Mastercard standard Sberbank credit. Credit card visa classic
Classic credit cards in Sberbank are represented by several products - MasterCard Standard and Visa Classic with bonus programs from partners. For more information on what conditions a classic Sberbank credit card implies, we’ll tell you about its pros and cons in the review.
Advantages of a classic Sberbank credit card
The most optimal and easy to use classic card from Sberbank with a standard set of options is a credit card Mastercard standard. Her main advantages:
- free release
- simplicity in operation,
- availability,
- favorable conditions for using credit funds.
Key Product Features:
- account currency - Russian rubles;
- credit card validity period - 36 months;
- annual maintenance price - from 0 to 750 rubles;
- credit limit - within 600,000 rubles on a personal offer, up to 300,000 rubles under standard conditions;
- annual interest rate - from 23.9% to 27.9% per year;
- interest-free period of use - 50 days.
Classic Visa Cards
Classic credit cards of Visa payment system are represented by such products:
Visa Classic Aeroflot. It will be interesting to those customers who travel a lot with domestic airlines. Conditions:
- limit - 300,000 - 600,000 rubles;
- interest-free use period - up to 50 days;
- the percentage of annual overpayment - 23.9% - 27.9%;
- credit card operation period - 3 years;
- service cost - 900 rubles. in year.
Money transfer via SMS is carried out through the Mobile Bank service according to the following scheme:
- Open the Messages section on your phone;
- Enter the recipient number 900;
- In the text box, specify: Translation_9XXXXXXXXX__YYYYwhere:
- 9XXXXXXXXXX - the telephone number of the recipient,
- YYYY - the transferred amount,
- "_" Is a space;
- Click the “Submit” command;
- Receive SMS with a secret password and full name of the recipient;
- Check the data and send the code sent back to 900.
There is no commission when sending at a time no more than 8,000 rubles.
What to choose: Visa Classic or MasterCard Standard from Sberbank?
The question of which to choose Visa Classic or MasterCard Standard is asked by many users today. It all depends on what goal the consumer is pursuing.
If you need a regular payment product with a standard set of functions and a low cost of annual maintenance, then it is better to stay on a regular MasterCard Standard card.
In case you want to receive additional bonuses, for example, from using the services of air carriers, you can choose a Visa Classic Aeroflot card. It involves a profitable program for accumulating points for flights with their subsequent exchange for award tickets.
What is a credit card and how does it differ from a debit card?
A credit card is a card for buying on credit. Unlike a debit card on which your own money rests, a bank card rests on a credit card. You can manage this money to buy goods in stores and on the Internet. You can even transfer money to friends or relatives or withdraw cash from an ATM, but keep in mind that the bank will charge a fee for these operations.
How to choose a credit card?
When choosing, pay primarily on the size of bonuses for purchases, the cost of service, the size of the credit limit and privileges from the payment system.
How old can I get a Sberbank credit card?
Any citizen of Russia aged 21 to 65 years old inclusive with permanent or temporary registration in any settlement of the country can apply for a credit card. The decision on issuing a card and the size of the credit limit is made individually by the bank.
What is a preferred offer on the map and how do I know if there is such an offer for me?
A preferred offer is an offer from a bank to issue a credit card with a pre-approved credit limit. If you receive such an offer, it means that the bank is highly likely to approve the issuance of the card.
To find out if there is a favored offer for you,. If there is an offer, you will immediately see the approved credit limit and preferential terms. The card will be delivered to the department of your choice.
How to start using a Sberbank credit card?
After receiving the card, first of all, make sure that your name and surname in Latin transcription are correctly indicated on its front side. Then put your signature on the back in the signature line.
To start using the card, you need to activate it. Invent and set a PIN code - a bank employee will tell you how to do it. Once the card is activated, you will be able to make purchasesHow to pay by card in stores and on the Internet?
In the shop. Tell the cashier that you are going to pay by card. Insert the card into the payment terminal and enter the PIN code. If you have a contactless payment card, simply bring it to the payment terminal. Shopping more than 1,000 rubles requires a PIN code. The cashier may also ask you to sign the check.
In the Internet. On the payment page in the online store, enter the card details. To confirm the payment, an SMS with a code will come to your phone. Be careful: you do not need to enter a PIN code when paying on the Internet - this is dangerous.
How to pay interest on a credit card of Sberbank?
Interest for using credit funds is debited from the card automatically, therefore, you don’t need to do anything specifically for this. But if you manage to return the money during the grace period, which lasts from 20 to 50 days, you will not have to pay interest.
How to avoid credit card interest?
In order not to pay interest, try to repay the debt for the purchase during the interest-free period.
For example, the date of the report on your card is October 1, which means that the grace period begins on October 2. If you made a purchase on October 2, you have 50 days to repay the loan without interest, that is, until November 21. If you make a purchase on October 20, then until November 21 there are 32 days to pay off the full amount of debt without interest.
What operations are not covered by the grace period?
The grace period does not apply to the amounts of cash withdrawals, transactions in casinos and sweepstakes, payment of online games, purchase of foreign or cryptocurrency, traveler’s checks, lottery tickets, cashless transfers, including transfers to electronic wallets, as well as amounts exceeding the limit loan.
Where can I find the credit card report date?
There are three ways to find your credit card report date:
In the credit card report. The report on the card arrives monthly by e-mail the day after the date of the report.
In the personal account of Sberbank Online. In the "Cards" section, select a credit card, and then open the "Card Information" tab.
Call the 24-hour contact center at any of the numbers: 900 - for MTS, Beeline, Megafon and Tele2 subscribers in Russia. Free when in your home region and on your network roaming.
8 800 555-55-50 (free in Russia)
+7 495 500-55-50 (for calls from anywhere in the world)
How to recharge a credit card?
You can replenish a credit card in several ways:
1. Transfer from a salary card to Sberbank Online or through an ATM.
2. Replenish the card in cash through an ATM or with the help of an employee in the office of Sberbank.
3. Transfer from the card of another bank to, as well as in the Sberbank Online mobile application.
4. You can replenish a blocked credit card at or issue a transfer from a third-party bank account.
Crediting the transferred amount to a credit card in the Bank’s internal network is from 15 minutes, but no later than the next business day.
Replenishment from cards / accounts of third-party banks - no later than the business day following the day of receipt of funds in the bank.
Can I transfer money from a Sberbank credit card?
Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - yours or any other customer.
Please note that a commission is charged for a transfer from a credit card in accordance with the Bank's tariffs, including when transferring own funds. .
How to increase the credit limit on the card?
The decision to increase the credit limit is made by the bank. If you actively use the card, the bank may decide to increase the amount of the credit limit. If you have not used a credit card for a long time or have been inactive, the bank may offer the client to reduce the credit card limit. Such offers usually come in SMS.
Card Production Dates
In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 business days, in the regions production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are possible.
When issuing a card, only business days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.
You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.
What documents are required to receive a card?
To pick up the card, bring along your passport or other document that was used to apply for the card. To get a card for another person, you need a notarized power of attorney.
How to start receiving bonuses THANKS?
After receiving the card, you must register in the program “Thank you from Sberbank”. The easiest way to register: send SMS to number 900 with the text THANKS 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online account and at the Sberbank ATM - find the “Thanks from Sberbank” section and follow the prompts.
Bonuses are accrued automatically when paying by card - their number depends on the level of privileges.
It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus credits are credited to the account Thank you.
How can I use THANKS bonuses?
THANKS bonuses can be exchanged for discounts when purchasing goods and services from Partners, a full list of partners is available. In addition, THANKS bonuses can be exchanged for a discount when buying tickets and staying at hotels (on the site “Thank you from Sberbank. Travels”). Also, bonuses can be exchanged for discounts when buying tickets for events - the service is available on the site “Thanks from Sberbank, Impressions”.
How can I find out the details of my card?
To find out the details, in the Sberbank Online mobile application, find the card you need and click "Show details".
Another way: in your Sberbank Online account, go to the “Cards” section and find the card you need, then “Card Information” → “Bank transfer details to the card account”.
Is it safe to use a contactless card?
Yes, the card is safe. She is always in the hands of the owner, so her data remains inaccessible to scammers. It is much safer to make purchases without presenting a card and entering a PIN code, since no one sees the card data. In addition, contactless technology protects against double charges - after payment for the purchase, the terminal emits a sound signal and turns off automatically.
Credit card Visa Classic from Sberbank and MasterCard Standard are truly the most popular cards among customers. The reason is simple: they combine a pleasant price ratio for annual services and a huge palette of services offered. These debit cards are the most affordable because they have a minimum of requirements for their potential owner.
Visa Classic credit card is designed for modern people who are used to relying on electronic currency. She is the most popular not only in Russia, but around the world. Ideal for payment of purchases - it can be used to withdraw cash from ATMs and at all settlement points of the global Visa card acceptance network.
Table 1. Tariffs for credit cards Visa Classic and Master Card Standard
Service | Cost |
Annual credit card service | -750 rubles in the first year; 450 rubles for each subsequent year. |
Annual maintenance of an additional card | -450 first year; 300 rubles for each subsequent. |
Another reissue of the card | Is free |
Early reissue of a card | 150 rubles |
Card replenishment in cash | No fee paid by the cardholder |
Cash withdrawal at ATMs or cash desks of Sberbank | No commission if the daily limit is not exceeded. With a 0.5 percent commission if the daily limit is exceeded. |
Cash withdrawal at other banks | ATMs: 1% of the amount, but not less than 100 rubles. Cashboxes: 1% of the amount, but not less than 150 rubles. |
Cash withdrawal limit at Sberbank cash desks | Per day: 150 000 rubles. Per month: 1,500,000 rubles. |
Cash withdrawal limit at cash desks of other banks | Per day: 150 000 rubles. Per month: no limit. |
Credit limit | Up to 600,000 rubles |
Payment for goods and services | No commission |
Advantages of Visa Classic payment card:
- convenient and prompt payment for goods and services in more than a million points of trade / service;
- opening a card account in 3 currencies (ruble, US dollar, euro);
- the possibility of using a bank credit line;
- monitoring the status of the card account using SMS messages about the status of the account or e-mail statement;
- the possibility of replenishing a card account in cash or by bank transfer;
- use of funds on a card account with Sberbank abroad;
- when crossing the allowable amount, the state of the account is not subject to entry in the customs declaration;
- independence from the bank’s operating mode - the ability to carry out operations around the clock;
- the ability to quickly and without significant costs to book airline tickets, cars, hotel rooms in all countries of the world; use discounts at travel agencies and airlines, as well as make payments via the Internet.
You can also open an additional card for yourself or for a member of your family, giving him the opportunity to use the funds in your card account (if you wish, you can set limits on the use of funds). You can issue an additional card even for a seven-year-old child!
As you can see, using a card opens up great opportunities for the owner. Operations to pay for certain goods and services occur literally on the fly, which means that the time of the owner of the plastic is not wasted. This is very true for people who want to do everything, despite the incredible dynamism of the world!
This card is also incredibly popular in different parts of the world. She has a number of advantages that make her worthy of the attention of customers.
- Firstly, the owners of Master Card have a unique opportunity to participate in promotions from the Visa and Master Card payment systems. This will help save money on purchases of goods and payments for various services.
- Secondly, Master Card can be linked to electronic virtual wallets, for example, Yandex.Money. Finally, the owners of Master Card are well-maintained 24 hours a day at Sberbank contact centers.
By the way! In case of loss of a Visa or Master Card abroad, the owner can contact the emergency cash withdrawal service.
In addition, other services are available to debit card holders.
Table 2. Other services.
The Mobile Bank service is useful to those customers who want to control their accounts, receive SMS notifications about all transactions, transfer funds by mobile number, and pay for mobile services online.
Card Terms
To receive the card and use it later, the client must meet two parameters.
- Have permanent or temporary registration on the territory of the Russian Federation.
- To be over 14 years old to receive the main card and older than 7 years old - to receive an additional one. In the second case, the documented consent of the child’s legal representative will be required.
There are a few simple steps to follow during the card process. First, the client must provide a passport to receive it. Then, the bank employee gives the client a card with a sealed envelope, which contains the PIN code. It is the PIN code that provides transactions when paying for goods and services. Also, the card can be issued online.
Important to remember! The client must keep the PIN code secret: do not write it on the card, do not inform other persons, do not store the PIN envelope with the card.
After that, the card is activated within a day after registration. The Master Card or Visa holder can independently activate the card during the operation with entering the PIN code (this can also be payment online).
If the card is damaged as a result of folding, for example, the client can contact the Sberbank department for the registration procedure for reissue.
How to use?
To pay for goods and services with one touch of the card, you must follow these steps:
- double-check the purchase amount;
- touch the card to the reader;
- a beep will sound and “Approved” will appear on the reader screen.
The cashier of the trade and service company should offer the cardholder to use the electronic terminal. For a successful payment transaction, the cardholder must enter the correct PIN code. Upon completion of the transaction, the cashier must give the client a sales receipt or a slip.
Pay for services and goods online
To conduct an operation to pay for goods and services online, the following data is required:
- card number;
- card expiry date;
- name and surname of the card holder;
- security code;
For security purposes, it is worth using only those sites that use the technology of safe transactions with cards. These are technologies such as Verified by Visa and MasterCard SecureCode.
Important to remember! To pay online, you do not need to enter a PIN code!
Transactions on the Internet are carried out using one-time passwords, which are sent in an SMS message to the cardholder’s number.
Interest rate and grace period
Visa and Master Card cards offer interest-free credit for up to 50 days. At the same time, each month the bank sends the customer an SMS message indicating the amount and date of payment.
In order not to pay interest and prevent late payments, Sberbank offers a flexible lending system. Suppose the report is dated the first of October or 01.10, then this means that the grace period starts on 02.10. Also suppose that the customer made a purchase on 02.10. In this case, he has 50 days for interest-free repayment of the loan, that is, until 21.11. If you make a payment for the goods or services on November 21, you have 32 days to pay off the entire amount in an interest-free format.
If the client has overcome the milestone of 50 days, then interest is accrued. The interest rate in this case is about 23-26% per year.
Cash withdrawal
You can withdraw cash using an ATM of Sberbank, as well as using ATMs of other banks. To do this, simply insert a credit card into the ATM and use the instructions on the screen to withdraw the desired amount.
It is important not to make mistakes when entering the PIN code, since after 3 attempts to enter the code incorrectly, operations with entering the PIN code will be available only the next day. You should also keep your PIN secret from other people.
Cash withdrawal rates are set forth above in table 1.
Classic credit card from Sberbank is a great solution for a modern person. It is also a great way to save a budget, as Master Card and Visa often offer all kinds of loyalty programs and promotions. All information about this can be found on the website of Sberbank. In addition, there is a free bonus program “Thank you from Sberbank”.
Want to buy an expensive item, but you don’t have enough money for it now? Correct the situation can a credit card of Sberbank. Now the bank issues this means of payment to individuals per day. Card issuance can be carried out by passport at a bank branch or remotely.
Terms of issuing credit cards at Sberbank
For those wishing to order a credit card of Sberbank, the following working conditions with a means of payment apply:
- loan interest - 21.90% per annum (the bank has a flat rate);
- credit limit on the card - up to one million rubles;
- grace period of crediting - 50 days;
- issue of 5 additional cards;
- free annual service (many banks in Russia offer free cards).
Credit cards also allow you to get cashback for large purchases.
All citizens of Russia can get Sberbank credit cards. To do this, it is enough for them to submit a request for a credit card on the organization’s website. An online application for such a means of payment can be submitted by you at any convenient time. The bank will consider it in an hour. If the application is approved, it will be necessary to come to the office, choose the design of the means of payment and apply for a Sberbank credit card along with the contract. The credit card will be active on the day of receipt.