Availability today bank card– this is not a whim, but a necessity. It can pay for purchases, be a stylish accessory, and also become an additional source of pride and income. Let's consider Visa Gold and MasterCard Gold cards - premium products of Sberbank.

Rules for issuing Gold series products

It is not so easy to get a gold card - the bank issues plastic cards only to selected and conscientious clients. Cardholders are provided with 24-hour priority service at the contact center, the ability to withdraw money from their account if the card is lost (even abroad), and also make monetary transactions via telephone or email.

Sberbank can independently send a request under special conditions if you have successfully used other financial products: “salary” card, credit programs or have a current deposit.

Requirements for the designer

• Passport of a citizen of the Russian Federation
• Age – from 21 to 65 years inclusive
• Availability of a certificate from the place of work indicating the salary
• Copy of work book

You won’t be able to apply for a credit card online; you must go to the bank in person. If you fill out a form on the website, the decision will be preliminary. Bank employees at the nearest branch can approve the application and issue the plastic card. Processing time is from 7 to 21 working days.

Activation takes place at the bank - the employee makes the necessary settings. The card becomes valid after 24 hours.

Tariffs and conditions

Choose the payment system correctly. VISA works flawlessly with dollars, while MasterCard respects euros more. Any plastic works flawlessly both in Russia and abroad.

VISA and MasterCard Gold credit cards offer the following rates:

• Plastic validity period – 3 years
• Currency – rubles
• Credit limit up to 600 thousand rubles
• Grace period – up to 50 days
• Interest after the grace period – from 24 to 28% per annum
• Maintenance cost – up to 3,000 rubles per year (for regular customers provided free of charge)

Unlimited cash withdrawals are not provided - the commission will be 3-4%, and maximum amount will be 300,000 rubles.

How to use?

Customers pay for goods and services with Sberbank credit cards, after which a purchase report is sent by email. You can repay the entire amount or leave the loan with interest for the next month.

The amount of the minimum payment is also set by the bank in the report and depends on the interest rate. You can pay off in several ways:

• Transfer from a Sberbank account or debit card
• Payment via terminal
• Using services: MoneySend or VISA Direct
• At a bank branch through a cash desk

Available to every client mobile app And Personal Area on the Sberbank Online website.

In order not to pay interest, you must meet the grace period, which allows you to use it for free. credit funds. It varies from 20 to 50 days and is set by the bank during the plastic processing process. The client must pay the full amount of the debt within the specified period.

Customer loyalty program

The benefit of using the card is to receive bonuses from the bank, a kind of cashback credited to a separate account - the “Thank you from Sberbank” program.

When a client pays for purchases, cafes and restaurants, up to 10% of the amount is charged. Bonuses can be spent at partner companies. 1 point = 1 ruble.

Good to know

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• On disclosure of information about the status of a tax resident of a foreign state:

Sberbank offers a large selection of card products for its clients. The Sberbank Visa Gold card, which can be debit or credit, stands out from the privileged category.

Visa Gold can be not only a debit card, but also a credit card

The Sberbank Visa Gold debit card provides special advantages and privileges to its holder:

• Currency: rubles, euros, dollars.
• Electronic protection chip.
• Possibility of obtaining additional plastic cards, including for a child over 7 years old.
• Action of the “Thank you” bonus program.
• Cash withdrawal and service under the same conditions in the country and abroad.
• Discounts and promotional offers everywhere, incl. Abroad.
• Issuance within the framework of a salary project.

Requirements for the client to issue a Gold Card

To be able to use this product, you must be an adult, a citizen of Russia and have registration. If the last two points are not observed, the issuance of plastic is also possible. In this case, the bank makes a decision individually. The issuance procedure is as follows:

1. Visit the office or apply online.
2. Show the employee your passport.
3. Fill out an application.
4. After receiving consent (no more than 2 days), sign the agreement.

Features of gold cards of different payment systems

When submitting an application online, the client is invited to the office to sign the necessary papers. If you want to receive a product with an exquisite, unique and original design, you only need to submit an application online.

Cash withdrawal conditions and card benefits

Terms of use of the debit card product

Servicing the product costs 3 thousand rubles per year, it is issued for 3 years, after which you can close the account, get a similar product or renew the contract for an existing one. You can replace an existing card, including ahead of schedule, without applying a fee.

For large clients Sometimes the disadvantage is that the card has a limit. For a Gold card it is equal to 3 million per month or 300 thousand rubles per day. If you exceed the daily limit, commissions will be deducted on transactions. It will be 0.5% in bank services and 1% when using devices of other institutions.

The amount of annual payment for using a gold card

The Sberbank Visa Gold card, the advantages and disadvantages of which for the client are obvious from the above, has many ways to replenish:

• Transfer money through an employee at the operating cash desk. You will need to provide your card or account number. In the first case, you need to confirm your authority with a passport, in the second, you need to know the details regional institution who issued the product.
• From another Sberbank plastic card. It is allowed to use ATMs or terminals of the issuing bank. When connecting the relevant services, the operation takes place via a mobile application via SMS or Sberbank Online.
• Deposit cash into your account through a terminal or ATM (cash-in).
• Transfer from another person's card financial institution. To do this, you will need to provide the details of the bank that issued the plastic, its number, account number and your last name. Receipt is carried out on this day or the next.
• Through the Visa Direct service. Transfers are allowed online (smartphone, Internet), as well as in cash through a terminal or ATM. With the latter, you can use both devices of the issuing bank and other institutions. When completing the procedure, you only need to indicate the card number. The operation takes place instantly. In exceptional situations, delays may occur, but not more than 3 days.

Commission for cashing out funds

Conditions and features of the Sberbank Visa Gold credit card

The benefits of the Gold card also apply to a similar product in the credit category.

The credit card is designed for a limit of up to 300 thousand rubles, and up to 600 thousand rubles. as part of a personal offer. For the use of bank funds, a repayment interest of 27.9% (mass offer) and 23.9% (for clients with a pre-approved offer) is provided. Penalty for late repayment in all cases – 36% per annum.

As part of the mass offer, the bank provides special conditions for clients who have issued a Gold Credit Card since 01.01. until December 31, 2018, – free service during the first year. For everyone else, the same tariff applies - 3,000 rubles. in a year.

It is possible not to pay interest on the debt if you repay it on time. 50 days are given for this. After thirty of them, the bank generates a report and sends it to the client. Knowing his debt, the client can pay it off within 20 days. Also, he may not wait for the report, but pay it any day. If it does not exceed the specified period, interest is not accrued.

Conditions for issuing a gold credit card

The Sberbank Visa Gold credit card, the conditions of which are described above, is subject to registration under the conditions that the client is over 21 years old and has a permanent place of work. Moreover, his work experience must be more than six months at the job where he is currently registered, and more than a year in the previous few years (5). The borrower must obtain the following documents:

• passport;
• certificate 2-NDFL, which contains data for six months;
• papers characterizing the borrower's income according to the form of the employer company (if there is no 2-NDFL);
• certificate of the amount of pension payment for six months (for a pensioner);
• papers explaining the client’s employment.

Scheme on how to use credit funds up to 50 days free of charge

The latter can be any document: a work book, a contract with an enterprise (certified by seals), an individual entrepreneur certificate certified by a notary and other certificates explaining the type of occupation (lawyer certificate, license, etc.).

The stages of issuing a card product are as follows:

1. Visit the branch.
2. Fill out an application.
3. Submit copies of all required papers.
4. Get permission (in 2 days) or refusal.
5. Sign the contract.
6. Get plastic.

Privileges of the Visa Gold credit card

Features of using plastic with privileges

The Sberbank Visa Gold credit card, the advantages and disadvantages of which are quite clear if you study the tariffs and repayment terms, provides more additional features:

• The borrower can enjoy the privileges and discounts that the Visa system provides for all its clients.
• Using remote resources to receive advice, solve problems, conduct operations (Contact Center, service remote maintenance, Mobile bank).
• If the product is lost abroad, the opportunity to receive cash in a short time.
• Payment for housing and communal services, mobile communications, etc. (Autopayment service).
• Connecting a secure system for working remotely (Verified by Visa).
• Payment via ATMs, self-service devices, Internet in the Russian Federation and abroad.
• Several options for replenishing the card, incl. transfer from others.
• The ability to link plastic to online payment systems (Yandex Money).

Figuring out how to use a gold credit card is quite simple. The client will need to present it when paying at retail outlets, enter details for online transactions, or use SecureCode to use secure payments.

Credit terms for card products

To control their transactions, limit, balance of funds and receive other information on the product, the borrower has the right to use any bank services:

• if you subscribe, a report will be sent to your online email address every month;
• if you connect Mobile Banking, messages are sent to the phone number that notify the client about the nature and amount of the transaction that occurred (more about);
• if you receive a password and identifier (login), you can generate a report in Sberbank Online at any time for the period of interest;
• You can contact a Contact Center specialist (more details in the article -), who will provide any information. You will need to provide the card number and perhaps secret code or its details.

How to use a gold credit card? (video)

Presentation of proposals for Gold credit cards at Sberbank.

Conclusion

Most of the benefits of owning a Gold Card can only be experienced abroad. For plastic card holders, there are huge discounts in stores, the opportunity to book hotel rooms, and receive medical care with insurance from a partner company payment system.

In March 2018, Sberbank launched a 50% discount promotion for the first year of using Gold payment cards Visa systems, Mastercard and MIR. This stimulated the interest of bank clients and increased the issuance of gold debits.

Under the new tariff, the monthly commission will be 125 rubles, as opposed to 250 rubles previously. The 50% discount promotion for the first year of service includes all Sberbank Gold cards issued between March 1, 2018 and May 31, 2018, except for Visa Gold “Gift of Life” and Visa Gold “Aeroflot” cards.

The discount on gold card services is a comprehensive offer aimed at improving card products, increasing their attractiveness and accessibility. The Sberbank promotion is interesting both to new clients and to those who have previously used cards of the Classic and Standard categories. The bank notes that the consumer behavior model of clients with classic cards is close to the behavior model of gold card holders. But at the same time, the former are deprived of the preferences that are available to the latter.

In addition to saving on annual maintenance, Sberbank Gold Debit Cards allow you to receive even more Thank you bonuses in individual, most popular categories.

Unlike other banks, Sberbank decided to implement increased “Spasibo” accruals for both new cards and those that were issued earlier. This will stimulate search results by increasing the customer base and reward existing users.

As of the spring of 2018, according to Sberbank statistics, more than 2.2 million people use “golden” plastic. The issuer plans that the new promotion with savings on annual maintenance and increased bonuses will lead to an increase in the card portfolio by 20%.

Applying for a Gold debit card at Sberbank

Sberbank serves clients through a network of offices. To receive a Gold debit card, you must apply through the bank’s website or directly by visiting a branch. This can be done by persons over 18 years of age who have permanent or temporary registration in Russia. The card is produced within a period of 10 to 15 days.

It is possible to get additional card for a person over 7 years of age (with the consent of the legal representative).

Tariffs and conditions

Sberbank issues gold cards of three payment systems: Visa, MasterCard and MIR. Visa, MasterCard cards are equipped with a chip and can be linked to Google Pay / Apple Pay/ Samsung Pay.

Service is provided at the following rates:

Service name		Visa Gold/MasterCard Gold	WORLD Golden
Card account currency		ruble/euro/US dollar	ruble
Main card service	in the first year for cards issued as part of the promotion from 03/01/2018 to 05/31/2018. From the second year 3,000 rubles/100 US dollars/100 euros	RUB 1,500/USD 100/EUR 100	1500 rub.
	from the second year 3000 rub./100 US dollars/100 euros	RUB 3,000/USD 100/EUR 100	3000 rub.
Top up your card account	at the regional bank where the account is opened	no commission
	in another regional bank	1.25% of the amount, but within the range from 30 to 1000 rubles.
Cash withdrawal at cash desks	in Sberbank within the daily limit	no commission
	in Sberbank and in subsidiary banks within the limits exceeding the daily limit	0.5% of excess limit
	in subsidiary banks	no commission	impossible
	in other banks	1% of the amount, but not less than 150 rubles/5 US dollars/5 euros	1% of the amount, but not less than 150 rubles
Cash withdrawal from ATMs	in Sberbank	no commission
	in subsidiary banks	no commission	impossible
	in other banks	1% of the amount, but not less than 100 rubles/3 US dollars/3 euros	1% of the amount, but not less than 100 rubles
Cash withdrawal limits	monthly limit	3,000,000 rub. or 100,000 US dollars or 75,000 euros	3,000,000 rub.
	daily limit	300,000 rub. or 12,000 US dollars or 9,000 euros	300,000 rub.
Transport application		not provided	no commission

Promotion minus 50% for annual maintenance

The annual service savings promotion allows a new bank client to save 1,500 rubles for the first year of using the card (125 rubles per month). From the second year, this service will cost 3,000 rubles (250 rubles per month). The promotion is valid only for the main card with a ruble account.

Promotion of the Bonus Program “Thank You” for Sberbank Gold Cards

In addition to the promotion with a 50% discount on annual service fees, Sberbank gold cards have another attractive feature - increased accrual of bonuses. Thank you. Current bank clients with a Gold category card and new clients can take advantage of this opportunity.

The promotional bonus program is valid from December 1, 2017 to December 31, 2018. Thanks are accrued for expense transactions for purchases or payment for services both in Russia and abroad. in foreign countries.

To participate in the promotion, it is important to pre-register in the “Thank You” Loyalty Program.

Increased accrual of Thank You bonuses is only possible if the holder has made Bonus transactions worth at least 15,000 rubles in the past month. Spending on all Gold category cards owned by one client will be summed up, regardless of the currency of the card account.

If this condition is met, then next month the following will be received as a Reward to the participant’s Bonus account:

• 5% of the transaction amount in the “Cafes and Restaurants” category (MCS codes 5462, 5812, 5814, 5811, 5813), but not more than 2,000 bonuses per month;
• 1% in the “Supermarkets” category (MCS codes 5441, 5451, 5499, 5411, 9751.5422, but not more than 1,000 bonuses per month.

When the threshold is reached Bonus Thanks at 3,000 per month, further accrual will be made at the rate of 0.5% of the transaction amount.

Also, the accrual of 0.5% in the form of bonuses for purchases in other categories and from some Partners in the amount of up to 20% of the purchase price is not canceled.

Accruals occur the same for payments with both the main and additional cards and are transferred to accounts linked to each card separately.

Thank you bonuses are credited within 40 days after the transaction. They must be used as part of the “Thank You” Loyalty Program to pay for goods and services from more than 50 Sberbank Partners. Conversion: 1 thank you bonus = 1 ruble.

Some conditions for issuing and servicing the Sberbank Gold Debit Card

1. The bank may change the terms of service of the card, for example, add or remove some services. In such cases, the client is notified in advance, no later than 15 days.

1. All documents related to transactions performed should be retained. This must be done to resolve certain issues and disputes.

1. An important function is to set limits on various operations (cash withdrawals, payments, countries allowed for using the card) on the main gold debit card and on the additional one.

Also, these limits can be set at the initiative of the bank.

1. There is no return on the debit gold card.

1. It is possible to obtain an overdraft.

True, the list of operations carried out at its expense may be limited.

When using borrowed funds, we must not forget about the responsibility that the client bears in case of violation of the repayment deadlines, and this is the possibility of foreclosure on all of the borrower’s property (with the exception of that property that is not subject to foreclosure).

1. When connecting the card to mobile banking, the holder will receive SMS messages and Push notifications about each transaction made on the card account.
2. Funds on the card account are insured by the DIA.

How to top up a Sberbank card

To top up a debit card Gold bank suggests using one of the following methods:

• through your Sberbank Online personal account;
• through the Sberbank Online mobile application;
• by SMS order;
• at an ATM with a cash withdrawal function;
• at the bank office through the cash desk.

Additional features

Sberbank gold debit card holders can:

• use privileges and discount programs from Visa Intl and MasterCard Worldwide;
• receive round-the-clock advice and assistance through the Sberbank contact center;
• use the emergency cash withdrawal service (available for cardholders of international payment systems);
• link cards to electronic wallets: Qiwi, Yandex.Money and others;
• use remote service services to manage and control your card account (Sberbank Online, Mobile Bank);
• set up automatic payment for the Internet, housing and communal services, mobile communications and so on;
• carry out non-cash payments at self-service devices and via the Internet.

The advantages of the Sberbank Gold Debit Card are:

• minus 50% commission for the first year of service;
• increased accrual of Thank You Bonuses in two categories;
• a wide network of Bank ATMs and accessible remote maintenance services.

At the same time, when applying for a card, it is worth considering that from the second year the cost of service will increase significantly. And in order to receive more bonuses, you should make purchases in the amount of 15,000 rubles, and this program of increased rewards will end in December 2018. That is, all the obvious advantages today will disappear, but there will be a fee of 3,000 rubles for services. Therefore, before you apply gold card It would not hurt for Sberbank to carry out an approximate calculation using the calculator that is offered on the issuer’s website.

This will allow you to more or less objectively assess the benefits of using the Sberbank Gold card. So, for example, if you spend at least 15,000 rubles per month in bonus categories, then in the first year of use the gold card will be more profitable than the classic one.

Today only a lazy person or a person living in the wilderness does not know what a plastic card is. Everyone also knows that there are also so-called golden cards. But not everyone knows what good they are. So, it’s time to tell you in more detail about what gold plastic cards are and what benefits they provide to their owners.

In Russia, the most common plastic cards are Visa and MasterCard payment systems, although Diners Club and American Express payment systems are slowly entering the market. However, this process will not be quick - to create a technical infrastructure with an extensive network of ATMs, ensuring reception of trading network It won’t be easy and it won’t be soon.

So in today’s material we will consider only Visa and MasterCard gold cards, as the most common and well-known to citizens in Russia.

Let's start with the fact that “plastic”, as you know, can be debit (settlement) and credit. Both of them can be Gold class, from both payment systems.

Looking ahead, let’s say that, by and large, the amount of “chips” and privileges that holders receive premium cards, depends not so much on the payment system as on the bank that issued them.

The main reason why payment systems came to the idea that it was time to release premium products was a hidden human need stand out among others. Abroad, the holder of gold plastic is perceived as a VIP person. It was for wealthy citizens that these proposals were primarily developed.

To motivate rich people to become owners of plastic cards, in addition to emphasizing their status, something else was needed. The main advantage was the wide network of payment system partners who provide discounts and gifts to holders of premium products.

Alas, the greatest amount of privileges for gold plastic holders are available only abroad. The chain of discount stores is simply huge. In addition, there are special specific services that have not yet been particularly developed in Russia. For example, the owner Gold cards can book hotel rooms by phone, receive medical services in a minimum amount under insurance from the payment system partner company.

So, if you live in Russia and do not plan to travel abroad, owning a gold card will not provide all the benefits for you. But if you are planning to go at least on vacation to European country, that is, it makes sense to get one “on occasion” in order to save money on vacation and take advantage of free services.

On the territory of Russia, you will also be able to take advantage of special services, discounts and privileges, but this largely depends not on the payment system, but on the bank in which you will issue a gold plastic card.

Naturally, banks, in company with partners, offer either joint co-branding programs or motivate stores to give discounts for “Gold” class clients. A complete list of “freebies” can be found on the website of any bank in the plastic card descriptions section.

IN Lately Bonus programs have become popular with banks - this is when you pay with plastic in stores, and for the money spent, banks award bonuses (or points), which can then be spent in the form of a discount in partner stores.

However, keep in mind that tax office trying to create a precedent: Citibank was presented with a requirement that accrued bonuses are income individuals, from which the bank (as tax agent) would have to withhold and transfer income tax to the budget.

The amount of claims presented is 600 million rubles. It is possible that this unexpected debt burden will be transferred to the “lucky” Citibank plastic holders.

However, in addition to discounts and promotions, there are also quite interesting offers. For example, Citibank has special premises and special VIP service for holders of debit gold cards. And at some airports there are even special VIP departure areas.

Terms of use of the gold card

BUT! for all these “charms” of life you will have to pay well: the issue of the card and the subsequent annual maintenance costs 3,000-3,500 rubles per year. Moreover, regardless of the payment system and bank (although there are advertising offers when some bank offers this service for free). Despite the fact that a regular plastic card costs 400-600 rubles.

Is it worth overpaying for status and opportunities to receive discounts? You decide. It’s another matter if, as part of a salary project, there is an opportunity to issue a card for free, why not take advantage.

In Russia, Gold debit programs have a hidden advantage. Recently, many banks, when considering applications for loans and similar services To confirm your solvency, they ask the question: do you have a gold card from any bank?

How to get a gold card

This is done very simply. Choose the bank where you would like to receive the card. The choice is simple: look at the rates for issuance and annual maintenance (most likely, you will find that all banks have the same ones). Then study the list of discounts, gifts and promotions that the bank offers as part of this program.

Next, just order yourself such a card. This is usually done at the bank office. To complete the application and service agreement, all you need is your presence and a passport. Oh, and a 3,000 ruble commission for issuing a card, which will need to be paid immediately to the cash desk of the credit institution.

Gold products are produced at the same speed as ordinary ones - about a week. As soon as the card is ready, the bank (in theory) will notify you about it and invite you to the office to receive it.

Some banks (for example, Promsvyazbank) provide a service for filling out online applications to receive plastic directly on your website. So you only have to go to the organization’s office once - to receive a card.

Benefits of Gold Credit Cards

IN in this case– it makes sense to get a gold card. Why?

Firstly, you will have access to almost all the privileges provided for VIP clients(an exception may be special programs intended only for holders of debit products).

Secondly, you can get more profitable terms on loan. As a rule, this is a reduced interest rate (usually 4-5% per annum less than the standard) and a reduced commission for cash withdrawals from ATMs (standard commission - on average 4.9%, for gold cards - 2.9%). BUT you will have to pay for all this: the issue and annual maintenance of a regular plastic card costs 400-600 rubles, a gold card costs 3,000-3,500 rubles.

Some banks have a size credit limit depends on the type of card. For standard cards – 30,000-50,000 rubles. If you need more, get a gold credit card. So we are no longer talking about any status of the owner.

Gold Debit Card

Sberbank

The Gift of Life Visa Gold card in rubles is intended for clients who want to help seriously ill children. When registering, half the cost of the first year of service and 0.3% of the purchase amount are transferred to the Gift of Life fund. All bank cards are valid for 3 years, and you will have to pay 4,000 rubles annually for maintenance.

Owners of MTS MasterCard Gold receive points that can be exchanged for free SMS, MMS, and communication minutes. The card is issued in rubles, US dollars and euros. For its maintenance every year you will have to pay 3,500 rubles, 120 US dollars, euros.

With the Aeroflot Visa Gold card, customers have the opportunity to receive free tickets for Aeroflot or Sky Team airlines. The service fee is the same as for the MTS bonus card.

Classic cards Sberbank MasterCard Gold and Sberbank Visa Gold, protected by an electronic chip, are also issued. The service fee is slightly lower than for co-branding ones and amounts to 3,000 rubles.

Gold cards have a wide range of capabilities, but the disadvantages of the gold version are that its cost is much higher than the classic one. For example, for MasterCard Gold and Visa Gold cards you need to pay 3,000 rubles every year, and for classic cards - 750.

VTB 24

The bank offers a multi-currency debit card, which is issued simultaneously in rubles, US dollars and euros. An annual fee of 3,000 rubles is charged for its use, but holders participate in the “Collection” program: for every 30 rubles you can receive 1 bonus.

Alfa Bank

Alfa-Miles card with technology contactless payment PayPass allows you to earn miles and then use them to book hotels, flights and train tickets. Plastic card holders withdraw funds from ATMs abroad without commission. The product is released free of charge, but the service fee is 3,500 rubles per year.

The Aeroflot card is suitable for customers who use the services of Aeroflot and Sky-Team companies, and the S7 PRIORITY card is suitable for S7 airlines and Oneworld companies. Accumulated miles can be exchanged for a free flight. Aeroflot's service fee reaches 2500-3500 rubles per year, and S7 PRIORITY - 349-799 rubles (and 450-550 rubles per issue).

Classic Alfa-Bank Visa Gold and MasterCard Gold cards are issued as part of the “Comfort” or “Maximum” packages and are serviced free of charge. They allow you to withdraw money abroad without commission (limited).

Russian Standard Bank

“Bank in Pocket Gold Promo” is issued at the initiative of the bank for a period of up to 5 years. Conditions: it can be issued in rubles, and there is no fee for using the card in the first year. The balance of funds is charged 12% per annum, and when paying for purchases, up to 10% of the cost of the funds spent is returned to the account.

By signing up for “Bank in your pocket Prestige” with a Travel Premium card, you can accumulate points and use them to pay for travel expenses. It is issued for 5 years, and the maintenance fee reaches 3,000 rubles annually. Miles & More Visa Gold Debit Card holders can take advantage of the Miles & More program and exchange miles for Lufthansa Group airline tickets.

Review of credit cards

Sberbank

At Sberbank you can get a Visa Gold “Aeroflot” credit card, Visa Gold “Gift of Life” and classic Visa and MasterCard Gold. The advantages of the Aeroflot program are contactless payment technology and a bonus program that allows you to exchange miles for air tickets. Interest rate on all credit products bank - 21.9% -23.9% per annum. A grace period of up to 50 days and a limit of up to 600,000 rubles are provided.

VTB 24

“VTB24 Transaero”, “VTB24 Yakutia” and “VTB24 World Map” are also intended for travelers. When you make purchases, you earn miles that can be redeemed for air travel. And the VTB 24 Russian Railways Visa product allows you to get premium trips on the trains of JSC Federal Passenger Company and Sapsan.

“VTB24 Impression Card” MasterCard and “VTB 24 Autocard” are interesting because when paying for purchases, from 1% to 3% of the amount spent is returned to your account. With the Collection program you can exchange bonuses for gifts, pay for hotels, air tickets and bank commissions.

The cost of registration and monthly servicing of VTB 24 credit cards is 350 rubles. The credit limit reaches 750,000 rubles, money can be used at a rate of 26% per annum (at classic maps– 28% per annum).

Alfa Bank

Gold credit cards are presented with a limit of up to 300,000 rubles and a grace period of up to 60 days for co-branded cards and up to 100 days for classic ones. Interest rate on affiliate programs– 23.99% per annum (standard – 24.99%), cost of maintenance – 3250-4000 rubles per year.

Among the partner cards, “Alfa-Miles”, “Aeroflot”, “S7 PRIORITY” and “Anywayanyday” stand out (up to 7% discount when paying for air tickets and hotels). The bank also has the classic “100 days” options MasterCard Gold and Visa Gold with a grace period of up to 100 days. Minimum size The rate is 23.99% per annum, an annual commission of 3,000 rubles is charged.

Alfa-Bank also offers unique program“Gemini” with a limit of up to 300,000 rubles and a grace period of up to 100 days. One side of the card is credit, the other is debit. To use the credit side, the client must pay 1990 rubles per year. Money is issued at 23.99% per annum.

Russian Standard Bank

The bank offers a line of credit cards from American Express, MasterCard and Visa payment systems with additional benefits. Owners of plastic cards can accumulate bonuses and exchange them for flights, goods and communication services, as well as participate in joint promotions with program partners.

The maximum limit for almost all “Gold” programs is 750,000 rubles, the grace period is up to 55 days. Interest rate – from 19.9% ​​per annum.

This card is international and can be issued in various currencies, including rubles, euros, and dollars. The conditions for using such cards are the same for both those who use them on the territory of the Russian Federation and those who pay with this card outside the country. The MasterCard Gold card from Sberbank provides special privileges for its owner, including more high level services than for holders of standard cards, a higher level of security, as well as the opportunity to use various bonuses and special programs, the terms of which you will learn before the card itself is issued to you.

Currently, the Mastercard Gold card from Sberbank is issued in two versions: a debit card, which allows its owner to use only a positive account balance, and a credit card, the owner of which can at any time receive a small loan on preferential terms.

Advantages of Mastercard Gold Sberbank

The Sberbank Mastercard Gold credit card, as well as its debit counterpart, has a lot of advantages. These include:

• Low cost of servicing the card itself.
• Opportunity to receive a custom-designed payment instrument.
• Possibility to issue an additional card, including a card for a child over 7 years old.
• The opportunity to use various privileges available to members of the Mastercard payment system.
• Availability of a grace period on the loan, valid for 50 days from the date of withdrawal of money from the card.
• Availability of mobile banking, which can be used by those who registered credit card, as well as those bank clients who were issued a debit card.
• Connecting such a card to various bonus programs, allowing you to save money, including “Thank you from Sberbank”.
• Simple conditions for receiving and fast processing cards for each client who has chosen Sberbank.
• The opportunity to receive a significant credit limit on such a card for those who have been served by this bank for quite a long time, without additional documents, confirming solvency.

If we talk about those features of working with this means of payment that Sberbank clients usually do not like, then these include a rather large percentage for using the credit limit outside the grace period, the presence of a commission when withdrawing cash (it is more profitable to pay with this card if you prefer cashless payments in shops). However, if this means of payment is used correctly, no problems arise with it.

How to apply for a Sberbank plastic card

A MasterCard Gold card from Sberbank can be obtained by almost all clients of this financial institution. In order to obtain it, you need to have citizenship, as well as permanent registration Russian Federation, as well as age from 18 years (if we are talking about the main card). To map Mastercard Gold was issued to you from Sberbank, you must proceed as follows:

• Apply with an application to any branch of Sberbank itself. You can also apply for a card online by visiting the bank’s website (this is necessary if you need a card with an individual design).
• Show your passport to the bank representative. If you need a Sberbank MasterCard Gold credit card, you also need to submit your identification document. If the expected credit limit on such a card is high, and you have not previously received credit from this bank, it is advisable to provide a certificate of income from work. If you were already serviced by Sberbank by salary project, there is no need to provide these papers.
• Sign the application for the card at the branch.
• After 2 days, the bank will make a decision, of which you will certainly be notified.

It is also important to note that credit card Sberbank may be offered to you by bank employees when you apply for your salary. Don't miss this chance to get your first privileged card without additional contact with the bank.