(1) Double-faced turn.
(1) Double-faced turn.
The majority of 3 million international plastic cards,
Emitted by today in Russia, are used only for
Removals cash (86 % from the sum of all operations). To accustom
Russians to concern maps as to normal, is worse nothing
Cash, to payment means, banks-emitters enter in
"Arrangement" to networks of supermarkets, motor shows or airlines.
As a result bankers and their partners expand a circle of clients,
And owners of plastic cards receive discounts in those
Shops, motor shows and at purchase of air tickets.
Two in one.
In the West plastic cards have ceased to be used
Exclusively as payment means already from the beginning of 70th years. In
This time "into a fashion" have entered so-called co-brand cards. As well as
On usual plastic, on co-brand to maps it is possible to pay purchases
In shops and to draw out money through cash dispenses. A difference that
To co-brand to maps are applied also the various additional
- usually it is services of a different sort of the discount thanks to which it is possible
Really to save money. However, not everywhere, but only in those
Shops, beauty salons etc., with which bank-emitter
Has concluded the corresponding contract.
In particular, annually only one cards VISA-General
Motп?rs in the Great Britain it is emitted about 2 million pieces (the such
Cards allow their holders to buy and serve with
The discount the cars which are let out by autoconcern General Motors).
Thanking these maps the average British saves in
Year on service of the avto nearby $150-200.
Basically, elite cards (level Gold, Platinum) any
Payment system initially provide a number of privileges. To
To example, the owner "gold" Visa - without dependence from what
The bank emitted this card - at departure abroad free of charge
It receives the medical insurance at the rate to $25 thousand also
Has the right to discounts in many five-stars hotels, at
To purchase of air tickets, etc. Still owners have the big privileges also
VIP-cards Diners Club International (about it see the table more in detail
"Tariffs for service of plastic cards in the largest Russian
Banks ").
But such discounts and privileges is an agreement between payment
System and the large companies (network hotels, airlines
Etc.). Bank-emitter of additional "deal" from these
No agreements has, after all similar privileges are received by any owner
Cards of the given payment system. And here to make favourable
For the client acquisition and "plastic" service in strict
Certain bank, last should introduce in "standard"
For the given payment system a package of additional services something
Especially, especial. And appear co-brand maps.
Therefore in a case with co-brand maps speech usually goes about
Local projects in territory of one city or region with
Any one or at once the several companies (it can be
Network of supermarkets, restaurants etc.). The bank and the company conclude
The cooperation agreement which "is thus vised" in
To payment system. As a rule, payment systems quite loyally
Concern such projects of banks-members.
Also that is important - such discount programs are calculated not only
On expensive, but also on more democratic, that is why more
Widespread maps (VISA Electron, Cirrus Maestro, VISA
Classic and EC/MC Standard).
According to bankers, co-brand projects in itself it is enough
Are successful, as combine advantages and to emitters,
Both for shops, and for end users. To banks the such
"Plastic" will allow to increase number of emitted maps and a turn
Means on them, shops - to involve in itself new buyers.
To clients favourably to pay off with a card, receiving thus
The discount.
Reception procedure co-brand maps precisely same, as well as at
Usual "plastic": it is necessary to come to bank, to write the statement on
Opening of the special card bill to pay the annual
Service and card manufacturing to bring the minimum size
The contribution and to receive "plastic".
Input by cards.
Though plastic cards have come to Russia rather
Recently, co-brand maps at us are extended enough. Already
Now them the wide range of clients - can use very much from
Students to the VIP.
Focused on the most mass audience - students and
Schoolboys - co-brand a map are offered today by Sobinbank
(Card Sobinbank-ISIC-VISA). Such map unites
Payment means and the international student's card,
Let out by Confederation of student's travel at support
UNESCO (international student's card ISIC gives the chance
To receive various discounts as in Russia, and abroad in
Hotels, at purchase avia-and railway tickets, at theatres,
Museums etc.). The size of discounts fluctuates from 3 % (in shops,
Restaurants) to 100 % (for example, at visiting of museums in Moscow).
Card cost - $7 (for comparison: annual service and
Opening ordinary VISA Electron in Sobinbank makes $5).
So practically afford such "plastic" everyone can
The client. For today by bank it is emitted about 20 thousand
Cards Sobinbank-ISIC-VISA (the rating of banks-emitters see
Plastic cards on я .56).
Also inexpensive co-brand maps it is possible to carry to a category and
Card of MDM-bank VISA Electron-Sedmoj continent. Such plastic
It is calculated on those who constantly buys the goods in a trading network
"777-777 +" (unites networks of supermarkets "Seventh continent",
Shops of building materials "Old man Hottabych", salons on sale
Cosmetics and perfumery "Arbat-prestige", shops "Sport masters" and
Etc.).
At payment by such map any purchase in the specified shops
Will manage on 5 % more cheaply (that is remarkable: this discount pljusuetsja
With others, given in a trading network "777-777 +"; to
To example, it can develop with the daily morning
7 percent discount in shops "Seventh continent", and also with
The 10 percent discount for owners of a VIP-card of this trading
Networks). The map free of charge is made and served,
The minimum payment - $20. For today it is emitted more than 20 thousand
MDM-bank VISA Electron cards - the Seventh continent.
However, there are banks which offer usual - not
"kobrendovye" - plastic cards on which nevertheless it is possible
To receive discounts in a number of the companies. For example, on any map,
Emitted by Bashcreditbank, it is possible to receive the discount in shops,
Drugstores, beauty salons (for example, the discount in the known capital
Beauty salon "п п п?п п п -98" makes 10 %), in the tourist
The companies (in "the Cornelian Round" the discount - 5 %). Besides, the discount
The Bashcreditbank program extends as well on
Automobile and furniture salons, cafe and restaurants.
Tariffs on maps usual, even more low, than in some other
Banks: for example, annual service and opening Cirrus/Maestro
- $3, EC/MC Standard - $10, EC/MC Gold $25 (at averages on the market
$5, $50, $70 accordingly). Such cards are calculated on
Clients with the most different prosperity. The matter is that the size of the discount
Does not depend on a plastic kind - differently, and on "gold"
To maps, and on Cirrus/Maestro discount will be identical.
Fears on maps.
Cost co-brand maps, as well as at usual "plastic",
Depends on that, the card is how much prestigious. Therefore at
MDM-bank and Sobinbank tariffs on them co-brand VISA Electron very much
Low that you will not tell about more prestigious "plastic"
Alpha bank.
However, and services offered on such map will save for them
Owners aloud big sums. For example, a map
Visa-п п я я п п п?п п п я Classic (cost of opening and annual
Service - $80) and map Visa-п п я я п п п?п п п я Gold ($160) give
To the owner the right to 10 percent discount at registration
The policy of assurance of a civil liability of the automobile owner and
5-15-п©я п?я п п?я п?я я the discount for insurance upon a damage and stealing
The car in the largest Russian insurance companies, for example
In SK "RESO-GUARANTEE".
Besides, owner VISA-п п я я п п п?п п п я in case of emergency
(Evacuation, brigade departure tehpomoshchi, car diagnostics)
Receives the free technical help from the service company
"CORIS-п п?я п п п ", and also round-the-clock legal support
(Telephone consultations in case of road accident, problems from motor licensing and inspection department and
Road services).
Besides it, on maps VISA-п п я я п п п?п п п я it is possible to receive discounts
To 10 % in several tens Russian car-care centres (for example, in
Moscow centre "Profile" or in Petersburg "Navigator"), in
Shops of autospare parts (for example, "Alarm-service" in Moscow), in
Autoexpert bureaus (for example, 10-25 % in "Avto-spectrum"), and
Also the 3 percent discount give on ten Moscow gas stations,
Working under a logo of the Tyumen oil company.
Depending on prestigiousness of "plastic" the holder of a card
Receives different discounts.
So, for example, at insurance of vehicles from
Damage or stealing in "RESO-GUARANTEE" to holders of maps
Visa-п п я я п п п?п п п я Classic discount in 10 % is given, and
To owners Visa-п п я я п п п?п п п я Gold - in 15 % from the base tariff.
Let's assume, the beginning motorist (term of driving to two
Years) has got car Daewoo Nexia at the price of $7,5 thousand. The insurance
From a damage (in case of the failure which have happened not because of the automobile owner)
Will make 8,41 % from cost avto, or $630, the insurance from stealing -
2,5 %, or $187, civil liability insurance for the sum
To $10 thousand will manage in $120.
It is all in the event that the client pays in cash or
Pays the insurance a plastic card not Visa-п п я я п п п?п п п я .
If to pay the insurance for map Visa-п п я я п п п?п п п я
Classic the insurance of the car from a damage will manage in $567 (economy
In $63), from stealing - $168 (economy in $19), civil
Responsibility - $108 (economy in $12).
If to pay the insurance through Visa-п п я я п п п?п п п я Gold,
To insure the car from a damage it is possible for $535 (economy in $95), from
Stealing of $159 (economy in $28), the insurance of the civil
Responsibility - $102 (economy in $18).
On a call.
Co-brand Programs of international payment system Diners Club
International are calculated basically on very men of means,
Whose monthly income makes at least $3-4 thousand.
So, in particular, holders of a card receive (besides
Standard set of services on Diners Club International: the cash
And the clearing settlement by cards, the international insurance,
Discounts in five-stars hotels worldwide etc.) all set
Services of company WellCare which specialises on rendering
The round-the-clock urgent help in emergency situations. For example,
Medical aid (consultation of the doctor, possibility to receive
Treatment in VIP-hospitals etc.), the help on road (the technical
Autoservices), a legal aid. For these services to the client all
Equally it is necessary to pay, but actually for the service order to pay already
It is not necessary. And it is real economy. If at you map Diners Club
International-WellCare No, that, for example, for a call of the doctor from
Prestigious clinic it is necessary to pay about $50.
Till the end of a year the card will cost as much, how much and
Standard Diners Club International: $200. To holders of the usual
"Plastic" of this payment system for reception Diners Club
International-WellCare It is necessary to pay in addition $10.
Till the end of a year plan to start to emitirovaniju the new
co-brand Cards some more banks - in particular, MDM-bank,
Rosbank, bank "Zenith", the Russian bank of development, AKB "Slavic".
So, for example, AKB "Slavic" is going to to let out co-brand
Map Diners Club together with "Butts-car centres" (trades
Cars Volvo).
Holders of such cards will receive discounts for purchase of cars
(Discount in $1000 is supposed at acquisition of any car
"Butts-car centres" and reduced rates for servicing). Except
That, till the end of a year payment system Diners Club International
Plans to conclude the contract with airline "Aeroflot", on
To which clients can receive discounts (their size will be
It is defined later) on purchase of air tickets.
In a word, application sphere so-brand cards in Russia it is constant
Grows. And it means, that habitual and expensive to heart of some
Russians "suitcases with a cash" are gradually superseded by the modest
By sight, but not less solid under the maintenance plastic slices.
SCHEDULE 1. Distribution of the plastic emitted in Russia
Maps on payment systems for October, 1st, 2001.
Europay International 28 %
Visa International 27 %
Union Card 27 %
Gold Crown of 12 %
STB 5,9 %
Diners Club International 0,1 %
In total 6 548 000 maps are emitted.
SCHEDULE 2. Rapredelenie operations on the plastic emitted in Russia
To maps for October, 1st, 2001
Visa International 41 %
Union Card 25 %
Europay International 24 %
Gold Crown of 9 %
STB 0,9 %
Diners Club International 0,1 %
Total sum of operations $2,568 billion
//* an information Source: the Profile, 12.11.01
//* Reg. Nom. - 1111100198.47-------------------------------------------
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