Gold cards are considered one of the most prestigious cards in the world. Thanks to them, you will emphasize your status and receive the highest level of service. Visa cards and MasterCard Gold ideal for those who are used to enjoying all the advantages of card accounts anywhere in the world.
Clients who wish to issue this type of card in Belarusbank will be able to use it on the following conditions:
Note! You can familiarize yourself with other tariffs at the bank's representative office or at the bank information center.
Key features
I would also like to note the main features that will be available to users of these cards:
- SMS banking.
- Receive SMS notifications.
- Make online payments and transfers.
- Make auto payments.
- Receiving account statements.
In addition, additional services from the Visa company will be available to you:
- Medical or legal assistance abroad;
- Participation in the World of Privilege loyalty program.
Note! Additional privileges are available only for customers who ordered the card payment system VISA.
Of course, this is not a complete list of features, but only the main ones.
Benefits and opportunities
The issuance of gold cards gives their customers the opportunity to use not only cards with a chip, but also to use contactless payments.
If you make a purchase for less than 20 Belarusian rubles, then you do not need to enter a pin code or put your signature on the check, transactions exceeding this amount must be confirmed without fail.
Regular customers will be able to experience a number of benefits:
- booking rooms, cars and buying tickets online;
- receiving free SMS when making transactions in Internet banking;
- the possibility of obtaining an overdraft;
- participation in the loyalty program “Wow! Discounts! ";
- receiving discounts and various benefits from the Visa or Mastercard payment system;
- getting an additional card at a reduced price;
- refund up to 5% on ticket purchases.
These and many other privileges await customers who issue premium cards.
Contactless payments
Pay for purchases in one go with payWave technology. 1. The Bank has the right to unilaterally change the Rules and / or Conditions of the Program (the list of trade (service) organizations, when making non-cash debit transactions in which the bonus is accrued; the size of the bonus; minimum amount one non-cash debit transaction; the maximum bonus amount within a period (month / calendar year, etc.) and / or terminate the Program. 2. The bank is released from the obligation and may not carry out the payment of the bonus within the framework of the partner (bonus) program in the cases stipulated by the Program Rules.
Safety at the height
Special chip protects your finances 1. The Bank has the right to unilaterally change the Rules and / or Conditions of the Program (the list of trade (service) organizations when making non-cash debit transactions in which the bonus is accrued; the size of the bonus; the minimum amount of one non-cash debit transaction; the maximum amount of the bonus during the period ( month / calendar year, etc.), and / or terminate the Program 2. The Bank is released from the obligation and may not pay the bonus within the framework of the partner (bonus) program in cases stipulated by the Program Rules "Your bonus"
Internet payments
Pay with your card on the Internet by connecting 3-D Secure.
Special offers from Visa
Internet banking
Keep track of your account balance, make payments, open deposits from your smartphone, tablet or computer.
Issue your card for one or two
2. Pick up at the department.
Do not forget to bring your identification document passport / residence permit / refugee certificate
Card can be issued individuals from the age of 14.
Tariffs
|
Account currency |
||
|
Obtaining a Visa Gold card (validity period - 2 years) at a bank institution |
||
|
Visa Gold card issuance (validity period - 2 years) via Internet banking, M-banking, bank website, Contact center, info kiosk |
||
|
Registration of an additional Visa Gold card (validity period - up to 2 years) |
||
|
Issuing a Visa Gold card (validity period - 3 years) at a bank institution |
||
|
Visa Gold card issuance (validity period - 3 years) via Internet banking, M-banking, bank website, Contact center, info kiosk |
||
|
Issuance of an additional Visa Gold card (validity period - up to 35 months) |
||
We issue premium cards in Belarusian banks. Today for new plastic we will head to BPS-Sberbank.
As expected - first a call to the contact center.
- Good day. BPS-Sberbank. My name is Artyom. How can I help?
- I have your bank card, but I would like to make another, which will be better.
- Tell me, why do you need a card? For calculations and the Internet?
- Including for calculations - I also go abroad.
- Now we mainly produce Visa Classic. This is the most standard map. She is international and works abroad ...
- My friends advised Gold cards. Do you have such?
- Of course I have. Now we are making Visa Gold, this is a chip card with the possibility of contactless payments. Also the preferred card isMastercard World... You can open this card as part of the package, it will be possible to connect to the Internet bank, issue an overdraft to this card and privileges from the payment Mastercard systems…
- Which card is better?
- It all depends on what you are purchasing the card for. By cardMastercard Worldmore promotions and offers from the payment system itself. There are also many privileges on Visa Gold, but, for example, there is no cashback on it ...Visa Gold, as part of the status package, will cost 4BYNper month. The package includes an overdraft facility, additional cards can be issued with discounts, or an additional card can be made in foreign currency.
- 4 rubles, and that's it? And for the release?
- You are given a card free of charge, only at the beginning of each month 4 BYN will be charged for service ...
- Where can you get this card?
- You can register in any of the divisions of our bank ...
The most convenient branch was selected for me, at the address - Minsk, st. Kalvariyskaya, 4A, and also reported the operating mode and timing of plastic production. Soon I was already there :)
Inside, the department turned out to be bright, beautiful, very modern and well-renovated.
But I had to wait in line for a very long time, about 20 minutes :(
- Hello, I'm listening to you.
- I want to order Visa Gold.
- Personal or salary?
- Personal. I was told that 4 BYN will have to be paid per month.
- With a monthly fee which?
- And there is still no monthly fee?
- Yes. In what currency?
- V Belarusian rubles.
- For two years - 65 BYN, for three - 85 BYN.
- Will the map be the same?
- Yes, only the fee will be charged every month. If you don’t need it, it’s better to come and close it.
- And what is in this map?
- SMS notification, internet banking and 80% discount on an additional card. There are promotions and discounts on the payment system. You open the site and look. The card, approximately, will be ready in 10 days, you will receive an SMS.
When we started to draw up the map, the girl was surprised to see that I had an image of a penguin in my card with information. I was also surprised, looked - like a penguin :)
What this meant, the girl did not know. She said that if a person has a birthday, then a drawing with balloons appears in this place, but she did not know about the penguin. Maybe this is a secret sign? :)
The specialist did not detain me, and soon "sent" me to wait for an SMS about readiness.
The message came after 8 days, and I immediately rushed to pick up my new plastic. This time I also had to wait a long time, but much less than during registration :)
- Good day. I received an SMS about the readiness of the card, - I told the girl - a specialist.
The girl took my passport and started looking for information on the computer.
- Visa Gold card, "Status" package. For a salary?
- No, usual. And what does the "Status" package mean?
- That is, a card with discounts from the payment system, the subscription fee will be 4 BYN rubles. SMS - notification from 10 rubles and Internet banking.
- Is it only discounts from Visa and nothing else?
- If you want to order a currency card, then the discount will be 80% of the cost ...
The specialist walked away for a few minutes, and upon her return handed me a new card.
— New card will need to be activated at an ATM. Just view the balance and the card will become active, - explained an employee of BPS-Sberbank.
The girl also talked about the withdrawal fee and clarified where the nearest ATM is installed.
Personal opinion of the correspondent
The beautiful and modern office of the bank came to my liking. It's a pity that the registration had to wait so long :(
The girl was polite, as attentive and benevolent as possible when drawing up the card. I tried to help, answer all questions. It is pleasant to communicate with such people and the general impression from the visits to the BPS-Sberbank office was good :)
P.S. If this article is read by BPS-Sberbank employees, please explain, what does the penguin symbol in the client's profile mean in your bank ???
Test result - 51 points out of 146 possible
Even more of the freshest and most interesting banking news on our channel in Telegram!
| Evaluation Criteria for the Competition | BPS-Sberbank | |||
| By phone | Time of waiting for a response from the Contact Center on the line | 0 points - more than 3.5 minutes | MAX 13 | 4 |
| 1 point - 3.5 minutes | ||||
| 2 points - 3 minutes | ||||
| 3 points - 2 minutes | ||||
| 4 points - 1 minute | ||||
| 5 points - less than 30 seconds | ||||
| Completeness of information received from the Contact Center | did they offer options for premium cards - 1 point | 1 | ||
| have you specified the cost of registration - 1 point | 1 | |||
| did they tell you about the advantages and differences from ordinary cards - 3 points | 3 | |||
| told where to go (place and time of work) - 1 point | 1 | |||
| offer of preliminary registration to the department - 2 points | 0 | |||
| Visit to the bank | Quality | MAX 34 | 0 | |
| Waiting time in queues at the bank, summing up the waiting time to a specialist and to the cashier | 0 points - more than 20 minutes | |||
| 1 point - 20 minutes | ||||
| 2 points - 15 minutes | ||||
| 3 points - 10 minutes | ||||
| 4 points - 5 minutes | ||||
| 5 points - less than 1 minute | ||||
| Registration speed (we summarize the time spent with a specialist, at the checkout and the time spent on receiving the card) | 0 points - more than 35 minutes | 5 | ||
| 1 point - 35 minutes | ||||
| 2 points - 30 minutes | ||||
| 3 points - 25 minutes | ||||
| 4 points - 20 minutes | ||||
| 5 points - 15 minutes | ||||
| Card issue speed | 0 points - more than 5 days | 0 | ||
| 2 points - from 3 to 5 days | ||||
| 5 points - the next day | ||||
| 10 points - on the same day | ||||
| Completeness of information | payment system (explanation) - 1 point | 1 | ||
| local or international - 1 point | 0 | |||
| explanation about contactlessness - 1 point | 1 | |||
| explanation about 3D Secure - 4 points | 0 | |||
| production time - 1 point | 1 | |||
| manufacturing / maintenance cost - 1 point each | 2 | |||
| commission for withdrawals at banks and ATMs - 1 point | 1 | |||
| availability and cost of Internet banking (IB) and mobile banking(MB) - 2 points | 2 | |||
| process of connecting IB and MB - 1 point | 1 | |||
| Premium content story | a story about the services of the Support Service - 5 points for each service | MAX 37 | 0 | |
| Priority Pass - 3 points | 0 | |||
| discounts from the payment system - 3 points | 3 | |||
| presence of a bank loyalty program - 6 points | 6 | |||
| Serviceability | 5 | |||
| Convenience of receiving | if the bank informs about the readiness of the card, add 5 points, if not - 0 points | MAX 5 | ||
| Serviceability | cleanliness - 1 point | MAX 36 | 1 | |
| electronic queue - 1 point | 1 | |||
| presence of a consultant - 1 point | 1 | |||
| the presence of sitting places for waiting - 1 point | 1 | |||
| availability of free Wi-Fi - 3 points | 3 | |||
| water cooler with cups for customers - 1 point | 0 | |||
| availability of free treats for the client (tea, coffee, apples, sweets) - 3 points | 0 | |||
| is there a special manager who deals with the design of premium products - 5 points | 0 | |||
| is there a separate room for the registration of premium products - 5 points | 0 | |||
| the possibility of leaving for registration and issuance of a card to a client - 15 points | 0 | |||
| Convenience of the information provided | font of the contract - Times New Roman, at least 12 points in size - 1 point | MAX 13 | 0 | |
| the agreement contains no references to other agreements that are posted on the bank's website - 1 point | 0 | |||
| is it possible to read the agreement on the spot and ask questions to the bank employee - 1 point | 1 | |||
| is it possible for the client to make changes to the agreement with the bank - 10 points | 0 | |||
| Staff attitude | a bank employee greeted - 1 point | MAX 8 | 1 | |
| the bank employee was friendly - 3 points | 3 | |||
| is it possible to receive a copy of the document by e-mail, via messenger, SMS, etc. - 3 points | 0 | |||
| the bank employee said goodbye - 1 point | 1 | |||
| Maximum number of points | MAX 146 | 51 | ||
Plastic cards are one of the most priority and dynamically developing areas of the bank's activities. More than 40 categories of cards in Belarusian rubles, US dollars and euros have been developed for customers - from inexpensive Visa Electron and Maestro electronic cards to the prestigious Visa Gold and MasterCard Gold cards.
"Electronic" cards Visa Electron and Maestro perfect for customers who first start using a plastic card. As a rule, they are issued to the card account in Belarusian rubles and are used to manage their wages or a pension. Despite the inexpensive maintenance, the holder of such a card receives ample opportunities for its use.
Many people believe that such a card can only be used in the Republic of Belarus. In fact, the card to which the salary or pension is transferred can be used in almost any country in the world. To do this, in the application for obtaining
card, it is enough to provide for the possibility of performing transactions abroad.
Using the card, you can pay in shops, cafes, gas stations, etc., get cash at any time of the day in a convenient place for the client, pay for utilities, electricity, mobile and landline telephone communications, cable TV services and Internet providers , replenish your deposits, current accounts and e-wallets (Webmoney and EasyPay), repay loans.
In total, BPS-Bank self-service devices can pay for more than 400 services provided by organizations in various regions of the republic. This can be done at ATMs and information kiosks of the bank, from a mobile phone or 
home computer.
BPS-Bank issues not only mass “electronic” cards. "Classic" cardsVisaClassic and MasterCardStandard ideal for those who spend a lot of time on business trips and travel frequently. Hundreds of thousands of ATMs and millions of outlets accept Visa Classic and MasterCard Standard cards. "Classic" cards have all the capabilities of "electronic" cards. In addition, they are accepted as a guarantee when booking hotels, renting a car, as well as paying for goods and services on the Internet, by phone or when ordering by mail.
"Gold" cardsVisaGoldandMasterCardGold- these are prestigious cards that emphasize the high social status of their owner and are a guarantee of special attention when servicing. In addition to the advantages of "classic" cards, Visa Gold and MasterCard Gold cardholders enjoy the privileges provided by international payment Visa systems and MasterCard.
In addition, the Visa Classic and Visa Gold cards of BPS-Bank OJSC are new generation cards that combine a traditional magnetic stripe and a microprocessor module that implements modern technologies ensuring security in payment systems.
You can issue a card in any bank division, where the client will be offered to fill out an application for issuing a card and conclude a card account agreement. The production of the card takes several days. Also, the client can issue additional cards to the card account for himself or his relatives and set a limit on the expenditure of funds for each additional card.
Now many banks of the republic issue consumer loans on plastic cards. BPS-Bank offers to use the overdraft lending service to provide a credit card. If you have a BPS-Bank plastic card with an open overdraft, you can make purchases, pay for services and receive cash on credit at any time within the provided credit limit. At the same time, the limit is revolving - this means that after you have returned some amount to the bank, you can borrow it from the bank again. So unlimited quantity once!
We have developed three types of overdraft loans for clients with a maturity of three months to a year for card accounts in Belarusian rubles and an overdraft loan for card accounts in foreign currency (US dollars, Euro) with a maturity of three months. The overdraft limit can be set at up to 400 percent of the client's average monthly income on card accounts in Belarusian rubles and up to $ 4000 (3000 euros) on card accounts in foreign currency. The debt is paid off automatically upon any receipt of money on the card account, for example, wages. Overdraft loan is available to everyone: it is enough to have a BPS-Bank plastic card and fill out a minimum of documents.
BPS-Bank strives not only to increase the number of ATMs and self-service kiosks, to expand the range of services, but also to provide a high level of service, to interest customers in non-cash payments with cards. For example, from 20.06.2008 to 10.08.2008 BPS-Bank conducts advertising game for holders of bank plastic cards "Prize summer with a BPS-Bank card!" aimed at stimulating card settlements in trade and service enterprises. Holders of our plastic cards, who during this period pay with a BPS-Bank card in shops, canteens, cafes, restaurants, gas stations and any other trade and service enterprises that accept cards for payment, get a chance to win a cash prize! There are 85 prizes in total, one of which is the main one - 1 million rubles.
You can learn more about the services for plastic card holders on the website www.bpsb.by or in any division of OJSC "BPS-Bank".
For reference. The Bank renders the following services to its customers on plastic cards:
- Cash withdrawal from multicurrency ATMs (Belarusian rubles, US dollars, euros);
- Using cards in Belarusian rubles abroad;
- Credit card lending (overdraft lending, credit cards);
- Self-service payment utilities, electricity, mobile and fixed telephony, cable TV services and Internet providers (more than 400 services in total in various regions of the republic);
- New - payment in self-service devices through the ERIP system National Bank The Republic of Belarus;
- Repayment of loans in Belarusian rubles and foreign currency by means of plastic cards in self-service devices;
- Automatic transfer of deposits at the end of the placement period and interest on deposits to card accounts;
- Instant transfers money between cardholders in self-service kiosks and ATMs;
- Replenishment in self-service devices of deposits, current accounts in Belarusian rubles and foreign currency, electronic Webmoney wallets and EasyPay;
- Payment for services via SMS-messages from a mobile phone - SMS-banking;
- SMS-notification of MTS and Velcom subscribers about completed transactions using the card and crediting to the card account;
- Card account management and payment for services via the Internet - Internet banking system " Personal bank»;
- Registration of an application for a plastic card online through the bank's website.
Issuance and acquiring of Visa, MasterCard, BelCard cards, incl. Visa cards with microprocessor EMV standard;
The plans for 2008:
- Issue of virtual Visa Virtuon cards for payments on the Internet;
- Issue of Visa Electron Instant Issue cards for quick issuance of loans to the card;
- The service of automatic payment for services at the request of the cardholder.