Gold card "Sberbank of Russia": we will discuss all the pros and cons of the product. Sberbank gold credit card: a complete overview Interest on Sberbank cards Visa, MasterCard, Podari Zhizn

Sberbank of Russia is one of the largest banks in our country, it offers its customers 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 its owner.

What is a Sberbank gold card

Many users are wondering 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 financial solvency of the client; banks offer this banking product only to active and respectable depositors or borrowers. For Sberbank customers, a 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 by an electronic chip;
• card recovery after loss anywhere in the world;
• participation in the bonus program "Thank you from Sberbank";
• the ability to connect "Autopayment";
• financial control with the help of Mobile Bank and Sberbank.Online;
• participation in programs of discounts and privileges from Visa and MasterCard;
• several ways to replenish the account;
• non-cash payment for purchases and services in Russia and abroad.

A gold card from Sberbank is ideal 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 various purposes: getting 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:

• maximum loan amount up to 600 thousand rubles;
• interest rate up to 33.9%;
• validity period - 3 years;
• grace period - 50 days;
• Mobile Bank service - free of charge;
• the cost of annual maintenance is 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 only difference between all products is that each payment system (Visa, MasterCard) has various bonus programs and privileged conditions, which can be found on the official websites. Credit Visa Gold Sberbank Aeroflot gives customers the opportunity to make purchases and earn miles that can be exchanged for airline tickets of this company in the future. Visa Gold "Give Life" allows you to contribute funds 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 issue a banking product if it meets the main requirements of the lender:

• age from 21 to 65 years;
• has a residence permit in the region of circulation;
• At least 1 year of work experience, at least 6 months in the last position.

You can fill out the questionnaire at the nearest branch of the bank or the official website. In any case, the borrower should come to the office and submit their documents: passport, 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 percentage. In addition, the credit history of a potential borrower and his monthly income play a leading role.

Terms of use

After issuing and activating a Sberbank gold credit card, a client can pay with it for purchases in stores and online stores in our country and abroad. Despite the fact that the currency of a 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 commission 3% if you withdraw funds 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.

Ways to remotely manage Sberbank accounts

Owners can use credit funds absolutely free of charge. Grace period is 50 days, during this period you can return the borrowed funds and not overpay for the use of interest. But keep in mind that this does not apply to cash withdrawals, that is, when cashing out funds, interest is accrued 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;
• big limit;
• free mobile banking;
• bonus programs from international systems Visa or MasterCard;
• grace period of 50 days;
• available to a wide range of clients of all ages.

Cons of a Sberbank gold card:

• high interest rate on a loan;
• expensive annual maintenance;
• high interest rate for cash withdrawals;
• absence of interest-free cash withdrawal transactions.

Among other things, Sberbank customers have the opportunity to control their accounts remotely, for this it is enough to activate the Sberbank.Online service. With its help, you can pay any bills, connect "Autopayment", control the dates and amount 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 for your savings. This banking product is available for everyone, and also has many of its advantages, in addition, users also have access to all bonuses and other privileges from the bank and international systems Visa or MasterCard.

How to get

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 old 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 branch of the bank or fill out a questionnaire remotely on the official website, it does not require confirmation of income and the presence of a permanent place of work, because the owner will use exclusively his own funds.
Please note that online you can fill out an 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. At the same time, 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, the card is reissued after the expiration date 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 possibility of obtaining discounts and privileges from bank partners;
• 24-hour hotline service;
• high degree of protection of their savings;
• the ability to use funds in Russia and abroad;
• the ability to issue an additional card (credit cards do not have this option);
• emergency issuance of money in case of loss or theft of a card.

Many owners of this product noted that it is quite expensive for middle-income clients, so it is not economically feasible to issue it.

Please note that unlimited overdraft facilities are available for debit gold 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 provides has already been considered, 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 maintenance is available.

A loan from Sberbank under a special offer has a reduced interest rate - from 17.9% to 23% per year.

A personal offer may be received by clients who receive wages through Sberbank, have opened deposits or have previously taken loans. The offer can be received by letter, via SMS message or by a call from an employee.

How to get a Sberbank gold card for free: to do this, you need to receive a personal offer from the lender, then come to the bank branch with a package of documents. Be sure to provide income statements and proof of a permanent place of work (salary clients do not need this).

Co-branded Gold Cards

There are co-branded cards in the line of Sberbank gold cards - these are Podari Zhizn and Aeroflot. They have their own characteristics and privileges, they can be issued on a general basis or under 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 Visa system, this gives the client the opportunity to evaluate all the benefits of Visa Gold Sberbank, more details can be found 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 possibility of free service with the Visa Gold Aeroflot gold card.

So, the free maintenance of the Sberbank gold card is available only for regular customers of this organization, for all others the fee is quite high. But given the fact that more than half of the population of our country chooses Sberbank, then each of the regular customers, depositors or borrowers can receive a personal offer.

The Sberbank Gold Card is an indicator of the bank's trust in relation to its client. This card allows a person to use certain privileges, which is sometimes very beneficial. A person can use the card everywhere not only in Russia, but also abroad, which makes it popular for customers who travel frequently.

What it is?

The Sberbank Gold Card is a card that allows you not only to spend money, cash out, transfer, save or invest, but also use special offers for free. A bank card is issued specifically for each user and looks like a regular Visa or Mastercard (Gold is not issued in other forms).

Sberbank of Russia has taken care to give its regular customers a pleasant bonus for using the services of this bank. The benefits of the Visa Gold and Mastercard Gold cards allow people not only to carry out financial transactions faster and more conveniently, but also to save money and make donations to charity.

Sberbank of Russia issues gold cards in these forms:

1. Visa Gold (regular, Give Life, Aeroflot);
2. Mastercard Gold.

These payment systems differ in what bonuses and promotions are provided to them, and all tariffs and terms of use remain the same.

How is it different from the usual?

The possibilities of a regular and a gold card differ from each other. Regular and gold cards are debit or credit. Actually, debit and credit cards are already different from each other. You can borrow money with a credit card.

The first difference between a gold card and a regular card is that for Gold card users, an interest-free loan repayment is possible within 50 days. Also, for users of the Gold credit card, free service is possible, and for an ordinary card, a standard amount is always set (except for pension cards).

Also, Aeroflot cards allow people to accumulate bonuses when paying for plane tickets with their subsequent exchange for other tickets of this company. Gift of Life cards allow you to transfer amounts to charity.

It happens like this: after paying for any purchase with a card, the bank will transfer on your behalf 0.3% of this amount to a charitable foundation with which it cooperates. This gives you a chance to help people without losing anything.

A big plus in using a gold card is the ability to get help from bank staff at any time of the day and in any city. If your card is lost abroad, this does not mean that you are left without means of subsistence in a foreign country. Money can be given to you at any bank upon presentation of an identity document.

On the Gold card, a person is provided with a larger percentage in the Thank You from Sberbank program, which means that he will be able to save more when paying for his purchases with a card.

But if any resident of Russia can issue debit cards, then getting a credit card is a little more difficult, a larger list of documents is needed, but you can order a Gold credit card only under special conditions, which will be discussed below, which makes it more difficult for citizens of the country.

The only privilege of an ordinary credit card from a gold, this is the absence of interest for withdrawing cash from an ATM or bank branch. Therefore, the second option is more suitable for those who make all purchases via the Internet, and the first option is more suitable for those who pay in cash all the time.

How to get a gold card?

Depending on what you want to issue, there will be different requirements and a package of documents that must be submitted to the bank. Consider ways to obtain different types of cards and requirements for registration.

Debit

To apply for a gold debit card, you must:

• have Russian citizenship;
• be over 18 years of age;
• be permanently registered.

If these requirements are met, then you can come to a convenient branch of Sberbank with a passport and fill out a questionnaire. You can do this on the official website of Sberbank Online. But if you want to issue a Mastercard payment system, then you will have to come to the bank, since only the Visa payment system is issued in electronic form.

How much does it cost to open a card? 2500 rubles, and the annual maintenance will cost 3000 rub. At the end of the three-year period, the card is changed to a new one completely free of charge.

Credit

To apply for a Gold credit card, you must:

• be between the ages of 21 and 65;
• have Russian citizenship and residence permit;
• have at least one year of work experience (at the last workplace it is necessary to work for more than 6 months).

You can apply on the official website or directly at the bank branch, but you still have to go there. Upon receipt of the card, you must present:

• passport;
• a photocopy of the work book;
• certificate in the form 2-NDFL.

After a two-day review period, the bank will issue a decision on the possibility of registration.

A person’s credit history plays a very important role, if he previously did not pay loans on time, took them and did not return them for a long time, or did not return them at all, then the application will be refused.

But if he uses a Sberbank debit card, has a consumer loan and bank deposits, then the chance of consent is greater. It also increases for payroll clients who receive a salary or pension from Sberbank.

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Terms of Use

For owners of a gold credit card, there are many advantages in its operation:

• the card, although not unlimited, but the maximum amount of money taken on credit is 600 thousand rubles;
• the daily cash withdrawal limit reaches 300 thousand rubles;
• when taking a loan, there is a grace period of 50 days, during which no interest is charged;
• the Mobile Bank service is provided free of charge;
• interest rate on the loan up to 33.9%;
• annual maintenance cost of 3 thousand rubles;
• more bonuses under the “Thank you from Sberbank” program.

When using a gold debit card, the following conditions apply:

• round-the-clock customer service in the contact center of the bank;
• the possibility of withdrawing money abroad in case of loss of the card;
• receiving bonuses from the Thank You from Sberbank program;
• linking the card to electronic wallets.

Cons and pros

The table below will allow you to evaluate the advantage of gold cards over ordinary ones, but also point out a few disadvantages that are sometimes not so important.

It is immediately clear that the advantages of gold cards are much greater than the disadvantages. For some, the price for service may seem high, but in reality it is worth it.

"Gift a life"

This card allows a person to do good deeds without personal harm. Every time money is spent on a purchase, 0.3% of this amount is debited to charity. The card can be free, or the bank will charge 3,500 rubles for servicing, the bank reserves the right to choose. The card is issued only with the Visa payment system.

Aeroflot

Visa Gold "Aeroflot" allows a person to accumulate miles when using the card, and then exchange them for air tickets. The amount of 3,500 rubles is charged for the service, there is no free card.

Should I take a gold card?

Sometimes bank customers do not understand why people buy a credit or debit gold card, if you can use a regular one and not pay commission and service fees. But gold cards offer more savings than meets the eye. People who make purchases on the Internet and often operate with money that is temporarily not available, it is convenient to use a gold credit card with benefits.

Many bonuses and promotions allow you to return part of the money from purchases, which significantly reduces consumer costs.

Yes, for those who only receive a salary on the card and no longer use it, it is not profitable to purchase such a tariff, but in other cases it is very appropriate.

Sberbank is the leader among banking organizations in the Russian Federation, one of the largest banks in all of Eastern Europe. Its specialists strive to constantly offer customers new, more profitable and attractive conditions. One of these offers is a gold credit card, which will become a lifesaver for people who often have to take out loans.

“A gold card from Sberbank is, firstly, a thing that symbolizes the status of its owner. Secondly, this product gives its owner many privileges and special conditions for its use.

Sberbank gold credit card: how many types are there?

Visa Gold (Visa Gold Sberbank)

MasterCard Gold (Mastercard Gold)

Visa Gold "Give Life"

By the way, Apple Pay service is available for Sberbank MasterCard cardholders

Sberbank gold credit card - who can become a holder

Asking how to get a profitable credit card, potential customers turn to bank specialists, where they are voiced the basic requirements for holders of this credit card.

Here are the conditions for issuing a Sberbank credit gold card:

• Citizenship of the Russian Federation, as well as permanent registration in one of the regions of our state;
• The age of the applicant must be between 21 and 65 years of age;
• The work experience of a potential cardholder for the past five years must necessarily have a duration of at least 12 months. Moreover, at the last workplace you need to work for a period of at least six months.
• If the applicant does not receive his salary at Sberbank, then a certificate confirming income is required from him, as well as a copy of his work book, which has a record of employment.

By the way, a Sberbank gold credit card can also be approved by persons who do not have Russian citizenship and registration in the country. In this situation, the employees of the financial institution will make a decision on an individual basis.

Sberbank gold credit card - who can become its owner

Any person from the list of its clients who actively uses the services of this financial institution can receive such a tempting offer and become a holder of a Gold-status credit card from a well-known bank. Also, the issuance of a Gold format card is provided for any applicant, however, the conditions for using this banking product in this case will not be so favorable. For example, regular customers of the bank will not have to pay for the annual maintenance of the card, while for other persons this service will cost 3,000 rubles.

An offer to issue a Sberbank gold credit card may be received by a person who has a debit and salary account, as well as a borrower or depositor of any type of loan, with the exception of a card loan. Information about the offer by the client can be received in a letter (by mail) or by calling a specialist. The client can also approach the manager at a bank branch convenient for him and find out if he was included in the number of prospective persons for issuing a gold credit card from Sberbank.

If you have activated the Sberbank Online service and such a card has been approved for you, then you will see the following message:

Sberbank gold credit card conditions

Sberbank specialists issue a gold credit card on very pleasant conditions for its use:

• The credit limit of the person using the product can reach up to 60,000 rubles;
• The percentage of the annual rate ranges from 25.9 (for old customers of a banking organization) to 33.9% (for new users);
• Payment for annual card maintenance can be charged in the amount of 0 to 3000 rubles for 12 months;
• Withdrawing cash from those ATMs that belong to Sberbank will cost 3%, and from ATMs of other banking organizations - 4% (the amount of interest charged cannot be less than 100 rubles);
• The duration of the grace period during which no interest is accrued reaches up to 50 days;
• The card is valid for three years;
• An electronic chip equipped with protective mechanisms allows the card to be used in most terminals in European countries;
• The service does not involve additional or secret commissions;
• The cardholder gets the opportunity to become a member of many promotions and receive various discounts;
• When the settlement takes place in the currency of foreign countries, its conversion is carried out at the rate set by Sberbank on the day of the operation;

Benefits of a Sberbank Gold Card

• The most important advantage is the high limits on transactions. For example, a cardholder can withdraw at Sberbank ATMs up to 100.000 rubles.
• Emergency receipt of funds if, while abroad, the user has lost the card. So, if the card was lost, damaged or stolen, its holder can receive cash in the amount of up to 5 000$ without any fees.
• All kinds of bonuses that the user receives not from the bank itself, but from the selected payment system. For example, "Visa" allows the owner to participate in the "World of Privilege" program, which is extremely widespread throughout the world and has 20,000 points on our planet.
• Using remote resources to solve problems, get advice and conduct transactions (Mobile Bank, Contact Center, ).
• Payment for utilities, as well as services of mobile operators thanks to the Autopayment service.
• Several different options for replenishing the card account, including transfers from other accounts.
• Possibility to use free SMS-banking informing the client about all balance changes.

Disadvantages for Sberbank Gold Card Holders

The disadvantages of gold cards offered by Sberbank include:

• The inability to receive additional cards that would be associated with the main card with a single account;
• The penalty for overdue loans can reach up to 36% per annum
• Absence cash-back, namely the ability to return a certain amount from purchases at certain outlets.

Methods for topping up a credit gold card

Replenishment of the Sberbank Gold Card is possible in several convenient ways:

• Transfer of funds to a card from another Sberbank card account. For carrying out such operations, it is possible to use ATMs and payment systems. In addition, other convenient bank services, such as Internet or mobile banking, can come to the rescue.
• You can deposit finance to your account using the terminals of Sberbank itself, as well as ATMs of other banking institutions. Replenishment of the account with the help of a manager in bank branches. To carry out this operation, you need to name the card number, or the number assigned to its account. In addition, the client must provide a passport, as well as a package of documents that he received together with a Sberbank gold credit card.

Interest on Sberbank cards Visa, MasterCard, Podari Zhizn

The accrual of the first interest for the use of credit funds occurs the next day after the debit transaction has been carried out. In order not to pay the interest accrued to him, the client will need to return the amount spent before the date specified in the terms of the contract. When the borrower cannot repay the debt in full, he will need to replenish the account with any amount, the amount of which cannot be lower than the minimum payment. This amount is 5% of the debt. If the client deposits the money on time, then no penalties will be applied to him, however, interest on the amount of the debt will accrue until the borrower repays them.

If the deadline for paying the minimum payment is missed, then the creditor ceases to accrue interest on the principal amount of the debt. In this situation, the bank charges a penalty of 36% on the entire amount of the debt.

When the cardholder does not liquidate the debt to, but does not forget to make a mandatory payment, then the amount of interest accrued for the funds spent is included in a new report. Moreover, they are charged on the entire amount of the debt.

On the network you can find a lot of reviews about this Sberbank product, and user feedback is both positive and quite negative.

Clients often ask: to take or not to take such a card? The answer is obvious. After all, this is a loan product, and if you are not worried about the additional loan burden, you should take it. Otherwise, we recommend ordering a debit gold card from Sberbank.

It should be noted that with a competent approach to using the product, its advantages still outweigh the disadvantages, and owning a card gives the client a lot of advantages.

1. instructions for clients of the client bank
2. Payment for state employees
3. or credit bureau

Privileged credit cards Visa Gold and MasterCard Gold from Sberbank open up a lot of additional opportunities for users compared to conventional credit cards. So, the Sberbank gold credit card is the topic of today's review.

How to get a Sberbank gold credit card?

Only those citizens who are already clients of the bank and have proven themselves on the positive side can apply for a gold card at Sberbank.

Today the Gold credit card is available to the following users:

1. Payroll clients of a financial company - persons who receive wages or pension payments to the plastic bank.
2. Consumers who have previously issued a bank debit product and have been using it for some time. It is important that card transactions are regular.
3. Clients who have an open deposit account with Sberbank.
4. Borrowers who have issued a consumer loan and do not have debts and delinquencies on it.

A new client can issue gold plastic only if he simultaneously registers a deposit account with a bank.

Without certificates and only with a passport, it is impossible to get a Sberbank gold credit card!

Since the card is provided with two types of Visa and MasterCard, many users ask which one is better?

There are no significant differences between these species. These are just two different payment systems that operate all over the world. The only significant difference is that with the Visa card, when withdrawing cash abroad, an additional commission is charged from the VISA system itself (in addition to other possible commissions).

Therefore, if you often visit foreign countries, then it will be more profitable to issue a MasterCard Gold credit product.

Documents for a Sberbank GOLD credit card

The Gold product is available to Russian citizens who are 21 years of age or older, but who are under 65 years of age. By the way, we offer to learn more about what cards pensioners can issue at Sberbank.

Of the documents required for issuing a gold credit card, only a passport ID must be presented to the bank. At the same time, it must have a seal of registration at the place of residence.

Certificates of income and employment are not needed due to the fact that gold cards are issued only to existing customers of Sberbank. That is, at the time of consideration of the application, the bank already has all the necessary information about the client.

Conditions on the map

Credit products Visa Gold and MasterCard Gold this year are provided to citizens on the following conditions:

• card currency - Russian rubles;
• credit card validity period – 36 months;
• grace period for using money - up to 50 days;
• limit - up to 600 thousand rubles;
• maintenance cost - 3,000 rubles;
• interest rate — from 23.9% to 27.9% per annum;
• issuance of additional credit cards is not provided.

The golden loan product from Sberbank is also characterized by the presence of various bonus programs, the main of which is the Thank You program. According to this promotion, the credit card holder, when making purchases from bank partners, is returned up to 20% with bonuses. There is also a special promotion for Moscow residents, according to which owners of Mastercard Gold products receive a 20% discount on medical services in Moscow clinics.

Interest for cash withdrawal from a Sberbank gold credit card

The Gold product allows holders to withdraw money at any time of the day and at any Sberbank branch or ATM.

Cashing out the card is available at a branch of a financial institution (for this you need to come to the bank during business hours) and through an ATM. The commission for cash withdrawals at the cash desk and at an ATM of Sberbank is 3% of the withdrawn amount (but not less than 390 rubles). Moreover, a percentage is charged for each transaction.

Using a Sberbank gold credit card

Credit card GOLD Sberbank refers to the products of a universal type. Therefore, it can be used everywhere. The card allows you to pay in:

• shops, supermarkets and other outlets;
• airports, railway and bus stations, including international ones;
• hotels, inns, campsites and so on;
• beauty salons, fitness centers, gyms;
• at filling stations and service stations.

Also, a credit card can be used to make purchases in domestic and foreign online stores.

The main advantage of a gold card is an increased credit limit. And the ability to withdraw large amounts in one transaction.

Any translations are not possible!

Advantages and disadvantages

Credit products Gold has both positive and negative sides. The advantages of a Sberbank gold credit card** are as follows:

1. Universality - a credit card allows you to spend money anywhere in the world.
2. Availability of special profitable bonus programs.
3. High degree of product security, thanks to the chip and a special protective strip with a hologram.
4. Round-the-clock support of a personal bank manager.
5. Ability to remotely book and pay for hotels and restaurants.

Sberbank gold credit card - cons:

1. High annual maintenance cost.
2. Large annual interest for the use of borrowed funds.
3. The inability to release an additional GOLD plastic product.

In any case, having a Sberbank gold card in your wallet gives you self-confidence. This is an indicator of status and wealth, because it is known that such products are issued only to holders of impressive deposits. Those who earn well and are ready to confirm their own income to the creditor also have the opportunity to have such a product.

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 popular is the issuance of a plastic card to pay for goods and services of various values. The Sberbank Gold Card (Gold Visa, MasterCard) deserves special attention - what is it, what are its positive and negative sides? We propose to understand these nuances in more detail.

Visa Gold from Sberbank - what kind of card is it?

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

Well, you should start with the fact that it belongs to the category of "elite". Sberbank offers the Gold Card not to every user, but only to respectable borrowers and active depositors.

The Gold Card is beneficial for several reasons:

1. In the Contact Center of Sberbank, 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. A gold card can participate in the Thank You bonus program from Sberbank.
5. It is possible to activate the "Auto payment" function.
6. If you need and want to control the flow of finance, you can use the services of the Sberbank Online and Mobile Bank systems.
7. Sberbank gold card holders can participate in privilege and discount programs offered 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.

The logical conclusion is that this card is suitable for those who travel a lot around Europe. A Sberbank gold card anywhere in the world will allow you to get a discount on hotel accommodation, meals 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 ones. At the same time, all the privileges that this or that type of used product has remain in force.

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

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

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

And they are used under the following conditions:

• the maximum loan amount can be 600,000 rubles;
• the interest rate does not exceed 33.9%;
• duration is three years;
• duration of the grace period - 50 days;
• activation of Mobile Banking services is free of charge;
• the price of annual maintenance costs 3,500 rubles.

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

• the credit card of Sberbank Visa Gold "Aeroflot" allows you to make profitable purchases and accumulate miles that can be exchanged for airline tickets of this company;
• Visa Gold card "Give Life" involves the transfer of funds to a charitable foundation. As a rule, 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;
• certificate issued in the form 2-NDFL;
• a copy of the work book.

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

Only:

• payroll card holders;
• bona fide borrowers
• active contributors.

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

What does the Visa Gold card provide?

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

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

The limit for withdrawing cash 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. High limit set.
4. Free Mobile Banking available.
5. There are bonus programs from the global MasterCard and Visa systems.
6. The grace period is 50 days.
7. Issued to clients of different age categories.

Negative features of the Sberbank Gold Card:

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

Sberbank Gold Debit Card

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

How to get a Visa and MasterCard gold card?

The list of prerequisites consists of two items:

1. It is necessary to have a permanent or temporary registration of the Russian Federation.
2. Reach 18 years of age.

At the same time, the possibility of issuing the 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 come to the bank branch or apply through the online service. It is not required to present certificates of income 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 gold debit card of Sberbank 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 2500 rubles, and the annual maintenance costs 3000 rubles. At the end of the validity period, the card can be restarted at no additional charge.

Advantages and disadvantages

There is reason to start by listing the shortcomings. They lie in the high cost of annual maintenance. In all other respects, only advantages can be traced. This:

• the opportunity to receive discounts and privileges from banking partners;
• 24/7 hotline support;
• good savings protection;
• the ability to use the card not only in Russia, but also abroad;
• possibility to issue an additional card;
• in case of theft or loss of the card, funds are issued on an emergency basis.

Who can get gold cards for free

The Sberbank gold card is considered very attractive for any client, however, the cost of service stops in the design. Being a regular client of the bank, there is every chance to get a Gold card for free and maintain it for free too.

The loan issued by Sberbank under a special offer implies a reduced rate - from 17.9 to 23 per annum.

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

• receive a salary through Sberbank;
• took loans here before and successfully repaid them;
• previously opened personal deposits.

In order to get a 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-salary clients, the list of papers 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 on the special offer of Sberbank. The Gift of Life card enables its owner to provide assistance to a 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 price of annual maintenance varies from 0 to 3,500 rubles.
The card was provided by the Visa system, therefore it allows holders to evaluate all the benefits of the services of Sberbank Visa Gold.

The Aeroflot product is suitable for those who often use the services of this airline. You can earn miles and exchange them for tickets. The cost of maintenance is 3,500 rubles per year. And the credit rate is 25.9%.

How to order a Visa and MasterCard gold card online at Sberbank - receipt details

The page of the official website of Sberbank provides complete information 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 Sberbank gold card (Gold Visa, MasterCard) - what it is, how to apply - in this video.