Visa Classic Youth / Master Card Standart Youth
Visa Credit Momentum / Master Card Credit Momentum
Annual maintenance for QC.
% of the QC rate.
QC parameters.
CC opens only in rubles !!!
For a period of 3 years, only Momentum (1 year) is excluded.
Additional cards to KK are not issued. The client can have only 1 CC in the SB, a grace period of up to 50 days (by bank transfer).
Mandatory connection of the Mobile Bank - free of charge !!!
QC can be used abroad.
The credit limit is set no later than the next business day after receiving the card (applies to all CC)
Information on the action of the QC can be obtained in the monthly report, by calling the ERCC.
The term "Package offer" is only a preferential category !!!
The KK account is closed within 30 days.
Am cards. Express.
Am. Express is only credit cards !!!
Currency - rubles, $, euro
These cards can be issued by both “beneficiary” clients and “off the street” clients.
Clients "from the street" can issue cards Am. Express Platinum.
Customers "beneficiaries" can apply for cards Am. Express Platinum and Am. Express Black.
For credit cards Am. Express additional cards may be issued !!!
Within the tariff "Presidential" card issued Am. Express Black.
BIN - bank identification number, indicated on the face of the card - first 6 digits.
One issuing bank can have several BINs.
One BIN cannot belong to several banks.
Pin- this is an analogue of the personal signature of the holder.
17.04 Anastasia "Problem solving"
BC numbers:
Report Date (d.o.) - it is a fixed date for each month. It is indicated on the pin envelope, in the contract and can be found in the ERCC, in the VSP.
Payment date (d.p.)- this is the date by which the client must make a mandatory payment and it is calculated as 20 days from the date of the report, excluding this date.
Obligatory payment (o.b.) - this is the amount of the minimum payment that the client is obliged to make before the date of payment (a.d.) and is calculated as 5% of the principal amount (o.d.) +% commission, penalties, annual service. The obligatory payment cannot be less than 150 rubles. !!!
Grace period- this is the period during which no interest is accrued for the use of credit funds.
The grace period applies only to non-cash transactions in the TST and ranges from 20 to 50 days.
The grace period is valid only until the date of payment !!!
To maintain the grace period, you must pay off the entire amount of the total debt before the due date. !!! If the client has not paid the entire amount of the total debt before the payment date, or has made only a mandatory payment, then the grace period is not saved (canceled) and% is charged from the moment of the transaction.
If the client pays the amount before the reporting date (d.o.), then it automatically goes to reduce the total debt. (Primarily for cash payment).
When withdrawing funds from the CC, the client must deposit funds + 3% of the amount, and the grace period is not provided here.% Is accrued after the withdrawal.
Penalty- these are the penalties charged by the bank for the amount of mandatory payment from the moment of formation of the debt (the next day after the date of payment) in the amount of double% of the rate.
Problem number 1.
The client has KK Visa Classic for the preferential category at 19% per annum.
Plastic with 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 Visa Gold Sberbank 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 get 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 indispensable as a payment instrument abroad, because to pay for purchases in foreign currency, the conversion takes place automatically. The owner of the gold plastic also has the opportunity to take part in the Thank you bonus program.
A credit card requires borrowed funds. 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;
- the level of income must be documented with a certificate according to the second form for individual entrepreneurs, a certificate of 3-NDFL;
- seniority at the last job, you must confirm a copy of the work record 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 submit all documents for which a certain period of time is allotted, because security officers must verify the authenticity of the documents and assess their risks.
Sberbank gold credit card terms: official website
Terms of Service
Despite the fact that the bank determines individual conditions for each client, it is worth considering what tariffs are provided for a product such as a Visa Gold Sberbank credit card. Conditions:
- the maximum amount of 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 the total amount owed.
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. Secondly, the advantage for bank clients is the absence of an annual service fee.
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 a grace period is 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 is the billing 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, during this period you need to pay the debt 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. Your loan agreement must indicate the start date of the grace period, 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 in the billing period during the grace period, then he will have to pay interest. The monthly minimum payment amount is 5% of the amount owed. Before the date of payment, the bank notifies customers of the need to pay 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 a consumer loan. 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 your own funds are stored on a credit card, then you can receive them in cash only with the payment of a mandatory commission.
Basic terms of service
As mentioned earlier, the annual interest rate 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 interest only after studying the documents of a 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 salary, the decisive role for a potential client is played by his credit history.
What gives Gold status
Insofar as 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 customers who did not receive a pre-approved offer from the bank, the lack of a grace period for a cash withdrawal operation, a high percentage for cash withdrawals from an ATM, and high fines for late fulfillment of credit obligations.
For clients who are ready to actively borrow and spend large sums on non-cash transactions, a gold credit card of Sberbank has been developed. Its terms compare favorably with ordinary credit cards, but require a thoughtful attitude, correlating with monthly expenses and earnings.
Terms of use of the Sberbank gold credit card
Gold cards, in contrast to classic ones, imply a higher status and earnings of their holder, and, consequently, a greater turnover of funds on the account. Hence follows a greater number of privileges that banks and payment systems provide. Akin to them:
- Rich bonus programs;
- 24/7 customer support;
- Free mobile and online banking;
- Free SMS-informing;
- Issuance of funds when the card is lost outside the Russian Federation.
Gold status alone does not guarantee that the card will be more profitable than other products on the market. It is important to consider the tariff - the duration of the grace period, the percentage and the amount of the minimum payment.
Grace period conditions
Competently disposing of knowledge about a credit card, holders of a gold card may not pay the bank at all. To do this, you need to know the intricacies of calculating the grace period - the time during which you can use borrowed funds for free. During this period is 50 days, of which:
- The first 30 days is a billing period that always starts from the date, once specified in the contract. At this time, the client can freely make purchases and pay for services with a card;
- The next 20 days is a payment period during which the debt must be paid in full. If this condition is met, Sberbank does not charge interest.
It doesn't matter when the client paid with the card. Even if this happened a day before the expiration of the billing period, the billing period will still come on the next day - accordingly, the payment obligations along with it. The size of the minimum tranche is 5% of the debt amount on a monthly basis. Failing to pay it on time, the holder begins to acquire a large percentage (up to 25.9% per annum).
Card tariffs
For gold cards, the same tariff applies, regardless of the payment system - MasterCard or Visa. Differences are observed only for clients of different status (more on this below).
Service condition | Tariff description |
|
Card funds limit | Up to 600 thousand rubles |
|
Interest rate | 0% during the grace period, after - 25.9% * |
|
Grace period | Up to 50 days to pay for goods and services |
|
Minimum payment | Once a month - 5% on current debt + interest |
|
Payment system | At the client's choice - MasterCard or Visa |
|
Card cost | ||
Accrual of bonuses |
|
|
Cashing out a card |
|
|
Additional options |
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* For current clients, incl. salary, Sberbank offers favorable conditions - a credit card rate of 23.9%. To qualify for a reduced percentage, you need to check the online bank: if the offer is up-to-date, the option “submit an application” will be available in your personal account.
Bonuses and discounts on the card
Instead of the classic cashback, Sberbank is implementing its own “Thank you” bonus program. According to its terms, a client who actively uses a credit card receives bonus points to his account. More about conditions:
- The points earned can be exchanged for discounts at partner institutions;
- Exchange rate - one “thank you” point is equal to one ruble of the discount;
- As bonuses, 0.5% of the purchase in any institution is debited, and up to 30% in an affiliate.
In addition to Sberbank, the privileges are promised by the Visa and MasterCard payment systems. Among them - discounts on purchases in retail chains, the service sector, free minutes in international roaming, a profitable transfer from the airport, etc.
Cash withdrawal
Initially, credit cards are intended for non-cash transactions. It is not profitable to withdraw funds from such cards, and Sberbank plastic is no exception. Nevertheless, if you urgently need cash, you can withdraw it at the rate:
- In own ATMs and ATMs of subsidiaries - a commission of 3%, while the withdrawn amount must exceed at least 390 rubles;
- At ATMs of third-party banks - 4% with a minimum cash out of 390 rubles.
An important nuance: if the holder's own, non-credit funds are stored on the plastic, then it is impossible to withdraw them from the ATM without paying a commission.
How to get a Sberbank gold card?
For this:
- Open the section of the site "Credit Cards";
- Find a card from Sberbank in the database;
- Review the terms and conditions for the client;
- If everything is okay, click "Apply".
You won't have to wait long - after considering the application, Sberbank will send an SMS message within an hour.
Borrower requirements
- Russian citizenship;
- Registration is not required;
- Age from 21 to 65 years old;
- Of. employment with a total experience of a year;
- At the same time, seniority is in last place - from 6 months.
Of course, the state of the credit history will be of paramount importance: there should be no systematic delinquencies in the client's past, as well as open debts at the time of contacting the bank.
Documents for registration
- General civil passport;
- Application for card issue.
The list of additional documents should be checked with the operator or in the call center, but usually these are:
- For current customers - a debit card in use;
- For pensioners - an extract on the amount of payments from the Pension Fund of the Russian Federation;
- For the rest of the applicants - a certificate in the form of a bank or 2-NFDL for the last six months + a copy of the work document, certified at the place of employment.
Card redemption methods
There are not many ways to replenish a credit card from Sberbank - it is customary in a financial institution to settle accounts with customers without resorting to third-party infrastructure and payment systems. So, for a tranche, the following are suitable:
- Sberbank's own ATMs;
- Mobile and online banking;
- Cashier in one of the branches.
The use of mobile and online banking is especially convenient: applications build a payment schedule and warn about the consequences of delays.
Pros and cons
Gold Sberbank credit card is a product Benefits and the disadvantages of which are well known: plastic has been produced for a long time and has overgrown with an impressive clientele. Let's designate its strengths and weaknesses point by point:
As a result, the gold card remains a good solution for holders whose credit card turnover is large: in this case, you can earn extra money on the bonus program, and the amount of annual service does not feel excessive.
Among this list is the Visa Gold Sberbank card, the main characteristics of which are discussed below.
Advantages of the Visa Gold Sberbank card
Like other plastic products of Sberbank, the Visa Gold card has its own advantages and disadvantages. Since the "Golden Card of Sberbank" does not belong to entry-level plastic cards, the cost of its service is much higher and amounts to 3 thousand rubles. in year. The main advantage of the card is considered to be increased according to the program, which can be obtained with non-cash payment at. Also, for holders of this card, discounts are provided on the program, as well as discounts on various events under the program.The main advantages and privileges of the Visa Gold debit card from Sberbank:
- used currency: euros, rubles or dollars;
- issue of additional cards, including cards for children from 7 years old;
- access to promotions and discounts even in other countries;
- equal service and cashing out of funds in the Russian Federation and abroad;
- reliable protection with an electronic chip;
- use as a salary card.
Since Visa Gold Sberbank belongs to premium cards, then, regardless of the chosen one, the subscription fee is not charged. The service will be useful to those customers who, as well as closely monitor money transfers made using the card.
Limitations of the Visa Gold card Sberbank
Visa Gold card Sberbank, like other plastic cards, has some restrictions, for example, a limit on spending money. For Visa Gold, Sberbank has the following: for a month - 3 million rubles, and for a day - 300 thousand rubles. If the daily limit is exceeded at the time of transactions, the bank charges a commission. Its size is: in devices and cash desks of Sberbank - 0.5% of the amount; 1% - at ATMs and terminals of other banks.The card is valid for 3 years. Upon completion of this period, you can close the account, order or renew the existing contract. You can replace a valid card even before the expiration date, without paying a commission.
Visa Gold card top-up options:
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Sberbank cards are issued with the largest circulation in Russia. Advertisements are everywhere broadcasting the benefits of purchasing a product. When a potential client wants to design plastic products, he is offered a wide choice. Special opportunities are provided by premium cards, which allow you to feel the full-fledged level of service. The Sberbank gold card allows you to get more options when using it, emphasizing the status of the owner favorably.
Gold map - description
The Sberbank gold card is premium plastic with support for MasterCard, Visa, MIR payment systems. The line of high-end products begins with it, then platinum, diamond. MIR issues cards for pensioners. Previously, retirement credit cards were made from the Maestro payment system. At the moment, senior citizens and employees of budgetary organizations receive payments from the Russian payment system.
The Gold card is a standard size gold plastic product with a built-in chip. All products of the three payment systems look similar. In the center there is an embossed inscription of the card number, validity period, name, surname of the carrier. Modern cards are issued with the WI-FI sign shown in the upper right corner. Gold credit cards, in addition to being gold, have a green stripe in the center, just like classic silver cards.
The main differences between Visa and MasterCard Gold from standard products are as follows:
- modern security technologies;
- round-the-clock free service;
- customer support within 24 hours;
- emergency blocking, withdrawal of finances regardless of time;
- participation in the "Thank you" program with an increased rate of points accumulation.
When issuing a Gold Sberbank card, the employee informs the potential user about all operating conditions, depending on the type of product. The list of partners supporting the "Thank you" program with the accumulation of bonuses is constantly growing.
Registration, conditions
Both individuals and individual entrepreneurs can apply for a Gold card. To order plastic, you should visit the Sberbank office or leave a request through the official website. The method does not work for Aeroflot. The credit card must be pre-approved by the bank. This is the kind of offer that is sent to the bona fide clients of the institution. A pre-approved card is only issued upon presentation of a passport.
If a citizen wishes to receive an individual design gold card, then the application must be submitted online. The desired photo of the front side of the plastic should be attached to the application.
The client will be able to receive the finished product one to two weeks after approval. The completed application is considered within two days. When the card is ready, the owner will receive a message to his mobile number. Products are received at the agreed office of Sberbank.
Requirements for owners
You can find out to whom the card is issued through the Sberbank website or through the department employees. Those wishing to purchase a debit Visa Gold should meet the following points:
- permanent registration;
- Russian citizenship;
- age over 18 years, if the card is debit, from 21 to 65 - credit.
Both individuals and individual entrepreneurs can apply for a Gold card. Those wishing to purchase a credit card should have a total work experience of more than one year over the past five years. At the last place of employment, the duration of work must be longer than six months.
For those wishing to purchase a Gold Visa or MasterCard credit card, the requirements are higher, employees may ask for additional documentation:
- income statement;
- a certified copy of the work book, confirming the work experience of at least one year.
It is necessary to pick up the finished plastic with the presentation of a Russian passport, the rest of the documentation is not needed.
Terms of use
Gold products cannot be issued as a gift - they are personal and issued only after signing an individual agreement. After receiving the card, you need to activate it. The order of use includes many financial transactions;
- deposit and withdrawal of cash;
- payment for purchases through online stores and retail outlets;
- payments (utilities, cellular communications, fines and others);
- checking the balance of a bank card;
- Money transfers.
Billing
The main differences for Gold cardholders depend on the type of product. There are special limits and restrictions for credit card users. Plastic cards MIR, unlike products of international payment systems, are issued for five years. They can be used only on the territory of Russia, in contrast to Visa and Master Card. Other credit cards are valid for three years.
The rates for Gold debit are set as follows:
- the cost of one year of service is three thousand rubles;
- increased interest when calculating bonuses in the "Thank you" program;
- high degree of protection;
- interest-free deposit, withdrawal of money through Sberbank ATMs;
- gratuitous Mobile Bank;
- the limit for cashing out is 300,000 per day, 3,000,000 - a month;
- cash withdrawal through third-party terminals - 1% (not less than 150 rubles).
Description of charging for credit cards has its own characteristics:
- additional cards cannot be issued;
- grace period - fifty days;
- service price is three thousand rubles for one year;
- interest rate in the range of 25.9 - 33.9%;
- lending limit - up to 600 thousand;
- participation in the "Thank you" bonus system.
There are two types of tariffication for credit cards: standard and TP-1L. The second type is designed for pre-approved products, "Give Life" plastic. Points have more favorable terms for pre-approved products. The bank employee will explain how much a certain action costs on individual terms and enter the conditions into the contract form.
Sberbank partners with thousands of partner organizations, allowing customers to benefit from special offers. Credit card Gold sets a commission for exceeding the limit at 0.5%, 1% - if a third-party ATM. Aeroflot, like other Gold products, has a grace period of 50 days.
Participation in the "Thank you" program allows you to earn points. You can exchange accumulated bonuses for discounts through partner stores. Aeroflot's accumulation system allows you to accumulate bonus miles and pay for subsequent flights with them. The Gift of Life card will require 3,500 rubles for an annual service.
Depositing, cashing out money
Commission for depositing funds on all types of Sberbank gold cards is not charged. To start using your credit card, you need to activate it. The holder should replenish the card balance in one of the following ways:
- make a deposit of cash through an ATM, terminal;
- deposit money at a Sberbank branch;
- use the Mobile Bank;
- transfer through other banks;
- withdraw finances from an electronic wallet.
To use a credit card, prior activation with cash deposit is not required - the client uses the borrowed funds of the bank. You need to replenish your credit card account before the due date. With the use of Sberbank Online, methods of remote money management have appeared.
You can withdraw funds from the card through any Sberbank ATM or office. When visiting the branch, you must provide a passport. If the withdrawal is made from credit products, then according to the rules, a commission will be written off.
Commission fee
Before ordering a gold card, you need to familiarize yourself with the tariffication. For each product, there are positions that require an additional commission. This means that the user will need to pay:
- annual service of a personalized card in the amount of RUB 3,000;
- depositing money through a third-party ATM or by a third party - 1.25%;
- withdrawal of funds debits 1% from a third-party device;
- if you cash out money from a credit card, then 3% will be removed from the native ATM, 4 - from a third-party.
Features and Benefits of Debit Cards
Making a Gold debit card requires less documentation. It is enough for a potential client to show only a passport. There are many functions available when using it. The pros and cons of debit are set by each user for himself personally.
The advantages of debit products are as follows:
- support for the "Thank you" program with a large accumulation of gift points;
- Sberbank's service works around the clock for gold card holders;
- equally good for use abroad and at home;
- issue of a supplementary card tied to the main one (credit products exclude its registration);
- plastic is made with a high degree of protection;
- urgent issue of money in case of loss of a product abroad.
There are pitfalls in the accumulation of "Thank you" bonuses. The user is required to make purchases worth more than fifteen thousand monthly. Another catch lies in the points themselves, which cannot be exchanged for rubles. The client will be able to spend them only at partner points of sale.
The disadvantages of using a gold card relate to the high cost per year of service. The main advantage of a debit from a credit product is interest-free cash withdrawal.
Closing order
When the Sberbank Gold card holder does not know what steps to take to close the product, the following recommendations should be followed:
- visit a bank branch, write an application;
- reset the balance by withdrawing the balance on the debit or repaying the loan;
- wait for the arrival of SMS about the liquidation of the account;
- give away the plastic.
