Gold visa card from Sberbank: terms of use. Visa gold credit card of sberbank Visa gold tp 1l sberbank credit

Trip to foreign countries for business or leisure it will become more comfortable if a Gold Sberbank Visa card is issued. The bank issues two types of "gold" Visa carriers: debit and credit. Consider the appointment bank cards, features of their design and provided opportunities.

Gold-class carriers in the Visa family

Sberbank under the Visa brand issues cards of the same name payment system, officially registered in Russia, and based on dollar calculations. To differentiate the rules of registration, the cost of annual service, the level of privileges, the division of Visa-cards is accepted: into classic (Classic), "gold" (Gold), "platinum" (Platinum). What are the advantages of plastic at each level?

Visa Gold, like Classic, uses three currencies, and is used for cash settlement operations, non-cash payments, transfers, registration consumer credit, participation in bonus programs and charity. It is successfully used as a payroll.

But the gold card differs from the "little brother" in some functions: on business trips abroad, it will provide the holder with round-the-clock support through the contact center, emergency cash receipt in case of loss of the card, consultations on legal and medical issues.

Platinum is aimed at wealthy and privileged clients of Sberbank. Thanks to the card, the holder will have access to a high credit limit... When traveling abroad, life and health insurance is guaranteed, VIP-services in banks, hotels, airport lounges, restaurants, and salon shops. Purchase protection programs are in place, including with an extension of up to two years, according to which the replacement and return of goods of inadequate quality is carried out.

Before choosing a card, the holder needs to determine for what purposes the bank carrier is issued.

If the main goal, the use of Visa Classic in settlements in Russia, as well as its variants issued by Sberbank (including Momentum), do quite well with the task.

On business trips abroad, premium class carriers will add more confidence.

Main characteristics

Sberbank's Visa Gold supports settlement transactions in rubles, dollars, and euros.

The processes of registration of a plastic carrier follow in the following order: the client opens an account, and for money management he receives a plastic card, a kind of "key".

Issuing a Visa Gold card from Sberbank is accompanied by the usual conditions: the client must be a resident of the Russian Federation, from 18 years old and not older than 65, with a permanent registration at the place of residence. Depending on the type of account, there may be differences in the rules for processing.

Visa Gold makes it easier for the holder to access the account and perform banking operations:

• withdrawing and crediting cash through the bank cash desk, ATMs and terminals;
• cashless money transfer, including via the Internet;
• direct payments for goods in the trade network, services of companies and housing and communal services;
• settlements with counterparties through mobile banking;
• obtaining a consumer loan within the limit of 300-600 thousand rubles.

The card allows you to participate in charity, incentive programs.

Visa Gold: big advantages and small disadvantages

It is not easy to find drawbacks, pitfalls in using the "golden" medium. Small plastic allows you to simplify calculations, is convenient when crossing state borders, reliably keeps banking secrets, and provides favorable currency conversion rates.

To improve the level of service for Visa Gold holders, Sberbank offered its clients an additional package of services, Sberbank-Premier. Holders of deposits and accounts for a total amount of 2.5 million rubles or more can become participants.

Customers are interested in Priority Pass, which provides for free service in the VIP lounges of airports, including up to 9 satellites.

As for the shortcomings, holders of debit cards sometimes complain about the lack of interest charges on the balance, when the bank's services are paid for. For credit cards, an insufficient credit limit is most often noted.

Debit card features

Debit Visa Gold is intended for storing the holder's own funds, as well as making payments.

The bank's requirements for the client are loyal:

• by age - from 18 years old for the main carrier; an additional card can be issued for children from seven years old with the consent of the child's representative;
• availability of permanent or temporary registration.

The card is opened for a period of 3 years and is issued free of charge. Early issue, media re-issue after a three-year period, restoration of lost plastic, PIN-code are also carried out free of charge.

Sberbank introduced three types of Gold cards

Standard Visa Gold is a universal card opened in three currencies, with great opportunities and bonuses. Used for settlements in retail outlets, in the service sector, when buying tickets, for transfers wages.

Instant payment transactions, the receipt of money in the account within an hour, the privileges provided by Visa and the issuing bank - this is not the whole list of advantages.

By registering in the Thank you from Sberbank service, the holder receives up to 20% bonus cashback from the bank's partner structures.

Visa Gold Aeroflot has advantages similar to universal plastic. For each purchase, "bonus miles" are credited, which are transformed into discounts when purchasing air tickets, improving the service category for air travel.

Having opened Visa Gold "Give Life", the holder will show himself in charity and help seriously ill children. The service of the card in the first year is higher than that of other types. But 50% of the funds received, as well as part of the bonuses accrued on purchases, go to the fund to help sick children. The card is issued only in Russian rubles.

How much does it cost to service a debit card

The following table summarizes cost information banking services for the main and additional plastics of the Gold-class.

The terms of use for gold debit are the same:

• daily limit for cash withdrawal at the bank's cash desk is 300 thousand rubles or the equivalent in foreign currency, through an ATM - 300 thousand rubles. / $ 12000/9000 euro;
• monthly limit for cash transactions: 3 million rubles / $ 100,000 / 75,000 euro;
• cash crediting to the account per month - up to 10 million rubles. or equivalent;
• payment for goods and services by card is carried out without commission payments;
• commission for exceeding the daily limit at cash desks and ATMs of Sberbank and subsidiaries - 0.5% of the amount, in another bank - 1% of the amount or at least 100 rubles. / $ 3/3 euro;
• interest payment for accepting money on a card in other banking structures - 1.25%, or 30 rubles. - minimum, maximum - 1000 rubles.

The client is provided with related services: account statements, checking the balance of funds - for 15 rubles. / 1 request. Connection of services " Mobile bank», SMS informing is free of charge.

Undoubtedly, the cost of servicing "gold" cards is higher than the classic ones. But the holder receives a significant limit on cash transactions, free re-issue of the carrier in various situations of loss, support of the issuing bank in difficult circumstances.

Salary Visa-Gold

Many will ask "Why, if there is a Visa Classic?"

The classic card is convenient for receiving wages. But when concluding an agreement as part of a salary project, Sberbank recommends employers to apply for Visa Gold for top management salaries.

Possessing premium plastic, executives on business trips will be relieved of unnecessary formalities when crossing the border, feel the support of the bank, and support their own status when solving financial issues.

Visa Gold Credit Card: How To Get And Use

Sberbank Visa Gold credit card makes it easier to obtain and use inappropriate consumer loans. It is convenient for her to pay in stores, for services, buy tickets or withdraw cash.

When registering, the requirements for the client are stricter (compared to standard offers): age from 21 to 65 years inclusive, permanent or temporary registration at the location of the bank's structural unit, official place of work.

When contacting Sberbank, a potential borrower provides documents:

• personal passport;
• a certificate of income for the last six months according to the model established by the bank or form 2-NDFL;
• a certified copy of a work book confirming at least 1 year of work experience at the last place of work.

The study and verification of the submitted documents will take several days, then the banking service agreement is approved. The credit limit is set individually and depends on the borrower's income level. Sberbank approves credit cards, first of all, to salary holders, pension cards, as well as those who have a positive credit history.

The Sberbank Gold credit card is opened only in rubles. Gold cards are issued in three types: traditional, Aeroflot, and Give Life.

The use of traditional gold credit cards, and under the Aeroflot program on standard terms, are as follows:

• The maximum credit limit is 300 thousand rubles.
• Service - 3000 rubles / year.
• Issued for 3 years, reissue for any reason is free.
• Additional media for the account is not issued.
• Payment for using the loan - 27.9% per annum, in case of violation of the terms of payment - at the rate of 36% per year.
• The grace period is 50 days.
• Cash is credited without commission.

The cost of services for the "Give Life" card, issued for the mass offer, is 3,500 rubles per year. Half of the amount is donated by the bank to a charitable foundation.

Pre-approved Visa Gold: features

Sberbank practices the issuance of "gold" media on pre-approved (pre-approved) or special conditions.

Card plastic is distributed among holders of deposits, participants in salary projects, conscientious borrowers, users of debit cards.

A pre-approved Visa Gold card has:

• credit limit up to 600 thousand rubles;
• interest on the loan - 23.9% per annum;
• for some media - free service for 1 year.

To obtain a pre-approved credit card, you do not need to provide any documents other than a passport. The bank issues plastic card in advance and approves the credit limit based on the turnover on bank accounts opened in the name of the client. Visa Gold obtained on a pre-approved basis performs the same functions as any Visa Gold card.

Grace period and minimum payment

Visa Gold credit cards of Sberbank provide for a grace period for using the loan, when interest will not be charged.

The duration of the grace period is 50 days, which consists of an estimated duration of 30 days. At this time, the holder makes purchases. In the next 20 days - the loan is returned. If the borrower meets the specified deadlines, no interest is charged on the loan.

Sometimes the client cannot pay off the debt on time, and the question arises about minimum amount payment. Under the terms of credit, at least on the card - 5%.

Let's show the calculation of the return on an example:

• approved limit - 150 thousand rubles;
• spent in settlement period - 30 thousand rubles;
• lending conditions are standard.

The minimum repayment amount is:

• 30 thousand rubles. x 5% \u003d RUB 1,500;
• The interest for use will be: 30.0 x 27.9% / 365 x 30 \u003d 688 rubles.
• The minimum deposit is 2188 rubles.
• Otherwise, a fine will be paid at the rate of 36% per annum.
• IN next month for the same purchase you will need: (30.0 tons-1.5 tons) x 5% + 688 \u003d 2113 rubles.

Cash withdrawals by credit cards

The situation when it is necessary to control the benefits is the withdrawal of cash from credit plastic. Sberbank conditions for cashing out funds:

• the limit for issuing through an ATM is 100 thousand rubles. / day, through the cashier - 300 thousand rubles.
• commission for cashing in the bank's network - 3%, in other structures - 4%, minimum - 390 rubles.

Suppose 50 thousand rubles are withdrawn through a Sberbank ATM. The commission will be 1500 rubles, which is also debited from the account. Grace period does not apply to cash withdrawals, so the interest payment will be charged from the first day.

Pros and cons of Sberbank credit cards

Holders of "gold" plastic positively assess Sberbank credit cards: the bank's requirements are clear and feasible, and quick processing. Terms of use, interest accrual are available in the service agreement.

A fifty-day grace period turns the loan into an interest-free revolving credit line.

But a credit card is not a source of cash. This is evidenced by the high commissions when withdrawing money from the account, as well as the lack of benefits when calculating interest payments.

Media activation

To use, Visa-Gold must be activated. The procedure is carried out no earlier than a day after the emission of plastic. To perform the operation, an envelope is sent containing a PIN code known only to the holder.

To make the card active, it is enough to perform the simplest action: credit a small amount or make a request. When asked by the system, a PIN is entered and the carrier becomes active. It can be used for transactions. Banking plastic is not activated through the call center or hotline.

Shopping incentive program

The bank offered holders of Visa-Gold traditional and "Give life" to become participants of the bonus program "Thank you from Sberbank". To participate, you need to register: through the terminal or using remote access programs.

The option provides for the stimulation of cashless payments for purchases in the retail network. For this, they receive incentive points from the paid amount to a special account:

• 5% when visiting cafes and restaurants;
• 1% when paying in supermarkets;
• for other purchases - 0.5% from Sberbank, up to 20% - from partner structures.

Incentives are transformed into discounts when purchasing goods from Sberbank partners. Bonuses are not credited to the amount of cash withdrawn, when transferring to another account, paid utilities services. You can check the number of reward points using a special SMS request.

Sberbank offers its customers a wide range of bank cards. One of the most popular is Visa Gold, which can be debit and credit. The reason for the popularity is simple - it makes the owner solvent in any situation throughout Russia and abroad, it is simple to issue it. This card has other advantages as well. Let's find out everything about the Visa Gold Sberbank card - conditions in 2018, annual service fees, etc.

Gold in Sberbank - card benefits

For customers who have issued a gold card, Sberbank offers the following additional benefits:

1. High degree of security - even after stealing this card, they will not be able to use it
2. If Visa Gold is lost abroad, as soon as possible you can withdraw cash.
3. A wide network of ATMs, Sberbank branches allows you to have easy, convenient access to funds.
4. The bank does not charge a cash withdrawal fee (within the limit).
5. Impressive bonuses. The bank on its own behalf returns from 0.5% for purchases, and its partners - up to half of the cost of services and goods.
6. Same conditions when using the card in different countries.
7. Various card recharge options make this procedure always simple.

Significant advantages of the card are convenient conversion and the ability to receive additional cards.

The bank makes it possible to replace any card ahead of schedule, and without commission.

disadvantages

Service is, perhaps, the most significant drawback of the Visa Gold Sberbank card - the conditions in 2018 assume payment of 3 thousand rubles annually, and for each additional card another 2.5 thousand rubles. Another possible drawback may be the monthly limit, which is 3 million rubles, the daily limit is 300 thousand. But Sberbank is ready to provide any required amount and over the limit, only a commission of 0.5% will be charged. If money is withdrawn from ATMs of other banks, you will have to pay a commission of 1%.

How to get a Visa card Gold in Sberbank

Such a card can be issued by:

• reached the age of majority;
• a Russian citizen who has a registration mark in his passport.

Foreigners can also apply for Visa Gold, but the decision to issue a card at a bank is made on an individual basis.

The card itself provides the following features:

• rubles, euros, dollars are used as currency;
• cashing, service is performed on the same terms abroad and in Russia. The same applies to all shares held by Sberbank;
• receive bonuses under the Thank you program, which allows you to significantly save on purchases;
• protect your money as much as possible, because all cards are equipped with an electronic chip.

Also, the bank allows you to issue additional cards, and each parent has the right to order it for his child who has reached the age of seven. Visa Gold can be used as a salary card.

To receive this card you need:

• submit an application at the nearest branch of Sberbank, having a Russian passport with you. The application can be submitted online, but the only advantage of this method is that a personal invitation will be received to visit the branch;
• after receiving the consent of the bank, you should arrive at the branch to sign the contract and receive the card.

Actually, a fairly high fee and a limit are the only drawbacks of this banking program. But this is offset by a number of significant advantages.

VISA Gold with original design

Sberbank gives customers the opportunity to get Visa Gold with an original design, which can be a photograph of the owner (even an image from social networks) or a picture from the Sberbank database. You can order this service online on the bank's website.

Card account replenishment

Top-up Visa Gold is easy. You should choose one of the many options:

• the required amount will be credited to an account in any branch of Sberbank. To do this, just give the money to the cashier, provide your passport and indicate the card number. If you do not have documents with you, you can indicate the account number and details of the representative office in which the service contract was signed;
• you can use the terminal - this is one of the most common deposit methods;
• from any account, card of Sberbank. The operation can be performed in Personal account Sberbank Online using a mobile application. If there is another card, then the money will be easily transferred using the terminals, ATMs of the bank;
• from an account in any other bank. This procedure is the most time consuming, since you need to know the details of Sberbank, card number, account. In addition, money is credited not instantly, as in most cases, but throughout the day;
• using the Visa Direct service - this procedure is available all over the world. Transfer of the required amount is carried out online, using a computer, smartphone or through terminals, ATMs of banks working with this service. The process of crediting money is instant, but there are delays.

Details on debit gold cards at Sberbank

All the possibilities and conditions for VISA Gold gold cards in Sberbank are on the official website page.

Visa Gold Credit Card Gold

The main feature of the Visa Gold credit card and its advantage is a long grace period (50 days), during which you can use the money for free, that is, no interest will be charged. After a month, a bank statement will come and there are still 20 days left to repay the entire withdrawn amount. If you cannot repay the entire amount within the specified period, then interest rate will amount to 23.9 - 27.9%.

Card maintenance can be free, but this applies only to citizens who have received a personal offer from Sberbank, the rest will have to pay 3 thousand rubles annually. Maximum limit on this card - 600 thousand rubles.

Who can get a Visa Gold Sberbank credit card? The conditions in 2018 are as follows - an employed Russian who has reached the age of 21 can get it. Work experience should not be less than 6 months in the last job and one year in general. To issue a credit card, you must provide a document confirming the existence of income - a 2-NDFL certificate, which indicates the salary for the last six months. Sberbank can replace the specified document with a certificate of its own form - this somewhat simplifies the task.

Also, the client is obliged to provide the following documents:

• passport;
• a copy of the work book, which indicates that the person is working and he has sufficient experience. The bank also accepts copies of employment contracts, certificates of individual entrepreneurs (necessarily certified by a notary).

To get a credit card you need to do the following:

1. Submit your application. This can be done online.
2. Wait for preliminary approval.
3. Come to the bank branch and provide the above documents.
4. To wait for the final decision - it may take two days.
5. Get a card.

Visa credit card benefits Gold

Credit card Visa Gold Sberbank - conditions in 2018 provide the following opportunities:

• discounts, bonuses from Sberbank, its partners, Visa systems can reach 50% of the cost of services, goods;
• use all the services of the lender (Sberbank Online, etc.);
• if the card is lost outside the Russian Federation, the bank guarantees the receipt of the required amount as soon as possible;
• many options for cashing out, debt repayment;
• control over operations, balance money; obtaining any information, and in various ways.

It is easy to use a credit card, it is enough to present it at any point of sale, indicate the SecureCode, and during the online operation, the details and money will instantly go to the seller's account.

Visa Classic Youth / Master Card Standart Youth

Visa Credit Momentum / Master Card Credit Momentum

Annual maintenance for QC.

% of the QC rate.

QC parameters.

CC opens only in rubles !!!

For a period of 3 years, only Momentum (1 year) is excluded.

Additional cards to KK are not issued. The client can have only 1 CC in the SB, a grace period of up to 50 days (by bank transfer).

Mandatory connection of the Mobile Bank - free of charge !!!

QC can be used abroad.

The credit limit is set no later than the next business day after receiving the card (applies to all CC)

Information on the action of the QC can be obtained in the monthly report, by calling the ERCC.

The term "Package offer" is only a preferential category !!!

The KK account is closed within 30 days.

Am cards. Express.

Am. Express is only credit cards !!!

Currency - rubles, $, euro

These cards can be issued by both “beneficiary” clients and “off the street” clients

Clients "from the street" can issue cards Am. Express Platinum.

"Beneficiaries" clients can apply for cards Am. Express Platinumand Am. Express Black.

For credit cards Am. Express additional cards may be issued !!!

Within the tariff "Presidential"card issued Am. Express Black.

BIN - bank identification number, indicated on the face of the card - first 6 digits.

One issuing bank can have several BINs.

One BIN cannot belong to several banks.

Pin Is an analogue of the personal signature of the holder.

17.04 Anastasia "Problem solving"

BC numbers:

Report Date (doo) -it is a fixed date for each month. It is indicated on the pin envelope, in the contract and you can find it in the ERKTs, in the VSP.

Payment date (d.p.) Is the date by which the client needs to enter obligatory payment and it is calculated as 20 days from the date of the report, excluding this date.

Mandatory payment (o.b.) -this is the amount minimum payment which the client is obliged to pay before the date of payment (a.d.) and is calculated as 5% of the principal amount (o.d.) +% commission, penalties, annual service. The obligatory payment cannot be less than 150 rubles !!!

Grace period - this is the period during which no interest is charged for the use of credit funds.

The grace period applies only to non-cash transactions in the TST and ranges from 20 to 50 days.

The grace period is valid only until the date of payment !!!

To maintain the grace period, you must pay off the entire amount of the total debt before the payment date. !!! If the client has not paid the entire amount of the total debt before the payment date, or has made only a mandatory payment, then the grace period is not saved (canceled) and% is charged from the moment of the transaction.

If the client pays the amount before the reporting date (d.o.), then it automatically goes to reduce the total debt. (Primarily for cash payment).

When withdrawing funds from the CC, the client must deposit funds + 3% of the amount, and the grace period is not provided here.% Is accrued after the withdrawal.

Penaltyare penalties charged by the bank for the amount of mandatory payment from the moment of formation of the debt (the next day after the date of payment) in the amount of double% of the rate.

Problem number 1.

The client has KK Visa Classic for the preferential category at 19% per annum.

Sberbank itself chooses the customers to whom it decides to issue a credit card, and draws up a so-called “pre-approved offer”. He tells you (usually by phone) that you are the chosen one and only consent is required from you. After receiving a positive response from you, you are invited to come with your passport at a convenient day and time (within the working day of Sberbank) to any office that suits you.

The following factors influence the formation of a “pre-approved offer”:

• using a Sberbank card to receive a salary or pension;
• sberbank debit card;
• presence of a deposit in Sberbank;
• availability of a consumer loan at Sberbank.

The mandatory requirements for obtaining a Gold card are as follows:

• Russian citizenship.
• Age from 21 to 65 years old.
• The presence of a permanent or temporary registration in any city / village of Russia.

How does the grace period work on a Sberbank Gold credit card?

With a Gold credit card there is a so-called "accounting period", that is, the period during which you can make purchases without invoicing. The reporting period lasts 30 days and starts from the day you opened an account for your credit card. Please note that if you opened a credit card, for example, on October 14, your accounting period will start on the 14th of any month and end exactly 30 days later.

This is how a Gold credit card from Sberbank looks like

Upon completion reporting period begins the so-called. A “maturity period” of 20 days. During these days you need to be in time:

a) either return all the money you spent on the credit card

b) either make a mandatory monthly payment (this is 5% of your loan debt, but not less than 150 rubles).

If you do not have time to do one of these actions, then interest is charged for the loan, and for delays in mandatory payments - a penalty of 36% per annum.

It is easy to guess that for the longest interest-free period of using a credit card, you need to start using it on the day of the beginning of the reporting period, which will give you 30 days of the reporting period + 20 days of the repayment period (total 50 days without interest).

Sberbank Gold credit card conditions

1. The credit card is issued only for one and for three years, after which it can be reissued.
2. The card account is generated only in rubles.
3. The card is issued for three years.
4. Service of the card costs 3,000 rubles per year.
5. The maximum credit limit is up to 600 thousand rubles.
6. The interest on credit cards of Sberbank Goal is set at 27.9% per annum. (In some cases, customers are asked to profitable termswhere the interest rate starts at 23.9%).
7. For delays in mandatory payments, a penalty of 36% per annum is charged.
8. You can withdraw no more than 100 thousand rubles from a Gold credit card per day through an ATM and no more than 300 thousand through a cashier. You can credit no more than 10 million rubles in cash per day.

If you manage to get a card from August to December 31, 2017, then the first year of credit card service will be free, and you will have to pay 3 thousand for the second and third years.

Description of conditions gold cards on the official site

Additional features of bank cards Gold

• You can manage your credit card on the Sberbank website using the Sberbank Online service with 3D-secure technology.
• Card management can also be carried out using the Sberbank mobile application, which works on both Android and iOS.
• For Gold cards, there is also the “Mobile Bank” function - SMS notification about completed transactions and the ability to replenish the account of the mobile phone number to which the card is linked, also using SMS.
• With this credit card, you can not only make non-cash purchases in stores, pay for orders in cafes and restaurants, but also pay for utilities, education, government services and much more!
• You can pay with a credit card in shops and other establishments, simply by placing the card to the reader. In addition, you can link the card to mobile applicationthat allows you to pay by touching your smartphone to the device.

Note. Credit card money cannot be transferred to any other card natural person, including Sberbank. Make a transfer to the account legal entity can.

Cashback conditions for Sberbank credit cards Visa and MasterCard Gold

As with other credit cards, a cashback program operates on Gold cards: you pay with a card in shops and cafes, and he returns you the interest on the purchase back. With regular purchases, you are credited with cashback from 0.5% of the amount spent (it all depends on the specific place and nature of the purchase).

However, in stores and cafes that are part of Sberbank's partners, you can get even more bonuses - up to 50% of the purchase amount.

There are also promotions. For example, if you manage to issue a card from September 18 to October 31, 2017, you can receive 10% cashback in any cafes and restaurants until April 30, 2018.

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

Advantages of the Visa Gold Sberbank card

Main advantages and privileges debit card Visa Gold from Sberbank:

• used currency: euros, rubles or dollars;
• issue of additional cards, including cards for children from 7 years old;
• access to promotions and discounts even in other countries;
• equal service and cash withdrawal of funds in the Russian Federation and abroad;
• reliable protection with an electronic chip;
• use as a salary card.

Since Visa Gold Sberbank belongs to premium cards, then, regardless of the chosen one, the subscription fee is not charged. The service will be useful to those customers who, as well as closely monitor money transfersdrawn across the map.

Visa Gold card restrictions Sberbank

The card is valid for 3 years. At the end of this period, you can close the account, order or renew the existing contract. You can replace a valid card even before the expiration date, without paying a commission.

Visa Gold card replenishment options: