, it is more profitable to use Visa, since there is no conversion.

From the above examples, we can conclude the following:

Using MasterCard in Europe is more profitable. When traveling to the USA, on the contrary, it will be much more expedient to use the Visa payment system, since it has one conversion - into dollars.

Tariffs

It is important to remember that the tariffs for using cards in each bank are different. That is why, before making the final choice, it is recommended to clarify the following information:

• The cost of issuing a card;
• Maintenance cost (per year);
• Cash withdrawal limit;
• Conversion fee;
• The amount of the commission for withdrawing cash from ATMs of your bank;
• The amount of commission for withdrawing cash from ATMs of other banks. Some banks have a partnership agreement with some banks when withdrawing money from which no commission is charged;
• The cost of issuing a new card in case of loss;
• The cost of connecting additional services.

Bonuses

Both MasterCard and Visa offer various discounts and bonuses to their customers, for example, cardholders Visa Electron and Visa Classic can receive the following discounts:

• online store PUMA 10%;
• network of fitness clubs "Planet Fitness" 35%;
• Litres 10%;
• network of entertainment centers "Planet Bowling" 20%;
• and others.

In addition, Visa Electron and Visa Classic holders can receive gifts and/or bonuses from the jewelry brand SUNLIGHT and GetTaxi.

MasterCard cardholders also have the opportunity to take advantage of the discount in the following companies:

• "Coffee House" 10%;
• Kinohod 10%;
• "Formula Kino" 10%;
• and others.

Also, customers of the MasterCard payment system can get a 50% discount on Wi-Fi on board the aircraft by paying for the service. Transaero Connect.

Instead of output

In connection with the foregoing, the following conclusion can be drawn - if you plan to use the card exclusively on the territory of Russia, then there is no financial difference, but if we are talking about trips abroad, then it is important to take into account conversions and choose a card and a currency account with minimal conversions.

Do not forget about security - the MasterCard system pays more attention to this issue than Visa. But if the cardholderIf you care about the opportunity to use free legal and medical assistance, then only Visa can provide this type of service.

Which card to choose depends on your individual needs. It is important to remember that the functions provided, as well as the cost of servicing in different banks, are different - that is why, before making a final choice, it is recommended that you familiarize yourself with the offers of several credit institutions in order to choose the best option.

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Briefly about conditions and registration ✓

"Mastercard": promotion 2017 on mastercard.khl.ru

Pay with Mastercard, register checks and receive gifts

Pay for purchases with Mastercard

From August 21, 2017 to April 26, 2018, pay for purchases in the amount of at least 500 rubles. with your Mastercard or Maestro card

Deadlines:

You can take part in the Promotion (Activities specified in clause 7.2. of the Rules) within the following terms:

• in Activation 1. "Registration of the Check on the website" in the period from 21.08.2017 to 26.04.2018 (inclusive) (hereinafter referred to as the "Application period");
• in Activation 2. "Registering a Receipt to pay for a purchase from a partner presented on the site", Activation 3. "Bonus for regular registration of Checks" and Activation 4. "Bring a friend", within the period specified on the Promotion website additionally. At the same time, the deadline for participation in the Activation must not exceed the period specified in clause 2.1.1. Rules, namely 04/26/2018. - Application period.

Information on the terms of participation will be posted on the website mastercard.khl.ru no later than 11.12.2017.

Gifts can be ordered until April 30, 2018 (inclusive).

The total period of the Promotion is from 08/21/2017 to 06/30/2018 (inclusive) (hereinafter referred to as the “Promotion Period”). General Application Period Promotions under 2.1.1. and

Rules from 21.08.2017 to 26.04.2018 (inclusive).

Organizer:

The organizer of the Promotion "Gifts for purchases" is a limited liability company (LLC) "Sport Efficient Communications" (hereinafter referred to as the "Organizer"). Location (in accordance with the constituent documents): 115114, Moscow, st. Letnikovskaya, 11/10, bldg. 5, pom./kom. V/9.

The name of the new promotion from Mastercard:

"Gifts for shopping"

Takes part:

• cardholders Maestro®, Mastercard Electronic®, Mastercard Standard®, Gold Mastercard®, Platinum Mastercard®, World Mastercard®, World Mastercard Black Edition®, World Signia Mastercard®, World Elite Mastercard

Location Russian Federation

Prizes:

• Electronic subscription for one KHL match

• Certificate of 300 rubles for the purchase of a music album in iTunes

• Certificate "Sportmaster" with a face value of 500 rubles

• Subscription to Megafon TV for 1 month

• Certificate "Yulmart" with a face value of 500 rubles

• Knitted Socks

• KHL Store certificate worth 1000 rubles

• Pocket warmer

• Wallet for your Mastercards

• Bag bag

• Cheerleader's baseball cap

• Toy - "Bear"

• Tacks for the kitchen in the form of cuffs

• Rain jacket

• Fan Charger

• car brush

• Fitness bracelet

• Fan Headphones

• Music columnBoard game - "Mini hockey"

• fan alarm clock

• Fan backpack

• Fan Polo

• Krag-scraper with a warm glove

• Pilot jacket

• Fan sweatshirt

• Fan vest

• Invitation to the Mastercard box for four persons at the VTB Ice Palace arena

To participate in the promotion:

In order to become a Participant of the Promotion, it is necessary within the Application Period:

Carry out at least one transaction to pay for goods and / or services in any trade and service enterprises not prohibited by law, using the Card in the amount of at least 500 (five hundred) rubles (or the equivalent of foreign currency in rubles on the day the transaction is reflected on the Participant's card account) at the exchange rate of the Bank of Russia on that day) each (hereinafter referred to as the “Operation”)* and keep a receipt (slip) confirming the completion of each Operation, or in the case of the specified Operation via the Internet, another document confirming the completion of the Operation in accordance with the Rules of the Promotion* *.

* The amount of one Operation, sufficient to comply with the conditions of the Promotion, is determined minus all discounts.

** When carrying out operations for payment for goods and / or services on kinohod.ru, obed.ru, it is not required to keep a receipt (slip) or other document.

To be a registered user to register completed Transactions (register checks (slips)) on the mastercard.khl.ru website by performing the following actions:

To register Operations in the Promotion, the user must be registered on the mastercard.khl.ru website, for this it is necessary:

Full promotion rules:

https://mastercard.khl.ru/promo/rules.pdf

Official site and mechanics:

Registration at https://mastercard.khl.ru/promo/

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