How much does a Sberbank card cost? Sberbank VISA cards: overview of conditions and advantages Applying for a card at Sberbank
Content
Sberbank offers its clients instant cards that can be received in their hands in a very short time. Such plastic instruments have a minimal set of capabilities and are positioned as entry-level cards.
What is a Momentum card?
Momentum cards, which are issued by the international payment systems Visa and MasterCard Maestro, are characterized by an entry level. Maintenance of this plastic product is free, so if used correctly, you can avoid additional costs. An instant Sberbank card is issued immediately upon contacting the branch. The payment instrument gives access to some necessary services:
- translations;
- payments;
- manage your account remotely.
Who is the Momentum card from Sberbank suitable for?
Anyone can use a Sberbank instant card. This means of payment is not registered, but has a chip and a special code on the back to protect transactions. Thanks to this set, the owner can pay with a savings card on the Internet. If you want to shop in stores, it will be useful and convenient. It is important that the retail outlet is equipped with devices that read plastic bank cards. However, it is impossible to withdraw funds from this type of plastic without a commission.
Instant credit cards
A Momentum credit card is issued to a person over 21 years of age. The recipient must provide his passport and sign the agreement. The bank claims that you can apply for a financial product at any branch. However, in practice this is not always the case. The release of savings cards is limited, so you may not have enough of them. If this happens and plastic is needed, contact another office of the financial institution.
The instant issue credit card from Sberbank has the following operating conditions:
- A limit of up to 150 thousand rubles can be set on it.
- The grace period during which you can return the money spent without paying interest is 50 days.
- When it is not possible to repay the funds during the grace period, an interest rate is charged on the amount - 18.9% per annum.
- For cash withdrawals from Sberbank ATMs, a commission of 3% of the required amount is charged. The minimum overpayment in this case is 199 rubles.
- If you take money from the devices of other banks, the commission will be 4%. However, you need to be careful as third parties may charge additional interest on the transaction.
- If you are experiencing financial difficulties and cannot repay the entire loan at once, you are allowed to make monthly payments - no less than 5% of the amount spent.
Instant debit card from Sberbank
Sberbank's instant debit card offers customers free service. It is valid for 3 years. After this period, the plastic is reissued. You do not have to pay for this option, and you can cancel it if necessary. Using a Sberbank instant card, you can carry out a number of transactions without commission:
- cash withdrawals from Sberbank ATMs;
- payment of utilities or taxes;
- balance control using online services;
- connecting to the “ ” program to accumulate bonuses;
- payment for goods/services in Russia by bank transfer.
There are probably several plastic cards “hiding” in your wallet. Have you ever wondered how much their maintenance costs? If you do the math, the average person pays for a standard set of bank payment instruments (salary project, credit card, social program, etc.) from 5,000 per year. Agree, the amount is quite impressive. Sberbank takes care of its clients and offers them a plastic product that will cost the person completely free. Interested? Then let's figure out how to open a Sberbank card for free.
Sberbank is trusted by millions of Russian citizens
The Savings Bank of Russia occupies a leading position among the country's financial institutions. This is not surprising, because millions of citizens trust this bank. By attracting customers and creating a reputation, Sberbank offers the population a number of plastic banking products with free service. Let's look at some of them.
Momentum instant card
The Momentum payment instrument is a non-personalized card issued according to an international standard. You can get it in just 15 minutes. in any currency (rubles, euros, dollars).
With Momentum you can perform any banking operations and use the client bank.
This type of plastic is issued from the age of 14. The bank offers Momentum credit cards to verified clients with a grace period for using money of up to 50 days.
Social Maestro
The name speaks for itself; it is a debit card issued for receiving pensions, compensations, and benefits. It has all the main payment options and is serviced free of charge. The balance on the account is accrued at 3.5% per annum, which allows the cardholder to additionally earn a small amount. Maestro is issued to persons over 18 years of age.
Bank card MIR from Sberbank
A novelty in the Russian banking system is the national MIR card. Holders of such a payment instrument receive a full package of services that works only in the Russian Federation. Sberbank issues a free bank card for salary projects, pensioners, and social transfers.
MIR is the national payment system of Russia, which has been issuing payment instruments for use within the country since 2015.
Sberbank may offer Gold class cards to VIP clients for free
For whom cards are opened at Sberbank for free
In reality, anyone can open a card at the Savings Bank for free. It will be electronic instrument Maestro or Momentum. You will have to pay for other products. The bank can offer the following programs free of charge to special clients (VIP):
- premium debit card “Sberbank Premier”;
- Visa Gold credit card;
- MasterCard Gold credit card.
Typically, bank employees notify you of the opportunity to receive a privileged card for free via SMS.
What documents are needed to open a Sberbank card
Opening a card at Sberbank requires providing the following package of documents:
- a copy of the passport of a citizen of the Russian Federation;
- a document certifying the client’s registration in the service area of a Sberbank branch.
You also need funds for the down payment. If a Sberbank credit card is issued, they may additionally require a copy of a certified work record book (certified by the employer) and a certificate of income.
How to open a Sberbank card for free
Now we’ll tell you how to open a card in Sberbank for free. Initially, the client must decide on the type of payment instrument he needs. Next, with a package of documents, a person applies to the nearest branch of the Savings Bank of Russia, where an agreement for servicing the card is signed. If you receive a social card, you will additionally receive a pension certificate. Now there are two scenarios for the development of events.
Sberbank has held a confident first place in the trust rating among banking organizations for several decades. Therefore, people most often turn to this place for loan products. Sberbank offers clients credit cards of various types, so the choice largely depends on the purposes for which the plastic product is opened. There are currently only two credit card payment systems - Visa and Mastercard. MIR Bank does not yet issue credit cards, but promises to launch such a banking product in the near future.
Basic requirements for clients
Credit cards from Sberbank are available to all Russian citizens who are over 21 years old. The maximum age limit is 65 years. Persons above this threshold cannot issue a credit card.
The documents required to issue a credit card are a passport and a certificate in Form 2 of personal income tax. This document is necessary for the bank in order to understand what income a potential client has and whether he will be able to deposit money spent with a credit card on time. if the person applying for a Sberbank credit card is already a client of the bank, it is enough to fill out the form in your Sberbank Online personal account and send it for consideration.
Types of Sberbank credit cards
Today, Sberbank offers individuals the following types of credit cards:
- Gold Visa/Mastercard;
- Classic Visa / Mastercard;
- Premium Visa/Mastercard;
- Aeroflot cards of the Visa payment system: Classic, Gold, Signature;
- Charitable cards “Gift of Life” Visa: Classic, Gold.
All Sberbank credit cards have a number of similar characteristics:
- grace period 50 days;
- validity period 3 years;
- re-issue at the end of the validity period - free of charge;
- late payment interest - 36%;
- service - free;
- interest for cashing out a card at a Sberbank ATM is 3%, but not less than 390 rubles, and 4%, but not less than 390 rubles when cashing out through an ATM of someone else’s bank.
The interest rate, the number of bonuses accrued under the “Thank you” program from Sberbank, the credit limit, and the amount that can be withdrawn from the card through an ATM or at the bank’s cash desk will differ.
For individuals
Individuals can apply for any credit card at Sberbank if they are 21-65 years old and have a stable income. confirmed by certificate 2 personal income tax. Those who receive a salary on a Sberbank MIR card may not have to confirm their income, but rather apply for a loan through their Sberbank Online personal account.
The main plastic credit product of Sberbank is Classic Visa or MasterCard.
- The grace period for it is 50 days;
- The cost of service is always free if the proposal to issue plastic is pre-approved. Free only for the first year, and then 750 rubles for new clients;
- Number of Thank you bonuses awarded by Sberbank - 0.5%;
- The cash withdrawal limit at an ATM is 50,000 rubles; at the bank's cash desk - 150,000 rubles.
By Gold Card Visa or MasterCard the conditions are:
- Grace period: 50 days;
- The limit is 600 thousand rubles for a pre-approved offer and 300,000 for new clients;
- Interest rate - 23.9% or 25.9% per year;
- Number of Thank you bonuses awarded by Sberbank - 5% from each purchase;
Sberbank premium credit card- expensive product. The cost of annual maintenance is 4900 rubles.
- Grace period: 50 days;
- Limit - 3 million rubles for a pre-approved offer and 600,000 for new clients;
- The cost of service is always free;
- The interest rate on the pre-approved offer is the most favorable - 21.9%, for new clients who apply for a premium card - 23.9% per year;
- Sberbank returns 10% from each purchase with bonuses;
- The cash withdrawal limit at an ATM is 10,000 rubles; at the bank's cash desk - 300,000 rubles.
Cards Aeroflot are issued only by the Visa payment system and they cannot be connected to the “Thank you” program from Sberbank, since they are already participating in another promotion. Their holders can accumulate miles.
Classic Aeroflot card from Sberbank:
- Annual maintenance cost: 900 rubles;
- Credit limit: 300 thousand rubles;
- Number of miles awarded: 1 mile for every 60 rubles spent.
- Welcome miles upon opening: 500;
- Interest rate: 23.9% or 25.9%
- Cash withdrawal limit: 50,000 - at an ATM and 150,000 - at a bank cash desk;
- Validity period: 3 years.
Aeroflot Zolotaya cards And Signature They differ in the cost of annual maintenance - 3,500 and 12,000 rubles. Credit limit on card Signature also increased - up to 3 million, for Gold standard - 300 thousand rubles. When registering, 1000 welcome miles are credited to the bonus account, and then 1.5 (GOLD) and, accordingly, 2 miles (Signature) for every 60 rubles spent from the card account.
The cards that participate in the charity event are called “Gift of Life”. They are issued only by the Visa payment system and can be Classic or Gold. The conditions for them are standard:
- 300,000 or 600,000 – credit limit;
- service is free;
- interest rate 23.9% or 25.9% (depending on whether the offer was pre-approved or not);
- You can withdraw from your account, taking into account the commission, up to 50,000 through an ATM and up to 100,000 through a bank cash desk.
But the difference between this card and other Sberbank products is that 0.3% of each purchase goes to the Gift of Life fund.
For students
Students can apply for one of the credit cards presented for individuals from Sberbank, provided:
- they are 21 years old, since credit cards are not issued before this age;
- there is a stable income, which can be confirmed by a certificate in Form 2 of personal income tax, that is, the student is officially employed, or he can obtain a certificate from the employer in the form of Sberbank for a loan;
- receives salary on a debit card issued by Sberbank.
For pensioners
Pensioners can only get a credit card if they are under 65 years old. Sberbank does not provide credit cards to persons over this age. But for pensioners there is a MIR Pension Card, although it is a debit type. But you can use it to receive a pension and accumulate Thank You bonuses, which Sberbank accrues for each spend from the card in the amount of 0.5% of the check amount. The card is issued and serviced free of charge, and you can also apply for a term loan with it at any microfinance organization, since it is registered.
Which type is the most profitable for withdrawing cash?
The cash withdrawal percentage is the same for all Sberbank credit cards and is 3%, but not less than 390 rubles if you withdraw money from an ATM or Sberbank cash desk. And 4%, but not less than 390 rubles, if you use an ATM of another bank or go to the cash desk of another financial institution.
You can talk about which Sberbank credit card is more profitable when considering the issue of withdrawing cash, based on the required amount. So, with Gold or Premium, you can withdraw up to 100,000 rubles for one operation at an ATM, and 300,000 at a bank branch. But with classic, only 50,000 through a self-service device and 150,000 at a branch of a financial institution. It turns out that cashing out a large amount with a gold and premium card is more profitable than Visa Classic or Mastercard Standard.
Which card should I open for use abroad?
Most credit plastic products from the most reliable bank in Russia require identical conditions when used abroad. Therefore, for people who travel frequently, it is best suited Aeroflot card. It provides for the accrual of bonus miles for each flight, which in the future can be exchanged for a ticket or for partner products. Owners of this product also receive medical support while traveling.
The Sberbank card is a fairly popular and well-known banking product in the Russian Federation. Few people don’t have it now, because for most financial transactions it is necessary: money transfers, receiving salaries, pensions, financial assistance. That percentage of the population who does not yet have such an item in their wallet will be very interested in this article. It is about what banking products Sberbank has, about the main differences between debit cards and credit cards and other information about the terms of use, bonuses, services and what documents are needed for registration.
In order to make a Sberbank card, the future user should go to the manager at any branch. Basic requirements for ordering and opening a card:
- age from 18 years (except for the “Youth” card - you can receive it from 14 years of age);
- citizenship of the Russian Federation;
- registration in the Russian Federation.
If all this is completed, then you should familiarize yourself with the list of required documents:
- You must take a passport proving your identity;
- 2-NDFL - on income, for pensioners - from the Pension Office on the amount of the pension;
- at the bank branch you should provide a document that confirms the client’s solvency - work book, contract, etc.;
- document evidencing employment: a copy of the work book, contract, certificate of registration of individual entrepreneurs, etc.
If the client already receives wages on a Sberbank card, information about work activity does not need to be provided. This simple procedure takes from 3 to two weeks. The only exceptions may be personalized products and products with a unique design. But before asking questions about documents, conditions for obtaining a Sberbank card, and how to make one, you need to select a product according to the requirements in accordance with subsequent operation, and ask how much it costs.
The assortment at Sberbank of Russia is very large, let’s consider the types of new banking products:
- Debit – allow you to receive funds into your account, send, forward, and make non-cash payments for goods. These include a Sberbank salary card.
- Credit – they have the user’s personal funds, as well as the amount of the bank’s money – a credit limit that must be repaid on time. The principle of operation is the same as with a loan: you took the money and repaid it on time. Otherwise, a penalty will be charged to the card account.
- Individual - essentially this is a Sberbank debit card with an original design with an additional payment for a unique style. You can order such a Sberbank card online through the website.
- Salary is also considered a debit, which is ordered by employers to transfer funds to employees.
The most requested debit product of the bank is the Sberbank Maestro salary card of the MasterCard and Visa systems. Company employees are not often interested in how to obtain this product. As a rule, they are issued by employers for their employees free of charge through an agreement with a bank. Each of them has its own characteristics and limitations. If a user often buys goods online, it will be more profitable for him to use the Visa system product.
In addition to the salary “Maestro”, there are also 2 types of it:
- Sberbank “Social” debit card for citizens of the country who receive state financial assistance and for pensioners;
- “Student” of Sberbank of Russia for students and graduate students.
Such goods are ordered to pay for products by bank transfer, cash out at an ATM and store funds.
If the user needs banking products with a wider range of activities, and he knows how to open a card, then he should create a request for the creation and issue MasterCard Standard or Visa Classic products. They are very convenient when traveling abroad. When paying with them, withdrawing money from any ATM that supports Visa and MasterCard payment systems of different countries abroad, it does not matter what currency the funds are in, the bank independently converts rubles into the currency that is needed. With them you can quickly make any purchases on the Internet.
They also exist in privileged versions with the Gold mark. They differ not only in terms of use, but also in appearance. These ordered cards have a striking appearance, thereby confirming the status of the owner. With this card, in many stylish stores, the client can expect significant discounts on purchases of expensive goods. Having received this Sberbank card, its maintenance per year will cost 3,000 rubles, but taking into account all the advantages and benefits, the cost can be neglected.
For bank users who often use airline services, there are “Visa Aeroflot Classic” and “Visa Aeroflot Gold”. By paying the cost of a ticket through these systems, the client receives bonuses into his account, for which he can purchase a plane ticket. And for lovers of art, in particular theaters, you should apply for a Sberbank Visa Classic “Golden Mask” card - this product allows you to get good discounts on tickets, there is a system for accumulating bonuses and the opportunity to participate in promotions.
Price
Sberbank bank cards are available free and paid. You can get a card from Sberbank “Maestro Momentum” absolutely free of charge. You will have to pay to use it only for an extract about extreme operations, the cost is 15 rubles.
“Social” is also done for free. Expiration date – 3 years from the date of registration. All operations are free of charge.
“Student” will cost the student 150 rubles per year. Statements, as with Momentum, cost 15 rubles.
You can get a Sberbank Visa Electron and Maestro card for 300 rubles. per annum for service. If such a card is lost for some reason, you can suspend its validity absolutely free of charge. All elite products, such as "", "Aeroflot", "Golden Mask", "MasterCard Standard" and others, in the year of opening - 750 rubles, then 450 rubles per year. You can ask the bank or online how much any other product you are interested in costs.
Cost of servicing credit cards:
- MasterCard / Visa Gold – up to RUB 3,000.
- Classic Momentum visa – 0 rub.
- MasterCard Standard Momentum – 0 rub.
- MasterCard / Visa Standard / Classic – up to 750 rub.
- Visa Gold / Classic “Gift of Life” – up to 3,500.
The price of registered products depends on credit history and other factors. It makes shopping and money transfers from abroad much easier. With such a card, you do not need a four-digit password; instead, you need a passport proving your identity.
A Sberbank personalized card is issued in the same way as any ordinary Sberbank credit or debit card. It can be done by every citizen of the Russian Federation who has reached the age of majority. Documents you will need are a passport, income certificate, application and a copy of your work book. This card can also be ordered online. When registering, you just need to indicate to the manager what kind of design is needed. It can be very diverse. It will take up to two weeks to issue an individual card with the owner's name embossed. Due to the fact that it has auxiliary degrees of protection, it will cost more than ordinary ones.
Design features of virtual cards
At Sberbank you can make a virtual card over the phone. To do this, you need to call the bank's support call center. Such a card is issued if the person who wants to issue it is already a bank client - he has a debit card with additional connected services, such as Sberbank Online and Mobile Banking. Upon completion of the card registration, the manager will call the virtual card number, and a CVC2 code will be sent to your phone via SMS. This Sberbank bank card is issued for making payments. Its service is paid from a debit card - 60 rubles. in year.
Additional services for cards
Sberbank is a bank that cares about its customers, and various services are created for the convenience of using banking products. These include “Mobile Bank” - a system with which you can track your money transfers and transactions. An SMS message arrives on your phone. This is a paid service, which is best connected immediately after issuing a card.
A distinctive feature of Sberbank is the widest selection of credit and debit cards. Each of them has its own characteristics in terms of functionality, conditions of use and maintenance. In order not to encounter unexpected debits from your account during use, you should clarify in advance how much it costs to make a Sberbank card, the cost of issue and further maintenance.
Types of plastic cards
Among all the variety, the following types of product stand out:
Registration procedure
The procedure for issuing any card is extremely simple, and the time frame is minimal. Sberbank provides a new card upon request of any client within 3-14 days.
The exception is the release of personalized products and the use of individual designs.
To receive a debit card, 2 visits to the nearest Sberbank branch are enough. Requirements for clients are democratic: citizenship of the Russian Federation or another state, age over 18 years, registration in the Russian Federation. The issue of receipt for persons without permanent registration is decided by bank employees on an individual basis, taking into account the specific situation.
- The application for issue is filled out at any bank branch.
- When submitting an application, an identification document must be presented.
- The branch employee either issues the card immediately or informs you of the time frame for receiving it.
- A bank employee at the specified contact phone number notifies you that the card is ready by call or SMS.
The procedure for obtaining credit cards differs in terms of consideration of the application, an expanded package of documents confirming the client’s income and more stringent requirements for borrowers.
How much a personalized Sberbank card costs depends on the type of card, the availability of a credit line and other options. Using a personalized card, the client has the opportunity to make payments during trips abroad, withdraw cash, and top up his account. A special feature of the personalized product is the ability to pay in stores without entering a PIN code.
To make payment, you will need to present your passport. Additional cards can be registered on one card account, allowing loved ones to use a common card when depositing and withdrawing cash. Using a personalized card requires presentation by its owner, whose name is indicated on the card. When an additional card is issued, the name of the other holder is entered in the corresponding Cashholder field.
Replenishment
The issue of replenishing a card account is solved in several ways. The holder can choose any most convenient method:
- deposit via terminal/ATM;
- deposit through a cash desk at a Sberbank branch;
- transfer from another card (debit) issued by Sberbank or another credit institution;
- electronic transfer from another card/account of the holder using the Sberbank Online system.
When replenishing cards with a credit line in order to repay a loan (full or partial), you should worry in advance about the time frame allotted for crediting funds to the credit account. Since the money arrives in your account with a slight delay, it is important to make payments in advance to avoid late payments on the loan.
How much does it cost to get a Sberbank card?
Most types are issued by the bank free of charge. However, you will have to pay 500 rubles to create an individual design. Significant differences are in the cost of annual maintenance. Tariffs can vary from 0 to 15,000 rubles depending on the type of payment system used, product category (classic, premium) and special conditions provided to cardholders.
Cards with free service
When ordering a new plastic card of the following types, the service will be free:
First year service fee
How much a Sberbank card costs for annual maintenance depends on its capabilities and the benefits provided.
Up to 1000 rubles The following cards will cost an annual fee:
- debit cards of the Mastercard payment system (Standard, Virtual, Maestro);
- debit cards of the Visa payment system (Classic, Electro, Virtual);
Details on the service tariff can be found on the bank’s official website or from a specialist at the branch.
Advantages and benefits of different types of cards
The higher the cost of servicing the card, the more benefits it provides:
- Banking products Momentum(MasterCard Standard, Visa) allow you to operate in three main types of currencies, as well as take advantage of bonuses and discounts provided by Sberbank’s partners.
- Visa Platinum/Premier with an annual fee of 4.9 thousand rubles allows you to use various discount programs, participate in promotions, receive bonuses from bank partners, use the service of purchasing airline tickets, railway tickets, and pay for tourist services.
- Aeroflot Visa Classic with a subscription service of 900 rubles, you can freely purchase plane and train tickets.
- Aeroflot Gold (Visa Gold) are serviced by Sberbank for 3.5 thousand per year. The card has the same functionality as other Gold cards.
- Contactless card (Visa Classic/Mastercard Standard) allows you to accumulate and use bonuses from partners, participate in promotions, and receive discounts on products with an annual service of 900 rubles.
- Virtual card Visa/Mastercard used only for payments in rubles. Service costs only 60 rubles. At the same time, the owner does not have the opportunity to use bonuses and participate in promotions
Features of using a social card
Plastic card issued with support for the Mastercard payment system "Social" has a number of advantages:
- Cash withdrawal and replenishment at Sberbank ATMs and self-service devices.
- Non-cash expense transactions (transfers to individuals, payments to legal entities, payments for housing and communal services, loan repayments, setting up automatic payments).
- Using the Sberbank Online Internet service to carry out various calculations.
- SMS notifications about debits and deposits made using Mobile Banking.
- Receiving income on the account balance at the rate of 3.5% per year.
For clients who care about how much it costs to get a Sberbank card, this type will be the best option, because... issue and servicing are provided by the bank free of charge. Validity period: 3 years.
The card is designed for transactions with rubles. The owner can be any adult citizen of the Russian Federation and other countries with permanent or temporary registration, as well as any individual receiving pension payments. The age of the owner of an additional card has been reduced to 7 years, subject to the written consent of parents, guardians, and other adult representatives of the child’s interests.
How much does the Sberbank Youth Card cost?
The card can be issued by two payment systems: Visa and Mastercard. Any citizen no older than 25 years can become a holder.
The release of this banking product allows:
- pay by non-cash method;
- replenish your account through bank terminals/ATMs, receive transfers from parents via SMS, Sberbank Online, mobile application;
- receive a scholarship or salary (to organize transfers, it is enough to provide the card details to the accounting department);
- transfer of scholarships from cards issued by other issuing banks.
Card maintenance is only 12.5 rubles per month, which is significantly lower than other plastic cards. The holder can take advantage of the opportunity to participate in various affiliate programs, accumulate bonuses when paying for purchases by non-cash method, and participate in club promotions.
Availability and reliability are the fundamental features of all cards issued by the Savings Bank. The range of products is so wide that it covers all the main areas of interest of clients, borrowers, and buyers. Studying the conditions of issue and further use guarantees Sberbank clients maximum comfort when conducting financial transactions.
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