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Are you planning to go on vacation? At your service - the whole world! And the share of Loko-Bank.

From February 20 to April 30, 2019 we are giving away travel certificates for 40,000 rubles and 90,000 rubles.

How to participate in the action?

Just top up your Simple Income or Maximum Income card, keep the balance on it and fulfill the terms of the promotion!

Terms of action

"Simple Income"

"Maximum Income"

• Replenishment of the card from 50 thousand rubles.
• Maintaining a balance on the card of at least 50 thousand rubles. until the end of the promotion

• Replenishment of the card from 200 thousand rubles.
• Maintaining a balance on the card of at least 200 thousand rubles. until the end of the promotion

The more points, the higher the chances of winning!

Winners are randomly selected at the end of the promotion period. A travel certificate can be used for full or partial payment for a voucher issued by a partner of the Bank. The number of travelers is not limited.

Detailed information about the conditions of the promotion can be found.

* Prior to the start of the promotion, an SMS from the Bank with the replenishment amounts and the balance will be sent to your phone number.

March 18 to April 21, 2019 Loko-Bank and Mastercard are holding a joint campaign "Immerse yourself in the world of wonders of Cirque du Soleil". Tickets are up for grabs to the spectacular show "TORUK - First Flight" of one of the most legendary circus theaters!

To become a participant in the promotion and receive prizes, cardholders Mastercard "Simple Income" and "Maximum Income" required during promotion period make purchases for which points will be awarded. More points - more chances to win!

Will be drawn main prize - 2 tickets of the first category at the show, which will be held in Moscow on May 3, 2019. More 10 lucky people will get 2 tickets for a show in Moscow on May 3, 2019 or 2 tickets for a show in St. Petersburg on May 11, 2019.

Detailed information about the conditions of the promotion can be found

April, May, June - the time when nature blooms with you! For the purchase of health and beauty products, we give a super-cashback - 10%.

How to get 10% cashback?

• From April to June, pay with your "Simple Income" or "Maximum Income" card in the "Beauty" and "Health" categories
• Get 10% cashback for purchases over 10,000 rubles per month

Cashback* 10%, 20% and even more. Is it possible? Yes, with Loko-Bank cards!

Pay with a Loko-Bank card for purchases in partner online stores and receive an additional cashback of up to 30% of the purchase amount.

How it works?

• Go to the "Cashback" section in the Loco Online Internet Bank or in the Loco Mobile application.
• Be sure to read the terms and conditions, then go to the selected online store by clicking on the "Go to shopping" button
• After the transition, place an order in the online store and pay for it with a Loko-Bank card

Detailed conditions of the promotion can be found

*Cashback - part of the money spent on the card, paid to the client's card account

10% discount when paying for concert tickets at glavclub.com!

Get the opportunity to get to the concerts of your favorite musicians from 10% discount when paying with a Mastercard card of Loko-Bank on the website glavclub.com until December 31, 2019.

GLAV CLUB GREEN CONCERT is one of the largest concert clubs in Moscow. A modern and excellently equipped concert venue, deservedly loved by the public for the incredible concerts of Russian and world stars.

10% discount when paying for tickets at the United Cinema Network "CINEMA PARK" and "Formula Kino"!

Watch all high-profile movie premieres first. Until December 31, 2019 when paying for tickets with a Mastercard card of Loko-Bank at the cinemas of the United Network "CINEMA PARK" and "Formula Kino" 10% discount. The action takes place in all cinemas "CINEMA PARK" and "Formula Kino".

United network "CINEMA PARK" and "Formula Kino" - the largest cinema operator in Russia. The United Network includes 75 cinemas in 29 Russian cities. At the moment, the cinematographer has 633 halls, that is, almost every 7th hall in Russia.

Fill your day with positive emotions by getting special offers on Loko-Bank's Mastercard cards.

10% discount on ski pass at Rosa Khutor Resort

Rosa Khutor is the most modern and largest year-round mountain resort in Russia, located in Sochi and offering tracks for all types of skiing, snowboarding and freestyle, the total length of which is more than 102 km.

Take advantage of the exclusive 10% discount for a ski pass when paying with a Loko-Bank Mastercard card at the box office of the Rosa Khutor Resort until April 30, 2019.

Let the cashier know your card type before paying.

The discount is cumulative with other promotions and offers of the partner.

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:
- Up to 12% discount on hotels with Agoda and Hotels.com
- 20% discount on airport transfers with Wheely and Gett
- Free Internet in roaming "Beeline", "Megafon", MTS and Tele2
- 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 Visa Platinum premium card for payment and get:
- 20% discount on business class city trips with Gett and Wheely
- Up to 10% discount on tickets and cinema bar in the network of cinemas "KARO"
- Free delivery and bonuses in Azbuka Vkusa
- 15% discount in the network of family cafes "AnderSon"
- Up to 10% 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 a subscription to the Okko online cinema

Winners of the "Apples in the Snow" campaign

Winner of the Main Stage "To Hockey Together with LOKO-Bank and Mastercard"

Winners of the Main Stage "To Hockey Together with LOKO-Bank and Mastercard"

Winners of the action "Go on a trip with LOCKO-Bank!"

Usually, the category of privileged cards includes plastic such as Platinum, Word Elite, and Infinite (translated from English - "limitless"). According to a survey of several banks, cardholders with the highest status are from 1% to 10% of customers. According to Konstantin Gringloz, head of the retail services organization at Avangard Bank, about 1% of all bank customers have MasterCard Elite, Visa Infinite and Visa Signature plastic. Bank Saint Petersburg shared detailed statistics: about 92% of wealthy clients have Visa Platinum cards, about 8% - MC Word Elite and less than 1% - Visa Infinite.

What's included?

Banks try to please even the most capricious customers. As a rule, the following types of services are included in the cost of service:

• personal manager (will answer all questions about banking services, help choose products);
• travel insurance policy (valid both in Russia and abroad - it protects up to several million dollars);
• concierge service (will help to book theater tickets, arrange a corporate party or book a yacht in Monte Carlo for the weekend);
• increased miles on co-branded cards (will allow you to save up for an award ticket almost twice as fast);
• an additional Priority Pass card (access to airport VIP lounges (often for a small additional fee));
• increased cashback and interest on the balance (will allow you to earn more on large amounts).

Also, premium cards provide discounts on accommodation in expensive hotels, car rental, master classes, branded shoes and clothes, jewelry, furniture, etc.

Usually, in product descriptions, you can see an even larger set of features, but some of them are already provided for free, even to customers with payroll cards. For example, wealthy people are attracted by the possibility of contactless payment for purchases or Internet banking. “For some of the clients this is an additional service, for others it is basic services. As a rule, all available options are indicated in the description of products, so that the client can get an idea of ​​what set of services he pays for and what additional features are available to him. Especially if we are talking about premium customers who always expect to see product content that matches their status,” explains Natalya Rozenberg, Head of Non-Credit Products and Remote Services at Credit Bank of Moscow.

Who's better?

According to a study by Sravni.ru, Russian Standard Bank offers the largest set of options for wealthy clients. His Visa Infinite card costs 50 thousand rubles. in year. For this money, the holder receives free entrance to airport VIP lounges (for other banks, this service costs $27), insurance for trains in Russia and abroad with a maximum payout limit of up to $1 million, 2% cashback from all purchases, as well as income in the amount of 7% of the balance of the account. The money paid for the card will pay off, for example, with payments in the amount of 2.5 million rubles. or when stored on the account 714.3 thousand rubles.

The MasterCard World Black Edition card from the Moscow Credit Bank will bring 7% of income to the positive balance, and you will have to pay 26% on the loan. Plastic will pay off with a minimum balance of 714.3 thousand rubles. during a year. If there is more, then it will be possible to earn more on this.

In third place is the Visa Infinite card of Avangard Bank. It comes with insurance for $1 million, a Priority Pass card with the ability to visit airport VIP lounges with family and colleagues (up to 10 people), as well as many discounts for purchases and bookings. The card will pay off, for example, at the expense of a discount when booking a Mercedes Clase V for the New Year holidays in Barcelona (125.5 thousand rubles).

It is worth noting that the payback of the card is a conditional thing, since some clients can make up for the fee with cashbacks or expensive purchases, while others need a personal manager who will save valuable time for wealthy people. For example, many consumers are willing to pay 10 thousand rubles. for a Sberbank card only in order not to stand in lines, but to receive service in comfortable conditions.

Top 10 cards for VIP clients

Paphos aside

As you can see, cards have many advantages, for which in some cases you can not overpay. For example, if a wealthy person simply has large balances on his card account, then you can pick up a regular card with the maximum interest. When a lot of purchases are made on the card, you can earn on this with the help of cards with increased cashback. If there are many trips, then it is better to choose a card with increased miles, free insurance and access to airport VIP lounges.

We considered credit and debit cards of the top 100 banks by assets as of November 1, 2015. In the rating, the cards were sorted by the cost of service and the maximum possible set of options that ordinary cards do not have.

Third parties may provide Mastercard with specific offers, discounts or other benefits (“Offers”) that will be made available on the Site or directly through the merchant. Such Offers, subject to the terms and conditions specified for each Offer, may be changed at any time without prior notice. Mastercard shall not be liable for any loss or damage resulting from any interactions between you and third parties in connection with such Offerings. You acknowledge that Mastercard is not responsible for the actions of third parties and their Offerings that they post on the Mastercard site or on its website. This Site may contain information about third parties, links to other websites that are completely independent of this site. Third party information and links are provided solely as a convenience to users and do not constitute any endorsement, endorsement or warranty by Mastercard. In addition, Mastercard is not responsible for the accuracy, completeness, or validity of information provided by a third party, or for products or services offered or sold through any site links. You are solely responsible for the use of information from a third party. Any agreements, transactions or other arrangements entered into between you and such third party are at your sole risk. After you click on third-party links, you leave the site. Any personal information you provide on a third party site will not be collected or controlled by Mastercard, but will be used in accordance with the third party site's privacy policy and terms of use. Please see the privacy policy and terms of use of the third party site for more information on privacy and terms of use. Mastercard does not guarantee delivery of any Third Party Offerings or the Offerings published on this site. Mastercard is not responsible for reviewing and evaluating and makes no warranties for goods or services offered by third parties as part of the Offerings published on the site. Mastercard assumes no responsibility for the content of any Offerings submitted by third parties. Carefully study the details of the Offers and their conditions.

If you have any questions about the conditions for granting privileges, you can contact the support service

Points cannot be redeemed to receive a discount on tobacco products and alcohol at the minimum retail price (for some alcoholic beverages, a minimum retail value is established by law, points can only be written off for a discount above this value, the cashier will automatically calculate the possible write-off of points during the purchase process).

Additional points to the guaranteed accrual: 1 point for every 20 rubles in a check up to 555 rubles, including discounts, 1 point for every 10 rubles in a check over 555 rubles, including discounts.

For purchases on a birthday, as well as 3 days before and 3 days after it, accruals are valid: 9 additional points for every 20 rubles in a check up to 555 rubles, 4 additional points for every 10 rubles in a check over 555 rubles.

Even more profitable compared to the “REQUEST-card” is the product of Agrotorg LLC (Pyaterochka retail chain), issued as part of the perpetual loyalty program in the Pyaterochka retail chain. The procedure for deducting points, information about the organizer of the event, about the rules for holding it, about the procedure for accruing points - on the website website / card. For every 20 rubles. card purchases in the Pyaterochka store: Agrotorg LLC awards 1 point (if the purchase was for less than 555 rubles), 2 points (if the purchase was for more than or equal to 555 rubles) and Post Bank PJSC additionally accrues 2 points (at the rate of 1 point for every full 10 rubles of the transaction amount). "3 times more points" applies to purchases using a Pyaterochka bank card in the Pyaterochka retail chain in the amount of more than 555 rubles. 555 welcome points for every 555 rubles in the check in Pyaterochka stores for 6 months, but not more than 5,550 points. The Bank does not accrue points for transactions related to the transfer and acquisition of funds and other financial instruments, including securities and traveler's checks, with participation in gambling and sweepstakes, with the payment of fines and tax payments. The estimated composition of the basket of products includes: tea bags 100 pcs., cake, chicken eggs 10 pcs., juice, drink, kefir, milk - 1 liter each, apples, oranges, bananas, carrots, beets, sweet peppers, cucumbers and onions - 1 kg each, tomatoes - 0.6 kg, greens - 70 g, garlic - 1 pack, 1 black bread, 1 white bread, potatoes - 2.5 kg, servelat - 370 g, cheese - 0.2 kg, boiled sausage - 0.5 kg, broiler chicken - 1.4 kg, sausages - 0.5 kg, mayonnaise - 400 ml, sour cream - 180 g, salmon caviar - 90 g. ”(from 05/10/2017 to 12/31/2019) is Post Bank PJSC, information about the organizer of the event, about the rules for holding it, about the rules for calculating points - on the website pochtabank.ru. When replenishing an account from cards of other banks through the Mobile and Internet Bank, the sending bank and (or) payment system may set additional commissions, as well as restrictions on the amount and (or) number of money transfers from the sender's card. Full information about the commission for interbank transfers, as well as for payment for services in Post Bank Online, is available on the website pochtabank.ru. "Savings account" - a current account with monthly interest on the minimum balance of funds that were on the account during the calendar month: within the "Basic" tariff - 5% per annum in the amount of 50,000 rubles. , 3% per annum for the amount from 1,000 to 49,999.99 rubles. (inclusive); within the framework of the tariff "Salary", "Pension" / "Salary pensioner" - 6% per annum in the amount of 50,000 rubles, 4% per annum in the amount from 1,000 to 49,999.99 rubles. (inclusive). The condition for applying the "Pension" tariff is the receipt of pension payments to the "Savings account". The condition for applying the "Salary Pensioner" tariff is the receipt of funds from the client's employer to the account within the framework of the bank's salary project and the receipt of pension payments. The condition for applying the "Salary" tariff is the receipt of funds from the client's employer to the account within the framework of the bank's salary project. A card is issued to the account, a commission for issuing a card to the account (including for re-issuing after the expiration date and at the initiative of the bank): "Mir" unnamed - not charged. Commission for the issuance of funds (as a % of the amount of the transaction) received on the "Savings Account" in cash; from the Pension Fund of the Russian Federation; as salary payment/individual salary payment; as part of social payments, benefits, compensations and other cash payments paid by the social protection authorities under agreements concluded with PJSC Post Bank; from the deposit opened in the bank, in the amount of the deposit amount and interest on it, if the funds were in the deposit for 30 days or more; from the deposit opened in the bank, in the amount of the part of the deposit made in cash; as part of the provision by the bank to the client of a consumer loan, as well as in the framework of other payments made by the bank under a consumer loan agreement; inheritance and dignified funeral payments; payments made by the bank in accordance with the Federal Law "On insurance of deposits of individuals in banks of the Russian Federation" on the basis of an agency agreement with the State Corporation "Deposit Insurance Agency"; in any other way, if the funds were on the “Savings Account” for 30 days or more: at ATMs and PVN of Post Bank PJSC and ATMs of VTB Group banks – not charged. In other cash points and ATMs of other banks - 1% (min. 100 rubles). In other cases, within 100,000 rubles. per month: at ATMs and cash desks of Post Bank PJSC and ATMs of VTB Group banks - not charged; in other cash desks and ATMs of other banks - 1% (min. 100 rubles); over 100,000 rubles. per month - 7.9% (min. 100 rubles). PVN - points of issue of cash. A fee is charged for interbank transfers. Commission for replenishment of the account from cards of other banks: with the transfer amount from 10 to 2,999.99 rubles. - 20 rubles. for the operation with a transfer amount of 3,000 rubles. up to 75,000 rubles. — not charged. When replenishing an account from cards of other banks through Post Bank Online, the sending bank and / or payment system may set additional fees, as well as restrictions on the amount and / or number of money transfers from the sender's card. Remote banking service is possible upon conclusion of an agreement with the client. The Care Line service is connected to the "Pension"/"Salary pensioner" tariff plan on the "Savings account" automatically upon the first receipt of a pension. Services within the framework of the service are provided by EUS LLC. The service provides up to 10 calls per year. Information about the conditions for providing the service on the website www.pochtabank.ru. Conditions are valid on 01/19/19. PJSC Post Bank, license of the Central Bank of the Russian Federation No. 650.