Credit Card Sberbank Visa Master Gold Conditions. Visa Gold and MasterCard Gold credit cards. Debit visa and mastercard Gold

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

Many Russians who enjoy bank cards of the entry level and classical, think about the acquisition of the "golden" plastic.

What is ready to offer a bank to its customers than so good gold card Sberbank, what are these advantages and minuses?

Advantages of plastic category Gold for salary customers

Many Get the card only by the individual offer from the bank- in the presence of a contribution to accounts, or active and accurate use by credit products.

"Golden" cards give out owners of IP, employees of enterprises located on salary service, general Directors And in general, customers who have a confirmed high income.

NOTE! The GOLD category map on the individual offer from the bank is manufactured and serviced for free.

"Golden" category allows its holder to enjoy an extended package of bonuses and privileges. Among them are increased, insurance when traveling abroad, and the possibility of urgent removal of funds in someone else's country with a sudden loss of the card. And it is only part of the bonuses.

On the pages of our site you will also learn how, and how profitable for his suggestions!

Credit offers

"Golden" credit card from Sberbank is an explicant indicator that you took place as a client.

Such plastic offer only loyal payerswho closed more than two loans without a single delay, or persons receiving salary more than 50 thousand rubles per month.

And also Gold gives deposit holders, the amount of which exceeds 500,000 rubles.

To obtain a card issued by the individual proposal from the bank, no need to confirm income and employment - Enough to sign credit contract, and activate plastic.

If you appeal to the "golden" credit card "from the street", and are not a customer of Sberbank, you should not count on these conditions. Yes, and income will have to confirm.

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

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

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

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

Opportunities and advantages of debit cards

For those who want to get bonuses, have an increased and gain interest on the balance of their funds in the account, gold will be suitable debit cards.

Benefits: Advanced package privileges, convenient management, fast credentials, replenishment of an SMS account, the ability to create a loyal client to lending to large sums in the future.

disadvantages - Annual service fee.

Golden plastic is an indicator of your well-being, and will be one of the tools for confirming solvency when lending in another bank.

Fans often travel abroad will be happy to exchange currency between accounts at a preferential rate.

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

Service: 3 000 rubles per year.

Contactless payment: Yes, for Visa.

Bonuses, privileges, the cost of annual service

Surely you have already become interesting - what bonuses and benefits offers Sberbank gold maps holders - Let's see:

• Free insurance for leaving abroad;
• The ability to arrange affiliates "Give Life!" Map, with each purchase, on which funds will be transferred to the fund for children, patients with oncology;
• preferential medical service;
• discounts of more than 20 thousand shops, restaurants, hotels (information about them can be found on the websites of payment systems);
• Additional protection of funds on account;
• Participation in the program "Thank you" - copy points by paying for their purchase and entertainment from partners;
• Extra money issuance when losing a card abroad.

It is useful to know: removal of funds in Sberbank ATMs occurs without a commission, the card can be tied to electronic wallets.

And finally - "Golden" card is a privilege of a bank for favorite customers. Get an expanded list of bonuses for free, or anticipated plastic with a limit up to 600 thousand - of course, nice.

Conditions for receiving how to place online

You can arrange a "golden" card, provided that you approach the requirements set by the bank for this category of plastic.

Firstly, necessarily the presence of permanent registration in the Russian Federation(Conditions without citizenship or non-registration will be denied the product).

Secondly, age - from 21 years, presentation of documents (passports, certificates of income and copies labor book) If you are a new client.

There are two options for how to order and get the "Golden" Card Sberbank:

• Leave an application for making on the site online;
• Fill out a statement in the bank branch.

The first is more convenient and mobile, Especially for those who have a personal cabinet Sberbank. Just just enter it, select the type of map you are interested in and click the "Order" button.

After the manufacture of plastic, you will receive an SMS notification, and the card can be taken in the department.

Second option - go to the nearest office "Sberbank", And leave an application for making a map there. It will take it no more than 15 minutes.

The bank decides on the release within 2-3 days, and manufactures the nominal gold card. Immediately after his transfer to the desired office, you will be sms that you can approach and get a card.

The map is stored in the department of 30 days, if during this time the client does not take it, the plastic is destroyed.

If you have left an application for a debit card - you will need to present a passport and a second document; On credit card - passport, second document, certificate of income and a copy of the discharge and employment record.

Terms of use

Before use your new card It is necessary to activate.

To do this, you can wait until the operation is performed by the bank itself (within 24 hours from the date of the signing of the contract of service) or hold the first transaction using the PIN code.

Managers in the department help customers with independent activationFor which an ATM or a payment terminal is usually used.

At the expense of the card, the fee for annual maintenance and at the same time activation occurs. After you can pay for shopping in stores, shopping centers, Internet, withdraw cash and transfers.

ATTENTION! According to the "golden" cards, confirmation of all transactions with the help of a PIN code, which is issued with plastic.

Plastic - fragile thing, you need carefully store your debit. Do not damage the magnetic strip, do not let the map in other people's hands.

In the case of losing a map or pin-code, immediately call the hot line of Sberbank and block it.

Replenishment, cash removal

To use your new payment facility, you must replenish the bank account.

You can do this in the following ways:

• Translate funds through mobile Bank SMS;
• make them through an ATM or payment terminal;
• replenish an account in the office at the checkout;
• make a translation from another bank;
• Off cash on a card with an electronic wallet.

On the credit card the means already there, but every month you need to make payments to debt.

The easiest and fastest, given the huge number of their number - to make money through an ATM with cash receiving function.

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

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Visa Gold and MasterCard Gold bank cards are usually intended for persons who have a high level of income and are often visited. foreign states. Such customers have increased service quality requirements, and they are willing to pay for this level. Golden cards are issued by the bank not immediately, first you need to become at least a permanent client.

International payment system Visa International has developed quite a lot of proposals that act in different countries It is for Visa Gold cardholders. On the Russian website www.visa.com.ru, you can learn in detail about these services. Among the offers are: first-class shopping, unique travel, expensive restaurants, great rest and much more. Each owner of the card will definitely find for himself what he needs.

List of advantages and privileges for VISA users are replenished with new exclusive offers.

All the latest innovations and actual information is published on the official website www.visapremium.ru in Russia.

Owners "Gold" cards also have an extended range of services. It consists in the fact that customers can choose convenient suggestions for themselves, both in our country and abroad, for example, it is:

Discounts, when calculating the card;
- receiving gifts, when purchases in boutiques, in hotels, restaurants, when renting a vehicle;
- Getting invitations to closed fashion shows, sales, various cultural events.

In order to take advantage of these suggestions, you need to pay for MasterCard Gold card as often as possible in partner companies.

There is a MasterCard collection - Favorites. It has interesting offers from bank partners (hotels, restaurants, beauty salons and others).

Other Benefits of Visa Gold and MasterCard Gold

Advantages of banking masterCard cards GOLD and VISA GOLD can also be called the following:

Payment of goods and services via the Internet;
- payment of goods and services worldwide in trading services that take such cards;
- Warranty when booking hotels, lease vehicle and ordering other services;
- SMS banking, Internet banking, SMS alert;
- receiving cash through ATMs and terminals;
- Blocking the card, when it is loss to ensure the safety of funds on the balance sheet.

Golden bank card Sberbank attracts users with its status and advantages that distinguish and distinguish this product from the main line.

Golden Sberbank card in the hands of a client without words speaks of his material supply, allows you to use privileges and individual conditions. What - tell me in detail in today's review.

What is a gold card of Sberbank of Russia?

This is a preferred card with high level service, a wide range of services and discounts for premium clients visa and master Card.

Available in both debit and credit option.

What does the Golden Card Sberbank look like:

Golden debit card Sberbank characteristic:

Golden banknotes Sberbank has a middle of a green strip:

What gives the Gold Card Sberbank?

Golden Card Sberbank gives privileges available only to premium customers:

• Discounts and bonuses from partners visa systems and MasterCard;
• Increased daily and monthly cash issuance limits;
• Service 24 hours a day, 7 days a week;
• The service is the fast cash issuance during the loss of the card by abroad;
• Emergency services GCAS (support abroad);
• Medical and legal support in emergency situations;
• Obtaining cash abroad in subsidiaries on "home" tariffs;
• Protected mode of operations using 3D-Secure technology;
• Increased level of financial security;
• Individual service in offices.

Debit visa and mastercard Gold

Sberbank produces "gold" in the form:

• Standard visa and mastercard Gold
• Visa Gold Aeroflot Sberbank (+ privileges from air carrier)
• Visa Gold "Give Life" (+ participation in a charitable program)

If desired, your employer can be ordered golden salary card Sberbank, if its advantages are needed to you for frequent business trips abroad.

Gift Golden Card Sberbank for your family member can be released in addition to the main account with an individual limit.

Golden Sberbank Card: How much is this pleasure?

Economy lovers will definitely ask the question: How to get a Gold Card Sberbank for free? Very simple: This card has no charge fee. But the cost of service is another conversation.

Golden card service costs 3000 rubles per year.

As you can see, enjoy the status card is expensive. Are such expenses are justified - to solve you. At the same time, "GOLD" is not the highest level. If you evaluate the advantages of the Gold Card Gold Card exactly as the status card - pay attention to the Visa Premium Sberbank.

Discounts in stores

Gold Card Sberbank - Discounts in which stores does she give? And how justified their size?

The list of partners of the visa systems and the master Card, as well as the size of discounts, is updated regularly. Here are the most interesting of them for August 2016 from Visa:

• Cachek 10% of the count amount in Moscow and St. Petersburg restaurants;
• The second movie ticket - as a gift when paying through Rambler-Cassa;
• 5% discount on tours paid through Rambler Travel;
• 5% of the tours from the Musenidis-Travel operator;
• Glenfield knitwear with 10% discount;
• Elite spa salons and beauty salons with a discount from 10% to 50%;
• Gift bonuses on Taxi Globaxi, Grand Avto, Gett;
• Discounts on clothes and shoes of famous brands: Chobi, Castell Menorca, Little Star, Vassa & Co, Rendez-Vous
• Discounts in perfumes and cosmetics stores: Renoir, Forum,

Mastercard also has many exclusive proposals in the program "Priceless Cities" and provides discounts around the world. Owners of gold cards MasterCard access to discounts in the Porsche car dealerships, BMW (on the 7th series), Panasonic technique in branded salons and much more.

Credit Card Sberbank

MasterCardGoldi Visagold is also available in the credit version.

Credit Card Master Maps Gold Sberbank: Conditions

• The map is issued for 3 years;
• Golden Credit Card Sberbank Russia implies reduced interest: from 25.9 to 33.9% per annum;
• Mastercard and Visa Gold (Sberbank's credit card) assumes;
• Service cost - 3000 rubles per year;
• Cash withdrawal - 3%, minimum of 390 rubles (in the ATMs of Sberbank).

If you come bank - you can get a golden credit card with free maintenance. For this you need to have high quality credit history and monthly to drive big turns money on non-cash.

Golden Sberbank card has its own minuses: it is only available since 21 years (applications are held only from 25 years old), the challenger's experience should be at least a year.

From the documents must be provided:

• Russian passport with permanent registration:
• Reference 2ndfl;
• A copy of the workbook.

How to use Visa Gold Sberbank credit card?

The Golden Credit Card of Sberbank implies the usual Terms of Use, with the exception of elevated issuance, unless of course you will decide on this costly:

• Through an ATM - 100,000 per day (if you had a not a golden credit card of Sberbank, the limit 500,000 would be maximum in this case);
• Through the cashier - 300,000 rubles. per day (for other cards - 150,000 rubles.);
• For a month you can remove up to 10 million rubles (for the cards of another class limit are limited to 5 million).

We remind, a golden credit card, like any other, is beneficial only for non-cash payments! If you remove cash:

• Losing grace period;
• Pay the Removal Commission: 3% + 390 rubles

Note: The new contactless payment technology PayWave is used only for visa system cards!

How to issue a Gold Card Sberbank?

Since the card is considered a privileged, the first oncoming it is not issued. You must apply to the bank, provide a passport of a citizen of the Russian Federation and wait for the decision - whether the bank will approve the Gold Card to you. Waiting for the answer will have 2-3 days.

To use credit cards today has become a habit in all corners of light. In Russia, Sberbank remains the oldest who use the highest confidence in the financial structure; Among its main advantages - the efficiency of processing applications, a flexible system of tariff plans and the ability to transfer funds to third parties or pay utility bills and services remotely. In the same way, the user can or replenish its mobile balance.

Most of Sberbank services are provided free of charge; For other, for example, for servicing the Gold Card International payment systems Visa and Mastercard, you will have to give the amount provided by the contract or specified in the Public Offer. And although the fast in the framework of the proposal of the very financial institution does not succeed, issue a credit card with favorable conditions Repays for the client will not be difficult. How to do it, as well as what are the advantages and disadvantages of Gold cards - see below.

Sberbank - Gold Map (Benefits)

Currently, Sberbank offers debit and credit users plastic cards international standards Visa, masterrocard and inner - peace. What and whether it is worth a voluntary basis to move to the third version, it will be easy to find out even an inexperienced client. From the practical side, it is much more useful to understand the pros, minuses and features of the maintenance of "golden" cards.

Credit

The oldest Russian financial institution offers clients three varieties of credit gold cards:

Important:terms of providing the largest domestic financial structure of services and servicing previously released cards may unilaterally Revised by the issuer. Get the most actual information On the proposals of Sberbank, by calling by phone hot line Or asking a question to the consultant at a personal meeting.

Debit

By analogy with Gold credit cards, Sberbank produces three types of debit plastic cards:

1. Standard Golden Card. Product Advantages:
   • the ability to get back in the form of bonuses according to the program "Thank you" to 5% of each purchase committed in enterprises catering or supermarkets, and up to 20% of the acquisitions performed in partner stores;
   • bonus miles are automatically charged on the card, allowing you to use the services of Aeroflot or SkyTeam Alliance for the already known course: 1.5 miles for every 60 rubles spent;
   • on the day, the user can withdraw cash in an ATM or branch of the bank to 300 thousand rubles; per month - up to 3 million rubles;
   • the payment technology is supported by one touch, including using the "attached" to the smartphone map;
   • it is possible to release an additional card (for example, for other family members) that does not replace the main and non-priority;
   • minimum fee for cash removal: at the Sberbank Cash Regula - 0 rubles (when leaving the established limit - 0.5% of the transaction volume); In "third-party" ATMs - 1% of the amount, but not less than 100 rubles; at the ticket office of other banks - 1% of the desired translation, but not less than 150 rubles;
   • Sberbank makes reissue and early emission cards for free;
   • the SMS notification package for one year is connected free of charge;
   • control the score, replenish the balance and translate funds to third parties in the bank's office and online, logged in in the Personal Account or running a convenient mobile application.
2. Gold map "Aeroflot". Product Advantages:
   • the ability to accumulate bonus miles at the previously specified course - 1.5 miles for every 60 rubles spent;
   • the user can shoot in its own ATMs of Sberbank and third-party devices up to 300 thousand rubles per day; The same amount is available for removal of any banking department at the box office;
   • payment of goods and services with one touch - using a "golden" debit card or "attached" to it a mobile device;
   • the main product can be connected to additional plastic cards that do not duplicate the main one;
   • when connected to the system, the user receives 1000 bonus miles;
   • minimum fees for cash withdrawal both in their own and in "third-party" ATMs and cash desks;
   • carting cards and start-up emissions are made by Sberbank completely free;
   • the cost of annual maintenance includes receiving reports by email or directly in the bank branch, as well as the SMS notification package.
3. GOLD card "Give Life". Product Advantages:
   • the ability to participate in charity: 0.3% of each purchase is listed into the same assistance fund of children; there is half the cost of card maintenance for the first 12 months;
   • connecting the program "Thank you" from Sberbank, the client receives up to 5% of each purchase in the form of bonus points, as well as up to 20% cashless calculation in partner enterprises of the bank;
   • in own ATMs and cash desks financial structure Russia can be removed without commission to 300 thousand rubles per day;
   • at the request of the client, the bank emits additional plastic cards that do not replace and non-duplicate main;
   • minimum cash withdrawal commission: in own branches and ATMs of Sberbank - 0 rubles until the limit is exceeded and 0.5% of the amount coming out for these boundaries; In "third-party" tickets and terminals - 1%, but not less than 150 and 100 rubles, respectively:
   • in a month, the holder has the opportunity to remove up to 3 million rubles: in branches and ATMs of Sberbank - without a commission; in other cages and ATMs - in accordance with the above tariffs;
   • reissue or unscheduled Gold card emissions are made by Sberbank for free;
   • the SMS-notification package for the first year of use of the product is connected for free.

Important:as in the previous case, before ordering a "golden" debit card from Sberbank, it makes sense to clarify the conditions of service in the Finachery office or by calling the hotline. The first liberated consultant will answer all questions regarding the design of the card, and will help you choose the optimal set of options.

Sberbank - Gold Map (Disadvantages)

The shortcomings of GOLD cards from Sberbank, debit or credit, significantly less than worthwhile - below they will be listed together together, without breaking through products.

Credit

Disadvantages of "gold" credit cards from Sberbank:

• high interest rate - from 23.9% to 27.9% (with the exception of personal proposals);
• a relatively short term of use is just 3 years from the date of release, after which the product must be re-emotecting;
• the only available funds for storing money on the map is the Russian ruble;
• the high cost of annual service is up to 3.5 thousand rubles.

Important:the release of additional maps within the framework of the loan offer is not provided; The user, regardless of the preparation of preliminary approval and the tariff plan used, will have to be content with one credit card.

Debit

Disadvantages of "gold" debit cards from Sberbank:

• product life - 3 years from the moment of activation; Next, depending on the wishes of the holder, the card can be re-released or completely closed;
• regardless of the payment standard used, the client can only count on one currency - the Russian ruble;
• the cost of annual service card may, depending on the circumstances, reach 4 thousand rubles.

How to get a "golden" Card Sberbank?

You can get a Gold card of Sberbank as personally, having come to the office with a passport and filling out the questionnaire and taking advantage of convenient electronic form In the Personal Office "Sberbank online".

The future card holder must comply with the following criteria:

1. Citizenship of the Russian Federation. Persons who do not have citizenship at all or are subjects of other states, rely on the receipt of a "golden" map of the visa or mastercard.
2. The minimum age for the design of the product is 18 years old (debit card) or 21 years (credit). Maximum - not installed (debit card) or 65 years (credit).
3. The recipient must be registered on a constant or temporary basis in any subject of the Russian Federation.
4. To issue a credit card - the absence of other products in the hands of credit proposals from Sberbank.

Important: To get the Maps of the Aeroflot series, and also count on the maximum credit limit, the user must receive the preliminary approval of the bank. Otherwise, he will have to choose another product or wait for a personal offer.

Let's sum up

Golden credit and debit cards from Sberbank are produced in the two most popular payment standards: visa and mastercard. Their main advantages - the possibility of connecting to bonus programs and an enlarged cash withdrawal limit, as well as the 50-day grace period (for credit cards). Disadvantages - the high cost of annual services and the need to reissue the card every three years.

Gold card can be ordered personally in the bank's separation or via the Internet in the Sberbank online system. The applicant at the time of the registration of the questionnaire should be at least 18 years (for debit) or 21 years (for credit cards). To gain access to all benefits of offer and increased credit limit Pre-approval of the bank is required.