Master Card Gold Sberbank Credit Benefits. Sberbank Gold credit card: conditions and privileges
The reputation of the largest financial institution in the Russian Federation has suffered significantly due to unbridled activity of staff. In an effort to fulfill the plan for the sale of the product, bank employees impose a MasterCard Gold Sberbank credit card on almost all customers over 18 years of age. It is better if a loan or an indignant refusal is preceded by a careful study of the conditions of the offer.
Offer is free information.
Offers to get a loan are poured onto the bank's stunned customers in an endless stream. Whenever you contact the branch or toll-free number 8-800-555-55-50, Sberbank employees will necessarily transfer the conversation to the merits of MasterCard Gold Sberbank, informing at the same time that it’s “right now best deal". More often than not, young people quickly respond to the correct “thank you, I don’t need it”, a particularly impatient client can afford to just disconnect or turn his back on a pesky consultant.
It is practically impossible to limit SMS avalanches arriving at a telephone number to at least ordinary bank customers. The need to constantly read and delete large quantities is a dubious pleasure. At the same time, information about the already approved loan for a specific amount and the Master Card Gold Sberbank itself suddenly appear in the "Personal Account" of Sberbank-Online, and there is a "apply" button, but no "refuse" or "delete" buttons.
Such an onslaught on the part of the bank causes irritation in some, and fear in others. An offer is not an obligation. A consultant can endlessly paint the benefits of a banking product, but cannot force a client to arrange it. Similarly in cases with SMS, “Internet banking”. This is also just information. “Hanging” in “ personal account»The credit card disappears, leaving no trace of financial obligations.
The advantages of "golden plastic"
“A credit card is a bank in your pocket” is one of the common slogans. Indeed, a piece of plastic in your pocket makes it possible to realize your dreams: to make repairs, to make an exciting journey, to buy previously inaccessible things. It is enough to apply for it once in order to secure the possibility of obtaining a new loan immediately after paying off the previous one within the limits of the card face value.
MasterCard Gold Sberbank card, this:
- privileged customer status - individual approach, round-the-clock consulting support;
- financial freedom around the world within the credit limit (300,000-600,000 rubles) - the same conditions for non-cash payment, as well as cash, including the loss of a "golden card" in the Savings Bank branches of Russia and other countries;
- bonus and discount programs from Sberbank and international payment systems;
- increased level of protection - 3D-secure technology;
- operations in the "personal account" of "Sberbank-online" or "Mobile Bank" - transfers and payments (including "auto payments");
- replenishment in cash, non-cash by the currency of the account, as well as "electronic money";
- "Binding" to the wallets of electronic payment systems - WebMoney, Yandex, Qiwi;
- 50 days of grace period - an interest-free “privilege” applies only to funds spent on non-cash payments;
- registration of additional cards - for children from 7 years.
When withdrawing cash from Sberbank ATMs, a commission of 3% is charged, at terminals of other banks - 4%, but not less than 100 rubles.
The interest rate is determined individually - from 25.9 per year. Replenishment of privileged cards is possible in cash and non-cash. The cost of annual maintenance is 3000 rubles.
Additional terms
Any citizen of Russia aged 21–65 years can get a gold card. Strict requirements are presented to the place of registration - only the Russian Federation, work experience - at least 1 year and at least 6 months at the last workplace.
Holders of "salary" cards, as well as customers who are actively using debit accounts, loans, are offered a Master Card Gold Sberbank credit card on special conditions:
- reduced interest rate;
- free annual service.
No need to submit an application, worry about waiting for its approval - the card is ready.
To take or not to take?
The issue is decided by each person based on specific circumstances. Additional expenses don't fit in family budget - you can refuse. If serious purchases are postponed for the future within 1-3 years, then the Master Card Gold Sberbank card with conditions for privileged customers will be the key to the realization of what was intended.
What to do if the card is still imposed?
Particularly active credit cards are "awarded" to debit card holders: students, retired employees. The 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. The queue, everyone is in a hurry, quickly signs in the contracts, without reading them, picks up envelopes in which, when opened, they find two cards instead of one. Bank managers do not stand on ceremony with pensioners - they give documents for a signature and a card.
If the document has your signature, then it will not work to prove the illegality of the actions of Sberbank employees. You just need to go to the nearest branch as quickly as possible and close the card. You should carefully read all the points of documents issued for signature, ask questions and, if necessary, contact the senior manager, in contact center, even to a paid attorney - until a positive result.
Students and retirees are the “weak link”. The former are not yet able to approach financial issues responsibly, the latter can no longer do this. To identify the “plastic” available for children and parents, you can call the telephone “ hotline»Bank (prepare a passport and contract in advance) on their behalf. The method is not entirely legal, but allows you to get accurate information about the type of card (credit or debit), the terms of the tariff plan and the amount of debt (if any). It is better if the owner of the banking product will hear your conversation with a consultant. Will have to take a direct part in the process of closing a card account.
The popularity of Sberbank's classic and gold debit cards in particular is due to the fact that this type makes it possible to take full advantage banking services remotely, and also provides a number of bonuses.
Pros and Cons of Gold Debit Cards
Gold status cards are created to highlight their holders, indicate a special social status. Gold level cards have both advantages and disadvantages.
Gold Debit Card Benefits
Advantages:
- accounts are usually opened in one of three currencies. This is either the Russian ruble, or the American dollar, or the euro;
- card forms provide contactless payment for Mastercard and Visa, as well as Apple pay, Samsung Pay, Google Pay;
- usually the issuer offers free SMS information on all movements of funds on the account;
- freedom of payment in any part of the world at any outlet working with cashless payments, in any currency at any time of the day;
- the ability to make online purchases;
- increased limits for transactions, including cash withdrawal;
- security of operations provided by the corresponding three-level security system;
- lack of need to declare funds when traveling abroad;
- access to shares held by the relevant payment system;
- obtaining a minimum list of medical services during trips abroad;
- access to VIP lounges;
- the possibility of booking a hotel room by phone;
- most banks offer the issuance of additional cards to the main ones. Additional cards are given all the privileges intended for the main one.
When using one or another card in Russia, its advantages are determined, to a greater extent, not by the payment system, but by the policy of the financial and credit organization that issued it.
Gold Debit Card Issues
The main disadvantages of cards with a golden status are that the privileges granted to their holders are best manifested only when traveling abroad, and that various preferences (bonuses and discounts) can be obtained only in premium stores.
Other disadvantages:
- short validity of the card form - more often it is 2 years;
- expensive ownership - from 3,000 rubles per year for the main card form, from 2,500 rubles for each additional;
- reissue is often paid.
Benefits of VISA Gold Cards
- discounts, gifts and special treatment from friends of the payment system;
- 50% discount on the purchase of a Priority Pass loyalty card, and some issuers provide it for free;
- reliable protection level 3D-Secure - Verified by Visa;
- support in the mother tongue in emergency situations related to health and legal incidents;
- GCAS - emergency support in case of loss of a card (its blocking, re-issuance, one-time issue of an amount within $ 5,000).
Benefits of MasterCard Gold Cards
- three-level system for protecting operations on card accounts Mastercard SecureCode;
- the “Priceless Cities” award program, which helps to find the most interesting places during travels and to receive various preferences when visiting them;
- money transfers in the social networks Odnoklassniki and VKontakte.
Sberbank Gold Debit Card
Sberbank elite cards are cards:
- WORLD Gold;
- MasterCard Gold and Visa Gold;
- Aeroflot Visa Gold.
What is the difference between a gold card of Sberbank and an ordinary one
Gold cards of the bank from the classic differ in the following:
- gold status is a more expensive annual service;
- premium card forms have the appropriate appearance;
- increased transaction limits;
- special services, expressed in accelerated reception of calls to a multi-channel telephone line;
- more significant bonuses under the program "Thank you!";
- free cash withdrawal in case of emergency;
- if the card form is compromised, an urgent reissue is free;
- open access to premium programs of Visa and MasterCard payment systems for Gold;
- free "Mobile Bank".
The increased coefficient used when calculating "Thank you" bonuses for premium customers is also valid for purchases abroad.
Opportunities for Sberbank Gold Card
A significant advantage of the products of this bank is thought-out and affordable customer support, implemented through:
- wide ATM network;
- round-the-clock support by multi-channel number 900;
- internet banking Sberbank Online;
- mobile application;
- mobile banking.
The daily limit for free cash withdrawal is 300,000 rubles, and the monthly limit is 3,000,000 rubles. Sberbank gold cards are easily tied to electronic wallets, for example, Yandex.Money or Webmoney. Planned emissions are free. Individual design for such products is not provided.
Cash withdrawal in offices and cash desks of third-party banks - 1.25%, but within the range of 30 - 1,000 rubles.
Sberbank Gold Card: discounts in stores
Sberbank implements a bonus program "Thank you!" . According to its conditions, holders of gold cards receive up to 5% cashback, which can be paid in bank-friendly stores. It is also possible to get up to 20% discounts by bank transfer from partners of the bank.
Golden card of Sberbank “Give life!”
According to the terms of the product “Give life!” 0.3% of each check goes to charity, to the “Give Life!” Fund.
Card currency - exclusively Russian ruble. The validity of the card form is 3 years.
Gold card of Sberbank WORLD
The MIR card is designed to work in the domestic market. The form is protected against counterfeiting by a hologram, an integrated chip, and supports contactless payment technology.
The form is valid for 5 years. You can connect the transport application. Emergency cash disbursement is not provided.
There is a possibility of emission within the framework of salary projects, according to which the service fee can be paid by the employer.
Among the disadvantages of the card are the impossibility of payment:
- telephone
- abroad;
- in online stores that do not accept this type of card.
MasterCard Gold and Visa Gold
MasterCard Gold and Visa Gold card accounts open in US dollars, euros or in russian rubles. The form is valid for 3 years.
If you apply for the issue of MasterCard Gold and Visa Gold before 12/31/2019, you will receive a 50% discount on the payment of the first year of ownership.
Aeroflot Visa Gold
The main advantage of the Aeroflot series is access to participation in the corresponding air carrier program. For every 60 rubles spent, 1.5 bonuses are awarded. When opening an account, 1,000 welcome miles are presented. The reward can subsequently be used to pay for tickets for flights of Aeroflot and its partners.
The form is valid for 3 years. The account can be issued in Russian rubles, US dollars or in euros.
How much is the annual service of a gold card of Sberbank
The cost of using cards differs slightly depending on their type:
- "Gift a life!" - 4,000 rubles in the first year of ownership and 3,000 for each subsequent year. Additional card - 2 500 rubles;
- Gold WORLD - 3,000 rubles for the primary and 2,500 rubles for each additional card;
- MasterCard Gold and Visa Gold - 3,000 rubles ($ 100 or 100 euros) and 2,500 rubles ($ 75 or 75 euros) for the main and additional cards respectively;
- Aeroflot Visa Gold for the main card - 3,500 rubles ($ 120 or 120 euros) and 3,000 rubles ($ 100 or 100 euros) for an additional one.
How to get a gold card of Sberbank
A gold card of Sberbank is received in any of its branches. They issue emissions both at the bank’s office, and on the website or in the application.
Upon receipt of the form, it is important to present a passport. If the card must be picked up by another person, a power of attorney is written out in his name. He is also required to present a passport.
The product is available to citizens over 18 years of age. Additional cards, with the consent of the legal representative, open from the age of 7.
Alfa Bank Gold Debit Card
In Alfa Bank you can find 3 options of Gold level cards.
“Alpha card” MasterCard Gold or Visa Gold is:
- free annual service;
- cash withdrawal at any ATM without commission;
- cashback up to 2%;
- remote services - Internet banking, mobile application;
- up to 6% per annum on the balance of the account.
Aeroflot-Bonus MasterCard Gold card is:
- 1,000 welcome miles;
- 1.5 miles Aeroflot Bonus for 60 rubles ($ 1 or 1 euro) and 1 mile for every 200 rubles ($ 30 or 30 euros) on the AeroPlan account;
- use of bonuses for payments for airline tickets, hotels, when renting cars;
- the ability to replace economy class tickets with business class;
- annual maintenance - 2,500 rubles.
"Russian standard"
In the offices of the Russian Standard Bank accept applications for masterCard Gold and Visa Gold.
Benefits:
- the balance of the account is charged up to 5.5% per annum;
- an additional card is provided and served free of charge;
- there is a cashback of up to 15% of the bank’s partners and 5% of 3, selected from 7 available, purchase categories, as well as 1% for other expenses.
Disadvantages:
- when withdrawing cash from other banks, the commission will be 2% (at least 100 rubles), and for amounts over 500,000 rubles - 3%;
- card issuance and its maintenance, depending on the chosen tariff - 3,000 rubles per year or 299 rubles per month.
LokoBank
In “LokoBank” you can get cards as Visa Gold, and MasterCard Gold.
Benefits:
- cashback up to 5%;
- account maintenance fee - 0 rubles;
- free SMS informing;
- interest on the account balance is charged - up to 7% per annum;
- free issue of 1 additional card.
Disadvantages:
- it is imperative to comply with the requirement of a minimum minimum balance of funds in the account in the amount of 20,000 rubles;
- withdraw cash in the apparatus of other financial institutions - 1% (minimum 100 rubles);
- limited network of self-service devices.
HomeCredit Bank
HomeCreditBank customers can use Visa Gold and MasterCard Gold cards.
Benefits:
- 0.2% per annum is credited to the account balance daily;
- the card can be obtained from the age of 14;
- cashback up to 8% of partners of the bank.
Disadvantages:
- SMS package - 1.5 euros or 1.5 US dollars per month;
- Visa Gold is provided with an account only in US dollars, and MasterCard with an account in euros;
- commission for receiving cash in third parties - 3 US dollars or 3 euros;
- card issue - 25 US dollars or 25 euros.
Russian Agricultural Bank
Russian Agricultural Bank has developed a Visa Gold Track card. It is also possible to draw up a card of this level as part of the salary project or the “Personal” tariff plan. In the latter case, maintenance will cost 2,000 rubles per year.
Benefits:
- validity period - 3 years;
- the fee for issuing a card, including an additional one, is 299 rubles. Held 1 time;
- there is a Harvest loyalty program that allows you to receive discounts and cashback in the form of bonus points that can be exchanged for surprises from the special catalog, as well as for paying for tickets (air and rail), for car rental and hotel payments;
- in the first 2 months of use, when calculating bonuses, a coefficient of 2 is applied.
Disadvantages:
- the minimum turnover on the “Travel” card account when active users are serviced for free is 50,000 rubles. Otherwise, ownership of the product will cost 300 rubles per month;
- cash withdrawal from other banks or their self-service devices - 1% (minimum 100 rubles).
"St. Petersburg"
Gold card issued by Bank Saint Petersburg as part of payment masterCard systems and Visa.
Benefits:
- servicing of major salary project cards is free;
- free insurance when traveling abroad.
Disadvantages:
- service (for 1 year of ownership) - 3,000 rubles, if the card is issued for settlement on a loan, then 1,500 rubles;
- each additional card will cost 1,500 rubles for 1 year of use;
- in case of technical debt, the commission will be 0.1% per day.
Vanguard
Avangard Bank issues MasterCard Gold and Visa Gold cards.
Benefits:
- with an average monthly turnover of more than 20,000 rubles, the service is free;
- card validity period - 3 years;
- free internet banking.
Disadvantages:
- if the requirement of average monthly turnover is not satisfied, annual maintenance will cost 3,000 rubles ($ 150 or 150 euros);
- there is insurance for travelers abroad, but it provides for additional payment.
"AK Bars"
Ak-Bars offers to issue only MasterCard Gold.
Benefits:
- 5% per annum is charged on the account balance of more than 500,000 rubles. If the specified parameter is in the range of 100,000 - 500,000 rubles - 3%;
- it is possible to pay for travel with a card at a discount in public transport in some cities of the Republic of Tatarstan;
- discounts and bonuses from more than 300 partners of the bank;
- free SMS informant and online banking.
Disadvantages:
- it is a regional bank whose customers use the most favorable terms of service only within the Republic of Tatarstan. Ak-Bars has partners in other entities, but there are relatively few of them;
- the validity of the card form is 2 years;
- commission for receiving cash at cash desks and machines of other organizations - 1%;
- annual maintenance - 3,000 rubles ($ 60 or 60 euros);
- each reissue - 3,000 rubles.
"Eastern Express"
In the bank " Eastern Express”Offer“ Card No. 1 ”. This is Visa Gold.
Benefits:
- the cost of ownership is minimal - 99 rubles for 1 month;
- there is the possibility of issuing an additional card, including a children's card;
- cashback - up to 40% for purchases in online stores and up to 5% for cashless payments;
- up to 7% per annum are credited to the account balance.
Disadvantages:
- reissue for any reason is paid - 1,500 rubles;
- the initial issue costs 1,500 rubles. An additional card is provided free of charge.
Raiffeisenbank
You can order MasterCard Gold and Visa Gold at Raiffeisenbank.
Benefits:
- the bank has many partners in Russia and in Europe, which reduces the costs of its customers abroad;
- free SMS notifications and online banking;
- 5% cashback at gas stations;
- free insurance for all family members of the cardholder from AlfaStrakhovanie OJSC when traveling abroad;
- up to 4 additional cards are issued;
- more than 4,000 partners of the bank give discounts up to 30% to its customers;
- priority service at the issuer's offices;
- priority Pass card is provided free of charge, providing access to airport business lounges.
Raiffeisenbank MasterCard Gold holders even abroad, if they turn to the devices of banks belonging to the Raiffeisen Bank International group, can withdraw cash free of charge.
Disadvantage: the card service fee is 3,500 rubles (3,000 rubles for each additional).
The Renaissance
Bank Vozrozhdenie can provide both a Visa Gold card and a MasterCard Gold card.
Benefits:
- the cost of servicing both products is 2,500 rubles ($ 70 or 70 euros) for 1 year;
- several options for issuing cards are offered, including for participants in salary projects. For the latter category, service is free. If the participant of the salary project issued an additional card, he will pay 750 rubles a year for it.
Disadvantage: the tariffs say that reissuing a card, regardless of the reason, costs 3,000 rubles ($ 100 or 100 euros). For participants of the salary project, the service is free.
Bank of Moscow (VTB)
Bank Moscow offers exclusively MasterCard Gold cards.
Benefits:
- low cost of servicing the main card - 2,500 rubles ($ 45 or 40 euros), as well as an additional card - 1,250 rubles ($ 25 or 20 euros);
- it is possible to activate the “Deposit” tariff plan, then it’s enough to pay 600 rubles ($ 11 or 10 euros) annually for owning a main card, and for a supplementary card - 2 times less - 300 rubles ($ 5 or 5 euros);
- the presence of more than 330 self-service devices of partner banks in Russia and abroad.
Disadvantages:
- paid SMS-informing - 50 rubles ($ 1 or 1 euro);
- the validity of the form is 2 years;
- in accordance with the tariffs, under certain conditions, cash may be paid.
The bank withholds an additional fee for maintaining the account. Depending on its currency - 600 rubles, $ 11 or 10 euros.
Gazprombank
Gazprombank issues 4 types of Gold level cards:
- Visa Gold;
- MasterCard Gold;
According to the tariffs, the cost of owning a gold card will cost 3,500 rubles per year. This amount is deducted for each additional card, and for reissue of each form at the end of its validity. You can save in two ways:
- refuse additional services for insurance traveling abroad. Then the price of ownership will be reduced to 2,800 rubles;
- order a reissue of the card due to the loss of the form or its damage, as well as due to problems with the PIN code. Then the service will cost 1,800 rubles.
Benefits:
- there is the possibility of issuing an additional card;
- a wide selection of specialized products. For example, a Gazprombank - HC SKA card MasterCard Gold gives the holder 10% discount on the purchase of tickets for HC SKA matches and their branded goods on the club's website;
- under certain conditions, it is possible to get up to 2% of cashback;
- for those traveling abroad, an insurance policy from SOGAZ JSC is provided free of charge with coverage of $ 100,000. Its validity period coincides with the validity period of the card.
Disadvantages:
- the validity period of card forms is 1 or 2 years. Then you need to issue a reissue;
- when receiving cash in the devices of third-party banks, the commission will be 1.5% (at least 150 rubles). Service at branded ATMs is free;
- small cash withdrawal limits - 200,000 rubles ($ 3,200) per day or 1,500,000 rubles ($ 24,000) per month.
Best Premium Cards 2019
The best gold cards of banks are products:
- Sberbank, which has a developed network of representative offices and self-service devices, which provides the widest range of preferences;
- Raiffeisenbank, which has close ties with European financial and credit institutions, which is beneficial for those who often travel to Europe;
- Ak Bars. The card is interesting to residents of the Republic of Tatarstan;
- “Russian Agricultural Bank”, aimed at those who prefer non-cash payments and make large amounts of them;
- Gazprombank designed for hockey fans and those traveling in East Asia.
Sberbank itself selects customers for whom it decides to issue a credit card, and draws up the so-called “pre-approved offer”. He informs you (usually by phone) that you are chosen and only consent is required from you. After receiving a positive response from you, you are invited to come with a passport at any convenient day and time (within the working day of Sberbank) to any office suitable for you.
The following factors influence the formation of a “pre-approved proposal”:
- using a Sberbank card to receive a salary or pension;
- debit card Sberbank;
- the presence of a deposit in Sberbank;
- availability consumer loan in Sberbank.
Mandatory requirements for obtaining a Gold card are as follows:
- The presence of citizenship of the Russian Federation.
- Age from 21 to 65 years.
- The presence of a permanent or temporary residence permit in any city / village in Russia.
How does the grace period on Sberbank Gold credit card work?
For a Gold credit card, the so-called "reporting period" is valid, 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 the account for your credit card. Please note that if you opened a credit card, for example, on October 14, the reporting period will always begin on the 14th of any month and end exactly after 30 days.
This is what Sberbank Gold credit card looks like
Upon completion reporting period the so-called “Maturity period” lasting 20 days. During these days you need to be in time:
a) either return all the money you spent on a credit card
b) either make the required monthly payment amount (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 a percentage is charged for the loan, and for delays in obligatory payments - a penalty of 36% per annum.
It’s easy to guess that for the longest interest-free period of using a credit card, you need to start using it on the day the reporting period begins, 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 Terms
- A credit card is issued only for one and for three years, after which you can reissue it.
- The card account is formed only in rubles.
- The card is issued for three years.
- Card maintenance costs 3.000 rubles per year.
- Maximum credit limit - up to 600 thousand rubles.
- The credit cards of Sberbank Goal set a percentage of 27.9% per annum. (In some cases, customers are given more favorable conditions, where the interest rate starts at 23.9%).
- For delay in obligatory payments a penalty of 36% per annum is charged.
- With a Gold credit card per day, you can withdraw no more than 100 thousand rubles through an ATM and not more than 300 thousand through a cash register. For a day, no more than 10 million rubles in cash can be credited to the card.
If you manage to get a card from August to December 31, 2017, then the first year of servicing a credit card will be free, and you will need to pay 3 thousand for the second and third years.
Description of the conditions of the Gold card on the official website
Additional Gold Card Features
- You can manage a 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 “ Mobile Bank"- notification by SMS about completed operations and the ability to replenish the account of the mobile phone number to which the card is attached, also using SMS.
- With this credit card you can not only make non-cash purchases in stores, pay orders in cafes and restaurants, but also pay utilities, education, public services and much more!
- A credit card can be paid in stores and other institutions, simply by attaching a card to a reader. In addition, you can attach the card to a mobile application that allows you to pay by touching the smartphone to the device.
Note. Money from a credit card cannot be transferred to any other card individual, including Sberbank. Transfer to account legal entity can.
Cashback Terms for Sberbank Visa and MasterCard Gold Credit Card
As with other credit cards, on gold cards There is a cashback program: you pay with a card in stores and cafes, and he returns you the interest from the purchase back. With ordinary purchases, you are credited with a cashback of 0.5% of the amount spent (it all depends on the specific location and nature of the purchase).
However, in stores and cafes that are among the partners of Sberbank, you can get even more bonuses - up to 50% of the purchase amount.
There are stocks. For example, if you manage to draw up a card from September 18 to October 31, 2017, you can receive a cashback in any cafes and restaurants 10% until April 30, 2018.
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 the issuance of 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 company - the employer.
The card holder does not bear any costs except paid servicesconnected 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. Holders of salary cards 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:
- Visa Holder Gold Sberbank automatically participates in the shares of payment systems. The terms of the shares 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 funds 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 gold plastic has full access to standard products and bonus programs 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 it have gold salary card Sberbank benefits for its owner? 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 visa gold, they can give him 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 salary project specific 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 personal card Gold Visa or MasterCard. But the decision on this issue must be approved by the bank.
Estimating the pros and cons of a Sberbank card, we 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.