Visa gold what a card. Sberbank gold cards: what are the advantages and disadvantages? Additional opportunities for "Visa Gold" cardholders
Sberbank of Russia offers a huge amount of different cards for registration - from simple cards Russian payment system MIR, up to premium cards Visa Platinum. Each of them has its own indisputable 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 having a relatively low cost of maintenance - Gold card from Sberbank.
Sberbank of Russia issued three gold cards types:
- credit
- debit
- gift card
Three available payment systems- Visa, MIR and MasterCard. You can also get information of interest from a consultant in the department.
Recently, having entered your personal account in the remote banking services Many users have seen a pop-up window that reads a message like: "You have been pre-approved by 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 customers who somehow deserve confidence.
If you received a message or a call from Sberbank with a proposal to issue a card - do not hesitate to ask the consultant to give his personal identification number of the employee. If scammers call, most likely this will confuse them and they will just hang up.
So, in this article we will tell you:
- about the differences between the gold card and the usual
- advantages and disadvantages
- we will consider in detail the conditions for issuing credit and debit cards category Gold
It does not matter whether you are applying for 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 re-issuance comes, almost everyone thinks: “Why not get a gold card?”.
Why I have a gold card, if I can get a regular one? - it is this question that is most often asked to a consultant who offers to issue a Gold card at the time of visiting the Sberbank office.
Let's figure it out how is it different from instant cards and classic cards Visa Classic or MasterCard Standart:
- Service cost... Gold cards are quite expensive to maintain, for debit cards the annual service cost is 3000 rubles. An ordinary classic is 4 times cheaper - about 600-900 rubles. Instant cards MIR and Momentum - 150 rubles per year.
- Issue of salary cards... Many employees receive their salaries on the Sberbank card. Within the framework of the salary agreement, only classic cards can be issued, this is impossible for gold cards.
- Appearance... Until now, for many people, gold remains something super attractive. Gold cards are issued in the appropriate shade, classic cards are gray, instant cards are blue or with a color pattern. In the opinion of the editorial board, you will not surprise anyone with the appearance of a gold card.
- Bonus program... Holders of Visa Gold and MasterCard Gold, along with the holders Platinum cards, have access to discounts and bonuses from partners of payment systems. This is not available for regular classic cards.
- Service... For holders 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 to make it immediately clear do you need such a card or not. Will the cost of service cover the bonuses available to its holders - read on.
Advantages of the Sberbank gold card
When it was only planned to write an article, we conducted a survey cardholders, and have compiled a certain rating of benefits. Imagine our surprise when, after counting, it turned out that the majority of respondents called the main advantage "Premium and status" cards.
In order to conduct an expert assessment, the editors of the portal decided to contact directly the one who knows everything about the cards - the pros, cons and has already told his precious clients about it more than once.
We met with the current an employee Sberbank, which is directly involved in the design and issuance of gold cards, and learned his opinion about the pros.
- Increased cash withdrawal limit... If for classic cards it is 150 thousand rubles, then for gold cards it is 300 thousand rubles per day. Namely:
- cash withdrawal from a Sberbank ATM - 300,000 rubles
- issuance through the cash desks of Sberbank - 300,000 rubles
- withdrawal from ATMs of subsidiary banks - RUB 300,000
In fact, no one forbids you to withdraw 300 thousand from your card. at an ATM, and immediately go and withdraw another 300 thousand through the cashier.
As a rule, with the active use of a credit card, the bank increases the credit limit on its own. Also, a request to increase the loan amount can be sent through a special form in Sberbank Online
We did not talk about appearance, because this will surprise no one. We tried to reveal those Benefits that cannot be seen with the eyes.
Cons of the card
The survey showed that all users as one name the main disadvantage high cost of annual maintenance.
Also, some of the respondents expressed dissatisfaction with the fact that promotions and discounts, which is one of the main advantages of the specified type of cards, are not very enthusiastically supported partners in Russia... There are many more offers abroad.
Our expert, who is an employee of the bank, confirmed the opinion of fellow citizens, passing the final verdict - before registration weigh the pros and cons... If you do not travel very often, or do not withdraw large amounts every day, then perhaps Visa Classic or MasterCard Standart cards are more suitable for you.
Card issuance conditions
If you nevertheless decided on the registration, then for you we will briefly tell you on what conditions the gold cards are issued.
Debit cards Visa and MasterCard Gold:
- Card currency: euro, USD, Russian ruble
- Validity: 36 months
- Annual maintenance: 3 thousand rubles
- Consideration period: up to 48 hours
- Additional cards: yes, 2.5 thousand rubles / year
- Required documents: the passport
Visa and MasterCard Gold credit cards:
- Card currency: euro, USD, Russian ruble
- Validity: 36 months
- Annual maintenance: is free
- Interest: 25.9% per annum
- Cash withdrawal fee
- Consideration period: up to 36 hours
- Additional cards: No
- Required documents: the passport
Borrower requirements:
- the passport Russian Federation
- permanent registration
- age from 21 to 65 years
You can find a detailed description of the tariff for the indicated cards.
Credit cards Visa Gold "Give life":
- Card currency: Russian ruble
- Validity: 36 months
- Annual maintenance: is free
- Interest: up to 33.9% per annum
- Cash withdrawal fee at Sberbank ATMs: 3%, at least 390 rubles
- Consideration period: up to 36 hours
- Additional cards: No
- Required documents: the passport
Borrower requirements:
- passport of the Russian Federation
- permanent registration
- age from 21 to 65 years
- at least six months at the last job
Since December 2016, Visa and MasterCard Gold and Visa Gold “Give Life” credit cards are issued only to those customers for whom there is pre-approved offer... You can find out if there is one for you by contacting the Sberbank branch or the Contact Center.
If you are faced with a choice, and still cannot decide which card is right for you, watch the video material, which contains a detailed comparative analysis.
Plastic Gold status has always been considered privileged among potential borrowers, so most banks have this offer in their product line. So, Sberbank offers its customers to issue a gold credit card from Visa or MasterCard systems. Credit card The Gold Sberbank visa is distinguished by acceptable lending conditions and other advantages, in order to understand as much as possible whether it is worth getting a credit card or not, you need to carefully study its conditions, advantages and disadvantages, as well as reviews of the owners in order to form the correct idea about it.
How to issue a card
To begin with, it should be said that gold cards are really beneficial for wealthy clients. After all, they make it not easy to pay with the help of their goods and services, but also to receive additional bonuses. In addition, the card is irreplaceable as a payment instrument abroad, because to pay for purchases in foreign currency conversion is automatic. The owner of the gold plastic also has the opportunity to take part in the Thank you bonus program.
Credit card requires borrowed money... The bank has a number of essential requirements for a potential client, we will consider all of them:
- Citizens of the Russian Federation aged 21 to 65 can become a client;
- the presence of permanent registration in the region of plastic registration is required;
- income level must be documented with a certificate on the second form for individual entrepreneurs 3-NDFL certificate;
- length of service at the last place of work, you must confirm a copy of the work book.
You can submit a preliminary application without leaving your home online on the official website of the bank. After making a positive decision, you need to appear in person at the bank with a package of documents and a passport to issue a card.
It is important that at the bank branch you will need to provide all documents for which a certain period is allotted, because security officers must verify the authenticity of the documents and assess their risks.
Sberbank gold credit card conditions: official website
Terms of Service
Despite the fact that for each client the bank determines individual conditions it is worth considering what rates are available for a product such as a Visa credit card Gold Sberbank... Conditions:
- maximum amount credit funds- up to 600 thousand rubles;
- service fee - 3 thousand rubles annually;
- grace period - up to 50 days;
- annual rate - up to 33.9%;
- penalty for late payment of debt - 36% of total amount debt.
These are general conditions, but if you have received a pre-approved decision to issue a credit card, there will be special conditions for you. First, the bank determines in advance the interest rate and the amount of the limit. Second, the advantage for banking clients Is the absence of annual maintenance fees.
Please note that SMS notification is free for holders of gold credit cards.
How not to pay interest
For most users, such a concept as Grace period not known for certain. If you know exactly how to use the grace period, then you don't need to reward the bank. Here, a grace period of 50 days is valid for the Gold card: according to the terms of service, the first 30 days are settlement period, it starts from the date specified in the contract and is valid for 30 days. During this period, the user can make purchases and pay for them with a card, and in the next 20 days after the end of the billing period, the payment period begins, this period must be paid in full, then the bank will not charge a fee.
To understand how to use the Sberbank Visa Gold credit card correctly, you need to carefully calculate the grace period. In your loan agreement the start date of the grace period must be indicated, 30 days should be counted from it - this is the period for payment for goods and services. It is worth paying attention to the fact that no matter what day you made a purchase within 30 days, even if you made it on the last day, the billing period for you will start from the next day. At the end of the billing period, you have another 20 days to pay the debt in full, otherwise the bank will charge you interest.
If the client did not manage to pay the arrears of expenses during the billing period during the grace period, then he will have to pay interest. Monthly minimum amount payment is 5% of the amount owed. Before the date of payment, the bank notifies customers of the need to pay off the loan. Still, it is not recommended to pay the debt in small installments, because in this option the user pays basically only the bank's remuneration.
It is important to note that the grace period applies only to non-cash transactions.
Receiving money from an ATM
A credit card is needed for non-cash payments, and it is highly discouraged to receive borrowed funds in cash, if you need money for household expenses, then it is wiser to issue consumer credit... For cash withdrawals, an additional fee of 3% is charged, but not less than 390 rubles, plus interest will be charged on the amount of cash withdrawn from the next day.
For example, if you want to receive 10,000 rubles in cash, then you will have to pay 390 rubles. And if 100,000 rubles, then 3000 rubles is a commission. This amount will also be deducted from your credit card account.
Important! If the credit card contains own funds, then you can get them in cash only with the payment of a mandatory commission.
Basic terms of service
As stated earlier that annual percentage and the amount of borrowed funds is a strictly individual matter, they will depend on several factors. First of all, the bank can determine the limit and percentage only after studying the documents potential borrower... The higher the income level, the higher the limit and the lower the interest rate.
If you have received preliminary approval for issuing a card, then the bank has already determined the terms of its service personally for you. It will be much easier for salary recipients to issue plastic, because they will not need a certificate of wages, the decisive role for a potential client is played by his credit history.
What gives Gold status
Since gold credit cards primarily emphasize the status of their owner, they have a number of possibilities, namely:
- bonuses from global payment systems;
- free round-the-clock consulting services;
- free remote services Internet banking and SMS informing;
- instant issuance of funds outside the Russian Federation in case of loss of the card;
- the possibility of contactless payment thanks to the PayPass service;
- technologies for protecting online purchases 3D-secure;
- convenient ways to replenish your account.
All pros and cons
The terms of use of the Visa Gold credit card of Sberbank are more than acceptable for potential use. By the way, there is a misconception that only financially secure customers can receive gold credit cards, but absolutely everyone can become the owner of plastic, regardless of income level. Just think about whether the capabilities really justify the high cost of annual maintenance.
However, to begin with, it is worth considering the advantages and disadvantages. The pluses include:
- long grace period;
- loyal interest rates;
- the ability to get emergency cash abroad;
- the ability to pay for purchases while traveling;
- bonuses from Sberbank and the payment system;
- high credit limit;
- convenient remote services;
- the minimum age of the borrower is from 21 years;
- free Mobile Bank;
- the opportunity to save on overpayment and maintenance.
Among the shortcomings, one can single out expensive service for clients who have not received a pre-approved offer from the bank, the lack of a grace period for a cash withdrawal operation, high percent for withdrawing cash from an ATM and high fines for late fulfillment of credit obligations.
Most famous bank in Russia offers its customers cards for every taste. But compared to others, gold coins have always had and still have colossal advantages. Sberbank's Visa Gold is one such card.
Many people still cannot fully figure out what is the difference between gold cards and whether it is worth paying such amounts for their service. Whether "Gold" cards justify their status, everyone decides for himself, but the fact that there are much more opportunities for them is a fact!
Important advantages of Visa Gold Sberbank
This credit card provides ample opportunities for its holder. It emphasizes the status of the card holder, in addition, such a card has properties that allow you to use it with greater benefit.
What are the main advantages of Sberbank's Visa Gold?
- The holder of the "Gold" card at any time by calling contact center bank, can get information support.
- It is possible to manage your own account through the Internet.
- Maps are tied to the most common and famous payment system Viza.
- Funds on the card can be held in any currency.
- There is no overdraft limit.
- You can withdraw money from the card not only in Russia, but also abroad.
- It is not necessary to make a down payment to the card account.
- Money is credited to cards very quickly.
- Early or regular issue of the card is free of charge.
- The account statement can be made without commissions.
- You can make an emergency issue of funds abroad free of charge. This is possible in case of a lost PIN or card.
- It is possible to withdraw cash from the card from partner banks on the same terms.
Additional opportunities for "Visa Gold" cardholders
The main advantages of Visa Gold have been listed above. Sberbank, in addition to them, offers its customers additional card options. These include:
- Mobile Bank.
With this service, you can manage your account and receive reports on the transactions performed. It is also possible to perform expense transactions using a mobile phone.
- Sberbank Online".
Through this service, you can make payments for goods and services, credit funds and make money transfers.
- "Auto payment".
With this service it is possible to pay automatically (with desired settings frequency and volume) such important payments as the Internet, cellular communications, housing and communal services, cable TV.
- Protected mode.
Using the one-time codes sent to the holder, you can pay for goods and services via the Internet in a secure manner.
Visa Gold: discounts
Sberbank customers who use Gold cards have the opportunity to receive discounts at the bank's partner companies.
There are special programs for cardholders:
- Discounts at the Hertz car rental company.
- Discounts in thousands of shops and companies in thirty-three countries of the world. Holder Gold cards automatically becomes a member of the Countdown program. Without a gold card, membership in this program is fourteen dollars.
Visa Gold: offers
Anyone who wishes to have permanent limited money at interest can apply for a gold card. But it should be taken into account that the permanent holders of the Gold card receive colossal advantages in using it. They have reduced interest rates and a free annual service.
The most reliable clients are personally offered to issue a Sberbank gold card. Visa Gold credit card gives you the opportunity to be considered a privileged consumer banking services... In this case, you can get a credit card at reduced interest rates and with free service.
Types of cards "Visa Gold"
Interesting and profitable loans for its clients are offered by one of the most famous banks. Sberbank's Visa Gold credit card is a convenient solution for people who respect their time and money. Gold cards are issued under several programs:
- Debit card "Visa Gold".
Such a card emphasizes the prestige and status of its owner. It allows you to participate in special programs with promotions that provide discounts. The card is opened to citizens who have reached the age of 18. Non-residents of the Russian Federation can also purchase this card... Service of the card costs three thousand rubles a year.
- Credit card "Visa Gold".
The credit limit of the card is quite high, it is 600,000 rubles. It also has a grace period of up to 50 days (during this period, you can use funds without interest). The card gives you the opportunity to participate in various promotions, where there is a guarantee of very favorable discounts. Her annual service is 3,000 rubles. There is also a withdrawal fee of 3%. Interest rate is 23%, and if the client falls under the action, the rate will be 17.9%.
- Co-branded cards.
Besides regular cards the bank issues plastic cards that allow you to accumulate bonuses. These special offers include:
- Viza Gold Aeroflot card (when paying for services with this card, bonuses are accrued, which can be used in the future when buying an air ticket).
- Viza Gold card "Give life" (the accumulated bonuses go to the charitable foundation).
Annual card service costs RUB 3,500.
The possibilities of the gold card give its consumers, for whom convenience comes first, great advantages. Plastic cards from Sberbank are easy to issue. An application for a card can be submitted online, by phone or at a bank branch.
Receiving a salary on a Sberbank plastic card is a familiar procedure for many Russians. Sberbank is the leader among issuers, has the widest ATM network, and this justifies the choice of corporate clients in its favor. As a rule, classic options are used for a salary project. Who is the salary gold card for, how much it costs and how to use its advantages - this is what our article is about.
About the salary project
The contract for the transfer of the salary of employees is concluded by the organization - the employer. According to this agreement, Sberbank issues personalized plastic cards for each employee, according to the list provided by the organization. If new specialists are hired, an additional list is sent to the bank.
After the cards are issued, they are issued to employees along with personal PIN codes.
It is important to know that within the framework of the salary project, all cards are issued and serviced free of charge. The commission for the transfer of money is paid by the company - the employer.
The cardholder does not bear any costs, except paid services connected on a voluntary basis. For example, a user can order a paid SMS notification from the bank.
The fact that the card is issued as part of a salary project does not relieve its owner of the responsibility for fulfilling obligations to the bank. For example, having received an overdraft, you need to pay interest and fees on time to avoid penalties.
When an employee is fired, the company sends information to the bank, and the card is excluded from participation in the salary project. This means that the cost of the service must now be paid by the owner. If you want to leave the card for personal use, a former employee of the company can simply continue to use it until the expiration date. If there is no such need, you need to write an application to the bank about.
For those who already have a Sberbank card, the pluses and minuses of it are obvious. Holders of salary cards have all the rights of users of the bank's services, and can manage the card account through mobile applications. Sberbank gives the participants of salary projects advantages when considering loan applications by issuing consumer loans under two documents.
As a salary option, the bank only issues debit cards. If an employee already has a credit card, and he wants to receive his income on it, this can only be done privately by writing an application to the accounting department.
Sberbank salary cards
Immediately, we note that the bank bears the costs of issuing and servicing cards. The higher the status of the plastic and the more options it has, the more it costs the bank. These costs are compensated by the cardholders by paying the cost of the annual maintenance and other commissions.
The service fee for salary plastic is included in the tariffs for companies. But at the same time, the calculations take into account indicators for cards of the mass segment, standard and classic statuses. Among them:
- Classic cards Visa and MasterCard - these products are offered as salary to corporate clients of Sberbank, commercial and manufacturing companies;
- 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 their owners to fully use them without fear for the safety of payments. In addition to standard functions, the cardholder has access to bonus programs of the bank, for example, "Sberbank-Thank you".
Plastic and with a higher status: gold or platinum can become a salary card. As a rule, such issues are resolved in individually, below we will talk about this.
Gold cards: advantages and disadvantages
The bank's lineup also includes premium products. The Sberbank gold card is associated with the high status of its holder. The bank gives it an extended package of privileges, consider what it is:
- The holder of Visa Gold Sberbank automatically participates in promotions of payment systems. The terms of the promotions can be found on the Visa and Mastercard websites;
- The bank provides round-the-clock concierge service. At any time you can get help and advice from the contact center specialists;
- In cases of loss or theft of the card, the owner is guaranteed an emergency cash withdrawal, in Russia and abroad;
- Possibility of settlements with the participation of funds electronic services(Yandex Money, etc.);
- Earning miles for free flights and paying for hotels (the service is available to Aeroflot Visa Gold holders);
- Additional information security systems (electronic chips and 3D-Secure technologies).
In addition to the above preferences, the owner of the gold plastic has full access to standard products and bonus programs jar. For example, for each non-cash payment, the account will be credited with bonus points from the "Thank you" program for subsequent exchange for discounts from partners.
Does gold have salary card Sberbank advantages for its owner? Of course, because the bank traditionally has a loyal attitude to the holders of gold Visa or MasterCard. This is expressed not only in the prompt solution of all emerging issues, but also in the offer of benefits and reduced tariffs... If an employee has a gold visa salary card, he can be given a credit card with an approved limit and without annual pay.
The disadvantages of gold salary plastic will appear for the owner in the event of his dismissal: all the costs of maintaining the card will have to be paid independently.
Conditions for receiving
For customers who receive Sberbank gold plastic on normal terms, its annual maintenance will cost from 3,000 to 3,500 rubles, depending on the branding and product options.
It is clear that such prices do not allow the bank to massively distribute "gold" for salary projects.
Therefore, the Visa Gold salary card is rather an exception and the bank's loyalty to its corporate partners. How can you get it? The bank will answer this question by analyzing salary project specific company.
In practice, gold cards are payroll bank issued to the heads and top managers of the companies participating in the project. Professionals with high income and value for the company can also get "gold". The number of bonus cards is approved at the stage of negotiations on a salary project with the bank.
Thus, the conditions for obtaining premium plastic as salary are entirely dependent on the employing organization.
Note that the employee has the opportunity to include in the salary project a personal gold card Visa or MasterCard. But the decision on this issue must be approved by the bank.
Evaluating the pros and cons of a Sberbank card, one can draw an unambiguous conclusion in its favor. Convenience of settlements, Internet services, security and pleasant bonuses - all this together provides a high rating for Sberbank's plastic. As for the choice between gold and classic options, then an individual decision is made here.
Terms of card production
In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and others large cities the card will be ready in 2–3 working days; in regions, production and delivery will take from 3 to 10 working days. For delivery to remote settlements it may take up to 15 business days. Exact timing is possible.
When issuing a card, only working days are taken into account. If you order it on Friday evening, then the production time will be counted from Monday.
You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the "Cards" section.
What documents are required to receive a card?
To pick up the card, take your passport or other document that was used to apply for the card with you. To get a card for another person, you need a notarized power of attorney.
How to start receiving bonuses THANKS?
After receiving the card, you must register in the "Thank you from Sberbank" program. The easiest way to register: send an SMS to number 900 with the text THANKS 1234, where 1234 are the last four digits of the card number.
You can also register in the program at personal account Sberbank Online and at Sberbank ATM - find the section "Thank you from Sberbank" and follow the prompts.
Bonuses are credited automatically when paying with a card - their number depends on the level of privileges.
It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus Thanks are credited to the account.
How can I use THANKS bonuses?
Thank you bonuses can be exchanged for discounts when purchasing goods and services from Partners, a full list of partners is available. In addition, the THANKS bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodation (on the site "Thank you from Sberbank. Travel"). Bonuses can also be exchanged for discounts when buying tickets for events - the service is available on the site "Thank you from Sberbank, Impressions".
How can I find out the details of my card?
To find out the details, in mobile application Sberbank Online find the required card and click "Show details".
Another way: in your Sberbank Online personal account, go to the "Cards" section and find the card you need, then "Information on the card" → "Details of the transfer to the card account".
Is it safe to use a contactless card?
Yes, the card is safe. She is always in the hands of the owner, so her data remains inaccessible to fraudsters. Making purchases without presenting a card and entering a PIN is much safer, since no one can see the card details. Moreover, contactless technology protects against double write-offs - after paying for the purchase, the terminal beeps and turns off automatically.