The cards are gold. How is a gold credit card different from a regular one? What does a gold credit card of Sberbank give

In Russia, Sberbank is one of the largest financial institutions providing a whole range of products to the population of the country. Among the large selection of plastic cards, the golden "Visa" or "Mastercard" takes a special place. The tool gives additional options to the owner and has certain differences from the classic version.

What is a gold card of Sberbank of Russia

Some clients of this financial institution are not aware of all the capabilities and characteristics of this product. A gold card from Sberbank can be debit or have a credit limit. She emphasizes the high status of the owner, because the financial institution offers such cards only to salary clients or depositors with high income and a good reputation. Plastic is issued in Mastercard or Visa payment systems. You can order it through the official website or at any branch of the bank (Mastercard Gold cannot be issued via the Internet).

If you believe the reviews of the owners, the conditions for using this tool are very favorable. All the advantages and privileges of the Gold card are especially relevant for wealthy clients who often travel abroad. If the bank offered to issue a credit card to the client, then you will not have to pay a high tariff for servicing the account, which is the only disadvantage of the plastic of this line.

The privileges for owners are as follows:

Credit Visa Gold

Customers who have issued not only debit cards, but also credit cards can receive product privileges. The base rate on the loan is 33.9%, but for salary and regular customers, the financial institution reduces the overpayment to 25.9% per year. The maximum limit for those who have a Visa Gold credit card from Sberbank is 600 thousand rubles. The tool is available to working citizens of the Russian Federation over the age of 21.

Mastercard Gold

When applying for a card, the owner will be asked which payment system to issue plastic. Mastercard Gold Sberbank differs from "Visa" only in the list of promotions and discounts. Service tariffs and functions of this type of credit card are similar to the first option. It should be noted that MasterCard Gold cannot be ordered via the Internet; you must definitely visit the bank to submit an application.

Debit

This tool is very convenient for Russians, because the money on the card is under reliable protection. Apart from bonuses of payment systems, a gold debit card has other advantages. For example, round-the-clock service in the contact center, free re-issue of plastic in case of loss, the ability to receive money without presenting a card - this applies to any branch of a financial institution.

Free of charge

This product, in addition to many advantages, has a significant drawback - the high cost of maintenance per year. However, depositors and regular customers are provided with a Gold card from Sberbank with free service. In addition to the absence of an annual fee for services, clients receive a discount on the loan. If you are asked to issue a preferred instrument of the international payment system, think carefully before you refuse.

Terms of use of the Sberbank gold credit card

This payment instrument will delight the owner with a large package of services and opportunities. After activation, plastic can be used to pay for purchases on the Internet, shops, restaurants and gas stations. The currency of the card is national, but you can pay for goods, prices for which are set in euros or dollars. Currency is converted automatically.

The terms of the Sberbank gold credit card are as follows:

validity period - 3 years;
the maximum limit is 600 thousand rubles;
base rate - 33.9% per year (personal offer: 25.9% per year);
grace period - 50 days;
service - 3000 rubles.

Sberbank - gold debit card: terms of use

It is important for each client to know all the possibilities of his credit card, privileges and available operations. The conditions for using a Sberbank debit card are as follows:

currency - national and foreign to choose from;
additional cards are available;
service cost - 3 thousand rubles per year;
discounts and promotions of payment systems are available;
you can connect "Sberbank Online", mobile bank, "Thank you" bonuses.

How to get a gold Sberbank card

Any citizen of the Russian Federation can issue plastic on their own using a passport if they have reached the age of majority. The credit limit on the account is provided only to persons 21-65 years old who are able to confirm their income with a certificate. How to get a Sberbank gold card? The application form is submitted through the website or at the nearest bank office. The loan rate is calculated individually and can be reduced for salary clients. Standard offer - 33.9% per year.

It is easier to issue a debit card than plastic with a credit limit. The potential owner needs to have a Russian passport and residence permit in the region of circulation. Applications can be submitted through the official website. Here applications are accepted only for "Visa", and "Mastercard" will have to be ordered through the bank office. The service package costs 3,000 rubles, for each additional card the client pays 2,500 rubles.

Online

Almost all salary clients of this financial institution use the Sberbank Online service, through which you can send an application for the issue of a new card. The algorithm is as follows:

Log in to your personal account.
Select the desired product.
Fill out the form.
Enter your phone number.
Indicate personal data, address, registration.
If you need a card with a credit limit, indicate the desired parameters of the loan.
Confirm sending the application by SMS.

Another option is to get a Sberbank card online on the official website. The application process is the same as above. However, there is a difference in that the request needs to be re-confirmed by the client. Plastic is produced within 14 days. An application for a loan is considered within two working days. The client is notified about the readiness of the instrument and arrival at the desired branch of Sberbank by SMS.

At Sberbank

If you need to issue the plastic of the Mastercard payment system, you should contact the bank branch. You can also get a Gold card "Visa" through the nearest office, from an employee. Applications on a debit card are accepted with a passport, for cards with a credit limit, a 2 personal income tax certificate must be attached to the application. After contacting, the client will receive a notification about the readiness of the credit card in the form of an SMS or a call from a bank employee, no later than 14 days.

Advantages of the Sberbank gold card

This product is very popular and has a lot of positive reviews due to its significant advantages compared to classic plastic. The privileges of the Sberbank gold card are as follows:

bonuses from payment systems "Visa", "MasterCard";
service through the contact center 24 hours a day;
issuing additional cards for loved ones over 7 years old;
cash withdrawals in many countries on attractive terms;
high level of protection of funds in the account;
if a credit card is lost outside the Russian Federation, you can urgently receive money without a card;
making purchases in Russia and abroad.

Minuses

Like all banking products, this card has certain advantages and disadvantages. The disadvantages of the Sberbank gold card are that:

the owner cannot issue a duplicate of the plastic associated with the account of the existing card;
service costs 3,000 rubles a year;
there is no Cash-back from the cost of purchases.

The Sberbank gold card is an indicator of the bank's confidence in its client. This card allows a person to use certain privileges, which is sometimes very beneficial. A person can use the card everywhere, not only in Russia, but also abroad, which makes it popular for clients who often travel.

What it is?

The Sberbank Gold Card is a card that allows you not only to spend funds, cash them out, transfer, save or invest, but also use special offers for free. A bank card is issued specifically for each user and looks like a regular Visa or Mastercard (in other forms, Gold is not issued).

Sberbank of Russia took care of giving its regular customers a pleasant bonus for using the services of this bank. The advantages of Visa Gold and Mastercard Gold allow people not only to carry out financial transactions faster and more conveniently, but also to save money and make donations to charity.

Sberbank of Russia issues gold cards in such forms:

Visa Gold (regular, Give Life, Aeroflot);
Mastercard Gold.

These payment systems differ in what bonuses and promotions are provided to them, and all tariffs and conditions of use remain the same.

How is it different from the usual one?

The possibilities of the regular and gold cards differ from each other. Regular and gold cards are available as debit or credit cards. The actual debit and credit cards are already different from each other. You can borrow money with a credit card.

The first difference between a gold card and a regular one is that for Gold card users, an interest-free loan repayment is possible within 50 days. Also, for Gold credit card users, free service is available, and a standard amount is always set for an ordinary card (except for pension cards).

Also, Aeroflot cards allow people to accumulate bonuses when paying for plane tickets with their subsequent exchange for other tickets of this company. Give Life cards allow you to transfer funds to charity.

It happens as follows: by paying for any purchase with a card, the bank will transfer on your behalf 0.3% of this amount to the charitable foundation with which it cooperates. This gives you the chance to help people without losing anything.

A big plus in using a gold card is the ability to get help from bank staff at any time of the day and in any city. If your card is lost abroad, this does not mean that you are left without means of subsistence in a foreign country. Money can be handed over to you at any bank upon presentation of an identity document.

With a Gold card, a person is given a higher percentage in the "Thank you from Sberbank" program, which means that he will be able to save more when paying for his purchases with a card.

How to accumulate and use bonuses THANKS

But if any resident of Russia can issue debit cards, then getting a credit card is a little more difficult, you need a larger list of documents, but you can order a Gold credit card only under special conditions, which will be discussed below, which makes it more difficult for citizens of the country.

The only privilege of a regular credit card from a gold, this is the absence of interest for withdrawing cash at an ATM or bank branch. Therefore, the second option is more suitable for those who make all purchases via the Internet, and the first one is more suitable for those who pay in cash all the time.

Beneficial to use

How do I get a gold card?

Depending on what you want to arrange, there will be different requirements and a package of documents that must be submitted to the bank. Let's consider the ways of obtaining different types of cards and the requirements for registration.

Debit

To apply for a gold debit card, you must:

have Russian citizenship;
be over 18 years old;
have a permanent registration.

If these requirements are met, then you can come to a convenient branch of Sberbank with a passport and fill out a questionnaire. You can also do this on the Sberbank Online official website. But if you want to issue the Mastercard payment system, then you will have to come to the bank, since only the Visa payment system is issued in electronic form.

How much does it cost to open a card? 2500 rubles, and annual maintenance will cost 3000 rbl... After the expiration of the three-year period, the card is changed to a new one completely free of charge.

Credit

To apply for a Gold credit card, you must:

be between 21 and 65 years of age;
have Russian citizenship and residence permit;
have at least one year of work experience (at the last workplace, you must have worked for more than 6 months).

You can submit an application on the official website or directly at the bank branch, but you still have to come there. Upon receipt of the card, you must present:

the passport;
a photocopy of the work book;
certificate on the form 2-NDFL.

After a two-day consideration period, the bank will issue a decision on the possibility of registration.

A very important role is played by a person's credit history, if earlier he untimely paid loans, took them and did not return them for a long time, or did not return them at all, then registration will be refused.

But if he uses a Sberbank debit card, has a consumer loan and deposits in the bank, then the chance of consent is greater. It also rises for salary clients who receive a salary or pension at Sberbank.

Video:

Terms of Use

For holders of a gold credit card, there are many advantages in using it:

the card, although not unlimited, but the maximum amount of money taken on credit is 600 thousand rubles;
the daily limit for cash withdrawal reaches 300 thousand rubles;
when taking out a loan, there is a grace period of 50 days, during which interest is not charged;
the "Mobile Bank" service is provided free of charge;
loan interest rate up to 33.9%;
the annual cost of service is 3 thousand rubles;
more bonuses under the Thanks from Sberbank program.

When using a gold debit card, the following conditions apply:

round-the-clock customer service in the bank's contact center;
the ability to withdraw money abroad if the card is lost;
receiving bonuses from the "Thank you from Sberbank" program;
linking the card to electronic wallets.

Cons and pros

The table below will allow you to evaluate the advantage of gold cards over ordinary ones, but it will also point out a few disadvantages, which are sometimes not so important.

	pros	Minuses
Debit card	the opportunity to receive discounts in partner stores;	annual service of the card costs 3,000 rubles;
	issue of additional cards;	annual service for each additional card costs 2,500 rubles.


	money is accepted without commission;
	you do not need to pay a commission to withdraw cash;
	high degree of protection;
	monthly withdrawal limit of RUB 3,000,000;
	daily withdrawal limit 300 00 rubles.
Credit card	high degree of protection;	when withdrawing cash, Sberbank takes 3% commission, other banks - 4%;
	it is allowed to use the funds in all countries of the world;	when withdrawing cash on credit, interest is charged immediately;
	urgent issue of money in case of loss of the card;	annual service - 3,000 rubles;
	you can pay for purchases in any currency;	there is no chance to issue an additional card;
	interest-free loan repayment within 50 days;	the annual percentage is 27.9%.
	more bonuses and promotions;
	round-the-clock communication with the bank;
	you can pay for purchases without contact;
	free mobile bank;
	you can get a card with free service (for regular customers);
	a special offer allows you to reduce the interest on the loan to 17.9% and 23% per annum;
	cash and non-cash replenishment of the card;
	acceptance of funds without commission;
	allowed to make auto payments.

It is immediately obvious that gold cards have much more advantages than disadvantages. The price for the service may seem high to some, but in fact it is worth it.

"Gift a life"

This card allows a person to do good deeds without personal injury. Every time money is spent on a purchase, 0.3% of this amount is debited to charity. The card can be free, or the bank will charge 3,500 rubles for service, the bank reserves the right to choose. The card is issued only with the Visa payment system.

gift a life

Aeroflot

Aeroflot Gold visa allows a person to accumulate miles when using the card, and then exchange them for air tickets. The amount of 3,500 rubles is charged for service, there is no free card.

Aeroflot

Should I take a gold card?

Sometimes the bank's customers do not understand why people buy a credit or debit gold card, if you can use a regular one and not pay a commission and service fee. But gold cards provide more opportunities to save money than it seems at first. It is convenient for people who shop on the Internet and often operate with money that is temporarily absent, it is convenient to use a gold credit card with benefits.

Many bonuses and promotions allow you to return part of the money from purchases, which significantly reduces consumer costs.

Yes, for those who only receive a salary on the card and no longer use it, it is not profitable to purchase such a tariff, but in other cases it is very appropriate.

31.08.2017 0

Sberbank of Russia is one of the largest banks in the country. Today, its clients use a large number of banking services of different directions. However, the most demanded is the registration of a plastic card to pay for goods and services of different values. The Golden Card of Sberbank (Gold Visa, MasterCard) deserves special attention - what is it, what are its positive and negative aspects? We propose to understand these nuances in more detail.

Visa Gold from Sberbank - what is this card?

A large number of users are wondering what a Sberbank gold card is, what are its characteristics and how it is beneficial for the owner.

Well, to begin with, it belongs to the category of "elite". Sberbank does not offer the Gold Card to every user, but only to respectable borrowers and active depositors.

The gold card is beneficial for several reasons:

In the Sberbank Contact Center, it is serviced around the clock.
Due to the electronic chip, the money on the card is well protected.
If lost, it can be restored from any country in the world.
The gold card can participate in the "Thank you" bonus program from Sberbank.
It is possible to connect the "Auto payment" function.
If you need and want to control the flow of finances, you can use the services of the Sberbank Online and Mobile Bank systems.
Holders of the Sberbank gold card can participate in the privilege and discount programs run by MasterCard and Visa.
There are several ways to fund your account.
With such a card, you can pay for services and purchases not only within Russia, but also far abroad.

A logical conclusion suggests itself that this card is suitable for those who travel a lot to European countries. Sberbank's gold card anywhere in the world will allow you to get a discount on hotel accommodation, food in restaurants, air tickets and other services.

Sberbank gold credit card

A bank credit card allows you to use not only your personal funds, but also borrowed funds. Along with that, all the privileges that one or another type of product used remain in force.

Credit Gold card of Sberbank (Gold Visa, MasterCard) - what is it?

Today, Sberbank issues four types of gold cards. This:

MasterCard Gold card.
Visa Gold card.
Gold visa "Give life".
Gold Aeroflot visa.

And they are used on the following conditions:

the maximum loan amount can be 600,000 rubles;
the interest rate does not exceed 33.9%;
the duration of the action is three years;
the duration of the grace period is 50 days;
connection to the services of the Mobile Bank is free of charge;
the annual service cost is 3,500 rubles.

The main difference between them is that the MasterCard and Visa systems differ in bonus programs and privileges. For example:

Sberbank Visa Gold credit card Aeroflot allows you to make profitable purchases and earn miles, which can be exchanged for airline tickets of this company;
Visa Gold card "Give Life" involves the transfer of funds to a charitable foundation. Typically, the contribution is 0.3% of the funds spent by the user.

How to get a gold credit card?

In order to apply for a Sberbank credit card, you must meet the requirements:

age should not go beyond 21 - 65 years;
have a residence permit in that region of applying for a loan;
work experience cannot be less than a year, and at the last place of work - at least six months.

The questionnaire is filled out both at the bank branch and online. However, in any case, you will need to come to Sberbank and provide:

passport of a citizen of the Russian Federation;
a certificate issued in the form 2-NDFL;
a copy of the work book.

The submitted application will be considered within two working days. And the maximum possible credit limit and the interest rate on it, the lender determines on an individual basis.

Only:

holders of salary cards;
bona fide borrowers,
active contributors.

Along with that, the past credit history, in conjunction with the monthly real income, is necessarily studied.

What does the Visa Gold card provide?

Having a Sberbank gold credit card, all standard options open up in the form of the ability to pay for goods in all stores in Russia, abroad and in the Internet space. In the case of overseas purchases, the conversion into euros and dollars occurs automatically.

With a gold credit card of Sberbank, money can be withdrawn from ATMs of any bank. The native Sberbank commission is 3%; ATMs of other banks will charge 4% for cashing.

The limit for cash withdrawals from a Sberbank gold credit card is 300,000 rubles per day.

The grace period for using a credit card is 50 days. During this time, you can return the entire amount taken without paying interest. However, this does not apply to cash withdrawals. It is characteristic that it is possible to withdraw credit funds from a gold card even if it is lost (in Russia or abroad).

Pros and cons of a gold card

The main advantages of a gold card from Sberbank are as follows:

Contactless payment technology is supported.
A high level of protection is provided.
The limit is high.
Free Mobile Banking is available.
There are bonus programs from the worldwide MasterCard and Visa systems.
The grace period is 50 days.
Issued to clients of different age groups.

Negative features of the Sberbank Gold Card:

a high limit on the loan rate has been set;
annual service is more expensive than other cards;
interest-free cash withdrawal on transactions - absent.

Sberbank gold debit card

The next question for consideration: a debit gold card of Sberbank - what is it, what advantages does it have? The card provides good protection for personal savings and a number of other useful advantages, both from the bank itself and from the MasterCard and Visa systems. At the same time, it remains available in design for anyone.

How to get a gold Visa and MasterCard?

The list of prerequisites consists of two points:

You must have a permanent or temporary registration of the Russian Federation.
Be at least 18 years old.

At the same time, the possibility of issuing a product to foreign citizens is not excluded. The bank reserves the right to make this decision.

To apply for a debit card, you can personally appear at a bank branch or submit an application through the online service. It is not required to present income certificates and other proof of solvency. Details are on the bank's page.

At the moment, you can leave on Visa and MasterCard Gold cards.

Holders of a Sberbank gold debit card have the right to additionally issue other cards. Moreover, any citizen of the Russian Federation who is 7 years old can become such a user. This service is paid. The activation amount is 2,500 rubles, and the annual maintenance costs 3,000 rubles. At the end of the validity period, the card can be restarted at no additional charge.

Advantages and disadvantages

There is a reason to start by listing the disadvantages. They come with a high annual maintenance cost. In all other respects, only advantages can be traced. This:

the opportunity to receive discounts and privileges from banking partners;
the opportunity to use the hotline support around the clock;
good savings protection;
the ability to use the card not only in Russia, but also abroad;
the ability to issue an additional card;
in case of theft or loss of the card, funds are issued on an emergency basis.

Who can access gold cards for free

The Sberbank gold card is considered very attractive for any client, however, the cost of service stops in registration. As a regular customer of the bank, there is every chance to issue a Gold card for free and keep it free of charge as well.

The loan, issued by Sberbank on a special offer, assumes a reduced rate - from 17.9 to 23 per cent per annum.

Such an offer can only be received by those clients of Sberbank who:

receive salaries through Sberbank;
took loans here earlier and repaid them successfully;
previously opened personal deposits.

In order to get the gold card for free, you must:

receive a personal offer from the lender;
personally visit a branch of Sberbank;
provide the proper package of documents.

For non-wage clients, the list of securities includes a certificate of income and confirmation from a permanent place of work.

Co-branded gold cards

A series of Sberbank gold cards has included co-branded plastic in its line. These are two types of cards:

"Gift a life";
Aeroflot.

They are issued not only on generally accepted grounds, but also at the special offer of Sberbank. The Gift of Life card allows its owner to provide assistance to the charitable foundation of the same name. For this purpose, from each amount spent, the bank transfers 0.3% to the fund's account. The minimum loan rate is 25.9 per annum, and the annual service price ranges from 0 to 3,500 rubles.
The card was provided by the Visa system, therefore, it allows its holders to evaluate all the advantages of the services of Sberbank Visa Gold.

The Aeroflot product is suitable for those who often use the services of this airline. There is an opportunity to accumulate miles and exchange them for tickets. The cost of maintenance is 3,500 rubles per year. And the lending rate is 25.9%.

How to order online gold card Visa and MasterCard in Sberbank - details of obtaining

On the page of the official website of Sberbank, complete information is provided on the details and conditions for obtaining a card, as well as a form for an online application for a gold card. In addition, you can find additional information about the gold card of Sberbank (Gold Visa, MasterCard) - what it is, how to issue it - you can in this video.

Privileged credit cards Visa Gold and MasterCard Gold from Sberbank open up a lot of additional opportunities for users in comparison with conventional credit cards. So, the Sberbank gold credit card is the topic of today's review.

How to get a Sberbank gold credit card?

Only those citizens who are already clients of the bank and have proven themselves on the positive side can apply for a gold card at Sberbank.

Today the Gold credit card is available to the following users:

Salary clients of a financial company - persons who receive wages or pension payments for plastic bank.
Consumers who have previously issued a bank debit product and have been using it for some time. It is important that card transactions are regular.
Customers who have an open deposit account with Sberbank.
Borrowers who have taken out a consumer loan and have no debts or delinquencies on it.

A new client can apply for gold plastic only on condition of simultaneous registration of a deposit account with a bank.

It is impossible for Sberbank to get a gold credit card without certificates and only with a passport!

Since the card is provided in two types, Visa and MasterCard, many users ask which one is better?

There are no particular differences between these species. They are just two different payment systems that operate all over the world. The only significant difference is that with the Visa card, when withdrawing cash abroad, an additional commission is charged from the VISA system itself (in addition to other possible commissions).

Therefore, if you often visit foreign countries, then it will be more profitable to issue a MasterCard Gold loan product.

Sberbank credit card documents GOLD

The gold product is available to Russian citizens who have reached the age of 21, but who have not yet reached the age of 65. By the way, we suggest learning more about what cards pensioners can get at Sberbank.

Of the documents required for issuing a gold credit card, only a passport ID must be presented to the bank. At the same time, it must contain a stamp on registration at the place of residence.

Certificates of income and employment are not needed due to the fact that the gold card is issued only to current clients of Sberbank. That is, at the time of consideration of the application, the bank already has all the necessary information about the client.

Card conditions

Credit products Visa Gold and MasterCard Gold this year are provided to citizens on the following conditions:

card currency - Russian rubles;
credit card validity period - 36 months;
grace period for using money - up to 50 days;
limit - up to 600 thousand rubles;
service cost - 3,000 rubles;
interest rate - from 23.9% to 27.9% per year;
issue of additional credit cards - not provided.

The gold loan product from Sberbank is also characterized by the presence of various bonus programs, the main of which is the “Thank you” program. For this promotion, the holder of the credit card, when making purchases from the bank's partners, is returned up to 20% with bonuses. There is also a special promotion for Moscow residents, according to which the owners of Mastercard Gold products receive a 20% discount on medical services in the clinics of the capital.

Interest for withdrawing cash from a gold credit card of Sberbank

The Gold product allows its holders to withdraw money at any time of the day and at any Sberbank branch or ATM.

Cash out the card is available at the branch of a financial institution (for this you need to come to the bank during business hours) and through an ATM. The commission for withdrawing cash at the cash desk and at the Sberbank ATM is 3% of the withdrawn amount (but not less than 390 rubles). Moreover, a percentage is charged for each operation.

Using a Sberbank gold credit card

The Sberbank GOLD credit card is a universal product. Therefore, you can use it everywhere. The card allows you to pay in:

shops, supermarkets and other retail outlets;
airports, railway and bus stations, including international ones;
hotels, inns, campgrounds and so on;
beauty salons, fitness centers, gyms;
at filling stations and in maintenance services.

Also, a credit card can be used to make purchases in domestic and foreign online stores.

The main advantage of the gold card is the increased credit limit. And the ability to withdraw large amounts in one operation.

Any translations are impossible!

Pros and cons

Credit products Gold has both positive and negative sides. The advantages of a Sberbank gold credit card ** are as follows:

Versatility - a credit card allows you to spend money anywhere in the world.
Availability of special lucrative bonus programs.
High degree of product security thanks to a chip and a special protective strip with a hologram.
Round-the-clock support of a personal bank manager.
The ability to remotely book and pay for hotels and restaurants.

Sberbank gold credit card - cons:

High cost of annual maintenance.
Large annual interest for the use of borrowed funds.
The inability to release an additional plastic product GOLD.

In any case, having a Sberbank gold card in your wallet gives you confidence. This is an indicator of status and prosperity, because it is known that such products are issued only to holders of impressive deposits. Also, the opportunity to have such a product is available to those who earn good money and are ready to confirm their own income to the lender.

10 August, 2017 | 15:56 1 447

Sberbank gold credit card

A wide range of financial services rendered to the population by Sberbank of Russia, the largest Russian bank. Among the variety of credit cards issued by them, Sberbank gold credit card cons and pros which we will consider in detail today. Let's try to understand its differences from a classic credit card and the potential that it is endowed with.

Considering the question, what is a Sberbank gold credit card and how to use it, it should be noted that the card of the "Gold" class emphasizes the special position of the holder and his material security. This type of plastic is issued to customers who faithfully fulfill their obligations to the bank and actively use banking products. Borrowers are attracted by the beneficial properties of a plastic card. These include the following:

the card is serviced around the clock by the contact center of the Savings Bank;
money on the card account is reliably protected by a chip;
you can restore the card in any country in the world;
the product participates in the "Thank you from Sberbank" bonus program;
there is a possibility of connecting a regular payment on the card, which will be carried out automatically on a given date;
the movement of funds on the account can be monitored using a mobile application on a smartphone and in Internet banking;
the card is involved in bonus programs of MasterCard and Visa payment systems;
you can replenish the card in several ways;
you can pay with plastic using a non-cash method both in the country and abroad.

Gold Card Terms

Issued gold credit card of sberbank of russia well-known world payment systems MasterCard and Visa. The considered gold credit card from sberbank has the following terms of use:

the maximum credit limit is 600 thousand rubles;
the annual interest rate is not more than 27.9%;
card operation period - 36 months;
free connection of the Mobile Bank;
annual service of the card costs 3 thousand rubles.

At the moment, four types are issued - MasterCard Gold, Visa Gold, Visa Gold "Give life" and Visa Gold "Aeroflot". Products differ from each other in bonus terms and privileges from payment systems, which are regulated on the official web resources of MasterCard and Visa. For example, an Aeroflot credit card accumulates miles on a bonus account when making purchases. With their help, you can subsequently purchase an airline ticket for the company. In case of non-cash payment with the "Give Life" card, 0.3% of the amount is transferred to the fund for helping sick children. Such are conditions endowed with credit card Sberbank gold card so popular with borrowers.

Product design

When is issued credit card sberbank gold card, the applicant must meet the following criteria:

fall under the age category 21-65 years old;
be registered in the area where the bank is located;
have a total work experience of 1 year or more, of which six months in the last organization or enterprise.

An application for a card is submitted either at the Sberbank branch at the place of residence, or on the official website. After receiving a positive decision, the borrower, in any case, will have to visit a bank branch to submit the necessary documentation: a passport, a certificate of the 2-NDLF form, a photocopy of a work book. The bank makes a decision within 2 banking days. Determination of the credit limit and the annual interest rate for customers is carried out personally.

In order to get the maximum amount of credit funds and at the same time not overpay on the loan, you must either have a deposit in Sberbank or participate in the institution's salary project. The size of these factors is influenced by the amount of the client's monthly income and the history of previously taken loans.

Terms of Use

Having issued and activated the card the holder, according to terms of use, can use it to buy goods and services, both in ordinary stores and online. Plastic works in Russia and abroad. When withdrawing funds abroad, the currency is automatically converted at the rate of Sberbank. You can cash out money from a card at cash desks and self-service devices of both Sberbank itself and third-party banking institutions. In "native" ATMs, the commission for cashing out is 3% of the withdrawn amount, in devices of other banks - 4%. The maximum daily withdrawal amount can be 300 thousand rubles.

To the rest conditionsSberbank gold credit card provide an interest-free fifty-day period for the cardholder. If the plastic holder uses credit funds when making non-cash purchases, no interest will be charged on the funds used when the money is returned during this period. This condition is relevant only for card payments. The grace period does not apply to cashing out funds. In case of loss of a payment instrument in the country and abroad, an emergency withdrawal of money is provided without the presence of the card itself.

Pros and cons of a payment instrument

Like any other bank product, the gold credit card is endowed with positive and negative properties. Positive traits:

the ability to pay without contact;
high security of plastic;
solid credit limit;
using a mobile bank without payment;
participation in Visa and MasterCard promotions;
accessibility to wide layers of the population of different age categories.

Negative factors of the card:

high annual interest;
high annual cost of product maintenance;
large commission for cashing out funds;
payment of commission when withdrawing money during the grace period.

In addition, cardholders get the opportunity to use Internet banking, with the help of which they can control the movement of funds on the card account and perform various non-cash financial transactions.

Gold debit card

A convenient financial instrument that allows you to reliably protect your money is the gold debit card of the Savings Bank of Russia. The advantage of this financial instrument is its general availability and the ability to participate in various bank bonus programs, as well as promotions of MasterCard and Visa payment systems.

Design methods

The Sberbank debit card is distinguished by its simplicity of registration. It is much more difficult to get a credit card. To issue a gold payment card, you must be a Russian who has reached the age of majority and have a permanent residence permit. For foreigners, the bank can also issue a similar product, but it has the right to refuse them.

To get this financial instrument, you need to visit the office of the institution or order the product online on the official web resource of Sberbank. The holder will not have to confirm income and official work due to the fact that he will have exclusively personal funds on the card account. An exception is the MasterCard system card, which cannot be issued remotely.

When registering a debit card, the holder has the opportunity to issue additional cards to it. The age of the additional card holder starts from 7 years old. The cost of this service is 2.5 thousand rubles. Annual maintenance of plastic will cost 3 thousand rubles. When the card expires, a new one is issued free of charge.

Positive and negative points

This card has many positive qualities:

discounts and privileges from Sberbank partners;
round-the-clock support;
high security of funds on the account;
the ability to use the card anywhere in the world;
issuing additional cards (as opposed to credit cards);
the possibility of withdrawing funds without a card (in case of loss or theft).

Among the shortcomings, it should be noted the high price for the annual service, which the average user cannot afford. Therefore, for a consumer of average income, the design of such a product will be unprofitable.

Co-branded cards

Among the gold cards of Sberbank, there are two cards of the co-branded category - Aeroflot and Gift of Life. Combrandigovaya is the name given to products that the bank produces jointly with its partners. These cards have a number of features and advantages in comparison with other cards of the bank. They are issued on specials. proposal or on a general basis.

The "Give Life" card was issued by the bank together with the charitable foundation of the same name, to which the bank deducts 0.3% of the amount spent by the owner of this card. The minimum interest rate for the borrowed funds used is 25.9% per annum. The cost of the annual service ranges from 0-3.5 thousand rubles. The cards are issued by the Visa Gold payment system. About, how to use this gold credit card sberbank correct, can be read on the official website of the bank.

The Aeroflot card is suitable for those who often fly with the aircraft of this company. When paying with a card, the holder receives bonus miles, with their help, in the future, you can pay for a plane ticket. Annual maintenance of the card costs the owner 3.5 thousand rubles. Interest for using credit funds is 25.9% per year. The card is issued by the Visa payment system.

The considered Sberbank gold credit card has good