Features of the gold credit card of the Savings Bank. Sberbank gold credit card Interest rate on a Sberbank gold card

Sberbank, the largest Russian bank, provides a wide range of services to the population. Among the variety of credit cards issued by him, "Gold" is popular credit card Sberbank. What are its differences from the classic one? What options does it have? Let's consider further.

"Gold" credit card of Sberbank: what is it, how to use it?

Sberbank clients tend to open a "Golden" credit card, because it has advantages.

Namely:

24 hours a day serviced by a contact center;

Safely protects money with a chip;

Can be restored to any country in the world;

Participates in the bonus program "Thank you", as well as in promotions periodically held by payment systems MasterCard and Visa;

Allows you to connect the recurring payment option, which will automatically be triggered every month on the specified date;

Can be replenished in various ways;

Allows you to track movement money independently, remotely - using Internet banking or a mobile application;

Allows you to conduct cashless payments both in Russia and abroad.

Credit card terms

Maximum credit limit - 600 thousand rubles;
Interest rate - no more than 33.9%;
Valid for 36 months;
Grace period - 50 days;
Annual maintenance - RUB 3,000;
Mobile bank connects for free.

The Sberbank Zolotaya credit card is available in several types: MasterCard Gold, Visa Gold, Visa Gold “Give Life” and Visa Gold Aeroflot. Each of them has its own pros and cons that relate to terms of use and privileges.

For example, an Aeroflot credit card accumulates miles when making a cashless payment. You can later buy air tickets for them. In case of non-cash payment with plastic "Give Life" 0.3% of the amount spent is credited to the fund to help children with cancer.

It is thanks to such advantages and conditions that the Sberbank Zolotaya credit card is in demand among users.

Requirements for clients and documents

Be between the ages of 21 and 65;
Be registered in the region where the bank branch is located;
Have a total work experience for the last five years equal to 1 year, and continuous work experience in the last job equal to 6 months.

Note!

To get a credit card, you can apply either at the Sberbank branch at your place of residence, or on the bank's official website on the Internet. The ability to submit a request for plastic remotely is a big plus.

But, even if the application is submitted via the Internet, the bank branch will still have to visit to submit necessary documentation... These are the conditions of Sberbank. Few know about this minus.

The credit limit, like the annual interest rate, is determined individually for each client. According to the terms of the bank, in order to receive the maximum amount of money at a low interest rate, one should either have a deposit account with Sberbank or receive a salary on the card. Also, the loan amount is influenced by the applicant's monthly income and credit history.

Credit card terms

You can use a credit card in Russia and abroad. When cashing out funds abroad, the currency is automatically converted according to the Sberbank exchange rate.

Good to know!

You can withdraw cash from a "Gold" credit card at cash desks and self-service devices of Sberbank and third-party banks. According to the lender's terms, at Sberbank ATMs, the commission for withdrawing funds is 3% of the amount, and at ATMs of other banks - 4%. Maximum per day can be withdrawn 300 thousand rubles.

The main condition is cashless payments. If the money is cashed, then you should not count on their interest-free use. Compared with the conditions of other banks, this is a minus.
If your credit card is lost in Russia or abroad, you can use the emergency cash withdrawal function without a card.

Credit card pros and cons

Among the advantages are:

Possibility of contactless payment;
High level of protection;
Large credit limit;
Free use of a mobile bank;
A grace period of 50 days;
Accessibility to the general population, as well as to customers of different age groups;
Opportunity to participate in Visa and MasterCard promotions.

Among the cons are:

High annual interest rate;
High maintenance cost;
The need to pay a commission when cashing out funds;
No grace period when withdrawing funds.

Holders of Gold credit cards have the opportunity to use Internet banking, due to which they control the movement of funds in the account and make non-cash transactions.

Debit "Gold" card: terms of registration and use

The key advantage of plastic is the availability and opportunity to participate in various bonus programs, as well as promotions of MasterCard and Visa payment systems.

A "gold" debit card differs from a credit card in a simpler design. So, a citizen of Russia who has reached the age of majority and has a permanent residence permit can receive it. Under the terms of the bank, non-residents can also receive plastic, but not always. This is a minus of the banking product.

Note!

To obtain a "Gold" debit card, the applicant should visit the Sberbank office or submit an online application on the bank's website. An exception is the "Gold" card payment system MasterCard, which cannot be processed remotely. Users consider this a disadvantage.

Having issued debit plastic, the owner has the right to open additional ones by linking them to the account. They can even be issued to children over 7 years old. The cost of such a service is 2.5 thousand rubles.

The advantages of a "Gold" debit card include:

Discounts and special offers from Sberbank partners;
24/7 support;
High protection of funds in the account;
The ability to use it anywhere in the world;
The ability to withdraw money without its availability.

The disadvantages of a debit "Gold" card include an expensive annual service, which is not available to the average citizen of Russia.

Co-branded "Gold" credit cards: types and conditions

1. Aeroflot;
2. "Give life."

Cards that are issued jointly with their partners are called combining cards. They have features and advantages in comparison with other "Gold" cards of the bank. Co-branded products are issued on a special offer or on a general basis.

"Gift a life"

The cost of annual maintenance is not fixed, it ranges from 0 to 3.5 thousand rubles. The plastic is issued by the Visa payment system. More detailed information on the terms of use of a "Gold" credit card can be found on the official website of Sberbank.

Aeroflot

The annual service cost is 3.5 thousand rubles. According to the terms, the minimum annual rate is 25.9%. The card is issued by the Visa payment system. The co-branded "Golden" credit card Aeroflot from Sberbank has good user reviews on the Internet, because it is practically devoid of drawbacks.

Good to know!

The Aeroflot Gold Card is accompanied by a paid service. But under the terms of the bank there is an exception. These are verified clients, salary clients and holders of a deposit account, to whom a credit card is provided free of charge.

But considering that many people use Sberbank's services, a large number of customers will get the Aeroflot Gold Card for free. This condition can be attributed to its advantages.

The gold credit card is popular among Sberbank customers because has a long grace period and is not expensive to maintain.

Before applying for a card, find out what it is, how to use it, all the pros and cons of a gold credit card.

In this article, we will consider in detail whether it is worth applying for a gold card from Sberbank.

The card is issued (issued) by payment systems - Visa, MasterCard and Mir.

General conditions and tariffs are the same for all payment systems:

• Validity period - 3 years;
• Currency - rubles, in dollars and euros - not issued;
• Annual service: if there is an individual offer from the bank - free of charge, if there is none - 3,000 rubles a year;
• Grace period - up to 50 days;
• Re-issue - free; replacement of the card in case of its theft, loss, data change - free of charge;
• Interest rate: for the privileged category of holders with a pre-approved offer - 23.9%, for the rest - 27.9%;
• In case of overdue payment, the interest rate rises to 36%;
• Maximum limit: at the suggestion of the bank - up to 600 thousand rubles, on general terms - up to 300 thousand rubles; the individual limit is calculated based on the solvency of a particular client;
• Cash withdrawal commission - 3% of the amount, at least 390 rubles;
• The limit for cash withdrawals through a Sberbank ATM is 100 thousand rubles. per day, through the cashier - 300 thousand rubles;
• The minimum monthly installment is 5% of the debt;
• Providing SMS information, access to the Sberbank Online system, Mobile application - is free.

Rate

Grace period

Credit limit

• When you open a savings account "For every day", interest is charged on the balance: for salary clients up to 5.5%, for other clients up to 4.5% per annum, depending on the amount;
• There is no commission for replenishing an account, for withdrawing cash from ATMs of Raiffeisenbank and partners;
• Commission for cash withdrawals through other banks - 1%, at least 100 rubles;
• Cash withdrawal limits: 200 thousand rubles / day, 1 million rubles / month;
• Option for SMS notifications 60 rubles / month;
• You can make transactions up to 6 million rubles per month.

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How to get a card

To open "gold" plastic from Sberbank, the client must meet the following parameters:

• Age from 21 to 65 years old.
• Russian citizenship, permanent or temporary registration in the area of \u200b\u200bthe territorial bank.
• Official employment and proven monthly income.

You can apply through Sberbank Online or apply with a passport to the manager at the bank branch.

Applying online is more convenient. In the system, you can find out about the availability of an individual offer, select the loan product you are interested in, indicate the desired limit. If the card is pre-approved, it will be issued automatically, there is no need to visit the office additionally.

If the card was not approved by you in advance, then you need to go to the department and take your documents with you:

• Passport;
• For salary clients - a card;
• For the rest of the category of borrowers: a certificate in the form of 2-ndfl for 6 months, a copy of the work book, certified by the employer.
• For pensioners - a certificate on the amount of pension issued by the territorial office of the Pension Fund.

Application processing takes about 2 days. If approved, the card is issued and delivered to the bank branch specified in the application. Depending on the territorial distance, delivery takes up to 14 calendar days.

The bank does not issue a card to all customers. Who has a great chance of getting it:

• Salary holders or pension cards Sberbank;
• Bank borrower, after receiving a consumer or mortgage loan;
• A bank depositor with an active movement of funds on the account;
• Holders of personal cards that have cash flows.

Having a good credit history also has a beneficial effect on the formation of an individual proposal. Sometimes, to get a card, it is enough to issue a small consumer credit on short term and repay it ahead of schedule. So the bank will be confident in the borrower's reputation and solvency.

How to use a credit card

With a credit card issued by Sberbank, you can perform the following operations:

• Payment for goods and services in the retail and trade network. You can pay with the card in any store, restaurant, hairdresser, cinema, which has a payment terminal;
• Payment for goods purchased in online stores;
• Payment utilities through a bank payment terminal or online system;
• Replenishment of mobile phone account;
• Cash withdrawal via ATM.

All operations, except for cashing out, are free.

No additional steps are required to start using the card. The limit is loaded immediately upon receipt. You can verify this by typing the set PIN-code and requesting the balance at the ATM.

Transactions are performed within the approved limit. If it is not enough for a purchase, you can deposit your own funds on the card. It is important to remember that you cannot withdraw even personal money through an ATM without a commission.

How to increase the money limit on the card

You cannot initiate an increase in the credit limit. On a positive note, the bank analyzes the movement of money on credit cards of its borrowers and their financial condition every six months. With the active use of the card and the absence of overdue debt, Sberbank offers to increase the amount of credit funds.

You can reduce the limit as you wish. The funds on the card will be cut to the level specified in the application issued at the bank branch.

Remember the safety and security of funds on the card

For all operations performed with a credit card, SMS informing comes. This is important when making payments over the Internet. The received code must not be disclosed to anyone, especially if the holder did not perform any action. In this case, it is better to block the card by calling the contact center and reissue it.

How the grace period works

You can use a credit card absolutely free. To do this, you need to understand how the grace period works and be able to calculate it.

1. - this is the number of days established by the bank during which the borrower can return the funds to the card without interest. In Sberbank, it ranges from 20 to 50 days and depends on the date of the credit card report.
2. The report date is the day of the month in which the card was issued. It is indicated on the PIN envelope, in the card report, in the detailed information in the personal account. You can also contact the 24-hour contact center.

According to the agreement, the grace period for a Sberbank credit card is calculated as 20 days from the date of the report. If you use the money the next day after this date, then the scheme looks like this: a month until the next report plus a fixed 20 days. This is the most profitable option, the interest-free period is 50 days.

Every day, the period decreases (49 days if 2 days have passed from the date of the report to the purchase, 48 - if 3, and so on). The most inconvenient option: the payment takes place today, and tomorrow is the date of the report, the money will need to be returned in 20 days.

The grace period is valid only for non-cash payments. When cashing out through an ATM, interest is charged immediately.

And one more thing: if the borrower did not meet the grace period and contributed only part of the funds, interest will be charged for the entire period of using the borrowed funds, even if there was a non-cash write-off.

The payment date is calculated in the same way. If this is not taken into account, you can get into a difficult situation with large expenses. It is not always possible to deposit the entire amount at once after a short period of time.

How to pay off debt

You can top up a credit card without a commission:

• Cash via ATM;
• Cash through the cashier;
• Cashless from a Sberbank debit card.

The cashless method is more convenient, it allows you to make a deposit without leaving your home. To do this, you can use the help of Sberbank Online (operation "transfer from card to card"), the mobile version through an electronic device (tablet, phone), or send an SMS to the number 900 (text " transfer 1111 2222 1000"Where 1111 - the last 4 characters of the debit card number, 2222 - the last 4 digits of the credit card number, 1000 - transfer amount).

10 days before the payment, an informational SMS message is sent to the holder's phone, indicating minimum amountto be redeemed and the date by which you want to deposit money.

The minimum payment is calculated as 5% from the amount of debt. As the debt decreases, the payment also decreases. In fact, the repayment schedule can be stretched indefinitely.

The number in SMS is minimal and indicative. The sooner the debt is repaid, the less the final overpayment will be. By contacting the bank's employees, you can manually draw up an individual payment schedule, choosing the optimal period and amount of monthly contributions, not less than the prescribed 5% .

You can quickly monitor and find out the amount of debt in the following ways:

1. Order a report on the card by e-mail;
2. In your personal account Sberbank Online;
3. Through a mobile application;
4. In an SMS message by sending the command “ Debt»To the number 900 .

Pros and cons of the gold card

A gold credit card from Sberbank has undeniable advantages:

• return to the card upon payment before 20% ;
• free remote maintenance services;
• no annual special offer service.

There are also disadvantages:

• high annual service, in the absence of an offer;
• no bonuses;
• you cannot issue an additional card;
• high commission for cashing out;
• you cannot make a wire transfer to debit card.

Conclusion

• Gold credit card is an advantageous offer for those who want to have a "spare wallet" in their pocket and emphasize their status.
• Skillfully using the bank's tools, you can get out of difficult financial situations without loss and earn a good credit reputation.
• Those who receive a salary from a savings bank or simply actively use the services of a bank and keep money there have great chances of getting a card.

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 gold card Sberbank, the pros and cons of which are of interest to all users. Moreover, you should figure out how this product actually differs from the classic version and what opportunities it gives to its owner.

What is a Sberbank gold card

Many users are wondering what the Sberbank gold card gives to its owners and what characteristics it has. First of all, it should be noted that, first of all, it emphasizes the high status and material viability of the client, banks offer this banking product only to active and respectable depositors or borrowers. For Sberbank customers, the gold card will become an attractive and profitable product and there are several reasons for this:

• round-the-clock service in the contact center of Sberbank;
• protection of funds with an electronic chip;
• card recovery after loss anywhere in the world;
• participation in the "Thank you from Sberbank" bonus program;
• the ability to connect "Autopayment";
• control of finances using " Mobile Bank"And" Sberbank.Online ";
• participation in programs of discounts and privileges from Visa and MasterCard;
• several ways to fund your account;
• cashless payments for purchases and services in Russia and abroad.

A 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 a convenient financial instrument that can be used for different purposes: receiving cash, paying for goods and services. Also, their difference is that the user can use borrowed funds or his own and enjoy all the privileges that this product gives. Gold cards from Sberbank come in two categories, Visa or MasterCard.

Terms of use:

• the maximum loan amount is 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;
• annual service cost - 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 difference between all products is only that each payment system (Visa, MasterCard) has different bonus programs and preferential conditions, you can find out about them on the official websites. Credit Visa Gold Sberbank Aeroflot gives customers the opportunity to make purchases and earn miles, which in the future can be exchanged for airline tickets of this company. Visa Gold "Give Life" allows you to contribute to a charity fund, that is, the bank transfers 0.3% of the funds spent by the client.

How to get a credit card

Each client can independently arrange a banking product if it meets the basic requirements of the lender:

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

You can fill out the form at the nearest branch of the bank or on the official website. In any case, the borrower should come to the office and submit his documents: a passport, a certificate in the form of 2-NDFL, a photocopy of the work book. Terms of consideration of the questionnaire 2 working 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. Besides, the leading role is played by the credit history of the potential borrower and his monthly income.

Terms of use

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

You can withdraw cash from a credit card at ATMs of Sberbank and third-party financial institutions... Sberbank's commission is 3% if you cash out through ATMs or cash desks of Sberbank and subsidiaries, and 4% through other financial institutions. Here, the big difference from the others is that the maximum daily limit for cash withdrawals reaches 300 thousand rubles.

Remote management of Sberbank accounts

Owners can use credit funds for free. The grace period is 50 days, during this period, you can return the borrowed funds and not overpay the interest for the use. But it must be borne in mind that this does not apply to cash withdrawals, that is, when cashing out funds, interest is charged immediately.

The client can withdraw cash from the credit account even if the credit card is lost 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 Bank;
• bonus programs from international systems Visa or MasterCard;
• grace period 50 days;
• available for a wide range of clients of different ages.

Cons of the Sberbank gold card:

• high loan rate;
• costly annual maintenance;
• high interest for cash withdrawals;
• lack of interest-free cash withdrawals.

Among other things, Sberbank clients have the opportunity to control their accounts remotely, for this it is enough to connect the Sberbank Online service. With its help, you can pay any bills, connect "Autopayment", control the dates and size of the next payment, and much more.

Calculation of monthly payments on a gold card

Sberbank gold debit card

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

How to get

It is much easier to issue 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 a permanent registration. Although Sberbank can issue a debit card to citizens of other countries, the organization reserves this decision.
For registration, it is enough to contact the nearest bank branch or fill out a form remotely on the official website, here you do not need confirmation of income and a permanent job, because the owner will use only his own funds.
Please note that online you can fill out an application only for visa card Gold, you can get MasterCard only at a bank branch.

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

Advantages and disadvantages

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

• the opportunity to receive discounts and privileges from the bank's partners;
• round-the-clock service by telephone hotline;
• a high degree of protection for your savings;
• the opportunity to use funds in Russia and abroad;
• the ability to issue an additional card (credit cards do not have this option);
• emergency issue of money in case of loss or theft of the card.

Many owners of this product noted that it is quite expensive for middle-income clients, therefore it is not economically feasible to issue it.

Please note that an unlimited overdraft is available for gold debit card users.

How to get and use a gold card for free

For each client, the Sberbank gold card is attractive, what it is and what opportunities it gives has already been discussed, but not everyone will want to issue it due to expensive service or high interest rates. Free registration and service is available for regular customers of the bank.

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

A personalized offer can go to customers who receive wages through Sberbank, opened deposits or previously took loans. An offer can be received by letter, via SMS or a call from an employee.

How to get a Sberbank gold card for free: for this you need to receive a personal offer from the lender, then come to the bank branch with a package of documents. It is imperative to provide certificates of income and confirmation of a permanent place of work (salary clients do not need this).

Co-branded gold cards

The line of Sberbank gold cards has co-branded cards - these are "Give life" and "Aeroflot"... They have their own characteristics and privileges, they can be issued on a general basis or on a special offer from Sberbank.

"Give Life" allows the owners to help the charitable foundation of the same name; the bank transfers 0.3% of the funds spent in its favor. The minimum loan rate 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 learn 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 customers can actively use the card, receive bonus miles and exchange them for air tickets. The cost of annual maintenance is 3500 rubles, the interest rate on the loan is from 25.9%. These cards are provided only from the Visa payment system.

Please note that there is no free service with the Aeroflot Visa Gold card.

So, free service Sberbank's gold card is available only for regular customers of this organization, for all the rest the fee is quite high. But given the fact that more than half of the population of our country chooses exactly Sberbank, then each of the regular customers, depositors or borrowers can receive a personal offer.

A Savings Bank credit card is a type of bank loan available to regular customers and others who meet certain requirements. This financial instrument provides a number of benefits, bonuses and privileges. The conditions for using a gold credit card from Sberbank will suit most people, but we still recommend that you familiarize yourself with some of the requirements and obligations in our article before signing an agreement.

To obtain a status instrument of a loan product, it is enough to leave a request at the nearest bank branch or send an online application.

The next step is to visit credit organizationby submitting a standard set of documents for consideration:

• passport;
• a copy of the work book, certified by the employer;
• 2-NDFL certificate;
• military ID for men;
• in some cases, the TIN of the employing organization.

A request for the issuance of a Sberbank gold credit card is approved if the candidate:

1. is a citizen of the Russian Federation;
2. has a permanent job;
3. has been employed in the current workplace for at least a year (for participants in salary projects - six months).

Preference is given to persons:

1. between the ages of 25 and 65;
2. those who receive wages above the average for the region;
3. who are clients of Sberbank;
4. with a good credit history.

Important: when considering an application for a card, the issuing bank has the right to request information about the client's assets. The information received can be decisive in making the final answer.

Terms of use

If there is a bank letter offering to open a gold credit card with a pre-approved limit, the borrower can become its owner under special conditions :

• no service fees in the first year of using the loan;
• reduced rate, varying within 25.9%.

Normal conditions:

1. A gold credit card has a three-year lifespan, followed by a reissue.
2. The account is opened in rubles.
3. Sberbank credit card types: visa gold and mastercard gold.
4. The service cost varies from 0 to 3000 rubles per year.

1. The card limit does not exceed 600,000 rubles. and is calculated separately for each client.
2. There are promotions, privileges, discounts, as well as the system of accumulating bonuses "Thank you" of Sberbank.
3. Thanks to the built-in electronic chip, the card is under special protection.
4. In case of its loss abroad, you can make an emergency withdrawal of funds.
5. Cash withdrawal in Russian and foreign branches is carried out on the same terms.
6. The grace period is 50 days, during which it is possible to use credit funds free of charge. This item is relevant only for non-cash transactions.
7. The interest rate is determined individually based on the client's solvency, credit history and the availability of other banking products. Its value ranges from 23.9% to 27.9%.
8. The amount of the monthly payment is 5% of the amount owed. The term for its entry is 30 days from the date of the expense transaction.

Cashless payments

You can pay with a credit card:

• goods in the store with a payment terminal, including a one-touch contactless card;
• orders on the Internet, protected by a code from SMS, confirming payment;
• using only a smartphone, you can make purchases with one touch, for this set pay application (Apple), Samsung Pay and Google pay (Android).

Important: in the absence of the owner's name and surname on the card during the payment in the online store, these data are indicated in the Latin alphabet.

Receiving cash

Cash withdrawals from a credit card account are available at branches and ATMs of Sberbank, as well as at ATMs and terminals of other credit organizations.

In the first case, the commission for receiving will be 3%, in the second - 4%.

The minimum cost of the service is 390 rubles. Therefore, it is more profitable to use the card for non-cash payments.

No interest and delays

In order not to miss the end of the grace period, it is important to remember reporting date on the map. If the report date is August 20, then the interest-free period is counted from the 21st. Funds spent on August 21 must be deposited within the next 50 days, that is, by October 10. Otherwise, interest will be charged on the amount used. When making a purchase, for example, on September 8th, the period will be equal to 32 days remaining until October 10th.

Important: A common reason for grace period violations is not knowing the reporting date. You can find out this information:

• from a message received by e-mail on the day following the reporting date;
• in your personal account by selecting the item "information on the card";
• at the Contact Center by calling a free phone.

How to find out the amount of debt

The bank regularly sends SMS containing the total debt balance, the amount of the current payment and the date of its payment. It is enough to transfer funds to the account in accordance with the requirements of the bank in order to avoid delays. You can also check the amount of debt by contacting Contact Center, or in the electronic cabinet.

What to do if there is no SMS notification

1. Check the connection of the card to the Mobile Bank service by going to personal Area or by sending the message "06" to number 900.
2. Free up phone memory.
3. Contact the subscriber service of your operator to clarify the serviceability of the SMS center.

Credit limit

To obtain information on the amount of the credit limit, you must:

• check the balance at the ATM;
• send a message with the following content: "BALANCE XXXX" to number 900, where XXXX is a combination of the last digits of the card number;
• use the Sberbank online service by selecting the appropriate tab.

Sberbank customers can apply for Visa and MasterCard gold credit cards. A Gold credit card is not just a status item. It gives its owners special conditions of use and a number of service privileges.

A special offer for issuing a Sberbank gold credit card can be received by a regular client of the bank who actively uses its services.

Also, anyone can get a Gold card in Sberbank, but then the terms of use will be less favorable.

What does a personal offer give?

Free annual service. In the struggle for customers, banks are trying to attract them with attractive terms. If earlier it was necessary to pay a tidy sum for the design and maintenance of gold "plastic", now it is quite possible to find options with free service.

For new clients of Sberbank, a gold credit card is issued free of charge, but its content will cost 3000 rubles. in year.

Reduced annual interest on the loan - 25.9%. And when you issue a card without a special offer, you will have to pay 33.9% per year.

The minimum interest rate and free service are possible only if credit limit, which the bank has formed for a specific borrower. If the client does not agree and wants to get a higher limit, the conditions for a gold credit card in Sberbank are agreed individually.

How do I get a special offer?

The bank creates a personal offer for issuing a gold credit card for holders of salary and debit accounts, for depositors and borrowers for all types of loans, except for card loans.

The offer can come in the form of a call from the bank or a letter received by mail.

You can go to any branch of Sberbank and check with the manager if you have a list of prospective customers for a gold credit card.

A personal offer is also displayed at the ATM, where you can see the generated limit and rate.

Terms of use for a gold credit card from Sberbank:

• The credit limit can reach 600,000 rubles.
• The annual rate is from 25.9 to 33.9 percent.
• Annual maintenance fee from 0 to 3,000 rubles / year.
• Cash withdrawal rate: 3% at own ATMs and 4% (at least RUB 100) at ATMs of other banks.
• Grace period during which no interest is accrued - up to 50 days.
• Valid for 3 years.
• The presence of an electronic chip that provides additional protection and is suitable for use in many terminals in Europe.
• Free SMS-banking (SMS notifications about balance changes).
• Participation in discounts and promotions.
• When making calculations in foreign currency the conversion is carried out at the rate of Sberbank on the day of the transaction.
• There are no additional and hidden fees.

Requirements for holders

A citizen of the Russian Federation with permanent registration on the territory of the country, aged 21-65 years, can receive a Gold credit card from Sberbank.

Over the past five years, the total work experience of the borrower must be at least a year, of which half a year at the current place of work.

List of documents:

• Application form.
• Passport.
• Second identity document.

Which payment system to choose?

When registering "plastic", Sberbank suggests choosing Visa or MasterCard as a payment system. There is no difference in service or function between them. The tariffs are the same, the possibilities are the same.

Credit gold card Visa of Sberbank has the only difference with MasterCard Gold in the form of promotions, which are carried out by the payment systems themselves together with other banks and large chain stores.

Cons of Sberbank gold cards:

• It is not possible to issue additional cards linked to the main account.
• There is no Cash-back, that is, the return of part of the spending in certain stores.

conclusions

The issuance of a Sberbank gold credit card on general terms is beneficial for those who often travel abroad, or make purchases in international chain stores, where there are promotions from Visa and MasterCard systems.

If Sberbank offers to issue a gold credit card as part of a personal offer, it may be even more profitable than issuing a regular credit card, since there is no service fee and additional privileges are provided.