Master cards gold sberbank credit benefits. Credit card Sberbank Gold: conditions and privileges
The reputation of the largest financial institution in the Russian Federation has suffered significantly due to the unbridled activity of the staff. In an effort to fulfill the plan for the implementation of the product, bank employees impose the MasterCard Gold Sberbank credit card on almost all customers who have reached the age of 18. It is better if the loan registration or indignant refusal will be preceded by a careful study of the terms of the offer.
The offer is free information
Offers to get a loan are pouring into the bank's stunned customers in an endless stream. Whenever contacting a branch or by calling the toll-free number 8-800-555-55-50, Sberbank employees will necessarily translate the conversation to the merits of MasterCard Gold Sberbank, informing at the same time that it is “now Best offer". More often, young people quickly respond to a correct “thank you, I don’t need this,” a particularly impatient client can afford to simply disconnect or turn his back on the annoying consultant.
It is practically impossible to restrict the avalanches of SMS arriving at a phone number, at least for ordinary bank customers. Having to constantly read and delete large numbers is a dubious pleasure. At the same time, information about an already approved loan for a specific amount and the Gold Sberbank Master Card itself suddenly appears in the "Personal Account" of Sberbank-online, and there is a "register" button, but there are no "refuse" or "delete" buttons.
Such an onslaught from the bank causes irritation in some, and fear in others. An offer is not an obligation. A consultant can endlessly describe the advantages of a banking product, but cannot force the client to issue it. Likewise in the case of SMS, "Internet bank". This is also just information. "Hanging" in " personal account»The credit card disappears, leaving not the slightest trace of financial obligations.
Advantages of "golden plastic"
"Credit card - bank in your pocket" is one of the most common slogans. Indeed, a piece of plastic in your pocket makes it possible to realize your dreams: to make repairs, take an exciting journey, buy previously inaccessible things. It is enough to issue it once in order to ensure yourself the opportunity to receive a new loan immediately after repayment of the previous one within the limits of the card's face value.
MasterCard Gold Sberbank card is:
- privileged client status - an individual approach, round-the-clock consulting support;
- financial freedom around the world within the credit limit (300,000-600,000 rubles) - the same conditions for non-cash payments, as well as receiving cash, including the loss of a "gold card" in Sberbank branches of Russia and other countries;
- programs of bonuses and discounts from Sberbank and international payment systems;
- increased level of protection - 3D-secure technology;
- conducting transactions in the "personal account" of "Sberbank-online" or " Mobile Bank"- making transfers and payments (including" auto payments ");
- replenishment in cash, by bank transfer in the account currency, as well as "electronic money";
- "Binding" to the wallets of electronic payment systems - WebMoney, Yandex, Qiwi;
- 50 days of the grace period - the interest-free "benefit" applies only to funds spent for non-cash payments;
- registration of additional cards - for children from 7 years old.
When withdrawing cash from Sberbank ATMs, a commission of 3% is charged, in terminals of other banks - 4%, but not less than 100 rubles.
The size of the interest rate is determined individually - from 25.9 per year. Replenishment of privileged cards is possible in cash and non-cash. The cost of the annual service is 3000 rubles.
Additional terms
Any Russian citizen aged 21–65 can receive a gold card. Strict requirements are imposed on the place of registration - only in the Russian Federation, work experience - at least 1 year and at least 6 months at the last workplace.
Holders of "salary" cards, as well as customers who actively use debit accounts, loans are offered credit card Master Card Gold Sberbank on special terms:
- reduced interest rate;
- free annual service.
No need to submit an application, worry while waiting for its approval - the card is already ready.
To take or not to take?
The question is decided by each person based on specific circumstances. Additional expenses do not fit into family budget- you can refuse. If serious purchases are postponed for the future in the range of 1-3 years, then the Master Card Gold Sberbank card with conditions for privileged clients will be the key to the implementation of the plan.
What if the card is still imposed?
Credit cards are especially actively “handed out” to debit card holders: students, retirees, and working people. The most simple circuit: When replacing an expired card, two cards are issued - debit and credit.
In educational institutions at enterprises, such events are carried out by field specialists. There is a queue, everyone is in a hurry, they quickly sign contracts without reading them, they take envelopes, in which, upon opening, they find two cards instead of one. With pensioners, the bank's managers do not stand on ceremony at all - they give documents for signature and a card.
If the document has your signature, then it will not work to prove the illegality of the actions of the Sberbank employees. You just need to go to the nearest branch as soon as possible and close the card. You should carefully read all paragraphs of the documents issued for signature, ask questions and, if necessary, contact the senior manager, in contact center, even to a paid lawyer - until a positive result.
Students and retirees are the “weak link”. The former are not yet able to come to a solution financial issues Responsibly, the latter can no longer do this. To identify the "plastic" available to children and parents, you can call the phone " hotline»A bank (prepare a passport and a contract in advance) on their behalf. The method is not entirely legal, but it allows you to get accurate information about the type of card (credit or debit), conditions tariff plan and the amount owed (if any). It is better if the owner of the banking product hears your conversation with the consultant. You will have to take a direct part in the process of closing a card account.
The popularity of classic and gold debit cards of Sberbank, in particular, is due to the fact that this type makes it possible to take advantage of all the advantages banking services remotely, and also provides a number of bonuses.
Pros and cons of gold debit cards
Gold status cards are created to distinguish their holders, to indicate a special social status. Gold cards have both advantages and disadvantages.
Benefits of a gold debit card
Advantages:
- accounts are usually opened in one of three currencies. This is either the Russian ruble, or the US dollar, or the euro;
- card blanks provide contactless payment Mastercard and Visa, as well as Apple Pay, Samsung Pay, Google Pay;
- usually the issuer offers free SMS informing about all movements of funds on the account;
- freedom of settlement in any part of the world at any point of sale that works with non-cash payments, in any currency at any time of the day;
- the ability to make online purchases;
- increased limits on transactions, including cash withdrawals;
- security of operations, ensured by an appropriate three-level security system;
- no need to declare funds when traveling abroad;
- access to promotions arranged by the relevant payment system;
- obtaining a minimum list of medical services while traveling abroad;
- access to VIP lounges;
- the possibility of booking a hotel room by phone;
- most banks offer the issuance of additional cards to the main ones. In this case, additional cards are endowed with all the privileges intended for the main one.
When using a particular card in Russia, its advantages are determined, to a greater extent, not by the payment system, but by the policy of the financial and credit organization that issued it.
Gold debit card problems
The main disadvantages of cards with gold status are that the privileges provided to their holders are best manifested only when traveling abroad, and also that various preferences (bonuses and discounts) can be obtained only in premium stores.
Other disadvantages:
- short term of validity of the card form - more often it is 2 years;
- expensive possession - from 3,000 rubles per year for the main card form, from 2,500 rubles for each additional;
- re-release is often paid.
Benefits of VISA Gold cards
- discounts, gifts and special treatment from friends of the payment system;
- 50% discount on the purchase of a loyalty card Priority Pass, and some issuers provide it for free;
- reliable protection of the 3D-Secure level - Verified by Visa;
- support in the native language in emergency situations related to health and legal incidents;
- GCAS - emergency support in case of loss of a card (blocking, re-issuing, one-time issuance of an amount within $ 5,000).
Benefits of MasterCard Gold cards
- three-level system of protection of transactions on card accounts Mastercard SecureCode;
- “Priceless Cities” premium program, which helps to find the most interesting places while traveling and receive various preferences when visiting them;
- money transfers in the social networks "Odnoklassniki" and "VKontakte".
Sberbank gold debit card
Elite cards of Sberbank are cards:
- WORLD Gold;
- MasterCard Gold and Visa Gold;
- Aeroflot Visa Gold.
What is the difference between a Sberbank gold card and an ordinary one
The bank's gold cards differ from the classic ones as follows:
- Gold status is a more expensive annual service;
- letterheads premium cards have an appropriate appearance;
- increased limits on transactions;
- special services, expressed in the accelerated acceptance of calls to a multichannel telephone line;
- more significant bonuses under the “Thank you!” program;
- free disbursement of cash in case of emergency;
- in case of compromise of the card blank, the urgent re-issue is free;
- open access to premium programs of Visa and MasterCard payment systems for the Gold level;
- free "Mobile Bank".
The increased coefficient applied for the accrual of “Thank you” bonuses for premium customers is also valid for purchases abroad.
Features of the Sberbank gold card
A significant advantage of the products of this bank is well-thought-out and affordable customer support, implemented through:
- wide ATM network;
- round-the-clock support by multichannel number 900;
- Internet banking "Sberbank Online";
- mobile application;
- mobile banking.
The daily limit for free cash withdrawal is 300,000 rubles, the monthly limit is 3,000,000 rubles. Sberbank gold cards are easily tied to electronic wallets, for example, to Yandex.Money or Webmoney. Scheduled emission is free of charge. There is no custom design for such products.
Receiving cash at the offices and cash desks of third-party banks - 1.25%, but within the range of 30 - 1,000 rubles.
Sberbank gold card: discounts in stores
Sberbank implements the "Thank you!" Bonus program ... According to its terms, holders of gold cards receive up to 5% cashback, which can be used to pay at bank-friendly stores. It is also possible to receive up to 20% discounts for cashless payments from the bank's partners.
Sberbank gold card "Give life!"
According to the terms of the product "Give life!" 0.3% of each check goes to charity, to the Gift of Life!
The card currency is exclusively Russian ruble. The card form is valid for 3 years.
Sberbank MIR gold card
MIR card is intended for work in the domestic market. The form is protected from counterfeiting by a hologram, a built-in chip, and supports contactless payment technology.
The form is valid for 5 years. You can connect a transport application. Emergency cash withdrawal is not provided.
There is a possibility of emission within the framework of salary projects, according to the terms of which the service fee can be paid by the employer.
Among the disadvantages of the card are the impossibility of payment:
- phone;
- abroad;
- in online stores that do not accept this type of card.
MasterCard Gold and Visa Gold
MasterCard Gold and Visa Gold cards are opened in US dollars, euros or Russian rubles... The form is valid for 3 years.
When applying for the issue of MasterCard Gold and Visa Gold before 31.12.2019, a 50% discount is provided for the payment of the 1st year of ownership.
Aeroflot Visa Gold
The main advantage of the Aeroflot series is access to participation in the corresponding air carrier program. For every 60 rubles spent, 1.5 bonuses are awarded. Upon opening an account, 1,000 welcome miles are presented. The reward can then be used to pay for tickets for flights of Aeroflot and its partners.
The form is valid for 3 years. The account can be issued in Russian rubles, US dollars or euros.
How much does the annual service of the Sberbank gold card cost?
The cost of using cards differs somewhat, taking into account their type:
- "Gift a life!" - 4,000 rubles in the 1st year of ownership and 3,000 for each subsequent year. Additional card - 2,500 rubles;
- MIR Gold - 3,000 rubles for the main card and 2,500 rubles for each additional card;
- MasterCard Gold and Visa Gold - 3,000 rubles ($ 100 or 100 euros) and 2,500 rubles ($ 75 or 75 euros) for the main and additional card respectively;
- Aeroflot Visa Gold for the main card - 3,500 rubles ($ 120 or 120 euros) and 3,000 rubles ($ 100 or 100 euros) for an additional one.
How to get a Sberbank gold card
The Sberbank gold card is received at any of its branches. The issue is ordered both at the bank's office and on the website or in the application.
It is important to present your passport upon receipt of the form. If another person has to pick up the card, a power of attorney is issued in his name. He is also obliged to present his passport.
The product is available to citizens over 18 years of age. Additional cards, with the consent of the legal representative, are opened starting from the age of 7.
Alfa-Bank gold debit card
In "Alfa-Bank" you can find 3 variants of Gold level cards.
"Alpha card" MasterCard Gold or Visa Gold is:
- free annual service;
- cash withdrawal at any ATM without commission;
- cashback up to 2%;
- remote services - internet banking, mobile application;
- up to 6% per annum on the account balance.
Aeroflot-Bonus MasterCard Gold is:
- 1,000 welcome miles;
- 1.5 Aeroflot Bonus miles for 60 rubles ($ 1 or 1 euro) and 1 mile for every 200 rubles ($ 30 or 30 euros) on the Aeroplan account;
- using bonuses for calculating for air tickets, hotels, when renting cars;
- the possibility of replacing economy class tickets with business class;
- annual service - 2,500 rubles.
"Russian standard"
Russian Standard Bank branches accept applications for MasterCard cards Gold and Visa Gold.
Advantages:
- the account balance is charged up to 5.5% per annum;
- an additional card is provided and serviced free of charge;
- there is cashback up to 15% from the bank's partners and 5% in 3, selected from 7 available, purchase categories, as well as 1% for other expenses.
Disadvantages:
- when withdrawing cash from other banks, the commission will be 2% (at least 100 rubles), and with an amount over 500,000 rubles - 3%;
- card issuance and service depending on the chosen tariff - 3,000 rubles per year or 299 rubles per month.
LokoBank
In LokoBank you can get both Visa Gold and MasterCard Gold cards.
Advantages:
- cashback up to 5%;
- account maintenance fee - 0 rubles;
- free SMS informing;
- interest will be charged on the account balance - up to 7% per annum;
- free issue of 1 additional card.
Disadvantages:
- it is imperative to comply with the requirement of a minimum minimum balance of funds on the account in the amount of 20,000 rubles;
- withdraw cash from other machines financial institutions- 1% (at least 100 rubles);
- limited network of own self-service devices.
HomeCredit Bank
HomeCreditBank's clients have access to Visa Gold and MasterCard Gold cards.
Advantages:
- 0.2% per annum is charged to the account balance daily;
- the card can be obtained from the age of 14;
- cashback up to 8% from the bank's partners.
Disadvantages:
- SMS package - 1.5 euros or 1.5 US dollars per month;
- Visa Gold is provided with an account in US dollars only, and MasterCard with an account in EUR;
- commission for receiving cash from third-party organizations - 3 US dollars or 3 euros;
- card issue - 25 US dollars or 25 euros.
Rosselkhozbank
Rosselkhozbank has developed a Visa Gold Travel card. It is also possible to issue a card of this level within the framework of a salary project or the "Personal" tariff plan. In the latter case, the service will cost 2,000 rubles a year.
Advantages:
- validity period - 3 years;
- commission for issuing a card, including an additional one, - 299 rubles. Held 1 time;
- there is a loyalty program "Harvest", which allows you to receive discounts and cashback in the form of bonus points, which can be exchanged for surprises from a special catalog, as well as for paying for tickets (air and rail), for renting a car and paying for hotels;
- in the first 2 months of use, when calculating bonuses, a coefficient of 2 is applied.
Disadvantages:
- the minimum turnover on the account of the "Travel" card, when the service of active users is free, is 50,000 rubles. Otherwise, ownership of the product will cost 300 rubles per month;
- cash withdrawal from other banks or their self-service devices - 1% (minimum 100 rubles).
"St. Petersburg"
The Gold card in the Bank "Saint Petersburg" is issued within the framework of payment MasterCard systems and Visa.
Advantages:
- maintenance of basic cards of salary projects is free;
- free insurance for foreign trips.
Disadvantages:
- service (for 1 year of ownership) - 3,000 rubles, if the card is issued for the purpose of calculating a loan, then 1,500 rubles;
- each additional card will cost 1,500 rubles for 1 year of use;
- in the event of technical debt, the commission will be 0.1% per day.
"Avangard"
Bank Avangard issues MasterCard Gold and Visa Gold cards.
Advantages:
- with an average monthly turnover of over 20,000 rubles, the service is free;
- card validity period - 3 years;
- free internet bank.
Disadvantages:
- if the requirement for an average monthly turnover is not met, the annual service will cost 3,000 rubles ($ 150 or 150 euros);
- there is insurance for those traveling abroad, but it provides for an additional payment.
"AK Bars"
"Ak-Bars" offers to issue only MasterCard Gold.
Advantages:
- the account balance over 500,000 rubles is charged 5% per annum. If the specified parameter is in the range of 100,000 - 500,000 rubles - 3%;
- it is possible to pay for travel by card with a discount in public transport in some cities of the Republic of Tatarstan;
- discounts and bonuses from more than 300 partners of the bank;
- free SMS informant and internet bank.
Disadvantages:
- this is regional bank, whose clients enjoy the most favorable terms of service only within the Republic of Tatarstan. Ak-Bars has partners in other regions as well, but there are relatively few of them;
- validity period of the card form - 2 years;
- commission for receiving cash at cash desks and offices of other organizations - 1%;
- annual service - 3,000 rubles ($ 60 or 60 euros);
- each reissue - 3,000 rubles.
"Eastern Express"
In the bank " Eastern Express"Offer" Card No. 1 ". This is Visa Gold.
Advantages:
- the cost of ownership is minimal - 99 rubles per month;
- there is the possibility of issuing a supplementary card, including a child card;
- cashback - up to 40% for purchases in online stores and up to 5% for cashless payments;
- the account balance will be charged up to 7% per annum.
Disadvantages:
- reissue for any reason is paid - 1,500 rubles;
- the initial issue costs 1,500 rubles. An additional card is provided free of charge.
Raiffeisenbank
You can order both MasterCard Gold and Visa Gold from Raiffeisenbank.
Advantages:
- the bank has many partners in Russia and Europe, which reduces the costs of its clients abroad;
- free SMS notifications and online banking;
- 5% cashback at gas stations;
- free insurance of all family members of the cardholder from OJSC "AlfaStrakhovanie" when traveling abroad;
- up to 4 additional cards are issued;
- more than 4,000 partners of the bank give discounts up to 30% to its clients;
- priority service in the offices of the issuer;
- Priority Pass card is provided free of charge, which gives access to airport business lounges.
Holders of MasterCard Gold from Raiffeisenbank, even abroad, if they turn to the devices of banks belonging to the Raiffeisen Bank International group, can withdraw cash for free.
Disadvantage: commission for servicing the card - 3,500 rubles (3,000 rubles for each additional one).
"Renaissance"
Bank Vozrozhdenie can provide both Visa Gold and MasterCard Gold cards.
Advantages:
- the cost of servicing both products is 2,500 rubles ($ 70 or 70 euros) for 1 year;
- several options for issuing cards are offered, including for participants in salary projects. For the latter category, the service is free. If a participant in a salary project has issued an additional card, then he will pay 750 rubles a year for it.
Disadvantage: the tariffs say that reissue of the card, regardless of the reason, costs 3,000 rubles ($ 100 or 100 euros). For participants of the salary project, the service is free.
Bank of Moscow (VTB)
Bank Moscow offers exclusively MasterCard Gold cards.
Advantages:
- low cost of servicing the main card - 2,500 rubles ($ 45 or 40 euros), as well as additional cards - 1,250 rubles ($ 25 or 20 euros);
- it is possible to connect to the "Deposit" tariff plan, then for owning the main card it is enough to pay 600 rubles ($ 11 or 10 euros) annually, and for an additional card - 2 times less - 300 rubles ($ 5 or 5 euros);
- availability of more than 330 self-service devices of partner banks in Russia and abroad.
Disadvantages:
- paid SMS informing - 50 rubles ($ 1 or 1 euro);
- validity period of the form - 2 years;
- in accordance with the tariffs, under certain conditions, the receipt of cash may be paid.
The bank withholds an additional commission for maintaining the account. Depending on its currency - 600 rubles, $ 11 or 10 euros.
Gazprombank
Gazprombank issues 4 types of Gold cards:
- Visa Gold;
- MasterCard Gold;
According to the tariffs, the cost of owning a gold card will cost 3,500 rubles per year. This amount is withheld both for each additional card, and for the reissue of each form at the end of its validity period. There are two ways to save money:
- to refuse additional services for insurance of those traveling abroad. Then the cost of ownership will be reduced to 2,800 rubles;
- order a reissue of the card due to the loss of the form or its damage, as well as due to problems with the PIN code. Then the service will cost 1,800 rubles.
Advantages:
- there is a possibility of issuing an additional card;
- a wide range of specialized products. For example, the "Gazprombank - HC SKA" MasterCard Gold card gives the holder a 10% discount on the purchase of tickets for HC SKA matches, as well as their branded goods, on the club's website;
- under certain conditions, it is possible to receive up to 2% cashback;
- those traveling abroad are provided free of charge an insurance policy from SOGAZ JSC with coverage of USD 100,000. Its validity period coincides with the validity period of the card.
Disadvantages:
- validity period of card blanks is 1 or 2 years. Then you need to issue a reissue;
- when receiving cash in the devices of third-party banks, the commission will be 1.5% (at least 150 rubles). Service at branded ATMs is free;
- small limits on cash withdrawals - 200,000 rubles (3,200 US dollars) per day or 1,500,000 rubles (24,000 US dollars) per month.
Best Premium Cards 2019
The best gold bank cards are products:
- Sberbank, which has a developed network of representative offices and self-service devices, providing the widest range of preferences;
- Raiffeisenbank, which has close ties with European financial and credit institutions, which is beneficial for those who often travel to Europe;
- Ak-Barsa. The card is interesting for residents of the Republic of Tatarstan;
- "Rosselkhozbank", focused on those who prefer non-cash payments and make them in large volumes;
- Gazprombank designed for hockey fans and those traveling in East Asia.
Sberbank itself chooses the customers to whom it decides to issue a credit card, and draws up a so-called “pre-approved offer”. He tells you (usually by phone) that you are the chosen one and only consent is required from you. After receiving a positive response from you, you are invited to come with your passport at a convenient day and time (within the working day of Sberbank) to any office that suits you.
The following factors influence the formation of a “pre-approved offer”:
- using a Sberbank card to receive a salary or pension;
- debit card Sberbank;
- the presence of a deposit in Sberbank;
- Availability consumer credit at Sberbank.
The mandatory requirements for obtaining a Gold card are as follows:
- Availability of Russian citizenship.
- Age from 21 to 65 years old.
- The presence of a permanent or temporary residence permit in any city / village of Russia.
How does the grace period work on a Sberbank Gold credit card?
With a Gold credit card, there is a so-called "accounting period", that is, the period during which you can make purchases without invoicing. The reporting period lasts 30 days and starts from the day you opened an account for your credit card. Please note that if you opened a credit card, for example, on October 14, your accounting period will start on the 14th of any month and end exactly 30 days later.
This is how a Gold credit card from Sberbank looks like
Upon completion reporting period begins the so-called. A “maturity period” lasting 20 days. During these days you need to be in time:
a) either return all the money you spent on the credit card
b) either make the amount of a mandatory monthly payment (this is 5% of your loan debt, but not less than 150 rubles).
If you do not have time to do one of these actions, then interest is charged for the loan, and for delays in mandatory payments - a penalty of 36% per annum.
It is easy to guess that for the longest interest-free period of using a credit card, you need to start using it on the day of the beginning of the reporting period, which will give you 30 days of the reporting period + 20 days of the repayment period (total 50 days without interest).
Sberbank Gold credit card conditions
- The credit card is issued only for one and for three years, after which it can be reissued.
- The card account is generated only in rubles.
- The card is issued for three years.
- Service of the card costs 3.000 rubles per year.
- Maximum credit limit- up to 600 thousand rubles.
- The interest on credit cards of Sberbank Goal is set at 27.9% per annum. (In some cases, customers are asked to profitable terms where the interest rate starts from 23.9%).
- For delays in mandatory payments, a penalty of 36% per annum is charged.
- You can withdraw no more than 100 thousand rubles from a Gold credit card per day through an ATM and no more than 300 thousand through a cashier. Per day, no more than 10 million rubles can be credited to the card in cash.
If you manage to get a card from August to December 31, 2017, then the first year of servicing the credit card will be free, and you will have to pay 3 thousand for the second and third years.
Description of the conditions of the Gold card on the official website
Additional features of bank cards Gold
- You can manage your credit card on the Sberbank website using the Sberbank Online service with 3D-secure technology.
- Card management can also be carried out using the Sberbank mobile application, which works on both Android and iOS.
- For Gold cards the function “ Mobile bank»- SMS notification about the transactions and the ability to replenish the account of the mobile phone number to which the card is linked, also via SMS.
- With this credit card, you can not only make non-cash purchases in stores, pay for orders in cafes and restaurants, but also pay for utilities, education, government services and much more!
- You can pay with a credit card in shops and other establishments by simply placing the card on the reader. In addition, you can link your card to a mobile application that allows you to pay by touching your smartphone to the device.
Note. Credit card money cannot be transferred to any other card natural person, including Sberbank. Make a transfer to the account legal entity can.
Cashback conditions for Sberbank credit cards Visa and MasterCard Gold
As with other credit cards, on Gold cards there is a cashback program: you pay with a card in shops and cafes, and he returns you the interest on the purchase back. For regular purchases, you are credited with a cashback of 0.5% of the amount spent (it all depends on the specific place and nature of the purchase).
However, in stores and cafes that are part of Sberbank's partners, you can get even more bonuses - up to 50% of the purchase amount.
There are also promotions. For example, if you manage to issue a card from September 18 to October 31, 2017, you can receive 10% cashback in any cafes and restaurants until April 30, 2018.
Receiving a salary on a Sberbank plastic card is a familiar procedure for many Russians. Sberbank is the leader among issuers, has the widest ATM network, and this justifies the choice of corporate clients in its favor. As a rule, classic options are used for a salary project. Who is the salary gold card for, how much it costs and how to use its advantages - this is what our article is about.
About the salary project
The contract for the transfer of the salary of employees is concluded by the organization - the employer. According to this agreement, Sberbank issues registered plastic cards for each employee, according to the list provided by the organization. If new specialists are hired, an additional list is sent to the bank.
After the cards are issued, they are issued to employees along with personal PIN codes.
It is important to know that within the framework of the salary project, all cards are issued and serviced free of charge. The commission for the transfer of money is paid by the company - the employer.
The cardholder does not bear any costs other than paid services connected on a voluntary basis. For example, a user can order a paid SMS notification from the bank.
The fact that the card is issued as part of a salary project does not relieve its owner of the responsibility for fulfilling obligations to the bank. For example, having received an overdraft, you need to pay interest and fees on time 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 the 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 there is no such need, you need to write an application to the bank about.
For those who already have a Sberbank card, its pluses and minuses are obvious. Holders of salary cards have all the rights of users of the bank's services, and can manage the card account through mobile applications... Sberbank gives the participants of salary projects advantages when considering loan applications by issuing consumer loans under two documents.
As a salary option, the bank only issues 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 an application to the accounting department.
Sberbank salary cards
Immediately, we note 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 it costs the bank. These costs are compensated by the cardholders by paying the cost of the annual maintenance and other commissions.
The service fee for salary plastic is included in the tariffs for companies. But at the same time, the calculations take into account indicators for cards of the mass segment, standard and classic statuses. Among them:
- Classic cards Visa and MasterCard - these products are offered as salary to corporate clients of Sberbank, commercial and manufacturing companies;
- MIR card is the most popular offer for salary projects for public sector employees.
At the same time, the options of classic cards allow their owners to fully use them without fear for the safety of payments. In addition to the standard functions, the cardholder has access to bonus programs of the bank, for example, "Sberbank-Thank you".
Plastic and with a higher status: gold or platinum can become a salary card. As a rule, such issues are resolved in individually, below we will talk about this.
Gold cards: advantages and disadvantages
The bank's lineup also includes premium products. The 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:
- Visa holder Gold Sberbank automatically participates in promotions of payment systems. The terms of the promotions can be found on the Visa and Mastercard websites;
- The bank provides round-the-clock concierge service. At any time you can get help and advice from contact center specialists;
- In cases of loss or theft of the card, the owner is guaranteed an emergency cash withdrawal, in Russia and abroad;
- Possibility of settlements with the participation of funds electronic services(Yandex Money, etc.);
- Earning miles for free flights and paying for hotels (the service is available to Aeroflot Visa Gold holders);
- Additional information security systems (electronic chips and 3D-Secure technologies).
In addition to the above preferences, the owner of the gold plastic has full access to standard products and bonus programs jar. For example, for each non-cash payment, the account will be credited with bonus points from the "Thank you" program for subsequent exchange for discounts from partners.
Does gold have salary card Sberbank advantages for its owner? Of course, because the bank traditionally has a loyal attitude to the holders of gold Visa or MasterCard. This is expressed not only in the prompt solution of all emerging issues, but also in the offer of benefits and reduced tariffs... If an employee has a gold visa salary card, he can be given a credit card with an approved limit and without annual pay.
The disadvantages of gold salary plastic will appear for the owner in the event of his dismissal: all the costs of maintaining the card will have to be paid independently.
Conditions for receiving
For customers who receive Sberbank gold plastic on normal terms, 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, the Visa Gold salary card is rather an exception and the bank's loyalty to its corporate partners. How can you get it? The bank will answer this question by analyzing salary project specific company.
In practice, the bank issues gold cards as salary cards to executives and top managers of companies participating in the project. Professionals with high income and value for the company can also get “gold”. The number of bonus cards is approved at the stage of negotiations on a salary project with the bank.
Thus, the conditions for obtaining premium plastic as salary are entirely dependent on the employing organization.
Note that the employee has the opportunity to include in the salary project personal card gold Visa or MasterCard. But the decision on this issue must be approved by the bank.
Evaluating the pros and cons of a Sberbank card, one can draw an unambiguous conclusion in its favor. Convenience of payments, Internet services, security and pleasant bonuses - all this together provides a high rating for Sberbank's plastic. As for the choice between gold and classic options, then an individual decision is made here.
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