Feature of a gold card from Sberbank for salary clients

The Sberbank gold credit card is not only a prestigious accessory confirming the high status of its holder, but also serves as the key to a wide range of bank services.

Happy users of such cards have a number of additional privileges that are not available to ordinary customers of a financial institution. A high credit limit, free insurance services and other (no less popular) options become available immediately after receiving the coveted plastic.

Of course, the service of such a card is far from cheap, however, the range and quality of services provided to customers more than cover all the existing service costs.

When will she come in handy

For established and successful businessmen and businesswomen, this question has not been raised for a long time. A credit card is an unconditional attribute of their life, such as an expensive car, laptop or smartphone. Paying for purchases in a store, booking a hotel room or purchasing personal luxury items - all these attributes of a rich life instantly become available with a Sberbank credit card.

It is especially convenient to use the card abroad - it is there that holders of gold cards can take full advantage of all the privileges available to them. Renting a vehicle, various bonuses, promotions and joint programs of payment systems and its partners will not only help save money and time to holders of a "gold" credit card, but will also allow you to get other benefits corresponding to their status.

If we talk about the areas of application of the Sberbank gold card in our country, one cannot fail to note the presence of an impressive list of partners of the financial institution and the settlement system who are ready to offer the bank cardholders favorable terms of service, bonuses and special programs that allow their holders to feel their privileged status even in the most unusual situations. ...

What it is

Sberbank's gold card is, first of all, a payment instrument that allows its holder to:

• store and use your own funds on the card in any existing currency of the world;
• use the card without restrictions for payments within the country and abroad;
• if there is a lack of own funds on the card, use the credit limit;
• check the card account without paying bank fees;
• remotely manage your own funds deposited on the relevant bank accounts through the Sberbank Online system;
• receive discounts in shops and hotels around the world.

The bank's gold credit card is issued on the basis of Visa and MasterCard payment systems. The credit limit for these cards is the maximum among Sberbank cards and is 600 thousand rubles.

In addition, the bank's line of preferred cards of the Visa Gold type is represented by two more types of cards:

The high status of the card presupposes the presence of an extended list of banking services and high quality of service to the holders of such cards, including:

• round-the-clock service in the call center;
• remote account management through the Sberbank Online system;
• auto payment function;
• payment for goods and services both within the country and abroad;
• emergency cash withdrawal in case of loss of the card (including abroad);
• a single tariff for withdrawing cash from ATMs of the bank and its subsidiaries abroad;
• the ability to replenish the card in cash and non-cash;
• availability of making payments by card details;
• the ability to link the card to electronic wallets;
• participation in bonus programs and bank promotions;
• various privileges and discounts within the special bonus programs of the IPS Visa and MasterCard.

The basis for the cancellation of the annual service fee is that the client has a loan offer approved by the bank.

All types of cards of this class in Sberbank have a high degree of protection, including:

• have an electronic chip;
• uses 3-D Secure technology;
• use of contactless technology PayPass (MasterCard) and PayWave (Visa).

Despite the fact that a gold card has a privileged status, in some cases its servicing is carried out by a financial institution absolutely free of charge.

Below we propose to study the current conditions of the gold card of Sberbank MPS Visa and MasterCard:

Those wishing to apply for a Sberbank gold card should remember that there are rather high tariffs for the annual service of the card (in the absence of a pre-approved offer from the bank), as well as the range of available services for clients of this status.

For those clients who have a question - what is it, a pre-approved solution, we provide clarifications on this issue.

A pre-approved decision on a loan is a decision on the possibility and conditions of lending, initiated by the bank. This decision is based on the client's current calculated data available in the electronic databases of the financial institution and is preliminary, requiring subsequent confirmation.

Service Highlights

Under the current conditions of a financial institution, holders of Sberbank gold cards have the following privileges and opportunities:

• carry out settlements in three currencies - rubles, US dollars and euro;
• receive discounts and various privileges within the framework of joint programs with VISA and MasterCard;
• issue a number of additional cards for other persons, incl. for children (starting with 7 year old age);
• receive cash outside the Russian Federation and on the territory of Russia on the same terms.

Taking into account the regular updates of profitable promotions, bonus programs and special offers for holders of privileged cards, customers have the opportunity to get acquainted with them online on the Sberbank website, as well as in the corresponding information section of the international payment system.

Pre-approval

For those clients who have proven themselves on the positive side in terms of credit and other programs, participants in the bank's salary projects and pensioners receiving pensions to an account with Sberbank, as well as, if there is a high interest in cooperation with the client from Sberbank, the financial institution initiates the provision of to the gold card holder of a pre-approved loan decision.

It should be noted that Sberbank's gold card is most often issued in this way for salary clients.

You can find out about the availability of such an offer in one of the following ways:

• by applying with a passport to the nearest bank branch;
• after reviewing the card statement data at any ATM or terminal of Sberbank when carrying out a settlement transaction;
• having studied the bank's offer sent in the form of an SMS message to the cardholder's mobile phone.

If there is such a decision on the part of the bank and the client's reciprocal interest in obtaining a credit limit, the holder should receive a loan:

• apply with a passport to the nearest bank branch;
• fill out a questionnaire;
• obtain final approval for the loan;
• sign a loan agreement and pick up the card.

Terms of issue

Sberbank has the following requirements for potential borrowers wishing to get a credit card:

Those wishing to get a loan should take into account that compliance with the bank's requirements for borrowers is a prerequisite for making a positive decision on the loan.

Activation and use

To receive a gold card on the client's own initiative, you should contact the nearest bank branch and fill out a questionnaire, having previously prepared a package of necessary documents:

• passport indicating the place of registration;
• certificate of income for the last 6 months;
• a certificate from the place of work and a copy of the work book, certified by the employer.

Within three days, the bank will consider the loan application and inform the client about its decision. If a positive decision on the loan is made in a convenient way for the client, the bank will be informed about the amount of the approved credit limit and the procedure for obtaining it.

After signing all the papers, the bank employee will enter the necessary information into the database and issue the card to the client. The card will be activated automatically, and it will be possible to use the money from the day the card is issued the next day.

What is the difference between the Sberbank gold card and the usual

If we talk about the main differences between the Sberbank gold card and ordinary credit cards, then these characteristics of the means of payment should be attributed to them:

• the presence of an increased credit limit in comparison with cards of a lower class;
• lower interest rate on the loan;
• use of 3 currencies on the card;
• registration of life insurance valid in any country in the world;
• the ability to receive various bonuses, discounts and promotional offers in many retail chains around the world;
• the possibility of obtaining financial support in case of loss of the card (including abroad);
• as well as the ability to unobtrusively emphasize the status of the client in almost any situation.

Tariff overview

At the moment, holders of gold cards have the opportunity to use the services of Sberbank on the following conditions:

Based on these tariffs, customers are not recommended to withdraw cash through the cash desks and ATMs of the bank, since in the case of such an operation, a financial institution charges a fairly large commission ( 3-4% , minimum 390 RUB from the transaction amount, and the grace period conditions do not apply.

Additional information about the Sberbank gold card

Limits and discounts

In accordance with the current tariffs of Sberbank for gold cards, the following transaction limits are set:

Benefits and privileges

A gold credit card is automatically a member of the loyalty program, the terms of which provide for the automatic return of bonuses to the client's account based on 1 RUB = 1 point.

The use of these bonuses is possible as a discount when making new purchases during 3 years from the date of their enrollment. The amount of charges can reach up to 1/2 of the purchase amount.

Holders of the Aeroflot Gold card are additionally members of the incentive program from Aeroflot.

With each card payment, the cardholder is credited with bonus miles, which can later be exchanged for a ticket to any country in the world where there are valid routes of Aeroflot and SkyTeam.

It should be noted that the maximum limits available in the bank are set for gold credit cards.

How to close

In case of issuing a credit limit, holders of salary cards have the opportunity to take advantage of a grace period for crediting ( up to 50 calendar days), upon repayment of debt, during which interest on the loan is not charged.

If, upon the expiration of the billing period, within the period established by the contract (before 20th the day of the month following the settlement) the card debt is not closed, interest is charged on the entire balance of the debt from the moment of its occurrence.

The client must pay off the arisen debt on a monthly basis in the amount of 5% of the amount owed at the reporting date plus accrued interest on the loan.

The loan is repaid by replenishing the card through self-service devices, cash desks and remote services of Sberbank or another organization.

When making a payment, it is necessary to take into account the terms of crediting the transfer, since late payment entails significant penalties for each day of delay.

In cases of carrying out operations to repay credit debt through third-party organizations, the cost of a money transfer should be additionally taken into account.

Pros and cons

Considering the pros and cons of the current conditions for obtaining and servicing Sberbank gold cards, the following advantages of this payment instrument should be noted:

• high limits for cash withdrawals;
• high credit limits;
• the possibility of obtaining a pre-approved decision on the passport (without certificates and guarantors);
• the possibility of free service of the card in the presence of a pre-approved solution;
• participation in various bonus programs and promotions of the IPS Visa and MasterCard;
• moderate interest rate;
• preferential terms of loans for salary clients of the bank.

There are few disadvantages of such cards, however, the most significant of them are high rates for annual service and commission for cash withdrawal.

Based on the current procedure for issuing and servicing Sberbank gold cards, especially attractive conditions apply to salary clients of the bank who have a pre-approved loan solution.

If there is such a solution and the need for borrowed funds, we recommend using such an offer.

How to get a Sberbank salary card, the article on.