Sberbank gold card card maintenance per year. Sberbank - gold debit card: terms of use. Cons of gold cards

Sberbank of Russia is one of the largest banks in our country, it offers its clients a wide range of banking services. Among the diversity 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 understand how this product actually differs from the classic version and what opportunities it gives its owner.

What is a Sberbank gold card

Many users wonder 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 wealth of the client; banks offer this banking product only to active and respectable investors or borrowers. For Sberbank clients, a gold card will become attractive and profitable product and there are several reasons for this:

24-hour service at the Sberbank contact center;
protection of funds with an electronic chip;
restoration of a card after loss anywhere in the world;
participation in the bonus program “Thank you from Sberbank”;
the ability to activate “Autopayment”;
financial control using " Mobile banking" and "Sberbank.Online";
participation in discount and privilege programs from Visa and MasterCard;
several ways to replenish your account;
non-cash payment for purchases and services in Russia and abroad.

The gold card from Sberbank is an ideal option 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 convenient financial instrument, it can be used for different purposes: receiving cash, paying for goods and services. They also differ in that the user can use borrowed funds or your own and enjoy all the privileges that this product provides. Gold cards from Sberbank come in two categories: Visa or MasterCard.

maximum loan amount up to 600 thousand rubles;
interest rate up to 33.9%;
validity period – 3 years;
Grace period– 50 days;
Mobile Banking 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 different bonus programs and privileged conditions; you can find out about them on the official websites. Credit Visa Gold from Sberbank Aeroflot gives clients the opportunity to make purchases and accumulate miles, which in the future can be exchanged for airline tickets of this company. Visa Gold “Gift of 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 apply for a credit card

Each client can independently apply for a banking product if he meets the basic requirements of the lender:

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

You can fill out the form at the nearest bank branch or official website. In any case, the borrower should come to the office and present his documents: passport, certificate in form 2-NDFL, photocopy work book. The processing time for the application is 2 business 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 interest rate. In addition, a leading role is played credit history potential borrower and his monthly income.

Terms of use

After registering and activating a Sberbank gold credit card, the client can use it to pay for purchases in stores and online stores in our country and abroad. Despite the fact that the credit card currency is rubles, you can pay for purchases in dollars or euros, currency conversion takes place automatically.

You can withdraw cash from your credit card at ATMs of Sberbank and third-party financial institutions. Sberbank commission is 3% if you withdraw funds through ATMs or cash desks of Sberbank and its subsidiaries, and 4% through other financial institutions. The big difference here from the others is that the maximum daily limit for cash withdrawal it reaches 300 thousand rubles.

Methods for remote management of Sberbank accounts

Owners can use credit funds absolutely free. The grace period is 50 days, during this period you can return the borrowed funds and not overpay interest for use. But you need to 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 credit account even if you lose your credit card in Russia or abroad.

Advantages and disadvantages

Advantages of the Sberbank gold card:

support for contactless payment technology;
high degree of protection;
large limit;
free Mobile Banking;
bonus programs from international systems Visa or MasterCard;
grace period 50 days;
available to a wide range of clients of different ages.

Disadvantages of the Sberbank gold card:

high loan rate;
expensive annual maintenance;
high interest rates for cash withdrawals;
lack of interest-free cash withdrawal transactions.

Among other things, Sberbank clients have the opportunity to control their accounts remotely; to do this, just activate the Sberbank.Online service. With its help, you can pay any bills, activate AutoPay, control the dates and amount of your next payment, and much more.

Calculation of monthly payments on a gold card

Sberbank Gold Debit Card

Golden debit card Sberbank is a convenient financial instrument and reliable protection of your savings. This banking product is available to everyone, and also has many advantages, in addition, users also have access to all bonuses and other privileges from the bank and the international Visa or MasterCard systems.

How to get

It is much easier to get 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 of age and have permanent registration. Although Sberbank can issue a debit card to citizens of other countries, the organization reserves this decision.
To apply, just contact the nearest bank branch or fill out a form remotely on the official website; proof of income and permanent employment are not required here, because the owner will use exclusively his own funds.
Please note that you can only fill out an application online for a Visa Gold card; you can only get a MasterCard at a bank branch.

Owners of this product have the opportunity to issue additional cards. Moreover, their user can be a citizen of our country aged 7 years or older. The service is paid and amounts to 2,500 rubles, the service fee is 3,000 rubles, re-issuance of the card after expiration is free of charge.

Advantages and disadvantages

It’s worth starting with the disadvantages - the high cost of annual maintenance, otherwise it has a lot of advantages:

the opportunity to receive discounts and privileges from bank partners;
24-hour hotline service;
high degree of protection of your 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 for middle-income clients it is quite expensive, so it is not economically feasible to register it.

Please note that unlimited overdraft is available for Gold Debit Card users.

How to get and use a gold card for free

A Sberbank gold card is attractive to every client; what it is and what opportunities it provides has already been discussed, but not everyone will want to apply for it due to expensive servicing or a high interest rate. Free registration and service are available for regular clients of the bank.

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

A personal offer can be sent to clients who receive wages through Sberbank, opened deposits or previously took out loans. The offer can be received by letter, SMS message or 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. You must provide proof of income and proof of permanent employment ( salary clients it is not necessary).

Co-branded gold cards

Sberbank's line of gold cards includes co-branded ones - these are "Give Life" 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 owners to help the charitable foundation of the same name; from the funds spent, the bank transfers 0.3% to it. Minimum bid the loan is 25.9% per year, the cost of annual maintenance is from 0 to 3500 thousand annually. They are only available from international system Visa, this gives the client the opportunity to evaluate all the advantages of Visa Gold Sberbank, you can find out more about this on the official website of the international payment system.

Aeroflot is ideal for those who often use the services of a partner company. Sberbank clients can actively use the card, receive bonus miles and exchange them for air tickets. The cost of annual maintenance is 3,500 rubles, the interest rate on the loan is from 25.9%. Card data is provided only from the Visa payment system.

Please note that the Aeroflot Visa Gold card does not offer free service.

So, free service The Sberbank gold card is available only to 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, each of its regular customers, depositors or borrowers can receive a personal offer.

A bank card of the Gold or Platinum category is the pinnacle of banking plastic products in any bank. The largest bank in Russia in terms of the number of branches, Sberbank, was no exception. Buying a Sberbank gold card is becoming commonplace. It is being purchased more and more often. This is connected not so much with the prestigious status of the card itself, but with the opportunities that open up when owning such plastic and using it. What is a gold card? This is a special one, which provides the holder of such a product with the following main dividends:

the widest discount and bonus system in numerous national and international retail chains providing a huge range of goods and services. These are mainly online stores, lines of boutiques in shopping centers, hotels and travel from leading tour operators;
maximum possibilities regarding monetary transactions, for example, a large credit card limit or favorable conditions for non-cash payments using debit plastic;
profitable, for example, a long grace period for a credit card;
currency versatility of the product – usually similar bank card works with all major world currencies (dollar, euro), and not just rubles;
in combination with the international status of the card, i.e. when plastic is accepted to pay for goods and services in other countries of the world, currency versatility turns gold plastic into an ideal electronic wallet, which, among other things, will allow you to save cash, eliminating the need for currency conversion abroad and the associated inevitable commissions and monetary losses due to changes in currency ratios.

Types of card products and their differences

The main advantages of the Sberbank gold card are the same as those of premium cards points from other financial and credit organizations. However, Gold level plastic also varies. Sberbank gold cards differ in the following categories:

Credit.
Debit.
Co-branded.

The gold credit card of Sberbank of Russia is no different from others in its purpose credit cards face-to-face products of Sberbank. This is plastic linked to a bank account containing a certain amount of money. When buying a credit card, the client takes out a permanent loan. That is, you can use the money from the plastic card at your discretion at any time and for an indefinite period of time, but later you need to return the spent amount to the account of this plastic card, taking into account interest.

Payment terms and interest are specified in the agreement and vary from one credit card to another. Otherwise, penalties will begin to accrue, and if further non-payment occurs, the card is blocked, and the client is enrolled in. The main differences between credit plastic and debit plastic are as follows:

The credit card limit is strictly limited, and the limit debit card– no (i.e., the debit product can contain an arbitrarily large amount of money);
finances on credit cards are potentially borrowed, belonging to the organization that issued the card, while on debit cards they are personal, i.e., the card holder himself.

Owners of a Sberbank credit card of the “Gold” class use it within the framework of the specified conditions and rules. There are just a few more opportunities here than with lower-class credit cards. And such cards are also serviced using two major global payment formats - VISA and MasterCard. Only the subclasses differ.

Design features of elite gold plastic

Thus, a gold VISA card can be of different categories, for example Gold and Aeroflot. But how to get a Sberbank gold credit card? Just like getting a Sberbank gold card of any other profile. Anyone can write an application for this plastic certificate. In this case, a certain package of documents will have to be attached to the application:

passport and its full copy;
certificate of income for the last six months from tax service according to form 2-NDFL, for entrepreneurs - form 3-NDFL;
work book, which indicates all places of work with certification by employers’ signatures. It is important that the client has already worked for at least six months at his last place of work (the employer’s confirmation signature is also required);
for entrepreneurs you will need an extract from the Unified State Register of Individual Entrepreneurs or the Unified State Register of Legal Entities, as well as financial statements about the company's income for the last six months.

The application will be reviewed by Sberbank employees within three working days. You need to understand that plastic banking products of this kind are not given to anyone. This is not a nameless free debit card in VISA Electron format. In the Sberbank gold card, the conditions for receiving this elite product are as follows:

have a stable average income from an official permanent job or a normally functioning enterprise;
be over 21 years old and under 60 years old (55 years old for women), i.e. clients of retirement age cannot count on Sberbank gold plastic, alas;
not necessary, but in practice, to receive a gold card it is highly desirable to be regular customer Sberbank and be in good standing there - a “clean” credit history of many repaid loans, a Sber salary card, etc.

Sber credit card "Gold" class

It is not surprising, given that the purchase of “plastic gold” will cost about 10 thousand rubles, and subsequent maintenance – 3 thousand rubles annually. What benefits can lucky holders of a Sberbank gold credit card take advantage of? The following advantages can be mentioned:

The minimum limit for withdrawing up to a zero balance of gold credit plastic in Sberbank is 200 thousand rubles, and the maximum is half a million (for the most expensive VISA Gold), the average limit for such credit cards is around 300 thousand rubles (however, at Sberbank ATMs out of 300 you can withdraw cash is allowed no more than 100 thousand rubles);
interest-free use of the card is maintained for a period of 50 days after the first withdrawal of money, i.e. within 50 days you will have to return exactly as much as was spent, without standard credit interest. But if the principal payment is late, you will have to pay a fine of 23% per annum (interest is usually calculated from total amount loan);

Gold class cards are also characterized by a lower interest rate compared to all other credit cards;
internationality - plastic “works” with at least three major currencies (ruble, dollar, euro) and is accepted in most major countries of the world. Thus, VISA Gold can be paid in 125 countries. First on the list after the Russian Federation itself are the countries of the European Union and the United States;
when a client receives such plastic, the bank automatically issues insurance for the life of the owner of the card product, which is useful if the owner travels often and a lot, especially in Third World countries;
as already mentioned, Sber gold cards are connected to numerous discount systems around the world. The number of different bonus programs is constantly growing. For example, Aeroflot VISA holders, as a minimum package of services for this card, are participants in the international Countdown program, which gives good discounts;
even if a client, while abroad, has lost a gold Sberbank credit card, he can immediately contact the embassy, where they will provide him monetary allowance by , since from bank account Nothing happened to the card (it will be enough to give the plastic number).

Among the disadvantages is the rather unprofitable conversion of money on the card into cash. If you withdraw from a Sberbank ATM, the commission will be 3%, which is quite significant. So, if you withdraw 10 thousand rubles, the commission will “eat up” 300 rubles. And in a third-party terminal financial organization the commission will be 4%. This can be explained by the bank's policy of preserving cash flows V electronic form and preventing their transfer to the form of paper bills.

Sber debit card "Gold" class

A debit gold card differs from a gold credit card in much the same way as, in principle, debit plastic differs from credit plastic (described above). The Sberbank gold debit card has all the main advantages that a premium Sberbank credit card has. At the same time, the properties of conventional debit card products are added:

the ability to withdraw cash from local ATMs with zero commission;
unlimited top bar monetary limit, which allows you to use a debit card as a piggy bank - there is no replenishment restriction or upper limit;
cashless payment again with zero commission for goods and services both offline and online.

At the same time, the advantages of a gold debit card are added here - automatic issuance of international life insurance, bonus promotions and the option of setting up quick payment for urgent services (overdraft, payment for medical procedures, rescue and search operations, etc.). Among debit plastics, Sberbank produces special lines, each of which has its own unique bonus. For example, the “Golden Mask” card.

The holder of this plastic card will be constantly informed via SMS (Mobile Bank) and Sberbank Online about all premieres, tours and events in the theaters and opera houses of his city. And if you wish, you can quickly purchase tickets online using this card. Another Sberbank debit card of the VISA Gold level is called “Gift of Life”. When funds are debited from this card to pay for any product or service, 0.3% of the amount spent goes to a fund to help children with oncology and other serious illnesses.

What is the essence of co-branded plastic products?

Finally, the last type of elite card is the co-branded card. In principle, it would be more correct to say that this is one of the properties of both credit and debit plastics, but the popularity of this property forced it to be singled out as cards of a separate class. The bottom line is that the co-branded card is most involved in numerous affiliate programs and bonus promotions.

A striking example of such a plastic product is VISA Aeroflot. This plastic maintains contacts with leading tour operators who provide an interesting bonus program for clients, which is often called “rubles for miles.” That is, for example, when flying, it is calculated how far the client will cover by plane in one tour. After which the tour operator awards the traveler a certain number of bonuses.

The Gold Debit Card is payment instrument to implement financial transactions(payment for goods and services, cash withdrawal, money transfer, etc.) within the amount of the personal account to which it is linked. Designed to replace or partially replace cash payments for non-cash payments. Sberbank offers customers a whole series of different debit cards. Below we will consider a banking product - the Sberbank Gold debit card.

Privileges for a client-holder of a Sberbank Gold Card

The Sberbank Gold card is a plastic card with additional functions and a predominant gold color in the design. Issued upon customer request and works with Visa and MasterCard payment systems. The additional options that the “Gold” status provides will be discussed below.

The psychological aspect associated with the ability to emphasize high social position and status. The golden color is associated with wealth, with the inscription “Gold” on the front side. Sberbank is the oldest functioning bank Russian Federation, and people around them understand that the card’s membership in the premium category is a fact, and not just a marketing ploy, like a number of banking organizations.
24/7 support service with reduced operator response time.
The use of special discounts as part of loyalty programs that are implemented by Visa or MasterCard payment systems with the participation of third parties - partners.
Issuance of money carried out in an emergency mode (loss, damage, demagnetization of a banking product) in a country other than the Russian Federation - without charging a commission. For example: for most Sberbank clients, when similar situation the commission for emergency withdrawal of funds will be up to 6,000 rubles.
Increased overdraft limits (by default up to 600,000 rubles).
Free SMS notifications about cash flows on client accounts. Mobile banking in the “full package” package is provided free of charge. On most standard plastic cards, this service costs the client 60 rubles per month.
Free reissue regardless of the circumstances of the need for release new card to replace the old one.

Among other things, the banking product in question has all the capabilities of standard payment instruments issued by Sberbank.

Rates

Tariffs for using a debit card must be attached as an addition to the agreement concluded by an individual with a banking organization.

Annual service cost: depending on the account currency - 3,000 rubles, 100 dollars or 100 euros. If there is a sufficient amount of funds in all accounts (ruble, dollar, euro), the cost of annual service is charged by default from the ruble account, unless another account is chosen by the client to pay for the annual service. If there are no funds in the account selected by the client to pay for the annual service, the required amount is charged from the account that has the required amount of funds.
The cost of annual servicing of an additional plastic customer card: depending on the account currency - 2500 rubles, 75 dollars or 75 euros. All other conditions are identical to the previous paragraph.
Daily limits on cash withdrawals: at ATMs of Sberbank, subsidiaries banking organizations, third-party banking organizations, depending on the account currency: 300 thousand rubles, 12 thousand dollars or 9 thousand euros;
at Sberbank cash desks: 300 thousand rubles or an amount in another currency equivalent to 300 thousand rubles.
When issuing money at a territorial bank branch other than the bank branch in which the bank account is opened, the daily limit, depending on the currency of the account, is: 50 thousand rubles, 1.6 thousand dollars or 1.2 thousand euros. When making payments for goods and services, the daily limit does not provide for any restrictions.
Monthly withdrawal limit: 3 million rubles, 100 thousand dollars, 75 thousand rubles.
Limit for issuing money in emergency situations related to loss or other problems with a plastic card that arose in a country other than the Russian Federation: $5,000, but not more than the amount in the client’s personal account/accounts.
Obtaining information about your account balance at ATMs of organizations other than Sberbank: 15 rubles.
Obtaining information about the last 10 transactions: 15 rubles.

Important! A financial institution may unilaterally change tariffs without notifying the client, which is stated in the contract. The client must independently study the contract at least once every six months for changes made on the company’s website.

Interest rate when using overdraft

Considering the possibility of using an overdraft (including over-limit/unauthorized), Gold card is not in the full sense debit, as stated on the official website. In fact, the Sberbank Gold card is a revolving one.

Interest-free use of a loan in the absence of a precedent for using an unauthorized overdraft: 50 calendar days
Interest rate on a loan in the absence of a precedent for using an unauthorized overdraft: 29.5%
Interest rate for unauthorized overdraft: 40%

Important! An unauthorized overdraft is considered to be funds debited from the card as a result of a lack of money in the debit or credit account when paying for goods/services/etc. It is necessary to take into account so as not to go into the red when making calculations and carrying out other operations.

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Terms of release and service

Age of potential base card holder: over 18 years old
Age of potential holder additional card with basic information and consent of a legal representative: from 7 years
Additional requirements for a potential holder of the main and/or additional card: permanent or temporary registration in the Russian Federation
Required documents to obtain: passport. It is allowed to use a document that temporarily replaces a passport for personal identification.

Registration of a Sberbank Gold card

Apply for the issuance of a Sberbank Gold debit card linked to a payment card Visa system or MasterCard at a Sberbank branch or on the official website.

Registration steps:

Submitting an application for release indicating basic passport data
Providing a passport for the purpose of personal identification for compliance with the data in the application for release
Review of the application. Issuance of a personalized gold card (Sberbank Visa Gold debit card or Sberbank MasterCard Gold card) within 2 – 3 business days
Signing the contract banking services
Visit to the bank to obtain the payment instrument of interest: Visa Gold/MasterCard Gold card

It is important to consider that Visa Gold debit is easier to use (in particular, funds are credited to it faster when using virtual payment systems), but MasterCard has a higher degree of protection (in particular, due to more thorough verification of transactions).

Replenishment methods and conditions

Replenishment options will be discussed below:

Depositing money at a territorial bank branch is carried out using an ATM or through a bank cash desk through the mediation of an operator by the card holder - without commission.
Depositing money by a third party at the territorial branch where the personal account was opened is free of charge.
Depositing money by a third party at a territorial branch of Sberbank, different from the one in which the personal account was opened, with a commission equal to 1.25%, but not less than 30 rubles and not more than 1 thousand rubles.

When depositing funds by a third party, it is possible to carry out the transaction only in rubles. The terms of use of the payment instrument in question are identical to the standard rules for using debit plastic cards. On Sberbank Visa Gold crediting of funds occurs faster than when using a card assigned to the MasterCard payment system.

Bonus program "Thank you"

The banking product in question participates in the “Thank You” bonus program, which is a type cash back. Loyalty program: for each purchase you receive 0.5% of the check amount back to the card as bonuses. Individual categories purchases allow you to receive bonuses of up to 20% (for example, the Pyaterochka supermarket offers 2% bonus cashback). In the future, loyalty program partners will be able to pay up to 99% of the purchase amount with bonuses (nominally you need to pay a ruble in Russian currency, and the rest of the required amount will be written off as bonuses). One bonus under the “Thank you” program is equal to 1 ruble. It is worth noting that a number of bank partners that allow you to use “Thank you” bonuses to pay for goods introduce restrictions (for example, in “Spar” you can spend bonuses if you have the latter on your personal account from 500). Outside the territory of the Russian Federation there are no partner companies participating in the “Thank You” bonus program.

Advantages and disadvantages

The advantages of purchasing a gold debit card include the items listed in the section “Privileges for a client-holder of a Sberbank gold card.” Thus, the acquisition is suitable for people who withdraw from the account and deposit into the account large sums money, and also often travel abroad. The latter is relevant for Visa and MasterCard loyalty programs, which more often carry out promotions in European countries. Also, the advantages include priority customer service and increased individuals lending limits with a minimum consideration of the loan application.

Other advantages exhibited by the bank’s official website and a number of third-party partner sites are also inherent in other plastic cards issued by this financial institution. For example, participation in the “Thank You” loyalty program is activated automatically or at the request of the plastic card owner.

The main disadvantage is the high annual maintenance fee, amounting to 3 thousand rubles. Partially compensated by the absence of a service fee " mobile bank"(full package), which is 60 rubles monthly, which is equal to 720 rubles for the year.

The potential card holder determines the pros and cons for himself and makes a rational choice in favor of Sberbank Visa Gold or MasterCard Gold.

Sberbank of Russia offers a huge number different cards for registration - from simple cards Russian payment system MIR, up to premium cards Visa Platinum. Each of them has its own undeniable advantages, and we will try to talk about them in our next articles.

Today we will talk about a card belonging to the category bonus, but with a relatively low cost of service - Gold Card from Sberbank.

Sberbank of Russia issues gold cards in three types:

credit
debit
"Give Life" card

Three available payment systems— Visa, MIR and MasterCard. You can also obtain information of interest from a consultant at the department.

Lately, after entering my Personal Area In the remote banking system, many users saw a pop-up window containing a message like: “You have been pre-approved for a gold credit card with a limit of 70,000 rubles.”

We would like to note that this is not some kind of scam, Sberbank makes such offers only to clients who have somehow earned confidence.

If you receive a message or call from Sberbank with an offer to issue a card, do not hesitate to ask the consultant to name his personal an identification number employee. If scammers call, it will most likely confuse them and they will simply hang up.

So, in this article we will tell you:

about the differences between a gold card and a regular one
advantages and disadvantages
Let us consider in detail the conditions for issuing credit and debit cards of the Gold category

Differences between a Gold card and a regular card

It doesn’t matter whether you are issuing a plastic card for the first time in your life, or have been using the standard offers of banks for a long time - when the moment of renewal comes, almost every person thinks: “Why not get a gold card?”

For what Do I need a gold card, if I can get a regular one? — this is the question most often asked to a consultant who offers to issue a Gold card when visiting a Sberbank office.

Let's figure it out how is it different? from instant cards and classic Visa cards Classic or MasterCard Standard:

Maintenance cost. Gold cards are quite expensive to maintain; for debit cards, the annual service cost is 3,000 rubles. An ordinary classic is 4 times cheaper - about 600-900 rubles. Instant issuance cards MIR and Momentum - 150 rubles per year.
Issue of salary cards. Many employees receive their salaries on a Sberbank card. As part of the salary contract, only classic cards can be issued; this is not possible for gold cards.
Appearance. Until now, for many people, the color gold remains something super attractive. Gold cards are issued in the appropriate shade, classic cards are gray, instant cards are blue or with a colored pattern. According to the editors, appearance a gold card won’t surprise anyone anymore.
Premium program. Holders of Visa Gold and MasterCard Gold cards, along with holders Platinum cards, have access to discounts and bonuses from payment system partners. This is not available for regular classic cards.
Service. For owners of premium plastic cards, including gold ones, the service is provided free of charge. For Classic cards - the cost is 60 rubles per month.

We have listed the main differences so that it is immediately clear do you need such a card or not. Will the cost of servicing cover the bonuses that are available to its holders? Read on.

If you have lost your card or it is stolen, it must be blocked immediately. Read our article on how to do this:

Visa and MasterCard Gold credit cards:

Card currency: euro, USD, Russian ruble
Validity: 36 months
Annual maintenance: for free
Percentage: 25.9% per annum
Cash withdrawal fee
Review period: up to 36 hours
Additional cards: No
Required documents: passport

Requirements for the borrower:

passport of the Russian Federation
permanent registration
age from 21 to 65 years

You can find a detailed description of the tariff for these cards.

Visa Gold credit cards “Give Life”:

Card currency: Russian ruble
Validity: 36 months
Annual maintenance: for free
Percentage: up to 33.9% per annum
Cash withdrawal fee at Sberbank ATMs: 3%, not less than 390 rubles
Review period: up to 36 hours
Additional cards: No
Required documents: passport

Requirements for the borrower:

passport of the Russian Federation
permanent registration
age from 21 to 65 years
at least six months at the last place of work

Since December 2016, Visa and MasterCard Gold and Visa Gold “Gift of Life” credit cards are issued only to those clients for whom there is a pre-approved offer. You can find out if there is one for you by contacting a Sberbank branch or the Contact Center.

If you are faced with a choice and still can’t decide which card is right for you, watch the video, which contains a detailed comparative analysis.

Gold debit cards are ideal for those clients who want expanded functionality, increased limits on cash withdrawal transactions, as well as access to bonus and discount programs.

Product Description

World-class Gold cards provide many more features than Classic or Standard cards. They are readily accepted in many stores, they allow you to get significantly more discounts, are also often used on them additional ways protection against burglaries.

Today, many Russian banks offer such cards to their clients for quite a favorable conditions. Remember that you can only get the product if you have a certain income level or if you have a positive CI in the bank where you have been a current client for at least 1 year.

Similar cards can have many additional functions, which significantly increase the ease of use:

one-touch payment technology,
the ability to return part of the amount spent on purchases using the card,
accrual of a certain percentage on the balance of own funds.
In addition, some companies allow the connection of an overdraft (credit limit) at a reduced interest rate.

Where can I get a gold card?

Promsvyazbank invites its clients to issue a card called “Your SPB”. They have an option that involves returning part of the funds you spent back to your account (0.25% of the purchase amount, max. 3,000 points per month). There is no issue fee, maintenance will cost up to 1100 rubles annually, look for details
Fora-Bank- here you will find the All Inclusive program. Here the cost of service ranges from 159 to 1,908 rubles, there is Cash Back from 1.1 to 5%, as well as interest on the account balance from 3.75% to 5%. Discounts are provided under the Fora-Bonus program, profitable withdrawal cash through Promsvyazbank ATMs (0% commission);
Raiffeisenbank released a plastic called Visa Gold “#ALL AT ONCE”. There is: individual design, instant delivery cards, cash back and bonus program. Bonuses awarded for non-cash purchases can be exchanged for certificates from Ozon.ru and Yandex.Taxi, exchanged for S7 Priority miles or cash. The issue is free, and the cost of service is from 0 to 500 rubles;
At VTB Bank They issue a “Multicard” with an annual service cost of 3 thousand rubles. The owner becomes a participant in premium programs from the selected payment system (Visa, MasterCard or MIR), as well as bonus program for travelers. Among the advantages we can note: the possibility of receiving income up to 10% on the account balance, as well as receiving cash back up to 10%. Find out more at ;
Russian standard presents the “Bank in your pocket” product, where about 6.5% per annum is charged on the account balance. Servicing will cost up to 3,000 rubles annually, but if the annual turnover of funds on the card exceeds 300 thousand rubles, it will be serviced free of charge. More information — ;
At Alfa Bank they will also be able to offer you gold card Russian Railways Gold, which is produced with a chip and one-touch payment technology. It is suitable for those who often travel by train, because you will be awarded bonuses for every purchase. Annual service will start from 1990 rubles + the service package you choose. We invite you to find out more;
— here it will be advantageous to sign up for “Debit Gold (Online package)”. The card holder will be able to participate in charity, as well as receive an income of up to 7% on the balance of their funds. Such a product will cost 2600 rubles. annually;
also offers to issue a card, part of the funds of which will go to charity, it is called “ Decent home children." Annual maintenance will cost you 2990 rubles, SMS notifications, insurance for those traveling abroad are free;
Sberbank Russia also offers a preferred Gold product to those people who are already existing clients of the organization. The currency can be rubles, dollars or euros, the cost of service is up to 3,000 rubles per year. It also provides credit limit up to 600 thousand rubles and a grace period of up to 50 days. The card is valid for 3 years, details -

As you can see, with a relatively inexpensive cost of service, a gold card emphasizes the status of its owner and provides the opportunity to enjoy discounts and special offers Worldwide.