MasterCard Mass is a common type of card that has similar conditions as MasterCard Standard. This offer perfectly combines the ratio of services with the cost of the service. Mastercard Mass allows you to purchase goods in any country in the world, which is one of the significant advantages.

The type of plastic in question from Sberbank is accepted in more than 150 countries around the world. It can be used to pay at more than 9 million retail outlets, and when purchasing goods through an online store, secure transactions are carried out.

TO additional services plastics from Sberbank include:

1. Availability of the Mobile Banking service. This is a service from Sberbank, through which you can not only control all types of transactions carried out using plastic, but also manage funds.
2. Transfer money to your card using special ATMs.
3. Availability bonus programs and discounts provided for non-cash payments.

If you need to top up your card balance, there are the following options:

• Contact a bank branch.
• Through a self-service terminal.
• Through electronic wallets.
• By transferring money from other cards.

Terms of use by bank card MasterCard Mass allows for such operations as depositing cash into an account, paying for purchases through terminals and running a report on the current balance. All these operations are free, so they can be performed any number of times.

Credit card

An offer is available for citizens of the Russian Federation to receive a credit card with the MasterCard Mass payment system. This MasterCard Mass credit card from Sberbank is issued for a period of 3 years, and can only be received by citizens of the Russian Federation who have reached the age of 21. In addition, when applying for such a plastic card, a bank employee will check the availability permanent registration in the passport, and if it is missing, the bank has the right to refuse. In addition to registering your place of residence, you will also need a certificate of official income, which will allow the bank to estimate the limit amount that can be loaned to the client.

The most interesting point is that the MasterCard Mass plastic service is free. If there is a need to cash out credit funds, a commission of 3% is charged. Maximum limit, which the bank can offer under this proposal is 600 thousand rubles. However, this does not mean that such an amount will be available when receiving plastic. Typically, users receive no more than 150 thousand, and only after six months can they apply for an increase in the limit.

You can use it for 50 days credit funds without paying interest. This period is called a grace period, during which all non-cash expenses are free of commission and interest. If you do not have time to repay the debt, then upon expiration specified period a commission will be charged, the amount of which is indicated in the contract upon receipt of the plastic.

This is interesting! If you need to receive money in the amount of up to 150 thousand rubles, then you can get it without commission at the same Sberbank branch where the card was issued.

When carrying out this operation in other branches of Sberbank, the withdrawal of the commission will be equal to 0.75% of the corresponding cash out amount.

Debit card

For payment system MasterCard Mass is also available and debit card from Sberbank. Persons who have reached the age of 18 can receive this offer. To obtain debit type plastic MasterCard Mass, you do not need to have Russian citizenship and permanent registration. All you need to do in order to receive the product is to go to a bank branch, write an application, and choose an offer in one of three currency options. You should choose a currency in the form of euros, dollars or rubles depending on the form in which you plan to store your savings. If you are planning a trip abroad, you can put currency on the card, which you can later use to pay abroad.

You can connect the “Thank You” bonus program to your card, which allows you to accumulate bonus points. You can spend accumulated points only to pay for goods and services exclusively in stores and organizations that are partners of Sberbank. Additionally, holders of the main card have the right to issue an additional one. You can withdraw an amount of no more than 300 thousand rubles per day.

This is interesting! Parents can issue a debit card for a child over 10 years old bank card type MasterCard Mass.

How to get a plastic product

You can apply for a MasterCard Mass offer at any Sberbank branch by applying in person. The main conditions for receiving plastic products are being over 18 years of age and having permanent registration in the city where the plastic will be issued.

To draw up an agreement with a client, a bank employee will ask him for a passport or any other identification document. If necessary, depending on the type of plastic, the bank may request other types of documents. In order for the plastic to be issued to the owner, you need to enter into an agreement with the bank, and only after that become the owner of the coveted card.

This is interesting! Registration of plastic for a child is carried out only by an adult. To do this, the owner of the main card writes an application, and only after that he is given plastic for the child.

Service cost

The cost of servicing debit plastic from Sberbank differs depending on the type of offer. For the main offer, the price for the first year of service is 600 rubles, and for an additional one it is 360 rubles. In subsequent years, the cost of the service is 360 and 240 rubles, respectively.

If plastic is chosen in foreign currency, then for the first year the service will cost the following amount:

• for euros – 25 euros;
• for dollars – 25 dollars.

Over subsequent years, servicing currency offers will cost 15 dollars and 15 euros, respectively.

Additional costs for plastic

To the row additional expenses relate:

• Order a report on the last 10 transactions through an ATM. The cost of such a mini-statement will be 15 rubles per operation.
• If there is a minus on the credit card, then after the grace period expires, a commission of 34% for an account in rubles and 35% for a foreign currency account will be charged.
• If the card is lost or stolen, the cost of blocking will cost 50 dollars or 120 rubles.
• If you need to get cash from a card at an ATM, then a commission of 3% for Sberbank ATMs and 4% for devices of other banks is charged for this procedure. At the Sberbank cash desk, the cost of cashing out is 0.75%. In the branch where plastic is issued, you can withdraw cash at the cash desk without paying a commission.

The owners of the proposal under consideration have a number of other additional features, which are both paid and free. The cost of the Mobile Banking service is 60 rubles per month. You can do without it, but with its help you can quickly identify if fraudulent activities are being carried out on your card. Using MasterCard Mass you can make payments for public utilities in special terminals where no commission is charged.

Despite all the advantages of the MasterCard Mass banking product, it also has some disadvantages:

• Paid plastic blocking, so it will be cheaper not to lose them.
• Paid report at an ATM.
• If there is a minus on a credit card, a decent amount of commission will be charged.
• Removal of commission when cashing out plastic.

It is recommended to familiarize yourself with the shortcomings immediately so that problems do not arise during the use of plastic. If you have any questions while getting acquainted with the banking offer, you can always ask them bank employee in the department. If the proposal in question does not suit the client, then other options should be considered.

Today, plastic MasterCard Mass is not issued in Sberbank, and they can only be found among users. This type of offer is convenient for small businesses, which allows you to replenish the funds that are in the company’s circulation.

Sberbank of Russia today issues plastic cards of a wide variety of types and purposes. Among them, the simplest, most profitable, accessible and worthy of the attention of users is the Mastercard Standard credit card. Under what conditions is it provided? credit card Sberbank MasterCard Standard, we will tell you who can apply for it further.

Sberbank Mastercard credit cards

Currently, Sberbank presents citizens with several types of cards that support the international payment system Mastercard. In the list of MasterCard credit products Sberbank:

• Standard
• Gold.

The first type, in turn, is divided into classic MasterCard Standard products and instant issue Momentum MasterCard. They differ from each other in terms of provision and cost of service. A regular card will cost the holder 750 rubles.

An instant credit card is issued free of charge on the day the client applies. But you can only get it with a preliminary offer. The bank makes it available only to current active clients. A new borrower cannot apply for an instant card. More about the Sberbank Momentum product in the article.

Sberbank Mastercard Standart credit card: conditions

Let's take a closer look at the conditions for providing the Mastercard Standard credit product. Its main characteristics:

• account currency – Russian rubles;
• annual service cost – from 0 to 750 rubles;
• interest rate - from 23.9% to 27.9% per annum;
• Grace period 50 days.

Individuals aged 21 to 65 years who are citizens of Russia and have permanent registration on its territory.

To get a card Mastercard Momentum In addition to the above requirements, one of the following conditions must be met:

• be a salary client of Sberbank (that is, receive on plastic financial organization pension or salary);
• have consumer loan in structure;
• use one of the company’s debit products;
• be the owner of an open deposit account with Sberbank.

Sberbank Momentum cards (VISA or Mastercard) are available only to current bank clients.

The client can submit a preliminary application for a credit card and find out the bank’s decision on it remotely through Sberbank Online.

Sberbank Mastercard Gold credit card: conditions

Another credit product of Sberbank payment type Mastercard is the card MasterCard Gold. The conditions for its provision are as follows:

• supported payment systems - Visa, MasterCard;
• currency – Russian rubles;
• validity period – 36 months;
• service price - 3000 for 12 months;
• loan limit – within 600,000 rubles. for clients on a personal offer, up to RUB 300,000. for all other users;
• annual interest rate - 23.9% - 27.9%;
• interest-free lending period up to 50 days;
• Additional credit cards are not issued.

The Sberbank MasterCard gold card has many advantages, including:

• Support from contact center specialists around the clock.
• The ability to use the instant cash withdrawal service in an emergency (for example, if a card is lost abroad);
• Making payments for goods and services using credit card details (by phone or via email) and so on.

The downside is the high cost of annual maintenance.

Design credit product Mastercard Gold is available to individuals who meet the following bank requirements:

• having Russian citizenship;
• age - 21 years - 65 years inclusive;
• registration in any region of Russia (permanent or temporary);
• received a personal offer from Sberbank.

Get individual offer from financial company persons who are salary clients bank or organizations using debit products. The product is also available to depositors and citizens who have a consumer loan from Sberbank.

Benefits and bonuses

The main advantages of using Mastercard Standard and MasterCard Gold plastic products are:

• the opportunity to use Sberbank Online, Mobile Bank and Autopayment services around the clock;
• high degree of credit card protection, thanks to special 3D-secure technology;
• the ability to withdraw cash from ATMs around the world;
• the presence of various bonus programs, including such profitable promotions, How:
  • 25% discount in The Body Shop chain stores,
  • 10% at Rendez-Vous,
  • 15% in the iLux online store, etc.

Terms of use

The Mastercard Standard plastic product is issued for a period of 3 years. Next, you need to submit an application for reissue.

• Holders of these cards have the opportunity to use credit funds from the bank interest-free for 50 calendar days.
• Plastic is convenient when making payments for goods and services, as well as safe when making payments.
• You can withdraw cash from your card at any ATM or terminal located both in Russia and abroad.
• Commission for cashing:
  • When withdrawing money from a registered classic Mastercard Standart through a “native” ATM, no commission is charged.
  • When cashing out through a third party, the service fee will be 1% (min. 100 rubles).
• Transfers from any Sberbank credit card via the Internet, mobile bank or bank are unavailable!
• You can top up your credit card:
  • cash (at an ATM, cash desk of a financial institution),
  • by bank transfer (for example, by transferring money to a card via the Internet from another plastic card, through payment resources QIWI, Yandex.Money, WebMoney, and so on).

Depending on the source of funds that are stored in her account (client or bank money).

Main advantages

The terms of use of the classic Sberbank card from the MasterCard payment system have the following features:

• function
• participation in the bonus program Thanks from Sberbank
• the ability to maintain an account in three currencies of the client’s choice: rubles, US dollars or euros (only debit cards are issued)
• service area - the whole world (withdrawals and non-cash payments are available, including via the Internet)
• support for 3DSecure option (secure payment on the Internet)
• work with card account by using online services(mobile banking, web version)
• to the main debit can be issued

At the client’s request, the Sberbank MasterCard card can be personalized (with the holder’s name) or, however, in the latter case, its capabilities will be limited. For example, it cannot be used for online purchases, since the system usually requests the holder's last name and first name, indicated on the front side, and the instant card - .

MasterCard registration

Client requirements

The list of requirements that Sberbank imposes on a potential MasterCard Standard card holder differs significantly depending on which payment instrument is issued - (see table).

When registering the second option, the client’s income can be confirmed as follows:

• account statement from a Sberbank card (subject to salary or salary)
• providing documents from the place of work - 2-NDFL certificates and copies of the work book

Release methods

Sberbank provides 3 ways to issue MasterCard Standard plastic cards: at the branch, through your personal account or on the official website.

1. in the department. To submit an application, the client must provide a package of documents to the responsible bank employee, select the account currency and the place of issue. from the bank or general conditions. In the first case, a certain amount has already been approved, and the client can immediately receive a card (only) or order a personalized one. If there is no such offer, then consideration of the request will take up to 2 days
2. through your personal account. The issue is made in Sberbank online in the menu tab My cards. Registration of a payment instrument with borrowed funds is possible only subject to a pre-approved offer
3. on the bank's website. To order a debit card, the client will need to enter his personal data and indicate the delivery office. To apply for a credit analogue, you must leave your phone number in the appropriate column and wait feedback from the call center operator. If the limit amount has already been pre-approved, the issue will occur remotely and the card will be delivered to the specified office, otherwise the employee will make an appointment at the branch

Service tariffs

Cost of MasterCard Sberbank

For the issue and use of a MasterCard Standard card, Sberbank charges a commission in the established amount. Yes, the fee for annual maintenance is:

• for the first year of use – 750 rubles(main), 450 rubles(additional)
• over the following years - 450 rubles(main), 300 rubles(additional)

Only instant cards are provided free of charge.

Important

• use the card only for non-cash payments for purchases on the Internet or through (the service does not apply to withdrawals)
• repay the accumulated debt in full within 50 days

How to avoid paying interest on a credit card

MasterCard Worldwide is an international payment network. By owning a MasterCard credit card, you have the opportunity not only to pay for purchases in different countries world, but also receive discounts and exclusive offers. Banks offer different kinds card products. Based on the requirements, the client can choose any one. They differ in service fees, range of services and limits.

MasterCard credit card is a modern payment product that has the following advantages:

• Using borrowed funds without contacting a credit institution and specifying the intended purpose.
• Availability of interest-free period.
• Making payments for goods and withdrawing funds.
• 24/7 support service.
• Service in 210 countries.
• High safety when storing funds.

Sberbank offers all types of MasterCard products. Plastic cards are equipped with a chip, which ensures the safety of their use in devices. Credit card options:

• security of payments;
• payment for purchases anywhere in the world where cards are serviced;
• payments and expense control in Sberbank Online;
• interest-free period up to 50 days;
• “THANK YOU” bonus program, see also: ;
• 3DS-Secure technology for secure online shopping;
• the largest network of devices in Moscow and Russia;
• contactless payment;
• Mobile Bank application;
• "Autopayment" service;
• SMS notification.

Types of credit cards Mastercard

Credit cards are issued in several types:

• Standard – classic version with standard package opportunities, good ratio of cost of service and range of services.
• Gold – with improved service and a number of additional options.
• Platinum – with extended privileges, such as increased limits for cash withdrawals, profitable terms lending.
• Momentum – instant card, unnamed, issued in 15 minutes.

Terms and rates

For Mastercard credit cards issued in this year, Sberbank has canceled the annual service fee. This applies to Standard and Gold products. The savings will range from 750 to 3000 rubles and depend on the type chosen.

The fee for reissue in case of loss or change of personal data will be 150 rubles for Standard products, for others - no fee.

The tariff for funds issued at an ATM or Sberbank cash desk is 3%, third party organization— 4%, but at least 390 rubles.

How to apply for a Sberbank MasterCard credit card

Requirements for the borrower to receive World Black Edition, Gold, Standard, Momentum products:

• Age from 21 to 65 years inclusive.
• Citizenship of the Russian Federation.
• Permanent or temporary registration in a locality of the Russian Federation.

Applications for Standard youth credit cards are accepted from persons no older than 30 years of age.

In Moscow, Sberbank branches are represented in all districts. The operating hours are indicated on the Sberbank website.

Pre-approved offer

Sberbank calculates a pre-approved offer for persons who have experience in dealing with credit institution, such as:

• participation in a salary project;
• using a debit card;
• opening a deposit;
• availability of consumer credit.

Within the framework of the pre-approved offer, individual rates, which make it possible to get a credit card with an increased credit limit and/or low interest rate. Data about this is displayed in Sberbank Online or comes in the form of SMS alerts to the client’s phone. You can also clarify the information individually at a bank branch.

How to use a Sberbank Mastercard credit card

Credit limit

The credit limit is the amount of loan provided by the bank to the borrower. It is renewed when funds arrive on the card. The bank may increase credit limit under the following conditions:

• the current limit is less than the maximum allowable for this type of card.
• The client uses any card product for more than six months.
• Timely payment of the loan, no delays.

Credit limit

You can clarify your credit limit data in the following ways:

• SMS message “DEBT” to number 900;
• to Sberbank Online;
• at an ATM.

Grace period

Interest-free period - up to 50 days, of which:

• reporting period- 30 days;
• payment period – 20 days.

Information about reporting date to be specified upon receipt of the credit card. Every month Sberbank sends an SMS notification specifying the date and amount of the debt. The borrower must pay the debt for the reporting period during the payment period so that no interest is charged on the loan.

Sberbank provides an interactive service on its Internet resource for calculating the grace period.

It is important that there is no interest-free period:

• for cash withdrawal operations;
• by the amount exceeding the credit limit;
• for transfer operations.

The interest-free period applies to purchases at retail and service establishments and on the Internet.

Mandatory payment

If the client has not repaid the debt within the payment period, he is required to pay obligatory payment, the amount of which will be calculated by the bank at the end of the reporting period. In case of non-payment, a penalty will be charged.

Loan repayment

The card can be topped up in the following ways:

• transfer from any card;
• transfer from electronic wallet QIWI, WebMoney, Yandex;
• at the bank office;
• at an ATM.

Card activation

Comparison of Visa Classic and MasterCard Standard

And MasterCard Standard are the most commonly used means of payment. For a relatively small commission, you can get a full range of options, including contactless payment.

If you plan to use the card for cash withdrawals and transactions in Russia, then there is no difference in the products. The difference will only be when transactions are carried out in a currency different from the account currency. Payment calculations Visa system Most often it is carried out in dollars, and MasterCard – in euros. In this case, it is more profitable to use a MasterCard credit card in Europe, and Visa in America and Southeast Asian countries. Thus, you can save on currency conversion, this is especially true when the exchange rate fluctuates strongly.

Sberbank credit cards – convenient way short-term loan. The main thing is to pay attention to studying the tariffs and the agreement when opening a card account, in order to avoid unnecessary expenses on loan repayment.

The Sberbank of Russia MasterCard card is familiar to many citizens of the country. This means of payment appeared here one of the first and currently occupies a strong position in its market segment. Visa cards and MasterCard remain the most popular banking products, despite the fact that in Lately The state is trying to actively introduce into circulation a specially developed national payment system “Mir”.

Mastercard is an international company, just like Visa. Holders of plastic payment instruments of these world giants have the opportunity to pay both within the territory of their state and abroad. The conditions under which the card can be used abroad may vary and depend on its type.

Standard options have a minimal cost for annual maintenance, but have a small set of features. Gold cards, on the contrary, give the holder access to a whole range of services and privileges, but the cost of such a copy for its owner will be much higher.

The most common options are the classic types of products of the international payment system. Sberbank MasterCard debit and credit cards have a number of features that you need to know about before applying for a specific product.

MasterCard "Social"

Cashless payments are becoming increasingly popular. You can now pay in almost any store without having cash in your wallet. The vast majority of able-bodied citizens receive their salaries on cards. In the same way, the state transfers almost all benefits provided individual categories of people.

Only a small part of pensioners prefer to go to a post office or bank office to get money. These are elderly people who find it difficult to understand technological innovations. But many of them have already learned to use ATMs and have a plastic means of payment.

The MasterCard debit card for pensioners is issued free of charge. Sberbank undertakes its maintenance. This type of card is called “Social”. It is specifically designed for transferring government benefits and pensions.

And we are talking not only about people who have reached a certain age. Such a card can be obtained by disabled people, women on maternity leave, and persons receiving government subsidies due to difficult financial situations.

The peculiarities of this means of payment are that it can be used in stores, but you cannot make purchases on the Internet with its help. The card holder has access to the Internet banking system, can make transfers to their accounts and cards of other persons, as well as pay utility bills in personal account"Sberbank Online".

For those who have a plastic product intended for transferring state benefits, an SMS notification service about completed transactions is available. This service is provided for pensioners on preferential terms.

The Sberbank social card has a number of restrictions abroad. You can pay with it, but it is difficult to withdraw money from an ATM of another financial institution. You can cash out at self-service devices only in the Russian Federation.

The advantage of such a plastic product is that interest is charged on the account balance. Their size is small and amounts to about 3% per annum, but for working pensioners who have the opportunity to accumulate state benefits, even this modest amount is a pleasant bonus.

The standard plastic means of the international payment system is a convenient tool for everyday resolution of various financial issues. Some people own classics debit cards within salary projects. In this case, the products are issued at the enterprise, which covers the cost of annual maintenance.

Some citizens specifically open a new account to which MasterCard Standard is linked. This card is a classic payment option. She gives great opportunities both within the country and in other states. The card is convenient to use when traveling, because its service is supported all over the world.

Using MasterCard Standard you can pay for purchases in stores and online. This plastic tool allows you to perform all operations in Sberbank Online. The card allows you to withdraw money from ATMs within the limits daily limit, established by the organization. With a debit MasterCard you can transfer funds to the accounts of organizations and individuals.

The cost of annual maintenance is 750 rubles. Moreover, the cardholder has the right to issue several additional payment products, including for his child, whose age must be over 7 years. The price for using new cards will be lower. Its size will be 450 rubles.

A citizen of the Russian Federation who has reached the age of majority has the right to receive a MasterCard Standard by applying to any Sberbank branch with a corresponding application.

The biggest National Bank, working with individuals, has long been a leader in the production of plastic payment instruments. These include not only debit and social cards, but also credit cards. They are very in demand financial instrument, as they give their holder greater opportunities to resolve various issues related to money.

The conditions under which Sberbank credit cards related to the MasterCard international payment system are provided are quite flexible. That is why hundreds of people use this financial product.

The Sberbank MasterCard card is not free, but the annual service for such a product is the lowest and amounts to only 750 rubles per year. The credit limit on the card is set individually for each client. If a person has been actively using the product for some time, the bank can increase the amount of available funds.

The MasterCard Standard credit card allows for cashless payment for purchases both in Russia and abroad. The holder has access to all operations in Sberbank Online. He can connect any of the 2 SMS notification packages.

The cardholder has the opportunity to make purchases on the Internet and pay for the services of various companies. Special bonus projects are available to him. The most famous is the “Thank you” program from Sberbank. It involves the accrual of points for each purchase from a partner of the organization. These bonuses can then be used as a means of payment.

The advantage of a credit card is that the bank has established a grace period for it, during which you can return the borrowed money to your account without interest.

This must be done within 50 days after the date that is the beginning of the new reporting period. If the funds are not returned on time, a loan is automatically opened in the name of the card owner with a rate of about 24% per annum. As soon as the required amount is credited to the account, interest accrual is suspended.

A credit card is not intended for cash withdrawals. This operation can be carried out, but an additional fee of 3% of the amount will be charged for the service.

Who can get a credit card?

To become a holder of a plastic means of payment with the ability to spend borrowed funds bank, you need to submit an application and a package of documents to the organization’s branch. It must include identification and certificates confirming the client's solvency. Depending on the person’s income, the institution will set a credit limit on the card.

A citizen of the Russian Federation who has reached 21 years of age can apply for a plastic payment instrument. The upper age limit is limited to 65 years. A Sberbank credit card is available to those who have a total seniority 1 year in the past 5 years and worked for at least 6 months in the last place. This requirement does not apply to pensioners who receive state benefits from Sberbank.

Premium programs

For privileged clients, Sberbank, together with MasterCard, creates special projects that meet all the requirements for this category of citizens financial products. There are so-called silver, gold and platinum cards of the international payment system.

Their annual maintenance costs much more than standard copies. It can range from 3,000 to 15,000 rubles per year, depending on the type of contract. But participants in premium programs have almost unlimited possibilities for using plastic payment instruments. They have access to a large credit limit.

Holders of gold and platinum cards automatically become participants in a significant number of bonus programs from bank partners. The list of such companies includes air carriers, telecom operators, branded clothing stores, car services and other organizations.

However, becoming a holder premium card maybe not everyone. The main criterion is the amount Money, placed on the front, settlement or investment accounts Sberbank. For MasterCard Platinum owners it must be at least 3 million rubles.

Co-branded MasterCard of Sberbank of Russia

Large operators mobile communications are developing special programs loyalty together with financial institutions. The result of this work was a project between MTS and Sberbank, implemented on the basis of the international payment system MasterCard.

Special a plastic card allows customers of Mobile TeleSystems to accumulate points by making cashless purchases. They can then be used to pay for various communication services. The service is available to MTS subscribers.