June 1, 2016 10:19 am
Sberbank issues high-class payment cards for clients of a special category. With the help of privileged debit cards, customers first of all emphasize their high status. At the same time, the Sberbank gold debit card is not just a part of the image of a successful person, but also a multifunctional financial instrument. How to issue such a card, and what privileges does its holder receive? All this is in this article.
What is Sberbank gold debit card
Gold cards occupy a special place in the line of debit products of the country's main bank. They allow you to quickly and conveniently make various monetary transactions.
Special services are available to holders of gold cards (*). Special privileges make the use of a financial instrument not only comfortable, but also profitable. A high level of security guarantees the safety of funds. In addition, holders of these cards receive personalized service. Terms of receipt and service
For those who want to issue a gold payment card, Sberbank has the following requirements:
- citizenship - only the Russian Federation;
- permanent registration in one of the regions of the Russian Federation;
- the age for obtaining the main card is at least 18 years old;
- age for obtaining additional gold cards - from 7 years.
It should be noted that the credit institution issues a preferred financial instrument to non-residents of the Russian Federation. Also, those who do not have permanent registration have the opportunity to become a holder of a special product. But the decision in both cases is always made on an individual basis. The credit institution reserves the right to refuse to issue a gold card to such potential clients without giving any reason.
Algorithm for the design of a gold card:
It is possible to apply for a card of the highest category on the official website of the credit institution. In particular, orders for the issue of a card with an individual design are accepted only on the website. If the application is submitted online, then the client signs all documents directly upon receipt of the financial instrument. In addition, only a Visa card can be ordered online. The MasterCard Gold debit card can be issued only at the bank branches.
The credit institution decides to issue its product within a maximum of two working days. Annual maintenance costs 3 thousand rubles to gold card holders. For each additional card, Sberbank takes 2.5 thousand rubles. The re-issue of a privileged card is free of charge.
Cons and pros of Sberbank gold debit card
A payment card of the highest category, like any banking product, has its advantages and disadvantages. This has a lot of advantages. These include the following points:
- discounts, as well as privileges from MasterCard and Visa payment systems;
- the ability to issue additional cards, including for children aged 7 years and older;
- service through the contact center not only during the day, but also at night;
- receiving cash on the territory of the Russian Federation and abroad in subsidiary banks on equally attractive terms;
- conducting various online transactions in a special secure mode;
- emergency cash withdrawal if the card is lost on the territory of another country;
- cashless payment for services and goods using an ATM network, as well as self-service devices not only in Russia, but also abroad.
In addition, many partner companies of Sberbank provide holders of gold cards with significant discounts on their goods and services. As for the disadvantages of a product of a special category, there is only one - the high cost of service for a person with an average income. For people who receive a fairly large income, this amount is quite acceptable.
Debit gold card of Sberbank - reviews
Gold debit cards of the leading credit institution in our country are quite popular with its regular customers. Many of them prefer this financial instrument due to the additional options available. Thus, some of the holders of a higher category card say that it helps to save a lot on daily expenses. Sberbank today cooperates with a large number of different companies. This list includes:
- restaurants;
- gas stations;
- clothing stores;
- airlines;
- entertainment centers, etc.
By paying for goods and services with gold plastic, you can save up to 20% of your money. Those who often travel abroad appreciate the possibility of hassle-free withdrawals from the card in other countries. By law, large amounts of money cannot be transported across the border. Therefore, many of the required amount on the card, and after arriving in a foreign city, withdraw money from the nearest ATM. Also, regular customers who regularly use the card recommend it for the safety of their finances when traveling to cities in Russia and other countries.
Negative reviews about this, as a rule, come from citizens who use it inactively. Also, many complain about the high cost of servicing a gold payment card. But if we consider how many discounts and bonuses a holder of a financial instrument can receive, then the annual payment justifies all the costs. This product brings the greatest benefit to the bank's clients, who receive a very high income.
- To control the movement of money on the account, it is recommended to review the report, which is drawn up by the bank, on a monthly basis.
- Before traveling to another city or country, you should make sure that the card is active.
