Visa gold what a card. Gold cards of Sberbank: what are the advantages and disadvantages? Additional features for Visa Gold cardholders
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
It doesn’t matter whether you are issuing a plastic card for the first time in your life, or if you have been using the standard offers of banks for a long time - when the moment of re-issuing 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 to increase 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.
Gold status plastic has always been considered preferred among potential borrowers, so most banks must have this offer in their product line. So, Sberbank offers its customers to issue a gold credit card from Visa or MasterCard systems. A Visa Gold Sberbank credit card is distinguished by acceptable credit conditions and other advantages, in order to understand as much as possible whether to issue a credit card or not, you need to carefully study its conditions, advantages and disadvantages, as well as the feedback of the owners in order to form a correct picture of it.
How to draw up a card
To begin with, it is worth saying that gold cards are really beneficial for wealthy customers. After all, they make it difficult to pay with the help of their goods and services, but also to receive additional bonuses. In addition, the card is indispensable, as a payment instrument abroad, because to pay for purchases in foreign currency, conversion is automatic. The owner of the gold plastic also has the opportunity to participate in the bonus program Thank you.
A credit card requires borrowed funds. The bank has a number of essential requirements for a potential client, consider all of them:
- citizens of the Russian Federation aged 21 to 65 years can become a client;
- permanent registration in the region of plastic processing is mandatory;
- income level must be documented with a certificate in the second form for individual entrepreneurs certificate 3-NDFL;
- experience at the last place of work, you need to confirm a copy of the work book.
You can submit a preliminary application without leaving your home online on the bank’s official website. After making a positive decision, you must personally come to the bank with a package of documents and a passport to apply for a card.
It is important that in the bank branch you will need to provide all the documents for the consideration of which a certain period of time is allotted, because security officers must verify the authenticity of the documents and assess their risks.
Sberbank Gold Credit Card Terms: Official Website
Terms of Service
Despite the fact that for each client the bank determines individual conditions, it is worth considering what tariffs are provided for such a product as a Visa Gold Sberbank credit card. Conditions:
- maximum amount of loan funds - up to 600 thousand rubles;
- maintenance fee - 3 thousand rubles annually;
- grace period - up to 50 days;
- annual rate - up to 33.9%;
- penalty for late payment of debt - 36% of the total debt.
These are general conditions, but if you receive a pre-approved decision to issue a credit card, then special conditions will apply for you. Firstly, the bank determines the interest rate and the limit amount in advance. Secondly, the advantage for bank customers is the absence of annual service fees.
Please note that for holders of gold credit cards SMS informing is free.
How to not pay interest
For most users, the concept of a grace period is not known for certain. If you know exactly how to use the grace period, then you can not reward the bank. Here, the Gold card has a grace period of 50 days: according to the terms of service, the first 30 days is the settlement period, it starts from the date specified in the contract and is valid for 30 days. Within this period, the user can make purchases and pay with their card, and in the next 20 days after the end of the billing period, a payment period sets in. This period must be paid in full, then the bank will not charge a fee.
To understand how to use Sberbank's Visa Gold credit card correctly, you need to carefully calculate the grace period. Your loan agreement should indicate the start date of the grace period, 30 days should be counted from it - this is the period for payment for goods and services. It is worth paying attention to the fact that no matter what day you made the purchase within 30 days, even if you made it on the last day, the payment period will start for you from the next day. At the end of the billing period, you have another 20 days to fully pay the amount of the debt, otherwise the bank charges you interest.
If the client did not manage to pay the arrears of expenses during the settlement period during the grace period, then he will have to pay interest. Monthly minimum amount of payment is 5% of the amount owed. Before the date of payment, the bank notifies customers of the need to pay the loan. But still, it is not recommended to pay the debt in small installments, because in this option the user pays mainly only the remuneration to the bank.
It is important to note that the grace period applies only to cashless transactions.
Getting money at an ATM
A credit card is needed for cashless payments, and it is highly discouraged to receive borrowed funds in cash, if you need money for household expenses, then it is more reasonable to get a consumer loan. For cash withdrawals, an additional fee of 3% is charged, but not less than 390 rubles, plus interest is charged on the amount of cash withdrawals from the next day.
For example, if you want to receive 10,000 rubles in cash, then you have to pay 390 rubles. And if 100,000 rubles, then 3,000 rubles commission fee. This amount will also be debited from your credit card account.
Important! If your own funds are stored on a credit card, then you can get them in cash only with the payment of a mandatory commission.
Basic Terms of Service
As mentioned earlier, the annual percentage and amount of borrowed funds is a strictly individual issue, they will depend on several factors. First of all, the bank can determine the limit and percentage only after studying the documents of the potential borrower. The higher the income level, the higher the limit and lower the interest rate.
If you have received preliminary approval for issuing a card, then the bank has already determined the terms of its service for you personally. It will be much easier for pay recipients to apply for plastic, because they will not be required to receive a salary certificate, their credit history plays a decisive role for a potential client.
What gives Gold status
To the extent that gold credit cards primarily emphasize the status of their holder, they have a number of features, namely:
- bonuses from global payment systems;
- free round-the-clock consulting services;
- free remote services Internet banking and SMS-informing;
- instant withdrawal of funds outside the Russian Federation in case of loss of a card;
- the possibility of contactless payment thanks to the PayPass service;
- 3D-secure online shopping protection technologies;
- convenient ways to replenish your account.
All the pros and cons
Terms of use of a credit card of Sberbank Visa Gold are more than acceptable for potential use. By the way, there is an erroneous opinion that only financially wealthy clients can receive gold credit cards, but absolutely everyone can become the owner of plastic, regardless of income level. It’s only worth considering whether I really can justify the high cost of annual maintenance.
However, to begin with, it is worth considering the advantages and disadvantages. The pluses include:
- long grace period;
- loyal interest rates;
- the opportunity to receive cash urgently abroad;
- the ability to pay for purchases on travel;
- bonuses from Sberbank and the payment system;
- high credit limit;
- convenient remote services;
- minimum age of the borrower from 21 years;
- free Mobile Bank;
- opportunity to save on overpayments and maintenance.
Among the shortcomings are expensive services for customers who have not received a pre-approved offer from the bank, the lack of a grace period for a cash withdrawal operation, a high percentage for cash withdrawals at ATMs and high fines for late payment of credit obligations.
The most famous bank in Russia offers its customers cards for every taste. But compared to others, gold has always had and has tremendous advantages. Visa Gold of Sberbank is one of such cards.
Many people are so completely unable to figure out how the gold cards differ and whether it is worth paying such amounts for their service. Whether Gold cards justify their status, everyone decides for himself, but the fact that there are much more opportunities for them is a fact!
Important advantages of Visa Gold of Sberbank
This credit card gives ample opportunities to its holder. It emphasizes the status of the card holder, in addition, such a card has properties that allow you to use it with greater benefit.
What are the main advantages of Visa Gold of Sberbank?
- The holder of the Gold card at any time by calling the bank’s contact center can receive informational support.
- It is possible to manage your own account via the Internet.
- Cards are tied to the most common and well-known Viza payment system.
- It is possible to keep funds on the card in any currency.
- There is no overdraft limit.
- Money can be withdrawn from cards not only in Russia, but also abroad.
- The first deposit to the card account is optional.
- Money is credited to cards very quickly.
- Early or regular card issuance is free of charge.
- Report on the account can be done without commission.
- Free overseas can make emergency disbursements. This is possible in case of loss of a PIN code or card.
- There is an opportunity to withdraw cash card from partner banks on the same conditions.
Additional features for Visa Gold cardholders
The main benefits of Visa Gold have been listed above. Sberbank, in addition to them, offers its customers additional opportunities on the card. These include:
- "Mobile Bank".
Using this service, you can manage your account and receive reports on completed operations. It is also possible to carry out expenditure operations using a mobile phone.
- Sberbank Online".
Through this service, you can pay for goods and services, credit funds and make money transfers.
- "Auto payment".
Using this service, it is possible to pay automatically (with the necessary settings for frequency and volume) such important payments as the Internet, mobile communications, utilities, cable television.
- Protected mode.
Using one-time codes sent to the holder, you can pay for goods and services through the Internet in a secure manner.
Visa Gold Discounts
Sberbank customers who use the Gold series cards have the opportunity to receive discounts at partner companies of the bank.
There are special programs for cardholders:
- Discounts at Hertz, a car rental company.
- Discounts in thousands of stores and companies in thirty-three countries of the world. A Gold Cardholder automatically becomes a member of the Countdown Program. Without a gold card, membership in this program is fourteen dollars.
Visa Gold Deals
Anyone who wishes to have permanent limited money at interest can apply for a gold card. But you need to take into account that the permanent owners of the Gold card get tremendous advantages in its use. For them, interest rates are reduced and a free annual service is offered.
Sberbank personally offers to issue the most reliable customers a gold card. Visa Gold credit card makes it possible to be considered a privileged consumer of banking services. In this case, you can get a credit card at reduced interest rates and with free service.
Types of Visa Gold cards
Interesting and profitable loans for its customers offers one of the most famous banks. Sberbank Visa Gold credit card is a convenient solution for people who respect their time and money. Gold cards are issued according to several programs:
- Debit card "Visa Gold".
Such a card emphasizes the prestige and status of its owner. It allows you to participate in special programs with promotions that provide discounts. A card is opened for citizens over 18 years of age. Non-residents of the Russian Federation can also purchase this card. Card maintenance costs three thousand rubles a year.
- Credit card "Visa Gold".
The credit limit of the card is quite high, it amounts to 600,000 p. It also has a grace period of up to 50 days (during this period you can use funds without interest). The card gives you the opportunity to participate in various promotions where there is a guarantee of very favorable discounts. Her annual service is 3,000 r. There is also a commission on withdrawal, which is 3%. The interest rate is 23%, and if the client falls under the share, the rate will be 17.9%.
- Co-branded cards.
In addition to conventional cards, the bank issues such plastic cards that allow you to accumulate bonuses. These special offers include:
- Viza Gold Aeroflot card (when paying for services with this card bonuses are awarded, which you can use later on when buying an air ticket).
- Viza Gold “Give Life” card (accumulated bonuses go to a charity fund).
Annual card service costs 3,500 p.
The capabilities of the golden card give their consumers, for whom convenience comes first, great advantages. Plastic cards from Sberbank are issued easily. An application for a card can be submitted online, by phone or at a bank branch.
Getting a salary on a Sberbank plastic card is a common procedure for many Russians. Sberbank is a leader among issuers, has the widest network of ATMs and this justifies the choice of corporate clients in its favor. As a rule, classic options are used for a salary project. For whom the salary gold card is intended, how much it costs and how to use its advantages - this is our article.
About the payroll project
The contract for the transfer of employee salaries is concluded by the employer organization. According to this agreement, Sberbank issues registered plastic cards for each employee, according to the list provided by the organization. In case of admission of new specialists, an additional list is sent to the bank.
After issuing cards, they are issued to employees along with personal PIN codes.
It is important to know that in the framework of the salary project, all cards are issued and serviced for free. The commission for the transfer of money is paid by the employer company.
The cardholder does not bear any costs, except for paid services connected on a voluntary basis. For example, a user can order paid SMS information at a bank.
The fact that a card is issued as part of a salary project does not relieve its holder of responsibility for fulfilling obligations to the bank. For example, having received an overdraft, you need to pay interest and fees on time in order to avoid penalties.
When an employee is dismissed, the company sends information to the bank, and the card is excluded from participation in the salary project. This means that the cost of the service must now be paid by its owner. If you want to leave the card for personal use, a former employee of the company can simply continue to use it until the expiration date. If this is not necessary, you need to write a statement to the bank about.
For those who already have a Sberbank card, its pros and cons are obvious. Salary card holders have all the rights of users of bank services, and can manage a card account through mobile applications. Sberbank gives advantages to the participants of salary projects when considering loan applications by registering consumer loans under two documents.
As salary options, the bank issues only debit cards. If an employee already has a credit card, and he wants to receive his income on it, this can only be done privately by writing a statement to the accounting department.
Sberbank salary cards
We note right away that the bank bears the costs of issuing and servicing cards. The higher the status of the plastic and the more options it has, the more expensive it costs the bank. Cardholders compensate for these costs by paying annual maintenance costs and other fees.
Payroll service charges are included in company rates. But at the same time, indicators for mass segment cards, standard and classic statuses are taken into account. Among them:
- Classic Visa and MasterCard cards - these products are offered as salary cards to Sberbank corporate clients, commercial and industrial companies;
- The MIR card is the most popular offer for salary projects for public sector employees.
At the same time, the options of classic cards allow owners to fully use them, without fear for the security of payments. In addition to standard functions, cardholders can use bonus programs of the bank, for example, Sberbank-Thank you.
Salary card can be plastic and with a higher status: gold or platinum. As a rule, such issues are resolved individually, then we will talk about it.
Gold cards: advantages and disadvantages
The bank has premium products. Sberbank Gold Card is associated with the high status of its holder. The bank gives it an extended package of privileges, consider what it is:
- The holder of Visa Gold Sberbank automatically participates in the shares of payment systems. Terms of promotions can be read on the website Visa and Mastercard;
- The bank provides round-the-clock concierge service. At any time, you can get help and advice from contact center specialists;
- In the event of loss or theft of the card, the holder is guaranteed an emergency cash withdrawal, in Russia and abroad;
- The possibility of settlements involving electronic services (Yandex Money, etc.);
- Earning miles for free flights and hotel payments (the service is available to Visa Gold Aeroflot owners);
- Additional information security systems (electronic chips and 3D-Secure technology).
In addition to the above preferences, the owner of the gold plastic has full access to standard products and bonus programs of the bank. For example, for each non-cash payment, bonus points from the “Thank you” program will be credited to his account for subsequent exchange for discounts from partners.
Does Sberbank Gold Salary Card have advantages for its holder? Of course, after all, the holders of gold Visa or MasterCard in the bank are traditionally loyal. This is expressed not only in the prompt resolution of all arising issues, but also in the offer of benefits and reduced tariffs. If an employee has a salary card, a gold visa, they can be issued a credit card with an approved limit and without annual maintenance.
The disadvantages of gold salary plastic will appear for the owner in case of his dismissal: all the costs of maintaining the card will have to pay on their own.
Terms of receipt
For customers receiving Sberbank Gold plastic under normal conditions, its annual maintenance will cost from 3,000 to 3,500 rubles, depending on the branding and product options.
It is clear that such prices do not allow the bank to massively distribute "gold" for salary projects.
Therefore, a Visa Gold salary card is more likely an exception and a bank's loyalty to its corporate partners. How can I get it? The bank will answer this question by analyzing the salary project of a particular company.
In practice, the bank issues gold cards as salaries to heads and top managers of companies participating in the project. Specialists with high income and representing value for the company can also get gold. The number of premium cards is approved at the stage of negotiations on a salary project with the bank.
Thus, the conditions for obtaining premium plastic as a salary depend entirely on the employing organization.
Note that the employee has the opportunity to include in the salary project a personal Visa or MasterCard Gold card. But the decision on this issue must be approved by the bank.
Estimating the pros and cons of a Sberbank card, one can draw an unambiguous conclusion in its favor. Convenience of settlements, Internet services, security and pleasant bonuses - all this together provides a high rating for Sberbank plastic. As for the choice between gold and classic options, an individual decision is made here.
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.