Sberbank of Russia is one of the largest banks in our country; it offers its clients a wide range of banking services. Among the variety of plastic cards, a special place is occupied by the Sberbank gold card, the pros and cons of which are of interest to all users. Moreover, you should figure out how this product actually differs from the classic version and what opportunities it gives to its owner.
Many users wonder what the Sberbank gold card gives to its owners and what characteristics it has. To begin with, it should be noted that, first of all, it emphasizes the high status and material viability of the client; banks offer this banking product only to active and respectable depositors or borrowers. For Sberbank customers, the gold card will become an attractive and profitable product, and there are several reasons for this:
- round-the-clock service in the contact center of Sberbank;
- protection of funds with an electronic chip;
- card restoration after loss anywhere in the world;
- participation in the "Thank you from Sberbank" bonus program;
- the ability to connect "Autopayment";
- control of finances with the help of Mobile Bank and Sberbank.Online;
- participation in programs of discounts and privileges from Visa and MasterCard;
- several ways to fund your account;
- cashless payments for purchases and services in Russia and abroad.
A gold card from Sberbank is an ideal option for those clients who often travel abroad, they have the opportunity to receive discounts on hotels, restaurants, air tickets and other services.
Sberbank gold credit card
Plastic cards are a convenient financial instrument that can be used for different purposes: receiving cash, paying for goods and services. Also, their difference is that the user can use borrowed funds or his own and enjoy all the privileges that this product gives. Gold cards from Sberbank come in two categories, Visa or MasterCard.
Terms of use:
- the maximum loan amount is up to 600 thousand rubles;
- interest rate up to 33.9%;
- validity period - 3 years;
- grace period - 50 days;
- Mobile Banking service - free of charge;
- annual service cost - 3 thousand rubles.
There are only three types of gold cards from Sberbank:
- Visa Gold;
- MasterCard Gold;
- Visa Gold "Give Life";
- Visa Gold Aeroflot.
The difference between all products is only that each payment system (Visa, MasterCard) has different bonus programs and privileged conditions, you can find out about them on the official websites. Credit Visa Gold Sberbank Aeroflot gives customers the opportunity to make purchases and earn miles, which in the future can be exchanged for airline tickets of this company. Visa Gold "Give Life" allows you to contribute to a charitable foundation, that is, the bank transfers 0.3% of the funds spent by the client.
How to get a credit card
Each client can independently arrange a banking product if it meets the basic requirements of the lender:
- age from 21 to 65 years;
- has a residence permit in the region of circulation;
- work experience of at least 1 year, in last place from 6 months.
You can fill out the questionnaire at the nearest branch of the bank or on the official website. In any case, the borrower should come to the office and submit his documents: a passport, a certificate in the form of 2-NDFL, a photocopy of the work book. Terms of consideration of the questionnaire 2 working days.
The credit limit and interest rate are determined by the lender for each borrower individually.
Only reliable clients of Sberbank, for example, depositors, respectable borrowers or salary recipients, can receive the maximum allowable amount at a loyal interest. Besides, the leading role is played by the credit history of the potential borrower and his monthly income.
Terms of use
After registration and activation of the Sberbank gold credit card, the client can pay to her for purchases in stores and online stores in our country and abroad. Despite the fact that the currency of the credit card is rubles, you can pay for purchases in dollars or euros, currency conversion takes place automatically.
You can withdraw cash from a credit card at ATMs of Sberbank and third-party financial organizations. Sberbank's commission is 3% if you cash out through ATMs or cash desks of Sberbank and subsidiaries, and 4% through other financial institutions. Here, the big difference from the rest is that the maximum daily limit for cash withdrawals reaches 300 thousand rubles.
Remote management of Sberbank accounts
Owners can use credit funds completely free of charge. The grace period is 50 days, during this period, you can return the borrowed funds and not overpay the interest for the use. But it must be borne in mind that this does not apply to cash withdrawals, that is, when cashing out funds, interest is charged immediately.
The client can withdraw cash from the credit account even if the credit card is lost in Russia or abroad.
Advantages and disadvantages
Advantages of the Sberbank gold card:
- support for contactless payment technology;
- high degree of protection;
- large limit;
- free Mobile Bank;
- bonus programs from international systems Visa or MasterCard;
- grace period 50 days;
- available for a wide range of clients of different ages.
Cons of the Sberbank gold card:
- high loan rate;
- costly annual maintenance;
- high interest for cash withdrawals;
- no interest-free cash withdrawal.
Among other things, Sberbank customers have the opportunity to control their accounts remotely, for this it is enough to connect the Sberbank Online service. With its help, you can pay any bills, connect "Auto Payment", control the dates and size of the next payment, and much more.
Calculation of monthly payments on a gold card
Sberbank gold debit card
The Sberbank gold debit card is a convenient financial instrument and reliable protection of your savings. This banking product is available to everyone, and also has many of its advantages, besides, users also have access to all bonuses and other privileges from the bank and international systems Visa or MasterCard.
How to get a
It is much easier to issue a Sberbank debit card than a credit card. To do this, it is enough to be a citizen of the Russian Federation over 18 years of age and have a permanent registration. Although Sberbank can issue a debit card to citizens of other countries, the organization reserves this decision.
For registration, it is enough to contact the nearest branch of the bank or fill out a form remotely on the official website, here you do not need to confirm income and a permanent job, because the owner will only use his own funds.
Please note that you can fill out an online application only for a Visa Gold card, you can get a MasterCard only at a bank branch.
Owners of this product have the opportunity to issue additional cards. Moreover, their user can be a citizen of our country over the age of 7 years. The service is paid and amounts to 2,500 rubles, the service fee is 3,000 rubles, the card reissue after the expiration date is free of charge.
Advantages and disadvantages
It is worth starting with the disadvantages - this is the high cost of annual maintenance, otherwise it has a lot of advantages:
- the opportunity to receive discounts and privileges from the bank's partners;
- round-the-clock service by telephone hotline;
- a high degree of protection for your savings;
- the opportunity to use funds in Russia and abroad;
- the ability to issue an additional card (credit cards do not have this option);
- emergency issue of money in case of loss or theft of the card.
Many owners of this product noted that it is quite expensive for middle-income clients, therefore it is not economically feasible to issue it.
Please note that unlimited overdraft is available for gold debit card users.
How to get and use a gold card for free
For each client, the Sberbank gold card is attractive, what it is and what opportunities it gives has already been discussed, but not everyone will want to issue it due to expensive service or a high interest rate. For regular customers of the bank, free registration and service is available.
A loan from Sberbank on a special offer has a reduced interest rate - from 17.9% to 23% per year.
A personal offer can go to clients who receive salaries through Sberbank, have opened deposits or have previously taken out loans. An offer can be received by letter, via SMS or a call from an employee.
How to get a Sberbank gold card for free: for this you need to receive a personal offer from the lender, then come to the bank branch with a package of documents. It is imperative to provide certificates of income and confirmation of a permanent place of work (salary clients do not need this).
Co-branded gold cards
The line of gold cards of Sberbank has co-branded cards - these are "Give life" and "Aeroflot"... They have their own characteristics and privileges, they can be issued on a general basis or on a special offer from Sberbank.
"Give Life" allows the owners to help the charitable foundation of the same name, the bank transfers 0.3% of the funds spent in its favor. The minimum loan rate is 25.9% per year, the cost of annual maintenance is from 0 to 3500 thousand annually. They are available only from the international system Visa, this gives the client the opportunity to evaluate all the advantages of Visa Gold Sberbank, you can learn more about this on the official website of the international payment system.
Aeroflot is ideal for those who often use the services of a partner company. Sberbank customers can actively use the card, receive bonus miles and exchange them for air tickets. The cost of annual maintenance is 3500 rubles, the interest rate on the loan is from 25.9%. These cards are provided only from the Visa payment system.
Please note that there is no free service with the Aeroflot Visa Gold card.
So, free service of the Sberbank gold card is available only for regular customers of this organization, for all the rest the fee is quite high. But given the fact that more than half of the population of our country chooses exactly Sberbank, then each of the regular customers, depositors or borrowers can receive a personal offer.
