Sberbank gold credit card - how to get it. Gold card "Sberbank of Russia": we will discuss all the pros and cons of the product What is the percentage of a gold credit card of Sberbank

Sberbank, the largest Russian bank, provides a wide range of services to the population. Among the variety of credit cards issued by them, the "Golden" credit card of Sberbank is popular. What is the difference from the classic one? What options does it have? Let's consider further.

"Gold" credit card of Sberbank: what is it, how to use it?

Sberbank clients tend to open a "Golden" credit card, because it has advantages.

Namely:

The contact center is serviced round the clock;

Safely protects money with a chip;

Can be restored to any country in the world;

Participates in the "Thank you" bonus program, as well as in promotions periodically held by MasterCard and Visa payment systems;

Allows you to connect the recurring payment option, which will automatically be triggered every month on the specified date;

Can be replenished in various ways;

Allows you to track the movement of funds yourself remotely - using Internet banking or a mobile application;

Allows you to conduct cashless payments both in Russia and abroad.

Credit card terms

Maximum credit limit - 600 thousand rubles;
Interest rate - no more than 33.9%;
Valid for 36 months;
Grace period - 50 days;
Annual maintenance - 3 thousand rubles;
The mobile bank is connected free of charge.

The Sberbank Zolotaya credit card is available in several types: MasterCard Gold, Visa Gold, Visa Gold “Give Life” and Visa Gold Aeroflot. Each of them has its own pros and cons that relate to terms of use and privileges.

For example, an Aeroflot credit card accumulates miles when making a non-cash payment. You can later buy air tickets for them. In case of non-cash payment with plastic "Give Life", 0.3% of the amount spent is credited to the fund to help children with cancer.

It is thanks to these advantages and conditions that the Sberbank Zolotaya credit card is in demand among users.

Requirements for clients and documents

Be between the ages of 21 and 65;
Be registered in the region where the bank branch is located;
Have a total work experience of 1 year in the last five years, and continuous work experience at the last place of work equal to 6 months.

Note!

To get a credit card, you can apply either at the Sberbank branch at your place of residence, or on the bank's official website on the Internet. The ability to submit a request for plastic remotely is a big plus.

But, even if the application is submitted via the Internet, the bank branch will still have to visit in order to submit the necessary documentation. These are the conditions of Sberbank. Few know about this minus.

The credit limit, like the annual interest rate, is determined individually for each client. According to the conditions of the bank, in order to receive the maximum amount of money at a low interest rate, one should either have a deposit account with Sberbank, or receive a salary on the card. Also, the amount of the loan is influenced by the size of the applicant's monthly income and credit history.

Credit card terms

You can use a credit card in Russia and abroad. When cashing out funds abroad, an automatic currency conversion takes place, according to the exchange rate of Sberbank.

Good to know!

You can withdraw cash from a "Golden" credit card at cash desks and self-service devices of Sberbank and third-party banks. According to the lender's terms, at Sberbank ATMs, the commission for withdrawing funds is 3% of the amount, and at ATMs of other banks - 4%. A maximum of 300 thousand rubles can be withdrawn per day.

The main condition is cashless payments. If the money is cashed, then you should not count on their interest-free use. Compared with the conditions of other banks, this is a minus.
If your credit card is lost in Russia or abroad, you can use the emergency cash withdrawal function without a card.

Credit card pros and cons

Among the advantages are:

Possibility of contactless payment;
High level of protection;
Large credit limit;
Free use of a mobile bank;
A grace period of 50 days;
Accessibility to the general population, as well as to customers of different age categories;
Opportunity to participate in Visa and MasterCard promotions.

Among the disadvantages are:

High annual interest rate;
High maintenance cost;
The need to pay a commission when cashing out funds;
No grace period when withdrawing funds.

Holders of Gold credit cards have the opportunity to use Internet banking, due to which they control the movement of funds on the account and make non-cash transactions.

Debit "Gold" card: terms of registration and use

The key advantage of plastic is the availability and opportunity to participate in various bonus programs, as well as promotions of MasterCard and Visa payment systems.

A "gold" debit card differs from a credit card in a simpler design. So, a citizen of Russia who has reached the age of majority and has a permanent residence permit can receive it. Under the terms of the bank, non-residents can also receive plastic, but not always. This is a minus of the banking product.

Note!

To obtain a "Gold" debit card, an applicant should visit the Sberbank office or submit an online application on the bank's website. An exception is the "Gold" card of the MasterCard payment system, which cannot be issued remotely. Users consider this a disadvantage.

Having issued a debit plastic, the owner has the right to open additional ones by linking them to the account. They can even be issued to children over 7 years old. The cost of such a service is 2.5 thousand rubles.

The advantages of a "Gold" debit card include:

Discounts and special offers from Sberbank partners;
24/7 support;
High protection of funds in the account;
The ability to use it anywhere in the world;
The ability to withdraw money without its availability.

The disadvantages of a debit "Gold" card include an expensive annual service, which is not available to the average citizen of Russia.

Co-branded "Gold" credit cards: types and conditions

1. Aeroflot;
2. "Give life."

Cards that are issued jointly with their partners are called combining cards. They have features and advantages in comparison with other "Gold" cards of the bank. Co-branded products are issued on a special offer or on a general basis.

"Gift a life"

The cost of annual maintenance is not fixed, it ranges from 0 to 3.5 thousand rubles. The plastic is issued by the Visa payment system. More detailed information on the terms of use of the "Gold" credit card can be found on the official website of Sberbank.

Aeroflot

The cost of the annual service is 3.5 thousand rubles. According to the terms, the minimum annual rate is 25.9%. The card is issued by the Visa payment system. The co-branded "Golden" credit card Aeroflot from Sberbank has good user reviews on the Internet, because it is practically devoid of drawbacks.

Good to know!

The Aeroflot Gold Card is accompanied by a paid service. But under the terms of the bank there is an exception. These are verified clients, salary clients and holders of a deposit account, to whom a credit card is provided free of charge.

But considering that many people use Sberbank's services, a large number of customers will get the Aeroflot Golden Card free of charge. This condition can be attributed to its advantages.

The gold credit card is popular among Sberbank customers because has a long grace period and is not expensive to maintain.

Before issuing a card, find out what it is, how to use it, all the pros and cons of a gold credit card.

In this article, we will take a closer look at whether it is worth applying for a gold card from Sberbank.

The card is issued (issued) by payment systems - Visa, MasterCard and Mir.

General conditions and tariffs are the same for all payment systems:

• Validity period - 3 years;
• Currency - rubles, in dollars and euros - not issued;
• Annual service: if there is an individual offer from the bank - free of charge, if there is none - 3,000 rubles a year;
• Grace period - up to 50 days;
• Re-issue - free; replacement of the card in case of its theft, loss, data change - free of charge;
• Interest rate: for the privileged category of holders with a pre-approved offer - 23.9%, for the rest - 27.9%;
• In case of overdue payments, the interest rate rises to 36%;
• Maximum limit: at the suggestion of the bank - up to 600 thousand rubles, on general terms - up to 300 thousand rubles; the individual limit is calculated based on the solvency of a particular client;
• Cash withdrawal commission - 3% of the amount, at least 390 rubles;
• The limit on cash withdrawals through a Sberbank ATM is 100 thousand rubles. per day, through the cashier - 300 thousand rubles;
• The minimum monthly installment is 5% of the debt;
• Providing SMS-informing, access to the Sberbank Online system, the Mobile application - free of charge.

Bid

Grace period

Credit limit

• When opening a savings account "For every day", interest is charged on the balance of funds: for salary clients up to 5.5%, for other clients up to 4.5% per annum, depending on the amount;
• There is no commission for replenishing the account, for withdrawing cash from ATMs of Raiffeisenbank and partners;
• Commission for withdrawing cash through other banks - 1%, at least 100 rubles;
• Cash withdrawal limits: 200 thousand rubles / day, 1 million rubles / month;
• Option for SMS notifications 60 rubles / month;
• You can make transactions up to 6 million rubles per month.

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How to get a card

To open "gold" plastic from Sberbank, the client must meet the following parameters:

• Age from 21 to 65 years old.
• Russian citizenship, permanent or temporary registration in the area of ​​the territorial bank.
• Official employment and proven monthly income.

You can submit an application through Sberbank Online or apply with a passport to the manager at the bank branch.

Applying online is more convenient. In the system, you can find out about the availability of an individual offer, select the loan product you are interested in, indicate the desired limit. If the card is pre-approved, it will be issued automatically; you do not need to visit the office additionally.

If the card was not approved in advance by you, then you need to go to the department and take your documents with you:

• Passport;
• For salary clients - a card;
• For the rest of the category of borrowers: a certificate in the form of 2-ndfl for 6 months, a copy of the work book, certified by the employer.
• For pensioners - a certificate of the amount of pension issued by the territorial office of the Pension Fund.

Consideration of the application takes about 2 days. If approved, the card is issued and delivered to the bank branch indicated in the application. Depending on the territorial distance, delivery takes up to 14 calendar days.

The bank does not issue a card to all customers. Who has a great chance of getting it:

• Holders of salary or pension cards of Sberbank;
• The borrower of the bank, after receiving a consumer or mortgage loan;
• A bank depositor with an active movement of funds on the account;
• Holders of personal cards with cash flows.

Having a good credit history also favorably affects the formation of an individual proposal. Sometimes, in order to get a card, it is enough to issue a small consumer loan for a short period and repay it ahead of schedule. So the bank will be confident in the reputation of the borrower and his solvency.

How to use a credit card

With a credit card issued by Sberbank, you can perform the following operations:

• Payment for goods and services in the trade and retail network. You can pay with the card in any store, restaurant, hairdresser, cinema that has a payment terminal;
• Payment for goods purchased in online stores;
• Payment for utilities through the bank payment terminal or online system;
• Replenishment of the mobile phone account;
• Cash withdrawal via ATM.

All operations, except for cashing out, are free.

To start using the card, no additional steps are required. The limit is loaded immediately upon receipt. You can verify this by dialing the set PIN-code and requesting the balance at the ATM.

Transactions are performed within the approved limit. If it is not enough for a purchase, you can deposit your own funds on the card. It is important to remember that even personal money cannot be withdrawn through an ATM without a commission.

How to increase the money limit on the card

You cannot initiate an increase in the credit limit. On the positive side, the bank analyzes the movement of money on credit cards of its borrowers and their financial condition every six months. With the active use of the card and the absence of overdue debts, Sberbank offers to increase the amount of credit funds.

You can reduce the limit as you wish. The funds on the card will be cut to the level specified in the application issued at the bank branch.

Remember the safety and security of funds on the card

For all operations performed with a credit card, SMS informing is received. This is important when making payments over the Internet. The received code should not be disclosed to anyone, especially if the holder did not take any action. In this case, it is better to block the card by calling the contact center and reissue it.

How the grace period works

You can use a credit card absolutely free. To do this, you need to understand the mechanism of the grace period and be able to calculate it.

1. - this is the number of days established by the bank during which the borrower can return the funds to the card without interest. In Sberbank, it is from 20 to 50 days and depends on the date of the credit card report.
2. The report date is the day of the month in which the card was issued. It is indicated on the PIN envelope, in the card report, in the detailed information in the personal account. You can also contact the 24-hour contact center.

According to the agreement, the grace period for a Sberbank credit card is calculated as 20 days from the date the report is generated. If you use the money the next day after this date, then the scheme looks like this: a month until the next report plus a fixed 20 days. This is the most profitable option, the interest-free period is 50 days.

Every day, the period is reduced (49 days if 2 days have passed from the date of the report to the purchase, 48 - if 3, and so on). The most inconvenient option: the payment goes through today, and tomorrow is the date of the report, the money will need to be returned in 20 days.

The grace period is valid only for non-cash payments. When cashing out through an ATM, interest is charged immediately.

And one more thing: if the borrower did not meet the grace period and contributed only part of the funds, interest will be charged for the entire period of using the borrowed funds, even if there was a non-cash write-off.

The payment date is calculated according to the same principle. If this is not taken into account, you can get into a difficult situation with large expenses. It is not always possible to deposit the entire amount at once after a short period of time.

How to pay off debt

You can top up a credit card without a commission:

• Cash via ATM;
• Cash through the cashier;
• Cashless from a Sberbank debit card.

The cashless method is more convenient, it allows you to make a contribution without leaving your home. To do this, you can use the help of Sberbank Online (operation "transfer from card to card"), the mobile version through an electronic device (tablet, phone), or send an SMS to the number 900 (text " transfer 1111 2222 1000", where 1111 - the last 4 characters of the debit card number, 2222 - the last 4 digits of the credit card number, 1000 - transfer amount).

10 days before the payment, an informational SMS message is sent to the holder's phone, indicating the minimum amount that must be repaid and the date by which the money must be deposited.

The minimum payment is calculated as 5% from the amount of debt. As the debt decreases, the payment also decreases. In fact, the repayment schedule can be stretched indefinitely.

The number in SMS is minimal and indicative. The sooner the debt is repaid, the less the final overpayment will be. By contacting the bank's employees, you can manually draw up an individual payment schedule, choosing the optimal period and amount of monthly contributions, not less than required 5% .

You can quickly monitor and find out the amount of debt in the following ways:

1. Order a report on the card by e-mail;
2. In your personal account Sberbank Online;
3. Through a mobile application;
4. In an SMS message by sending the command “ Duty»To the number 900 .

Pros and cons of a gold card

A gold credit card from Sberbank has undoubted advantages:

• return to the card upon payment before 20% ;
• free remote maintenance services;
• no annual special offer service.

There are also disadvantages:

• high annual service, in the absence of an offer;
• no bonuses;
• you cannot issue an additional card;
• high commission for cashing out;
• you cannot make a wire transfer to a debit card.

Output

• A gold credit card is an advantageous offer for those who want to have a "spare wallet" in their pocket and emphasize their status.
• Skillfully using the bank's tools, you can get out of difficult financial situations without loss and earn a good credit reputation.
• Those who receive a salary from a savings bank or simply actively use the services of a bank and keep money there have great chances of getting a card.

Sberbank of Russia has long been the leader in issuing credit and debit cards on the market.

Many Russians who use entry-level and classic bank cards are thinking about purchasing "gold" plastic.

What is the bank ready to offer to its customers, why is the Sberbank gold card so good, what are its pros and cons?

Benefits of Gold category plastic for salary clients

Many receive a card only upon an individual offer from a bank- in the presence of a deposit on the accounts, or active and careful use of credit products.

"Gold" cards are issued sole proprietorships, employees of salary-serviced enterprises, general directors and, in general, clients with a confirmed high income.

NOTE! The Gold card is issued and serviced free of charge according to an individual offer from the bank.

The "gold" category allows its holder to use an extended package of bonuses and privileges. Among them are increased, insurance when traveling abroad, and the possibility of urgent withdrawals in a foreign country in the event of a sudden loss of the card. And this is only a part of the bonuses.

On the pages of our site, you will also find out how and how beneficial his offers are!

Credit offers

A "gold" credit card from Sberbank is a clear indicator that you have succeeded as a client.

Such plastic is offered only to loyal payers who closed more than two loans without a single delay, or to persons who receive a salary of more than 50 thousand rubles a month.

And also Gold is given to holders of deposits, the amount of which exceeds 500,000 rubles.

To receive a card issued according to an individual offer from a bank, no income or employment proof required- it is enough to sign a loan agreement and activate the plastic.

If you are applying for a “gold” credit card “off the street” and you are not a client of Sberbank, you should not count on these conditions. And the income will have to be confirmed.

Service: 3,000 rubles per year... Service grace period: yes, up to 50 days.

Credit limit: up to 600,000 rubles (for new clients, a limit of 100-200 thousand is set, with the possibility of increasing).

The rate for the use of borrowed funds: 25.9% per year (19.9-21.9% for existing clients).

Requirements for the borrower: age 21-65 years, permanent residence in Russia, work experience in the last place - at least 12 months.

Features and benefits of debit cards

For those who want to receive bonuses, have an increased one and receive interest on their account balance, gold debit cards are suitable.

Advantages: extended package of privileges, convenient management, quick crediting of funds, replenishment of the account by SMS, the ability to create an image of a loyal client for lending large amounts in the future.

disadvantages- annual service fee.

Gold plastic is an indicator of your well-being, and will become one of the tools for confirming the solvency when lending to another bank.

Those who often travel abroad will enjoy the opportunity to exchange currency between accounts at a preferential rate.

The cards have three accounts: rubles and dollars for Visa, rubles and euros for MasterCard. In addition to one account, you can open up to 5 cards, including for children from the age of 7 years.

Service: 3,000 rubles a year.

Contactless payment: yes, for Visa.

Bonuses, privileges, annual service cost

Surely you have already become interested - what bonuses and benefits does Sberbank offer to holders of gold cards- Let's see:

• free insurance for those traveling abroad;
• the opportunity to apply for a link to the "Give Life!" a card from each purchase, according to which funds will be transferred to the fund for children with oncology;
• preferential health care;
• discounts in more than 20 thousand shops, restaurants, hotels (information about them can be found on the sites of payment systems);
• additional protection of funds on the account;
• participation in the "THANKS" program - collect points by paying for purchases and entertainment from partners;
• emergency issue of money in case of loss of the card abroad.

USEFUL TO KNOW: Withdrawals from ATMs of Sberbank are commission-free, the card can be linked to electronic wallets.

And finally - "Gold" card is a privilege from the bank for beloved clients... It's nice to get an extended list of bonuses for free, or a pre-approved plastic with a limit of up to 600 thousand.

Conditions for obtaining, how to apply online

You can issue a "gold" card, provided that you meet the requirements set by the bank for this category of plastic.

At first, permanent registration in the Russian Federation is required(to persons without citizenship or those who do not have a registration, the product will be denied).

Secondly, age - from 21 years, presentation of documents (passport, income statement and copies of work book), if you are a new client.

There are two options for how to order and receive a "gold" Sberbank card:

• leave a request for manufacturing on the website online;
• fill out an application at a bank branch.

The first is more convenient and mobile, especially for those who have a Sberbank personal account. You just need to enter it, select the type of card you are interested in and click the "Order" button.

After the plastic is made, you will receive an SMS notification, and the card can be picked up at the department.

The second option is go to the nearest Sberbank office, and leave an application for making a card there. It will take no more than 15 minutes.

The bank makes a decision on the issue within 2-3 days and produces a personalized gold card. Immediately after its transfer to the desired office, you will receive an SMS stating that you can approach and receive a card.

The card is kept in the department for 30 days, if during this time the client does not take it, the plastic is destroyed.

If you left an application for a debit card, you will need to present your passport and a second document; on a credit card - a passport, a second document, an income statement and a copy of an extract and work book.

Terms of use

Before using your new card needs to be activated.

To do this, you can wait until the bank itself performs the operation (within 24 hours from the moment you sign the service agreement) or conduct the first transaction using a PIN code.

Branch managers assist customers with self-activation which usually uses an ATM or payment terminal.

An annual service fee is paid to the card account and at the same time it is activated. After that, you can pay for her purchases in stores, shopping centers, the Internet, withdraw cash and make transfers.

ATTENTION! For "gold" cards, all transactions must be confirmed with a PIN code, which is issued along with the plastic.

Plastic is a fragile thing, you need safeguard your debit... Do not damage the magnetic stripe, do not give the card into the wrong hands.

If you lose your card or PIN-code, immediately call the Sberbank hotline and block it.

Replenishment, withdrawal of cash

To use your new payment method, you need to top up your bank account.

This can be done in the following ways:

• transfer funds via a mobile bank via SMS;
• deposit them through an ATM or payment terminal;
• top up an account at a branch at the checkout;
• make a transfer from another bank;
• withdraw cash to a card from an electronic wallet.

There are already funds on the credit card, but every month you will need to make payments on account of the debt.

The easiest and fastest, given the huge number of them, is to deposit money through an ATM with the function of accepting cash.

To do this, insert the plastic into the device, enter the PIN code and select "Account replenishment". Enter the required amount and insert the bills into the receiver.

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.

What is a Sberbank gold card

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 the

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 bank branch or fill out a form remotely on the official website, here you do not need confirmation of income and a permanent job, because the owner will use only 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, card re-issue after expiration 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.

31.08.2017 0

Sberbank of Russia is one of the largest banks in the country. Today, its clients use a large number of banking services of different directions. However, the most demanded is the registration of a plastic card to pay for goods and services of different values. The Golden Card of Sberbank (Gold Visa, MasterCard) deserves special attention - what is it, what are its positive and negative aspects? We propose to understand these nuances in more detail.

Visa Gold from Sberbank - what is this card?

A large number of users are wondering what a Sberbank gold card is, what are its characteristics and how it is beneficial for the owner.

Well, to begin with, it belongs to the category of "elite". Sberbank does not offer the Gold Card to every user, but only to respectable borrowers and active depositors.

The gold card is beneficial for several reasons:

1. In the Sberbank Contact Center, it is serviced around the clock.
2. Due to the electronic chip, the money on the card is well protected.
3. If lost, it can be restored from any country in the world.
4. The gold card can participate in the "Thank you" bonus program from Sberbank.
5. It is possible to connect the "Auto payment" function.
6. If you need and want to control the flow of finances, you can use the services of the Sberbank Online and Mobile Bank systems.
7. Holders of the Sberbank gold card can participate in the privilege and discount programs run by MasterCard and Visa.
8. There are several ways to fund your account.
9. With such a card, you can pay for services and purchases not only within Russia, but also far abroad.

A logical conclusion suggests itself that this card is suitable for those who travel a lot to European countries. Sberbank's gold card anywhere in the world will allow you to get a discount on hotel accommodation, food in restaurants, air tickets and other services.

Sberbank gold credit card

A bank credit card allows you to use not only your personal funds, but also borrowed funds. Along with that, all the privileges that one or another type of product used remain in force.

Credit Gold card of Sberbank (Gold Visa, MasterCard) - what is it?

Today, Sberbank issues four types of gold cards. It:

• MasterCard Gold card.
• Visa Gold card.
• Gold visa "Give life".
• Gold Aeroflot visa.

And they are used on the following conditions:

• the maximum loan amount can be 600,000 rubles;
• the interest rate does not exceed 33.9%;
• the duration of the action is three years;
• the duration of the grace period is 50 days;
• connection to the services of the Mobile Bank is free of charge;
• the annual service cost is 3,500 rubles.

The main difference between them is that the MasterCard and Visa systems differ in bonus programs and privileges. For example:

• Sberbank Visa Gold credit card Aeroflot allows you to make profitable purchases and earn miles, which can be exchanged for airline tickets of this company;
• Visa Gold card "Give Life" involves the transfer of funds to a charitable foundation. Typically, the contribution is 0.3% of the funds spent by the user.

How to get a gold credit card?

In order to apply for a Sberbank credit card, you must meet the requirements:

• age should not go beyond 21 - 65 years;
• have a residence permit in that region of applying for a loan;
• work experience cannot be less than a year, and at the last place of work - at least six months.

The questionnaire is filled out both at the bank branch and online. However, in any case, you will need to come to Sberbank and provide:

• passport of a citizen of the Russian Federation;
• a certificate issued in the form 2-NDFL;
• a copy of the work book.

The submitted application will be considered within two working days. And the maximum possible credit limit and the interest rate on it, the lender determines on an individual basis.

Only:

• holders of salary cards;
• bona fide borrowers,
• active contributors.

Along with that, the past credit history, in conjunction with the monthly real income, is necessarily studied.

What does the Visa Gold card provide?

Having a Sberbank gold credit card, all standard options open up in the form of the ability to pay for goods in all stores in Russia, abroad and in the Internet space. In the case of overseas purchases, the conversion into euros and dollars occurs automatically.

With a gold credit card of Sberbank, money can be withdrawn from ATMs of any bank. The native Sberbank commission is 3%; ATMs of other banks will charge 4% for cashing.

The limit for cash withdrawals from a Sberbank gold credit card is 300,000 rubles per day.

The grace period for using a credit card is 50 days. During this time, you can return the entire amount taken without paying interest. However, this does not apply to cash withdrawals. It is characteristic that it is possible to withdraw credit funds from a gold card even if it is lost (in Russia or abroad).

Pros and cons of a gold card

The main advantages of a gold card from Sberbank are as follows:

1. Contactless payment technology is supported.
2. A high level of protection is provided.
3. The limit is high.
4. Free Mobile Banking is available.
5. There are bonus programs from the worldwide MasterCard and Visa systems.
6. The grace period is 50 days.
7. Issued to clients of different age groups.

Negative features of the Sberbank Gold Card:

• a high limit on the loan rate has been set;
• annual service is more expensive than other cards;
• interest-free cash withdrawal on transactions - absent.

Sberbank gold debit card

The next question for consideration: a debit gold card of Sberbank - what is it, what advantages does it have? The card provides good protection for personal savings and a number of other useful advantages, both from the bank itself and from the MasterCard and Visa systems. At the same time, it remains available in design for anyone.

How to get a gold Visa and MasterCard?

The list of prerequisites consists of two points:

1. You must have a permanent or temporary registration of the Russian Federation.
2. Be at least 18 years old.

At the same time, the possibility of issuing a product to foreign citizens is not excluded. The bank reserves the right to make this decision.

To apply for a debit card, you can personally appear at a bank branch or submit an application through the online service. It is not required to present income certificates and other proof of solvency. Details are on the bank's page.

At the moment, you can leave on Visa and MasterCard Gold cards.

Holders of a Sberbank gold debit card have the right to additionally issue other cards. Moreover, any citizen of the Russian Federation who is 7 years old can become such a user. This service is paid. The activation amount is 2,500 rubles, and the annual maintenance costs 3,000 rubles. At the end of the validity period, the card can be restarted at no additional charge.

Advantages and disadvantages

There is a reason to start by listing the disadvantages. They come with a high annual maintenance cost. In all other respects, only advantages can be traced. It:

• the opportunity to receive discounts and privileges from banking partners;
• the opportunity to use the hotline support around the clock;
• good savings protection;
• the ability to use the card not only in Russia, but also abroad;
• the ability to issue an additional card;
• in case of theft or loss of the card, funds are issued on an emergency basis.

Who can access gold cards for free

The Sberbank gold card is considered very attractive for any client, however, the cost of service stops in registration. As a regular customer of the bank, there is every chance to issue a Gold card for free and keep it free of charge as well.

The loan, issued by Sberbank on a special offer, assumes a reduced rate - from 17.9 to 23 per cent per annum.

Such an offer can only be received by those clients of Sberbank who:

• receive salaries through Sberbank;
• took loans here earlier and repaid them successfully;
• previously opened personal deposits.

In order to get the gold card for free, you must:

• receive a personal offer from the lender;
• personally visit a branch of Sberbank;
• provide the proper package of documents.

For non-wage clients, the list of securities includes a certificate of income and confirmation from a permanent place of work.

Co-branded gold cards

A series of Sberbank gold cards has included co-branded plastic in its line. These are two types of cards:

• "Gift a life";
• Aeroflot.

They are issued not only on generally accepted grounds, but also at the special offer of Sberbank. The Gift of Life card allows its owner to provide assistance to the charitable foundation of the same name. For this purpose, from each amount spent, the bank transfers 0.3% to the fund's account. The minimum loan rate is 25.9 per annum, and the annual service price ranges from 0 to 3,500 rubles.
The card was provided by the Visa system, therefore, it allows its holders to evaluate all the advantages of the services of Sberbank Visa Gold.

The Aeroflot product is suitable for those who often use the services of this airline. There is an opportunity to accumulate miles and exchange them for tickets. The cost of maintenance is 3,500 rubles per year. And the lending rate is 25.9%.

How to order online gold card Visa and MasterCard in Sberbank - details of obtaining

On the page of the official website of Sberbank, complete information is provided on the details and conditions for obtaining a card, as well as a form for an online application for a gold card. In addition, you can find additional information about the gold card of Sberbank (Gold Visa, MasterCard) - what it is, how to issue it - you can in this video.