Author: Igor
Over the past 7 years, I have tried premium cards from different banks - B&N Bank, Otkritie, Sberbank, AkBars, Home Credit. All of them were good in their own way, but I could not find the perfect map. Except that B&N Bank stood out favorably, but the bank, as we know, closed.
And now I have another "novelty" in my wallet - a premium metal card from Tinkoff. I thought, I'll tell you right away, for a long time. I shoveled a bunch of reviews and for a month weighed whether I needed it.
In total, I have been using it for several months, since the summer of 2020: I got a little bumps, saved 11,500 rubles on one (!) Purchase, and discovered a couple of advantages that I had not read about anywhere before. For example, how can you turn two lounge key passes per month into four or even eight. (UPD: now, if the conditions are met, you can get unlimited passes, but the default tariff is enough for me).
Feel like it's time to write your own review!
Why did I decide to issue a Tinkoff Black Metal card?
Tinkoff Metal (debit) is my main card now. It is premium, and the monthly service, or free terms, is not cheap, but it also gives a lot.
What I didn't know (well, or didn't fully realize): issuing a premium metal card from Tinkoff implies a transition from the usual Black tariff to premium Metal - accordingly, the Black card has to be closed (it's good that everything is online).
I have been using the Tinkoff Black debit card for over 7 years and have now decided to upgrade. For me, Tinkoff is the main card, because I like:
- the level of the bank's service (and it only improved for the premium),
- that you don't need to go to offices (that's why it's hard for me to deal with conditional Sberbank or Opening),
- Convenient cashbacks and interest on the balance (although they have recently become less, they began to increase since May 2021).
This is what the card looks like - quite stylish, it is completely made of metal 🙂
Investments pushed me to register Tinkoff Premium - I opened a brokerage account in the bank, adding it to the card account and deposit here. I will talk about the "goodies" for investment below through four sections. The link, by the way, is a month of trading without a commission. And when you open a deposit, they give an additional 0.5% per annum!
With the transition to Tinkoff Black Metal, I was interested in the following chips:
- free passes to airport business lounges (from 2 times a month),
- well, so increased cashback limits * - up to 30,000 rubles per month, and transfers to cards of other banks - up to 100,000 rubles per month.
- insurance for traveling abroad, covering ANY four people (and not just a spouse / children, like everyone else).
* about cashback: I recently bought a laptop and instead of 3000 rubles (maximum on a regular Black card) I received as much as 11,500 rubles. Divided by the cost of servicing the card, I have already paid for it for almost eight months :)
And, of course, I cannot fail to note the very physical sensation of the card - it's made of metal! So heavy, unusual. In Russia, metal bank cards are issued by only a few banks. Previously, I only saw the metal card from Apple in the US.
Tinkoff Black Metal card terms and conditions
Briefly about the tariffs and conditions for using the card, then it is FREE with the following points:
- Or spending a month on a card from 200,000 rubles and maintaining 1,000,000 rubles on the account;
- Or the daily balance on all accounts * in Tinkoff Bank from 3,000,000 rubles.
* funds are considered on card, brokerage, savings accounts, on IIS and on deposits - all together.
If the conditions are not met, the cost of service is 1990 rubles per month. But there is such a life hack ...
HOW DO I GET ANOTHER +2 PASSES TO THE BUSINESS ROOM? As I was told in support, if you pay for a debit card of 1990 rubles per month or fulfill the conditions for free service on it, then you can issue a 2nd card - a credit card and receive additional bonuses (2 more additional passes, 2% cashback for spending on credit card - the main thing is to close expenses within a period of 55 days). |
Promotions and bonuses: how to get 2 months for free?
I have not seen anyone write about this (on websites or in reviews), but the card can be used for almost 2 MONTHS FOR FREE!
I tell you how:
1. You need to follow the link >>, order a card and get a bonus 2 months of free card maintenance. This recommendation bonus "from a friend to a friend" is given for the first 10,000 rubles spent (not by one check, but in general).
BUT! If you have a regular black card, it is better to write in support that you followed the link and show it - otherwise they wrote to me that the bonus might not be credited. You can write to me so that I also write in support and confirm (last time it helped). If Tinkoff was not serviced earlier, you do not need to write, it is enough to follow the link.
2. You need to connect the tariff (that is, order-issue a card) IMMEDIATELY AFTER the reporting period by debit Black. Then the paid period will start from the next month.
For example, I have a reporting period for Black from July 24 to August 24. I made a Black Metal card on July 25, and I need to fulfill the bonus conditions only from the next month (namely, from August 24). Well, and then there will be written off "conditional" 1990 rubles, which are included in 2 free months at the link above.
If you do not have a basic debit card Tinkoff Black, then here is a link with a bonus >> for its registration, there is 3 months of free service. You can do it first, and when you get it, follow the friendly link from point 1. and change it to a premium Tinkoff card, the terms of service of which you now know. But there is always a risk that the bank, according to the conditions, may refuse to accrue a bonus on a premium card, since there has already been black.
But Sberbank ...
I know that someone is issuing a premium card from Sberbank Premier (they used to give it two months for free, and I also somehow issued it to myself - now, it seems, they don't give it), but there are no such cool cashbacks with real money or insurance on all "outsiders" who travel with you on a trip. Plus, you need to go to the office to open / pick up / close the card - but not any closest one, but only the one with a premium window. And there is no interest on the balance. Therefore, the choice here, I would say, is obvious.
So, now about the business lounges. How to get from 4 to "unlimited" passes?
Lounge Key access to business lounges - how to get 4 passes instead of 2?
One of the best card bonuses is visiting business lounges at airports around the world.
Note! Since April 2021, the conditions have changed slightly, now 2 passes per month are accrued as standard, regardless of how many cards you have. But if the conditions are met, you can get more:
If you are going to have a family vacation and you do not have enough passes, you can open 2 cards - for each get 2 months for free, and upon arrival just close one of them. |
Tinkoff Bank works with the Lounge Key system, and passes are carried out using the bank card itself, in contrast to Priority Pass, where a separate card is issued. There are 2 passes monthly available on Black Metal. If you keep at least 3 million rubles on all accounts, there will be 4 passes per month and unlimited from 10 million. The default amount is enough for me 🙂
Hacking the system: the bank has several types of premium cards, and you can also open several, and the terms of service are linked to one account. Do you understand?
That is, if you already have the necessary 3 million rubles or 200 thousand in spending, counted for Black Metal, they will be counted for another premium card! Or you, like me, pay 1990 rubles for a premium plan.The only condition: you cannot open a second debit card, so I opened an All Airlines premium credit card and use it for hotel / car bookings and access to business lounges (it’s not my money that freezes during the passage) 🙂 And if I go on a trip at the junction of two months ... it will be 4 default pass!
Although the indisputable plus of a credit card is that you can book a car and accommodation on it and "freeze" not your own money. The main thing here is to return the amount within 50-something days, so as not to pay interest.
The main advantages of the Tinkoff Metal premium card - what do I like about it?
What advantages do I highlight in a Tinkoff premium card? The main thing for me is that this is an ordinary card "for every day", which saves more money for more conditions and gives excellent privileges.
pros.
+ Travel insurance up to $ 100,000 - and the main feature is that it covers active sports, and it can be expanded to ANY four people who travel with you. Even a girlfriend, friends, or parents. And there is an interesting add-on - third party insurance (you can not take insurance from rented cars).
+ Free passes through the Lounge Key to business lounges at airports - and if you go at the junction of two months, you will get 4 passes without any problems).
+ Increased limits on transfers to other banks - before with Black I had 20,000 rubles a month, now 100,000.
+ Increased cashback limit - it was up to 3000 rubles, now it is up to 30,000. I have already tested it, as described above.
+ Cashbacks for travel - and if you take a limit of up to 30,000 rubles, then it also makes sense. 10% in hotels, 5% in air and 10% car rental.
+ Money can be kept in a savings account, received interest on the balance, and pick up - at any time without losing them (as opposed to a deposit). Sumon which the interest is calculated on the premium tariff not limited!
+ Free service at Tinkoff Investments - and if you decide to apply for Interactive Brokers (like me, in addition to Tinkoff), SWIFT transfers there will be commission-free. Usually it is $ 15- $ 20 per transaction.
+ Well, and a plus, which is attached to all Tinkoff cards - super convenient applicationwhere you can solve any problem online or by phone. Here's an example: somehow abroad my card was blocked, and to unblock it, you need to call the bank. I don't have a local SIM card, roaming is predatory. Do you know how everything was resolved? In the Tinkoff application, you can call the bank via wi-fi!
Yes, there is also Concierge Service, Auto-Concierge Alfred, but to be honest, they come with almost all premium cards, and I have NEVER used them.
Minuses.
- If we omit the 2 months free of charge for maintenance (which I wrote about above), then the conditions for use are still tough: spending 200,000 rubles and 1 million on the account or a daily balance of 3 million rubles. On the other hand, you can pay 1990 rubles a month, paying for them with cashbacks, and enjoy the premium rate.
I don’t see any more cons. The service is good, you don't have to go to the bank, and in 7 years I realized that for Tinkoff the client is a priority.
Personal example: an employee assured me that I was entitled to an increased cashback in a category, but was mistaken, it turned out to be wrong. They met me halfway and still accrued it - and it's not about a thousand rubles, but more!
At the same time, I am not a fan-fan of the bank, since I used many other cards, and at some point their conditions were better, but, Tinkoff haters - in which bank you were credited 2-3 thousand rubles just like that, because “a newbie "On the hotline said so? I had this with Tinkoff several times, when other banks did not even apologize for such a thing.
To summarize - useful links and bonuses that will come in handy for you:
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Privileges under the Mastercard program
Often promotions are held for premium cards from Mastercard or Visa. I don't always use them, because I don't follow them. But a couple of times I received free mobile communication abroad for 7 days, luggage packing and something else. Oh yes, there are also "free" passes to business lounges (in my opinion, now it works for a Visa).
Of those interesting at the moment for the Mastercard (and the premium from Tinkoff is on the mastercard) - a 15% discount in Yandex Taxi on tariffs from Business and higher.
Advantages of Tinkoff Black Metal for Investment
I will collect here the main chips:
+ Free service at the "Trader" tariff in Tinkoff Investments.
+ SWIFT transfers without commission - (usually $ 15 is taken for one transfer). What for? Well, for example, if you need to send money to Interactive Brokers.
Tinkoff Investments is a worthy tool for trading on the stock exchange. I say this because I have been using them since December 2019, everything is flawless.
Conclusions: my review of the Tinkoff Black Metal card
Why Tinkoff Black Metal? Here are my testimonials and tips.
I was a client of more than ten banks, but for some reason all these cards either left or became, at best, the second or third in my wallet. Someone is shutting down, someone is changing the conditions. Sometimes you put up with poor service when the conditions are gorgeous (this was 3-4 years ago in some banks), but now, in my opinion, service comes out on top. Because the conditions now - especially in premium cards - are more or less similar.
Debit Tinkoff Black has become my main card, like most of my friends and acquaintances. And Tinkoff Black Metal (premium), in theory, is an upgrade to Black - like the Macbook Air and MacBook Pro. Both are fine, but the latter is designed for more extensive tasks.
Now a couple of tips from me:
- It is advisable to travel abroad at the junction of two months in order to use four passes to the business lounge (for example, 2 in November and 2 in December).
- The insurance must include in advance the people with whom you are traveling. They won't have this insurance without you.
- Check before shopping which stores Tinkoff cooperates with. I wanted to buy a laptop in Mvideo, but I bought it in Technopark - the price was the same, but the second store accrued + 5% cashback! Not bad.
And a few more points that you may be interested in:
By the way, from June 1 to June 15, there is a special offer for an All Airlines credit card - 5000 miles as a gift. To do this, you need to spend 10,000 rubles on the card (you can use different payments) in 30 days.
- If you use the card from 6 months, and then return back to the regular tariff, you can leave the metal card for free and link the base tariff to it (it is really cool). Up to 6 months, metal can be "redeemed" for 5000 rubles.
- Compensation for entering the business lounge comes within 5 days. You pass, your money is debited and then it is returned.
- Conditions of 3 million rubles on the account are taken into account for all accounts with Tinkoff: brokerage, and deposits, and IIS, and ordinary accounts.
I will continue to use the map and add information to the article if necessary! And you too - leave your comments below: are you satisfied with Tinkoff and its premium rate? Or am I missing something?
