What kind of card is Master Card Gold? Visa Gold and MasterCard Gold credit cards. Advantages of Gold category plastic for payroll clients

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Visa Gold is a Sberbank credit card that has a number of advantages. First of all, its owners automatically become participants in the international payment system Visa. This status makes it possible to use incentive and support programs from Visa, which is especially important when staying abroad.

Conditions for issuing a credit card

A gold credit card from Sberbank involves receiving bonuses when you actively use the card from partner companies that are participants in the bonus system. There are quite a lot of them, they are diversified, which will allow owners to receive certain preferences when paying for purchases and services. Using this banking product is a confirmation of a certain status of the owner and the opportunity to use a number of additional services.

Visa Gold credit card from Sberbank

There are certain rules for lending in banks. This also applies to such a banking product as the Visa Gold credit card from Sberbank. The conditions for obtaining it are limited by the following factors:

Age of the potential borrower: from 21 to 65 years;
Registration on the territory of the Russian Federation: quite temporary in the territory of Sberbank’s presence, permanent – not a prerequisite;
Confirmation of income: required (certificate 2-NDFL or certificate from the pension fund, for individual entrepreneurs - confirmation of income and a certificate of registration of business activity);
Experience: required (at least 1 year total, and continuous during the last six months).

These documents are accompanied by an application for a credit card and a passport.

Grace period of Visa Gold card

An advantage for borrowers such as a grace period (or grace period) is actively used in the banking system.

Features of the grace period

The grace period of this credit card has its own characteristics that its owners should pay attention to. The Golden Grace Visa has a period:

This is an opportunity not to pay interest when using credit funds for 50 days;
It applies exclusively to non-cash transactions when paying for goods and services;
Does not apply to any method of cashing out finances and transfers through any transfers.

These conditions mean that clients do not pay bank interest during the grace period only when using a non-cash payment system.

If the owner of Visa Gold needs cash, he will either have to pay the interest accrued on the withdrawn amount or use another bank card.

Correct use of the grace period

Borrowers pay special attention to this point so that in the end they do not experience problems with repaying the loan. When using a credit card for non-cash payments, the owners do not pay bank interest on the amount used for 50 days (the duration of the grace period). A mandatory condition is the monthly repayment of the spent funds in the amount of at least 5% of the amount.

If during the grace period the limit on the card was restored, then the owner actually used the bank’s money without paying for its use. This is the most convenient option on how to use a Visa Gold Sberbank credit card with maximum benefit.

Cash withdrawal

Clients who have issued a credit card must also take into account one more feature of Sberbank’s work. For Visa Gold, cash withdrawals always come with the payment of interest.

Terms of transfer

If during the grace period a transfer was made from a credit card or a certain amount was cashed out, then bank interest will be charged on it. In this case, a payment in the amount of accrued interest is added to the mandatory monthly payment of 5% of the amount used. If the owner does not take this point into account, then a delay will arise, for which, in accordance with the agreement, interest will be charged at the rate of 36% per annum. These are the features of the grace period at Sberbank for visa gold credit cards; they should be taken into account when choosing the type of card to be issued.

Payment percentage when withdrawing cash

This is a prerequisite for transactions to withdraw funds from a gold credit card. That is, you will pay interest when:

Cash withdrawal at Sberbank's own ATMs (3%, but not less than 390 rubles);
Withdrawing money from ATMs of third-party banks (4%, but not less than 390 rubles);
Any operation to withdraw cash from a credit card (bank interest on the amount, even during the grace period).

Thus, the terms of the grace period for the Visa gold credit card do not imply interest-free cash withdrawal (some other banks provide this option).

Credit limit

The credit limit of Visa Gold Sberbank credit cards is quite large, its maximum is 600 thousand rubles. For each borrower, the amount of available funds is determined individually. An additional benefit for Visa gold card holders is that there is no overdraft cap. The daily limit for withdrawing money is 100 thousand rubles. at ATMs and 300 thousand rubles. in other ways.

Visa Gold service

Servicing the Sberbank Visa Gold credit card consists of:

In an annual payment of 3,000 rubles. (exception – special offers for existing bank clients);
At an interest rate of up to 33.9% per annum (charged on the amount used by the client monthly);
Providing a number of free services (SMS alerts, Internet banking, auto payments, telephone alerts);
In free re-issuance of the card (both early and mandatory when renewing the contract after 3 years);
In the accrual of bonuses under the “Thank you from Sberbank” program for use when servicing in partner companies, and in the provision of benefits from the international Visa system.

Conclusion

Visa Gold, a Sberbank credit card, is a high-status banking product designed for consumers conducting active financial transactions using a non-cash payment system. The undeniable advantage of this card is its support for the international Visa system during foreign tours. An extensive list of partner companies will allow owners to receive various bonuses and discounts when using funds provided by the bank.

Among this list is the Sberbank Visa Gold card, the main characteristics of which are discussed below.

Advantages of the Sberbank Visa Gold card

Like other Sberbank plastic products, the Visa Gold card has its own advantages and disadvantages. Since the Sberbank Gold Card is not an entry-level plastic card, the cost of servicing it is much higher, amounting to 3 thousand rubles. in year. The main advantage of the card is considered to be an increased program, which can be obtained by non-cash payment in. Also, holders of this card are provided with discounts on the program, as well as discounts on various events under the program.

The main advantages and privileges of the Visa Gold debit card from Sberbank:

applicable currency: euros, rubles or dollars;
issue of additional cards, including cards for children over 7 years old;
access to promotions and discounts even in other countries;
equivalent service and cash withdrawals in the Russian Federation and abroad;
reliable protection using an electronic chip;
use as a salary card.

Since Sberbank Visa Gold is a premium card, no subscription fee is charged regardless of the card chosen. The service will be useful to those clients who also carefully monitor money transfers made using the card.

Limitations of the Sberbank Visa Gold card

The Sberbank Visa Gold card, like other plastic cards, has some restrictions, for example, a limit on cash spending. For Visa Gold Sberbank the following are established: for a monthly period - 3 million rubles, and for a day - 300 thousand rubles. If the daily limit is exceeded at the time of transactions, the bank charges a commission. Its size is: in Sberbank devices and cash desks - 0.5% of the amount; 1% - at ATMs and terminals of other banks.

The card is valid for 3 years. At the end of this period, you can close the account, order or extend the existing contract. You can replace your current card before its expiration date, without paying a fee.

Visa Gold card replenishment options:

The popularity of Sberbank's classic and gold debit cards, in particular, is due to the fact that this type makes it possible to take advantage of all the benefits of banking services remotely, and also provides a number of bonuses.

Pros and cons of gold debit cards

Gold status cards are created to highlight their holders and indicate a special social status. Gold level cards have both advantages and disadvantages.

Benefits of a Gold Debit Card

Advantages:

Accounts are typically opened in one of three currencies. This is either the Russian ruble, or the American dollar, or the euro;
card forms provide contactless payment with Mastercard and Visa, as well as Apple Pay, Samsung Pay, Google Pay;
usually the issuer offers free SMS information about all movements of funds in the account;
freedom of payment in any part of the world at any point of sale that works with non-cash payments, in any currency at any time of the day;
the ability to make online purchases;
increased limits on transactions, including cash withdrawals;
security of operations ensured by an appropriate three-level security system;
no need to declare funds when traveling abroad;
access to promotions organized by the relevant payment system;
receiving a minimum list of medical services while traveling abroad;
access to VIP lounges;
the ability to book a hotel room by phone;
Most banks offer additional cards to the main ones. In this case, additional cards are endowed with all the privileges assigned to the main one.

When using a particular card in Russia, its advantages are determined, to a greater extent, not by the payment system, but by the policies of the financial and credit organization that issued it.

Gold Debit Card Problems

The main disadvantages of cards with gold status are that the privileges provided to their holders are best demonstrated only when traveling abroad, and also that various preferences (bonuses and discounts) can only be obtained in premium stores.

Other disadvantages:

short validity period of the card form – most often it is 2 years;
expensive ownership - from 3,000 rubles per year for the main card form, from 2,500 rubles for each additional one;
reissues are often paid for.

Advantages of VISA Gold cards

discounts, gifts and special treatment from friends of the payment system;
50% discount on the purchase of a Priority Pass loyalty card, and some issuers provide it for free;
reliable 3D-Secure level protection - Verified by Visa;
support in your native language in emergency situations related to health and legal issues;
GCAS – emergency support in case of loss of a card (blocking it, re-issuing it, one-time payment of an amount up to $5,000).

Advantages of MasterCard Gold cards

three-level protection system for transactions on card accounts Mastercard SecureCode;
premium program “Priceless Cities”, which helps you find the most interesting places while traveling and receive various preferences when visiting them;
money transfers in the social networks Odnoklassniki and VKontakte.

Sberbank Gold Debit Card

Sberbank elite cards are cards:

MIR Gold;
MasterCard Gold and Visa Gold;
Aeroflot Visa Gold.

What is the difference between a Sberbank gold card and a regular one?

The bank's gold cards differ from classic ones in the following ways:

Gold status means more expensive annual service;
premium card forms have a corresponding appearance;
increased limits on transactions;
special service, expressed in the accelerated reception of requests to a multi-channel telephone line;
more significant bonuses under the “Thank you!” program;
free cash issuance in emergencies;
if a card form is compromised, urgent reissue is free;
open access to premium programs of Visa and MasterCard payment systems for the Gold level;
free Mobile Banking.

The increased coefficient applied when calculating “Thank you” bonuses for premium customers also applies to purchases abroad.

Features of the Sberbank gold card

A significant advantage of this bank’s products is thoughtful and accessible customer support, implemented through:

wide ATM network;
24/7 support via multi-channel number 900;
Internet banking “Sberbank Online”;
mobile application;
mobile banking.

The daily limit for receiving free cash is 300,000 rubles, the monthly limit is 3,000,000 rubles. Sberbank gold cards can be easily linked to electronic wallets, for example, Yandex.Money or Webmoney. The planned issue is carried out free of charge. There is no custom design available for these products.

Receiving cash from machines and cash desks of third-party banks - 1.25%, but within the range of 30 - 1,000 rubles.

Sberbank Gold Card: discounts in stores

Sberbank is implementing a bonus program “Thank you!” . According to its terms, gold card holders receive up to 5% cashback, which can be used to pay in stores friendly to the bank. It is also possible to receive up to 20% discounts for non-cash payments from bank partners.

Sberbank gold card “Give Life!”

According to the terms of the product “Give Life!” 0.3% of each check goes to charity, to the “Give Life!” Foundation.

The card currency is exclusively Russian ruble. The card form is valid for 3 years.

Sberbank MIR gold card

The MIR card is intended for use in the domestic market. The form is protected from counterfeiting by a hologram, a built-in chip, and supports contactless payment technology.

The validity period of the form is 5 years. You can connect a transport application. Emergency cash withdrawal is not provided.

There is the possibility of issuing within the framework of salary projects, under the terms of which the service fee can be paid by the employer.

Among the disadvantages of the card are the inability to pay:

telephone;
abroad;
in online stores that do not accept this type of card.

MasterCard Gold and Visa Gold

MasterCard Gold and Visa Gold card accounts are opened in US dollars, euros or Russian rubles. The form is valid for 3 years.

When submitting an application for MasterCard Gold and Visa Gold before December 31, 2019, a 50% discount on the first year of ownership is provided.

Aeroflot Visa Gold

The main advantage of the Aeroflot series is access to participation in the corresponding air carrier program. For every 60 rubles spent, 1.5 bonuses are awarded. When opening an account, you will be presented with 1,000 welcome miles. The reward can subsequently be used to pay for tickets for flights of Aeroflot and its partners.

The form is valid for 3 years. The account can be issued in Russian rubles, American dollars or euros.

How much does the annual maintenance of a Sberbank gold card cost?

The cost of using cards varies slightly depending on their type:

"Gift a life!" - 4,000 rubles in the first year of ownership and 3,000 for each subsequent year. Additional card - 2,500 rubles;
MIR Gold – 3,000 rubles for the main card and 2,500 rubles for each additional card;
MasterCard Gold and Visa Gold - 3,000 rubles ($100 or 100 euros) and 2,500 rubles ($75 or 75 euros) for the main and additional cards, respectively;
Aeroflot Visa Gold for the main card - 3,500 rubles ($120 or 120 euros) and 3,000 rubles ($100 or 100 euros) for an additional one.

How to get a Sberbank gold card

You can receive a Sberbank gold card at any of its branches. They order the issue both at the bank’s office and on the website or application.

When receiving the form, it is important to present your passport. If another person must pick up the card, a power of attorney is issued in his name. He is also required to present a passport.

The product is available to citizens over 18 years of age. Additional cards, with the consent of the legal representative, are opened starting from the age of 7.

Alfa-Bank gold debit card

At Alfa Bank you can find 3 options for Gold level cards.

"Alpha card" MasterCard Gold or Visa Gold is:

free annual maintenance;
withdraw cash from any ATM without commission;
cashback up to 2%;
remote services – Internet banking, mobile application;
up to 6% per annum on account balance.

Aeroflot Bonus MasterCard Gold card is:

1,000 welcome miles;
1.5 Aeroflot Bonus miles for 60 rubles ($1 or 1 euro) and 1 mile for every 200 rubles ($30 or 30 euros) on your AeroPlan account;
using bonuses to pay for air tickets, hotels, and car rentals;
the ability to exchange economy class tickets for business class;
annual maintenance – 2,500 rubles.

"Russian standard"

Russian Standard Bank branches accept applications for MasterCard Gold and Visa Gold cards.

Advantages:

the account balance is charged up to 5.5% per annum;
an additional card is provided and serviced free of charge;
there is a cashback of up to 15% from bank partners and 5% in 3, selected from 7 available, purchase categories, as well as 1% for other expenses.

Flaws:

when withdrawing cash from the machines of other banks, the commission will be 2% (minimum 100 rubles), and for an amount over 500,000 rubles - 3%;
Card issue and maintenance depending on the chosen tariff - 3,000 rubles per year or 299 rubles per month.

"LocoBank"

At LocoBank you can get both Visa Gold and MasterCard Gold cards.

Advantages:

cashback up to 5%;
account maintenance fee – 0 rubles;
free SMS information;
Interest will be charged on the account balance - up to 7% per annum;
free issue of 1 additional card.

Flaws:

It is imperative to comply with the requirement for a minimum account balance of 20,000 rubles;
withdraw cash from the machines of other financial institutions – 1% (minimum 100 rubles);
limited network of own self-service devices.

"HomeCredit Bank"

Visa Gold and MasterCard Gold cards are available to HomeCreditBank clients.

Advantages:

0.2% per annum is accrued daily on the account balance;
The card can be obtained from 14 years of age;
cashback up to 8% from bank partners.

Flaws:

SMS package – 1.5 euros or 1.5 US dollars per month;
Visa Gold is available with an account only in US dollars, and MasterCard with an account in Euros;
commission for receiving cash from third parties – 3 US dollars or 3 euros;
card issue – 25 US dollars or 25 euros.

Rosselkhozbank

Rosselkhozbank has developed a Visa Gold Putevaya card. It is also possible to obtain a card of this level as part of a salary project or the “Personal” tariff plan. In the latter case, maintenance will cost 2,000 rubles per year.

Advantages:

validity period – 3 years;
the commission for issuing a card, including an additional one, is 299 rubles. Holds 1 time;
there is a loyalty program “Harvest”, which allows you to receive discounts and cashback in the form of bonus points, which can be exchanged for surprises from a special catalog, as well as for paying for tickets (air and railway), for car rentals and paying for hotels;
In the first 2 months of use, a coefficient of 2 is applied when calculating bonuses.

Flaws:

The minimum turnover on a Putevoy card account, when servicing active users is free, is 50,000 rubles. Otherwise, owning the product will cost 300 rubles per month;
receiving cash from other banks or their self-service devices – 1% (minimum 100 rubles).

"Saint Petersburg"

The Gold card at Bank St. Petersburg is issued within the framework of the MasterCard and Visa payment systems.

Advantages:

maintenance of the main cards of salary projects is free;
free insurance for foreign voyages.

Flaws:

maintenance (for 1 year of ownership) – 3,000 rubles, if the card was issued to pay off a loan, then 1,500 rubles;
each additional card will cost 1,500 rubles for 1 year of use;
if technical debt arises, the commission will be 0.1% per day.

"Vanguard"

Avangard Bank issues MasterCard Gold and Visa Gold cards.

Advantages:

with an average monthly turnover of over 20,000 rubles, the service is free;
Card validity period – 3 years;
free internet banking.

Flaws:

if the average monthly turnover requirement is not met, annual maintenance will cost 3,000 rubles ($150 or 150 euros);
There is insurance for traveling abroad, but it requires additional payment.

"AK Bars"

Ak-Bars offers only MasterCard Gold.

Advantages:

5% per annum is charged on account balances over 500,000 rubles. If the specified parameter is within the range of 100,000 – 500,000 rubles – 3%;
it is possible to pay for travel with a discount card on public transport in some cities of the Republic of Tatarstan;
discounts and bonuses from more than 300 bank partners;
free SMS informant and internet banking.

Flaws:

This is a regional bank whose clients enjoy the most favorable terms of service only within the Republic of Tatarstan. Ak-Bars also has partners in other regions, but there are relatively few of them;
The validity period of the card form is 2 years;
commission for receiving cash at cash desks and machines of other organizations - 1%;
annual maintenance – 3,000 rubles ($60 or 60 euros);
each reissue – 3,000 rubles.

"Eastern Express"

Orient Express Bank offers “Card No. 1”. This is Visa Gold.

Advantages:

the cost of ownership is minimal - 99 rubles for 1 month;
it is possible to issue an additional card, including for children;
cashback – up to 40% for purchases in online stores and up to 5% for non-cash payments;
The account balance will be charged up to 7% per annum.

Flaws:

reissue for any reason is paid - 1,500 rubles;
the initial issue costs 1,500 rubles. The additional card is provided free of charge.

"Raiffeisenbank"

At Raiffeisenbank you can order both MasterCard Gold and Visa Gold.

Advantages:

the bank has many partners in Russia and Europe, which reduces the costs of its clients abroad;
free SMS notifications and online banking;
5% cashback at gas stations;
free insurance for all family members of the card holder from AlfaStrakhovanie OJSC when traveling abroad;
up to 4 additional cards are issued;
more than 4,000 bank partners give discounts of up to 30% to its clients;
priority service at the issuer's offices;
A Priority Pass card is provided free of charge, giving access to airport business lounges.

Holders of MasterCard Gold from Raiffeisenbank, even abroad, can withdraw cash for free if they use the devices of banks belonging to the Raiffeisen Bank International group.

Disadvantage: card servicing fee – 3,500 rubles (3,000 rubles for each additional one).

"Renaissance"

Bank Vozrozhdenie can provide both Visa Gold and MasterCard Gold cards.

Advantages:

the cost of servicing both products is 2,500 rubles ($70 or 70 euros) for 1 year;
Several options for issuing cards are offered, including for participants in salary projects. For the last category the service is free. If a participant in the salary project has issued an additional card, he will pay 750 rubles per year for it.

Disadvantage: the tariffs say that re-issuing a card, regardless of the reason, costs 3,000 rubles ($100 or 100 euros). The service is free for participants of the salary project.

Bank of Moscow (VTB)

Bank Moscow offers exclusively MasterCard Gold cards.

Advantages:

low cost of servicing the main card - 2,500 rubles ($45 or 40 euros), as well as additional cards - 1,250 rubles ($25 or 20 euros);
it is possible to connect to the “Deposit” tariff plan, then for owning the main card it is enough to pay 600 rubles ($11 or 10 euros) annually, and for an additional card - 2 times less - 300 rubles ($5 or 5 euros);
availability of more than 330 self-service devices of partner banks in Russia and abroad.

Flaws:

paid SMS notification – 50 rubles ($1 or 1 euro);
The form is valid for 2 years;
In accordance with the tariffs, under certain conditions, receiving cash may be subject to a fee.

The bank charges an additional fee for maintaining the account. Depending on its currency - 600 rubles, $11 or 10 euros.

"Gazprombank"

Gazprombank issues 4 types of Gold level cards:

Visa Gold;
MasterCard Gold;

According to the tariffs, the cost of owning a gold card will cost 3,500 rubles per year. This amount is withheld for each additional card and for the reissue of each form upon expiration of its validity period. You can save in two ways:

refuse additional insurance services for those traveling abroad. Then the price of ownership will be reduced to 2,800 rubles;
order a reissue of the card due to the loss of the form or its damage, as well as due to problems with the PIN code. Then the service will cost 1,800 rubles.

Advantages:

there is the possibility of issuing an additional card;
wide selection of specialized products. For example, the Gazprombank – HC SKA MasterCard Gold card gives the holder a 10% discount on purchasing tickets for HC SKA matches, as well as their branded goods, on the club’s website;
under certain conditions, it is possible to receive up to 2% cashback;
Those traveling abroad are provided with a free insurance policy from JSC SOGAZ with coverage of 100,000 US dollars. Its validity period coincides with the card's validity period.

Flaws:

Card forms are valid for 1 or 2 years. Then you need to issue a reissue;
when receiving cash from third-party banks, the commission will be 1.5% (at least 150 rubles). Service at branded ATMs is free;
small limits on cash withdrawals - 200,000 rubles (3,200 US dollars) per day or 1,500,000 rubles (24,000 US dollars) per month.

The best premium cards 2019

The best gold bank cards are products:

Sberbank, which has a developed network of representative offices and self-service devices, providing the widest range of preferences;
Raiffeisenbank, which has close ties with European financial and credit institutions, which is beneficial for those who often travel to Europe;
"Ak-Barsa". The card is of interest to residents of the Republic of Tatarstan;
Rosselkhozbank, aimed at those who prefer non-cash payments and make them in large quantities;
"Gazprombank", designed for hockey fans and those traveling around East Asia.

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

What it is?

The Sberbank Gold Card is a card that allows you not only to spend money, cash it out, transfer it, save it or invest it, 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 took care of giving its regular customers a pleasant bonus for using the services of this bank. The benefits of Visa Gold and Mastercard Gold allow people to not only conduct financial transactions faster and more conveniently, but also save money and make donations to charity.

Sberbank of Russia issues gold cards in these forms:

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

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

How is it different from the usual one?

The capabilities of a regular and gold card differ from each other. Regular and gold cards are either debit or credit. Actually, a debit and a credit card 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, interest-free loan repayment is possible within 50 days. Also, for users of a Gold credit card, free service is possible, and for an ordinary card there is always a standard amount (except for pension cards).

Also, Aeroflot cards allow people to accumulate bonuses when paying for plane tickets and subsequently exchanging them for other tickets of this company. Gift of Life cards allow you to transfer amounts to charity.

This happens as follows: Having paid 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 advantage of 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. You can receive money in your hands at any bank upon presentation of an identification document.

With the Gold card, a person is given 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 the card.

How to accumulate and use bonuses THANK YOU

But if debit cards can be issued by any resident of Russia, then getting a credit card is a little more difficult, you need a larger list of documents, 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 to access.

The only privilege of a regular credit card from a gold one, 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 - for those who always pay in cash.

Profitable to use

How to get a gold card?

Depending on what you want to process, there will be different requirements and a package of documents that must be provided to the bank. Let's 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;
have permanent registration.

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

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

Credit

To apply for a Gold credit card you must:

be between 21 and 65 years of age;
have Russian citizenship and registration;
have at least one year of work experience (you must have worked at your last job for more than 6 months).

You can submit an application on the official website or directly at a bank branch, but you will still have to come there. When receiving the card you must present:

passport;
a photocopy of the work book;
certificate in 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 paid loans late, took them out and did not return them for a long time, or did not return them at all, then the application will be denied.

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 salary clients who receive a salary or pension from Sberbank.

Video:

Terms of Use

For owners of a gold credit card there are many advantages in using it:

Although the card is not unlimited, the maximum amount of money borrowed on credit is 600 thousand rubles;
the daily cash withdrawal limit reaches 300 thousand rubles;
When taking out 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;
loan interest rate up to 33.9%;
annual maintenance cost 3 thousand rubles;
more bonuses under the “Thank you from Sberbank” program.

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

24-hour customer service at the bank’s contact center;
the ability to withdraw money abroad if the card is lost;
receiving bonuses from the “Thank you from Sberbank” program;
linking cards to electronic wallets.

Cons and pros

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

	pros	Minuses
Debit card	the opportunity to receive discounts at partner stores;	annual card maintenance costs RUB 3,000;
	issue of additional cards;	Annual maintenance of each additional card costs RUB 2,500.


	money is accepted without commission;
	You don’t need to pay a commission to withdraw cash;
	high degree of protection;
	monthly withdrawal limit RUB 3,000,000;
	daily withdrawal limit is RUB 300,00.
Credit card	high degree of protection;	when withdrawing cash, Sberbank charges a 3% commission, other banks – 4%;
	allowed to use funds in all countries of the world;	When withdrawing cash on credit, interest is accrued immediately;
	urgent issuance of money if the card is lost;	annual maintenance – 3,000 rubles;
	you can pay for purchases in any currency;	there is no chance to issue an additional card;
	interest-free loan repayment within 50 days;	the annual percentage is 27.9%.
	more bonuses and promotions;
	24/7 communication with the bank;
	you can pay for purchases contactlessly;
	free mobile banking;
	you can get a card with free service (for regular customers);
	a special offer allows you to reduce the loan interest to 17.9% and 23% per annum;
	cash and non-cash card replenishment;
	accepting funds without commission;
	Auto payments are allowed.

It is immediately clear that gold cards have much more advantages than disadvantages. The price for service may seem high to some, 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 that amount is donated to charity. The card can be free, or the bank will charge 3,500 rubles for service; the bank reserves the right to choose. The card is issued only with the Visa payment system.

gift a life

Aeroflot

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

Aeroflot

Is it worth taking a gold card?

Sometimes bank clients don’t understand why people buy a credit or debit gold card when they can use a regular one and not pay commissions and service fees. But gold cards provide more savings than you might think. For people who make purchases on the Internet and often deal with money that is temporarily unavailable, 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 expenses.

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

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 various types. 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 its characteristics are and how it is beneficial for the owner.

Well, we should start with the fact that it belongs to the “elite” category. Sberbank does not offer a Gold Card to every user, but only to respectable borrowers and active depositors.

A gold card is beneficial for several reasons:

It is serviced 24 hours a day at the Sberbank Contact Center.
Due to the electronic chip, the money on the card is well protected.
If lost, it can be restored from any country in the world.
The gold card can participate in the “Thank you” bonus program from Sberbank.
It is possible to enable the “Autopayment” function.
If necessary and desire to control the flow of finances, you can use the services of the Sberbank Online and Mobile Bank systems.
Holders of a Sberbank gold card can participate in programs of privileges and discounts conducted by MasterCard and Visa.
There are several ways to replenish your account.
With such a card you can pay for services and purchases not only within Russia, but also far abroad.

The logical conclusion suggests itself that this card is suitable for those who travel a lot around European countries. A Sberbank gold card anywhere in the world will allow you to get a discount on hotel stays, 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 funds. At the same time, all privileges that one or another type of product used remains in force.

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

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

MasterCard Gold card.
Visa Gold card.
Gold visa “Gift of life”.
Aeroflot Gold visa.

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 of validity is three years;
the duration of the grace period is 50 days;
connection to 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:

Sberbank Visa Gold Aeroflot credit card allows you to make profitable purchases and accumulate miles that can be exchanged for airline tickets of this company;
The Gift of Life Visa Gold card involves transferring funds to a charitable foundation. As a rule, the contribution is 0.3% of the funds spent by the user.

How to apply for a gold credit card?

In order to get a Sberbank credit card, you must meet the following requirements:

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

The form must be filled out both at a 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 form 2-NDFL;
a copy of the work book.

The submitted application will be reviewed within two working days. The maximum possible credit limit and the interest rate on it are determined by the lender individually.

Only the following can receive the largest amount at a loyal percentage:

salary card holders;
bona fide borrowers,
active investors.

At the same time, past credit history, in conjunction with monthly real income, is also necessarily studied.

What does the Visa Gold card provide?

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

You can withdraw money from a Sberbank gold credit card at ATMs of any bank. The commission of the native Sberbank is 3%; ATMs of other banks will charge 4% for cash withdrawals.

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 borrowed without paying interest. However, this does not apply to cash withdrawals. It is typical 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:

Contactless payment technology is supported.
A high level of protection is provided.
A high limit has been set.
Free Mobile Banking available.
There are bonus programs from the worldwide MasterCard and Visa systems.
The grace period is 50 days.
Issued to clients of different age categories.

Negative features of the Sberbank Gold Card:

a high loan rate limit has been set;
annual maintenance is more expensive than other cards;
There is no interest-free cash withdrawal for transactions.

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 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 Visa and MasterCard gold card?

The list of mandatory conditions consists of two items:

You must have permanent or temporary registration of the Russian Federation.
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 come to a bank branch in person or submit an application through the online service. Providing income certificates and other proof of solvency is not required. Details are on the bank's page.

At the moment, you can use 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 fee is 2,500 rubles, and annual maintenance costs 3,000 rubles. After the expiration date, the card can be restarted without additional payment.

Advantages and disadvantages

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

the opportunity to receive discounts and privileges from banking partners;
the ability to use hotline support around the clock;
good protection of savings;
the ability to use the card not only in Russia, but also abroad;
the ability to issue an additional card;
If the card is stolen or lost, 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, but the cost of service is a deterrent. As a regular customer of the bank, there is every chance to get a Gold card for free and maintain it for free too.

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

This offer can only be received by those Sberbank clients who:

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

In order to receive a gold card for free, you must:

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

For non-salary clients, the list of papers includes a certificate of income and confirmation from a permanent place of employment.

Co-branded gold cards

The Sberbank series of 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 according to a special offer from Sberbank. The “Gift of Life” card allows its owner to provide assistance to a charitable foundation of the same name. For this purpose, the bank transfers 0.3% from each amount spent to the fund’s account. The minimum loan rate is 25.9 per annum, and the price of annual servicing varies from 0 to 3,500 rubles.
The card was provided by the Visa system, so it allows holders to appreciate all the benefits of Sberbank Visa Gold services.

The Aeroflot product is suitable for those who often use the services of this airline. You have the 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 a Visa and MasterCard gold card online from Sberbank - details of receipt

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 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 for it - in this video.