Credit card "50 days without interest" of Sberbank. Grace period for a Sberbank credit card: an example of calculation Take a card in a Sberbank for 50 thousand

Borrowing from neighbors, relatives, paying off salaries or asking for an extension was popular 20 years ago. Now, instead of neighbors' money, we use bank lending for a moderate fee. In return, basic guarantees of solvency will be required. It is quite difficult to obtain a delay from a credit institution, and for the delay you will have to pay a fine.

What is an installment card from Sberbank?

New opportunities have opened up with the advent of credit cards.

Their use is beneficial:

clients;
credit institutions;
sellers.

The client gets the opportunity to pay for the purchase immediately at the expense of the bank, reimburse the full cost within a few weeks, while not paying anything. A Sberbank credit card with a grace period allows you to use not only a loan, but also an installment plan.

The bank receives its commission from the seller for non-cash payments, in case of a delay in the return of money by the client - a fee for their use.

The seller accepts payment to a bank account without the need to work with cash. We rarely think about what it costs to count a bag of money, pay for the services of collectors so that they take the bag to the bank, deposit it on the current account. For stores, this service is costly and risky.

For sellers, especially large ones, it is more profitable to pay 2%, this is how much a non-cash payment costs for the seller, and to save yourself the hassle of cash collection. It makes a difference for the store, give the bank employees 2 bags with banknotes or 10.

An important advantage for the seller is the ability to sell a product that the buyer could not pay using his own funds, postponed the purchase, and then changed his mind altogether.

The principle of using credit cards is the same for most banks, individual conditions differ: a grace period (grace period), in which interest is not charged on debt, an interest rate, incentive programs (bonuses, benefits, discounts, etc.).

Card conditions

Sberbank offers several options. The most common ones are maintained and reissued free of charge. Reissuance is paid for some cards in case of loss.

Paid service is provided for new customers, as well as for products with increased cash withdrawal limits, with extended benefits, partner discounts. Among the participants in the program are mobile operators, air carriers, insurance companies, retail stores and many other organizations.

Services used by holders of all Sberbank credit cards without commissions:

payment in stores and other points of sale where non-cash payments are accepted, including in online stores;
use of funds during the grace period;
replenishment and checking the balance through an ATM, mobile bank, personal account in the Internet bank of Sberbank (when making a deposit through an ATM of another organization, a commission is usually charged);
receiving a report in electronic form by mail or in paper form by hand;
blocking the card at the request of the holder, the service is available by phone, in the personal online account, when contacting the branch.

Clients pay:

use of funds after the end of the grace period, the rate is quite high, exceeds the current one for consumer loans by 10-12%;
a fine for the formation of overdue debt;

we do not confuse it with the current one, at the end of the grace period, an obligation arises to pay for the use of money, a mandatory monthly payment appears, if this monthly payment is not paid on time, the debt is overdue;

cash withdrawal from ATMs, the amount of the commission varies, usually it is 2-4% of the amount to be cashed, but not lower than the minimum fixed, which has been more than 350 rubles for a long time;
receiving from an ATM a mini-statement with the last 10 transactions, as well as information about available funds, costs 15 rubles.

IMPORTANT! In the descriptions of tariffs, there are inconspicuous conditions "pre-approved offer" and "bulk". The essential difference is the interest rate. According to the mass supply, its size is several points higher, often more than 5%. Having received a massive offer in your hands, ask how to get a pre-approved one. It may be okay for you to open a small formal deposit that will be enough to get you a lower rate offer.

Who can get

The service can only be used by Russian citizens aged 21 to 65 years.

Any citizen with permanent registration in the territory of our state can receive a standard credit card with a paid annual service.

Existing clients of Sberbank receive pre-approved offers, for which the annual service is free, the interest rate is reduced.

Having a positive reputation, you can get a personal offer for a Gold or Aeroflot family card for travelers. Their advantages are in increased withdrawal limits, free re-issue in case of loss. Holders of Aeroflot products additionally accumulate miles and can profitably exchange them for air tickets, but service for those who like to travel is paid.

Those who have confirmed a total work experience of 1 year and employment at the last job of 6 months or more have the opportunity to become owners of premium products with the highest credit limits, increased bonuses, but also the most expensive service.

How to order and place

At any branch of the bank, an application for Standard, Gold, Classic and Gold Aeroflot, Black (premium) is available. After the application is completed, the employee will offer to come in 2 weeks with a passport to receive. Delivery usually takes place a little earlier.

You can order premium Signature Aeroflot only at Premier branches.

You can apply for standard and gold through your personal account online. The friendly interface of the site will not leave any questions about which menu item to choose. Here you can also track the status of the new card: issue, delivery, ready for issue. To receive it, you need to come to the department with your passport.

Required documents

For registration, in most cases, a passport of a citizen of the Russian Federation is sufficient. If you have a temporary registration, be sure to take your certificate with you.

In the case of the premium BlackEdition and the classic Aeroflot visa, you must also have documents confirming your employment and financial solvency.

When submitting through the online account, the client is authenticated via an SMS password, no additional documents need to be scanned.

Upon receipt of any card ordered in any way, you must present a passport of a citizen of the Russian Federation.

Types of credit cards for issuing

Classic offer money in installments without interest from Sberbank to a wide range of users, the limit ranges from several thousand to several tens of thousands. A pre-approved offer with free service and a reduced interest rate is available to existing customers. Newly applied persons are deprived of such privileges.

Gold is only available with a personal pre-approved offer. Allows you to use increased cash out limits, free maintenance and reissue.

Bonuses offer increased bonuses, a reduced percentage, additional discounts from the bank's partners. Available upon confirmation of employment and ability to pay.

Travel cards belong to one of the three listed types, have appropriate limits and interest rates, but require financial security when issued. They allow you to earn miles and use them to pay for flights.

Charitable ones are classic and gold. Served at appropriate rates, part of the funds paid by the client, the bank sends to charity.

Interest rates on cards

At the time of this writing, credit cards in Sberbank have 4 types of interest rates:

Interest-free period

By using a credit card, the holder can return the funds without surcharges until the end of the grace period. In the case of a partial or full balance of the debt, you will have to pay it in accordance with the tariff plan. The duration of the grace is at least 20 days, maximum - 50. The exact period can be calculated from the date of the report.

An interest-free installment plan for 50 days under the terms of using a Sberbank credit card does not apply to the amounts:

received in cash;
spent in excess of the credit limit;
transactions defined as settlements with casinos.

How the grace period is calculated

Each month on the day following the reporting period, a new reporting period and a new grace period begins. The first lasts 30 days, the end of the second in 50.

If there are debts on the card from different reporting periods, in case of partial repayment, priority is given to the previously formed one.

On the day the report is generated, the system records which payments were made for the past reporting period, which remained from the previous ones.

Payments made in the last 30 days refer to the current period and do not charge interest. Another 20 days before the end of the grace period, the debt at Sberbank can be covered without paying a commission.

If this debt is not fully covered before the grace expires, the system will charge interest.

ATTENTION! Interest will be calculated for the entire period of use, starting from the date of payment. The amount of debt will increase markedly. After that, there will be no such leaps, interest will be charged for each day.

The client is informed about the need to make a mandatory payment in the personal account of Sberbank-online, via SMS. The amount of the obligatory payment consists of 5% of the principal and accrued interest.

Having delayed the obligatory payment, the client will be forced to pay not a commission for the use of funds, but a penalty, its amount is significantly higher - 33.9% per annum.

Example

The reporting date for your card is the 2nd day. Reporting period from 3rd day to 2. Grace period from 3rd day of the current month to 21st of the next month. Funds spent from March 3 to April 2 can be refunded between 3.03 and 21.04 (50 days). Spent from 3.04 to 2.05 without interest will be refunded from 3.04 to 22.05.

If on April 10 you have a debt formed at the end of March and after April 2, and you deposit the amount on the card, the debt of the early period will be repaid first, then the later one.

If there is an outstanding debt on the payment of March 15 on April 21, interest will be charged on it for each day from 03.15 to 04.21.

How to find out the reporting period

The reporting period lasts from the day following the day of the card report generation to the date of the next report generation, inclusive.

The date of the report generation is indicated on the envelope with the PIN-code. When issued without a PIN envelope, the reporting date is the number of the day preceding the issue. You can find out the grace period for a Sberbank credit card by adding 50 days to the reporting date.

Terms of use

The client enters into an issue and service agreement with the bank. The bank provides a card operating in the international VISA or MasterCard system, maintains a personal account, informs the client about the available and emerging opportunities and obligations.

The client uses, ensures the safety of the card and secret information on it (number, PIN and CVC codes), complies with the rules established by the bank and payment systems.

Credit limit amount

Considered on an individual basis. To calculate the limit, among other circumstances, the bank takes into account:

credit history;
labor employment;
age;
availability of loans and dependents;
the duration of the client's status.

For premium offers, the maximum limits are comparable to mortgage ones - 3 million rubles. For the rest, the maximum is 600 thousand rubles.

What happens in case of delay?

The interest on the loan ceases to be accrued on the debt that is not repaid on time; from the first day of delay, it will be necessary to pay a penalty in excess of 30% per annum.

Features of cash withdrawal

When cashing out, a commission is charged. In ATMs of Sberbank, it is 3% of the amount, in terminals of third-party organizations - 4%. The minimum fixed amount is set at 390 rubles. The withdrawn amount is not subject to the grace period.

Debt repayment methods

A credit card can be replenished in one of the convenient ways, through:

ATM;
mobile bank;
Internet bank;
at the Sberbank branch.

Replenishment is available through other banks. This usually involves a commission. Payment systems do not always recognize cards issued by third parties.

Advantages and disadvantages

In addition to the advantages of international cards, Sberbank offers:

the opportunity to use an additional amount;
from 20 to 50 days of payment by installments on the debt;
product selection depending on individual needs;
a wide network of partners participating in bonus programs;
convenient software for working on electronic devices.

cash withdrawal commission;
high interest rate on a loan in case of non-repayment during the grace period;
accrual of interest on the balance of debt for the entire period of using the money;
in some cases, a statement of income is required.

For a comfortable and efficient use of a credit card, it is important:

understand the procedure for the action of interest-free installments;
determine and remember the reporting date;
plan repayment in advance, in the absence of an opportunity to repay the debt in the next 2-3 months, it is preferable to issue a consumer loan;
use the demanded number of credit cards, if one is enough for you, it is better to refuse the rest by terminating the service agreement; a few pieces usually appear among clients using the services of several banks.

Conclusion

A credit card is a source of additional financial opportunities and responsibility. Knowing how to use a Sberbank credit card with a grace period, you can immediately pay for goods or services at great deals, make large purchases at a convenient time, and, having received a salary, restore the balance.

The lack of proper control over the account causes many difficulties in repayment, becomes the reason for the rapidly growing debt.

Among the many offers from financial institutions, the most attractive are products with an interest-free loan period. For example, a Sberbank credit card for 50 days, the terms of which allow you to use borrowed funds for free for almost 2 months - one of the leaders among all the services offered. How and to whom such an offer is available, what needs to be done to receive it in 2020 - all the information in this article.

The most interesting and tempting feature of the terms of the product under consideration from Sberbank is the long grace period. This means that card users can use it to pay for their purchases and not pay interest on the loan for 50 days. However, this rule applies only under certain circumstances and the satisfaction of the list of conditions of use.

Grace period

To begin with, it will be correct to understand what this term means and how it is calculated. So, the interest-free period consists of two intervals: reporting and billing periods. The first of them is given 30 days, the second belongs to the remaining 20 days. What does it mean?

The reporting period is the time for making purchases. After the expiration of this period, the total debt of the credit card holder is formed. For example, he used his credit card 5 times this month and spent the limit of 50 thousand rubles. This means that by the end of the period, his debt to the bank is the specified amount.

Then the billing period begins. If a Sberbank client manages to pay off the debt that has formed during the reporting period in 20 days (in the above example, it is 50 thousand rubles), then interest on this loan is not charged. Otherwise (for example, 55 days have passed since the beginning of the reporting period), you will have to pay interest on the loan taken in accordance with the terms of the loan agreement.

Note! The beginning of a new accounting period always falls on the first day of the payment period. That is, the client can constantly use a credit card to make purchases and withdraw cash. Usually, the date of issue of the card becomes the reporting date from which all calculations of the grace and reporting period take place.

An important point! A grace period of up to 50 days on a Sberbank credit card is valid only for non-cash purchases. If you withdraw money from a credit card at an ATM, then there will be no 50-day grace period for payment without interest.

Interest rate

But what will happen if you do not have time to pay off the debt for the grace period in accordance with the conditions? It's simple: interest begins to apply to the funds received (just like when you receive a regular loan). Moreover, the amount of interest rates depends on the conditions of the selected type of credit card and some other components. A few examples:

Gold and classic credit cards. Upon receipt of a card with a personal limit, the interest rate will be 23.9% per annum, on standard terms - 25.9. In the event of a delay in payment, an increase in the values of up to 36% is envisaged.
Premium credit card. For cases with a personal limit, the interest rate will be 21.9% per annum, on standard terms - 23.9%. In case of delay, the interest rate will rise to 36%.
Classic and gold Aeroflot cards. The interest rate for non-payment of debt during the grace period will be 23.9 and 25.9% per annum for personal and standard conditions, respectively. In case of delay, the rate remains unchanged: 36%.
Aeroflot Signature card. For customers with a pre-approved card, the interest rate outside the grace period will be 21.9%. In the event of a delay in payment, the value will rise to 36%.
Gold and classic cards "Give life". Interest rates are identical to those of the rest of the gold and classic product lines.

Of course, it is most economical to pay off the debt to a financial institution before the end of the grace period for crediting. But if it is impossible to carry out such a thing, it is still better to try to make payments on the loan before the end of the payment period: otherwise, interest rates will increase by a third under the terms of the bank!

Cash withdrawal limits and restrictions

These parameters also depend on the type of selected / approved card. Below are the limits depending on the type of credit card:

gold and classic cards (including Aeroflot) - up to 600,000 rubles;
premium credit cards (including Aeroflot Signature) - up to three million;
credit cards of the "Give Life" series - up to 600,000 rubles.

Attention! Increased limits of up to 600,000 rubles are available only in special cases (with pre-approved loan conditions), for the rest the maximum possible withdrawal amount is 300,000 rubles.

It is worth noting that Sberbank credit cards can be used not only when paying for purchases, but the function of withdrawing cash from an ATM is also available here. To do this, you can use both Sberbank devices and third-party financial organizations.

Note! For withdrawing cash from credit cards, the terms and conditions provide for commissions: 3% when withdrawing from ATMs of Sberbank and subsidiaries, 4% - in the case of other banks. At the same time, the minimum amount of the commission fee is indicated - 390 rubles.

At the same time, there are restrictions on the amount of withdrawal: no more than 100,000 rubles per day using ATMs of third-party organizations; 300,000 rubles - on Sberbank devices.

What can you spend money on

Sberbank credit cards for 50 days provide simple conditions for use: they are in no way inferior to debit options. So, using a credit card it is permissible:

pay bills and online purchases;
pay for goods and services in offline stores, beauty salons, cafes, etc.;
withdraw cash from ATMs.

The only difference is that in this case, borrowed funds are used, which can be returned without interest during the grace period. However, according to the terms, the grace period does not apply to cash withdrawals, purchase of lottery tickets, payments at online casinos, etc.

How to repay a loan

Sberbank has provided several ways to return borrowed funds. It:

transfer from a salary card (in the personal account of Sberbank Online, through the mobile application of the same name, by sending a special command to number 900 and using an ATM);
cash replenishment: through an ATM or at a bank branch.

Sberbank regularly sends messages to the holders of its credit cards, which indicate the amount, terms and conditions for making the mandatory payment and the amount of the total debt. In order to prevent the accrual of interest rates, the amount of the total debt should be paid on the indicated dates.

By the way! A mandatory payment is a payment that must be made monthly to avoid delays. As a rule, its size is 5% of the principal amount plus interest and commissions. If you see the minimum amount to pay for the monthly payment, then this is only the minimum that you need to pay to avoid delays and not pay interest if you are using a 50 day grace period. If you want your grace period of 50 days to be restored again, then you must pay off the debt in full.

Borrower requirements

Persons who meet the following conditions can become users of credit cards from Sberbank:

age from 21 years (for recipients of salary / pension to the Sberbank account - from 18 years);
the maximum age at the end of the credit card term is 70 years;
work experience of at least 6 months at the last place of work (for Sberbank clients, the term is reduced to 3 months).

Of course, meeting the above conditions does not guarantee approval of the credit card application. After all, the employees, in addition to everything, will definitely check the credit history, pay attention to the applicant's solvency, etc.

Advantages and disadvantages

Borrowed funds for 50 days without interest is a great offer. But what are the benefits of Sberbank's clients in addition?

They are as follows:

instant loan (you no longer need to regularly visit the company's branch to approve the next application: money is always at hand);
large cash limits: from 300 thousand to 3 million rubles;
the ability to use borrowed funds for any needs;
a wide network of branches and ATMs throughout the country;
participation in the bonus programs "Thank you from Sberbank" and "Aeroflot";
the ability to issue a card online without visiting a bank branch;
positive reviews from Sberanka credit card holders;
availability of auto payment (all bills will be paid without delays: traffic police fines, mobile services, housing and communal services).

Yes, there are many advantages of the offer from Sberbank, but there were also some drawbacks. The negative in credit cards includes:

cash withdrawal commission (3-4% depending on the device belonging);
high interest rates in case of non-compliance with the terms of preferential lending;
the need to confirm income to increase the limit of allocated funds.

The pros and cons discussed should help potential clients make the right decision regarding the choice of a credit card.

Apply online

To apply for a credit card, you will need to visit a Sberbank branch. The specialist will request:

presentation of a list of documents (passport of a citizen of the Russian Federation, income certificates, copies of a work book, etc.);
filling.

After that, the applicant can only wait for the data to be verified by the bank's security service and approval of the loan. If the answer is yes, the employee of the financial organization contacts the client to announce the time and place of issue of the plastic card.

It is important to note that for Sberbank clients who receive wages / pensions on the account of this bank, the process of issuing a credit card is much easier. To receive it, you need to go to the Sberbank Online application and leave the appropriate application. Later, bank employees will contact the applicant to clarify the request and announce the decision on it.

Can't choose the right option yourself? It's OK! The consultant of our portal will be able to give you useful and necessary advice. Just tell us about your story, indicate your wishes and our specialist will choose the best offer for you!

PJSC Sberbank of Russia is the most popular domestic financial structure that provides customers with the opportunity to receive services both in any of the branches and online - using a web browser or a convenient mobile application. Recently, a citizen who already has a bank account or is just about to open one can order (a unique product that will definitely not get lost among other "plastic") or issue a long-term deposit on even more favorable terms - in rubles, in foreign currency or one of the precious metals. The bank's special offer is to issue a credit card with a grace period of 50 days.

Getting it is no more difficult than; the benefits of using the product are obvious. The holder gets the opportunity not to overpay in interest and not worry about penalties from the bank, and all this - in a few minutes of free time spent on processing the application. Below we will talk about the conditions for obtaining a Sberbank credit card with a grace period of 50 days.

Sberbank credit card for 50 days - conditions

The rules for using a "preferential" credit card, as well as, are given on the official website of the financial structure. The offer currently covers five products:

classic card;
a card on special terms;
premium card;
Aeroflot cards (there are three formats - Classic, Gold and Signature);
"Give Life" cards (two formats - Classic and Gold).

The grace period of 50 days is the same for all of these products:

During the reporting interest-free period equal to 30 calendar days, the “plastic” holder makes purchases, and the system records his actions in order to generate regular reports.
An interest-free grace period, equal to 20 calendar days, begins to count immediately after the end of the next reporting period, overlapping with a new one; during this period, the client of Sberbank has the opportunity to pay off the debt without overpaying interest.
Both periods, reporting and grace periods, are combined into a cycle that is 50 days. Due to the fact that the grace-free period begins simultaneously with the new reporting period, the buyer may not pay interest at all - the main thing is to meet the debt repayment for each purchase within the specified period.
If more than 50 days have passed after making a purchase (withdrawing money from the Sberbank credit card account), the holder will have to pay interest in accordance with the concluded agreement for each day of delay.

Important: You can pay with a card with a grace period of 50 days in any store, entertainment center or other institution, regardless of whether it is a partner of Sberbank. From the latter, as in the case with, only the accrual of bonuses and cashback depends, but not the duration of the specified period.

Conditions for obtaining an "interest-free" card:

The recipient must be a citizen of the Russian Federation. Stateless persons with a residence permit or foreign nationals cannot count on a credit card.
The lower age bracket for a client wishing to take advantage of the offer is 21 years old at the time of signing the contract. Upper - 65 years old; upon reaching this age, it is not possible to receive a Sberbank credit card with a grace period of 50 days.
A citizen who applies for a product must have a temporary or permanent registration in any subject of Russia, regardless of its remoteness.
The only document required for issuing a credit card is a passport of a citizen of the established form.
At the time of signing the agreement, the applicant should not have any other credit cards issued by Sberbank.
To use certain products with a grace period of 50 days, including Aeroflot cards, you need a prior approval from the bank. In addition, the approval obtained gives the client the right to apply a reduced interest rate relative to the standard interest rate and a lower annual service cost, and sometimes an increased credit limit to the card's expenses.

The conditions for using a credit card with a 50-day interest-free period differ depending on its type; on average they are as follows:

used international payment standards - Visa and MasterCard (optional);
the currency used for card transactions is the Russian ruble;
product validity period - 3 years from the date of issue;
interest rate - from 23.9% to 27.9% per annum;
service cost - from 0 rubles (upon receipt of preliminary approval from Sberbank) to 4900 rubles per year;
credit limit - 300 thousand rubles (public offer) or 600 thousand rubles (personal offer); for a premium card - 3 million rubles;
there is no possibility of issuing additional credit cards.

Important: the client has the opportunity not only to withdraw money from the product within the credit limit, but also to store his own money on it, as well as receive it with a grace period of 50 days.

How to get a SB credit card with a grace period?

You can order a Sberbank credit card directly at the branch of the financial institution or in your Sberbank Online account. In the first case, all that a visitor will need is to come to the office with a passport, wait for his turn and write an application for registration of the product, and then receive it.

FAQ

A credit card from Sberbank with a grace period of 50 days is a really useful and easy-to-manage product, the use of which, however, can raise a number of questions from the holder. The answers to the most common ones are given below.

How can I find out the amount of the credit limit?

To see what amount of the loan is available at the moment, the user can:

by sending the text message "Balance XXXX", where XXXX are the final four digits of the credit card number given on the front side, to a single service number of Sberbank 900;
by logging into the personal account of the Sberbank Online system - information on all bank products is displayed on the main page;
by going to the mobile application of the same name running Android or iOS;
by inserting the card into the slot of the branded ATM and following the further instructions on the screen of the device.

Important: in the latter case, the cardholder will have to enter a pin code; it is better to do this without the presence of strangers, and if this is not possible, at least cover the keyboard with the other hand, preventing possible intruders from seeing the combination of numbers.

What are the fees for cash withdrawals?

In some cases (in particular, when issuing a "Premium" card), the client will not have to pay absolutely nothing for cash withdrawals. For other credit cards, the disbursement fee is:

at Sberbank's own ATM - 3% (not less than 390 rubles, regardless of the amount);
at third-party ATMs - 4% (not less than 390 rubles, regardless of the amount).

Important: for an emergency cash withdrawal abroad, the cardholder will have to part with a much larger amount - 6,000 rubles.

How is the interest-free period calculated?

The principles for calculating the grace period are described above. To clarify the situation, it is worth considering two small examples.

First example. The product was issued (and the reporting period began) on October 1, 2018. If the buyer made the purchase on October 2 of the same year, the bank has exactly 50 days to pay off the debt without paying interest - until November 21, 2018.

Example two. The grace period of 50 days began counting from the same date, October 1, 2018, but the holder made the first spending on the card on November 1, 2018. In this case, since the new reporting period has not yet begun, the Sberbank client should try to pay off the debt within 20 days, that is, until November 21 of the same year. Otherwise, he will have to pay interest for each day following the specified date.

Important: Each purchase within the 50-day interest-free period is a separate transaction, not cumulative with others, and has its own debt maturity. So, if the first purchase was made at the beginning of the reporting period, the user, regardless of other conditions, is given more time to pay for it than purchases in the middle or at the end of the same period.

To see exactly how long the money should be returned to the bank, the cardholder can on the official website of Sberbank by clicking on the link sberbank.ru. A convenient online calculator allows you to calculate the terms for each operation separately, displaying them sequentially in a common window.

Summing up

A credit card from Sberbank with a preferential loan of 50 days gives the holder the opportunity to pay for purchases made on credit within a specified period without interest. If the holder could not meet the allotted time, he will have to transfer interest to the bank in accordance with the terms of the agreement. The card is valid throughout Russia and abroad without reference to partner organizations.

To obtain a product, you must have Russian citizenship, permanent residence permit, be at least 21 years old and not older than 65 years. The preliminary approval of Sberbank increases the client's chances for a lower interest rate and an increased credit limit. You can leave an application for registration of a product online or at any branch of the financial structure; to pick up the card, the user will have to personally come to the bank office for it.

Most banks set the same conditions for receiving a credit card. Among them are the following:

Citizenship of the Russian Federation.
The presence of a working herd for at least three months or six months at the last place of work.
Reaching the age of twenty-one years.
Positive credit history.
Lack of loans and delinquencies.

To issue a credit card with a grace period of 50 days or more, you need a passport with permanent registration, an additional identity document (SNILS, TIN, driver's license, etc.). Also, when receiving a large limit, you will need a certificate of basic income.

Terms of use of the grace period

As already mentioned, the grace period is the period during which no interest is charged on the use of the loan. Its countdown occurs within a month (30 days) for which you make purchases and an additional twenty days.

Let's give an example: if you made a purchase on the day of the beginning of the reporting period, i.e. On August 8, you will have 50 days to repay the loan without interest, i.e. September 25. But if the grace period begins on August 26, you have only 25 days to repay the loan without interest, since 5 days are reporting and 20 days in total.

Benefits of credit cards with grace period of 50 days

The use of credit cards with a grace period has a lot of positive reviews. You can study them on the service, which also provides assistance in obtaining credit loans in various banks of the Russian Federation.

The positive aspects include:

The ability to use bank funds without paying for their services.
No interest for using a credit loan.
Registration can be either directly at the branch of the bank or via the Internet. To do this, it is enough to leave a request.

Credit cards with a grace period can be not only for 50 days, but even more. For example, Bank Tinkoff offers a credit card for twelve months without interest. Wherein
the annual rate is from 15%, and the credit limit is possible up to three hundred thousand rubles. The cost of service per year is 590 rubles, here cashback is charged in the amount of one to thirty percent of the cost of purchases, and the decision is made within two minutes.

Sovcombank also offers favorable conditions: the interest-free period is also 12 months, while the limit is 350 thousand rubles, and the interest rate varies from 0 to 10%. Moreover, the service is free, and cashback charges 1.5% of the purchase price.

Sberbank is the leader in the segment of lending to the population. Among the products offered by him will be selected suitable for any category of people. Indeed, in the conditions of unforeseen life situations, the question often arises of the need for a loan, or the purchase of a credit card, which, as a rule, is more convenient to use. Here are instructions on how to design, use them, reviews.

Sberbank online credit card for 50 days without interest - how to apply

In the Sberbank Online system, you can prepare and send an application for registration of the desired product. The conditions for issuing a Sberbank credit card for 50 days are as follows:

Find Cards in the main menu, click Order a credit card. Next, you need to choose an interval of your average income. By clicking Continue, go to the Terms - where you need to familiarize yourself with the terms and conditions of registration:

types of credit cards;
grace period of the loan when used;
interest during the grace period, interest after;
the credit limit that is available;
the size of the cost of service for the year.

We mark the conditions of interest, then Continue and an application will appear, where we indicate:

loan amount;
Full name, contact phones, e-mail;
a convenient time for you to contact the bank employees.

The following lines will be filled in automatically: document date, credit card, loan interest, annual maintenance. The fields depend on the type of the selected order. Then Send the application, on the confirmation page that appears - you need to verify the filled in data and give confirmation Send the application. On the appeared viewing page, the details of the executed application are indicated.

The bank has provided for the client's frequent questions and has introduced consulting assistance in the Sberbank Online system when filling out an application. The application will be reviewed within 2 days. It should be emphasized that the cardholder must comply with the following points:

Russian citizenship;
Permanent registration on the territory of the Russian Federation;
Age from 21 to 65 years old;
Work experience over the past 5 years is at least one year, at the last job - at least six months.

How to use a Sberbank credit card with a grace period of 50 days

Sberbank denotes an interest-free period of use, which can be up to 50 days - the so-called grace period. Its commencement will be the date of receipt of the account statements. For example, the date of receipt of the account statement is November 11th. This date will be the beginning for the interest-free period, and December 21 is the last day of this period. If you made a purchase on November 16 for 10,000 rubles, then on December 11 you will receive an extract for depositing this amount of 10,000 rubles. If you deposit money before December 31, then interest on the loan will not be charged, and the interest-free period will be equal to 45 days. BUT this is if the payment was made by non-cash method.

If the amount from the credit card is withdrawn in cash at an ATM, then interest will be charged for all 45 days, that is, for the entire period of use. It turns out that the grace period for a card loan will always be from 20 days to 50 days. You can track the movements of your funds, their withdrawals and interest payments in the Sberbank Online system.

Cash withdrawal conditions

If there is a need to withdraw cash, the credit card for 50 days does not provide a grace period. The money can be withdrawn in any usual way, but it should be noted that the commission will be:

3% of the withdrawal amount, but at least 390 rubles, if it is an ATM or Sberbank cash desk;
4% of the withdrawal amount, but at least 390 rubles, if it is another credit institution.

Many reviews point out that the withdrawal rate is significant.

Sberbank credit card for 50 days obligatory payment

The system of debt repayment on the card is the same as for any loan - a mandatory payment must be made every month. The conditions for repayment of the loan are as follows: you must pay a minimum amount of money before the last payment date. This amount is determined by the percentage of the amount owed, but not less than 150 rubles. It is not necessary to pay the entire amount of the loan debt at once, it is enough to make a mandatory payment in the amount of 5% of the principal debt (without exceeding the limit, interest for use, late payment interest).

It is necessary to keep track of the date of the minimum payment so that the bank does not charge interest on the forfeit, with the mobile bank application, through the Sberbank-Online personal account or with the help of employees at the branch.

Sberbank gold credit card for 50 days

Gold credit cards are a premium product with an additional set of services, special offers and lucrative bonuses, which is also noted by numerous reviews.
Services:

Round-the-clock service;
Remote access to online account management;
Auto payment;
Card payments by all means in the Russian Federation and abroad;
Emergency issue in case of loss of the card abroad;
Possibility to withdraw cash abroad at subsidiary branches of Sberbank on the same terms;
Replenishment by transfer;
Linking to electronic wallets;
Bonus program.

Extra features:

Chip - as her one defense;
3D-secure technology - Verified for Visa and SecureCode for MasterCard;
Possibility of contact / contactless payment (PayPass (MasterCard) / PayWave (Visa)).

The interest rate on a Sberbank gold card loan is 25.9% for a special offer, 33.9% for a mass offer.
For a rate of 25.9%, you must be a member of a salary project (3 months minimum), be a depositor (6 months minimum) or be a borrower for other loans with a good credit history.