To increase customer loyalty, Russian banks and trade and service companies issue bank cards to obtain additional benefits. Sberbank, together with Aeroflot, has developed a line of debit and credit cards. Understanding the peculiarities of using Aeroflot cards from Sberbank.

Basic conditions for receiving bonuses with Aeroflot cards

For debit and credit cards under this Sberbank program, one system of obtaining bonus points is used. Aeroflot Bonus program: earn miles for paying for the services of Aeroflot and its partners from the SkyTeam alliance with a bank card. For 60 rubles spent (or $ 1 / € 1) you will receive:

• 1 mile by Visa Classic card;
• Visa Gold - 1.5 miles;
• Visa Signature - 2 miles.

Miles are of two types:

• qualifying miles when paying for tickets for regular flights of companies;
• non-qualifying miles - payment for other alliance services.

The client receives welcome points as a gift:

• Visa Classic - 500 miles;
• Visa Gold - 1000 miles;
• Visa Signature - 1,500 miles.

Accumulated bonuses can be spent in the form of Bonuses:

• award ticket: payment for regular flights of the alliance companies;
• bonus upgrade on SkyTeam flights: from Economy to Comfort or Business, from Comfort to Business;
• Partner premium: services from Aeroflot and alliance companies, hotel reservations, purchase of certificates from partner companies (differ by region).

You can also participate in Aeroflot's charity program Mercy Miles: transfer points to the Gift of Life, Rusfond, Spivakov International Charitable Foundation, Life Line.

For convenience, the websites of Aeroflot and Sberbank have special calculators for calculating accumulated miles. Next, we will consider the main parameters of Sberbank debit and credit cards.

Debit card "Aeroflot" from Sberbank

The main parameters of an Aeroflot debit card are as follows:

• payment system: Visa;
• condition for issuing a card: permanent or temporary registration in the Russian Federation;
• annual service cost: Classic - 900 rubles (600 from the second year of use), Gold - 3500, Signature - 12000 rubles;
• daily limit for cash withdrawals: Classic - 300 thousand, Gold - 600,000, Signature - 1,000,000 rubles;
• monthly: Classic - 1,500,000, Gold - 3,000,000, Signature - 5,000,000 rubles;
• limit on transfers from the account: 500,000 rubles daily;
• account currency: ruble, dollar, euro;
• connection of contactless payment systems, such as Apple pay, Android pay, Samsung pay;
• linking the card to an electronic wallet (Yandex Money, Qiwi, WebMoney, etc.).

Thus, the Aeroflot debit card has all the basic options typical of modern bank cards.

Credit card "Aeroflot" from Sberbank

The main parameters of the Aeroflot credit card are somewhat different:

• payment system: Visa;
• card type: Visa Classic, Visa Gold, Visa Signature;
• grace period: 50 days;
• annual interest rate: 23.9-27.9% for Classic and Gold cards, from 21.9% for Signature (as part of a personal offer);
• credit limit: for Classic and Gold cards on general terms - up to 300,000, for a personal offer - up to 600,000 rubles; for Signature - from 300,000 to 3,000,000 rubles;
• annual service cost: Classic - 900, Gold - 3500, Signature - 12,000 rubles;
• participation in the bonus program THANKS from Sberbank;
• connection of contactless payment systems such as Apple pay, Android pay, Samsung pay.

To get an Aeroflot credit card, you need to meet the following requirements:

• age from 21 to 65 years;
• work experience: at least 1 year over the last 5 years;
• work experience at the current place of work: at least six months;
• the presence of permanent or temporary registration in the Russian Federation.

We recommend that you familiarize yourself with the full conditions for this offer of Sberbank on the company's website.

How to start earning miles

To activate the Aeroflot Bonus program, you need to register in the system through the Aeroflot website and access your profile by filling in your personal data:

• the participant's number on the back of the card, located in the lower left corner (you do not need to enter the zeros indicated at the beginning of the combination);
• E-mail address;
• surname in Latin letters;
• Date of Birth;
• password for an account on the Aeroflot website;
• select a secret question from the list and enter the answer to it;
• confirm agreement with the terms of service.

After you register in the system, you will be presented with a profile where you can control the accrual of miles and enable or disable services such as SMS messaging. This service is free for Sberbank clients.

You can also connect to the Aeroflot Bonus system at the Aeroflot or Sberbank office. When issuing tickets, you must indicate the member number in order for miles to be credited to the account.

How to check your accumulated miles

You can check the total amount of accrued bonus miles in several ways:

• in your personal account on the Aeroflot website;
• send SMS "01" to the number +7 985 233 55 55, if you use SMS informing;
• through your personal account in Sberbank Online;
• via the Sberbank application for smartphones.

An important point for Aeroflot Bonus program members: if you do not fly or use SkyTeam services for more than 2 years, then all previously accumulated miles will be automatically canceled.

Conclusion

Aeroflot debit and credit cards from Sberbank provide ample opportunities for those who constantly fly and actively use additional travel services. The more you fly and spend money on flight-related options, the more benefits you get. At the same time, debit and credit Visa Classic are cheaply serviced, like standard bank cards. Receiving THANKS bonuses will pay off these costs.

All about the Aeroflot Sberbank card: conditions, service rates, types, available services and much more - you will learn from this review. We also present a comparison of this banking product with similar offers from other financial institutions.

To summarize, we can say that the Aeroflot debit card from Sberbank will be a very advantageous offer for those who frequently fly using the services of Aeroflot. The program is also suitable for citizens with an upper middle income level who use mainly a bank card to pay for purchases and services. You can calculate the amount of miles that you will receive using a special calculator on the website, which is very convenient, especially if you decide whether or not to issue such a card.

The disadvantage of this banking product is the high cost of servicing cards with all statuses. There are no pay reductions for gold and platinum lines in subsequent years. In addition, it is quite difficult to accumulate miles if you do not often spend money from a plastic carrier, but prefer cash. Taking into account that the bank stops accruing bonuses under the Thanks from Sberbank program (the client receives them only within the framework of special offers from partners), the cost of servicing the account is unlikely to pay off for Aeroflot cardholders who rarely fly and make expensive purchases.

NOTE. Existing members of the Aeroflot Bonus program will be able to combine their existing account with a Sberbank card. This will be a significant advantage for those who have already accumulated miles.

Other banks are also partners of Aeroflot that offer their customers the accrual of miles for purchases. These are Otkritie, Alfa-Bank, Citibank and SMP. Below is a brief overview.

Bank opening"

The Aeroflot card is issued in two types: optimal and premium. The service cost is 299 rubles and 2500 rubles, respectively. Also, subject to the terms of the tariffs, you can provide a completely free annual service. Cash withdrawals and deposits are free of charge at the company's ATMs. There are remote maintenance services. Payment system - Mastercard.

Advantages: for the first purchase with a card, 500/1000 miles are credited, for each subsequent one - 1.35 / 1.65 miles for every 50 rubles (depending on the status of the plastic carrier). When ordering and paying for plane tickets on the official Aeroflot website, the number of bonuses increases to 2/3 for every 50 rubles.

Disadvantages: branches and self-service devices are not yet available in all cities, the currency of the account is only rubles.

Bank "Alfa-Bank"

Aeroflot card, which can be issued in 4 options:

• Standart. Service - from 900 rubles / year. 500 welcome miles + 1.1 miles for each 60 rubles, dollar or euro spent from the card.
• Gold. From 2500 rubles / year. 1000 welcome miles + 1.5 miles for every 60 rubles, 1 dollar or euro.
• Platinum. 7990 rub / year. 1000 welcome miles + 1.75 miles for every 60 rubles, 1 dollar or euro.
• World Black Edition. 11 990 rubles / year. 1000 welcome miles + 2 miles for every 60 rubles, 1 dollar or euro.

The bank works with the payment system - Mastercard.

Advantages: branches are spread in many cities, there are remote service channels, including free SMS informing. Free withdrawal and deposit of cash at bank ATMs.

The main disadvantage is expensive maintenance.

Citibank Bank

It issues only Aeroflot-Citibank credit cards with standard and premium status: the cost of an annual service is 950 rubles. and 2950 rubles. respectively.

Conditions for calculating bonuses: for every 60 rubles spent on purchases - 1 mile.

Plus: for the first purchase using a plastic carrier, 1000 and 2000 miles are credited, depending on its type. The main drawback is the lack of debit offers.

Bank "SMP"

It issues Aeroflot cards that work with the MIR payment systems (only in the Russian Federation) and Mastercard. Remote service is available, free SMS alert service, contactless payment technology. Cash withdrawal / deposit at ATMs "SMP" without commission. The options are:

• WORLD Classic. 900 rubles / year. 1,000 welcome miles, 1.25 miles for every RUB 60
• WORLD Premium. 6990 rub / year. 3,000 welcome miles, 1.75 miles for every RUB 60
• Mastercard Standart. 900 rubles / year. 1000 welcome miles, 1 mile for every 60 rubles.
• Mastercard Gold. RUB 3000 / year. 2,000 welcome miles, 1 mile for every RUB 60
• Mastercard Platinum. 7000 rubles / year. 3000 welcome miles, 1.5 miles for every 60 rubles.
• Mastercard Black Edition. 12,000 rubles / year. 3000 welcome miles, 1.5 miles for every 60 rubles.

Advantage: it is possible to issue a MIR card.

Disadvantages: non-proliferation of the organization, expensive maintenance.

Outcomes

In the first place in terms of the terms and benefits received is the Aeroflot card from Otkritie Bank, the best card for accumulating miles. This financial institution offers the lowest annual service cost and the highest mileage accrual.

Sberbank is in second place. However, if in your city there are no branches and ATMs of the Otkritie company, and you often have to deposit and withdraw funds through self-service devices, it is recommended to stay with the offer from Sberbank, as it is more widespread and well-known.

Aeroflot Bonus is a bonus program for passengers of the airline of the same name, which was created back in 1999. By May 2009, more than 1.5 million people took part in it, of which 230 thousand were foreign citizens. For each flight, the program member accumulates miles, the amount of which depends on the fare. Bonuses can also be received for purchases in stores, subscriptions to magazines, and the use of services of mobile operators. For all these services you need to pay with a card of one of the partner banks of the program. At the beginning of 2014, there were 7 of them: Alpha, City, Russian Standard, Gazprom, SMP, Uralsib. In this article, we will take a closer look at the card that Sberbank provides to its customers - Aeroflot Bonus.

For whom

Any passenger, regardless of citizenship, at the age of 2 years or more can become a participant. The smallest ones join the Aeroflot Bonus Junior program. In it, the rules and conditions for participation are similar. When a child turns 12, his account is automatically extended and transferred to Aeroflot Bonus.

How to register

• Through the airline's website.
• By filling out an application at the sales office.
• By opening a co-branded bank card.

You need to provide passport data, personal information. After registration, the client is assigned a personal member number. It must be presented when purchasing goods and services, as well as when ordering a ticket. After accumulating 2 thousand miles, the client receives a permanent Aeroflot Bonus member card (before that he has a “pre-activated” one). It is sent by mail to the address indicated during registration. You can find out the remaining miles from your Personal Account on the website. Keys, that is, a password, are issued during registration or at the company's office.

Types of miles

Regardless of the type of card, the accumulated points are divided into qualifying and non-qualifying. The first include bonuses accrued for air travel on Aeroflot and partner companies' flights. They can be exchanged for a free ticket, a higher class of the participant. After registration, the client is issued a standard card.

The Aeroflot Bonus program (Sberbank) provides that after accumulating 25 thousand miles per year, the client moves to the next level - Silver. It offers the following benefits: additional luggage space, priority check-in and service, and much more.

The 50K Mile Gold Level offers even more benefits. As a bonus, the member can choose an upgrade on the regular flights of the airline and members of the Sky Team alliance. Non-qualifying miles are accumulated for using the services of partners, special offers. They can only be spent on bonuses.

Program conditions

Miles are earned only for tickets booked in classes O, X, Z, E, G and N. The exact figure can be viewed on the airline's website. Miles are not credited for bonus, free, charter, tickets paid for special. rates purchased as part of travel packages. If the client does not show up for the flight, he will not receive points. Persons who are members of various airline bonus programs can accumulate discounts on only one of them for one flight.

Miles are also credited for using the services of partners:

• registration and use of co-branding cards (Sberbank) Aeroflot Bonus, Russian Standard, CitiBank;
• payment for services at Hilton, Marriott, Swissotel, GloriaHotel, AZIMUT, Novotel, Grand Hotel Europe (St. Petersburg): 1 mile for 1 euro;
• purchase of Simple wines, payment for the services of Megafon, ticket booking company, iGlobe.ru hotels.

More details about the conditions of Sberbank

The largest credit institution in the country offers customers discounts in the form of additional. services and free programs. One of them is the Aeroflot Bonus bank card (Sberbank). The system is simple: miles are accumulated for every ticket purchased and used, which can then be exchanged for a free flight. But there is one condition: within the last two years, before the discount is used, one purchased ticket must be on the account.

Sberbank issues a debit and credit card "Visa Aeroflot Bonus". For every 30 rubles used, 1 mile is credited. With a Gold card - 1.5 miles. Opening bonus - 500 (1000) miles. On the birthday of the holder, the same amount is charged. An Aeroflot Bonus card (Sberbank) with borrowed funds on the account is issued for 900 rubles. Gold costs 3.5 thousand rubles. Payment for the use of funds - 24% per annum. Other banks offer 30%. The grace period is 50 days. For registration, you only need to provide a passport. You will not need an income statement or an extract from the employment document. Feedback from participants confirms that it is worth purchasing a card only if you frequently fly. Otherwise, the purchase will be unprofitable.

The number of participants dropped dramatically

In April last year, Russian Standard Bank left the list of partners of the Aeroflot Bonus program. Under the terms of cooperation, customers should receive cash-back in the amount of 3% of card payments for accrued miles. This is the fifth bank that refuses to cooperate with the company. The released "Russian Standard" is going to join Miles & More. Citibank also cooperates with this company, but is not going to give up Aeroflot for the time being.

Sberbank may also withdraw from the number of participants

Back in the summer of 2014, negotiations began on the purchase of air tickets for the "Thank you" points. This is a bonus program that allows you to exchange accumulated points for goods and services of partners. According to unofficial data, the credit institution is already negotiating this topic with e-travel, Anywayanyday, Biletix. The organization also offered its clients to participate in the Sberbank Aeroflot bonus program. But the airline refused to sell tickets to customers for “Thank you” points, as it implements its loyalty program. As a result, the credit institution stopped accruing “Thank you” bonuses on cards with Aeroflot.

Conclusion

Individuals who frequently use the services of Aeroflot can get a co-branded card. Miles are credited to the account for tickets and partner services paid by her. Then they can be exchanged for a free ticket or an upgrade. A large credit institution in Russia also participates in the loyalty program, offering its customers its cards - Sberbank (Aeroflot Bonus). For every 30 rubles spent, one mile is credited to the bonus account. Points are separately accumulated for new customers and on the birthdays of the holders.

Bank cards have long ceased to be just a payment instrument, today they are a unique opportunity to receive benefits from payment for goods and services. For example, Sberbank offers its customers to issue an Aeroflot card, with which they can accumulate points and exchange them for free tickets. A co-branded product is a joint project of the bank and Aeroflot, using this offer, the client automatically becomes a member of the incentive program. It remains only to determine how Aeroflot Sberbank miles are credited and how you can use them.

About the map

The debit or credit card Aeroflot from Sberbank is presented in several versions Classic, Gold or Signature. Also, users have the opportunity to choose the Visa or MasterCard payment system. In fact, the card is not much different from standard plastic, it gives its users the following features:

• pay for goods and services at retail outlets;
• pay for goods and services via the Internet;
• withdraw cash from ATMs;
• send and receive transfers from other users;
• manage your finances using remote services.

Important! Credit cards are not intended for money transfers, as well as for paying loans in other banks.

Scoring principle

How are miles accrued on the Aeroflot Sberbank card? To receive a reward, you need to become an active user of a bank card, because the number of miles accrued will directly depend on the client's expenses. Aeroflot Bonus miles are accrued according to the following principle and depends on the type of plastic:

• Visa Classic owners receive 1 bonus point for each 60 rubles;
• Visa Gold users can get 1.5 miles for 60 rubles;
• holders of the Signature Visa receive 2 miles for each 60 rubles.

It is worth explaining that bonus points are awarded based on the amount of expenses. For example, if you spent 600 rubles from a classic card, then you get 10 bonus miles, for the same amount of expenses from your Visa Signature card, and you get 20 miles. By the way, bonuses are credited to the bonus balance within 10 days from the date of card purchases.

In addition, holders of co-branded cards have the opportunity to receive rewards from flights from Aeroflot and its partners. How many miles are credited for an Aeroflot flight? In fact, if you want to calculate the number of bonus points for a flight on a certain route, you just need to go to the official website http://www.aeroflot.ru/ikm/?lang=ru and use the online calculator.

Please note that if you want to become a member of the bonus program, you just need to get a card at any branch of Sberbank, and then go through a simple registration on the official Aeroflot website, after which you will get access to your personal account, where you can control your bonus balance.

How to spend accumulated bonuses

If you are the owner of a Sberbank Aeroflot bank card, then you have the opportunity to spend the accumulated bonuses in different ways. Let's consider all of them:

1. When purchasing a ticket for flights, you can use bonus miles to buy a ticket for a flight by Aeroflot or its partners.
2. Upgrading the class of service with bonuses. You can upgrade the level of service to VIP-class, which makes it possible to use VIP lounges and receive benefits in passing passport and registration control.
3. If for some reason you did not want or could not use the bonuses accumulated on the card, you can donate to charity.

Sberbank offers two types of cards that support the Aeroflot Bonus program. These include the classic card and the gold one.

If you use Aeroflot services, the card can help you get tickets to one of the countries of our planet for free. Those who have this card can get higher classes on an airplane or a hotel room.

The units of bonuses are so-called miles. They come to your card when you shop in stores. Let's say you have a classic card. In this case, you will receive 1 mile for every 50 rubles spent in the store. If you are the owner of a gold card, then this will mean that you will receive 1.5 miles for the same amount of money spent. There are a number of other cases where the owner can acquire miles. For example, air travel, hotel room rental, etc.

In addition to being divided into two types - gold and classic - these cards are also divided into debit and credit cards. You can purchase any of them.

How to find out how many miles for Sberbank Aeroflot bonus in your Personal Account: instructions

After you go through the procedure for issuing a card at the bank, you will automatically acquire a Travel Miles membership number. You will need to indicate it when you are going to buy tickets or book a place in the hotel.

Go to the page http://www.aeroflot.ru/cms/ru/afl_bonus. There is a personal account. Log in to the system. Next, you will need your membership number. With it you will be able to connect to the program. After that, you will see the number of miles you have earned. You can see their number at any time.

Thus, you will always know exactly how many bonuses you have at your disposal. Many people are quite satisfied with the option of how to find out about the unused miles on your account. However, there are other ways as well.

The second way is to call the Aeroflot call center. You should be answered almost immediately. The operator will announce to you how many bonuses are saved on your account. But in order for him to be able to disclose this information to you, you need to tell him the card number, month and year of the end of its operation, as well as the CVV number.

There is a charge for servicing the card. It is different for each type of card. The classic card will cost you 900 rubles per year of use. A gold bank card will cost 3,500 rubles per year, however, unlike a classic one, it has many more advantages.

In order to issue these cards, you need to be a citizen of the Russian Federation. Age - from 21 to 65 years old. The work record must be at least one year in the last 5 years. At the place where you are currently working, you must stay at least 6 months before you want to issue a Sberbank card.