Types of credit cards

Credit cards can be classified according to several criteria: type, type of payment system and benefits.

by type

Standard. The map contains a magnetic strip that stores information that allows an ATM to access the bank account. This is the most common type of card.
Chip. Apart from the magnetic strip comprise a microprocessor, allows to store up to 80 times more information than it. These cards can process and store data on bank account. Provide the highest protection against fraud.
On the payment system



There are two types of payment systems: international and local. By international concern: Visa, MasterCard, American Express and Diners Club. To the local payment systems include: Sberkard (cards are only accepted at the offices of the Savings Bank and partner organizations), Union Card, NPS and others. The higher status in the payment system - especially in the more points received her card. As a rule, the type of payment system does not affect the charges on the map holder.

on benefits

Classic. Contain standard type of services involving routine maintenance and line of credit. Made out to all clients by default.
Golden. Have a higher credit limit, more comfortable service account, offers to pay for goods and services.
Platinum. Preferred card, emphasizing the high status of the owner. Include additional services, such as a clock support specialist bank, concierge service (taxi, background information), additional insurance when going abroad, discounts on purchases in stores, etc.
Co-branding. Connected with the bonus programs (mostly airlines or retailers) - each flow map brings you bonus points that can be spent for a number of advantages.
Brief description of cards

feature name
Visa Electron Debit card without the possibility of leaving a negative (overdraft). Accept all over the world, except for Ireland, Australia, Canada and the United States. Has the lowest protection system.
Visa Electron Instant Issue cards issued in your presence. It is not the bearer's name. Card can not pay through the Internet.
Visa Electron non-Personalised Card without giving your name. It is possible to pay in stores, but you can not make purchases over the Internet.
Visa Classic Universal Card, taking for calculations around the world, including via the Internet.
Visa Classic Instant Issue Universal card issued in your presence.
Visa Unembossed Classic card numbers, which the owner information is not repressed, but simply stamped. Despite this, the card is accepted almost everywhere.
Visa Gold Preferred card with a higher credit limit, as well as a range of free services and offering various discounts.
Visa Platinum Elite Card, which includes free services, discounts, insurance and other services.
Visa Infinite is the most prestigious card with a high credit limit, free concierge, insurance, protection programs, discounts and personalized service.
MasterCard Maestro cards The cheapest of the payment system. Has a low degree of protection. You can use it to make purchases and make payments. However, it is not served through self-service terminals and vending machines.
MasterCard Electronic Card with no embossing number and name of the owner. Often designed for beginners. You can use it to make purchases in stores, but you can not make your payments through the Internet.
MasterCard Unembossed does not embossed inscriptions. You can use it to make purchases in stores and on the Internet.
Standard MasterCard Standard cards everywhere.
MasterCard Gold Preferred card with additional features: clock support, insurance, discounts.
MasterCard Platinum Has an increased credit limit service round the clock concierge and other bonuses for maintenance.
MasterCard World Special card for people who often travel from one country to another. Served in a special program, its owner has insurance coverage map applies a system of discounts.
DinersClub International Map prevalent in the United States and several European countries. In Russia, for the payment is received very rarely.
Golden Crown Card payment system "Golden Crown". Has a number of discounts and convenient for those owners who often make money transfers to third parties.