Sberbank salary gold card: pros and cons. Bonus programs and promotions
Sberbank of Russia is one of the largest banks in our country; it offers its clients a wide range of banking services. Among the variety of plastic cards, the Sberbank gold card occupies a special place, the pros and cons of which are of interest to all users. Moreover, you should understand how this product actually differs from the classic version and what opportunities it gives its owner.
What is a Sberbank gold card
Many users wonder what the Sberbank gold card gives to its owners and what characteristics it has. To begin with, it should be noted that, first of all, it emphasizes the high status and financial wealth of the client; banks offer this banking product only to active and respectable depositors or borrowers. For Sberbank clients, a gold card will become an attractive and profitable product, and there are several reasons for this:
- 24-hour service at the Sberbank contact center;
- protection of funds with an electronic chip;
- restoration of a card after loss anywhere in the world;
- participation in the bonus program “Thank you from Sberbank”;
- the ability to activate “Autopayment”;
- financial control using Mobile Bank and Sberbank.Online;
- participation in discount and privilege programs from Visa and MasterCard;
- several ways to replenish your account;
- non-cash payment for purchases and services in Russia and abroad.
The gold card from Sberbank is an ideal option for those clients who often travel abroad; they have the opportunity to receive discounts on hotels, restaurants, air tickets and other services.
Sberbank gold credit card
Plastic cards are a convenient financial instrument that can be used for various purposes: receiving cash, paying for goods and services. They also differ in that the user can use borrowed funds or their own and enjoy all the privileges that this product provides. Gold cards from Sberbank come in two categories: Visa or MasterCard.
Terms of use:
- maximum loan amount up to 600 thousand rubles;
- interest rate up to 33.9%;
- validity period – 3 years;
- grace period – 50 days;
- Mobile Banking service – free of charge;
- The cost of annual maintenance is 3 thousand rubles.
There are only three types of gold cards from Sberbank:
- Visa Gold;
- MasterCard Gold;
- Visa Gold “Give Life”;
- Visa Gold Aeroflot.
The only difference between all products is that each payment system (Visa, MasterCard) has different bonus programs and privileged conditions; you can find out about them on the official websites. Credit Visa Gold from Sberbank Aeroflot gives clients the opportunity to make purchases and accumulate miles, which in the future can be exchanged for airline tickets of this company. Visa Gold “Gift of Life” allows you to contribute funds to a charitable foundation, that is, the bank transfers 0.3% of the funds spent by the client.
How to apply for a credit card
Each client can independently apply for a banking product if he meets the basic requirements of the lender:
- age from 21 to 65 years;
- has a residence permit in the region of appeal;
- work experience of at least 1 year, in the last position for at least 6 months.
You can fill out the form at the nearest bank branch or official website. In any case, the borrower should come to the office and present his documents: passport, certificate in form 2-NDFL, photocopy of the work book. The processing time for the application is 2 business days.
The credit limit and interest rate are determined by the lender for each borrower individually.
Only reliable clients of Sberbank, for example, depositors, respectable borrowers or salary recipients, can receive the maximum allowable amount at a loyal interest rate. In addition, the credit history of the potential borrower and his monthly income play a leading role.
Terms of use
After registering and activating a Sberbank gold credit card, the client can use it to pay for purchases in stores and online stores in our country and abroad. Despite the fact that the credit card currency is rubles, you can pay for purchases in dollars or euros, currency conversion takes place automatically.
You can withdraw cash from your credit card at ATMs of Sberbank and third-party financial institutions. Sberbank commission is 3% if you withdraw funds through ATMs or cash desks of Sberbank and its subsidiaries, and 4% through other financial institutions. The big difference here from the others is that the maximum daily limit for cash withdrawals reaches 300 thousand rubles.
Methods for remote management of Sberbank accounts
Owners can use credit funds completely free of charge. The grace period is 50 days, during this period you can return the borrowed funds and not overpay interest for use. But you need to keep in mind that this does not apply to cash withdrawals, that is, when cashing out funds, interest is accrued immediately.
The client can withdraw cash from the credit account even if the credit card is lost in Russia or abroad.
Advantages and disadvantages
Advantages of the Sberbank gold card:
- support for contactless payment technology;
- high degree of protection;
- large limit;
- free Mobile Banking;
- bonus programs from international systems Visa or MasterCard;
- grace period 50 days;
- available to a wide range of clients of different ages.
Disadvantages of the Sberbank gold card:
- high loan rate;
- expensive annual maintenance;
- high interest rates for cash withdrawals;
- lack of interest-free cash withdrawal transactions.
Among other things, Sberbank clients have the opportunity to control their accounts remotely; to do this, just activate the Sberbank.Online service. With its help, you can pay any bills, activate AutoPay, control the dates and amount of your next payment, and much more.
Calculation of monthly payments on a gold card
Sberbank Gold Debit Card
The Sberbank gold debit card is a convenient financial instrument and reliable protection of your savings. This banking product is available to everyone, and also has many advantages, in addition, users also have access to all bonuses and other privileges from the bank and the international Visa or MasterCard systems.
How to get
It is much easier to get a Sberbank debit card than a credit card. To do this, it is enough to be a citizen of the Russian Federation over 18 years of age and have permanent registration. Although Sberbank can issue a debit card to citizens of other countries, the organization reserves this decision.
To apply, just contact the nearest bank branch or fill out a form remotely on the official website; proof of income and permanent employment are not required here, because the owner will use exclusively his own funds.
Please note that you can only fill out an application online for a Visa Gold card; you can only get a MasterCard at a bank branch.
Owners of this product have the opportunity to issue additional cards. Moreover, their user can be a citizen of our country aged 7 years or older. The service is paid and amounts to 2,500 rubles, the service fee is 3,000 rubles, re-issuance of the card after expiration is free of charge.
Advantages and disadvantages
It’s worth starting with the disadvantages - the high cost of annual maintenance, otherwise it has a lot of advantages:
- the opportunity to receive discounts and privileges from bank partners;
- 24-hour hotline service;
- high degree of protection of your savings;
- the ability to use funds in Russia and abroad;
- the ability to issue an additional card (credit cards do not have this option);
- emergency issuance of money in case of loss or theft of a card.
Many owners of this product noted that for middle-income clients it is quite expensive, so it is not economically feasible to register it.
Please note that unlimited overdraft is available for Gold Debit Card users.
How to get and use a gold card for free
A Sberbank gold card is attractive to every client; what it is and what opportunities it provides has already been discussed, but not everyone will want to apply for it due to expensive servicing or a high interest rate. Free registration and service are available for regular clients of the bank.
A loan from Sberbank on a special offer has a reduced interest rate - from 17.9% to 23% per year.
A personal offer can be made to clients who receive wages through Sberbank, have opened deposits or have previously taken out loans. The offer can be received by letter, SMS message or call from an employee.
How to get a Sberbank gold card for free: to do this, you need to receive a personal offer from the lender, then come to the bank branch with a package of documents. You must provide proof of income and proof of permanent employment (salary clients do not need this).
Co-branded gold cards
Sberbank's line of gold cards includes co-branded ones - these are "Give Life" and "Aeroflot". They have their own characteristics and privileges; they can be issued on a general basis or under a special offer from Sberbank.
“Give Life” allows owners to help the charitable foundation of the same name; from the funds spent, the bank transfers 0.3% to it. The minimum loan rate is 25.9% per year, the cost of annual servicing is from 0 to 3500 thousand annually. They are available only from the international Visa system, this gives the client the opportunity to evaluate all the advantages of Visa Gold Sberbank, more details can be found on the official website of the international payment system.
Aeroflot is ideal for those who often use the services of a partner company. Sberbank clients can actively use the card, receive bonus miles and exchange them for air tickets. The cost of annual maintenance is 3,500 rubles, the interest rate on the loan is from 25.9%. Card data is provided only from the Visa payment system.
Please note that the Aeroflot Visa Gold card does not offer free service.
So, free servicing of the Sberbank gold card is available only to regular customers of this organization; for all others, the fee is quite high. But given the fact that more than half of the population of our country chooses Sberbank, each of its regular customers, depositors or borrowers can receive a personal offer.
Sberbank offers its clients a wide selection of cards of different types. One of the most profitable is the gold debit card.
A Sberbank VISA or Mastercard gold card makes a person solvent in almost any situation and emphasizes the status and position of the user.
What privileges and disadvantages does the Sberbank gold card have, compared to other types of plastic, and how to open it correctly in order to enjoy all the benefits? Read more in the material below.
How to open a Sberbank gold card?
Sberbank is one of the first banking institutions to begin issuing Gold category cards.
The main advantage of the Gold credit card is that it has a large limit and low interest rates, and debit plastic, compared to other savings cards, is a higher-quality image product.
Opening a Sberbank gold card is possible only taking into account the rules established by the bank:
- You must have citizenship of the Russian Federation and registration at the location of the Sberbank branch to which the potential card recipient applies;
- The person must be over 21 years old. Gold cards are not issued to 18-year-old citizens;
- The total work experience must be at least one year with the condition: at least six months at the last job.
Where can I apply?
You can apply for a gold card either at a Sberbank branch or by sending an application online through the official website (authorization in your Sberbank Online personal account is required). If the client has chosen the first option, he must present his passport to the employee and fill out an application. Then provide copies of the documents:
- Confirming employment status;
- Confirming financial solvency (2nd personal income tax certificate from work).
Duration of consideration and approval of an application for a Gold card
Sberbank specialists review applications within 1-2 days (the review period for an online application is several hours). After this time and upon approval of the application, a contract is drawn up.
If a client submits an application via the Internet, he needs to come to a Sberbank branch and sign the necessary papers.
The Gold card has beneficial advantages and privileges for all holders of such plastic. This is a high-quality and unique banking product with an exquisite design.
Conditions and opportunities
Using the Gold card includes the following conditions:
- The main currency is the ruble, but you can keep money in dollars and euros on a debit card;
- A banking product is issued for a period of three years. After the expiration date, the client can either renew the contract or receive a similar product (no commission is charged for re-issuing the card after its expiration date). If you wish, you can completely close your cash account;
- There is a 50-day grace period for the Gold credit card. It includes a 30-day period for using loan funds and 20 days for repaying them. Thus, the plastic holder may not pay interest to the bank for using credit funds for a period of 20 to 50 days;
- The service fee for a gold card from Sberbank is 3 thousand rubles;
- The Gold card can be extended by the bank;
- If you wish, you can activate the bonus program: “Thank you from Sberbank.” (Do you know: where you can pay with Thank You bonuses?)
It is worth noting that the Sberbank gold card, unlike low-class cards, has an important advantage: it is equipped with an electronic chip and has an increased degree of protection during online transactions through international payment systems. Its use is not limited to the territory of Russia.
The Gold card is easy to use, has clear service and a pleasant design. In addition, Sberbank clients have a unique opportunity to receive a personalized Visa Gold card. You can only order a card with an individual design online.
Cons and pros
Obtaining a Visa Gold debit card from Sberbank has many advantages:
- Possibility to use it as a salary;
- Convenient conversion;
- The conditions for withdrawing funds in Russia and abroad are identical (more about what percentage is set for withdrawing cash from a Sberbank credit card);
- Improved protection using an electronic chip. If it is lost, a stranger will not be able to use it. Also, an attacker will not be able to hack it;
- Registration of an additional daughter card for a child;
- Action of bonus programs.
You can do it in any convenient way: through payment terminals, ATMs, using Mobile Banking, the Visa Direct service, using the Sberbank Online program and at the bank’s cash desk.
Disadvantages of gold debit cards include:
- Expensive maintenance of a Gold credit or debit card is one of the main disadvantages of plastic;
- Short validity period - three years;
- High percentage of commission for cash withdrawals - 3-4%;
- The minimum withdrawal threshold is 390 rubles.
Despite the existing disadvantages, issuing an expensive debit card will significantly simplify the life of the user and provide the most convenient conditions for conducting monetary transactions both in Russia and abroad.
Discounts in stores using a Sberbank gold card
Many holders of Gold cards from Sberbank noticed the rapid accumulation of Thank you bonuses before they learned about the increase in the percentage of accruals.
Shopping in supermarkets has become 2 times more profitable, meetings in cafes have become 10 times more profitable!
The terms and conditions of the loyalty program apply to both existing and new customers. Let's take a closer look at them and other possibilities of gold plastic.
What is a gold card?
Plastic products of the Russian market leader are divided into 3 levels:
- Classic;
- Gold;
- Premium.
Classic represents a standard set of functions necessary for its use instead of cash.
The terms of service for premium products are largely determined by payment systems.
Gold belongs to a level of service that is called “advanced features” in some countries. In Sberbank these are increased limits, cashback, Visa also provides customer support when traveling.
How is it different from the usual
Let's compare the main characteristics. Let’s compare gold and classic cards without preferential conditions, expanded or simplified features:
Classic/Standard | Gold | |||
---|---|---|---|---|
Debit | Credit | Debit | Credit | |
Cost of maintenance in the 1st year, rub. | 750 | 750 | 3000, opened before 05/31/18 - 1500 | 3000 |
For each subsequent year, rub. | 450 | 750 | 3000 | |
Reissue due to the fault of the holder, rub. | 150 | 0 | ||
Loan rate | - | 27,9% | - | 27,9% |
Credit limit | - | Up to 300 thousand rubles. | - | Up to 300 thousand rubles. |
Total daily maximum cash withdrawal | Absent | 150 thousand | Absent | 300 thousand |
Commission for issuing in foreign countries in case of problems with plastic | 6 thousand rubles. for each operation | Absent | ||
Accrual of bonuses | According to the general rules of the program | Possibility of receiving higher | ||
Mobile bank full version | 60 rub./month. | For free |
What does it give?
Sberbank Gold performs the main functions of a means of payment: payment, transfers, cash withdrawal, and additional opportunities for the holder:
- increased limits for cash withdrawals and transfers;
- reissue without commission;
- free cash withdrawal abroad in case of loss or malfunction of the plastic card;
- increased cashback.
How much money can you withdraw per day?
From debit:
- at the ATM and Sberbank cash desk 300 thousand rubles;
- in terminals of other organizations 300 thousand rubles;
- Sberbank does not set a limit at the cash desks of third-party organizations.
From credit:
- total limit 300 thousand per day;
- through the Sberbank terminal 100 thousand;
- through its cash desk, third-party ATMs and cash desks - 300 thousand.
Limits
The most current daily limits are listed in the previous section. Let's list the rest.
By debit Gold:
- receiving cash through Sberbank per month – 3 million rubles;
- There is no general monthly limit; if necessary, you can contact a third-party bank;
- maximum cash replenishment – 10 million per month;
- there are no limits on transfers through the Sberbank cash desk;
- transfers through mobile and online banking, terminals are limited to the amount of 301 thousand rubles. per day;
- emergency issuance in case of problems with plastic abroad is limited to the available balance, as well as 5 thousand US dollars.
Gold credit card limits:
- There is no monthly cash withdrawal limit;
- the credit limit is considered individually, for pre-approved products its maximum amount is 600 thousand rubles, on a general basis - within 300 thousand rubles;
- in case of loss or damage to plastic abroad – a maximum of 5 thousand US dollars, within the limits of the funds available on the card;
- You can deposit up to 10 million rubles in cash. monthly.
What's the catch?
The product is not useful for those who:
- does not require increased cash withdrawal limits;
- It is unlikely that you will end up abroad without funds other than on a Visa/MasterCard;
- spends less than 15 thousand rubles per month using non-cash payments in stores.
Cashback and discounts
By paying with plastic in stores in the amount of 15 thousand per month, you receive increased cashback from Sberbank throughout the next month. For amounts less than 15 thousand, the accrual according to the general rules of the program is at least 0.5% of the purchase.
Sberbank bonuses can be spent on goods and services of program participants. There are several dozen of them. Points are awarded and accepted under different conditions.
Visa clients receive discounts from system partners in all countries - in hotels, outlets, excursion companies, car rentals and other tourism sellers.
Among MasterCard's partners are chain cinemas, shops, and restaurants. You get discounts by paying with MasterCard at the checkout. Holders can activate cashback and exchange it for numerous certificates from chain stores.
MIR is a young system without affiliate loyalty programs. As an incentive, participation in a promotion is offered, the winner of which receives a million rubles.
Find out the latest lists of partners and promotions on the websites of payment systems and banks.
Are there any cards with free service?
Sberbank clients who have proven their reliability receive offers to apply for a loan product without paying annual maintenance. It could be Visa or MasterCard. MIR is not represented in the segment and is not among the pre-approved proposals of Sberbank.
Sberbank gold card line
Debit Gold works in Visa, MasterCard, MIR systems.
Visas and MasterCards are issued as credit cards. They are served at 2 tariffs: pre-approved (preferential) and mass offer.
Co-branding and charity visas have features in the calculation of bonuses. Details below.
Visa
Holders receive the benefits of gold plastic from Sberbank. The payment system offers a service available in most countries of the world:
- free technical support;
- discounts from partners;
- medical and legal support.
The last service includes:
- remote consultations with doctors;
- organization of treatment, including hospitalization, repatriation, evacuation, transportation of remains at the expense of the client or his relatives;
- legal advice on obtaining a visa, vaccinations in the country of travel, finding lawyers and translators.
Standard
A common and basic type of banking gold products. The operating and maintenance features that we reviewed earlier are typical for.
Aeroflot Gold
The co-branded product was developed jointly with the air carrier specifically for regular travelers. Differences from the standard Golden Visa:
- service cost is 3,500 rubles per year for debit and credit, on a general basis and pre-approved;
- bonuses from Sberbank are awarded only from partners of the Thank you program;
- holders receive cashback for all purchases in miles, which can be exchanged for goods and services of Aeroflot and its partners;
- allows you to enjoy the privileges of the SkyTeam alliance.
For frequent flights, the benefits are several times higher than from other cards.
"Gift a life"
The terms of service for the joint plastic of Sberbank and the charitable foundation are similar to a regular gold product, except for the cost:
The Bank transfers the following funds for the treatment of seriously ill children:
- half the amount paid for the 1st year of service;
- from the owner’s account 0.3% of card payment transactions;
- the same amount (0.3%) from own funds.
MasterCard
Provides issuer benefits. The payment system offers the same privileges for purchases as with MC Standart: discounts at entertainment venues and stores participating in affiliate programs, MC Rewards cashback, as well as 24-hour technical support in most countries.
Distinctive features:
- suitable for budget payments;
- there is no credit offer;
- Non-cash payment is possible in Crimea;
- not accepted in most countries.
Debit
The card allows you to:
- receive and send transfers;
- withdraw cash without commission;
- pay by bank transfer;
- gain remote access to your account;
- enjoy the privileges of the bank and payment system.
Conditions and cost
Debit Gold:
Visa | MasterCard | WORLD | |
---|---|---|---|
Service fee | 3000 rub. annually. For those who registered from March 1, 2013 to May 31, 2018, the first year is 1,500 rubles. | ||
Reissue for any reason | For free | ||
Validity period, years | 3 | 5 | |
Account currency | Ruble/euro/dollar | Ruble | |
Emergency cash withdrawal fee abroad | Absent | Absent, but in most countries issuance is not possible | |
Mobile bank | For free |
Salary
The product is a regular debit Gold, which regularly receives payments from the employer.
The holder, on his own initiative, can order Gold, provide details to the accounting department, and pay for the service himself. In some organizations, a Sberbank gold debit card is issued as an incentive for all or individual employees at the expense of the employer.
When applying on your own, remember that since 2017, salaries from the budget can be received exclusively without the participation of the services of foreign companies. Visa and MasterCard are not suitable for public sector employees, only MIR is acceptable.
Attention! Upon dismissal, the salary card remains in hand. The catch is that the employer no longer pays for it, the amount for the service will be debited from your account. For Gold it is 3000 rubles. If you wish, you can refuse by notifying the bank before the next payment or immediately after dismissal.
Advantages and disadvantages
Benefits of Debit Gold:
- increased daily limits;
- always free re-issue, mobile bank, as well as emergency issuance of money in foreign countries;
- opportunity to receive increased cashback.
The disadvantages include:
- relatively high cost;
- useless if you don’t need to withdraw cash in excess of 150 thousand rubles per day, and payments by plastic card are less than 15 thousand rubles. per month;
- modest privileges compared to platinum and black plastic, the price of which starts at 4,900 rubles per year.
Credit gold card
Convenient for non-cash payments, especially if you are missing some amount before payday. Allows you to withdraw cash, but in order to avoid abuse of bank funds, the service is paid.
Sberbank calculates the credit limit individually within the established limit by product type.
The main difference between a gold credit card and a regular one is increased daily limits, cashback, and free emergency cash withdrawals.
Terms of Use
Credit Visa/MasterCard Gold:
Pre-approved | On a universal basis | |
---|---|---|
Service | Free | 3000 rub. annually |
% on loan | 23,9 | 27,9 |
% for penalty | 36 | |
Credit limit | Up to 600 thousand | Up to 300 thousand |
Receiving cash | Commission minimum 390 rubles, 3% in Sberbank, 4% in third-party banks | |
Reissue, regardless of reasons | For free | |
Cash withdrawal abroad if it is not possible to use a card | ||
Mobile bank |
How to use it correctly
For proper use, a general understanding of interest calculation and regular account monitoring are important.
Find out the date of the report on the card. It is indicated on the PIN envelope received along with the plastic card, as well as in your personal account online on the page with information about the credit card. For the next re-issue without changing the PIN, this is the date preceding the issue.
Each month, a new period begins on the day after the report, ending with the report day of the next month. 20 days after its end are preferential.
Throughout the entire reporting and grace period, you can repay the debt incurred during the reporting period without interest. Thus, interest-free installments range from 20 to 50 days. You can correctly calculate the period yourself or look it up in Sberbank online.
The next day after the end of the grace period, the system will calculate the repayment for 20 months, regardless of the validity period of the plastic. Interest will be accrued starting from the date the debt was incurred. You will have a mandatory payment of 5% of the principal debt +% for use.
The bank will inform you via SMS about mandatory payments; detailed information is available in the online account. If there is overdue debt, a penalty of 36% per annum will be charged.
Interest-free installments do not apply
For transactions for which interest is accrued from the 1st day:
- cash withdrawal;
- payment for gambling business services;
- purchases that have been linked to illegal activities.
Advantages and disadvantages
The benefits of credit Gold include:
- double daily limits compared to standard products;
- attractive cashback;
- free services: mobile banking, any reissue, issuing cash abroad if it is impossible to use plastic;
- the opportunity to use a Sberbank gold credit card for free while maintaining favorable conditions.
Let's call the disadvantages:
- expensive servicing and reduced credit limit for mass supply;
- issuing paid Gold makes sense only when spending in stores on the card exceeds 15 thousand per month;
- privileges from payment systems are largely similar to classic offers (their cost is 4 times cheaper); there are no benefits at airports.
How to get a gold card
Anyone can submit an application at the branch or through the website and wait for consideration. If the decision is positive, get it.
Many existing clients receive a pre-approved offer from the bank for a preferential credit card.
Approved proposal
Clients with a good history with Sberbank may receive an offer to issue a gold credit card with free service.
The bank informs you through your personal account online, via SMS, the manager can call you or inform you during a personal visit to the branch. Confirm your consent through Sberbank online or in the office, having previously read the terms and conditions. The card will be ready within 2-3 weeks, and you will receive an SMS notification when it is received for issue.
If you have no desire to use the product, ignore the approval, it does not oblige you to anything.
How to apply through the branch
To apply for debit Gold, a passport will be enough; if the registration is temporary, present a certificate. To apply for a loan, you will need proof of financial solvency.
If you do not receive salary payments through Sberbank, provide 2-NDFL or an account statement from another bank, declarations or other evidence of income. Participants in Sberbank salary projects are not required to provide certificates.
After presenting the documents at the office, fill out the application together with a bank employee, read the rules, tariffs, and sign.
In 2-3 business days you will receive an SMS notification that your application has been reviewed. When you are approved for a gold debit or credit card, wait for a message indicating it is ready for issue. Depending on the region, this takes from 2 to 14 days, sometimes more. Get plastic.
Order online
Remote processing will be slightly different depending on whether you are an existing or new client, or whether you are using remote services. In any case, you can find a page with the Gold you are interested in on the Sberbank website and click on the checkout button. Next, follow the instructions on the website.
You will receive a message with the result of the review. If the bank agrees, wait for an SMS about the readiness of the plastic. Receive it using your passport at the office indicated in the application.
other methods
If you have been approved for a gold card at the initiative of the bank, you will see a notification about this at the ATM. You can print it out and bring your passport to the department for complete processing.
Review Reviews
In positive reviews, clients note increased bonuses, free mobile banking, and discounts from Visas abroad.
Most users note the high cost.
Negative reviews are caused by the accrual of interest on credit cards. Participants in salary projects are sometimes offered free Gold. Holders, without understanding it, begin to use it. The lack of an accurate understanding of the effect of preferential installment plans leads to a rapid increase in debt.
Conclusion
Before you receive a Sberbank gold card or close an imposed one, weigh for yourself all the pros and cons of the product. Carefully study the tariffs and description of services.
When comparing Golden Visa and MasterCard, check out their affiliate programs. Visa offers more benefits when traveling. MasterCard has a more attractive cashback. MIR allows state employees to receive salaries based on Gold.
Regardless of the type of gold plastic, Sberbank will provide the opportunity to receive increased “Thank you” bonuses.
Sberbank is a leader among banking organizations in the Russian Federation and one of the largest banks in all of Eastern Europe. Its specialists strive to constantly offer clients new, more profitable and attractive conditions. One of these proposals is a gold credit card, which will become a “lifesaver” for people who are often forced to take out loans.
“A gold card from Sberbank is, firstly, a thing that symbolizes the status of its owner. Secondly, this product gives its owner many privileges and special conditions for its use.
Sberbank gold credit card: how many types are there?
Visa Gold (Visa Gold Sberbank)
MasterCard Gold (Mastercard Gold)
Visa Gold “Gift of Life”
By the way, the Apple Pay service is available for Sberbank MasterCard card holders
Sberbank gold credit card - who can become a holder
When wondering how to get a profitable credit card, potential clients turn to bank specialists, where they are told the basic requirements for holders of this credit card.
Here are the conditions for obtaining a Sberbank credit gold card:
- Citizenship of the Russian Federation, as well as permanent registration in one of the regions of our state;
- The applicant's age must be between 21 and 65 years of age;
- The potential card holder's work experience over the past five years must be at least 12 months. Moreover, you need to work at your last job for at least six months.
- If the applicant does not receive his salary from Sberbank, then he is required to provide a certificate confirming his income, as well as a copy of his work book with a record of employment.
By the way, a Sberbank gold credit card can also be approved for persons who do not have Russian citizenship and registration in the country. In this situation, employees of the financial institution will make a decision on an individual basis.
Sberbank gold credit card - who can become its owner
Any person from the list of its clients who actively uses the services of this financial institution can receive such a tempting offer and become a holder of a Gold-status credit card from a well-known bank. Also, the issuance of a Gold format card is provided for any applicant, however, the conditions for using this banking product in this case will not be so favorable. For example, regular bank customers will not have to pay for annual card servicing, whereas for other people this service will cost 3,000 rubles.
An offer to issue a Sberbank gold credit card can be made to a person who has a debit and salary account, as well as to a borrower or depositor of any type of loan except for a card loan. Information about the offer can be received by the client in a letter (by mail) or by calling a specialist. The client can also approach the manager at a bank branch convenient for him and find out whether he is included in the number of eligible persons for issuing a gold credit card from Sberbank.
If you have activated the Sberbank Online service and such a card has been approved for you, then when you enter your SBOL personal account you will see the following message:
Sberbank gold credit card conditions
Sberbank specialists issue a gold credit card on very favorable terms of use:
- The credit limit of the person using the product can reach up to 60,000 rubles;
- The annual rate percentage ranges from 25.9 (for long-time clients of a banking organization) to 33.9% (for new users);
- Payment for annual card maintenance may be charged from 0 to 3,000 rubles for 12 months;
- Cash withdrawals from ATMs owned by Sberbank will cost 3%, and from ATMs of other banking organizations - 4% (the amount of interest charged cannot be less than 100 rubles);
- The duration of the grace period, during which no interest accrues, reaches up to 50 days;
- The card is valid for three years;
- An electronic chip equipped with security mechanisms allows the card to be used in most terminals in European countries;
- The service does not involve additional or secret commissions;
- The card holder has the opportunity to participate in many promotions and receive various discounts;
- When the settlement occurs in the currency of foreign countries, its conversion is carried out at the rate established by Sberbank on the day of the operation;
Advantages of a Sberbank gold card
- The most important advantage is high limits on transactions. For example, per day the card holder can withdraw from Sberbank ATMs up to 100.000 rubles
- Emergency receipt of funds if the user has lost the card while abroad. So, if the card is lost, damaged or stolen, its holder can receive cash in the amount of up to 5 000$ without any commissions.
- All kinds of bonuses that the user receives not from the bank itself, but from the selected payment system. For example, a “Visa” allows the holder to participate in the “World of Privilege” program, which is extremely widespread throughout the world and has 20,000 points on our planet.
- Using remote resources to solve problems, receive advice and conduct transactions (Mobile Banking, Contact Center, Sberbank Online).
- Payment of utilities, as well as services of mobile operators, thanks to the Autopayment service.
- Several different options for replenishing your card account, including transfers from other accounts.
- Possibility of using free SMS banking, informing the client about all balance changes.
Disadvantages for holders of Sberbank gold cards
The disadvantages of gold cards offered by Sberbank include:
- Inability to receive additional cards that would be linked to the main card in a single account;
- Penalty for late loan can reach up to 36% per annum
- Absence Cash-back, namely the opportunity to return a certain amount from purchases at certain retail outlets.
Ways to top up your credit gold card
Topping up your Sberbank Gold Card is possible in several convenient ways:
- Transfer of funds to a card from the account of another Sberbank card. To carry out such operations, it is possible to use ATMs and payment systems. In addition, other convenient bank services, such as the Internet or mobile banking, can come to the rescue.
- You can deposit funds into your account using the terminals of Sberbank itself, as well as ATMs of other banking institutions. Top up your account with the help of a manager at bank branches. To carry out this operation, you need to provide the card number or the number assigned to its account. In addition, the client must provide a passport, as well as a package of documents that he received together with the Sberbank gold credit card.
Interest on Sberbank Visa, MasterCard, Podari Zhizn cards
The first interest for using credit funds is accrued the next day after the debit transaction was carried out. In order not to pay the interest accrued to him, the client will need to return the amount spent before the date specified in the terms of the contract. When the borrower cannot repay the debt in full, he will need to replenish the account by any amount, the amount of which cannot be lower than the minimum payment. According to the bank's agreement, this amount is 5% of the debt. If the client deposits the money on time, no penalties will be applied to him, but interest on the amount of the debt will accrue until the borrower repays it.
If the minimum payment deadline is missed, the lender stops accruing interest on the principal amount of the debt. In this situation, the bank charges a penalty of 36% on the entire amount of debt.
When the cardholder does not liquidate the debt by the end date of the grace period, but does not forget to make the obligatory payment, the amount of interest accrued on the funds spent is included in a new report. Moreover, they are accrued for the entire amount of the debt.
On the Internet you can find many reviews about this Sberbank product, and user responses are both positive and quite negative.
Clients often ask: to take or not to take such a card? The answer is obvious. This is still a credit product, and if the additional credit burden does not bother you, you should take it. Otherwise, we recommend ordering a debit gold card from Sberbank.
It is worth noting that with a competent approach to using the product, its advantages still outweigh the disadvantages, and owning a card gives the client quite a lot of advantages.
- Sberbank business online 9443 instructions for bank-client clients
- MIR payment card for public sector employees
- CI or credit bureau
Sberbank of Russia has long been one of the leaders in issuing credit and debit cards on the market. Many Russians, who enjoy using entry-level and classic bank cards, sooner or later think about purchasing status, “golden” plastic.
What is the bank ready to offer its consumers, why is the Sberbank of Russia gold card so good, what are its pros and cons? Let's figure it out.
What is it, the advantages of Gold category plastic for payroll clients
Gold is a category that includes plastic cards of the international payment systems Visa and MasterCard. “Golden” plastic is, first of all, an indicator that its owner is a loyal and long-time client of a banking institution.
Most users can only receive a card based on an individual offer from the bank– if there is a deposit in the accounts, or active and careful use of credit products.
Sberbank also issues “golden” cards owners of individual entrepreneurs, employees of salaried enterprises, general directors and, in general, clients with a confirmed high income.
NOTE! A Gold category card based on an individual offer from the bank is issued and serviced free of charge.
The “gold” category allows its holder to enjoy an expanded package of bonuses and privileges. Among them are increased rates, special insurance when traveling abroad, and the possibility of urgent withdrawal of funds in a foreign country in case of sudden loss of the card. And this is only part of the bonuses.
On the pages of our website you will also learn how, and how profitable its offers are!
Credit offers, limit
A “golden” credit card from Sberbank is a clear indicator that you have succeeded as a client of the institution. This plastic is offered only to loyal payers who closed more than two loans without a single delay, or persons receiving a salary of more than 50 thousand rubles per month.
And Gold is also issued to holders of deposits whose amount exceeds 500,000 rubles.
To receive a card issued on an individual offer from the bank, no proof of income or employment required– just sign the loan agreement and activate the plastic card.
If you apply for a “golden” credit card “off the street”, without being a client of Sberbank, you should not count on favorable conditions. Yes, and you will have to confirm your income.
Maintenance: 3,000 rubles per year.
Grace period for service: yes, up to 50 days.
Credit limit: up to 600,000 rubles (initially, a limit of 100-200 thousand is set for new clients, with the possibility of increasing).
Interest rate for using borrowed funds: 25.9% per year (19.9-21.9% for existing clients).
Requirements for the borrower: age 21-65 years, permanent residence in the Russian Federation, work experience in the last place - at least 12 months.
Features and benefits of debit cards
For those who want to take advantage of available bonuses, have an increased bonus and receive interest on the balance of their own funds in the account, Sberbank gold debit cards are suitable.
Advantages: extended package of privileges, convenient management, fast deposit of funds, the ability to top up your account via SMS, the ability to create an image of a loyal client for lending large amounts in the future.
Flaws- annual maintenance fee.
Status plastic is an indicator of your financial well-being, and can even become one of the tools to confirm solvency when lending to another bank. Those who often travel abroad will appreciate the opportunity to exchange currency between accounts at a preferential rate.
Cards have three accounts: rubles and dollars for Visa, rubles and euros for MasterCard. In addition to one account, you can open up to 5 cards, including for children starting from the age of seven.
Service: 3,000 rubles per year.
Contactless payment: yes, for Visa.
Bonuses, privileges, annual service cost
Surely you have already become interested - what bonuses and benefits does Sberbank offer to gold card holders- Let's see:
- free insurance for those traveling abroad;
- the opportunity to sign up to join the “Gift of Life!” program a card from each purchase through which funds will be transferred to a fund for children with cancer;
- preferential medical care;
- discounts in more than 20 thousand stores, restaurants, hotels around the world (information about them can be found on the websites of payment systems);
- additional protection of funds in the account;
- participation in the “THANK YOU” program - accumulate points by using them to pay for purchases and entertainment with partners;
- emergency issuance of money if the card is lost abroad.
USEFUL TO KNOW: Withdrawing funds from Sberbank’s own ATMs is commission-free; the card can be linked to electronic wallets.
And finally - The “golden” card is a privilege from the bank for its beloved clients, as mentioned above. Receiving an extended list of bonuses for free, or pre-approved plastic with a limit of up to 600 thousand is undoubtedly pleasant.
Conditions for receiving, how to apply online
You can apply for a “golden” card provided that you meet the requirements established by the bank for this category of plastic. What are these requirements?
Firstly, It is mandatory to have permanent registration on the territory of the Russian Federation(stateless persons or those without registration will be denied the product).
Secondly, age – from 21 years, it is necessary to present documents (passport, income certificate and a copy of the work book) if you are a new client.
There are two options for how to order and receive a “golden” credit or debit card from Sberbank:
- leave a request for production using the website online;
- fill out an application at a bank branch.
The first one is more convenient and mobile, especially for those who have a Sberbank personal account.
Simply log in, select the type of card you are interested in and click the “Order” button. After making the plastic, you will receive an SMS notification, and the card can be picked up at the branch.
The second option on how to open a Sberbank gold card is go to the nearest Sberbank office convenient for you, and leave an application for the production of a card there.
It will take no more than 15 minutes. The bank makes a decision on issuance within 2-3 days and produces a personalized Sberbank gold card. Immediately after it is sent to the desired office, you will receive an SMS informing you that you can come and receive a card.
IMPORTANT! The card is stored at the branch for 30 days; if the client does not pick it up during this time, the plastic is destroyed.
If you applied for a debit card, you will need to present your passport and a second document; for a credit card - a passport, a second document, a certificate of income and a copy of the extract and work book.
Terms of use
How to use a Sberbank gold credit card correctly? Before use your new card must be activated. To do this, you can wait until the bank itself performs the operation (within 24 hours from the moment you sign the service agreement) or carry out the first transaction using a PIN code.
Managers at the branch help clients with self-activation, for which an ATM or payment terminal is usually used. An annual service fee is paid to the card account and at the same time it is activated. After which you can pay her for purchases in stores, shopping centers, the Internet, withdraw cash and make transfers.
ATTENTION! For “gold” cards, all transactions must be confirmed using a PIN code, which is issued along with the plastic card.
Plastic is fragile, so It is important to keep your debits carefully. Do not damage the magnetic stripe, do not give the card into the wrong hands. If you lose your card or PIN code, immediately call the Sberbank hotline and block it.
Replenishment, cash withdrawal
In order to use your new payment method, you must first top up your bank account.
You can do this in the following ways:
- transfer funds using mobile banking via SMS;
- deposit them through an ATM or payment terminal;
- top up your account at the cash desk;
- make a transfer from another bank;
- withdraw cash to a card from an electronic wallet.
There are already funds on the credit card, but You will be required to make monthly payments towards your debt., and this is done using the methods described above. The easiest and fastest, given the huge number of them in all corners of Russia, is to deposit money through an ATM with a cash-acceptance function.
To do this, insert the plastic into the device, enter the PIN code and select “Top up your account”. Enter the required amount and insert the bills into the receiver. Once the transaction has been processed (1-3 minutes), the funds will be available for use.