Gold card master card. Credit cards of Sberbank Mastercard and Visa Gold
The popularity of Sberbank's classic and gold debit cards in particular is due to the fact that this type makes it possible to take advantage of all the benefits of banking services remotely, and also provides a number of bonuses.
Pros and Cons of Gold Debit Cards
Gold status cards are created to highlight their holders, indicate a special social status. Gold level cards have both advantages and disadvantages.
Gold Debit Card Benefits
Advantages:
- accounts are usually opened in one of three currencies. This is either the Russian ruble, or the American dollar, or the euro;
- card forms provide contactless payment for Mastercard and Visa, as well as Apple Pay, Samsung Pay, Google Pay;
- usually the issuer offers free SMS information on all movements of funds on the account;
- freedom of payment in any part of the world at any outlet working with cashless payments, in any currency at any time of the day;
- the ability to make online purchases;
- increased limits for transactions, including cash withdrawal;
- security of operations provided by the corresponding three-level security system;
- lack of need to declare funds when traveling abroad;
- access to shares arranged by the relevant payment system;
- obtaining a minimum list of medical services during trips abroad;
- access to VIP lounges;
- the possibility of booking a hotel room by phone;
- most banks offer the issuance of additional cards to the main ones. Additional cards are given all the privileges intended for the main one.
When using a particular card in Russia, its advantages are determined, to a greater extent, not by the payment system, but by the policy of the financial and credit organization that issued it.
Gold Debit Card Issues
The main disadvantages of cards with a golden status is that the privileges granted to their holders are best manifested only when traveling abroad, and also that various preferences (bonuses and discounts) can be obtained only in premium stores.
Other disadvantages:
- short validity of the card form - more often it is 2 years;
- expensive ownership - from 3,000 rubles per year for the main card form, from 2,500 rubles for each additional;
- reissue is often paid.
Benefits of VISA Gold Cards
- discounts, gifts and special treatment from friends of the payment system;
- 50% discount on the purchase of a Priority Pass loyalty card, and some issuers provide it for free;
- reliable protection level 3D-Secure - Verified by Visa;
- support in the mother tongue in emergency situations related to health and legal incidents;
- GCAS - emergency support in case of loss of a card (its blocking, re-issuance, one-time issue of an amount within $ 5,000).
Benefits of MasterCard Gold Cards
- three-level system for protecting operations on card accounts Mastercard SecureCode;
- the “Priceless Cities” award program, which helps to find the most interesting places during travels and to receive various preferences when visiting them;
- money transfers in the social networks Odnoklassniki and VKontakte.
Sberbank Gold Debit Card
Sberbank elite cards are cards:
- WORLD Gold;
- MasterCard Gold and Visa Gold;
- Aeroflot Visa Gold.
What is the difference between a gold card of Sberbank and an ordinary one
Gold cards of the bank from the classic differ in the following:
- gold status is a more expensive annual service;
- premium card forms have the appropriate appearance;
- increased transaction limits;
- special services, expressed in the accelerated reception of calls to a multi-channel telephone line;
- more significant bonuses under the program "Thank you!";
- free cash withdrawal in case of emergency;
- if the card form is compromised, an urgent reissue is free;
- open access to premium programs of Visa and MasterCard payment systems for Gold;
- free "Mobile Bank".
The increased coefficient used when calculating “Thank you” bonuses for premium customers is also valid for purchases abroad.
Opportunities for Sberbank Gold Card
A significant advantage of the products of this bank is thought-out and affordable customer support, implemented through:
- wide ATM network;
- round-the-clock support by multi-channel number 900;
- internet banking "Sberbank online";
- mobile application;
- mobile banking.
The daily limit for free cash withdrawal is 300,000 rubles, and the monthly limit is 3,000,000 rubles. Sberbank gold cards are easily tied to electronic wallets, for example, Yandex.Money or Webmoney. Planned emissions are free. Individual design for such products is not provided.
Cash withdrawal in offices and cash desks of third-party banks - 1.25%, but within 30 - 1,000 rubles.
Sberbank Gold Card: discounts in stores
Sberbank implements a bonus program "Thank you!" . According to its conditions, holders of gold cards receive up to 5% cashback, which can be paid in bank-friendly stores. It is also possible to get up to 20% discounts by bank transfer from partners of the bank.
Golden card of Sberbank “Give life!”
According to the terms of the product “Give life!” 0.3% of each check goes to charity, to the “Give Life!” Fund.
Card currency - exclusively Russian ruble. The validity of the card form is 3 years.
Gold card of Sberbank WORLD
The MIR card is designed to work in the domestic market. The form is protected against counterfeiting by a hologram, an integrated chip, and supports contactless payment technology.
The form is valid for 5 years. You can connect the transport application. Emergency cash disbursement is not provided.
There is the possibility of issuing within the framework of salary projects, according to which the service fee can be paid by the employer.
Among the shortcomings of the card are the impossibility of payment:
- telephone
- abroad;
- in online stores that do not accept this type of card.
MasterCard Gold and Visa Gold
MasterCard Gold and Visa Gold card accounts are opened in US dollars, euros or Russian rubles. The form is valid for 3 years.
If you apply for the issue of MasterCard Gold and Visa Gold before 12/31/2019, you will receive a 50% discount on the payment of the first year of ownership.
Aeroflot Visa Gold
The main advantage of the Aeroflot series is access to participation in the corresponding air carrier program. For every 60 rubles spent, 1.5 bonuses are awarded. When opening an account, 1,000 welcome miles are presented. The reward can subsequently be used to pay for tickets for flights of Aeroflot and its partners.
The form is valid for 3 years. The account can be issued in Russian rubles, US dollars or in euros.
How much is the annual service of a gold card of Sberbank
The cost of using cards differs slightly depending on their type:
- "Gift a life!" - 4,000 rubles in the first year of ownership and 3,000 for each subsequent year. Additional card - 2 500 rubles;
- WORLD Zolotaya - 3,000 rubles for the primary and 2,500 rubles for each additional card;
- MasterCard Gold and Visa Gold - 3,000 rubles ($ 100 or 100 euros) and 2,500 rubles ($ 75 or 75 euros) for the primary and secondary cards, respectively;
- Aeroflot Visa Gold for the main card - 3,500 rubles ($ 120 or 120 euros) and 3,000 rubles ($ 100 or 100 euros) for an additional one.
How to get a gold card of Sberbank
A gold card of Sberbank is received in any of its branches. They issue emissions both at the bank’s office, and on the website or in the application.
Upon receipt of the form, it is important to present a passport. If the card must be picked up by another person, a power of attorney is written out in his name. He is also required to present a passport.
The product is available to citizens over 18 years of age. Additional cards, with the consent of the legal representative, open from 7 years of age.
Alfa Bank Gold Debit Card
In Alfa Bank you can find 3 options of Gold level cards.
“Alpha card” MasterCard Gold or Visa Gold is:
- free annual service;
- cash withdrawal at any ATM without commission;
- cashback up to 2%;
- remote services - Internet banking, mobile application;
- up to 6% per annum on the balance of the account.
Aeroflot-Bonus MasterCard Gold card is:
- 1,000 welcome miles;
- 1.5 miles “Aeroflot Bonus” for 60 rubles ($ 1 or 1 euro) and 1 mile for every 200 rubles ($ 30 or 30 euros) on the account “AeroPlan”;
- the use of bonuses for the calculation of air tickets, hotels, when renting a car;
- the ability to replace economy class tickets with business class;
- annual maintenance - 2,500 rubles.
"Russian standard"
At Russian Standard Bank branches, they accept applications for MasterCard Gold and Visa Gold cards.
Benefits:
- the balance of the account is charged up to 5.5% per annum;
- an additional card is provided and served free of charge;
- there is a cashback of up to 15% of the bank’s partners and 5% of 3, selected from 7 available, purchase categories, as well as 1% for other expenses.
Disadvantages:
- when withdrawing cash from other banks, the commission will be 2% (at least 100 rubles), and with an amount of more than 500,000 rubles - 3%;
- card issuance and its maintenance, depending on the chosen tariff - 3,000 rubles per year or 299 rubles per month.
LokoBank
In “LokoBank” you can get cards as Visa Gold, and MasterCard Gold.
Benefits:
- cashback up to 5%;
- account maintenance fee - 0 rubles;
- free SMS informing;
- interest on the account balance is charged - up to 7% per annum;
- free issue of 1 additional card.
Disadvantages:
- it is imperative to comply with the requirement of a minimum minimum balance of funds in the account in the amount of 20,000 rubles;
- withdraw cash in the apparatus of other financial institutions - 1% (minimum 100 rubles);
- limited network of self-service devices.
HomeCredit Bank
HomeCreditBank customers can use Visa Gold and MasterCard Gold cards.
Benefits:
- 0.2% per annum is credited to the account balance daily;
- the card can be obtained from the age of 14;
- cashback up to 8% of partners of the bank.
Disadvantages:
- SMS package - 1.5 euros or 1.5 US dollars per month;
- Visa Gold is provided with an account only in US dollars, and MasterCard with an account in euros;
- commission for receiving cash in third parties - 3 US dollars or 3 euros;
- card issue - 25 US dollars or 25 euros.
Russian Agricultural Bank
Russian Agricultural Bank has developed a Visa Gold Track card. It is also possible to draw up a card of this level as part of the salary project or the “Personal” tariff plan. In the latter case, maintenance will cost 2,000 rubles per year.
Benefits:
- validity period - 3 years;
- the commission for issuing a card, including an additional one, is 299 rubles. Held 1 time;
- there is a Harvest loyalty program that allows you to receive discounts and cashback in the form of bonus points that can be exchanged for surprises from the special catalog, as well as for paying for tickets (air and rail), for car rental and hotel payments;
- in the first 2 months of use, when calculating bonuses, a coefficient of 2 is applied.
Disadvantages:
- the minimum turnover on the “Travel” card account, when active users are serviced for free, is 50,000 rubles. Otherwise, ownership of the product will cost 300 rubles per month;
- cash withdrawal from other banks or their self-service devices - 1% (minimum 100 rubles).
"St. Petersburg"
A Gold card at Saint Petersburg Bank is issued as part of the MasterCard and Visa payment systems.
Benefits:
- servicing of major salary project cards is free;
- free insurance when traveling abroad.
Disadvantages:
- service (for 1 year of ownership) - 3,000 rubles, if the card is issued for settlement on a loan, then 1,500 rubles;
- each additional card will cost 1,500 rubles for 1 year of use;
- in case of technical debt, the commission will be 0.1% per day.
Vanguard
Avangard Bank issues MasterCard Gold and Visa Gold cards.
Benefits:
- with an average monthly turnover of more than 20,000 rubles, service is free;
- card validity period - 3 years;
- free internet banking.
Disadvantages:
- if the requirement of average monthly turnover is not satisfied, annual maintenance will cost 3,000 rubles ($ 150 or 150 euros);
- there is insurance for travelers abroad, but it provides for additional payment.
"AK Bars"
Ak-Bars offers to issue only MasterCard Gold.
Benefits:
- 5% per annum is charged on the account balance of more than 500,000 rubles. If the specified parameter is in the range of 100,000 - 500,000 rubles - 3%;
- it is possible to pay for travel with a card at a discount in public transport in some cities of the Republic of Tatarstan;
- discounts and bonuses from more than 300 partners of the bank;
- free SMS informant and online banking.
Disadvantages:
- it is a regional bank whose customers use the most favorable terms of service only within the Republic of Tatarstan. Ak-Bars has partners in other entities, but there are relatively few of them;
- validity of the card form - 2 years;
- commission for receiving cash at cash desks and machines of other organizations - 1%;
- annual maintenance - 3,000 rubles ($ 60 or 60 euros);
- each reissue - 3,000 rubles.
"Eastern Express"
The bank "Orient Express" offer "Card number 1". This is Visa Gold.
Benefits:
- the cost of ownership is minimal - 99 rubles for 1 month;
- there is the possibility of issuing an additional card, including a children's card;
- cashback - up to 40% for purchases in online stores and up to 5% for cashless payments;
- up to 7% per annum are credited to the account balance.
Disadvantages:
- reissue for any reason is paid - 1,500 rubles;
- the initial issue costs 1,500 rubles. An additional card is provided free of charge.
Raiffeisenbank
You can order MasterCard Gold and Visa Gold at Raiffeisenbank.
Benefits:
- the bank has many partners in Russia and in Europe, which reduces the costs of its customers abroad;
- free SMS notifications and online banking;
- 5% cashback at gas stations;
- free insurance for all family members of the cardholder from AlfaStrakhovanie OJSC when traveling abroad;
- up to 4 additional cards are issued;
- more than 4,000 partners of the bank give discounts up to 30% to its customers;
- priority service at the issuer's offices;
- priority Pass card is provided free of charge, providing access to the airport business lounges.
Raiffeisenbank MasterCard Gold holders even abroad, if they turn to the devices of banks belonging to the Raiffeisen Bank International group, can withdraw cash free of charge.
Disadvantage: the card service fee is 3,500 rubles (3,000 rubles for each additional).
The Renaissance
Bank Vozrozhdenie can provide both a Visa Gold card and a MasterCard Gold card.
Benefits:
- the cost of servicing both products is 2,500 rubles ($ 70 or 70 euros) for 1 year;
- there are several options for issuing cards, including for participants in salary projects. For the latter category, service is free. If the participant of the salary project issued an additional card, then he will pay 750 rubles per year for it.
Disadvantage: the tariffs say that reissuing a card, regardless of the reason, costs 3,000 rubles ($ 100 or 100 euros). For participants of the salary project, the service is free.
Bank of Moscow (VTB)
Bank Moscow offers exclusively MasterCard Gold cards.
Benefits:
- low cost of servicing the main card - 2,500 rubles ($ 45 or 40 euros), as well as an additional card - 1,250 rubles ($ 25 or 20 euros);
- it is possible to activate the “Deposit” tariff plan, then it’s enough to pay 600 rubles ($ 11 or 10 euros) annually for owning a main card, and for a supplementary card - 2 times less - 300 rubles ($ 5 or 5 euros);
- the presence of more than 330 self-service devices of partner banks in Russia and abroad.
Disadvantages:
- paid SMS informing - 50 rubles ($ 1 or 1 euro);
- the validity of the form is 2 years;
- in accordance with the tariffs, under certain conditions, cash may be paid.
The bank withholds an additional fee for maintaining the account. Depending on its currency - 600 rubles, $ 11 or 10 euros.
Gazprombank
Gazprombank issues 4 types of Gold level cards:
- Visa Gold;
- MasterCard Gold;
According to the tariffs, the cost of owning a gold card will cost 3,500 rubles per year. This amount is deducted for each additional card, and for reissue of each form at the end of its validity. You can save in two ways:
- refuse additional services for insurance traveling abroad. Then the price of ownership will be reduced to 2,800 rubles;
- order a reissue of the card due to the loss of the form or its damage, as well as due to problems with the PIN code. Then the service will cost 1,800 rubles.
Benefits:
- there is the possibility of issuing an additional card;
- a wide selection of specialized products. For example, a Gazprombank - HC SKA card MasterCard Gold gives the holder 10% discounts on the purchase of tickets for HC SKA matches and their branded goods on the club's website;
- under certain conditions, it is possible to get up to 2% of cashback;
- traveling abroad, an insurance policy from SOGAZ JSC is provided free of charge with a coverage of $ 100,000. Its validity period coincides with the validity period of the card.
Disadvantages:
- the validity period of card forms is 1 or 2 years. Then you need to issue a reissue;
- when receiving cash in the devices of third-party banks, the commission will be 1.5% (at least 150 rubles). Service at branded ATMs is free;
- small cash withdrawal limits - 200,000 rubles ($ 3,200) per day or 1,500,000 rubles ($ 24,000) per month.
Best Premium Cards 2019
The best gold cards of banks are products:
- Sberbank, which has a developed network of representative offices and self-service devices, providing the widest range of preferences;
- Raiffeisenbank, which has close ties with European financial and credit institutions, which is beneficial for those who often travel to Europe;
- Ak Bars. The card is interesting to residents of the Republic of Tatarstan;
- Russian Agricultural Bank, aimed at those who prefer non-cash payments and make large amounts of them;
- Gazprombank designed for hockey fans and those traveling in East Asia.
Updated: December 2019
Modern society does not imagine its life without plastic cards. Sberbank of Russia offers its customers a variety of products.
We will figure out what Sberbank's gold credit card is, how it differs from others, and consider the basic conditions for its use.
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What it is?
First of all, such a card is a premium product, emphasizes the high status of the owner, his solvency and solvency.
Banks issue gold cards only to trusted and conscientious customers.
Credit gold cards have all the functions of standard Sberbank plastic cards, but at the same time give some advantages to their owners:
- Service in the contact center of Sberbank around the clock.
- An opportunity to withdraw money from a credit account in case of loss of a credit card abroad.
- The ability to conduct operations on the details of the card (email or phone).
How to get a gold card?
Any citizen can independently order registration.
To receive a debit card, the applicant must be at least 18 years old and have registration in the Russian Federation.
The conditions for obtaining a credit card are slightly different:
- Citizenship of the Russian Federation.
- Age from 21 to 65 years.
- Permanent or temporary registration in the territory of the Russian Federation.
You won’t be able to get an online card, you can only submit an application on the Sberbank website, indicating passport details and phone number, after which a bank employee will contact you for a detailed survey.
The decision to issue a credit card is preliminary.
The card itself is issued only after contacting the bank branch, where it is necessary to fill out and sign the application form.
Together with the questionnaire, you will need to provide a passport, a certificate of financial condition and a document confirming employment.
Within 2 business days you will be notified whether the card is approved for you.
Often, banks themselves offer gold cards on special conditions to customers who satisfy them. Such conditions are more advantageous.
You can get free services, lower credit interest or increased limits.
You may be offered a pre-approved card under special conditions if:
- You are the owner of a “salary card”, that is, you receive a salary or pension on a Sberbank card.
- Do you have a debit card or deposit with Sberbank.
- You took and successfully repaid a loan at Sberbank; in general, you have a positive credit history.
Terms and Rates
Gold card is debit and credit, in addition, it differs by payment systems.
Visa Gold is more common than MasterCard. But abroad it is more profitable to use the Master Card, as it has fewer additional commissions.
Mastercard VISA
For discount programs and privileges for premium cards, see the sites of payment systems. The rest of the relevant information for 2017 is collected in the tables below.
Debit
Credit
After you have studied all the conditions for using a gold card, I would like to focus your attention on the main points.
Receive and Activate
The production time for a card depends on the region of the applicant and many other factors. Usually it is done in 7-21 days.
To receive you will have to come to the office. Upon delivery, you must verify that your name and surname on the card are correct, and put a personal signature on the back of the plastic.
The new card is blocked, the bank employee must activate it in the banking base.
A day after that, you can start using it.
How to use?
Pay with a credit card for goods and services. At the end of the month, the bank will generate a report on the funds used, after which you can pay off the debt within 20 days, or pay interest, and leave the debt for the next month.
The minimum payment depends on how much you spent and what interest rate your card has.
If it’s difficult for you to navigate, there are special sites on the network where you can enter the rate of your credit card in a calculator and payments will be calculated.
The Bank provides the following payment methods.niya:
- Bank transfer from debit card and from other accounts.
- Cash deposit at a payment terminal or ATM.
- Through the services "MasterCard MoneySend" and "Visa Direct".
- Replenishment of a card in a Sberbank branch with the help of an employee.
You can find out how much money is on a gold card by requesting a balance through a mobile bank, at a terminal or ATM, as well as through Sberbank Online.
If you decide to stop using a credit card, you need to pay off all debt and contact the Sberbank branch to close the account.
Grace period
The so-called grace period during which you can use the funds for free is from 20 to 50 days. Each card has a reporting date - the day on which the money spent per month is calculated and interest is calculated. After the reporting date, a new reporting period begins.
Within 20 days from the end of the reporting period, the client can fully repay the debt for the past month and he will not have to pay interest. If you make transactions at the beginning of the reporting period, the period of the interest-free period will be longer, if at the end - less.
These conditions apply only to cashless payments.. If you want to withdraw cash, as well as when transferring funds to other accounts, interest will be charged from the moment of transfer.
Loyalty programs
Gold credit card can participate in the “Thank you from Sberbank” loyalty program. To do this, you need to connect the program at an ATM, Sberbank Online or through a mobile bank.
The program is a cashback.
- When making any purchases and payments by card, bonuses in the amount of 0.5 to 50% of the purchase amount will be awarded to you.
- The points obtained can be partially or fully paid for the price of the goods from a partner of Sberbank at the rate of 1 point \u003d 1 ruble.
You can use bonuses within 36 months from the moment they are received.
In the end, I would like to list all the pros and cons of owning a gold card of Sberbank ↓
If the cards of the “classic” and “standard” categories have ceased to satisfy your needs, if you have a need for a status card with a large limit, which you can pay both in Russia and in other countries, and if its shortcomings do not scare you, then MC and Visa Gold are right for you.
31.08.2017 0
Sberbank of Russia is one of the largest banks in the country. Today, his clients use a large number of banking services of various kinds. However, the most popular is the design of a plastic card to pay for goods and services of various values. The Sberbank Gold Card (Gold Visa, MasterCard) deserves special attention - what is it, what are its positive and negative sides? We offer to understand these nuances in more detail.
Visa Gold from Sberbank - what is this card?
A large number of users are wondering what is the gold card of Sberbank, what are its characteristics and how is it beneficial for the owner.
Well, you should start with the fact that it belongs to the category of "elite". Sberbank offers a Gold Card to far from every user, but only to respectable borrowers and active investors.
A gold card is beneficial for several reasons:
- In the Contact Center of Sberbank, it is serviced around the clock.
- Due to the electronic chip, the money on the card is well protected.
- If lost, it can be restored from any country in the world.
- A gold card can participate in the “Thank you” bonus program from Sberbank.
- It is possible to connect the "Auto Payment" function.
- If necessary and want to control the flow of finance, you can use the services of the Sberbank Online and Mobile Bank systems.
- Sberbank gold card holders can participate in privilege and discount programs conducted by MasterCard and Visa.
- There are several ways to fund your account.
- With such a card, you can pay for services and purchases not only within Russia, but also far abroad.
The logical conclusion is that this card is suitable for those who travel a lot around the countries of Europe. A gold card of Sberbank anywhere in the world will allow you to get a discount on hotel accommodation, food in restaurants, airline tickets and other services.
Sberbank Gold Credit Card
A bank credit card allows you to use not only your personal funds, but also borrowed funds. Along with that, all privileges that this or that type of used product possesses remain valid.
Sberbank Credit Gold Card (Gold Visa, MasterCard) - what is it?
Today, Sberbank issues four varieties of gold cards. It:
- masterCard Gold card.
- visa Gold card.
- gold visa "Give life."
- gold visa Aeroflot.
And they are used on the following conditions:
- the maximum loan amount may be 600,000 rubles;
- interest rate does not exceed 33.9%;
- the duration is three years;
- the grace period is 50 days;
- connection of Mobile Banking services is free of charge;
- the price of annual maintenance costs 3,500 rubles.
The main difference between them is that the MasterCard and Visa systems are distinguished by bonus programs and privileges. For example:
- aeroflot Sberbank Visa Gold credit card allows you to make profitable purchases and accumulate miles that can be exchanged for airline tickets to this company;
- “Give Life” Visa Gold card involves the transfer of funds to a charity fund. As a rule, the contribution is 0.3% of the funds spent by the user.
How to get a gold credit card?
In order to get a Sberbank credit card, you must meet the requirements:
- age should not go beyond 21 - 65 years;
- have a residence permit in that region;
- work experience cannot be less than a year, and at the last place of work - at least six months.
The questionnaire is filled out both at the bank branch and online. However, in any case, you will need to come to Sberbank and provide:
- passport of a citizen of the Russian Federation;
- certificate issued in the form of 2-personal income tax;
- a copy of the work book.
The submitted application form will be considered within two business days. And the maximum possible credit limit and the interest rate on it, the lender determines individually.
To receive the largest amount at a loyal percentage can only:
- holders of salary cards;
- bona fide borrowers
- active contributors.
Along with that, the past credit history, together with the monthly real income, is necessarily studied.
What does a Visa Gold card provide?
Having a Sberbank gold credit card, all standard options are opened in the form of the ability to pay for goods in all stores in Russia, abroad and in the Internet space. In the case of overseas purchases, conversion to euros and dollars is automatic.
You can withdraw money from a Sberbank gold credit card at ATMs of any bank. The commission of the native Sberbank is 3%; ATMs of other banks will charge 4% for cashing out.
The limit for withdrawing cash from Sberbank's gold credit card is 300,000 rubles per day.
The grace period for using a credit card is 50 days. During this time, you can return the entire amount taken without paying interest. However, this does not apply to cash withdrawals. It is characteristic that it is possible to withdraw credit funds from a gold card even if it is lost (in Russia or abroad).
Pros and Cons of a Golden Card
The main advantages of a gold card from Sberbank are as follows:
- Contactless payment technology is supported.
- Provides a high level of protection.
- High limit set.
- A free Mobile Bank is available.
- Bonus programs from the world-wide systems MasterCard and Visa.
- The grace period is 50 days.
- It is issued to clients of different age categories.
Negative features of the Sberbank Gold Card:
- a high limit on the loan rate has been set;
- annual maintenance is more expensive than other cards;
- interest-free cash withdrawal from operations - absent.
Sberbank Gold Debit Card
The next question to consider: Sberbank debit gold card - what is it, what are its advantages? The card provides good protection of personal savings and a number of other useful advantages, both from the bank itself and from the MasterCard and Visa systems. At the same time, it remains available in design for anyone.
How to get a Visa and MasterCard gold card?
The list of prerequisites consists of two items:
- It is necessary to have permanent or temporary registration of the Russian Federation.
- Reach 18 years.
At the same time, the possibility of issuing the product to foreign citizens is not excluded. The bank reserves the right to make this decision.
To draw up a debit card, you can personally come to the bank branch or apply through the online service. It is not required to present income statements and other proof of solvency. Details are on the bank page.
At the moment, you can leave on Visa and MasterCard Gold cards.
Holders of a gold debit card of Sberbank have the right to additionally issue other cards. Moreover, such a user can be any citizen of the Russian Federation who is 7 years old. This service is paid. The activation amount is 2500 rubles, and the annual maintenance costs 3000 rubles. Upon expiration, the card can be restarted at no extra charge.
Advantages and disadvantages
There is a reason to start by listing the shortcomings. They are in the high cost of annual maintenance. In all other respects, only advantages can be traced. It:
- the opportunity to receive discounts and privileges from bank partners;
- the ability to use hotline support around the clock;
- good savings protection;
- the ability to use the card not only in Russia, but also abroad;
- the ability to write an additional card;
- in case of theft or loss of a card, funds are issued on an emergency basis.
Who can get gold cards for free
A gold card of Sberbank is considered to be very attractive for any client, however, the cost of servicing stops in processing. Being a regular customer of the bank, there is every chance to get a Gold card for free and keep it free too.
A loan issued by Sberbank on a special offer involves a reduced rate - from 17.9 to 23 percent per annum.
Such an offer can only be received by Sberbank customers who:
- receive a salary through Sberbank;
- previously borrowed here and repaid them successfully;
- previously opened personal deposits.
In order to get a gold card for free, you must:
- receive a personal offer from the lender;
- visit the branch of Sberbank in person;
- provide the proper package of documents.
For non-salary clients, the list of securities includes a statement of income and confirmation from a permanent place of work.
Co-branded Gold Cards
A series of gold cards of Sberbank included co-branded plastic in its lineup. These are two types of cards:
- "Gift a life";
- Aeroflot.
They are executed not only on generally accepted grounds, but also on the special offer of Sberbank. The “Give Life” card enables its owner to provide assistance to a charity fund of the same name. For this purpose, from each amount spent, the bank transfers 0.3% to the fund's account. The minimum loan rate is 25.9 per cent per annum, and the annual service price varies from 0 to 3,500 rubles.
A card was provided by the Visa system, because it allows holders to evaluate all the advantages of Sberbank Visa Gold services.
Aeroflot product is suitable for those who often use the services of this airline. There is an opportunity to accumulate miles and exchange them for tickets. The cost of maintenance is 3,500 rubles per year. And the credit rate is 25.9%.
How to order online a Visa and MasterCard gold card at Sberbank - details of receipt
The page of the official website of Sberbank provides complete information on the details and conditions for obtaining a card, as well as a form for an online application for a gold card. In addition, you can find additional information about the gold card of Sberbank (Gold Visa, MasterCard) - what it is, how to draw it up - you can in this video.
Sberbank of Russia offers a huge number of different cards for registration - from simple cards of the Russian MIR payment system to premium Visa Platinum cards. Each of them has its undeniable advantages, and we will try to talk about them in our next articles.
Today we will talk about a map that belongs to the category premium, but having a relatively low cost of service - Gold card from Sberbank.
Sberbank of Russia issued three gold cards types of:
- credit
- debit
- give Life card
Three available payment systems - Visa, WORLD and MasterCard. You can also get information of interest from a consultant in the department.
Recently, having logged into their personal account in the remote banking service system, many users saw a pop-up window in which a message of the form: "You have previously been approved a gold credit card with a limit of 70,000 rubles."
We want to note that this is not some kind of divorce, Sberbank makes such offers only to customers who in any way deserve confidence.
If you received a message or a call from Sberbank with a proposal to draw up a card - do not hesitate to ask the consultant to give his personal identification number for the employee. If scammers call, it will most likely confuse them and they will simply hang up.
So, in the current article we will tell:
- about the differences between a gold card and a regular one
- advantages and disadvantages
- consider in detail the conditions for issuing credit and debit cards of category Gold
Differences between Gold and regular cards
It doesn’t matter whether you are issuing a plastic card for the first time in your life, or if you have been using standard offers of banks for a long time - when the moment of re-issuance comes, almost everyone thinks: “Why not get a gold card?”.
What for me a gold card, if I can draw up the usual? - This is the question most often asked to the consultant who offers to issue a Gold card at the time of visiting the office of Sberbank.
Let's figure it out how is she different from instant issuance cards and classic Visa Classic or MasterCard Standart cards:
- Service cost. Gold cards are quite expensive to maintain; for debit cards, the annual maintenance fee is 3000 rubles. An ordinary classic is 4 times cheaper - about 600-900 rubles. Cards of instant issuance of MIR and Momentum - 150 rubles per year.
- Salary Card Issue. Many employees receive their salary exactly on the card of Sberbank. As part of the salary agreement, you can only issue classic cards, for gold cards this is not possible.
- Appearance. Until now, for many people, the golden color remains something super-attractive. Gold cards are issued in the corresponding shade, classic cards are gray, instant cards are blue or with a color pattern. According to the editors, the appearance of a gold card will not surprise anyone.
- Premium program. Holders of Visa Gold and MasterCard Gold cards, along with Platinum cardholders, have access to discounts and bonuses from partners of payment systems. For ordinary classic cards, this is not available.
- Service. For owners of premium plastic cards, including gold ones, the service is provided free of charge. For Classic cards - the cost is 60 rubles per month.
We have listed the main differences so that it is immediately clear do you need such a card or not. Whether the cost of service will block the bonuses that are available to its holders - read on.
Pros of Sberbank Gold Card
When it was only planned to write an article, we conducted a survey cardholders, and made up a certain rating of benefits. What was our surprise when, after counting, it turned out that most of the respondents called the main plus "Premium and status" cards.
In order to conduct an expert assessment, the editors of the portal decided to turn directly to the one who knows everything about the cards - the pros, cons, and more than once told their precious clients about this.
We met with the current employee Sberbank, which is directly involved in the design and issuance of gold cards, and found out his opinion about the pros.
- Increased cash withdrawal limit. If for classic cards it is 150 thousand rubles, then for gold cards - 300 thousand rubles per day. Namely:
- cash withdrawal from Sberbank ATM - 300,000 rubles
- issuance through Sberbank cash desks - 300,000 rubles
- withdrawal from ATMs of subsidiary banks - 300,000 rubles
In fact, no one forbids you to remove 300 thousand from the card at an ATM, and immediately go and take off another 300 thousand through cash desk.
As a rule, with the active use of a credit card, the bank increases the credit limit on its own. Also, a request for an increase in the loan amount can be sent through a special form in Sberbank Online
We did not talk about appearancebecause you won’t surprise anyone. We tried to uncover those advantagesthat cannot be seen with the eyes.
Cons card
The survey showed that all users as one call the main drawback high cost of annual maintenance.
Also, some respondents expressed dissatisfaction with the fact that promotions and discounts, which are one of the main advantages of this type of card, are not very eagerly supported partners in Russia. There are much more offers abroad.
Our expert, who is an employee of the bank, confirmed the opinion of fellow citizens, having issued a final verdict - before execution weigh the pros and cons. If you do not travel very often, or if you don’t withdraw large amounts daily, then perhaps Visa Classic or MasterCard Standart cards are more suitable for you.
Card Terms
If you nevertheless decided to apply for registration, then for you we will briefly tell you on the conditions under which gold cards are issued.
Visa and MasterCard Gold Debit Cards:
- Card Currency: euro, USD, Russian ruble
- Validity: 36 months
- Annual maintenance: 3 thousand rubles
- Duration of consideration: up to 48 hours
- Additional cards: yes, 2.5 thousand rubles / year
- Required documents: passport
Visa and MasterCard Gold credit cards:
- Card Currency: euro, USD, Russian ruble
- Validity: 36 months
- Annual maintenance: is free
- Interest: 25.9% per annum
- Cash withdrawal fee
- Duration of consideration: up to 36 hours
- Additional cards: no
- Required documents: passport
Requirements for the borrower:
- passport of the Russian Federation
- permanent registration
- age from 21 years to 65 years
A detailed description of the tariff for these cards you can.
Visa Gold “Give Life” credit cards:
- Card Currency: Russian ruble
- Validity: 36 months
- Annual maintenance: is free
- Interest: up to 33.9% per annum
- Cash withdrawal fee at Sberbank ATMs: 3%, at least 390 rubles
- Duration of consideration: up to 36 hours
- Additional cards: no
- Required documents: passport
Requirements for the borrower:
- passport of the Russian Federation
- permanent registration
- age from 21 years to 65 years
- at least six months in the last place of work
Since December 2016, Visa and MasterCard Gold and Visa Gold “Give Life” credit cards are issued only to those customers for whom there is preferred offer. You can find out if there is one for you by contacting the branch of Sberbank or the Contact Center.
If you are faced with a choice, and still cannot decide which card is right for you, see the video in which a detailed comparative analysis is carried out.
In contact with
The reputation of the largest financial institution in the Russian Federation has suffered significantly due to unbridled activity of staff. In an effort to fulfill the plan for the sale of the product, bank employees impose a MasterCard Gold Sberbank credit card on almost all customers over 18 years of age. It is better if a loan or an indignant refusal is preceded by a careful study of the conditions of the offer.
Offer is free information.
Offers to get a loan are poured onto the bank's stunned customers in an endless stream. Whenever you contact the branch or toll-free number 8-800-555-55-50, Sberbank employees will necessarily transfer the conversation to the merits of MasterCard Gold Sberbank, informing you that it is “the best offer that’s in effect”. More often than not, young people quickly respond to the correct “thank you, I don’t need it”, a particularly impatient client can afford to just disconnect or turn his back on a pesky consultant.
It is practically impossible to limit SMS avalanches arriving at a telephone number to at least ordinary bank customers. The need to constantly read and delete large quantities is a dubious pleasure. At the same time, in the “My Account” of “Sberbank-Online” suddenly appears information about an already approved loan for a specific amount and the Master Card Gold Sberbank itself, and there is a “apply” button, but no “refuse” or “delete” buttons.
Such an onslaught on the part of the bank causes irritation in some, and fear in others. An offer is not an obligation. A consultant can endlessly paint the benefits of a banking product, but cannot force a client to arrange it. Similarly in cases with SMS, “Internet banking”. This is also just information. “Hanging” in the “personal account”, the credit card disappears, without leaving a single “trace” of financial obligations.
The advantages of "golden plastic"
“A credit card is a bank in your pocket” is one of the common slogans. Indeed, a piece of plastic in your pocket makes it possible to realize your dreams: to make repairs, to make an exciting journey, to buy previously inaccessible things. It is enough to apply for it once in order to secure the possibility of obtaining a new loan immediately after paying off the previous one within the card face value.
MasterCard Gold Sberbank card, this:
- privileged customer status - individual approach, round-the-clock consulting support;
- financial freedom around the world within the credit limit (300,000-600,000 rubles) - the same conditions for non-cash payment, as well as cash, including the loss of a "golden card" in the Savings Bank branches of Russia and other countries;
- bonus and discount programs from Sberbank and international payment systems;
- increased level of protection - 3D-secure technology;
- operations in the “personal account” of “Sberbank-online” or “Mobile Bank” - transfers and payments (including “auto payments”);
- replenishment in cash, non-cash by the currency of the account, as well as "electronic money";
- "Binding" to the wallets of electronic payment systems - WebMoney, Yandex, Qiwi;
- 50 days of grace period - an interest-free “privilege” applies only to funds spent on non-cash payments;
- registration of additional cards - for children from 7 years.
When withdrawing cash from Sberbank ATMs, a commission of 3% is charged, at terminals of other banks - 4%, but not less than 100 rubles.
The interest rate is determined individually - from 25.9 per year. Replenishment of privileged cards is possible in cash and non-cash. The cost of annual maintenance is 3000 rubles.
Additional terms
Any citizen of Russia aged 21–65 can receive a gold card. Strict requirements are presented to the place of registration - only the Russian Federation, work experience - at least 1 year and at least 6 months at the last workplace.
Holders of "salary" cards, as well as customers who are actively using debit accounts, loans, are offered a Master Card Gold Sberbank credit card on special conditions:
- reduced interest rate;
- free annual service.
No need to submit an application, worry about waiting for its approval - the card is ready.
To take or not to take?
The issue is decided by each person based on specific circumstances. Additional expenses do not fit into the family budget - you can refuse. If serious purchases are postponed for the future within 1-3 years, then the Master Card Gold Sberbank card with conditions for privileged customers will be the key to the realization of what was intended.
What to do if the card is still imposed?
Particularly active credit cards are "awarded" to debit card holders: students, retired employees. The simplest scheme: when replacing an expired card, two cards are issued - debit and credit.
In educational institutions at enterprises, such events are carried out by field specialists. The queue, everyone is in a hurry, quickly signs in the contracts, without reading them, picks up envelopes in which, when opened, they find two cards instead of one. Bank managers do not stand on ceremony with pensioners - they give documents for a signature and a card.
If the document has your signature, then it will not work to prove the illegality of the actions of Sberbank employees. You just need to go to the nearest branch as quickly as possible and close the card. You should carefully read all the points of the documents issued for signature, ask questions and, if necessary, contact the senior manager, the contact center, even a paid attorney - until a positive result.
Students and retirees are the “weak link”. The former are not yet able to approach financial issues responsibly, the latter can no longer do this. To identify the “plastic” that children and parents have, you can call the bank’s “hot line” phone (prepare a passport and an agreement in advance) on their behalf. The method is not entirely legal, but allows you to get accurate information about the type of card (credit or debit), the terms of the tariff plan and the amount of debt (if any). It is better if the owner of the banking product will hear your conversation with a consultant. Will have to take a direct part in the process of closing a card account.