Sberbank gold card visa gold

Sberbank is the leader among financial and credit organizations of the Russian Federation. The main goal and task of the bank is to take care of its customers. The bank, taking into account the interests, as well as the financial situation of its customers, meets halfway and offers a certain number of plastic cards. One of these is Visa Gold.

Sberbank gold card Visa Gold

Cards for VIP clients

Visa Gold from Sberbank is a card that confirms the status of a privileged client. Today, Sberbank of the Russian Federation, under the Visa payment system with a Gold priority, issues 2 types of cards (for credit project participants, debit cards), as well as two combining cards: Visa Gold "Give Life" and Visa Gold "Aeroflot". Each card has certain additional advantages relative to its “compatriots”, which only emphasize the status of a consumer of Sberbank of the Russian Federation.
A table showing the general terms of service for a Visa Gold credit and debit card.

Benefits of a credit card:

Credit limit. For Visa Gold card consumers, the credit threshold can reach 600 thousand rubles.
The interest rate ranges from 25.9% to 33.9%. The rate of 25.9% is determined within the framework of an individual offer from Sberbank of the Russian Federation.
Convenient use of the card outside the Russian Federation due to various payment currencies.
Life insurance valid in any country.
Discounts, bonuses from the Visa payment system, valid in 33 countries of the world.
If you lose your pin code or card in another country, it is possible to contact a subsidiary of the bank, where you can instantly receive a card operating under similar conditions. Or contact the Embassy of the Russian Federation, where they will provide financial assistance.
All services provided by the bank via remote access are valid for the gold card holder: Sberbank Online, Mobile Bank, as well as an application for mobile devices.
Commission for cash withdrawals at Sberbank - 3%, in other banks - 4%.
One-time cash withdrawal up to RUB 300,000. (through the cashier of a bank branch).
Service through the contact center is carried out around the clock.

The benefits of a Visa Gold debit card are similar to credit, except for the credit limit and interest rate.

Security

Sberbank of Russia also cares about protecting the financial condition of its clients. For Visa Gold cards are provided the following protection methods:

Magnetic stripe with a printed security code Visa CVV.
Electronic chip.
When paying for services or making purchases through the Internet, 2 codes are used: CVV2 and VbV. If the first code is indicated on the card, then Verified by Visa is sent only to a mobile phone. Such code is of a one-time nature.

Conditions for obtaining a Visa Gold card

To get a debit card necessary:

Have a permanent residence permit in the territory served by a branch of the Sberbank of the Russian Federation.
Age over 18 years old. When issuing an additional card for a child over 7 years old, the presence of a legal representative is required.
Russian citizenship. If a client wishing to issue a gold card is a non-resident of the country at the location of the bank branch, then the possibility of issuing such a card is decided on a strictly individual basis.

For getting a credit card you must meet the following requirements:

Russian citizenship.
The client's age must be at least 21 years old and up to and including 65 years old.
Permanent registration of the Russian Federation.
Work experience: general - at least 1 year over the last 5 years, 6 months. at the last place of work.

Preferential terms to get a Visa Gold credit card:

Salary client of Sberbank of the Russian Federation, including receiving a pension.
There is a deposit in the Sberbank branch.
Using a bank debit card.
There is a consumer loan issued through the Sberbank of the Russian Federation.

The list of documents required to obtain a Visa Gold debit or credit card can be found at the nearest branch of Sberbank of Russia.

Combining gold cards of Sberbank of the Russian Federation

Sberbank of Russia implements charitable programs

A combining card is a card issued in close cooperation between a bank and a partner company. Sberbank issues 2 types of Visa Gold combo-brand cards: Aeroflot and Podari Zhizn. Both cards can be either debit or credit.

Give Life Gold Card... This card is issued in cooperation with the Podari Zhizn charitable foundation (a foundation that provides assistance in the treatment of seriously ill children). When using the card, half of the cost of the first year of service is transferred to the fund, and 0.3% of the amount is transferred with each purchase made by this card. The cost of the annual service is 3500 rubles. The Podari Zhizn credit card is subject to the same terms of service and privileges as the Visa Gold credit card.

Aeroflot card

For the owner of this card there is an advantage in the form of a bonus - miles. This "gift" was developed by the Sky Team and Aeroloflot alliances (partners of Sberbank of the Russian Federation). The essence of the loyalty program: for every 30 rubles spent, 1.5 miles are credited, which can then be spent on:

Purchase of a ticket (excluding additional fees and taxes).
On the quality of service (upgrade from economy to business class).
Purchase of additional services and services of airlines - partners of Sberbank. The list of these services must be checked with the air carrier.

Separately, I would like to note that when the Aeroflot gold card is issued, the user is automatically credited with 1,000 miles as a gift.

Where can you use your Aeroflot card?

Aeroflot card from Sberbank of the Russian Federation

With the Aeroflot gold card, you can perform settlement operations in all stores where cards are accepted by the VISA payment system, as well as pay for services or purchase goods in online stores. For users of this card, all the privileges inherent to the Visa Gold card and the partner program from VISA are valid.

The cost of the card's annual service is 3500 rubles. The conditions for obtaining and the tariffs for this card are the same as for the Visa Gold card.

Miles accumulated over 2 years of card service will automatically expire. However, the system allows you to transfer them to another member of this bonus program.

Bonuses from the VISA payment system

Becoming the owner of a Visa Gold card, the payment system gives additional privileges:

Concierge service. This service will allow you to organize a trip: indicate flights, choose a hotel, book not only air tickets, but also hotel rooms. It will also tell you the location of the restaurant, shop. Add. services: flower delivery, ordering tickets for a concert or theater.
Medical services and legal services in other countries.
Discount from VISA partners: shops, spa salons, hairdressing salons and much more.

Video: what to do if the Sberbank gold card is hacked

As you can see from the above, the Visa Gold card has more advantages than disadvantages. The disadvantages of the card include only expensive service. In general, a gold card from Sberbank is a unique opportunity to get maximum opportunities for a comfortable vacation. The gold card will emphasize your status, which will make you feel confident in this life.