The number of Sberbank clients is growing exponentially. Largest bank With state participation is associated with security, which is why every second Russian has its debit or credit card. All bank plastic can be divided into 4 types: debit, credit, salary and gift. The Sberbank card is valid for 3 years. The exception is instant issuance plastic, which is valid for 1 year. Let's consider each type separately.

These are cards on which clients' own money is stored. It is impossible to go negative on them, with the exception of cards with an overdraft. Sberbank issues plastic cards from the international VISA and MasterCard systems, and in 2016 began issuing cards from the national payment system Mir.

This plastic can be divided into additional types:

1. Youth cards. Designed for target audience clients under 35 years of age. The only difference between this group of plastic is the low annual maintenance - only 150 rubles. They have a chip so they can be used to make purchases in online stores.
2. Map Visa Electron. This payment instrument Most often provided to participants in salary projects. The cost of plastic is only 300 rubles per year, but commission-free cash withdrawal operations are carried out only within the region. In other regions of the Russian Federation, a commission of 0.75% of the withdrawal amount is charged for cashing out funds.
3. Maestro social. It can only be issued to citizens who are recipients of pensions, social scholarships and other government payments. It is absolutely free. When withdrawing cash from an ATM outside the region, a fee is charged.
4. Classic cards. This type is represented by payment instruments VISA and MasterCard. Distinctive Features are: the possibility of withdrawing funds without commission anywhere in Russia, currency exchange outside the country by favorable exchange rate, increased daily limit for cash withdrawal - 150 thousand rubles per day. Due to the expanded functionality, such card products are more expensive: 850-900 rubles for the first year of use, 400-450 rubles for subsequent years.
5. Privileged cards. This plastic is endowed with privileged capabilities. Their holders can receive bonuses and discounts from Sberbank partners both in Russia and abroad.
6. Instant cards. They are absolutely free. Issued for a period of 1 year. Their advantage is the possibility of receipt on the day of application.

Credit cards

The characteristics of this type of card are no different from debit cards. The only difference is the purpose and source of funds. Credit cards are intended for cashless payment goods and services. They contain borrowed capital provided by the bank.

Card products for salary projects

This plastic is provided to persons working in organizations that have entered into salary project with the bank. As a rule, Visa Electron or classic VISA and MasterCard are used for these purposes. The employer chooses the type of plastic.

Holders salary cards Sberbank provides a number of lending privileges. As a rule, the rate for them is consumer loans, car loans or mortgages are 1-1.5% lower. Borrowed funds are provided to a card account, which is convenient and practical.

Gift plastic

This type of card was released for the 2014 Olympics. Their main difference is the presence of 15 thousand rubles in the account. A passport is not required to purchase plastic. It is enough to buy it for cash and give it to your loved ones or friends.

So, Sberbank issues several types of bank cards. Each client can choose a payment instrument depending on its purpose of use, functionality and cost.

Many people apply for Sberbank debit cards to receive salaries, pensions, scholarships, social benefits and just for convenient storage and use of funds.

Types of debit cards from Sberbank

Debit cards Sberbank has a large variety, and individuals will not have a problem choosing plastic, since the bank has made sure that they meet the needs of each person. When choosing a debit card, you should pay attention to the capabilities of the plastic card and the terms of provision.

Tariffs are varied, and cards will differ in the following parameters:

1. Validity period.
2. Payment systems (Visa and MasterCard, MIR).
3. Price per issue and cost of maintenance.
4. Availability of preferential conditions.
5. Ruble, dollar, or other currency cards.
6. Named or unnamed.

Bank debit cards are designed for storing and using a person’s personal funds, cash bank cannot be used (only if a person wishes to connect paid service overdraft).

So that a person can decide which debit card to choose, below is an overview of all cards from Sberbank with their pros and cons, conditions of use and receipt. By comparing the data, you can understand which Sberbank card is more profitable, and you can order several types if desired.

Youth card

There are two payment systems available for the production of this plastic (Visa and MasterCard), which make it convenient to use. To open plastic, a person must be over 14 years old, and the maximum age limit allows you to purchase plastic up to 25 years.

Youth cards are practically free, since the bank does not charge a commission for issuing them, but you will have to pay for maintenance annually.

Why this card is needed is a question that is often asked, since even children receive it. But children also need money, and if the child lives far from his parents, they can send him money to his card, which allows him to protect his funds from attacks by third parties.

Also, at the age of 15, many already receive a scholarship and plastic is simply necessary. In addition, using this Sberbank card, you can save money when paying in stores and this will create extra savings for a person.

Youth plastic card is provided under the following conditions:

• Annual maintenance is not expensive - 150 rubles.
• The debit card allows you to receive up to 10% THANK YOU bonuses at partner stores.
• When paying for other purchases, 0.5% bonuses will be awarded on the amount spent.
• Bonuses can be exchanged for money and paid with, the rate is 1:1.
• A bank card can be ordered from individual design, such a personal card will allow you to stand out from the crowd, and young people love it.

The card itself is ordinary, but you won’t find a better one for a teenager, since Sberbank allows you to use the card on favorable terms using a bonus program to save money.

Classic debit cards from Sberbank

1. Visa;
2. Mastercard;

People most often have a classic card for salary, as it does not require much effort from a person to obtain and use, but provides a lot of advantages.

Let's compare the main differences between these three classic cards from Sberbank:

	WORLD	Mastercard	Visa
Fee for the first year of service, rub.	750	750	750
Fee for the second year of service and subsequent years, rub.	450	450	450
Validity period	5 years	3 years	3 years
Daily maximum for withdrawals, rub.	300 thousand	300 thousand	300 thousand
Daily limit on transfers, rub.	500000	500000	500000
Currency	Rublevaya	You can get a dollar, euro and ruble card
Issue of additional cards	Absent	Yes	Yes
Availability and delivery costs	300 rubles	No delivery	No delivery
Piggy bank service	Yes	No	No

You can open a classic Sberbank card from the age of 14, an additional one is issued at least from the age of 7. Classic cards are always personalized, and therefore they take several days to produce, so you won’t be able to get a debit card quickly, but its advantages are worth it.

This simplest Sberbank card will make a person’s life easier, because with it you can:

• Pay in stores without cash.
• Transfer money to other people and to your other accounts.
• Open a debit account in any currency to use abroad.
• Withdraw money from any country and any ATM (but in third party banks with commission).
• Top up your mobile phone and pay for housing and communal services, fines, etc.

A classic debit card from Sberbank can be created with an individual design, which will make it very creative.

Momentum from Sberbank

It takes at most half an hour to issue a debit instant card, which is why it got its name. These plastic cards unnamed, but with free service, which is a big plus, as is free issuance.

A bank card is made quickly, but for this it has limited capabilities and small privileges:

• The card is not international; it can only be used within the Russian Federation.
• The plastic card works for three years, after which the user will receive another card of his choice free of charge.
• Participation in the “Thank you from Sberbank” program, which means savings on purchases.
• The opening can be carried out in three currencies - euros, dollars, rubles.
• You can use a plastic card to pay for purchases via the Internet, pay for mobile phones, utility bills, and pay at store checkouts.

Urgent issue within 30 minutes and free service are the main advantages for which this card is offered at Sberbank, because all other debit cards are provided with paid annual service, and the production time can be up to two weeks.

Gold cards from Sberbank

People who have a personalized plastic debit card of this class can enjoy certain privileges:

• Receive bonuses in the amount of 5% of spending when paying bills in cafes and restaurants.
• Crediting 1% bonuses from purchases in supermarkets.
• 0.5% is charged on all other purchases.
• If a person spends 15,000 rubles on a card in a month, then next month he can count on an increase in the number of bonuses.
• The price for annual maintenance is only 3,000 rubles.
• The maximum withdrawal amount is 300 thousand per day.
• You can transfer up to 500 thousand per day.
• Gold cards can be used in all countries.
• The validity period of a Visa and MasterCard is 3 years, and the MIR card is 5 years.
• Cardholders can count on round-the-clock support from consultants from the Sberbank call center.

You shouldn’t count on a debit card that is free in every sense of gold, but the bank can issue it without collecting a commission. Otherwise, the modest service fee is more than compensated by all the benefits of the card.

Aeroflot card

At Sberbank you can get a free Aeroflot debit card of three types (Classic, Gold, Premium), which allows you to receive bonuses when paying for plane tickets, obtaining insurance and other services related to flights.

The table shows the main parameters for the provision and use of these debit cards.

	Classical	Golden	Premium
Payment system	Visa	Visa	Visa
Validity period	3 years
Currencies to open	Rubles, dollars, euros.
How much does the service cost in the first year, rub.	900	3500	12000
How much does maintenance cost in subsequent years, rub.	600	3500	12000
Daily limit for cash withdrawal, rub.	300000	600000	1 million
Limit on money transfer, rub.	500000

Sberbank credits miles to a person’s account for spending, which can then be exchanged for plane tickets or other things. On a classic card you get 1 mile for 60 rubles, on a gold card 1.5 miles, and on a premium card 2 miles.

Pension cards from Sberbank

Sberbank has developed two social cards WORLD and Active age (Mastercard).

The general conditions for their use are as follows:

• The cost of service for the year is 0 rubles.
• Issued with interest on the balance in the amount of 3.5%.
• Participation in the “Thank you from Sberbank” program is permitted under standard conditions.
• The currency for opening a debit card is rubles.
• The SMS card notification service is provided voluntarily upon payment of 30 rubles/month.

Debit pension card WORLD is available to people from 18 years old, but the Active age for women and men is from 54 and 59 years old, respectively. With the Mastercard card, it is possible to issue an additional card from the age of seven.

For pensioners, these programs are very convenient, as they help not only to spend less, but also to receive a small percentage on the balance, which is also a plus.

Card from Sberbank “Give Life”

This debit card looks extremely unusual, as it is made according to a design taken from the drawings of sick children. And it got its name exactly because it allows you to save someone’s life.

The card works like this:

• For each spend at the client's expense, 0.3% of the purchase amount is transferred to a charitable foundation.
• The bank also transfers 0.3% of the monthly amount spending on the card.
• 50% of the service fee goes to a charitable foundation.

These small donations can save someone's life as they add up to a significant amount.

For a person who has a “Gift of Life” card, Sberbank also allows you to participate in the bonus program on more favorable terms - 5% for spending in cafes and restaurants, 1% for purchases in a supermarket, 0.5% for everything else.

Sberbank issues three types of cards, differing in terms of issue and service:

All types of “Gift of Life” cards are valid for three years, and after that you can issue a new debit card for free.

Types and cost of service

You can get a debit card from Sberbank for free, but you almost always have to pay for the service, and this price is one of the important criteria by which a person chooses a card for himself.

To make it easier to compare these parameters, a special table is presented below:

Card name	Cost of service in rubles
	First year	Second year and beyond
Youth (Visa and MasterCard)	150	150
Classic (Visa, MasterCard, MIR)	750	450
Momentum	For free	For free
Gold (Visa, MasterCard, MIR)	3000	3000
Aeroflot Classic	900	600
Aeroflot Golden	3500	3500
Aeroflot Premium	12000	12000
Pension (WORLD and Active age)	For free	For free
“Give Life” Classic	1000	450
“Give Life” Golden	4000	3000
“Give Life” Platinum	15000	10000

The cost of service is always higher, the higher the more privileges Sberbank provides it to the user, but you always have to pay for the services. But if a person does not need all the functions of the card, then you can always choose the cheapest card with a minimum package of services and use it for your own pleasure.

How to get a debit card?

To receive any debit card from Sberbank, you need to go to a bank branch with your passport and leave a request. You can apply online on the bank’s website to save your time. After the card is ready, a Sberbank employee will call the contact number and tell you at which branch you can pick it up.

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Receipt times

All personalized cards are produced in approximately 1-2 weeks, but an instant debit card can be received within half an hour after submitting the application. If a person wants to get a debit card with an individual design, he will have to wait about a month, since this takes a lot of time.

For most modern people, plastic cards have replaced traditional wallets. There are several types of cards, each of which has its own characteristics and provides different opportunities to the holder. For example, a Sberbank debit card may differ payment system, service tariff and additional options.

What is a debit card

Most Russians already own plastic, which allows them to store their own money, pay for purchases in stores and send transfers. Such cards are called debit cards. The owner of the plastic can only dispose of the amount that does not exceed the balance own funds client. What does a debit card mean - no credit line.

However, the holder may go into the red for technical reasons:

• writing off money for maintenance or connected services;
• conversion;
• withdrawal of funds from ATMs of a third-party bank.

How to get a Sberbank debit card? You need to come with your passport to a branch of a financial institution, select suitable option and fill out the appropriate application. Currently, all citizens of the Russian Federation over the age of 18, and sometimes 14, can receive a personal card. Plastic can be used to obtain wages, scholarships, benefits or pensions. Most shops, spa salons, restaurants, gas stations support payment through the terminal.

Sberbank cards - types

This financial institution is the largest in the Russian Federation and offers the largest selection of cards to its customers. At Sberbank you can order multicurrency, overdraft, youth, social and other types. Clients of Sberbank of Russia PJSC believe that the best debit cards can only be purchased at the branches of this financial institution. For individuals there is a huge selection of products and a variety of services.

When thinking about which debit card to choose, it is worth considering the purpose of ordering the product, financial situation client, opportunities, lifestyle and other factors. The choice of cards is large, but they are all produced on the basis of one of two international payment systems. Maestro is a plastic product that is valid only on the territory of the Russian Federation. “Visa” and “Master Card” differ only in the bonus program, territorial distribution and commission for conversion into American or European currency.

Youth

This financial institution is currently the only one where you can get personalized plastic from the age of 14. The Sberbank youth debit card is designed for Russians aged 14 to 25 years. It is distinguished from the classic one by its low maintenance cost - only 150 rubles per year. There are no fees for withdrawing cash from an ATM. Except favorable conditions, it is worth noting that the product is designed taking into account the needs of young people, therefore it is suitable for receiving scholarships, salaries, transfers, paying for purchases in stores and on the Internet.

Visa Classic

The issue of this plastic card provides advantages to the owner - the Sbercard can be used under the same conditions both in Russia and abroad. There is a daily limit for cash withdrawals from the account – 150 thousand rubles. The operation is performed free of charge. The Sberbank Visa Classic card can be salary, corporate or personal. When withdrawing funds from third-party ATMs, interest + commission is provided. The cost of annual maintenance is 750 rubles. The client can connect Sberbank online, receive bonuses, and receive gifts from the payment system.

Advantages of the Visa Classic debit card:

1. Helps you save money while traveling, at home, at work. You can receive a salary, stipend, or place other personal funds into the account.
2. You can pay with plastic for purchases with dollar, ruble and any other prices around the world (the bank automatically converts the funds, which helps the holder save significantly).
3. The card account is multi-currency, so you can withdraw money in all countries in any currency.
4. It is possible to issue additional debit bank cards.
5. The bank offers some clients to open an overdraft (a profitable line of credit, thanks to which the plastic holder can go into the red by a certain amount).

Instant

As a rule, registration of savings bank cards takes time. How long you have to wait depends on the product being manufactured. If you need plastic urgently, you can get a Momentum card, which is issued on the day of application. Instant card Sberbank is not registered. You can receive Maestro Momentum immediately after concluding a banking service agreement.

Plastic differs from others in that it is valid only on the territory of the Russian Federation. Clients will not be able to use their money abroad. However, a debit card is issued absolutely free of charge and the bank does not charge a fee for annual servicing. Plastic is suitable for paying for purchases online, in stores, sending transfers and many other operations.

Personalized

In the presented financial institution, Russians have access to various types of cards. Depending on the purpose of the product, tariff, time of issue, the card can be personalized or unnamed. In the first case, the owner’s name and surname are printed on the plastic, but in the second there is no information about the holder on the card. Name card Sberbank is distinguished by a high degree of electronic protection of client funds and increased limits on account transactions. In addition, plastic with the owner’s data is issued in 10-14 working days (unnamed is issued instantly).

How to apply for a Sberbank debit card - you need to submit an application in person at a branch or online. Such plastic can be a Visa or MasterCard payment system of your choice. To all clients after activation and connection mobile banking Account management is available through the Sberbank Online service. The cost of service depends on the type of card and the service package connected to the client.

Mastercard

Some clients of Sberbank of Russia PJSC do not understand the difference between MasterCard and Visa cards. They differ only in payment systems and promotions in which the owner of the plastic can take part. In addition, debit Mastercard can only be processed through a bank branch (online applications are accepted exclusively for a Visa). The advantage of the product is that there are no conversion fees when foreign exchange transactions.

Golden

Opens up great opportunities for the owner Gold card. Credit cards are provided only to those who have managed to earn a good reputation, and a debit card can be used as a salary or personal card. An account can be opened in foreign currency or ruble, at the client’s request. The plastic is equipped with an electronic chip and system contactless payment. The Sberbank gold card is suitable for payments and cash withdrawals in all countries of the world. All holders receive support in contact center around the clock. Re-issuance of a debit card in case of loss is free of charge.

Gift

Another option for debit cards from this financial institution is a prepaid card. Plastic is produced on the basis of the international payment system Visa. A significant drawback of the product is the inability to withdraw money from an account or top up a card. In addition, it is worth noting that the card cannot be used to pay for goods in foreign online stores and when traveling outside the Russian Federation. Available gift card from Sberbank with a denomination of 1-15 thousand rubles. The plastic card is valid for no more than 12 months from the date of issue.

How to get a Sberbank card

Order online

Modern people cannot do without the Internet, so many services and options are available to Russians online. For example, how to apply for a Sberbank card via the Internet:

1. Go to the official website of the institution.
2. Choose the appropriate option among the proposed products.
3. Fill out the electronic application form.
4. Wait for SMS messages about the readiness of the debit card.
5. Receive at the department.

How long does it take to make a Sberbank card?

It is important for everyone who ordered a debit card to know when the plastic will be released. The production time for a Sberbank card depends on the type of product ordered. For example, Maestro Momentum is issued to the owner on the day of application, and classic personalized cards are produced in 1-2 weeks. You will have to wait the longest for plastic with an individual design - 2-4 weeks.

Activation

After receiving a debit card, the client cannot use it immediately; he must first activate the card. The Sberbank card is automatically activated the next day after it is issued to its owner. To use the tool on the day you receive it, you need to activate it at the ATM. To do this, enter your PIN code and request your balance.

How much does it cost to service a Sberbank card?

Another issue that worries all debit card owners is the annual account maintenance fee. The tariff depends on the selected product. Cost of servicing Sberbank cards:

• Momentum, Maestro social – free;
• Maestro, Visa Electron – 300 rubles;
• Youth – 150 rubles;
• Visa Classic/MasterCard Standard – 750, then 450 rubles;
• “Give Life” – 1000, then 450 rubles;
• Aeroflot – 900, then 600 rubles;
• MasterCard/ Visa Gold– 3000 rubles.

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In 2018, Sberbank offers about a dozen main types of cards, and each of them can be used and designed differently. The functionality of the card and its status also differ. It is necessary to correctly navigate what kind of Sberbank cards there are in order to select exactly those card services that are needed.

The most common type of debit card is a salary card. It is used to transfer salaries directly from the employer. There are several types of them.

Here are the main functions:

• payment for purchases at self-service terminals and ATMs;
• payment for purchases in online stores;
• transfer and receipt of funds from other Sberbank cards;
• accumulation and storage of bonuses that are converted into rubles;
• connection to mobile banking, Sberbank Online.

Almost everyone who has a loan from Sberbank applies for a credit card. A credit card account contains borrowed funds, and its main purpose is to provide an opportunity to manage them. Sberbank uses latest technologies protection for such cards.

Many functions of credit and debit cards overlap. To make the most of your card for personal purposes, Sberbank offers several types of credit and debit cards.

Classic plastic cards

Without exception, all bank cards work in the international SWIFT system. Moreover, both the most common and the newest ones, for example, the “World” card and. Using this system makes the card truly international. The overall dimensions of the card, the chip architecture and the encryption algorithm are all determined by Visa Classic and MasterCardStandard. This is where this inscription on the cards, seemingly from a completely different company, comes from.

The international status of the card is especially relevant when making purchases for a different currency, but not all Sberbank cards have this opportunity. The SWIFT system sets a certain standard framework within which one or another bank in the world can produce its cards. Moreover, it can only cut down functions and not add new ones, which would require changing the functionality and equipment (ATMs, terminals) of the entire international system.

Maximum card conditions from SWIFT (MasterCard):

• work with almost all currencies of the world;
• validity period - 3 years;
• registration is paid (about $10 in various countries of the world);
• acceptance of different currencies with one card;
• payment for purchases in various currencies;
• connecting card accounts to Internet services;
• managing a card account without using it (for example, by banking agreement on paper);
• multiple backups of card data (guarantees quick recovery in case of loss, blocking in case of theft);
• accrual of bonuses for various programs, which are determined by the card manufacturer;
• encryption of all bank cards in the world using standard algorithms;
• multi-layer encryption;
• 3D Secure system for online payments;
• work with any other banks (for example, foreign banks), connected to common system MasterCard.

Let us remind you once again that multi-currency cards are not all. This is the maximum list of features provided international system SWIFT and available equipment (ATMs in many countries around the world). Sberbank reduces it in various ways for a particular card. At first glance, this seems to interfere with users. However, this is not true. Almost no one needs such a complete package of functions. So, on almost any card, the multicurrency list is replaced by two or three currencies: the dollar, the euro and the currency of the Central Bank of the country that produced the card.

This is a general introduction to the functions of the international payment system MasterCard. Now you can take a closer look at what Sberbank cards there are and what functions they provide.

Features of credit cards:

Types of payment cards

Payment cards are one of the most common. The cards in the series are the most successful among them. In large payments, electronic payment protects against theft. In small ones, it’s simply more convenient, since you don’t have to stand in line to pay for utilities, loans, etc.

There is a huge variety of designs. It can be selected individually, but with restrictions.

Not all cards are issued for a fee; Sberbank provides some automatically. So, what kind of Sberbank cards are there?

1. Instant card. They are issued immediately and do not require any payment for receipt. Their range of services is minimal. The design is standard. An example of a popular instant card - Maestro Momentum (more detailed review will result on the site pages). The minimum set of services is sufficient for the majority of the population.
2. Entry level cards. They have the Visa and MasterCard logo. Can work with multiple currencies (not all options). They have significantly more opportunities than instant cards. Their registration and service is paid (there are paid unserviced cards). The cost of service is about 300 rubles per year or 900 rubles for the entire validity period of the card.
3. . Given by Sberbank for VIP clients. They have an improved system for adding bonuses and accumulating points. For them there is a personal setting of functions. The list of supported currencies has been significantly expanded. Gold cards are often used by tourists around the world and multicurrency is very important for them. It is worth noting that their level of security and protection from cybercriminals and hackers is the highest.
4. Premium cards with insurance. They have the function of insuring the life of the cardholder and his property. Complex contracts with connected life insurance for the cardholder's relatives can be used. Withdrawal of insurance premiums is automatic.
5. Special cards. They include the withdrawal of a percentage of transactions, which is transferred to special funds. These are “Give Life” and “Aeroflot” cards. A percentage of the transactions is transferred to the medical fund, as well as to the Aeroflot company, which gives significant discounts when purchasing air tickets.
6. Fully virtual card for electronic financial transactions . Does not have a plastic equivalent with a chip.
7. Platinum cards without transaction limits. Have all the functions of gold cards. Used by many legal or individuals, firms, companies of any level.

A large percentage of Sberbank clients are pensioners. Taking this into account, special cards have been developed with preferential terms. The most popular of them is the “Social” card, with free service. Available bonus programs, for example, adding 3.5% per annum to the card balance.

Types of credit cards

Another popular card is “Youth”. For security purposes, cards have the following restrictions: maximum amount operations:

• with free service - 600 thousand rubles;
• - 600 thousand rubles;
• for youth, the limit is regulated within the range of 15-200 thousand rubles;
• Aeroflot – 600 thousand rubles;
• The platinum card has no restrictions.

For an interest-free loan, a limit of 120 thousand rubles with a 50 period is established (the period without interest is considered, after which the usual credit conditions follow).

Documents for obtaining a card (if you do not have an account with Sberbank):

• passport;
• employment contract (work book);
• personal income tax certificate-2;
• a certificate explaining the type of employment;
• a phone with a SIM card linked to the card recipient’s passport.

For pensioners, the set of documents is supplemented with an appropriate certificate. It is easier to get a debit card than a credit card. The assessment of solvency is not carried out as carefully as when receiving a loan, but is still necessary due to the connected function of an interest-free loan (120 thousand rubles). The card is issued within two working days banking days from the moment of submission of documents. Instant card often does not require special registration and is issued as a bonus, for example, when opening a savings account.

In case it is issued credit card together with the loan, you will have to prepare an extended package of documents to confirm ownership of the collateral property.

Security measures when using the card

When using a bank card, you must not forget about basic security rules. Currently, bank card and phone (SIM card) cloning, interception, and collection of compromising information are used. Mobile bank and Sberbank Online are also vulnerable.

Some safety rules:

• do not use other people’s computers and phones even for small payments from an electronic bank;
• use only ATMs installed on the premises of large organizations;
• do not give away the phone you are linked to bank card, to third parties. Due to the increase in cybercrime, Sberbank began to offer its clients the opportunity to insure funds. It is recommended to use this feature.

An insurance policy can be issued online, or better yet, at a bank branch.

Knowing what types of Sberbank cards there are, you can swipe and easily choose the best option.

A bank card gives access to personal account. Thanks to it, you can carry out a number of operations: money transfer, payment utilities, account replenishment and others. Often, a bank client cannot choose the one he needs, since each banking structure has an impressive list of cards to issue. In the material below you can find out how Sberbank cards differ, what types there are and what the cost of servicing them is.

Types of Sberbank cards

You need to choose a card based on your needs. The largest banking institution in Russia, Sberbank issues the following main types of cards: debit and credit. And the total amount of their subtypes is 40 different cards for all occasions. Let's start getting acquainted with Sberbank debit products.

So, Using debit cards, the client can:

• Pay at retail outlets;
• Keep funds in a personal account;
• Make payments online;
• Receive and use bonuses.

Types of Sberbank Debit Cards:

• 1. Classic - with The most common type of debit plastic. With this card you can pay without cash, transfer funds using an online system or via SMS, control your savings, withdraw them at a convenient time and make regular payments. By the way, instructions for transferring money from a card to a Sberbank card
• 2. Premium p provides insurance for the product itself and allows you to take out other types of insurance when traveling abroad. Service if you have more than 2.5 million rubles is free.
• 3. Gold. The client uses discounts all over the world. Advantages of gold plastic: personalized service and improved level of protection. The cost of using the card is 5 thousand rubles per year.
• 4. Platinum. Issued without a limit on transactions. The annual cost for services is 10 thousand rubles;
• 5. Youth. A plastic payment card is issued to people aged 14 to 21 years. It has its own unique design and relatively low maintenance cost;
• 6. Social intended for pensioners. Features free service and accrual of 3.5% per annum;
• 7. Debit card Instant payout issued within a few minutes. Has a minimum set of services. You can use it to pay, top up your account and transfer funds. Maintenance cost - 0%;
• 8. For a child. This card will be an additional card to the parent card. Issued for children under 7 years of age;
• 9. Virtual. Designed for operations in the Internet system;
• 10. Customized design.
• 11. Gift. Good as a gift, since there is a payment function for all services;
• 12. Salary. To receive a salary, you can choose an entry-level salary package: “Sberbank-Maestro” and “Visa Electron”. You can set up a system for receiving salaries in the organization’s accounting department.
• 13. “Give life.” Its purpose: transfer of part of the funds for the treatment of serious illnesses of children;
• 14. Aeroflot. The client accumulates bonuses to receive discounts on air tickets.

Sberbank credit cards differ in the amount of the limit and additional features. Types:

• 1. Classic. The service is free if the loan limit is 600 thousand rubles. If the limit is greater, the fee for using the card is 750 rubles;
• 2. Youth. The cost of use is 750 rubles. The limit is: 15-200 thousand rubles;
• 3. Gold. Free use with a limit of 600 thousand rubles. If the limit is greater than this amount, the service is 3 thousand per year;
• 4. Instant payment. Issued within 15 minutes. The service is free. Limit level: 120 thousand rubles.
• 5. “Give life.” Limit: up to 600 thousand. Service is free;
• 6. Aeroflot - up to 600 thousand. Annual payment: from 900 rubles.

Having familiarized yourself with the above card options, you can easily choose the best plastic option. You should also know what the limit for cash withdrawals through a Sberbank ATM is set per day.

Which payment system to choose?

When choosing a card, it is important to pay attention to the three main international payment systems: Visa, Mastercard. Let's look at the features of each system.

Payment Visa system from Sberbank:

• Widely used in the USA, Australia and Canada;
• Commission 0.65% depending on the transaction amount;
• It is better to consider it for working with the transfer and accrual of money in rubles and dollars.

Mastercard payment system from Sberbank

• More in demand in Europe and Africa;
• Commission for currency conversion service - 0%;
• Used for financial transactions in rubles and euros.

It is worth noting that almost a quarter of bank cards use the Mastercard payment system.

Maestro card from Sberbank

This payment service from the MasterCard system. Maestro plastic is not international, since it is produced only in national banks. Issued and serviced free of charge. The range of opportunities and services is limited. It can be considered for:

• Cash withdrawals from ATMs and cash dispensers;
• Payment for purchases at retail outlets;
• Operations that are carried out subject to mandatory electronic authorization and code entry.

It is worth noting that the analogue of Maestro from Visa is Visa card Electron.

An important point: when applying for a card with any payment system, you must have your original passport with you.

Cost of servicing Sberbank cards

Cost of servicing debit cards:

• Classic - 750 rubles;
• The security for a gold card is 3,000 rubles. per year;
• The annual cost of platinum is 10,000 rubles;
• The premium costs 2,500 rubles, provided that the plastic balance is 2.5 million. If the total invoice amount is greater, the security is free;
• For a Sberbank youth card you need to pay 150 rubles;
• Social security is free;
• The price for servicing instant plastic Momentum is zero;
• The cost of securing a Sberbank child card depends on the type of plastic card of the parent;
• Servicing plastic with an individual design costs 750 rubles;
• Payment for virtual plastic service - 60 rubles. per year.

Amount for servicing credit cards from Sberbank:

• Maintenance of standard plastic can be either free or cost 750 rubles. The price depends on the “filling” of the product;
• Gold cost credit card Sberbank varies from 0 to 3000 rubles per year;
• Youth service costs 750 rubles;
• As for an instant credit card, its service fee is zero.

Will the cost of servicing Sberbank cards change in 2018?

The cost of servicing Sberbank cards according to forecasts in 2018 should not change. According to data financial statistics banking institutions are not aimed at regularly increasing the cost of services, however, in a crisis, a slight increase in prices can still be observed.