Updated: April 2019
Modern society does not think of his life without plastic cards. Sberbank of Russia offers its customers various products.
We'll figure it out that it is a gold credit card of Sberbank, which is different from others, and consider the main conditions for its use.
Navigation on the article:
What it is?
First of all, such a map is a product of a premium class, emphasizes the high status of the owner, its consistency and solvency.
Banks give gold cards only to proven and conscientious customers.
Credit gold cards have all the functions of standard plastic Sberbank cards, but at the same time give some advantages to their owners:
- Service in the Sberbank Contact Center around the clock.
- The ability to make money from a loan account at the loss of credit cards abroad.
- The ability to conduct operations on the details of the map (email or phone).
How to get a gold card?
Any citizen can independently order design.
To obtain a debit card, the applicant must be aged 18 and have registration in the Russian Federation.
The conditions for obtaining a credit card are slightly different:
- Citizenship of the Russian Federation.
- Age from 21 to 65 years.
- Permanent or temporary registration in the territory of the Russian Federation.
You cannot arrange an online card, you can only apply on the Sberbank website, specifying passport details and telephone, after which you will contact you a bank employee for detailed survey.
The decision on the issuance of a credit rate is preliminary.
The card itself is drawn up only after contacting the department of the bank, where it is necessary to fill out and sign a statement application.
Together with the questionnaire, you will need to provide a passport, a certificate of financial condition and a document confirmation of work.
Within 2 working days you will notify whether the map is approved for you.
Often the banks themselves offer gold maps on special conditions to customers who satisfy them. Such conditions are more profitable.
You can get free maintenance, reduction of credit percent or an increase in limits.
You may be offered a pre-perfumed card on special conditions if:
- You are the owner of the "salary card", that is, you receive a salary or pension to Sberbank card.
- You have a debit card or contribution to Sberbank.
- You took and successfully returned a loan in Sberbank, in general, have a positive credit history.
Conditions and tariffs
The gold card is a debit and credit, in addition, it varies with payment systems.
Gold Visa is more common than mastercard. But abroad it is more profitable to use the master cards, since she has less additional commissions.
Mastercard 
Visa.
Programs of discounts and privileges for premium cards, see the websites of payment systems. The rest is up to 2017 the information is collected in the tables below.
Debit
Credit
After you have learned all the conditions for using the Golden Card, I would like to emphasize your attention at the main points.
Receipt and activation
The term of making a card depends on the region of the applicant and many other factors. Usually it is done in 7-21 days.
To get you will have to appear in the office. Upon hand, you must verify that your name and surname on the map are correct, and on the back of the plastic to put a personal signature.
The new card is blocked, the bank employee must activate it in the bank base.
A day after that you can start using it.
How to use?
Pay credit card goods and services. At the end of the month, the bank will form a report on the funds used, after which you can repay the debt within 20 days, or pay the percentage, and leave the debt for the next month.
The minimum payment depends on how much you have spent and what your card has a percentage rate.
If you are difficult to navigate, there are special sites on the network, where you can drive your credit card to the calculator, and you will calculate payments.
The bank provides the following ways to pussyniya:
- Cashless translation from debit card and from other accounts.
- Cash in payment terminal or ATM.
- Through MasterCard Moneysend and Visa Direct services.
- Replenishment of the card to the Sberbank branch using an employee.
You can find out how much money on the Golden Map you can by requesting the balance through the mobile bank, in the terminal or ATM, as well as through Sberbank online.
If you decide to stop using the credit card, you need to pay off all debt and contact the Sberbank Department to close the account.
Grace period
The so-called grace period, during which you can use the means for free, ranges from 20 to 50 days. Each card has a report to compile a report - the day in which the means spent over the month and interest are calculated. After the date of the report, a new reporting period begins.
Within 20 days from the end of the reporting period, the client can fully repay the debt over the past month and it does not have to pay interest. If you make operations at the beginning of the reporting period, the period of interest-free period will be greater if at the end is less.
These conditions apply only to non-cash payments.. If you want to remove cash, as well as when transferring funds to other accounts, interest will be charged from the moment of translation.
Loyalty programs
Golden credit card can participate in the program "Thank you from Sberbank" loyalty. To do this, you need to connect a program in an ATM, Sberbank online or through a mobile bank.
The program is a cache.
- In the exercise of any purchases and payments on the map, bonuses will be accrued in the amount of from 0.5 to 50% of the purchase amount.
- The obtained points may be partially or fully paid the price of goods from the Sberbank partner at the rate of 1 point \u003d 1 ruble.
You can use bonuses within 36 months from the date of their receipt.
Finally, I would like to list all the minutes and the advantages of the possession of the Gold Cancer Card ↓
If the Classic and Standard categories have ceased to satisfy your needs if you have a need for a status card with a large limit that you can pay both in Russia and in other countries, and if its shortcomings are not frightened, then Mc and Visa Gold will suit you.
