Golden cards Visa and Mastercard. Golden cards Visa Gold and Mastercard Gold. Gold Credit Card from Sberbank: Terms of Use

MasterCard Gold is prestigious premium-class gold maps opening up in front of their owners a lot of opportunities. This is excellent service and facilities to use, regardless of which point of the globe is the owner. "Mastercard Gold" provides holders many pleasant bonuses in the form of discounts, an enlarged removal limit money and upscale maintenance in restaurants and hotels around the world. Make a gold map is easy in any bank of the country. Consider the conditions for its preparation and features of use.

About MasterCard and Premium Card Maps

MasterCard is an international billing system that is popular around the world. There are several types of cards that have their own features and are suitable for certain purposes and users. They are distinguished by the cost of annual service, service package and a limit for removing money. Regardless of which type of card, the user has chosen, with MasterCard, it receives many advantages:

• you can pay for purchases in 210 countries of the world;
• the 24-hour support service is always ready to help;
• ease of use of cashless money in any currency;
• high level security storage in card account;
• long term service card - from 2 years with further reissue if necessary.

Each of the payment systems has a series of gold or platinum cards. In Europe and the United States, their owners are wealthy and successful people, since the design is carried out only with the confirmation of income of a sufficient level. Maintenance card is really poured into a penny, but at the same time services are provided, which can be used by the businessman. In Russia, to arrange the Debit Mastercard Gold can anyone who wishes a citizen. Purchase this sometimes not only for work or travel, but also to emphasize your status. Any premium card is a kind of image of a successful person.

What makes the "golden" credit cards? Product type Gold any payment system Guarantees high quality service and maximum useful services. The user is waiting for pleasant bonuses and discounts, participation in discount programs, increased cash lifting limit, free medical insurance in foreign countries. In each bank, the premium card holder will be a privileged client.

Types of plastic cards

Payment systems many, as well as the products they offer, but the main difference between them is the type bank card: Debit, credit or overdraft. Consider each one separately.

Allows the owner to dispose of funds stored in a bank account attached to it. Money can be transferred to him by third-party persons or the holder itself. For example, most organizations list the salary to the bank account. The worker makes a debit card with which the calculation is calculated. Service Commission is removed once a year. Its size depends on the type of map and the bank-issuer. Camera might issue adult citizen When presenting a passport. At the same time it is possible to bind to it an existing bank account or create a new one. To dispose of the funds owner can already on the day of filing an application for opening an account / issue of the card. And the receipt of the latter takes about a week or two.

Credit card allows you to use bank funds By loan under certain conditions. It can be stored only to debt money. Get a credit card somewhat more complicated than a debit card. This requires confirm the applicant's solvency by providing relevant references (about income, from the place of work, pension deductions). This is very convenient way Lending: You do not need to constantly run to the bank and wait for the design of the contract to one or another purchase. After issuing it once, you can use the means until the end of the limit.

There is also a combined plastic card with overdraft, which is also called credit in Russian banking practice. However, she is debit, but with the ability to use borrowed money. Initially, the user is stored on the map. If when making a purchase, the holder does not have enough funds, the missing amount will automatically be removed from the bank account. Overdraft has a limit.

Mastercard Gold Map can be released in any of the species mentioned. Moreover, the limit on the removal of cash and the use of loans for it is much higher than that of others banking products (Maestro, Standard).

MasterCard products

To appreciate Suggestions on the MasterCard Gold map, you should familiarize yourself with other payment system products. Among them are common:

• Maestro, Electronic - the simplest cards, cheap in service (150-300 rubles). At the same time, the surname and the name of the owner are written, but not squeezed on plastic. Such a card can be made any payments except Internet operations. Often they are intended for beginners.
• Standard is one of the most common MasterCard cards. This is the optimal combination of services provided and service costs. Released both debit and credit. Internet payments are provided, the system of bonuses and discounts.
• WORLD - Nakhodka for avid travelers. A special service program provides for the insurance system, bonuses and discounts when paying for various services.
• WORLD Black Edition - provides a special level of comfort. Access to a closed traveler club is available, which will help you organize a trip to any country. Concierge service is available.

Thus, "Mastercard Gold" is a cross between standard and high-class cards.

MasterCard Gold: Benefits

With "Mastercard Gold", the user receives many privileges. For example, a credit limit can be more than 300,000 p. With a grade period (use of the amount without percent) 50 days. The annual interest rate is reduced. For holders "Golden" card, it is 23%. Monthly payment When repaying the loan on a credit card Gold will be 5% of the total amount.

Using debit card The holder is also waiting for pleasant bonuses. For storage of funds, interest reward is charged. It is worth saying that the "Golden" MasterCard card has a high degree of protection. It supports 3D Secure system that ensures Internet payments. When the card is lost, it is blocked, and the account holder has the right to get its funds for the "Emergency Money" service.

In addition, the "Golden" MasterCard card has the following advantages:

• the possibility of payment for services and goods worldwide;
• removing cash in ATMs of any country in the required currency;
• medical insurance;
• discounts and bonuses when paying for purchases, booking hotels;
• profitable terms When renting a car.

You can issue a card in one of the banks of the country. The conditions for its receipt and use can be somewhat different.

Golden Cards Sberbank

Sberbank of Russia is trusted for storage of their money many citizens. The credit and financial institution, in turn, offers clients participating in bonus programs and discounts, and also provides convenience of service. The bank draws up golden cards such as Visa Gold, Gold Mastercard. Of the conditions of receipt - age from 18 to 70 years, the presence of a passport and registration. May open additional card For a child with age from 7 years.

MasterCard Gold Sberbank declared on the following conditions:

• annual service cost - 3000 r.;
• daily removal limit - 300 000 r., € 9000, $ 12000;
• credit limit 15-600 thousand rubles. from annual bid. 17.9-23 %;
• grace period up to 50 days;
• card action - 3 years;
• commission for removal of Sberbank ATMs - 3%, other - 4%;
• fine when losing cards - 3000 p.

In addition, the users are waiting for bonuses and discounts on MasterCard + programs and "Thank you" from Sberbank. Among amenities in service - " Mobile Bank"And" Sberbank online ", the possibility of paying housing and communal services and the creation of autoplates, binding to electronic wallets.

"Golden" MasterCard in other banks

Russia has a huge amount of credit financial organizationsthat offer payment cards. Alpha Bank, for example, offers special types of insurance and an attractive interest rate on "golden" credit cards - from 17% per annum with a limit of 210,000 p.

"VTB 24" The GOLD card holder provides a free concierge service, buying insurance protection and increased storage safety. On banknotes, this bank offers special conditions: The rate is not more than 18% per annum at a limit of 600,000 p.

Gold Cards in Russian Standard Bank

In the Russian Standard Bank, in addition to the usual plastic cards of MasterCard or Visa payment systems, you can also be obtained and distributed in the United States, Canada and Some European Cards "American Express" and "Dainers Club". These proposals will be interested in avid travelers and businessmen, often happening abroad.

What does MasterCard Gold? The card is released with a contact chip and a magnetic strip. The holder automatically takes part in the program "Club of discounts", with which you can get a bonus to 30%. If Sberbank provides a concierge service only the owners "Golden" visa cardsThe Bank "Golden Standard" provides it with all owners of MasterCard. With it, it is easy to organize a trip to any country, and information service will tell up the nearest food institutions.

MasterCard Gold credit card in Russian Standard has an increased limit to 750,000 rubles. But the annual rate is slightly higher than in Sberbank - up to 28%.

Amex Gold.

An alternative to the "golden" map of MasterCard can be American Express Gold. The payment system is very popular in the USA and European countries. Increasingly acquire it in Russia and the CIS countries. Citizens aged 25 to 65 years old can arrange it in providing a passport and an additional document at the discretion of the bank. Annual card maintenance will cost the holder of 4000 rubles.

The user is offered the following package of services:

• insurance against accidents during traveling period (up to $ 2,50000), propagating on the owner of the card, his wife (husband) and children age up to 23 years;
• opportunity to get an emergency free consultation lawyer, doctor and other specialists;
• insurance of purchases from theft and damage for 90 days (reimbursed $ 1000 per case or $ 50,000 per year);
• insurance with luggage loss (up to $ 1000), cancellation or delay of flight, other road inconveniences (up to $ 250);
• participation in the Membership Rewards program;
• access to travel agency, which will support the holder worldwide;
• benefits when booking a hotel;
• discounts up to 30% and special offers for purchases and payment services;
• free extract for the use of funds for the year;
• 24-hour free service (technical support, "Mobile Bank", "Internet Bank", SMS notifications.

The American Express credit card holder is provided to 55 days, and the interest rate ranges from 19.9%.

Premium Map "Dyainers Club"

Products of this payment system are designed for travel lovers and avid visitors to restaurants. Diners Club (DCI) cards are a high level of service. Club member - welcome guest in all prestigious places in the world. Among the advantages of the DCI card: a low percentage of fraudulent actions, the lack of restrictions on a one-time transaction, privileges from the best hotels, cultural and entertainment complexes and nutrition networks, life insurance.

Remove funds in any ATM with a logo MasterCard Maestro. (Cirrus), paying 3.9% commission (minimum 200 rubles). However, the use of Diners Club in Russia is inconvenient and obligated: it's easier to purchase a more common payment system Visa or MasterCard. With great success, it takes with you on the journey, since the holder with open hands is waiting for all prestigious institutions.

On a DCI credit card, you can use a loan to 750 000 r. with an annual rate of 29%. A grace period is provided for a duration of 55 days, however, it only acts on purchases.

Visa, Mastercard, Amex or DCI?

Having considered the proposals of various payment systems, it is easy to make sure that they are all interesting in their own and beneficial to the user. In order not to guess with the choice, it is worth a clearly declaring. For example, for traveling, the American Express or Dainers Club will be suitable for traveling. They have extended insurance programs and privileges when placing tickets, visits to hotels, restaurants and entertainment complexes. It should be borne in mind that it will be more profitable to use them in the dollar currency zone.

If the map is planned to be used in Russia and the CIS countries, it is rational to use Visa or MasterCard systems, since almost all banks work with them. Find the necessary terminal will not be difficult. "Golden" cards offer services for travelers, including health insurancebooking hotels and air tickets. MasterCard Gold discounts reach 30%, the bonuses of the issuer bank are complemented.

The "golden" MasterCard system cards are a great option to get the maximum comfort from using cashless money. The owner will be pleased favorable offers, bonus programs and permanent discounts. For business and traveling with the family, life and health insurance is provided, a convenient service for booking hotels and tickets, a privileged attitude in all institutions of international levels. With "Mastercard Gold" you can not only emphasize your status, but also make life more comfortable both at home and abroad.

A large number of modern people use credit cards, regardless of financial position and age. Today exist different types Cards, one of the category basic is Gold (Golden). MasterCard Gold Credit Map is a premium-category option, such a card gives the owner a large number of advantages and financial freedom.

A number of advantages of a bank card type MasterCard Gold

You will be available:

• contactless payment;
• 24-hour customer support and banking services anywhere in the world;
• more favorable credit conditions;
• reducing the Commission when removing cash in ATMs;
• bonuses and discounts;
• protected online purchases on the 3D Secure system;
• the ability to quickly and conveniently use the services;
• opportunity to issue additional cards;
• increased credit limit.

It is far from full list Privileges for mastercard Gold holders. Today, if you want to make a gold card and all get the privileges of VIP clients for free, there is no need to raise the queue and adjust to the work schedule. All applications can be made on the Internet.

Where to place free gold maps MasterCard in Moscow online?

If you want to issue a credit card Mastercard Gold, without leaving home or office, the Creditznatok Internet resource is ready to offer a wide range of relevant and interesting offers for you. Now you do not need to study the pages of banking sites and select the necessary conditions, the Creditznatok aggregator site has already done everything for you. For anyone who wants to get a Gold card for free and all the privileges on a golden credit card are provided with the possibility of making an application online

Why use the Creditznatok service profitable?

• large list of options for the client in Moscow;
• time saving;
• maximum useful and necessary information;
• profitable terms;
• registration and approval of applications online;
• attractive site interface and understandable functionality;

This is not a complete list of advantages for site users. To take advantage of Creditznatok can everyone. Now Golden bank card Mastercard for VIP-clients can be yours and you will not need to spend personal time and effort to design in the bank branch. Creditznatok is your expert guide in the world of finance and lending.

What is a plastic card, today does not know only the lazy or living in the wilderness man. The fact that there is also the so-called gold cards - too, everyone knows. That's just not everyone knows which pro. So it has come time to tell in more detail about what gold plastic cards are, and what advantages they provide their owners.

In Russia, plastic cards of Visa and MasterCard payment systems are most common, although slowly "enter" the Diners Club and American Express payment systems market. However, this process will not be rapid - to create technical infrastructure with an extensive network of ATMs, ensuring admission to the trading network will not be easy and not soon.

So in today's material we will consider only Gold Cards Visa and MasterCard, as the most common and famous citizens in Russia.

Let's start with the fact that "plastic", as you know, are debit (calculated) and credit. Both those and others can be a class of Gold, with both payment systems.

Looking ahead, let's say that by and large, the volume of "chips" and the privileges that holders get premium cardsDepends not so much from the payment system, how many from the bank, their issued.

The main motive for which the payment systems came to the idea that it was time to produce premium products - this is a hidden human need to stand out among others. Abroad, the gold plastic holder is perceived as a VIP person. It is for secured citizens, first of all, these proposals were developed.

To melt the rich people to become owners of plastic cards, in addition to the underscores of their status, it was necessary to have something else. The main advantage was the wide network of payment systems partners who offer discounts and gifts of premium products.

Alas, but the greatest volume of privileges for the holders of gold plastic is only abroad. The chain of stores with discounts is just a huge. In addition, there are special specific services that are not particularly developed in Russia. For example, the Gold Card owner can book places in the hotel, get medical services in a minimum amount of insurance from the partner's company's payment system.

So, if you live in Russia and do not plan travel abroad, you will not give all the advantages for you the ownership of the Golden map. But if you plan to go at least on vacation to the European country, that is, it makes sense to get "on occasion" to save money on vacation and money, and free use services.

In Russia, you can also take advantage of special services, discounts and privileges, but this is more depends not from the payment system, but from the bank in which you make a gold plastic card.

Naturally, banks, in the company with partners, offer or joint co-branding programs, or motivate stores to give discounts for the GOLD class clients. The full list of "freebies" can be found on the site of any bank in the section of plastic cards.

Recently, bonus programs have become popular with the banks - this is when you pay plastic in stores, and for the money spent the money charges bonuses (or points), which can then be spent in the form of a discount in partner stores.

However, keep in mind that tax inspectorate Trying to create a precedent: Citibank has been a requirement that accrued bonuses are income individualsfrom which the bank (as tax agent) It would have to keep and transfer income tax to the budget.

The amount of presented requirements is 600 million rubles. It is possible that this unexpected debt burden will be portrayed on the "happy" plastic holders of Citibank.

However, in addition to discounts and shares there are quite interesting offers. For example, Sitibank for holders of debit gold cards provide special premises and special VIP services. And at some airports even special VIP-zones of the departure waiting.

Terms of use of the Golden Map

BUT! For all these "charms" of life will have to pay well: the release of the card and the subsequent annual service costs 3,000-3500 rubles per year. And in independence from the payment system and the bank (although promotional offers are found when some bank offers this service. is free). The usual plastic card costs 400-600 rubles.

Is it worth overpaying for the status and opportunities to receive discounts? You decide. Another thing if within salary project It is possible to place a card for free - why not take advantage.

There are in Russia in debit GOLD programs hidden plus. Recently, many banks when considering loans applications and similar services to confirm your solvency are asked: Do you have a gold map of any bank?

How to get a gold map

It is done very simple. Choose a bank in which you would like to get a map. The choice is simple: see the issues for the release and annual service (most likely you will find that all banks they are the same). Then learn the list of discounts, gifts and shares that the Bank offers under this program.

Next, just order yourself such a map. This is usually done in the bank office. For registration and service contract, only your presence and necessarily passport is necessary. And, well, and 3,000 rubles of the Commission for the release of the cards, which will need to immediately contribute to the cashier of the credit institution.

Gold products are made in speed also quickly as ordinary - about a week. As soon as the card is ready, the bank (in theory) will be informed about this and will invite to the office for receiving.

Some banks (for example, Promsvyazbank) provide a service for filling online applications To receive plastic directly on its website. So you will have to go to the office of the organization just once - for receiving a map.

Benefits of gold credit cards

IN this case - It makes sense to make a gold card. Why?

First, almost all the privileges provided for VIP clients will be available (exception can be special programsintended only for debit products holders).

Secondly, you can get more favorable credit conditions. As a rule, this is a reduced interest rate (usually for 4-5% per annum less than the standard) and a reduced commission for cash withdrawal in ATMs (a standard commission - an average of 4.9%, for gold cards - 2.9%). But for all this will have to pay: the release and annual maintenance of the usual plastic card It costs 400-600 rubles, gold - 3,000-3,500 rubles.

In some banks, the size of the credit limit depends on the type of card. According to standard cards - 30 000-50 000 rubles. You need more, make up a golden credit card. So there is no talk about any status of the owner.

Gold debit card

Sberbank

Map "Give Life" Visa Gold in rubles is intended for customers who want to help seriously ill children. When it is decorated into the "Give Life" Foundation, half the value of the first year of service and 0.3% of the purchase amount is transferred. The validity period on all bank cards is 3 years, it will have to pay 4,000 rubles for service every year.

MTS MasterCard Gold owners receive points that can be changed on free SMS, MMS, minutes. The card is produced in rubles, US dollars and euros. For its service every year will have to pay 3,500 rubles, 120 US dollars, euros.

With Aeroflot map Visa Gold Customers have the opportunity to get free Aeroflot tickets or Sky Team airlines. The maintenance fee is the same as on the MTS Bonus map.

Classic Sberbank Mastercard Gold and Visa Gold Sberbank, protected by electronic chip, are issued. The service fee is slightly lower than in the co-branded and amounts to 3000 rubles.

Gold cards have wide opportunities, however the minuses of the gold option are that its cost is much higher than that of the classic. For example, for map MasterCard Gold and Visa Gold every year need to pay 3000 rubles, and for classic - 750.

VTB 24

The bank presents a debit multicurrency card, which is produced simultaneously in rubles, US dollars and euros. Every year, the payment in the amount of 3000 rubles is charged for its use, but the holders participate in the program "Collection": for every 30 rubles you can get 1 bonus.

Alfa Bank

The Alfa-Miles card with contactless payment technology PayPass allows you to accumulate miles, and then use them for booking hotels in airline tickets and train tickets. Plastic holders remove funds in ATMs abroad without commission. Product is produced for free, but 3,500 rubles per year are taken for the service.

The Aeroflot card is suitable for customers who use the services of Aeroflot and Sky-Team companies, and the S7 Priority map is S7 and OneWorld. Copyright miles can be changed on a free flight. The service fee of Aeroflot reaches 2500-3500 rubles per year, and "S7 Priority" -349-799 rubles (and 450-550 rubles for the release).

The classic Alpha Bank Visa Gold and MasterCard Gold cards are drawn up within Comfort packages or maximum and are served for free. They allow you to take money abroad without a commission (limited).

Russian Standard Bank

The bank in the Gold Pocket Promo is manufactured at the Bank's initiative for up to 5 years. Conditions: It is possible to arrange it in rubles, and the fee for using the card in the first year is not taken. 12% per annum is accrued to the balance of funds, and when paying purchases is returned to 10% of the cost of spent funds.

Embodstate "Bank in Prestige Pocket" with Travel Premium map, you can save points and pay for travel expenses. It is issued for 5 years, and the service fee reaches 3,000 rubles annually. MILES & MORE VISA GOLD DEBIT CARD credit card holders can take advantage of Miles & More Program, as well as change miles on Lufthansa Group airline tickets.

Credit Card Overview

Sberbank

In Sberbank, you can arrange visa credit card Gold "Aeroflot", Visa Gold "Give Life" and Classic Visa and MasterCard Gold. The advantages of the Aeroflot program are contactless payment technology and a bonus program that allows you to exchange a mile. Interest rate on all bank credit products - 21.9% -23.9% per annum. A grace period is provided up to 50 days and limit to 600,000 rubles.

VTB 24

"VTB24 Transaero", "VTB24 Yakutia" and "World Map of VTB24" are also intended for travelers. Making purchases, you accumulate miles that can be exchanged for flights. A product "VTB 24 Russian Railways" Visa allows you to get premium trips to trains of OJSC "Federal Passenger Company" and "Sapsan".

"The Impress Map of VTB24" MasterCard and Avtokart VTB 24 are interesting to the fact that when paying purchases on account returns from 1% to 3% of the amount spent. With the program "Collection" you can exchange bonuses for gifts, pay hotels, air tickets and banking commissions.

The cost of registration and monthly maintenance of banknotes VTB 24 is 350 rubles. The credit limit reaches 750,000 rubles, money can be used at a rate of 26% per annum (according to classic cards - 28% per annum).

Alfa Bank

Golden credit cards are presented with a limit up to 300,000 rubles and a preferential period of up to 60 days by co-branding cards and up to 100 days by classic. Interest rate on affiliate programs - 23.99% per annum (according to standard - 24.99%), the cost of service is 3250-4000 rubles per year.

Among the partner cards are allocated "Alfa-Miles", "Aeroflot", "S7 Priority" and "Anywayanyday" (discount up to 7% when paying tickets and hotels). There are in the bank and classic options "100 days" MasterCard Gold and Visa Gold with a grace period of up to 100 days. Minimum size The rates are 23.99% per annum, the annual commission is taken in the amount of 3000 rubles.

Alpha Bank also offers a unique program "Gemini" with a limit to 300,000 rubles and a grace period of up to 100 days. One side of the credit card, the other is debit. For the use of the credit side, the client must pay 1990 rubles per year. Money is issued under 23.99% per annum.

Russian Standard Bank

The Bank provides a line of credit card credit cards American Express, MasterCard and Visa with additional benefits. Plastic owners can accumulate bonuses and exchange them for flights, goods and communication services, as well as participate in joint promotions with partners of the program.

The maximum limit is almost all "Gold" programs 750,000 rubles, the grace period is up to 55 days. Interest rate - from 19.9% \u200b\u200bper annum.

Sberbank is one of the most popular financial organizations whose services are used by people of the most different, age and official position. Along with the this bank It offers its customers a variety of cards, ranging from free social, ending with gold cards whose service can be 15,000 per month.

The rule, people are more preference to the cards that are tied to the MasterCard payment system as in this case the main currency can be both the US dollar and the euro. Therefore, such a plastic is convenient to use both on the territory of the Russian Federation and during the rest abroad. However, before all the question arises which card to open, premium or standard.

Features of the golden card

MasterCard Gold belongs to elite categories of settlement tools. This means that such a map of a priori has advantages that are significantly expanding the possibilities of its holders. But this product is issued not to all customers, but only the most reliable and responsible.

Among the main advantages of the mastercard Gold, then it is worth highlighting:

• ubiquitous use, including abroad;
• the ability to shoot from the card to 300,000 rubles per day and up to 3,000,000 per month.
• The opportunity to contact the operator of the contact center 24 hours a day 7 days a week;
• the possibility of restoring the lost plastic, even when it is beyond the boundaries of Russia;
• the highest degree of security;
• participation of the program of bonuses "Thank you";
• availability of autoplating services, Mobile Bank and Sberbank online;
• additional privileges from the MasterCard payment system;
• different ways to replenish the balance.

If we talk about the cost of servicing such a card, it will be from 1 500 (if the client opens it until December 31, 2018) to 3,000 rubles. Its term of its action is 3 years (regardless of receiving 50% before the New Year, the following years paid the total cost of plastic).

Map Mastercard Gold Sberbank is considered the most the optimal choice For active and business people who are often traveling in Russia and abroad. Thanks to the participation of the card in various bonus programs, its owners receive discounts when buying tickets, paying hotel services, restaurants and other things. Account replenishment available in mobile application, at the Sberbank online resource, as well as in payment terminals. You can also choose from a debit card or credit card.

Credit Map Mastercard Gold

For map mastercard credit gold All listed privileges are preserved, including discounts and bonuses. At the same time, its holders are provided borrowed funds.

Conditions of credit card Mastercard Gold Sberbank:

• loan limit up to 600 thousand rubles;
• the maximum rate is 27.9% (if the client refers to the category of "trusted", then the percentage of overpayment can be reduced to 23.9%);
• validity period - 36 months;
• the grace period for 50 days;
• service up to 3 500 rubles. per year, in some cases - free (if the client meets the requirements of the Bank and is already a holder of certain banking products);
• free mobile bank.

Become the owner of plastic mastercard Gold Sberbank on the conditions that differ in the greatest loyalty in terms of the amount and interest ratemay not all holders. Financial institution gives preference to owners salary mapsClients with good reputation and active depositors. Separate attention is honored credit history The applicant and its real income.

Mastercard Gold

To get such a Sberbank credit card, you can personally fill out the necessary application in the Bank's Office or do it online on the official website of the bank.

At the same time, the applicant must meet the following requirements:

• age - not under 21 years (but not older than 65 years);
• registration in the same region where the banking department is located;
• total work experience from one year, continuous in one place from six months.

The applicant is obliged to submit to the employees of the institution a passport of a citizen of the Russian Federation, a copy of the labor and a valid 2-NDFL certificate. Consideration of the application takes no more than two days. The amount of the loan and credit rate is determined separately for each borrower.

Pros and cons mastercard Gold

Credit card owners Mastercard Golden Sberbank celebrate the following positive aspects of plastic:

• the technology of the so-called "contactless payment";
• high degree of security due to the availability of chip;
• the possibility of providing a high credit limit;
• the action of bonus programs, including the MasterCard payment system;
• 50-day grace period.

Along with the positive parties, the Gold Card Sberbank Mastercard Gold is not devoid of flaws. Minuses of plastic:

• possible high interest rates;
• expensive service;
• payment for cashing money.

Useful! Additional credit card Not issued.

Standard Map Mastercard Gold

In this case, bonus programs will also be available to clients. Mobile Bank", SMS notifications and other services (only holders of simple plastic will need to pay a monthly for 60 rubles each month, and for the owners of" gold "and some other services will be free).

In the rest, such a card also works outside the Russian Federation and allows you to receive cash at any point of the Earth. However, those who are accustomed to operate with large cash climbs, have to face a daily limit of 150,000 rubles (a month can be removed no more than 1,500,000). However, the maintenance of such a card will be significantly lower - 750 rubles per year.

Estimated payment tools from Sberbank have long been greatly popular among citizens. And, despite the presence of certain shortcomings, the product mastercard Gold provides its owners obviously important and convenient additional features.

One of the most popular credit products of Sberbank are credit cards Visa and Mastercard Gold, which are available only at the prematrabered bank offer for regular customers. What is the features of this proposal?

Lending terms

Sberbank gives a credit card to mastercard Gold on special conditions.

The best deals on credit cards:

Best loan deals:

The payment instrument is issued for a period of 3 years. The card is equipped with a protective electronic chip, and the possibility of contactless use exists only for Gold's visa cards. The release of the MasterCard Gold credit card, as well as the annual service is free.

Official site sberbank.ru.

The release of an additional payment instrument with reference to MasterCard Gold Bank is not provided.

Due to the fact that credits are intended mainly for non-cash payments, Grace-period for cash withdrawals does not apply. Commission for cash recycling is quite high. So, when removing money in the ATMs of Sberbank and partner banks, the Commission will be 3% of the amount, and in ATMs of third-party banks, 4%, but at least 390 rubles.

Payment for purchases.

In addition, there is a daily restriction for cash withdrawal, which is 100,000 rubles for operations through ATMs and 300,000 rubles through the Sberbank Cash.

Requirements for recipients

Considering the fact that the mastercard Gold can only be obtained by special Offer Bank, prerequisite is the use of the Bank's services at the time of contacting the map. Therefore, the client must be an active user of one of the following banking products:

• salary or debit card;
• deposit account;
• consumer credit;
• credit for buying a car or real estate.

In addition, it is necessary to meet the following criteria:

• age from 21 to 65 years;
• registration in the region of obtaining a credit card;
• russian citizenship;
• work experience at least 1 year.

From the documents it is necessary to provide only a passport.

Getting a credit card

If the card is needed urgently, you can get it in the bank branch within 15 minutes. Information about whether there is a safe supply of Sberbank, you can personal CabinetTo which everyone has access to Sberbank.

If the proposal from the bank has not been received, and the client meets all the criteria that the Bank places Mastercard Gold to recipients, you can send an application yourself, indicating the desired credit limit. You can also do this in your account. If the SMS service service is connected, in case of approval of the application, the bank will send SMS.

Debt payment

Make money to the card account must be timely, otherwise the bank has the right to apply increased bid. on credit or penalties.

The simplest and free payment methods:

• aTMs and Sberbank Terminals;
• cASSA branches of Sberbank;
• internet bank.

You can replenish the card through ATMs and branches of third-party banks, as well as with the help of payment terminals. But it should be noted that with such email options, the Commission may amount to 5%.

Features Mastercard Gold

Bonus system.

With the MasterCard Gold card, you can not only solve your financial difficultiesbut also significantly save on purchases. The program of obtaining bonuses "Thank you from Sberbank", in which dozens of partners are followed, provides for a refund of cash in MasterCard Gold calculations. Cacheback ranges from 0.5 to 10% of the amount spent.

Account Management.

In addition to bonus program MasterCard Gold has additional features:

• emergency cash, if the card is lost abroad;
• 24-hour card maintenance;
• completing transactions abroad on the same tariffs as in Russia.

Mastercard Gold can be tied to an electronic wallet.