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 and MasterCard Gold cards are 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.
26 july 2017 3070Gold cards, which 5-7 years ago were the dream of many clients of Belarusian banks, have already ceased to be perceived by us as something inaccessible and premium. Surely you have noticed flashing golden cards in the lines of supermarkets.
Firstly, the plastic itself became cheaper, and secondly, much more expensive cards appeared.
And now Gold in terms of the number of offered bonuses and cost is just somewhere in between Visa Electron or Maestro and Visa Infinite with Mastercard World Black Edition.
Today we will tell you which banks are ready to offer their beloved clients, if not the most expensive, but still - image plastic cards?
The cost of Visa Gold and Mastercard Gold cards in different currencies is shown in the table below. Therefore, if you suddenly decide that it is time to become the owner of such a card, feel free to choose:
| Bank / Card | Term | Card cost | Contactless interface | Cost of the card in BYN for the first year of use | |||
| BYN | USD | EUR | RUB | ||||
| 3 years | 15 USD (11.25 USD - based on an application made in the Internet bank) | Yes | USD 3.75 | ||||
| 3 years | 25,99 | 19 | 19 | - | No | 8.66 BYN | |
| 2 years | 50 (25 - within the framework of the promotion) | 40 (20 - within the framework of the promotion) | 40 (20 - within the framework of the promotion) | - | No | 12.5 BYN (share) | |
| 3 years | 40 | 20 | 20 | - | No | 13,3 BYN | |
| 2 years | 40 BYN | No | 20 BYN | ||||
| 3 years | 24 per year | 12 per year | 12 per year | - | No | 24 BYN | |
| 3 years | 75 BYN | plus 3 BYN | 25 BYN | ||||
| 3 years | 75 BYN | - | plus 3 BYN | 25 BYN | |||
| 2 years | 50 BYN | No | 25 BYN | ||||
| 2 years | 50 | 40 | 30 | 1 700 | No | 25 BYN | |
| 3 years | 85 for bank registration | 55 for registration at the bank | 55 for registration at the bank | 3 150 for registration at the bank | Yes | 25 BYN | |
| 75 BYN for registration via Internet banking, M-banking, bank website, Contact center | |||||||
| 2 years | 65 for registration at the bank | 45 for bank registration | 45 for bank registration | 2 300 for registration at the bank | Yes | 30 BYN | |
| 60 BYN for registration via Internet banking, M-banking, bank website, Contact center | |||||||
| 3 years | 50 USD for registration in a bank / 40 USD for registration via Internet banking, Mobile banking | - | Yes | USD 13.3 | |||
| 3 years | 2 or 4 per month (depends on the amount of non-cash transactions) + 2 BYN (monthly fee for SMS informing) | 1 or 2 per month (depends on the amount of non-cash transactions) + 2 BYN (monthly fee for SMS informing) | 50 or 100 per month (depends on the amount of non-cash transactions) + 2 BYN (monthly fee for SMS informing) | Yes | 24 or 48 BYN | ||
| 3 years | 85 | 55 | 55 | 3 600 | Yes | 28,3 BYN | |
| 2 years | 65 | 45 | 45 | 3 000 | Yes | 32,5 BYN | |
| 4 years | 135 BYN via remote service channels / 150 BYN at the bank (payment in a lump sum) / 160 BYN, 80 USD, EUR or 5,200 RUB at the bank (payment upon first enrollment or by installments for 6 or 12 months) | Yes | 33,75 BYN | ||||
| 4 years | 135 BYN through remote service channels / 150 BYN at the bank (payment in a lump sum) / 160 BYN at the bank (payment upon first enrollment or by installments for 6 or 12 months) | - | 135 BYN via remote service channels / 150 BYN at the bank (payment in a lump sum) / 80 EUR at the bank (payment upon first enrollment or by installments for 6 or 12 months) | - | Yes | 33,75 BYN | |
| 4 years | 135 BYN for a one-time payment / 150 BYN, 75 USD, EUR for payment on the first enrollment or in installments for 6 or 12 months | - | Yes | 33,75 BYN | |||
| 4 years | 135 BYN for a one-time payment / 150 BYN for payment on the first enrollment or in installments for 6 or 12 months | - | 135 BYN for a one-time payment / 75 EUR for payment on the first enrollment or in installments for 6 or 12 months | - | Yes | 33,75 BYN | |
| 3 years | 70 - for the first year, 40 - subsequent | - | No | 40 BYN | |||
| 3 years | 40 - for the first year, 30 - subsequent | 70 - for the first year, 40 - subsequent | 70 - for the first year, 40 - subsequent | - | plus 20 BYN / 10 USD or EUR in the first year | 40 BYN | |
| 3 years | 15 + 40 per year | 10 + 25 per year | 10 + 25 per year | - | No | 45 BYN | |
| 2 years | 25 USD + 25 BYN, USD or EUR (minimum balance) | - | plus 5 USD | 25 USD + 25 BYN | |||
| 3 years | 120 USD | - | Yes | 40 USD | |||
| 2 years | 10 + 45 in the first year and 25 in the following | 10 + 50 in the first year and 30 in the following | - | No | 55 BYN | ||
| 135 BYN | |||||||
As you can see, not all banks will issue you a plastic card with a contactless interface. And some will ask you to pay a little extra for such plastic.
As for the account currency, the rarest is the Russian ruble. If you set a goal for yourself - to receive a card in Russian currency - the list of banks will be greatly reduced.
By the way, the offer "Gold" payment cards Visa systems roughly double the number of Mastercard offers.
And yet, the considerable (by the standards of many Belarusians) cost of premium cards should be compensated for. For example, discounts and all kinds of additional offers.
So, for all Gold-level cards, their holders will receive discounts and benefits provided by Visa and Mastercard payment systems in a number of trade and service organizations: cafes, restaurants, hotels, theaters, airports and other places around the world.
But there are additional services, both from the payment system and from the issuing bank, the availability of which (specifically for your card) should be clarified directly with the banks. These services include:
- Global Customer Support Service (GCAS) worldwide for blocking lost or stolen cards, in case of card loss or theft abroad, or - emergency cash dispensing Money, as well as - emergency replacement of the card
- medical and legal referral service
- Concierge service program
- Priority Pass
- insurance against accidents and illnesses during a trip abroad
- discounts on the services of the bank itself
Interestingly, banks are holding promotions, including the issuance of such premium cards.
For example, in Bank Solution you can apply for Visa Gold with a 50% discount if you make an initial fee in the amount of 100 rubles, 50 US dollars or euros.
A Alfa Bank and does offer free "Premium"... Show the card of any Belarusian bank and deposit a certain amount of funds into your account - and now, you are already a holder of a Gold card.
But the filling of the cards will be cut down a little - you will have to pay extra for Priority Pass.
Although, in principle, this offer still remains the most profitable today. After all, the same Priority Pass, most banks do not offer Gold cards for free.
In all other respects, premium cards are no different from ordinary cards :)
The information is presented as of July 25, 2017 and does not reflect future changes.
Medical and legal referral service
Medical and legal referral support is provided to the holder and his family while traveling outside the country permanent residence for a period of 90 days. It is important that at least 50% of the cost of travel and accommodation travel documents is paid with a Premium Visa card.
When contacting the Medical and Legal Information Service, the holder is identified by the indicated first six digits of the card number (BIN) and by the name of the bank that issued the card.
The list of services provided by the Medical and Legal Referral Service includes:
- Free of charge road, legal and general services:
- Providing general information regarding the trip and the countries to be visited
- Providing contacts of lawyers in the host country
- Forwarding a call to the contact center of the issuing bank
- Free of charge
- Providing medical assistance by phone
- Providing contacts of health care providers
- Providing contacts of translators in the host country
- Monitoring the state of health during and after hospitalization of the holder
- Paid medical services include:
- Arranging the delivery of essential medicines or equipment
- Providing a doctor
- Hospital stay payment guarantee
- Organization of urgent evacuation and repatriation for medical reasons
- Arranging a trip to visit a hospitalized Reward Visa cardholder or a family member traveling with him
- Organization of the return of children
- Organization of transportation of remains
Contact the Medical and Legal help desk you can call:
- +380 44 499 39 - for international calls and calls within Ukraine
- 0 800 305 797 - free of charge for calls from landline phones in Ukraine
- +7 727 399 0303 - for international calls and calls within Kazakhstan
- 8 800 080 333 4223 - free of charge for calls from landline telephones within Kazakhstan
Global Customer Assistance Services (GCAS)
Holders of premium cards Visa Gold and Visa Platinum have a unique opportunity to use the services of the Visa International (GCAS) global customer support service, which provides the following services:
Emergency card replacement
If the card has been stolen or damaged so much that it cannot be accepted for payment or it is not possible to issue cash on it, the holder can contact the Global Customer Support Service by ordering a temporary card and receive it at the place of his stay.
Temporary cards are produced and personalized at specially created Visa personalization centers located in six cities on four continents. These are Louisville (USA), Miami (USA), Sydney (Australia), Sao Paulo (Brazil), Cologne (Germany) and Singapore.
A temporary card issued to a holder when using the Emergency Card Replacement service differs from a regular card in appearance and function.
The main characteristics and differences of temporary cards:
- Temporary cards are embossed, therefore, they can be used in trade enterprises and the Internet
- The card does not contain the name of the bank
- The card is issued with a number and validity period determined by the issuer
- Temporary cards cannot be used at ATMs, as they are personalized without a PIN code
The delivery time to the holder of a temporary card depends on the class of the Visa card that needs to be replaced:
A temporary card can be delivered to the holder by courier at the place of temporary residence, for example, to a hotel. If the holder is actively traveling or cannot indicate the place of temporary residence, the holder can receive a temporary card at one of the branches or offices of the local bank, while the address and time of receipt are negotiated with the operator of the Global Customer Support Service. Also, the holder can receive the card in person at one of the emergency card personalization centers. A temporary card can be issued even in case of loss of identification documents, by identifying the holder using a security question and answer agreed between the holder and the operator of the Global Customer Support Service.
If, for any reason, it is not possible to use a Premium Visa card while traveling (the card has been lost, stolen, damaged), the holder can receive cash using the Emergency cash withdrawal service.
The holder can receive cash within the framework of the Emergency cash withdrawal service at the service points of Western Union or MoneyGram or ESL (Emergency Service Location) payment systems. In total, at the moment, to receive cash within the framework of the Emergency cash withdrawal service, the holder can choose one of more than 270,000 points around the world. Cash can be issued to the holder even in case of loss of identity documents, by identifying the holder using a secret question and answer.
The Emergency cash withdrawal service implies the receipt by the holder of cash in the amount of up to $ 5,000 in the equivalent of the currency of the country of location. Minimum amount cash dispensing is not limited. An Emergency cash withdrawal request is made by the holder and confirmed by the issuing bank. In some cases, Visa may decide to approve an emergency cash disbursement to Visa Platinum holders of up to US $ 2,000 without confirmation by the issuing bank.
The term of the Emergency cash withdrawal depends on the class of the Premium Visa card belonging to the holder and his location:
Emergency cash withdrawal
If a Visa card is lost, the holder can contact the Visa Global Customer Support Service to block the card and notify the issuing bank about it.
To inform about a stolen / lost card, the holder should call the Visa Global Customer Service. Visa Global Customer Service Operator will answer the call in English, however, if necessary, a Russian-speaking operator or simultaneous interpreter can be connected to the conversation. The holder must indicate his name and surname, the name of the bank that issued the Visa card, the full card number.
With the full card number available, the Visa Global Customer Service operator will instantly block the card.
Cardholder information service
The cardholder can receive information support regarding the use of Visa cards around the clock and anywhere in the world, the location of the nearest ATMs, etc.
Both the Visa cardholder and a representative of the issuing bank on behalf of the Visa cardholder can contact the Global Customer Support Service. The operator receiving the call will contact the Visa cardholder or representative of the issuing bank in English. If the issuing bank representative or Visa cardholder does not speak English, then you should persistently repeat your request in your own language and not hang up. A simultaneous interpreter will be connected within 20 seconds from the start of the conversation.