What is a gold card? Disadvantages for holders of Sberbank gold cards

Sberbank of Russia is one of the largest banks in our country; it offers its clients a wide range of banking services. Among the variety of plastic cards, the Sberbank gold card occupies a special place, the pros and cons of which are of interest to all users. Moreover, you should understand how this product actually differs from the classic version and what opportunities it gives its owner.

What is a Sberbank gold card

Many users wonder what the Sberbank gold card gives to its owners and what characteristics it has. To begin with, it should be noted that, first of all, it emphasizes the high status and financial wealth of the client; banks offer this banking product only to active and respectable depositors or borrowers. For Sberbank clients, a gold card will become an attractive and profitable product, and there are several reasons for this:

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

The gold card from Sberbank is an ideal option for those clients who often travel abroad; they have the opportunity to receive discounts on hotels, restaurants, air tickets and other services.

Sberbank gold credit card

Plastic cards are a convenient financial instrument that can be used for various purposes: receiving cash, paying for goods and services. They also differ in that the user can use borrowed funds or their own and enjoy all the privileges that this product provides. Gold cards from Sberbank come in two categories: Visa or MasterCard.

Terms of use:

• maximum loan amount up to 600 thousand rubles;
• interest rate up to 33.9%;
• validity period – 3 years;
• grace period – 50 days;
• Mobile Banking service – free of charge;
• The cost of annual maintenance is 3 thousand rubles.

There are only three types of gold cards from Sberbank:

• Visa Gold;
• MasterCard Gold;
• Visa Gold “Give Life”;
• Visa Gold Aeroflot.

The only difference between all products is that each payment system (Visa, MasterCard) has different bonus programs and privileged conditions; you can find out about them on the official websites. Credit Visa Gold from Sberbank Aeroflot gives clients the opportunity to make purchases and accumulate miles, which in the future can be exchanged for airline tickets of this company. Visa Gold “Gift of Life” allows you to contribute funds to a charitable foundation, that is, the bank transfers 0.3% of the funds spent by the client.

How to apply for a credit card

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

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

You can fill out the form at the nearest bank branch or official website. In any case, the borrower should come to the office and present his documents: passport, certificate in form 2-NDFL, photocopy of the work book. The processing time for the application is 2 business days.

The credit limit and interest rate are determined by the lender for each borrower individually.

Only reliable clients of Sberbank, for example, depositors, respectable borrowers or salary recipients, can receive the maximum allowable amount at a loyal interest rate. In addition, the credit history of the potential borrower and his monthly income play a leading role.

Terms of use

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

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

Methods for remote management of Sberbank accounts

Owners can use credit funds completely free of charge. The grace period is 50 days, during this period you can return the borrowed funds and not overpay interest for use. But you need to keep in mind that this does not apply to cash withdrawals, that is, when cashing out funds, interest is accrued immediately.

The client can withdraw cash from 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 Banking;
• bonus programs from international systems Visa or MasterCard;
• grace period 50 days;
• available to a wide range of clients of different ages.

Disadvantages of the Sberbank gold card:

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

Among other things, Sberbank clients have the opportunity to control their accounts remotely; to do this, just activate the Sberbank.Online service. With its help, you can pay any bills, activate Automatic Payment, control the dates and amount of your 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 advantages, in addition, users also have access to all bonuses and other privileges from the bank and the international Visa or MasterCard systems.

How to get

It is much easier to get a Sberbank debit card than a credit card. To do this, it is enough to be a citizen of the Russian Federation over 18 years of age and have permanent registration. Although Sberbank can issue a debit card to citizens of other countries, the organization reserves this decision.
To apply, just contact the nearest bank branch or fill out a form remotely on the official website; proof of income and permanent employment are not required here, because the owner will use exclusively his own funds.
Please note that you can only fill out an application online for a Visa Gold card; you can only get a MasterCard at a bank branch.

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

Advantages and disadvantages

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

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

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

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

How to get and use a gold card for free

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

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

A personal offer can be made to clients who receive wages through Sberbank, have opened deposits or have previously taken out loans. The offer can be received by letter, SMS message or call from an employee.

How to get a Sberbank gold card for free: to do this, you need to receive a personal offer from the lender, then come to the bank branch with a package of documents. You must provide proof of income and proof of permanent employment (salary clients do not need this).

Co-branded gold cards

Sberbank's line of gold cards includes co-branded ones - these are "Give Life" and "Aeroflot". They have their own characteristics and privileges; they can be issued on a general basis or under a special offer from Sberbank.

“Give Life” allows owners to help the charitable foundation of the same name; from the funds spent, the bank transfers 0.3% to it. The minimum loan rate is 25.9% per year, the cost of annual servicing is from 0 to 3500 thousand annually.

They are available only from the international Visa system, this gives the client the opportunity to evaluate all the advantages of Visa Gold Sberbank, more details can be found on the official website of the international payment system. Aeroflot is ideal for those who often use the services of a partner company. Sberbank clients can actively use the card, receive bonus miles and exchange them for air tickets. The cost of annual maintenance is 3,500 rubles, the interest rate on the loan is from 25.9%.

Card data is provided only from the Visa payment system.

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

So, free servicing of the Sberbank gold card is available only to regular customers of this organization; for all others, the fee is quite high. But given the fact that more than half of the population of our country chooses Sberbank, each of its regular customers, depositors or borrowers can receive a personal offer.

Sberbank offers a large selection of card products for its clients. The Sberbank Visa Gold card, which can be debit or credit, stands out from the privileged category.

Visa Gold can be not only a debit card, but also a credit card

• The Sberbank Visa Gold debit card provides special advantages and privileges to its holder:
• Currency: rubles, euros, dollars.
• Electronic chip protection.
• Possibility of obtaining additional plastic cards, including for a child over 7 years old.
• Action of the “Thank you” bonus program.
• Cash withdrawal and service under the same conditions in the country and abroad.
• Discounts and promotional offers everywhere, incl. Abroad.

Issuance within the framework of a salary project.

Requirements for the client to issue a Gold Card

1. To be able to use this product, you must be an adult, a citizen of Russia and have registration. If the last two points are not observed, the issuance of plastic is also possible. In this case, the bank makes a decision individually. The issuance procedure is as follows:
2. Visit the office or apply online.
3. Show the employee your passport.
4. After receiving consent (no more than 2 days), sign the agreement.

Features of gold cards of different payment systems

When submitting an application online, the client is invited to the office to sign the necessary papers. If you want to receive a product with an exquisite, unique and original design, you only need to submit an application online.

Cash withdrawal conditions and card benefits

Terms of use of the debit card product

Servicing the product costs 3 thousand rubles per year, it is issued for 3 years, after which you can close the account, get a similar product or renew the contract for an existing one. You can replace an existing card, including ahead of schedule, without applying a fee.

For large clients, it is sometimes a disadvantage that the card has a limit. For a Gold card it is equal to 3 million per month or 300 thousand rubles per day. If you exceed the daily limit, commissions will be deducted on transactions. It will be 0.5% in bank services and 1% when using devices of other institutions.

The amount of annual payment for using a gold card

The Sberbank Visa Gold card, the advantages and disadvantages of which for the client are obvious from the above, has many ways to replenish:

• Transfer money through an employee at the operating cash desk. You will need to provide your card or account number. In the first case, you need to confirm your authority with a passport, in the second, you need to know the details of the regional institution that issued the product.
• From another Sberbank plastic card. It is allowed to use ATMs or terminals of the issuing bank. When connecting the relevant services, the operation takes place via a mobile application via SMS or Sberbank Online.
• Deposit cash into your account through a terminal or ATM (cash-in).
• Transfer from a card of another financial institution. To do this, you will need to provide the details of the bank that issued the plastic, its number, account number and your last name. Receipt is carried out on this day or the next.
• Through the Visa Direct service. Transfers are allowed online (smartphone, Internet), as well as in cash through a terminal or ATM. With the latter, you can use both devices of the issuing bank and other institutions. When completing the procedure, you only need to indicate the card number. The operation takes place instantly. In exceptional situations, delays may occur, but not more than 3 days.

Commission for cashing out funds

Conditions and features of the Sberbank Visa Gold credit card

The benefits of the Gold card also apply to a similar product in the credit category.

The credit card is designed for a limit of up to 300 thousand rubles, and up to 600 thousand rubles. as part of a personal offer. For the use of bank funds, a repayment interest of 27.9% (mass offer) and 23.9% (for clients with a pre-approved offer) is provided. The penalty for late repayment in all cases is 36% per annum.

As part of the mass offer, the bank provides special conditions for clients who have issued a Gold Credit Card since 01.01. until December 31, 2018, – free service for the first year. For everyone else, the same tariff applies - 3,000 rubles. in a year.

It is possible not to pay interest on the debt if you repay it on time. 50 days are given for this. After thirty of them, the bank generates a report and sends it to the client. Knowing his debt, the client can pay it off within 20 days. Also, he may not wait for the report, but pay it any day. If it does not exceed the specified period, interest is not accrued.

Conditions for issuing a gold credit card

The Sberbank Visa Gold credit card, the conditions of which are described above, is subject to registration under the conditions that the client is over 21 years old and has a permanent place of work. Moreover, his work experience must be more than six months at the job where he is currently registered, and more than a year in the previous few years (5). The borrower must obtain the following documents:

• passport;
• certificate 2-NDFL, which contains data for six months;
• papers characterizing the borrower's income according to the form of the employer company (if there is no 2-NDFL);
• certificate of the amount of pension payment for six months (for a pensioner);
• papers explaining the client’s employment.

Scheme on how to use credit funds up to 50 days free of charge

The latter can be any document: a work book, a contract with an enterprise (certified by seals), an individual entrepreneur certificate certified by a notary and other certificates explaining the type of occupation (lawyer certificate, license, etc.).

The stages of issuing a card product are as follows:

1. Visit the branch.
2. Show the employee your passport.
3. Submit copies of all required papers.
4. Get permission (in 2 days) or refusal.
5. Sign the contract.
6. Get plastic.

Privileges of the Visa Gold credit card

Features of using plastic with privileges

The Sberbank Visa Gold credit card, the advantages and disadvantages of which are quite clear if you study the tariffs and repayment terms, provides even more additional opportunities:

• The borrower can enjoy the privileges and discounts that the Visa system provides for all its clients.
• Using remote resources to receive advice, solve problems, and conduct operations (Contact Center, remote service, Mobile Banking).
• If the product is lost abroad, the opportunity to receive cash in a short time.
• Payment for housing and communal services, mobile communications, etc. (Autopayment service).
• Connecting a secure system for working remotely (Verified by Visa).
• Payment via ATMs, self-service devices, Internet in the Russian Federation and abroad.
• Several options for replenishing the card, incl. transfer from others.
• The ability to link plastic to online payment systems (Yandex Money).

Figuring out how to use a gold credit card is quite simple. The client will need to present it when paying at retail outlets, enter details for online transactions, or use SecureCode to use secure payments.

Credit terms for card products

To control their transactions, limit, balance of funds and receive other information on the product, the borrower has the right to use any bank services:

• if you subscribe, a report will be sent to your online email address every month;
• if you connect Mobile Banking, messages are sent to the phone number that notify the client about the nature and amount of the transaction that occurred (more about);
• if you receive a password and identifier (login), you can generate a report in Sberbank Online at any time for the period of interest;
• You can contact a Contact Center specialist (more details in the article -), who will provide any information. You will need to provide the card number and possibly the secret code or its details.

How to use a gold credit card? (video)

Presentation of proposals for Gold credit cards at Sberbank.

Conclusion

Most of the benefits of owning a Gold Card can only be experienced abroad. For plastic card holders, huge discounts are provided in stores, the opportunity to book hotel rooms, and receive medical care under insurance from a payment system partner company.

Bank cards such as visa gold and mastercard gold, as a rule, are intended for individuals who have a high level of income and often visit foreign countries. Such clients have increased demands on the quality of service, and they are willing to pay for this level. Gold cards are not issued by the bank right away; first you need to become, at a minimum, a regular customer.

The international payment system VISA International has developed quite a lot of offers that are valid in various countries specifically for VISA Gold cardholders. You can learn more about these services on the Russian website www.visa.com.ru. Offers include: first-class shopping, unique travel, expensive restaurants, great vacations and much more. Each cardholder will definitely find what he needs.

The list of benefits and privileges for VISA users is being updated with new exclusive offers.

All the latest news and current information are published on the official website www.visapremium.ru in Russia.

Gold cardholders also have access to an expanded range of services. It lies in the fact that customers can choose offers that are convenient for themselves, both in our country and abroad, for example, these are:

Discounts for payments using a card;
- receiving gifts when shopping in boutiques, hotels, restaurants, when renting a vehicle;
- receiving invitations to closed fashion shows, sales, and various cultural events.

In order to take advantage of these offers, you need to pay for purchases with your MasterCard Gold card at partner companies as often as possible.

There is a MasterCard collection - Favorites. It contains interesting offers from the bank's partner companies (hotels, restaurants, beauty salons and others).

Other advantages of VISA Gold and MasterCard Gold cards

The advantages of MasterCard Gold and VISA Gold bank cards can also be called the following:

Payment for goods and services via the Internet;
- payment for goods and services around the world in trade service centers that accept such cards;
- guarantee when booking hotels, renting vehicles and ordering other services;
- SMS banking, Internet banking, SMS notification;
- receiving cash through ATMs and terminals;
- blocking the card if it is lost to ensure the safety of funds on the balance.

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

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

Sberbank of Russia issues gold cards in three types:

• credit
• debit
• "Give Life" card

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

Recently, when logging into their personal account in the remote banking system, many users saw a pop-up window containing a message like: “You have been pre-approved for a gold credit card with a limit of 70,000 rubles.”

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

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

So, in this article we will tell you:

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

Differences between a Gold card and a regular card

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

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

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

1. Service cost. Gold cards are quite expensive to maintain; for debit cards, the annual service cost is 3,000 rubles. An ordinary classic is 4 times cheaper - about 600-900 rubles. Instant issuance cards MIR and Momentum - 150 rubles per year.
2. Issue of salary cards. Many employees receive their salaries on a Sberbank card. As part of the salary contract, only classic cards can be issued; this is not possible for gold cards.
3. Appearance. Until now, for many people, the color gold remains something super attractive. Gold cards are issued in the appropriate shade, classic cards are gray, instant cards are blue or with a colored pattern. According to the editors, no one will be surprised by the appearance of the gold card.
4. Premium program. Visa Gold and MasterCard Gold cardholders, along with Platinum cardholders, have access to discounts and bonuses from payment system partners. This is not available for regular classic cards.
5. Service. For owners of premium plastic cards, including gold ones, the service is provided free of charge. For Classic cards - the cost is 60 rubles per month.

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

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

Visa and MasterCard Gold credit cards:

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

Requirements for the borrower:

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

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

Visa Gold credit cards “Give Life”:

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

Requirements for the borrower:

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

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

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

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

Advantages of the Sberbank Visa Gold card

Like other Sberbank plastic products, the Visa Gold card has its own advantages and disadvantages. Since the Sberbank Gold Card is not an entry-level plastic card, the cost of its service is much higher, amounting to 3 thousand rubles. in year. The main advantage of the card is considered to be an increased program, which can be obtained by non-cash payment in. Also, holders of this card are provided with discounts on the program, as well as discounts on various events under the program.

The main advantages and privileges of the Visa Gold debit card from Sberbank:

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

Since Visa Gold Sberbank is a premium card, no subscription fee is charged regardless of what you choose. The service will be useful to those clients who also carefully monitor money transfers made using the card.

Limitations of the Sberbank Visa Gold card

The Sberbank Visa Gold card, like other plastic cards, has some restrictions, for example, a limit on cash spending. For Visa Gold Sberbank the following are established: for a monthly period - 3 million rubles, and for a day - 300 thousand rubles. If the daily limit is exceeded at the time of transactions, the bank charges a commission. Its size is: in Sberbank devices and cash desks - 0.5% of the amount; 1% - at ATMs and terminals of other banks.

The card is valid for 3 years. At the end of this period, you can close the account, order or extend the existing contract. You can replace your current card before its expiration date, without paying a fee.

Visa Gold card replenishment options: