Mastercard gold card. Salary card "Gold" from Sberbank: conditions, pluses and minuses. How to open a gold card of Sberbank

Responding to the dynamism and challenges of the times, Sberbank offers its customers convenient banking products that allow them to feel confident in their own financial capabilities anywhere in the world. Among them is banking using plastic media.

But there are a lot of proposals for today, and it is not always easy to figure out which one is suitable for its use. A popular option for such a solution is the MasterCard Gold card from Sberbank. Let's consider in detail what it is and what advantages this product provides to the holder.

What kind of product?

Mastercard family cards - carriers financial information designated by a brand using the international payment system MasterCard International. The use of this system guarantees round-the-clock access in settlement operations to the funds stored in the account.

Among the cards issued by Sberbank, Mastercard Gold takes its rightful place.

Possession of it provides the owner with the ability to:

• round-the-clock service and support through the contact center;
• in case of loss of plastic abroad - withdraw money using a passport;
• perform an operation according to the data indicated on the card;
• minimum of formalities when crossing the state border;
• extended program "Thank you from Sberbank" with bonuses that are converted into discounts when paying for goods and services.

Sberbank makes proposals for issuing Gold cards to clients who have proven their commitment, solvency, with whom the bank is interested in further cooperation.

But you can also submit an application yourself: the institution will definitely consider it. If the client is satisfied established requirements- the card will be issued.

How to get a "golden" Mastercard?

Let us denote that the card is a plastic carrier containing a microchip with data about the available Money ah in the client's account. Therefore, in order to issue a MasterCard Gold card, the bank opens an account to store funds and carry out transactions. The process of opening an account smoothly "flows" into the receipt of a card of the selected class.

The procedure begins with the filing of an application, you can do this at a Sberbank branch or online. After specifying personal data and sending the completed form, they are waiting for a call from the call center operator at a convenient time. If preliminary approval is obtained, the client is invited to the department. You must have a personal passport with you to open an account and conclude an agreement banking services.

Sberbank's conditions for obtaining a Mastercard Gold card are extremely simple:

• Russian citizenship and registration of permanent residence on the territory of the country;
• client's age for opening a current account: reaching 16 years;
• to obtain a credit card there is a limitation on issuance - up to 65 years.

The above requirements are supplemented depending on the purpose of the account - debit or credit.

How to use an account and a "gold" card?

For the convenience of using the account, the client is issued a personal plastic card Mastercard Gold. Its production will take from 7 to 21 days.

External means of protection are the same for all carriers: on the front side of the card, the name and surname of the owner is embossed in Latin letters, the spelling of which must be verified with the passport, if any. On the reverse side there must be a personal signature of the holder.

The Mastercard contains a protective strip and a chip as data storage. Access to information is protected by PIN-code, CVC2-code, SMS-informing.

Payment transactions with a card are performed in two ways: by simply touching the chip to the reader, or in a contactless way.

A distinctive feature of Sberbank's "gold" cards is mandatory co-branding together with partner structures.

Sberbank's MasterCard family: what's the difference?

Sberbank issues three groups of products focused on the Mastercard payment system: standard (classic), "gold", "platinum". They differ in the rules of registration, terms of service, bonuses and privileges provided to the owner.

May be:

• debit, which are opened in three currencies;
• credit.

Unlike "gold" cards, Standard type cards are provided to a wide range. The advantages include ease of use, inexpensive annual service, the opportunity to participate in co-branding programs, charity.

But there are also certain limitations:

• the cardholder is served at the branch on a general basis;
• relatively low daily limit for cash withdrawals from ATMs and through the bank's cash desk;
• interest rates on credit cards are 23.9% -27.9% per year, and for violation of the terms of return, you will have to pay a percentage at the rate of 36% per annum;
• the bonus program offers standard rewards.

Sberbank guarantees the holders of "platinum" cards special treatment both in the country and in the territory of 210 countries where the Mastercard payment system is used. Discounts on booking and hotel accommodation, reserving tables in premium restaurants, profitable shopping in expensive stores, exchanging accumulated bonuses for gifts. Emergency assistance is guaranteed in unforeseen situations: loss of a card, the need to withdraw cash over the limit.

In the branches of the bank, privileged customers are served out of turn. Daily exercise limit banking operations much higher, and monthly on debit accounts reaches 5 million rubles.

Affiliate programs allow you to get high bonuses for paying for goods and services. Discounts apply to the purchase of air tickets, tickets for entertainment and entertainment events, cafes and restaurants.

The annual maintenance fee for mainstream media is quite high:

• for credit cards: 15,000 rubles. / $ 500/500 euro;
• for debit: 4900 rubles. / $ 100/100 euro.

Credit cards are opened in national currency... Interest rates are more favorable: 21.9% for using a loan with timely repayment and 36% for a penalty for a breach of obligations.

Compare: MasterCard, Visa, MIR

We will show the opportunities provided by the "gold" cards of Sberbank in the form of tables:

Debit Gold

Bank operation	Visa Gold	MasterCard Gold	Visa Gold Aeroflot	WORLD Gold
Card currency	RUB / USD / EUR			Russian rubles only
Annual maintenance cost for the main	RUB 3000 / $ 100/100 euro		3500 RUB / $ 120/120 euro	RUB 3000
additional card	RUB 2500 / $ 75/75 euro		RUB 3000 / $ 100/100 euro	RUB 2500
Cash withdrawal limit:
daily allowance through the bank cash desk	RUB 300.0 thousand / currency equivalent			RUB 300,000
daily allowance at ATMs	RUB 300,000 / $ 12000/9000 euro
per month	RUB 3 million / $ 75000/75000 euro			RUB 3 million
Cash withdrawal fee:
within the limit through the SB network or partner banks	Not charged
for exceeding the daily limit in the SB system or partner banks	0,5%
	1,25%			The operation is not performed
Crediting cash to an account in the SB system, related structures of banks	Not charged
Enrollment through other banking structures	1.25%, minimum 30 rubles, maximum 1000 rubles.

Credit Gold

Bank operation	Visa Gold	MasterCard Gold	Visa Gold Aeroflot	WORLD Gold
Card currency	Russian rubles only			Out of circulation
Credit limit	300 - 600 thousand rubles, as agreed
Basic usage cost per year	RUB 3000		3500 rub.
Additional	Not issued
Cash limit, withdrawal:
daily allowance, at the bank's cash desk, incl. cumulatively	300 thousand rubles
at ATMs per day	100 thousand rubles
Crediting cash to the card	Per day - up to 10 million rubles.
Cash withdrawal fee:
within the limit through its own network	3%, minimum -390 rubles.
through other regional banks	4%, min. - 390 rubles.
Annual interest on a loan when obligations are fulfilled	For current recipients - 23.9%; for new - 27.9%
Penalty in case of violation of obligations	36.0% per annum

A superficial comparison of the terms of service for the "gold" Visa and Mastercard cards shows that there are no special differences between them:

• the same degree of protection;
• cards are issued for 3 years, media re-issue is free;
• support three currencies;
• equal service commission.

But experts note that some differences appear when making payments, calculating bonuses from partners, converting. The recommendations are as follows: if plastic is issued for payments within the country - for the client it does not matter which card to choose. For business purposes implemented in the EU countries, travel to Europe is preferable to MasterCard; for the USA - Visa.

As for the MIR debit card, issued for domestic circulation, its capabilities are akin to their “brothers” in terms of ruble payments. Most often used for enrollment salaries, pensions.

MasterCard Gold debit: only advantages

The MasterCard Gold debit card is designed to store own funds and conducting payment transactions within the Russian Federation and abroad.

A debit account is opened for clients who are citizens of our country, have a permanent or temporary residence permit.

Non-residents, at the discretion of the bank, can also open a debit account. The rules are standard: an application is submitted, after the preliminary approval of which, on the appointed day, a bank account is registered, a service contract is concluded.

A main card is issued to the account, and you can also open up to 5 additional media that family members can use. With the consent of the person representing the child's interests, the supplementary card may be transferred to the minor.

The client uses the card for payments in a convenient order, restrictions on cashless payments for debit cards no. The bank controls the daily and monthly cash withdrawal limit, and in case of excess, it "punishes" with an additional commission.

The client can deposit money to a debit account in the system of Sberbank and subsidiaries, as well as transfer by remote access channels, free of charge, without any amount restrictions.

Possession of the card makes it possible to register in the “Thank you from Sberbank” bonus program.

Participation in it involves the accrual of incentive points, at the rate of 1 ruble = 1 bonus, when paying:

• in cafes, restaurants - 5%;
• supermarkets - 1%;
• other purchases - 0.5%.

The accrued bonuses are used as a 99% discount on taxis, air and train tickets, entertainment shows and concerts. Together with Sberbank, 50 partners work under the program, among which are showrooms, online stores, travel agencies, training centers, and cellular companies.

Terms of use of credit MasterCard Gold

The Master Card Gold loan offer from Sberbank is an excellent way out so as not to go through the lengthy procedure for obtaining a consumer loan. The age limit is 18 to 65 years old.

The proposed instrument is convenient, since the client uses the funds at his own discretion, without agreeing with the lender of the purpose of spending.

Money issued within the credit limit, in fact, represents line of credit renewable during the term of the contract. If the client has carefully studied the tariffs, fulfills the obligations, he receives all the benefits of an interest-free loan.

General financial conditions credit card Mastercard Gold from Sberbank:

• for current customers, the credit limit is up to 600 thousand rubles. at 23.9% per annum;
• for new holders - up to 300 thousand rubles. under 27.9%.

In each case, the limit will be set individually.

The conditions for obtaining a Mastercard Gold credit card from Sberbank are divided into general and individual ones.

The first concerns age requirements, the presence of a permanent residence permit - the fulfillment of which is sufficient to obtain preliminary approval.

At the second stage of registration, an individual credit limit is established, for which confirmed information about the borrower's income is required. The client can confirm the sources of income with a certificate from the place of work, in the established form by the bank or by submitting Form 2-NDFL. Otherwise, the bank will classify the applicant as risky and approve minimum amount line of credit.

Sberbank prefers to work with trusted borrowers:

• holders of payroll accounts;
• having deposit in the security system;
• who have proven their financial viability for previously issued credit projects.

It is necessary to pay attention to the restrictions and interest payments when withdrawing cash from the card, due to which the bank receives additional income.

We consider the period of interest-free benefits

For loan offers a grace or grace period has been established when the borrower does not pay interest for using the loan upon timely return of funds. The duration is 50 days, which are divided into 30 reporting days and 20 days of the due date.

We will show you how to use the advantages of interest-free lending at a rate of 27.9% per annum.

For example, after activating the credit Mastercard Gold, the first purchase was made on February 10 for the amount of 14,000 rubles. The grace period will last until March 28 inclusive; March 29 is the final date when the funds must be returned to the card. Then the savings on interest will be: 14,000 * 27.9% / 365 days * 47 days = 502.96 rubles.

Let us explain why it took 47 days to calculate the interest payment. Having carefully studied the lending rules, we come to the conclusion that the 50th day is the last day when the loan is repaid without interest, i.e. in fact, the grace period is 49 days. Further, from grace period days of purchase and day of return are deducted. It is also necessary to monitor whether the return period falls on the weekend: the bank will charge the interest payment, but it will not be possible to return the loan in a timely manner.

We have detailed the procedure, but there is a special calculator on the bank's website. When entering specific data on the purchase and the interest rate, the service will show the day until which it is recommended to refund the funds to the gold card.

Pros and cons of credit cards and user reviews

Analysis of reviews on credit card MasterCard Gold showed the following:

• the loan offer helped out with unstable salary payments;
• the advantages of the grace period, which makes the loan interest-free, are noted. But they pay attention that using a credit card, you need to correctly calculate your own financial capabilities;
• the advantages of incentive bonuses and the possibility of additional useful purchases and entertainment are outlined.

But there are also negative reviews, most of which can be attributed to shortcomings in the organization of the work of bank employees. An unpleasant aftertaste for clients remains after incompetent consultations of employees, delays in issuing a credit card, imposing additional services, unjustified refusal to issue a card.

Conclusion

Users note that MasterCard Gold cards are a progressive replacement for cash, which can be used both at home and on foreign trips.

Maybe you will not have a reason to contact them, but when the need arises, this is a good financial "pillow" that saves in unforeseen situations.

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

The international payment system VISA International has developed a lot of offers that are valid in different countries specifically for holders VISA cards Gold. On the Russian website www.visa.com.ru you can learn more about these services. Among the proposals are: first-class shopping, unique travel, expensive restaurants, great relaxation and much more. Each cardholder will definitely find what he needs for himself.

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

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

Gold card holders also have an extended range of services available. It consists in the fact that customers can choose offers convenient for themselves, both in our country and abroad, for example, these are:

Discounts when paying with a card;
- receiving gifts when shopping in boutiques, hotels, restaurants, when renting a vehicle;
- receiving invitations to private fashion shows, sales, various cultural events.

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

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

Other advantages of VISA Gold and MasterCard Gold cards

Benefits bank cards MasterCard Gold and VISA Gold can also be called the following:

Payment for goods and services via the Internet;
- payment for goods and services around the world in trade services that accept such cards;
- guarantee when booking hotels, when renting Vehicle and ordering other services;
- SMS banking, Internet banking, SMS notification;
- receiving cash through ATMs and terminals;
- blocking of the card, in case of its loss, in order to ensure the safety of funds on the balance sheet.

Today, Visa and MasterCard gold cards are becoming more and more popular among active clients of Sberbank of Russia. Users are not even confused by the high cost of the service, which, by the way, is partially offset by the use of free mobile bank... The privileges of the Sberbank gold card have led to such an active interest of citizens in this banking product.

Sberbank gold card - a set of many privileges

Considering this type of plastic, you can immediately notice the presence of a number of their advantages over other cards. The most significant privileges include the following facts:

1. The ability to use not only rubles, but also euros, dollars as the currency of the card.
2. Free use of the card not only on the territory of Russia, but also abroad.
3. Access to all kinds of discounts, promotions and bonuses. This is due to the close cooperation of Sberbank with other organizations.
4. Free use of a mobile bank, the Sberbank Online system, as well as auto payment services from a card.
5. The ability to use the emergency disbursement of funds absolutely free of charge while outside the country. This is true for active travelers. This service provides for the possibility of withdrawing money in case of technical malfunctions with the card or its loss. In a word, a person, finding himself in a situation where he cannot withdraw money from plastic, can turn to a special center for the provision of a certain amount of funds. Gold status cards are serviced free of charge, and for each such operation with classic cards will have to pay 6 thousand rubles. These banking products have different withdrawal limits. For "gold owners" maximum amount is 300 thousand rubles, and for holders of ordinary cards it is reduced to 50 thousand rubles.

Considering all types of gold cards, it is necessary to dwell on the advantages of each of them separately.

Benefits of debit cards

Sberbank provides special privileges for holders of gold debit cards Sberbank. These benefits include:

• interest-free withdrawal of money through self-service devices;
• the ability to pay for your purchases via the Internet, as well as special devices, being not only in Russia, but also abroad;
• accrual of bonuses (depends on the specific type of card);
• increased level of protection;
• access to an international insurance system;
• additional services (management of funds via the phone or the Internet, overdraft and some others).

Benefits of Using Gold Credit Cards

By issuing a gold credit card, a person receives additional benefits due to status banking product... These privileges include:

• a higher limit on the card (can reach 600 thousand rubles, while the minimum mark is 200 thousand rubles);
• lower interest rate and lenient penalties for late payments on debt;
• the ability to issue a credit card not only in Russian currency, but also in dollars and euros;
• the ability to use the card for payment in most developed countries of the world;
• automatic life insurance of the cardholder, which provides for validity on the territory of any country;
• access to all kinds of discounts, bonuses and promotions (discounts on air tickets, for example).

When withdrawing cash, the commission will be 3-4%, depending on which organization's ATM is used.

What does the Sberbank Privilege mean?

In addition to the usual benefits, all gold cards receive certain privileges, which, as a rule, include access to special services, which can be used absolutely free of charge.

For example, this is the Visa concierge service. It allows you to receive information about the price of hotel rooms, train and flight tickets. It is easy to make a reservation with it, search for the desired parameters. This option is available not only in Russia, but also abroad.

Legal and medical support for gold card holders

Benefits include fast support for cardholders abroad. This applies to legal and medical issues. So, the owner of gold plastic can get a doctor's advice by phone, learn about the conditions of service in various institutions (hospitals, law offices) in the country where the client is staying.

If desired, a person can contact the service organization to find out what customs and tax regulations operate in a specific country.

If the cardholder requires hospitalization, then all questions regarding the search for an institution and registration required documents is undertaken by the service organization.

What does the Priority Pass service provide?

This service allows the cardholder to get access to the most comfortable conditions of stay at the airport while waiting for his flight. It applies not only to Russian airports, but also to those located in other countries of the world.

The client who is the holder of the gold card has access to the following services in the lounges:

• free wi-fi;
• various magazines and newspapers;
• beverages;
• television.

Life insurance for gold card holders: benefits of the program

This service operates not only on the territory of Russia, but also abroad. The life and health of the client is insured in his own interests. In addition, the insurer undertakes to cover expenses in case of loss of documents or baggage, delay or cancellation of the flight. In addition, the benefits of the insurance program for gold card holders include:

• covering the entire territory of the planet;
• an impressive amount of insurance payments - up to 100 thousand euros;
• insurance coverage for an unlimited number of trips;
• the possibility of using the issued insurance policy to obtain a visa.

The operation of this insurance program appeared in Sberbank not so long ago. She started working on January 1, 2016.

In the rating of credit cards that meet the maximum requirements of customers, the leading place is occupied by the Visa Gold Sberbank credit card. It provides a convenient and understandable service, easy to use, its coverage area is not limited to the territory of the Russian Federation. It is convenient to make both urgent daily trips and long trips abroad for several weeks with it.

Page content

The Visa Gold card of Sberbank makes a person solvent in almost any situation, emphasizes the status and position, opens the door to any shops, salons, cities and countries. In receiving and issuing a Visa Gold credit card from Sberbank, as well as a debit card, it is very simple, and the requirements for customers are minimal. The pros and cons of the Visa Gold Sberbank gold card are not so easy to see, even if you delve into the study of tariffs. Some of the nuances become clear already in the process of using the product.

Conditions for obtaining a gold card Visa Gold

Gold card Sberbank Visa There are two types of gold: debit and credit. The rules for obtaining are not very different, but there are still some differences. The basic requirements are the same, but the bank can meet halfway and approve individual conditions clearance. In order to get an individual consultation, you should contact the nearest branch of Sberbank. Basic conditions for obtaining a Sberbank Visagold debit card:

• citizen Russian Federation is an adult;
• it has a permanent registration.

These conditions must be met, otherwise such a product cannot be obtained. You need to submit documents for issuance at the place of registration, that is, in your regional Sberbank. This can be done in two ways:

• during a personal visit to a Sberbank branch;
• through the Internet.

A debit card of Sberbank Visa Gold is issued as soon as possible. If a Gold Visa is obtained at the department, you must have a passport with a registration mark. The bank employee will issue an application that must be completed on the spot. The maximum period for consideration of the application is two days, after which the client is invited to sign the contract.

If the application is submitted via the Internet, then the process of considering the application goes through until the client is called to the Sberbank branch. After the verification is completed, they are invited to sign additional papers and clarify the data. This check also takes no more than two days.

Sberbank clients have a unique chance to get a Visa Gold card in individual performance, with original design. To obtain such a card, you must submit an application via the Internet, such applications are not accepted in the branches.

Cons and pluses of the Sberbank gold card Visa Gold

The bank's policy implies that each client has the right to decide what his ideal card will be. Sberbank offers a huge range of opportunities to Visa Gold holders, its advantages are obvious:

• the possibility of using it as a salary card;
• convenient conversion and the ability to choose currencies: rubles, dollars or euros;
• the conditions for withdrawing cash in the Russian Federation and abroad are completely identical;
• modern protection with a chip;
• the ability to issue a daughter card for a child;
• the operation of bonus programs in Russia and abroad.

Important! To issue a subsidiary (additional) Sberbank card for a child, the latter must be 7 years old at the time of registration.

The disadvantages may seem insignificant to some, but for many clients they are significant:

• expensive service (3,000 rubles per year);
• short term of validity (after three years, the card must be reissued).

Terms of credit cards Visa Gold from Sberbank

In a difficult time economic crisis, credit cards have become a real salvation: there is no need to fear that there is nothing to pay with in a store or restaurant, especially when you have the most popular Sberbank product in your hands. Lending has reached the level when the Visa can be used not only for its intended purpose, but also participates in various promotions and bonus programs... Like the Visa Gold debit card, the credit card has certain conditions for obtaining:

• an individual is a citizen of the Russian Federation;
• a citizen of the Russian Federation has reached the age of 21;
• he has a permanent registration;
• the minimum work experience for the last five years is 12 months;
• work experience at the time of receiving the card must be at least six months.

The registration procedure also takes no more than two days. You can apply for a card either in person when visiting a Sberbank branch or via the Internet. Sberbank can sometimes check the data for more than two days, since this operation requires a thorough ascertaining of the client's creditworthiness.

Important! Unlike debit, on Credit Visa Gold cannot be issued for an additional, daughter card.

Advantages and Disadvantages of Visa Gold Credit Card

Sberbank, having studied the lending market for many years, has created a product that meets the maximum requirements of its customers. Visa Gold from Sberbank is an ideal assistant in everyday life and work. In order for the use of the card to be convenient and not disappointing, it is necessary to carefully study all the nuances that are clearly spelled out by the bank in the tariff plan. A huge number of negative reviews about this product makes you think about the advisability of purchasing a product. But if you read the reviews more attentively, it becomes clear that the problem is only insufficient familiarization with the information about the card. Advantages of Visa Gold Sberbank:

• high monthly limit (three million rubles per month);
• high daily limit (three hundred thousand rubles per day);
• interest-free period;
• no interest for non-cash payments;
• the action of the "Thank you" program;
• participation in the Aeroflot Miles program.

Visa Gold is protected by an electronic chip, which makes it impossible to hack, and if lost or stolen, an attacker will definitely not be able to use it.

In case of loss, you must urgently contact the contact center of Sberbank for blocking. After that, the bank employee will issue. The service is free of charge.

Disadvantages to look out for:

• interest for cash withdrawals;
• high interest rates for cash withdrawals from ATMs of other banks;
• expensive maintenance (3,000 rubles per year);
• problems with using the card abroad.

clients with deposits and deposits with Sberbank;

borrowers who previously had a loan from Sberbank and a good credit history.

Details of obtaining benefits can be obtained directly from a bank employee when contacting the nearest branch.

You can replenish the Gold Visa in any convenient way:

• through payment terminals;
• through ATMs of any bank;
• using the Mobile Bank service;
• using the Visa Direct service;
• using the Sberbank Online program;
• with the help of an employee at the bank's cash desk.

Holders credit Visa Gold provides a unique opportunity to link an account to electronic wallets, and then replenish the card remotely with their help.

Bonus programs and promotions

For each client, preferential conditions are individual: each has its own minus and plus, however, the dignity of this bank product should not be belittled.

The presence of Visa Gold opens up new opportunities for its holders. Various preferential offers abroad are available with it, therefore it will become irreplaceable. With it, you can accumulate miles and pay with them when buying a ticket (joint program of Aeroflot and Sky Team), use bonus points “Thank you” from Sberbank. At Visa registration Gold "Give Life" there is an opportunity to help a children's fund: 0.3% of the amount of each purchase is credited to a charity fund that helps children with serious illnesses.

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Before applying for a credit card Sberbank MasterCard Gold, you must carefully read the basic conditions for obtaining and using it. Thanks to this information, you can evaluate the complexity of obtaining a credit card and independently decide whether all its advantages are worth the effort.

Benefits of a gold credit card

Sberbank premium credit cards are an indicator of the high status of the bank's customers, and their holders receive additional benefits. In addition to special treatment, cardholders will receive:

• Increased level of protection against theft of funds from the card.
• The opportunity to participate in promotions and bonus programs held payment system MasterCard.
• 24-hour service in contact centers jar.
• Issuance of an emergency amount in cash when the card is lost outside of Russia.
• Access to advanced options in the remote banking system.
• The ability to pay for regular services in automatic mode.
• Full use of a credit card both within the country and abroad.
• The same conditions for withdrawing cash from ATMs in Russia, as well as subsidiaries of Sberbank outside the country. To date, the commission for withdrawing cash from a card is 3% of the amount in branded ATMs, and 4% in devices of other organizations.
• Possibility to replenish the card in cash and non-cash ways.
• Linking a credit card to popular Russian payment services (for example, Qiwi or Yandex.Money).

Lending terms

Credit card conditions are the most important information. Thanks to it, you can find out how profitable the use of a credit card will be. For MasterCard cards Gold Sberbank offers the following conditions:

Attention! Free annual service can be provided as part of a pre-approved offer or to customers who received a standard credit card before the end of the current year.

Interest-free period

The grace period for Sberbank credit cards deserves special attention. With the right approach to the use of the grace period, you can use credit funds on an interest-free basis. This service is valid only for cashless payments for purchases and services. Cash withdrawals are immediately subject to interest.

This time interval is divided into two parts - reporting period length of 30 days and a payment period (20 days). In total, the duration of the grace period is 50 days. In Sberbank, the reporting period begins from the day the report is generated, which is equal to the day the credit card is issued to the client.

Example! If the purchase is made on the day the report is drawn up (for example, September 15), then all 50 days are allotted to repay the loan without accruing interest. In other cases, when payment for the purchase occurs later (for example, September 30), the grace period will be shorter, but not less than 20 days. In our example - 35 days (15 reporting and 20 payment).

Full information about the maturity dates, the amount of the obligatory monthly payment and other data for payment can be obtained at any time at personal account in the Sberbank Online remote banking system. If this system was not previously connected, you need to perform.

Borrower requirements

All citizens of the Russian Federation who have permanent or temporary registration on the territory of the country can use the services offered. Since the bank has the most developed network of branches and has its representative offices in each region, registration is allowed in any locality... It is also necessary to fulfill other important conditions:

• The age limit is 21-65 years old.
• Lack of other valid credit cards of Sberbank.
• Availability of a valid RF passport with a registration mark.
• Work experience in the last place of employment is more than six months.
• The total work experience is more than one year.

Pre-approved offer

Sberbank prepared special conditions for their clients who actively use the services of the bank. Participants of salary and pension projects, holders of Sberbank debit cards, can take advantage of this offer. individuals who placed a deposit in the bank, as well as borrowers on consumer credit making monthly payments regularly and on time.

The list of special conditions includes:

• Increase in the credit limit (up to 600 thousand rubles).
• Free annual service.
• Decrease interest rate for using the loan.

About the possibility of issuing a card with preferential terms the client of the bank will be informed by a short message on the phone, through the system of remote banking services or by calling a bank employee to the phone number.

Payment of arrears

The key to successful use of a loan is its timely payment. Conscientious and disciplined borrowers become desirable clients in any bank, which means they can receive favorable conditions.

The amount of the obligatory monthly payment on a MasterCard Gold credit card from Sberbank is 5% of total amount debt and accrued interest.

You can find out the exact amount of the payment in the personal account of the RBS system, mobile application or by SMS to a short number. A step-by-step scheme for the last method is given below.

In order not to miss the date of payment, on the bank's website, you can connect the service of automatic debt repayment. The required amount will be debited from the specified card in automatic mode, which will be previously reported to the cardholder.

Having familiarized yourself with the conditions for the MasterCard Gold credit card of Sberbank, you can independently decide on its need. Increased limits and VIP service are offset by additional service costs and difficult obtaining. We recommend that you study the terms of this bank in order to choose the most suitable product. To obtain a credit card, you should contact the nearest bank branch with a minimum package of documents or use a convenient application on our website.

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