Today, having a bank card is not a whim, but a necessity. It can pay for purchases, be a stylish accessory, and also become additional source pride and income. Let's consider Visa cards Gold and MasterCard Gold are premium products of Sberbank.

Rules for issuing Gold series products

It is not so easy to get a gold card - the bank issues plastic cards only to selected and conscientious clients. Cardholders are provided with 24/7 priority service in contact center, the ability to withdraw money from the account if the card is lost (even abroad), as well as make monetary transactions via phone or email.

Sberbank can independently send a request for special conditions if you have successfully used others financial products: “salary” card, credit programs or have a current deposit.

Requirements for the designer

• Passport of a citizen of the Russian Federation
• Age – from 21 to 65 years inclusive
• Availability of a certificate from the place of work indicating the salary
• Copy of work book

You won’t be able to apply for a credit card online; you must go to the bank in person. If you fill out a form on the website, the decision will be preliminary. Bank employees at the nearest branch can approve the application and issue the plastic card. Processing time is from 7 to 21 working days.

Activation takes place at the bank - the employee makes the necessary settings. The card becomes valid after 24 hours.

Tariffs and conditions

Choose the payment system correctly. VISA works flawlessly with dollars, while MasterCard respects euros more. Any plastic works flawlessly both in Russia and abroad.

Credit cards VISA and MasterCard Gold offer the following rates:

• Plastic validity period – 3 years
• Currency – rubles
• Credit limit up to 600 thousand rubles
• Grace period – up to 50 days
• Interest after the grace period – from 24 to 28% per annum
• The cost of service is up to 3,000 rubles per year (free for regular customers)

Unlimited cash withdrawals are not provided - the commission will be 3-4%, and maximum amount will be 300,000 rubles.

How to use?

Customers pay for goods and services with Sberbank credit cards, after which a purchase report is sent by email. You can repay the entire amount or leave the loan with interest for the next month.

The amount of the minimum payment is also set by the bank in the report and depends on the interest rate. You can pay off in several ways:

• Transfer from a Sberbank account or debit card
• Payment via terminal
• Using services: MoneySend or VISA Direct
• At a bank branch through a cash desk

Each client has access to a mobile application and Personal Area on the Sberbank Online website.

To avoid paying interest, you must meet the Grace period, allowing you to use it for free credit funds. It varies from 20 to 50 days and is set by the bank during the plastic processing process. The client must pay the full amount of the debt within the specified period.

Customer loyalty program

The benefit of using the card is to receive bonuses from the bank, a kind of cashback credited to a separate account - the “Thank you from Sberbank” program.

When a client pays for purchases, cafes and restaurants, up to 10% of the amount is charged. Bonuses can be spent at partner companies. 1 point = 1 ruble.

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31.08.2017 0

Sberbank of Russia is one of the largest banks in the country. Today, his clients enjoy a large number of banking services different directions. However, the most popular is the issuance of a plastic card to pay for goods and services of various values. Deserves special attention Gold card Sberbank (Gold Visa, MasterCard) - what is it, what are its positive and negative sides? We propose to understand these nuances in more detail.

Visa Gold from Sberbank - what kind of card is it?

A large number of users are wondering what the Sberbank gold card is, what its characteristics are and how it is beneficial for the owner.

Well, we should start with the fact that it belongs to the “elite” category. Sberbank does not offer a Gold Card to every user, but only to respectable borrowers and active depositors.

A gold card is beneficial for several reasons:

1. It is serviced 24 hours a day at the Sberbank Contact Center.
2. Due to the electronic chip, the money on the card is well protected.
3. If lost, it can be restored from any country in the world.
4. The gold card can participate in the “Thank you” bonus program from Sberbank.
5. It is possible to enable the “Autopayment” function.
6. If necessary and desire to control the flow of finances, you can use the services of the Sberbank Online and Mobile banking».
7. Holders of a Sberbank gold card can participate in programs of privileges and discounts conducted by MasterCard and Visa.
8. There are several ways to replenish your account.
9. With such a card you can pay for services and purchases not only within Russia, but also far abroad.

The logical conclusion suggests itself that this card is suitable for those who travel a lot around European countries. A Sberbank gold card anywhere in the world will allow you to get a discount on hotel accommodation, food in restaurants, air tickets and other services.

Sberbank gold credit card

A bank credit card allows you to use not only your personal funds, but also borrowed funds. At the same time, all privileges that one or another type of product used remains in force.

Sberbank Credit Gold Card (Gold Visa, MasterCard) - what is it?

Today, Sberbank issues four types of gold cards. This:

• MasterCard Gold.
• Visa Gold card.
• Gold visa “Gift of life”.
• Aeroflot Gold visa.

And they are used under the following conditions:

• the maximum loan amount can be 600,000 rubles;
• interest rate does not exceed 33.9%;
• duration of validity is three years;
• the duration of the grace period is 50 days;
• connection to Mobile Banking services is free of charge;
• The price of annual maintenance costs 3,500 rubles.

The main difference between them is that MasterCard and Visa systems are different bonus programs and privileges. For example:

• Sberbank Visa Gold Aeroflot credit card allows you to do bargain purchases and accumulate miles that can be exchanged for air tickets of this company;
• Visa Gold card “Gift of Life” involves the transfer Money to a charitable foundation. As a rule, the contribution is 0.3% of the funds spent by the user.

How to apply for a gold credit card?

In order to get a Sberbank credit card, you must meet the following requirements:

• age should not go beyond 21 - 65 years;
• have a residence permit in the region where you are applying for a loan;
• experience labor activity cannot be less than a year, and at the last place of work - at least six months.

The form must be filled out both at a bank branch and online. However, in any case, you will need to come to Sberbank and provide:

• passport of a citizen of the Russian Federation;
• certificate issued in form 2-NDFL;
• a copy of the work book.

The submitted application will be reviewed within two working days. And the maximum possible credit limit and the interest rate on it is determined by the lender individually.

Get the most a large amount at a loyal interest rate they can only:

• owners salary cards;
• bona fide borrowers,
• active investors.

At the same time, the past credit history, combined with monthly real income.

What does the Visa Gold card provide?

Having a Sberbank gold credit card opens up all standard options in the form of the ability to pay for goods in all stores in Russia, abroad and on the Internet. In case of foreign purchases, conversion into euros and dollars occurs automatically.

You can withdraw money from a Sberbank gold credit card at ATMs of any bank. The commission of the native Sberbank is 3%; ATMs of other banks will charge 4% for cash withdrawals.

The limit for withdrawing cash from a Sberbank gold credit card is 300,000 rubles per day.

The grace period for using a credit card is 50 days. During this time, you can return the entire amount borrowed without paying interest. However, this does not apply to cash withdrawals. It is typical that it is possible to withdraw credit funds from a gold card even if it is lost (in Russia or abroad).

Pros and cons of a gold card

The main advantages of a gold card from Sberbank are as follows:

1. Technology supported contactless payment.
2. A high level of protection is provided.
3. A high limit has been set.
4. Free available Mobile bank.
5. There are bonus programs from worldwide MasterCard systems and Visa.
6. The grace period is 50 days.
7. Issued to clients of different age categories.

Negative features of the Sberbank Gold Card:

• a high loan rate limit has been set;
• annual maintenance is more expensive than other cards;
• interest-free withdrawal There is no cash for transactions.

Sberbank Gold Debit Card

Next question for consideration: Sberbank debit gold card - what is it, what advantages does it have? The card provides good protection for personal savings and a number of other useful advantages, both from the bank itself and from the MasterCard and Visa systems. At the same time, it remains available in design for anyone.

How to get a Visa and MasterCard gold card?

Scroll mandatory conditions consists of two points:

1. You must have permanent or temporary registration of the Russian Federation.
2. Reach 18 years of age.

At the same time, the possibility of issuing the product and foreign citizens. The bank reserves the right to make this decision.

To apply for a debit card, you can personally come to a bank branch or submit an application through online service. Providing income certificates and other proof of solvency is not required. Details are on the bank's page.

On this moment, can be left on Visa and MasterCard Gold cards.

Holders of a Sberbank gold debit card have the right to additionally issue other cards. Moreover, any citizen of the Russian Federation who is 7 years old can become such a user. This service paid. The activation fee is 2,500 rubles, and annual maintenance costs 3,000 rubles. After the expiration date, the card can be restarted without additional payment.

Advantages and disadvantages

There is a reason to start by listing the shortcomings. They consist in the high cost of annual maintenance. In all other respects, only advantages can be seen. This:

• the opportunity to receive discounts and privileges from banking partners;
• Possibility of 24/7 support hotline;
• good protection of savings;
• the ability to use the card not only in Russia, but also abroad;
• the ability to issue an additional card;
• If the card is stolen or lost, funds are issued on an emergency basis.

Who can get gold cards for free?

The Sberbank gold card is considered very attractive for any client, but the cost of service is a deterrent. As a regular customer of the bank, there is every chance to get a Gold card for free and maintain it for free too.

A loan issued by Sberbank under a special offer implies a reduced rate - from 17.9 to 23 annual interest.

This offer can only be received by those Sberbank clients who:

• receive salaries through Sberbank;
• took out loans here before and successfully repaid them;
• previously opened personal deposits.

In order to receive a gold card for free, you must:

• receive a personal offer from a lender;
• personally visit a Sberbank branch;
• provide the appropriate package of documents.

For non-salary clients, the list of papers includes a certificate of income and confirmation from a permanent place of employment.

Co-branded gold cards

The Sberbank series of gold cards has included co-branded plastic in its line. These are two types of cards:

• "Gift a life";
• Aeroflot.

They are issued not only on generally accepted grounds, but also according to a special offer from Sberbank. The “Gift of Life” card allows its owner to provide assistance to a charitable foundation of the same name. For this purpose, the bank transfers 0.3% from each amount spent to the fund’s account. Minimum credit rate- 25.9 annual interest, and the price of annual maintenance varies from 0 to 3,500 rubles.
The card was provided by the Visa system, so it allows holders to appreciate all the benefits of Sberbank Visa Gold services.

The Aeroflot product is suitable for those who often use the services of this airline. You have the opportunity to accumulate miles and exchange them for tickets. The cost of maintenance is 3,500 rubles per year. And the lending rate is 25.9%.

How to order a Visa and MasterCard gold card online from Sberbank - details of receipt

The page of the official website of Sberbank provides complete information on the details and conditions for obtaining a card, as well as a form for online application for a gold card. In addition, you can find additional information about the Sberbank gold card (Gold Visa, MasterCard) - what it is, how to apply for it - in this video.

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 from you is 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 Sberbank’s working hours) to any office suitable for you.

The formation of a “pre-approved proposal” is influenced by the following factors:

• using a Sberbank card to receive a salary or pension;
• Sberbank debit card;
• availability of a deposit in Sberbank;
• Availability of a consumer loan from Sberbank.

Mandatory requirements for obtaining Gold cards the following:

• Availability of Russian citizenship.
• Age from 21 to 65 years.
• Availability of permanent or temporary registration in any city/village in Russia.

How does the grace period work on the Sberbank Gold credit card?

The Gold credit card has a so-called “reporting period,” that is, a period during which you can make purchases without issuing an invoice. The reporting period lasts 30 days and begins 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 each time begin on the 14th of any month and end exactly 30 days later.

This is what a Gold credit card from Sberbank looks like

Upon completion reporting period the so-called begins "repayment period" lasting 20 days. During these days you need to do:

a) or return all the money you spent on your credit card

b) or pay the amount of the obligatory 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 will be charged on the loan, and for late mandatory payments there will be a penalty of 36% per annum.

It’s easy to guess that for the longest interest-free period of using a credit card, you need to start using it on the start day of the reporting period, 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 and conditions

1. A credit card is issued only once and for three years, after which it can be reissued.
2. The card account is generated only in rubles.
3. The card is issued for three years.
4. Servicing the card costs 3,000 rubles per year.
5. The maximum credit limit is up to 600 thousand rubles.
6. On Sberbank Gol credit cards the interest rate is set at 27.9% per annum. (In some cases, clients are charged more profitable terms, where the interest rate starts from 23.9%).
7. For late mandatory payments, a penalty of 36% per annum is charged.
8. From a Gold credit card you can withdraw no more than 100 thousand rubles per day through an ATM and no more than 300 thousand through a cash register. You can add no more than 10 million rubles in cash to your card per day.

If you have time to issue a card from August to December 31, 2017, then the first year of servicing the 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 Gold bank cards

• 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.
• Gold cards also have the “Mobile Bank” function - SMS notifications about completed transactions and the ability to top up the number’s account mobile phone, to which the card is linked, also via SMS.
• With this credit card you can not only make cashless purchases in stores, pay for orders in cafes and restaurants, but also pay for housing and communal services, education, government 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 card to mobile application, allowing 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 your 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 the card in stores and cafes, and it returns interest on your purchase back to you. For regular purchases, you will receive a cashback of 0.5% of the amount spent (it all depends on the specific location and nature of the purchase).

However, in stores and cafes that are among Sberbank’s partners, you can get even more bonuses - up to 50% of the purchase amount.

There are also promotions. For example, if you manage to issue 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.

The Sberbank gold card is an indicator of the bank’s trust in its client. This map allows a person to use certain privileges, which is sometimes very beneficial. A person can use the card everywhere, not only in Russia, but also abroad, which makes it popular for clients who travel frequently.

What it is?

The Sberbank Gold Card is a card that allows you not only to spend money, cash it out, transfer it, save it or invest it, but also use special offers for free. Bank card is produced specifically for each user and looks like regular visa or Mastercard (Gold is not available in other forms).

Sberbank of Russia took care of giving its regular customers a pleasant bonus for using the services of this bank. Advantages of the Visa Gold card and Mastercard Gold allow people not only to carry out financial operations faster and more convenient, but also save money, as well as make donations to charity.

Sberbank of Russia issues gold cards in these forms:

1. Visa Gold (regular, Give Life, Aeroflot);
2. Mastercard Gold.

These payment systems differ in what bonuses and promotions are provided to them, but all tariffs and terms of use remain the same.

How is it different from the usual one?

The capabilities of a regular and gold card differ from each other. Regular and gold cards are either debit or credit. Actually, a debit and a credit card are already different from each other. You can borrow money with a credit card.

The first difference between a gold card and a regular card is that for Gold card users, interest-free loan repayment is possible within 50 days. Also, for users of a Gold credit card, free service is possible, and for a regular card, the standard amount(except pension cards).

Also, Aeroflot cards allow people to accumulate bonuses when paying for plane tickets and subsequently exchanging them for other tickets of this company. Gift of Life cards allow you to transfer amounts to charity.

This happens as follows: Having paid for any purchase with a card, the bank will transfer on your behalf 0.3% of this amount to a charitable foundation with which it cooperates. This gives you a chance to help people without losing anything.

A big advantage of using a gold card is the ability to get help from bank staff at any time of the day and in any city. If your card is lost abroad, this does not mean that you are left without means of subsistence in a foreign country. You can receive money in your hands at any bank upon presentation of an identification document.

With the Gold card, a person is given a larger percentage in the “Thank you from Sberbank” program, which means that he will be able to save more when paying for his purchases with the card.

How to accumulate and use bonuses THANK YOU

But if debit cards can be issued by any resident of Russia, then getting a credit card is a little more difficult, you need a larger list of documents, but you can order a Gold credit card only under special conditions, which will be discussed below, which makes it more difficult for citizens of the country to access.

The only privilege of a regular credit card from a gold one, this is the absence of interest for withdrawing cash from an ATM or bank branch. Therefore, the second option is more suitable for those who make all purchases via the Internet, and the first - for those who always pay in cash.

Profitable to use

How to get a gold card?

Depending on what you want to process, there will be different requirements and a package of documents that must be provided to the bank. Let's look at ways to get different types cards and requirements for registration.

Debit

To apply for a gold debit card, you must:

• have Russian citizenship;
• be over 18 years of age;
• have permanent registration.

If these requirements are met, then you can come to a Sberbank branch convenient for you with your passport and fill out the form. You can do this on the official website of Sberbank Online. But if you want to apply for the MasterCard payment system, then you will have to come to the bank, since in electronic format Only Visa payment system is issued.

How much does it cost to open a card? 2500 rubles, and annual maintenance will cost 3000 rub. After the three-year period, the card is replaced with a new one completely free of charge.

Credit

To apply for a Gold credit card you must:

• be between 21 and 65 years of age;
• have Russian citizenship and registration;
• have at least one year of work experience (you must have worked at your last job for more than 6 months).

You can submit an application on the official website or directly at a bank branch, but you will still have to come there. When receiving the card you must present:

• passport;
• a photocopy of the work book;
• certificate in form 2-NDFL.

After a two-day review period, the bank will issue a decision on the possibility of registration.

A person’s credit history plays a very important role; if he previously paid loans late, took them out and did not return them for a long time, or did not return them at all, then the application will be denied.

But if he uses a Sberbank debit card, he has consumer loan and deposits in the bank, then the chance of consent is greater. It also increases for salary clients who receive a salary or pension from Sberbank.

Video:

Terms of Use

For owners of a gold credit card there are many advantages in using it:

• Although the card is not unlimited, the maximum amount of money borrowed on credit is 600 thousand rubles;
• the daily cash withdrawal limit reaches 300 thousand rubles;
• When taking out a loan, there is a grace period of 50 days, during which no interest is charged;
• The Mobile Bank service is provided free of charge;
• loan interest rate up to 33.9%;
• annual maintenance cost 3 thousand rubles;
• more bonuses under the “Thank you from Sberbank” program.

When using a gold debit card, the following conditions apply:

• 24-hour customer service at the bank’s contact center;
• the ability to withdraw money abroad if the card is lost;
• receiving bonuses from the “Thank you from Sberbank” program;
• linking cards to electronic wallets.

Cons and pros

The table below will allow you to evaluate the advantages of gold cards over regular ones, but will also point out a few disadvantages, which are sometimes not so important.

	pros	Minuses
Debit card	the opportunity to receive discounts at partner stores;	annual card maintenance costs RUB 3,000;
	release additional cards;	Annual maintenance of each additional card costs RUB 2,500.
	money is accepted without commission;
	You don’t need to pay a commission to withdraw cash;
	high degree of protection;
	monthly withdrawal limit RUB 3,000,000;
	daily withdrawal limit is RUB 300,00.
Credit card	high degree of protection;	when withdrawing cash, Sberbank charges a 3% commission, other banks – 4%;
	allowed to use funds in all countries of the world;	When withdrawing cash on credit, interest is accrued immediately;
	urgent issuance of money if the card is lost;	annual maintenance – 3,000 rubles;
	you can pay for purchases in any currency;	there is no chance to issue an additional card;
	interest-free loan repayment within 50 days;	the annual percentage is 27.9%.
	more bonuses and promotions;
	24/7 communication with the bank;
	you can pay for purchases contactlessly;
	free mobile banking;
	you can get a card with free service (for regular customers);
	a special offer allows you to reduce the loan interest to 17.9% and 23% per annum;
	cash and non-cash card replenishment;
	accepting funds without commission;
	Auto payments are allowed.

It is immediately clear that gold cards have much more advantages than disadvantages. The price for service may seem high to some, but in reality it is worth it.

"Gift a life"

This card allows a person to do good deeds without personal harm. Every time money is spent on a purchase, 0.3% of that amount is donated to charity. The card can be free, or the bank will charge 3,500 rubles for service; the bank reserves the right to choose. The card is issued only from payment system Visa.

gift a life

Aeroflot

The Aeroflot Gold visa allows a person to accumulate miles when using the card, and then exchange them for air tickets. The service fee is 3,500 rubles, there is no free card.

Aeroflot

Is it worth taking a gold card?

Sometimes bank clients don’t understand why people buy a credit or debit gold card when they can use a regular one and not pay commissions and service fees. But gold cards provide more savings than you might think. For people who make purchases on the Internet and often deal with money that is temporarily unavailable, it is convenient to use a gold credit card with benefits.

Many bonuses and promotions allow you to return part of the money from purchases, which significantly reduces consumer expenses.

Yes, for those who only receive their salary on a card and no longer use it, it is not profitable to purchase such a tariff, but in other cases it is very appropriate.

Among this list is the Sberbank Visa Gold card, the main characteristics of which are discussed below.

Advantages of the Sberbank Visa Gold card

Like other Sberbank plastic products, the Visa Gold card has its own advantages and disadvantages. Since the Sberbank Gold Card is not an entry-level plastic card, the cost of servicing it is much higher, amounting to 3 thousand rubles. in year. The main advantage of the card is considered to be an increase in the program, which can be obtained by non-cash payment V . Also, holders of this card are provided with discounts 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:

• applicable currency: euros, rubles or dollars;
• issue of additional cards, including cards for children over 7 years old;
• access to promotions and discounts even in other countries;
• equivalent service and cash withdrawals in the Russian Federation and abroad;
• reliable protection using an electronic chip;
• use as a salary card.

Since Visa Gold Sberbank belongs to premium cards, then for , regardless of what is selected, no subscription fee is charged. The service will be useful to those clients who also carefully monitor Money transfers carried out on the map.

Limitations of the Sberbank Visa Gold card

Sberbank Visa Gold card, like the rest plastic cards, has some restrictions, for example, a limit on cash expenditure. For Visa Gold Sberbank the following are established: for a monthly period - 3 million rubles, and for a day - 300 thousand rubles. If exceeded daily limit At the time of transactions, the bank charges a commission. Its size is: in Sberbank devices and cash desks - 0.5% of the amount; 1% - at ATMs and terminals of other banks.

The card is valid for 3 years. At the end of this period, you can close the account, order or extend the existing contract. Replace valid card It is possible before the expiration date, without paying a commission.

Visa Gold card replenishment options: