Platinum visa: card advantages, prices, insurance and reviews

Visa offers a wide range of bank cards: Visa Electron, Classic, First or Infinite. The visa platinum card is between the first visa and the infinite visa.

Platinum bank card, under what conditions ?

Having a high -end bank card is the guarantee of accessing exceptional services and interesting payment options. The Platinum card is positioned exactly on this niche, “luxurious” cards while remaining accessible. But is it really interesting to subscribe to a Platinum card ? We will explain everything you need to know about its advantages. You will see that its prices are more advantageous than certain high -end cards.

What is a visa platinum card ?

The Platinum bank card is an international and high -end credit card, just like a black card. This is available in different forms: Mastercard Platinum, American Express Platinum card and Visa Platinum card. A Platinum card is in principle reserved for customers with significant income with specific needs: high payment and withdrawal ceiling, “platinum” services, concierge, etc. Thus a Platinum card is positioned above a conventional bank card such as the first visa or the Gold Mastercard due to the services offered. It comes directly to compete with black cards such as the World Elite from Mastercard or the Elite Visa.

Did you know ? The American Express Centurion card is the most high -end and luxurious bank card offered on the market. Its annual subscription is not within the reach of all budgets: it amounts to € 3,000 per year.

The Platinum Visa card is the best known, you can find it in the following traditional banks:

• Banque Populaire;
• Caisse d’Epargne;
• The postal bank.

The Mastercard Platinum is little issued because it is gradually replaced by the World Elite Mastercard. It is nevertheless still available in the following banks:

• Crédit Mutuel Sud-Ouest;
• Mutual Crédit du Massif Central;
• Crédit Mutuel de Bretagne;
• LCL.

If you hesitate to change the bank to subscribe to a Platinum card, Know that it is now very easy to take the plunge ! With banking mobility, the procedures are directly carried out for free by your new bank. To help you make your choice for the high -end bank card you are looking for, make a comparison ! In a few clicks, we provide you with a comparator dedicated to more than 30 banks.

The best banking offer according to your needs and budget

Platinum card, what are the income conditions ?

High -end cards have the reputation of being inaccessible. But what about ? The Platinum card actually has income -related conditions: it is generally necessary to justify income up to € 80,000, or more than € 4,000 net monthly. But beware, each bank has its commercial policy concerning the Platinum visa and its eligibility conditions are likely to evolve. Generally, this minimum wage condition for the Visa Platinum card is accompanied by a banking domiciliation obligation. That is to say that the bank can condition the granting of the Platinum card to the payment of your salary or part of your resources on the bank account attached to your card so that it is constantly fed.

If you do not meet this condition, the bank may ask you for an alternative: Have a substantial savings, € 50,000 for example. Once this income condition has been linked to the Platinum card filled, you will have access to the many advantages of this card: withdrawal ceilings greater than average, concierge services, insurance and full assistance, etc. In order to obtain your Platinum visa, find out about the conditions for obtaining your bank.

What is the ceiling of a visa platinum card ?

Choosing a Platinum card allows you to benefit from a higher ceiling to make your expenses. Indeed, a visa platinum card can give you access to a withdrawal ceiling up to € 3,000 per week and a payment ceiling from € 8,000 per month. Suffice to say that it offers you a freedom that few bank cards are able to offer and this is what makes a strong point of a platinum card !

Our tip if you opt for a Platinum visa card: generally the payment ceiling as well as withdrawal is negotiable with the bank. However, if you think you need a higher ceiling, the Black Card could be more interested in you: with a payment ceiling up to € 20,000 per month and a withdrawal ceiling up to € 15,000 per week, it has What to seduce !

What is the price of a Platinum visa ?

Inevitably the prices and conditions of a platinum card are not the same as an ordinary card. A Platinum visa has an average price of € 200 or less than € 17 per month while a mastercard Platinum has an average price of € 220 or € 18. However, you will not find a free platinum card on the market, even with online banks. On the other hand, if you are looking for an alternative to the Mastercard Platinum that is free, good news: the online bank Fortuneo offers its black card, the World Elite Mastercard for 0 € !

A Platinum card nevertheless remains very interesting for its price, For comparison, a black bank card can reach € 300 per year. To find out more about the prices charged, it is recommended to contact your bank directly.

If you plan to open a second bank account, do your calculations well before: between the annual subscription and the obligation to domiciliation of your income, does your financial situation allow you to have 2 bank accounts in different banks ?

If you want to save money, it is more advisable to turn to an online bank. With their free management fees and free bank cards, these are the most attractive offers on the market ! It’s up to you to weigh the pros and cons, with regard to your needs, on the type of bank card to favor.

Platinum card insurance: what you need to know

Subscribe to a mastercard or a Platinum visa gives you access to insurance and assistance for you and your family. These prove to be particularly useful in the event of a trip abroad since they cover your trips from the moment you have set your trip with your Platinum card. Our summary table of insurance and assistance guarantees from a visa platinum card will allow you to see more clearly:

Insurance with Platinum card

• Cancellation, interruption or travel accident insurance,
• Civil liability abroad,
• Flight insurance and rental vehicle damage,
• Snow and mountain insurance.

Assistance with Platinum card

• Medical assistance and repatriation,
• Hospitalization abroad,
• Legal assistance in the event of legal proceedings,
• Assistance if death of the insured

What are the advantages of a platinum card ?

Having a mastercard or Platinum visa may have many advantages which justify income conditions and higher prices than a conventional card. Indeed, having a high -end credit card gives you access to many exclusive services, especially abroad or in the event of an emergency, and payment or withdrawal ceilings above the average. Some banks also have partnerships with brands or brands, get closer to your advisor to find out more.

The strong point of the Platinum blue card remains its concierge service. But what is it ? The Platinum credit card gives you access to a personal assistant who can take care of your reservations for theaters, travel, restaurants, or even child guards ! For that nothing could be simpler: the number is indicated on the back of the Platinum Visa card ! A Platinum bank card is therefore ideal for people playing in the business world or having fairly large income.

Platinum visa: card advantages, prices, insurance and reviews

The visa slogan for its visa platinum card announces: “far from the ordinary”. The Visa Platinum card is a prestige card aimed at privileged customers. What are the advantages and where to find it at the best price ?

�� Presentation of the Visa Platinum card

Updated data in September 2023

Visa offers a wide range of bank cards: Visa Electron, Classic, First or Infinite. The visa platinum card is between the first visa and the infinite visa.

There Platinum visa card Allows you to benefit from significant payment and withdrawal ceilings, more extensive insurance and assistance as well as a personal assistant service. The card holder Platinum visa is also covered by insurance and assistance when traveling abroad.

The most of the Visa Platinum card: the Personal Assistant Visa Platinum The holder of a Visa Platinum card can contact the Platinum service for leisure services.

�� The price of the Visa Platinum card

Where to get the Visa Platinum card at the best price ?

The map Platinum visa is a high-end card between the Visa Premier card and the Infinite visa. It costs on average 200 euros.

Updated data in September 2023

Our selection: the visa platinum card at the postal bank

La Banque Postale offers the visa platinum card with all the advantages: high ceilings, the personal assistant service and guarantees of support and extensive insurance.

By subscribing to the Visa Platinum card at La Banque Postale, the customer will be able to benefit:

• Of a credit option during its payments
• Delayed flow
• Of a blue e-card
• Contactless payment

�� What alternatives to the Visa Platinum card ?

There Platinum visa is offered in few banks and at a high price. However, other alternatives exist to benefit from a high-end card.

Gold Mastercard Fortuneo
0 €/month

Hello prime
5 €/month
Choose

up to € 2,500/30 days

Infinite visa
€ 16.67/month

Updated data in September 2023

Want to enjoy all the advantages of a traditional bank ?
There Societe Generale is at your service !

✔️ 80 € offered + Sobrio 1 €/month for 12 months for a Visa or Visa Premier card

Fortuneo: the free black card card ! Fortuneo is the only bank to offer a high-end card, the Word Elite Mastercard, Free . To take advantage of it, it is necessary to pay at least € 4,000/month on the bank account. Learn more

�� Visa Platinum advantages

Visa Platinum insurance

Bank cards insurance allow card holders to benefit from guarantees on the move: access to the advantages of the Platinum service, suitable payment capacities and reinforced insurance guarantees.

The amount of insurance compensation depends on the bank.

Attention ! To be able to take advantage of insurance, you must have paid for your trip with your Visa Platinum card.

Platinum visa assistance

An insured can benefit from Platinum visa assistance If it is faced with an emergency situation. Only the card holder allows you to benefit from it. Assistance often makes it possible to deal with medical or legal emergencies.

Attention ! Insurance and assistance vary depending on the bank. Before a trip, it is important to consult the brochure of your bank card and/or to contact your bank to find out the details of the guarantees.

A personal assistant at card

On the back of the Visa Platinum card is a phone number allowing the card holder to contact the Platinum service from 9 a.m. to 9 p.m. Monday to Saturday (excluding holidays). This service aims to save time to Visa Platinum customers and be a real daily life assistant for:

• Find concert places, theater
• Invite events
• Advise on outings and make its customers discover trendy places

�� Our opinion on the Visa Platinum card

There Platinum visa card, Between the first visa and the infinite visa, allows its holder to have access to insurance and assistance with extensive guarantees, higher ceilings (knowing that in general, it is defined by the bank). The little extra of this card compared to the first visa and its personal assistant service. However, this card is offered in few banks.

☎️ Visa Platinum Contact

Before Contact visa platinum, It is necessary to identify your need, the concierge number is not the same as that of assistance. Assistance that is divided into two: assistance in the event of loss or theft of the Visa Platinum card and assistance in an emergency as seen above.

Contact Platinum Service

Visa provides holders of the Visa Platinum card different means of contact:

• By Internet: https: // www.visaplatinum.Fr/
• By email: [Email Protected]
• Via application: on Google Play or App Store
• Via the Visa Platinum phone number: on the back of the Visa Platinum card

Contact Assistance Loss or theft of the bank card

When loss or theft of his bank card, the holder has two possibilities for opposition, contact his banking or visa agency:

• If the card has been lost/stolen in France : contact the interbank server at 0 892 705 705
• If the card has been lost/stolen abroad : contact the number of the local opposition center, the list of which is available here
  In the event that the country is not part of the list of assistance number, the default number is that of the United States: +001 303 967 1096

These services are available 24 hours a day, 7 days a week.

Support contact

As seen above, the Assistance contact numbers vary depending on the holder’s bank; For example the number on the Platinum visa card From a client to the postal bank will not be the same as that of the card of a client at Fortuneo.

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Platinum visa card

Thanks to the Visa Platinum bank card, you benefit from many exclusive advantages, wherever you are, in Morocco and abroad.

His advantages ?

• Access to more than 700 VIP lounges in many airports around the world, thanks to the Priority Pass program backed to the map. For more details about this program, visit: Prioritypass.com;
• Assistance 24/7 in the event of loss or flight abroad, by calling the Visa hotline, via the numbers available on: https: // ma.Visamiddleeast.com/FR_MA/PAY-WITH-VISA/FIND-A-CARD/Platinum.HTML;
• 6 Free access to airport salons and lounges in partnership with Loungekey: https: // www.loungekey.Com/Visaplatinmmena.
• Reduction with several partners visible on the site: https: // cihbank.My/Cards.

And many other advantages exclusively reserved for carriers of the Platinum card, to be discovered on our guide.

To find out more about the Visa Platinum bank card, you can contact one of our customer advisers at: 4747.

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• Individuals
• Our offers
• Bank cards
• Platinum visa card

Visa Classic card

With the Visa Classic bank card, you can make all your withdrawals and payments, TPE or online, in Morocco and abroad.

His advantages ?

• Deactivation of a service (withdrawals, payments, etc.) without deactivating the card;
• Personalization and choice of the duration of the ceiling modification;
• Recharge of your loved ones prepaid binatna cards from Gab Cih Bank.
• Real -time consultation of your operations and the characteristics of your card on CIH online / CIH Mobile
• Advantages and discounts at several partners to discover on the site: Cihbank.My/Cards.

To find out more about the Visa Classic bank card, you can contact one of our customer advisers at: 4747.

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Code 30 card

Usable in Morocco and abroad, the Multi -Service Code30 card offers you several features and guarantees you the safety of your withdrawals and payments.
In addition to standard services valid in Morocco, the Code30 card gives you a variety of international services.

His advantages ?

• Modification of the daily withdrawal ceiling, weekly payment and weekly e-commerce;
• Activation / deactivation of E-commerce and tourist allocations;
• Real -time consultation of your operations and the characteristics of your card, by subscribing free of charge to the CIH Online service.
• Blocking / unlocking the card;
• E-commerce payment with all Moroccan and foreign merchant sites accepting Mastercard cards;
• Possibility to choose the visual of the card;
• Advantages and discounts at several partners to discover on the site: Cihbank.My/Cards
• Possibility to digitize the card on CIH Mobile and make payments through CIH PAY

Discover all the advantages on: www.Code30.My/Cards

To find out more about the Code30 bank card, you can contact one of our customer advisers at: 4747

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Go card

The Cobadgé Mastercard-CMI card ” Go »Is a smart, contactless and multiservice monetic card. Secure by a PIN code for withdrawals as well as for payments, it is valid in Morocco and internationally.

His advantages ?

• Removal of currencies from GAB accepting Mastercard cards;
• Advantages and discounts at several partners to discover on the site: Cihbank.my/cards;
• Personalization of withdrawal and payment ceilings from CIH Mobile / CIH Online;
• Activation / deactivation of the Travel and E-Com International E-COM service from CIH Mobile / CIH Online;
• Possibility to digitize the card on CIH Mobile and make payments through CIH PAY

To find out more about the CIH BANK Go bank card, you can contact one of our customer advisers at: 4747.

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• Individuals
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• Bank cards
• Platinum visa card

Mastercard World Elite

The Mastercard World Elite card is a contact -free metal monetic card with national and international validity, secured by a PIN code for both withdrawals and for payments

His advantages :

In addition to the conventional features of a withdrawal and payment card, the Mastercard World Elite offers its bearer to benefit from several services and advantages:

• Free withdrawal from colleagues banks
• Unlimited access to the airports salons and lounges (card carrier + 1 guest).
• Concierge service giving access to several high -end support services.
• Custom reception at Meet & Greet airport: 15% discount on the services of a personal agent (Meet & Greet) for an escort during the formalities at the start, arrived or during a correspondence between two flights in more 470 airports around the world.
• Medical costs cover ceiling following a transport accident: up to 500,000 USD.
• Possibility to digitize the card on CIH Mobile and make payments through CIH PAY

All the advantages are detailed at the “Mastercard World Elite” guide.