Types of Sberbank gold cards. How is it different from the usual

Sberbank of Russia offers a huge number of different cards for registration - from simple cards of the Russian MIR payment system to premium Visa Platinum cards. Each of them has its own undeniable advantages, and we will try to talk about them in our next articles.

Today we will talk about a card belonging to the category bonus, but with a relatively low cost of service - Gold Card from Sberbank.

Sberbank of Russia issues gold cards in three types:

• credit
• debit
• "Give Life" card

Three available payment systems— Visa, MIR and MasterCard. You can also obtain information of interest from a consultant at the department.

Recently, when logging into their personal account in the remote banking system, many users saw a pop-up window containing a message like: “You have been pre-approved for a gold credit card with a limit of 70,000 rubles.”

We would like to note that this is not some kind of scam, Sberbank makes such offers only to clients who have somehow earned confidence.

If you receive a message or call from Sberbank with an offer to issue a card, do not hesitate to ask the consultant to give his personal employee identification number. If scammers call, it will most likely confuse them and they will simply hang up.

So, in this article we will tell you:

• about the differences between a gold card and a regular one
• advantages and disadvantages
• Let us consider in detail the conditions for issuing credit and debit cards of the Gold category

Differences between a Gold card and a regular card

It doesn’t matter whether you are issuing a plastic card for the first time in your life, or have been using the standard offers of banks for a long time - when the moment of renewal comes, almost every person thinks: “Why not get a gold card?”

For what Do I need a gold card, if I can get a regular one? — this is the question most often asked to a consultant who offers to issue a Gold card when visiting a Sberbank office.

Let's figure it out how is it different? from instant issuance cards and classic Visa Classic or MasterCard Standart cards:

1. Maintenance cost. Gold cards are quite expensive to maintain; for debit cards, the annual service cost is 3,000 rubles. An ordinary classic is 4 times cheaper - about 600-900 rubles. Instant issuance cards MIR and Momentum - 150 rubles per year.
2. Issue of salary cards. Many employees receive their salaries on a Sberbank card. As part of the salary contract, only classic cards can be issued; this is not possible for gold cards.
3. Appearance. Until now, for many people, the color gold remains something super attractive. Gold cards are issued in the appropriate shade, classic cards are gray, instant cards are blue or with a colored pattern. According to the editors, no one will be surprised by the appearance of the gold card.
4. Premium program. Visa Gold and MasterCard Gold cardholders, along with Platinum cardholders, have access to discounts and bonuses from payment system partners. This is not available for regular classic cards.
5. Service. For owners of premium plastic cards, including gold ones, the service is provided free of charge. For Classic cards - the cost is 60 rubles per month.

We have listed the main differences so that it is immediately clear do you need such a card or not. Will the cost of servicing cover the bonuses that are available to its holders? Read on.

If you have lost your card or it is stolen, it must be blocked immediately. Read our article on how to do this:

Visa and MasterCard Gold credit cards:

• Card currency: euro, USD, Russian ruble
• Validity: 36 months
• Annual maintenance: for free
• Percentage: 25.9% per annum
• Cash withdrawal fee
• Review period: up to 36 hours
• Additional cards: No
• Required documents: passport

Requirements for the borrower:

• passport of the Russian Federation
• permanent registration
• age from 21 to 65 years

You can find a detailed description of the tariff for these cards.

Visa Gold credit cards “Give Life”:

• Card currency: Russian ruble
• Validity: 36 months
• Annual maintenance: for free
• Percentage: up to 33.9% per annum
• Cash withdrawal fee at Sberbank ATMs: 3%, not less than 390 rubles
• Review period: up to 36 hours
• Additional cards: No
• Required documents: passport

Requirements for the borrower:

• passport of the Russian Federation
• permanent registration
• age from 21 to 65 years
• at least six months at the last place of work

Since December 2016, Visa and MasterCard Gold and Visa Gold “Gift of Life” credit cards are issued only to those clients for whom there is a pre-approved offer. You can find out if there is one for you by contacting a Sberbank branch or the Contact Center.

If you are faced with a choice and still can’t decide which card is right for you, watch the video, which contains a detailed comparative analysis.

The largest and one of the most reliable banks in Russia, Sberbank, annually expands its portfolio of financial services, focusing on the changing and expanding needs of clients. The services offered by the banking system, developed in separate areas, meet the needs of representatives of almost any group of Russians. Sberbank pays special attention to the group of VIP clients, offering them gold credit and debit plastic.

These cards not only have a high status level, they also bring with them a number of significant advantages. Under what conditions is a Sberbank gold card issued, the pros and cons of such plastic will be discussed in this article. It is also worth considering a number of other issues regarding the conditions and specifics of using status plastic.

Gold cards from Sberbank are distinguished by an expanded range of privileges and numerous opportunities

What is special about the Sberbank Gold card?

This financial product is not just a card that allows you to transfer, top up, and cash out funds. The advantages of the Sberbank gold card also lie in a number of major privileges that are offered free of charge to owners of such plastic.

Gold cards are issued by Sberbank on an individual basis and are developed for each specific client.

Externally, the elite plastic complies with the accepted MasterCard and Visa standards. Considering the features of Gold-plastic, users highlight such a nuance as the increased number of cashbacks under the “Thank You” loyalty program. The owner of gold plastic can receive up to 20% bonuses by making non-cash payments in Sberbank partner stores.

Offered rates

The privileges of Gold cards from Sberbank apply to all types of such plastic: credit and debit. Considering its features in detail, we can say that the Sberbank gold debit card gives its owner a large number of advantages regarding operation. Including:

• large cashback bonuses under the “Thank You” program;
• permission to link the card to existing E-wallets;
• 24-hour customer service and assistance through a call center;
• the ability to withdraw cash abroad even if the card is lost.

The difference between gold plastic and classic

To understand how a Sberbank gold card differs from a regular one, it’s worth comparing the proposed card rates described above with the conditions of regular plastic cards. Gold card users highlight the opportunity to receive round-the-clock assistance on all emerging issues in working with plastic from call center specialists.

Gold cards give a certain status to the owner

Even if a gold card is lost, its owner at any Sberbank branch can easily receive all the cash on the card (even while outside Russia).

A good advantage is the increased number of cashbacks compared to using regular cards. Which gives good discounts in the future when purchasing goods or services. Significant advantages of gold credit cards include the possibility of interest-free withdrawal of cash from an ATM or Sberbank office.

Varieties of Gold plastic

Sberbank currently publishes and offers two types of gold cards for registration:

1. Visa Gold.
2. Mastercard Gold.

Moreover, each of them has three varieties: classic, Aeroflot and Give Life. These types of payment systems have their own characteristics in the participation of promotional programs and the accrual of bonuses. While tariffs and terms of service remain unchanged.

With the help of gold cards, the client receives more bonuses Thank you

Card "Give Life"

The features of such plastic include the opportunity offered to the client to take part in a charity event without personal financial harm. This Sberbank gold card, the terms of use of which allow you to make contributions to a charitable organization, is especially popular.

Features of the Give Life gold card

According to the existing rules of this plastic, when a client makes any purchase, 0.3% of the amount spent goes to the account of the Gift of Life charity foundation, which provides assistance to seriously ill children. This card can be free or have a paid annual fee. This type of plastic is produced exclusively through the Visa payment system.

Aeroflot card

This plastic, issued by the Visa Gold payment system, gave Sberbank advantages in the field of travel. This card was created specifically for those people who spend most of their lives on various trips, which include air travel. The use of such plastic allows its owner to accumulate bonus miles, which are subsequently exchanged for air tickets.

Aeroflot card helps customers accumulate bonus miles

How to get a Sberbank gold card with free service

Depending on the type of Gold card you want, you will need a different package of documents to obtain it. The conditions for issuing an elite card depend on what type of plastic the client wishes to issue:

1. Debit.
2. Credit.

To become the owner of debit gold plastic, you must meet the following conditions:

• be over 18 years of age;
• have Russian citizenship;
• permanent place of residence (registration).

If all these minimum requirements are met, you can go to the nearest bank office to fill out the appropriate form. By the way, a preliminary application can also be made electronically (on the Sberbank-Online service). The cost of servicing a gold debit card is 3,000 rubles annually. The opening cost is 2,500 rubles.

But there is an option to apply for a gold debit card without spending a penny from your personal money. These conditions apply to the issuance of salary cards. A gold salary card is issued under the terms of an agreement concluded between Sberbank and a certain organization.

When an employee leaves, the gold salary card remains with him, but becomes a paid card (that is, the client has to pay off the cost of annual maintenance).

The gold card will come into working order only after activation

Pros and cons of the “Golden” card

To evaluate all the capabilities of Card Gold, as well as learn about the advantages and some negative aspects, it is worth considering the table below:

Is it worth getting a Gold debit card?

Some Sberbank clients do not understand the beauty and benefits of receiving gold credit/debit cards. After all, it is possible to obtain regular plastic, which does not require payment for annual maintenance and various commissions. But this is only a superficial glance and a rash opinion. In practice, the use of gold plastic offers much more profitable opportunities, which allow you to significantly save on subsequent purchases, thanks to participation in promotional programs and the possibility of receiving an increased number of bonus units.

conclusions

Gold premium plastic, first of all, emphasizes the status and good position of the owner. And the financial benefits from owning such a financial product are most relevant for those people who often travel abroad and in this case can appreciate all the possibilities of gold cards. International payment systems have provided and developed a number of advantages for Gold card holders: various benefits and discounts, which makes gold plastic a profitable and indispensable assistant for this category of banking clients.

In contact with

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.

1. Sberbank business online 9443 instructions for bank-client clients
2. MIR payment card for public sector employees
3. CI or credit bureau

Only after considering the pros and cons of the Sberbank gold card and the terms of service can you decide to choose this particular financial product. Let's take a closer look at the debit and credit card options and evaluate its advantages and disadvantages.

The credit version of the card allows you to use Sberbank funds stored in your account at any time. Plastic is produced in the Visa and MasterCard payment systems. The credit card provides a grace period without accruing interest, during which you can use the money without paying a commission. The main conditions for servicing the Gold Card are as follows:

The main advantage is receiving increased bonuses in addition to the standard ones. So, if this month you spend 15,000 rubles or more using a Gold Card, then next month you can return 5% for expenses in cafes and restaurants and 1% for purchases in supermarkets. But the downside is the limitation of the maximum number of points - 2000 and 1000, respectively.

Pros and cons of the card

After analyzing all the information, we can draw a conclusion about the pros and cons of the Sberbank Gold Card. Please review our findings carefully before deciding to apply for clearance.

The advantages include:

• Convenience of service at Sberbank thanks to a wide network of branches, well-established Internet banking and mobile application.
• An advantage will be personal terms of service due to the premium nature of the Gold Card and advantages when paying abroad.
• Participation in the “Thank you” bonus program and a refund of part of the money spent.
• Increased bonus accrual for the debit option.
• Free first year of servicing the credit option.

Among the disadvantages of the Gold Card it is worth noting:

• A small percentage of refunds for purchases made at any retail outlets is only 0.5%. More can only be returned at a limited number of partner stores.
• The downside is that bonuses are awarded, not in rubles. Bonuses can only be spent at partner outlets, which may not always be possible or convenient.
• Very high service fee compared to competitors offering similar conditions.
• The disadvantages include the possibility of receiving interest on the balance of your own funds.
• Relatively short grace period for the Gold Card credit option.

After analyzing the pros and cons of the Gold Card, we can draw conclusions. In our subjective opinion, this financial product has many more disadvantages. Sberbank attracts primarily with its reliability and distribution throughout Russia. But on the market you can find much more profitable and attractive cards with greater opportunities, better conditions and much lower service fees. If you do not agree with our opinion, please write about it in the comments.

Gold debit cards are ideal for those clients who want expanded functionality, increased limits on cash withdrawal transactions, as well as access to bonus and discount programs.

Product Description

World-class Gold cards provide many more features than Classic or Standard cards. They are readily accepted in many stores, they allow you to get significantly more discounts, and they also often use additional methods of protection against hacking.

Today, many Russian banks offer such cards to their clients on fairly favorable terms. Remember that you can only get the product if you have a certain income level or if you have a positive CI in the bank where you have been a current client for at least 1 year.

Such cards can have many additional functions that significantly increase the convenience of their use:

• one-touch payment technology,
• the ability to return part of the amount spent on purchases using the card,
• accrual of a certain percentage on the balance of own funds.
• In addition, some companies allow the connection of an overdraft (credit limit) at a reduced interest rate.

Where can I get a gold card?

1. Promsvyazbank invites its clients to issue a card called “Your SPB”. They have an option that involves returning part of the funds you spent back to your account (0.25% of the purchase amount, max. 3,000 points per month). There is no issue fee, maintenance will cost up to 1100 rubles annually, look for details
2. Fora-Bank- here you will find the All Inclusive program. Here the cost of service ranges from 159 to 1,908 rubles, there is Cash Back from 1.1 to 5%, as well as interest on the account balance from 3.75% to 5%. Discounts are provided under the Fora-Bonus program, profitable cash withdrawals through Promsvyazbank ATMs (0% commission);
3. Raiffeisenbank released a plastic called Visa Gold “#ALL AT ONCE”. There is: individual design, instant card issue, cash back and bonus program. Bonuses awarded for non-cash purchases can be exchanged for certificates from Ozon.ru and Yandex.Taxi, exchanged for S7 Priority miles or cash. The issue is free, and the cost of service is from 0 to 500 rubles;
4. At VTB Bank They issue a “Multicard” with an annual service cost of 3 thousand rubles. The owner becomes a participant in premium programs from the selected payment system (Visa, MasterCard or MIR), as well as a bonus program for travelers. Among the advantages we can note: the possibility of receiving income up to 10% on the account balance, as well as receiving cash back up to 10%. Find out more at ;
5. Russian standard presents the “Bank in your pocket” product, where about 6.5% per annum is charged on the account balance. Servicing will cost up to 3,000 rubles annually, but if the annual turnover of funds on the card exceeds 300 thousand rubles, it will be serviced free of charge. More information - ;
6. At Alfa Bank You will also be offered a Russian Railways Gold card, which is issued with a chip and one-touch payment technology. It is suitable for those who often travel by train, because you will be awarded bonuses for every purchase. Annual service will start from 1990 rubles + the service package you choose. We invite you to find out more;
7. — here it will be advantageous to sign up for “Debit Gold (Online package)”. The card holder will be able to participate in charity, as well as receive an income of up to 7% on the balance of their funds. Such a product will cost 2600 rubles. annually;
8. also offers to issue a card, part of the funds of which will go to charity, it is called “A Decent Home for Children.” Annual maintenance will cost you 2990 rubles, SMS notifications, insurance for those traveling abroad are free;
9. Sberbank Russia also offers a preferred Gold product to those people who are already existing clients of the organization. The currency can be rubles, dollars or euros, the cost of service is up to 3,000 rubles per year. At the same time, a credit limit of up to 600 thousand rubles and a grace period of up to 50 days are also provided. The card is valid for 3 years, details -

As you can see, with a relatively inexpensive cost of service, the gold card emphasizes the status of its owner and provides the opportunity to take advantage of discounts and special offers around the world.