Gold mastercard credit card. Credit and debit card visa gold sberbank
Sberbank itself selects the clients to whom it decides to issue a credit card, and draws up a so-called “pre-approved offer”. He tells you (usually over the phone) that you are the chosen one and all that is required is your consent. After receiving a positive response from you, you are invited to come with your passport on a day and time convenient for you (within the working day of Sberbank) to any office suitable for 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 in Sberbank.
The 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 work on a Sberbank Gold credit card?
The Gold credit card has a so-called "reporting 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 reporting period will always begin on the 14th of any month and end exactly 30 days later.
This is what it looks like credit card Gold from Sberbank
Upon completion reporting period begins the so-called. "repayment period" lasting 20 days. During these days you need to have time:
a) either return all the money that you spent on a credit card
b) either make the amount of the 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 on 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 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 once and for three years, after which it can be reissued.
- The card account is formed only in rubles.
- The card is issued for three years.
- Maintenance of the card costs 3,000 rubles per year.
- Maximum credit limit- up to 600 thousand rubles.
- On credit cards of Sberbank Gol, the percentage is set at 27.9% per annum. (In some cases, customers are given more profitable terms, where interest rate starts from 23.9%).
- For delay in mandatory payments, a penalty of 36% per annum is charged.
- You can withdraw no more than 100 thousand rubles per day from a Gold credit card through an ATM and no more than 300 thousand through a cash desk. No more than 10 million rubles in cash can be credited to the card per day.
If you have time to issue 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 features of bank cards Gold
- You can manage your credit card on the Sberbank website using the Sberbank Online service with 3D-secure technology.
- The card can also be managed using the Sberbank mobile application, which works on both Android and iOS.
- For Gold cards, the function " Mobile bank» - notification by SMS about completed transactions and the ability to replenish the account of the mobile phone number to which the card is linked, also using 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 housing and communal services, education, public services and much more!
- You can pay with a credit card in stores and other establishments by simply placing the card on the reader. In addition, you can link the map to mobile application, which allows you to pay by touching your smartphone to the device.
Note. Money from a credit card cannot be transferred to any other card individual, including Sberbank. Make a transfer to an account legal entity can.
Cashback conditions for Sberbank Visa and MasterCard Gold credit cards
Like other credit cards, Gold cards have a cashback program: you pay with a card in stores and cafes, and it returns you interest on the purchase back. With regular purchases, you are credited with cashback from 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 among the partners of Sberbank, you can get even more bonuses - up to 50% of the purchase amount.
There are also shares. For example, if you manage to get a card from September 18 to October 31, 2017, you will be able to receive 10% cashback in any cafes and restaurants until April 30, 2018.
In the rating of credit cards that meet the maximum requirements of customers, the leading place is occupied by the credit card Visa Gold of Sberbank. It provides a convenient and understandable service, is easy to use, its coverage area is not limited to the territory of the Russian Federation. With it, it is convenient to make both urgent trips for the day, and long trips abroad for several weeks.
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The Sberbank Visa Gold card makes a person solvent in almost any situation, emphasizes status and position, opens doors to any shops, salons, cities and countries. Receiving and issuing a credit card Visa Gold from Sberbank, as well as debit, is very simple, and the requirements for customers are minimal. The pros and cons of the Sberbank Visa Gold card are not so easy to see, even if you delve into the study of tariffs. Some nuances become clear already in the process of using the product.
Conditions for obtaining a Visa Gold card
golden card There are two types of Sberbank Visa Gold: debit and credit. The rules for obtaining are not too different, but still there are some differences. The basic requirements are the same, but the bank can meet halfway and approve individual terms of registration. In order to get an individual consultation, you should contact the nearest branch of Sberbank. Basic conditions for obtaining a Sberbank Visagold debit card:
- citizen Russian Federation is of legal age;
- it is permanently registered.
These conditions must be met, otherwise such a product cannot be obtained. You need to submit documents for issuance at the place of registration, that is, to your regional Sberbank. You can do this in two ways:
- when visiting a branch of Sberbank in person;
- through the Internet.
Sberbank Visa Gold debit card is issued as soon as possible. If Visa Gold received at the branch, you must have a passport with a registration mark. The bank employee will issue an application that must be filled out on the spot. The maximum period for consideration of the application is two days, after which the client is invited to sign the contract.
If the application is submitted via the Internet, then the process of considering the application passes before calling the client to the Sberbank branch. After the verification is completed, they are invited to sign additional papers and clarify the data. Such verification also takes no more than two days.
Sberbank customers have a unique chance - to receive a Visa Gold card in an individual design, with an original design. To obtain such a card, you must submit an application via the Internet, such applications are not accepted in branches.
Cons and pros of the Sberbank Visa Gold card
The policy of the bank implies that each client has the right to decide what his ideal card will be. Sberbank offers a huge range of opportunities to Visa Gold holders, its advantages are obvious:
- the possibility of using it as a salary card;
- convenient conversion and the ability to choose currencies: rubles, dollars or euros;
- the conditions for withdrawing cash in the Russian Federation and abroad are completely identical;
- modern protection with a chip;
- Possibility to issue a child card for a child;
- operation of bonus programs in Russia and abroad.
Important! To issue a child (additional) Sberbank card for a child, the latter must be 7 years old at the time of registration.
The disadvantages may seem insignificant to some, but for many customers they are significant:
- expensive maintenance (3,000 rubles a year);
- short validity period (after three years the card must be reissued).
Terms of Visa Gold credit cards from Sberbank
In difficult times economic crisis, credit cards have become a real salvation: you can not be afraid that there is nothing to pay with in a store or restaurant, especially when you have the most popular Sberbank product on hand. Lending has reached a level where Visa can be used not only for its intended purpose, but also participates in various promotions and bonus programs. Like the Visa Gold debit card, the credit card has certain conditions for obtaining:
- an individual is a citizen of the Russian Federation;
- a citizen of the Russian Federation has reached the age of 21;
- it has a permanent registration;
- the minimum work experience for the last five years is 12 months;
- work experience at the time of obtaining the card must be at least six months.
The registration process also takes no more than two days. You can apply for a card both in person when visiting a branch of Sberbank, and via the Internet. Sberbank can sometimes check the data for more than two days, since this operation requires a thorough assessment of the client's creditworthiness.
Important! Unlike a debit card, an additional, child card cannot be issued for a credit Visa Gold.
Advantages and disadvantages of Visa Gold credit card
Sberbank, studying the lending market for many years, has created a product that meets the maximum requirements of customers. Visa Gold from Sberbank is an ideal assistant in Everyday life and at work. In order for the use of the card to be convenient and not disappointing, it is necessary to carefully study all the nuances that are clearly spelled out by the bank in tariff plan. A huge number of negative reviews about this product makes you think about the advisability of purchasing the product. But if you read the reviews more carefully, it becomes clear that the problem is only in insufficient familiarization with the information about the card. Advantages of Visa Gold Sberbank:
- high monthly limit (three million rubles per month);
- tall daily limit(Three hundred thousand rubles a day);
- interest free period;
- no interest on non-cash payments;
- operation of the "Thank you" program;
- Participation in Aeroflot Miles program.
Visa Gold is protected by an electronic chip, which makes it impossible to hack it, and if it is lost or stolen, an attacker will definitely not be able to use it.
In the event of loss, contact immediately contact center Sberbank for blocking. After that, a bank employee will issue. The service is free.
Disadvantages to watch out for:
- interest on cash withdrawals;
- high interest rates for cash withdrawals from ATMs of other banks;
- expensive maintenance (3,000 rubles a year);
- problems with using the card abroad.
customers with deposits and deposits in Sberbank;
Details of obtaining benefits can be obtained directly from a bank employee when contacting the nearest branch.
You can replenish Visa Gold in any convenient way:
- through payment terminals;
- through ATMs of any bank;
- using the Mobile Bank service;
- using the Visa Direct service;
- using the Sberbank Online program;
- with the help of a bank teller.
Holders Credit Visa Gold provides a unique opportunity to link an account to electronic wallets, and in the future to replenish the card remotely with their help.
Bonus programs and promotions
Preferential conditions are individual for each client: each has its own minus and plus, however, the dignity of this bank product cannot be underestimated.
The presence of Visa Gold opens up new opportunities for its holders. With it, various preferential offers abroad are available, so it will become indispensable. With it, you can earn "miles" and pay them when buying a ticket (a joint program of Aeroflot and Sky Team companies), use bonus points"Thank you" from Sberbank. When applying for Visa Gold "Give Life", there is an opportunity to help a children's fund: 0.3% of the amount of each purchase is credited to a charitable foundation that helps children with serious illnesses.Sberbank of Russia offers its customers various Banking services. The most demanded among the variety of issued plastic offers is the Gold card of Sberbank. The benefits of the product are of interest to many users. It is worth figuring out why this product is better than the classic version of the card, what additional features it gives to its owner.
What are the benefits of a Gold card from Sberbank?
Today, Sberbank clients are asking the question: what advantages does the Gold card have, what key characteristics does it have. It is worth noting that such a card characterizes the status of the client, his material solvency. Banks always offer this banking product only to the most active depositors and borrowers. The Sberbank Gold card will become an attractive, rather profitable product. There are several reasons for this:
- the client is served in the call-center of the bank around the clock;
- funds are protected by an electronic chip;
- the card can be restored after its loss in any corner of the world;
- the opportunity to participate in the program with a set of bonuses "Thank you from Sberbank";
- it is possible to connect the service "Auto payment";
- control of expenses with the help of Mobile Bank, Sberbank.Online service;
- participation in various programs of discounts, privileges from Visa systems, MasterCard;
- many ways to replenish the account;
- the benefits of cashless payments around the world.
The Sberbank Gold card will also be appropriate for customers who regularly travel abroad, as they receive additional discounts at restaurants, hotels, air tickets, and other services.
What are the advantages of a Gold credit card from Sberbank?
It is possible to use this financial product for various purposes: payment for goods, services, etc. Their difference also lies in the fact that the consumer can use the volume of borrowed funds, as well as their own resources, enjoy all the privileges of the product. Sberbank Gold cards are issued in the following categories: Visa, MasterCard.
Basic terms of use:
- the loan amount can be obtained up to 600,000 rubles;
- fee for the use of funds - up to 33.9%;
- the card will be valid for three years;
- crediting period - preferential for 50 days;
- free use of the Mobile Bank service;
- per year for the card you need to pay 3000 rubles.
There are three types of gold cards issued by Sberbank:
- Mastercard gold;
- Visa gold;
- Visa Gold Aeroflot;
- Visa gold "Give life".
The main difference between these products is that MasterCard and Visa have different bonus programs, some privileged conditions. You can find out about them on the respective official websites. The Gold Aeroflot visa card from Sberbank provides its owner with the opportunity to make purchases and at the same time accumulate miles to exchange them for air tickets. Gold visa card "Give Life" will allow you to transfer funds to a special charitable foundation. Sberbank will transfer there 0.3% of all funds spent by the client.
How to get a credit card?
You can issue a banking product yourself if the client meets the requirements of the lender:
- has an age of 21 - 65 years;
- registered in the region of circulation;
- has a work experience of more than 1 year, and, in the last place - more than 6 months.
The questionnaire can be filled out at any branch, on the bank's website. Borrower should visit the office to provide required documents: passport, photocopy of it work book, reference standard 2-NDFL. The questionnaire will be reviewed within two days.
The credit limit, the rate will be determined by the lender individually for each borrower.
The maximum possible amount low interest only reliable consumers of Sberbank services will be able to receive. For example, these are contributors receiving wages in the bank, respectable borrowers. The main role in the decision will be played by the credit history of the borrower, monthly income.
Terms of use of the card
After registration, activation of the Gold credit card in Sberbank, the consumer gets the opportunity to pay for it when making their purchases at various outlets, or in online stores anywhere in the world. Even if the currency of the card is the ruble, you can pay for purchases in any currency with automatic conversion.
It is possible to withdraw funds from a credit card at ATMs belonging to Sberbank, other financial institutions. Sberbank will take a commission - 3% (when you need to cash out funds through ATMs, cash desks of Sberbank, its subsidiaries) or 4% (for operations through other financial institutions). The key difference: the daily limit that regulates cash withdrawals reaches 300 thousand rubles.
Cardholders can use loan funds for free. So-called Grace period when using this plastic, it can stretch up to 50 days. During this period, the client can return all borrowed funds without overpaying for the use of interest. However, it must be remembered that this rule does not apply to the cash withdrawal procedure. When cashing money, interest will be accrued immediately.
The client will be able to withdraw funds from the credit account even if the credit card is lost on the territory of Russia, abroad.
Advantages of the Gold card from Sberbank:
- contactless payment methods;
- good protection;
- large limit available;
- use of free Mobile Banking;
- bonus programs, offers of Visa, MasterCard systems;
- 50 days grace period;
- The card is available to customers of all ages.
Disadvantages of a Gold card from Sberbank:
- it will have a fairly high rate on borrowed funds;
- high price of annual maintenance;
- rather high interest rate when cashing out funds;
- There is no interest-free period for cash withdrawals.
Sberbank customers get the opportunity to control accounts remotely. It is enough to activate the special Sberbank.Online service in order to pay bills, as well as the Auto Payment service, control the date and amount of the next payment, etc.
Benefits of a debit Gold card from Sberbank
This product is comfortable financial instrument to protect your savings. The product will be available to everyone, has a number of advantages. All bonuses, privileges of the bank, Visa, MasterCard systems are available to users.
What do you need to get a card?
Everyone can issue a debit plastic from Sberbank easier than a credit one. It is enough to be a citizen of Russia, from 18 years old, with permanent registration. Sberbank issues cards to citizens of other states. The decision is made individually.
To apply for a card, contact the bank branch, fill out the form on the website. Proof of income, as well as the presence of your permanent place of work is not required. The owner will use in this case exclusively his own funds.
Online, the client fills out an application for Visa Gold, MasterCard can only be issued at a branch of Sberbank.
Product owners get the opportunity to issue a number of additional cards. Their user can be a citizen of Russia from the age of 7. The cost of the service is 2500 rubles. You will need to pay 3,000 rubles for the service, and reissuing the card will be free.
Advantages, disadvantages of the card
The main disadvantage is the high price of maintenance, otherwise the card has advantages:
- receiving discounts from Sberbank partners;
- round the clock hotline;
- high level of savings protection;
- the possibility of using funds in Russia, outside the country;
- the possibility of obtaining additional card(loan products do not have such an opportunity);
- emergency issuance of funds due to loss, theft of the card is possible.
The owners of the product note that it is expensive, and therefore it is not economically feasible to issue such a card.
For holders of debit gold cards there is an unlimited overdraft facility.
How to apply for, use a Sberbank gold card absolutely free?
Not everyone wants to arrange this card due to its expensive maintenance, high stake. The bank also provided free registration and service for regular customers.
Sberbank's special loan offer includes a reduced interest rate of 17.9% - 23% per annum.
The offer is received personally by clients if they receive their salary through Sberbank, have deposits, and have previously used loans. Such an offer can be sent to you by letter, SMS, call.
To get a Gold card from Sberbank for free, you need to wait for a special personal offer, come to the bank, provide the required package of documents. You will need income certificates confirming a permanent place of work (not required for payroll clients).
Co-branded Gold Cards
Among the Gold cards from Sberbank there are co-branded ones, such as: Give Life, Aeroflot. These products can also be issued under the special offer of Sberbank.
The plastic card "Give Life" allows its owners to help charitable foundation. Sberbank transfers here 0.3% of all funds you spend. The credit rate on this card is from 25.9% per year. Annual maintenance - from 0 to 3500 per year. Only Visa cards are available. The client gets the opportunity to learn and evaluate the benefits of Visa Gold from Sberbank. Information on the website of the payment system.
The card is joint with Aeroflot - for those who regularly use the services of a partner company. Sberbank customers can use the card, receive and exchange bonus miles for airline tickets. The annual maintenance of the card is 3,500 rubles, the rate for using a loan for this product is from 25.9%. Moreover, all these cards of the joint program are provided by the Visa system.
By card from Visa and Sberbank Gold Aeroflot does not have the possibility of free service.
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Sberbank of Russia has long been one of the leaders in issuing credit and debit cards on the market. Many Russians, who are happy to use entry-level and classic bank cards, sooner or later think about acquiring status, “golden” plastic.
What is the bank ready to offer its customers, why is the gold card of Sberbank of Russia so good, what are its pros and cons? Let's figure it out.
What is it, the benefits of Gold category plastic for payroll clients
Gold is a category that includes plastic cards of international payment systems Visa and MasterCard. "Golden" plastic is primarily an indicator that its owner is a loyal and longtime client of a banking institution.
Most users can only get a card by individual offer from the bank– if there is a deposit on the accounts, or active and accurate use of credit products.
And also "gold" cards of Sberbank are issued owners of individual entrepreneurs, employees of enterprises that are on payroll services, CEOs and in general to customers with a confirmed high income.
NOTE! A Gold category card on an individual offer from the bank is issued and serviced free of charge.
The "gold" category allows its holder to enjoy an extended package of bonuses and privileges. Among them are increased, and special insurance when traveling abroad, and the possibility of urgent withdrawal of funds in a foreign country in case of sudden loss of the card. And that's just some of the bonuses.
On the pages of our site you will also learn how, and how profitable its offers are!
Credit offers, limit
A "golden" credit card from Sberbank is a clear indicator that you have taken place as a client of the institution. Such plastic is offered only to loyal payers. who closed more than two loans without a single delay, or to persons receiving a salary of more than 50 thousand rubles a month.
And also Gold is issued to holders of deposits, the amount of which exceeds 500,000 rubles.
To receive a card issued on an individual offer from the bank, no proof of income or employment required- enough to sign loan agreement, and activate plastic.
If you are applying for a “gold” credit card “from the street” without being a client of Sberbank, you should not count on favorable conditions. Yes, you will need to verify your income.
Maintenance: 3,000 rubles per year.
Service grace period: yes, up to 50 days.
Credit limit: up to 600,000 rubles (initially, a limit of 100-200 thousand is set for new customers, with the possibility of increasing).
Rate for the use of borrowed funds: 25.9% per year (19.9-21.9% for existing clients).
Requirements for the borrower: age 21-65 years, permanent residence permit on the territory of the Russian Federation, work experience in the last place - at least 12 months.
Features and benefits of debit cards
For those who want to take advantage of the available bonuses, have an increased one and receive interest on the balance own funds on the account, Sberbank gold debit cards will do.
Advantages: an extended package of privileges, convenient management, fast crediting of funds, the ability to replenish an account via SMS, the ability to create an image of a loyal client for lending large amounts in the future.
disadvantages- annual maintenance fee.
Status plastic is an indicator of your financial well-being, and can even become one of the tools for confirming solvency when lending at another bank. Those who like to travel abroad often will rejoice at the opportunity to exchange currency between accounts at a preferential rate.
The cards have three accounts: rubles and dollars for Visa, rubles and euros for MasterCard. In addition to one account, you can open up to 5 cards, including for children from the age of seven.
Service: 3000 rubles per year.
Contactless payment: yes, for Visa.
Bonuses, privileges, annual maintenance cost
Surely you have already become interested - what bonuses and benefits does Sberbank offer to holders of gold cards- let's get a look:
- free insurance for those traveling abroad;
- the opportunity to apply for a program attached to the “Give Life!” card, from each purchase, which will transfer funds to the fund for children with oncology;
- preferential medical care;
- discounts in more than 20 thousand stores, restaurants, hotels around the world (information about them can be found on the websites of payment systems);
- additional protection of funds on the account;
- participation in the "THANK YOU" program - accumulate points by paying for purchases and entertainment from partners;
- emergency issuance of money in case of loss of a card abroad.
USEFUL TO KNOW: Withdrawal of funds at Sberbank's own ATMs without commission, the card can be linked to electronic wallets.
And finally - "gold" card is a privilege from the bank for favorite customers, as mentioned above. It is undoubtedly pleasant to receive an extended list of bonuses for free, or pre-approved plastic with a limit of up to 600 thousand.
Conditions for obtaining, how to apply online
You can apply for a "gold" card, provided that you meet the requirements set by the bank for this category of plastic. What are these requirements?
First of all, permanent registration in the territory of the Russian Federation is required(persons without citizenship or who do not have a residence permit in the issuance of the product will be denied).
Secondly, age - from 21 years old, it is obligatory to present documents (passports, income statements and copies of the work book) if you are a new client.
There are two options for how to order and receive a "gold" credit or debit card from Sberbank:
- leave an application for manufacturing using the website online;
- fill out an application at a bank branch.
The first is more convenient and mobile, especially for those who have Personal Area Sberbank.
You just need to enter it, select the type of card you are interested in and click the "Order" button. After the plastic is made, you will receive an SMS notification, and the card can be picked up at the branch.
The second option on how to open a Sberbank gold card is go to the nearest Sberbank office convenient for you, and leave an application for making a card there.
It will take no more than 15 minutes. The bank within 2-3 days makes a decision on the issue, and produces a personalized gold card of Sberbank. Immediately after its transfer to the desired office, you will receive an SMS stating that you can approach and receive a card.
IMPORTANT! The card is stored in the department for 30 days, if during this time the client does not pick it up, the plastic is destroyed.
If you left an application for a debit card, you will need to present a passport and a second document; on a credit card - a passport, a second document, a certificate of income and a copy of the extract and work book.
Terms of use
How to use a Sberbank gold credit card correctly? Before use your new card needs to be activated. To do this, you can wait until the bank itself performs the operation (within 24 hours from the moment you sign the service agreement) or make the first transaction using a PIN code.
Branch managers assist customers with self-activation, for which an ATM or payment terminal is usually used. An annual service fee is paid to the card account and at the same time it is activated. After that, you can pay for purchases in stores, shopping centers, the Internet, withdraw cash and make transfers.
ATTENTION! For "gold" cards, it is necessary to confirm all transactions using a PIN code, which is issued along with plastic.
Plastic is fragile, so it is important to carefully store your debit card. Do not damage the magnetic strip, do not give the card into the wrong hands. If you lose your card or PIN, call immediately hotline Sberbank and block it.
Replenishment, cash withdrawal
In order to use your new means of payment, you must first replenish your bank account.
You can do this in the following ways:
- transfer funds using mobile bank by SMS;
- deposit them through an ATM or payment terminal;
- replenish the account at the branch at the checkout;
- make a transfer from another bank;
- withdraw cash to a card from an electronic wallet.
There are already funds on the credit card, but monthly you will be required to make payments against the debt, and this is done by the methods described above. The easiest and fastest, given the huge number of them in all corners of Russia, is to deposit money through an ATM with a cash-in function.
To do this, insert the plastic into the device, enter the PIN code and select "Account replenishment". Enter the desired amount and insert the banknotes into the receiver. As soon as the transaction is processed (1-3 minutes), the funds will be available for use.
Golden bank card Sberbank attracts users with its status and advantages that distinguish and distinguish this product from the main line.
A Sberbank gold card in the hands of a client speaks without words about his material wealth, allows him to enjoy privileges and individual conditions. What - we will tell in detail in today's review.
What is a gold card of Sberbank of Russia?
This is a privileged card with a high level of service, a wide range of services and discounts for Visa and Master Card premium customers.
Available in both debit and credit versions.
What does a Sberbank gold card look like:
Golden debit card of Sberbank in a characteristic color:
A Sberbank gold credit card has a green stripe in the middle:
What does a Sberbank gold card give?
The Sberbank Gold Card provides privileges available only to premium customers:
- Discounts and bonuses from partners of Visa and MasterCard systems;
- Increased daily and monthly cash withdrawal limits;
- Service 24 hours a day, 7 days a week;
- Fast cash withdrawal service in case of loss of the card abroad;
- GCAS emergency services (overseas support);
- Medical and legal support in emergency situations;
- Receipt of cash abroad in subsidiary banks at "home" tariffs;
- Protected mode of operations using 3D-secure technology;
- Increased level of financial security;
- Individual service in offices.
Debit Visa and Mastercard Gold
Sberbank issues "gold" in the form of:
- Standard Visa and Mastercard Gold
- Visa Gold Aeroflot Sberbank (+ privileges from the air carrier)
- Visa gold "Give life" (+ participation in a charity program)
If desired, your employer can order a Sberbank gold salary card if you need its benefits for frequent business trips abroad.
A Sberbank gift gold card for a member of your family can be issued in addition to the main account with an individual limit.
Sberbank gold card: how much does this pleasure cost?
Fans of savings will definitely ask the question: how to get a Sberbank gold card for free? Very simple: this card has no issuance fee. But the cost of maintenance is another story.
Maintenance of a gold card costs 3,000 rubles a year.
As you can see, the pleasure of having a status card is not cheap. Whether such expenses are justified is up to you. At the same time, “Gold” is not the highest level. If you evaluate the advantages of a Sberbank gold card exactly how status card- pay attention to - Visa premium of Sberbank.
Discounts in stores
Sberbank Gold Card - discounts in which stores does it give? And how justified is their size?
The list of partners of Visa and Master Card systems, as well as the size of discounts, is updated regularly. Here are the most interesting of them for August 2016 from Visa:
- Cashback 10% of the bill in restaurants in Moscow and St. Petersburg;
- The second ticket to the cinema - as a gift when paying through the Rambler cash desk;
- 5% discount on tours paid through Rambler Travel;
- 5% discount on tours from the operator Mouzenidis-Travel;
- Glenfield knitwear with a 10% discount;
- Elite Spa and beauty salons with a discount from 10% to 50%;
- Gift bonuses for taxi rides Globaxi, Grand Auto, Gett;
- Discounts on clothes and shoes of famous brands: Chobi, Castell Menorca, Little Star, VASSA&Co, Rendez-Vous
- Discounts in perfumery and cosmetics stores: Renoir, Forum,
Mastercard also has many exclusive offers in the Priceless Cities program and provides discounts worldwide. Gold MasterCard cardholders can enjoy discounts at Porsche, BMW (for Series 7) showrooms, Panasonic equipment at branded showrooms, and much more.
Sberbank credit card
Mastercardgold and VisaGold are also issued in a credit version.
Credit card Master card gold Sberbank: conditions
- The card is issued for 3 years;
- The gold credit card of Sberbank of Russia implies reduced interest: from 25.9 to 33.9% per annum;
- Mastercard and Visa gold (Sberbank credit card) suggests;
- Maintenance cost - 3000 rubles per year;
- Cash withdrawal - 3%, minimum 390 rubles (at Sberbank ATMs).
If you received a bank - you can get a gold credit card with free service. To do this, you need to have a high-quality credit history and drive large turnovers every month. Money by bank transfer.
The Sberbank gold card has its drawbacks: it is available only from the age of 21 (in fact, applications pass only from the age of 25), the experience of the applicant for the card must be at least a year.
From the documents you need to provide:
- Passport of the Russian Federation with a permanent residence permit:
- Help 2NDFL;
- A copy of the work book.
How to use a Sberbank visa gold credit card?
The Sberbank gold credit card assumes the usual terms of use, with the exception of increased issuance, unless, of course, you decide on this costly event:
- Through an ATM - 100,000 per day (if you did not have a Sberbank gold credit card, the limit of 50,000 would be the maximum in this case);
- Through the cashier - 300,000 rubles. per day (for other cards - 150,000 rubles);
- You can withdraw up to 10 million rubles per month (for cards of another class, the limit is limited to 5 million).
We remind you that a gold credit card, like any other, is only beneficial for cashless payments! If you withdraw cash:
- Lose the grace period;
- Pay a withdrawal fee: 3% + 390 rubles
Please note: the new PayWave contactless payment technology is used only for Visa cards!
How to apply for a Sberbank gold card?
Since the card is considered privileged, it is not issued to the first comer. You must submit an application to the bank, provide a passport of a citizen of the Russian Federation and wait for a decision - whether the bank will approve the Gold Card for you. You will have to wait 2-3 days for a response.