How to open a gold card. Visa Gold Sberbank: card benefits and conditions

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 business days, in the regions, production and delivery will take from 3 to 10 business days. For delivery to remote settlements may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, then the production time will be considered from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the "Cards" section.

What documents are required to obtain a card?

To pick up the card, please bring your passport or other document that was used to apply for the card. To get a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the Thank You from Sberbank program. The easiest way to register is to send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program at personal account Sberbank Online and at a Sberbank ATM - find the "Thank you from Sberbank" section and follow the prompts.

Bonuses are credited automatically when paying by card - their number depends on the privilege level.

It should be remembered that bonuses are accrued only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus points are credited to the account Thank you.

How can I use THANKS bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners, complete list partners is available. In addition, SPASIBO bonuses can be exchanged for a discount when buying air tickets and hotel accommodation (on the Thank you from Sberbank. Travel website). Also, bonuses can be exchanged for discounts when buying tickets for events - the service is available on the site "Thank you from Sberbank, Impressions".

How can I find out my card details?

For details, in mobile application Sberbank Online search desired card and click "Show Details".

Another way: in your Sberbank Online personal account, go to the "Cards" section and find the card you need, then "Card information" → "Details of transfer to the card account."

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to scammers. Making purchases without presenting a card and entering a PIN code is much safer, since no one sees the card details. In addition, contactless technology protects against double charges - after paying for the purchase, the terminal beeps and turns off automatically.

It has long been no secret to anyone that profitable terms Sberbank provides credit cards. The Gold Credit Card is one of the most advantageous products available to privileged customers.

general information

Sberbank Gold credit cards have a limit on the maximum credit limit. It is 600 thousand rubles. The interest rate on them is 23%. The cost of annual maintenance is three thousand rubles.

As for the commission, it is exactly the same as for other types of cards - 3%, but not less than 400 rubles. Minimum amount monthly payment is five percent of the total debt. golden card(Sberbank) has very good reviews, since its use is very beneficial for customers.

When applying for a credit card issue, it will be considered within a few days.

To whom can such a loan be issued?

Using the Sberbank Gold Card is, of course, a profitable business, but not everyone can get it. To apply for such a card, the borrower must be at least 21 years old and not older than 65 years. He must also have seniority at least one year and at least six months in last place.

Here you should definitely pay attention to the fact that if you do not receive wages in Sberbank, then you will need to confirm your income with a certificate, and employment - with a copy of the work book.

Sberbank Gold Card: Terms of Use for Preferential Clients

The so-called preferential category Sberbank's clients are considered to be participants salary projects, holders of simple debit cards, deposit holders, as well as people who already have any kind of credit.

These categories of customers can safely count on the fact that the proposal for the Gold Card will already be pre-approved. In this situation, you just need to apply with a passport to issue and receive a card at Sberbank.

The gold credit card has another nice addition - a reduced interest rate of 17.9% per annum, no need to pay annual maintenance and maximum credit line. But before receiving a card, you should still find out in more detail on what conditions Sberbank provides it. A gold credit card can solve a lot of problems with cash and the need to raise money for large purchases.

What are the benefits of Gold Cards?

Current discount program for premium card holders

A wide variety of bonuses for Gold class cardholders are provided mainly not by Sberbank itself, but by one or another payment system.

For example, a card with the Visa payment system enables its owner to take part in the World of Privilege program, which operates in 20,000 points around the globe.

When paying for various purchases using the Sberbank Gold Card from program partners, the card owner will not only receive good discounts, but also a variety of compliments, bonuses and Special offers.

Bonus program "Thank you from Sberbank"

These bonuses are accrued to owners directly by Sberbank (one such bonus is equal to one ruble of discount). In the first three months after the client registers in the program, he will be credited to the bonus account with 1.5% from each purchase. After given term expires, the number of bonuses will drop to 0.5%.

Emergency cash withdrawal if the card is lost abroad

If a situation arises when a client is abroad and cannot for some reason receive funds from his card (theft, loss or damage), funds in the amount of up to five thousand dollars can be issued to the owner of the credit card in cash. In this case, no commissions will be charged.

It is these privileges that the Golden Card (Sberbank) can provide. Customer reviews show that using such programs is really very convenient and even profitable.

What other options can be "gold" credit cards?

In addition to the fact that Sberbank offers Gold credit cards for use, it also has three types of co-branded cards in stock: for flights, for conversations and for charity.

Card for flights, otherwise called Visa Aeroflot Gold. It enables its holder to receive 1.5 miles for every thirty rubles spent from the card. After making the very first transaction on the card, it is still charged welcome bonus a thousand miles. These bonuses can be easily exchanged for a discount on airline tickets from Aeroflot or for an upgrade. The Sberbank gold card also has disadvantages in this case. Upon receipt of a card with a co-brand, the client is deprived of the opportunity to participate in the Thank You from Sberbank bonus program.
The second type of card, called "For conversations", is nothing more than an MTS card. Here is the same system as the previous type of cards. For every thirty rubles, one bonus point is awarded, and 600 points are given for the first operation. These nice gifts can be spent on free messages, minutes of conversation, the Internet and more.
As for charity, there is a separate type of card for it, called "Give Life" Gold. Here, from each purchase made, 0.3% is deducted in charitable foundation. Also, half of the cost of annual maintenance is deducted to his own account.

It is very important to remember that any card that is co-branded costs a little more than a regular one. The cost of annual maintenance is 500 rubles more and amounts to three thousand rubles. This is another unpleasant drawback that the Golden Card has. Sberbank receives very different reviews on this. Someone does not interfere with the increased annual service, but someone does not like it.

Differences between "gold" cards and "classic" cards

The first is the interest rate. On the "gold" card, it is one point lower than on the classic one. Annual maintenance is very different. For the first type of card, it is 3-3.5 thousand rubles, and for the second - only 750 rubles.

A "gold" credit card can only be issued to borrowers with high confirmed monthly incomes, or to regular customers of the bank. The classic card does not have most of the privileges that are provided to holders of the Gold class cards.

Sberbank's gold credit card has different conditions from the classic one. But it also makes sense. Since such a card has a higher class, and the limits for it are much higher.

What can other banks offer?

VTB 24

VTB 24 Bank offers a choice of eight types of "golden" credit cards, ranging from the standard version to a co-branded product. With a credit card from this bank, you can travel profitably with Russian Railways, Transaero and UTair.

As for the registration conditions, they practically do not differ from those established by Sberbank. Also, the interest rate is almost the same. But there is still a difference.

For example, annual maintenance VTB cards 24 is two thousand rubles for the first year of service, and for each subsequent year - four thousand. Unlike the fact that the Sberbank Gold Card costs only three thousand. The downsides are obvious.

Russian Standard Bank"

Russian Standard has a slightly smaller line of "gold" credit cards and consists of only five types of cards. They allow you to purchase goods from the Raspberry catalog with big discounts, receive bonuses for WebMoney wallet and use various special offers from UNICS basketball club.

Here it should be said that the interest rate on the cards of this bank is much higher and amounts to a maximum of 29 percent. But despite this, they credit limit higher and ranges from 750 thousand to a million rubles.

As for the conditions of registration, it is not required to confirm income here, since the card is issued using only two documents.

Alfa Bank

Alfa-Bank offers its clients six different options golden cards.

In addition to the fact that you can get great discounts on cards, there are completely unique programs for customers. For example, a credit card called "100 days without interest Gold" allows its holder to use the bank's funds within the established limit for one hundred days without interest. With all this, such a long period extends not only to non-cash transactions but also for cash withdrawals.

The maximum interest rate on a "gold" credit card from Alfa-Bank is 33%, and the minimum is 18%.

The grace period is usually 60 days, but maximum limit but three hundred thousand rubles.

It is worth saying that the design of the "golden" credit card carried out with the provision of only two documents. However, proof of income is not required. This can be done if you want the interest rate to be as low as possible.

Conclusion

In general, any client who can confirm the level of their income and employment can apply for a Golden credit card at Sberbank. But the most favorable conditions will be only for selected clients: participants in salary projects, depositors and those who have a good credit history.

It should be noted that of all the banks represented, only Sberbank asks to confirm their income. Also, despite the fact that the conditions for providing cards are a bit harsh, using them is very simple and profitable. Here is such a simple Golden Card. Sberbank receives more positive than negative reviews on this product, so it still makes sense to use such a card, even despite the high cost of annual maintenance.

In the article:

Visa Gold is a Sberbank credit card that has a number of advantages. First of all, its owners automatically become members of the international payment Visa systems. This status makes it possible to use the incentive and support programs from Visa, which is especially important while staying abroad.

Conditions for issuing a credit card

A gold credit card from Sberbank involves receiving bonuses with the active use of the card from partner companies, participants in the bonus system. There are quite a lot of them, they are diversified, which will allow the owners to receive certain preferences when paying for purchases and services. The use of this banking product is a confirmation of a certain status of the owner and the opportunity to use a number of additional services.

Visa Gold credit card from Sberbank

There are certain rules for lending in banks. This also applies to such a banking product as the Visa Gold credit card from Sberbank. The conditions for obtaining it are limited by the following factors:

Age potential borrower: from 21 to 65 years;
Registration on the territory of the Russian Federation: temporary enough in the territory where Sberbank has a presence, permanent registration is not a prerequisite;
Confirmation of income: required (with a 2-NDFL certificate or a certificate from pension fund, for individual entrepreneurs - confirmation of income and certificate of registration of entrepreneurial activity);
Experience: mandatory (at least 1 year in general, and continuous during the last six months).

These documents are accompanied by an application for a credit card and a passport.

Grace period of the Visa Gold card

Such an advantage for borrowers as Grace period(or grace period) is actively used in the banking system.

Features of the grace period

The grace period for this credit card has its own characteristics, which should be paid attention to by its owners. Golden Visa grace period:

This is an opportunity not to pay interest when using loan funds within 50 days;
It applies exclusively to non-cash transactions when paying for goods and services;
It does not apply to any method of cashing out finances and transfers by any transfers.

These conditions mean that customers do not pay bank interest during the grace period only when using a non-cash payment system.

If the owner Visa Gold cash is required, you will either have to pay the interest accrued on the withdrawn amount, or use another bank card.

Proper use of the grace period

At this point, special attention is focused on borrowers so that in the end they do not experience problems with paying the loan. When using a credit card for cashless payments, the owners do not pay for 50 days (duration of the grace period) bank interest for the amount used. The prerequisite is monthly repayment spent funds in the amount of at least 5% of the amount.

If during the grace period the card limit was restored, then the owner actually used the bank's money without paying for their use. This is the most convenient option on how to use the Visa Gold Sberbank credit card with the maximum benefit.

Cash withdrawal

Customers who have issued a credit card should also take into account one more feature of the work of Sberbank. For Visa Gold, cash withdrawals always come with interest payments.

Transfer terms

If, during the grace period, a transfer was made from a credit card or a certain amount was cashed out, then bank interest will be charged on it. In this case, a payment in the amount of accrued interest is added to the mandatory monthly payment of 5% of the amount used. If the owner has not taken this moment into account, then there will be a delay, on which, in accordance with the agreement, interest will be charged in the amount of 36% per annum. These are the features of the grace period at Sberbank for visa gold credit cards, they should be taken into account when choosing the type of card being issued.

Percentage of payment when withdrawing cash

This required condition withdrawal operations Money from a golden credit card. That is, you will pay interest on:

Cash withdrawal at Sberbank's own ATMs (3%, but not less than 390 rubles);
Withdrawing money from ATMs of third-party banks (4%, but not less than 390 rubles);
Any operation to withdraw cash from a credit card (bank interest on the amount, even during the grace period).

Thus, the terms of the grace period for the Visa gold credit card do not imply interest-free cashing out of funds (in some other banks this option is provided).

Credit limit

The credit limit of Visa Gold Sberbank credit cards is quite large, its maximum is 600 thousand rubles. For each borrower, the amount of available funds is determined individually. An additional benefit for Visa Gold card holders is the absence of an overdraft cap. The daily limit for withdrawing money is 100 thousand rubles. at ATMs and 300 thousand rubles. in other ways.

Service Visa Gold

Servicing a Sberbank credit card Visa Gold consists of:

In an annual payment of 3,000 rubles. (exception - special offers for existing bank customers);
At an interest rate of up to 33.9% per annum (accrued on the amount used by the client on a monthly basis);
In the provision of a number of free services (SMS alerts, Internet banking, auto payments, telephone alerts);
In the free reissue of the card (both early and mandatory when renewing the contract after 3 years);
In the accrual of bonuses under the Thank You from Sberbank program for use in servicing partner companies, and in the provision of benefits from international system Visa.

Conclusion

Visa Gold, Sberbank credit card, this is a status banking product, designed for consumers conducting active financial transactions on cashless system calculations. The indisputable advantage of this card is the support of the international Visa system during foreign tours. An extensive list of partner companies will allow owners to receive various bonuses and discounts when using funds provided by the bank.

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

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

Types of card products and their differences

The main advantages of the Sberbank gold card are the same as for premium cards of other financial and credit organizations. However, the plastic level "Gold" is also different. Sberbank gold cards are divided into the following categories:

Credit.
Debit.
Co-branded.

The gold credit card of Sberbank of Russia does not differ in its purpose from other credit card products of Sberbank. This is plastic tied to a bank account that contains a certain amount of money. Buying a credit card, the client, as it were, takes an indefinite loan. That is, money from plastic can be used at your discretion at any time and indefinitely, but later you need to return the spent amount to the account of this plastic, including interest.

Terms of payment and interest are stipulated in the contract and vary from one credit card to another. Otherwise, the penalty will begin to accrue, and in case of further non-payment, the card is blocked, and the client is credited to. The main differences between credit plastic and debit plastic are as follows:

credit card limit is strictly limited, and the limit debit card- no (i.e., an arbitrarily large amount of money can be on a debit product);
finances on credit plastic are potentially borrowed, belonging to the organization that issued the card, and on debit plastic - personal, i.e., the card holder himself.

Owners of a Sberbank credit card of the Gold class use it within the framework of the specified conditions and rules. It's just that there are a few more opportunities here than with credit cards of a lower class. And such cards are also served by two main world payment formats - VISA and MasterCard. Only the subclasses are different.

Features of the design of elite gold plastic

Yes, golden VISA card may be different from each other categories, such as Gold and Aeroflot. But how to get a Sberbank gold credit card? Just like getting a Sberbank gold card of any other profile. Anyone can write an application for the design of this plastic. In this case, the application will have to attach a certain package of documents:

passport and its full copy;
income statement for the last six months tax service in form 2-NDFL, for entrepreneurs - form 3-NDFL;
work book, which indicates all places of work with certification by the signatures of employers. It is important that the client has already worked at the last place of work for at least six months (a confirmation signature of the employer is also required);
for entrepreneurs, an extract from the USRIP or USRLE will be required, as well as financial statements about the income of the enterprise for the last six months.

The application will be reviewed by Sberbank employees within three working days. It must be understood that plastic bank goods of this kind are not given to anyone anyhow. This is not a nameless free debit card of the format VISA Electron. In the Sberbank gold card, the conditions for obtaining this elite product are as follows:

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

Credit card Sberbank class "Golden"

It is not surprising, given that the purchase of "plastic gold" will cost about 10 thousand rubles, and subsequent maintenance - 3 thousand rubles annually. What benefits can the happy owners of a Sberbank gold credit card use? The following advantages can be mentioned:

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

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

Among the shortcomings can be called a rather unfavorable circulation of money on the card in cash. If you withdraw from a Sberbank ATM, the commission will be 3%, which is very noticeable. So, when renting 10 thousand rubles, the commission will “eat” 300 rubles. And in the third-party terminal financial organization the commission will be 4%. This can be explained by the bank's policy of preserving cash flows in electronic form and prevent their conversion into paper banknotes.

Sber debit card "Golden" class

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

the ability to withdraw cash at "native" ATMs with zero commission;
unlimited upper limit of the money limit, which allows you to use the debit card as a piggy bank - there is no replenishment limit or upper limit;
cashless payment again with zero commission for goods and services both offline and online.

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

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

What is the essence of co-branded plastic products?

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

A striking example of such a plastic product is VISA Aeroflot. This plastic maintains contacts with leading tour operators providing an interesting experience for customers. bonus program, which is often called "rubles per miles". That is, for example, when flying, it is calculated what distance the client will cover by plane in one tour. After that, the tour operator charges the traveler a certain amount of bonuses.

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

Advantages of the Visa Gold card Sberbank

Like other plastic products of Sberbank, the Visa Gold card has its own advantages and disadvantages. Since the "Golden Card of Sberbank" does not apply to entry-level plastic cards, the cost of its maintenance is an order of magnitude higher, and amounts to 3 thousand rubles. in year. The main advantage of the card is considered to be increased according to the program, which can be obtained with non-cash payment V . Also for the holders of this card discounts are provided for the program, as well as discounts for various activities under the program.

Main advantages and privileges debit card Visa Gold from Sberbank:

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

Since Visa Gold Sberbank refers to premium cards, then for , regardless of the chosen , subscription fee not charged. The service will be useful to those customers who, as well as carefully monitor Money transfers held on the map.

Visa Gold card restrictions Sberbank

Visa Gold Sberbank card, like the rest plastic cards, has some restrictions, for example, a limit on the expenditure of funds. 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 devices and cash desks of Sberbank - 0.5% of the amount; 1% - at ATMs and terminals of other banks.

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

Options for replenishing a Visa Gold card: