Today it’s hard to surprise someone with a credit card. And if earlier its presence aroused interest and even a certain envy, then at the moment almost everyone has it. Another thing is that you are only planning to purchase the treasured plastic and still do not know which one to choose. As an example, consider the largest financial institution - Sberbank. What cards are in this bank? And under what conditions can they be obtained?
General information about the cards of Sberbank of Russia
Currently, Sberbank offers the following types of cards:
- credit;
- debit
- with individual design;
- Gift
- social;
- universal electronic.
To get them, it makes sense to contact Sberbank. What cards are available and how much their service costs per year, we tried to find out in more detail.
What credit cards can I open with Sberbank?
For example, you decided to give preference to credit cards of this bank. However, here you may have a ton of questions. For clarity, we’ll tell you what kind of credit cards you can actually get in this financial institution. So, currently you can open the following types of cards:
- gold (Visa Gold, Sberbank also offers premium MasterCard cards);
- "Gift a life";
- Aeroflot;
- instantaneous
- youth;
- classic.
Each has its own advantages and disadvantages. Sberbank offers to open all these credit cards to its customers. Visa or MasterCard cards in this category give their owners special privileges and conditions of service. Below is the standard package of documents for registration.
What are premium cards?
Premium products of the bank provide their holders with a number of advantageous offers and services. So, gold cards allow you to pay for goods and services in virtual and real stores. Moreover, the size of the credit limit for them is not more than 600,000 rubles, and the percentage for the use of bank funds ranges from 25.9 to 33.9% per annum.
For example, your choice fell on a Visa Gold card (Sberbank recommends choosing between Visa and MasterCard). How much will its annual maintenance cost? In this situation, the price depends on the presence or absence of a personal offer on this card. In the first case, annual use will not cost you absolutely nothing, and in the second - up to 3,000 rubles.
It is noteworthy that the receipt of Visa and MasterCard gold plastic implies the following:
- the presence of a fifty-day grace period during which you can use credit money without interest calculation;
- card protection using a chip;
- a number of discounts and pleasant surprises (bonuses, prize draws) from international payment systems and their partners;
- round-the-clock service and quick access to the contact center of the bank;
- quick cash withdrawal in case of loss of a card abroad and much more.
To apply for one of the gold cards you need to submit an application online or contact Sberbank. What cards are in the premium category, now you know. And which of them to issue, you decide.
Give Life credit cards: what is it?
The main feature of such cards is the ability to provide assistance to children with cancer. By the way, on the plastic itself you can see real drawings of children who had previously been helped by the Give Life charity foundation. In particular, on such Gold and Classic credit cards the sun is drawn, which is a symbol of light, kindness and hope. Paying for purchases with this card, each holder helps children.
The “Give Life” Gold card has a limit and the bet size is the same as for premium cards.The cost of annual maintenance of your plastic depends on its type and individual conditions of registration. For example, a Visa Classic card will cost you up to 900 rubles per year, and a Gold credit card - up to 3,500 rubles.
Aeroflot and Instant Cards: Features
Aeroflot cards allow you to earn special points (miles), which you can then spend on the purchase of award tickets for Aeroflot and other companies belonging to the SkyTeam alliance. Bonuses themselves are accumulated for purchases made on the card.
Instant are universal credit cards with instant issuance. They are not registered and are drawn up in just 10-15 minutes from the time of application. The credit limit for such cards is up to 120,000 rubles, and the percentage is 25.9% per annum. To receive them, you must personally visit Sberbank. What cards are in the classic category, we will describe further.
What are classic credit cards from Sberbank?
Such credit cards include classic bank products with a standard set of services. They have the same interest-free fifty-day period, are issued for three years and allow you to make diverse purchases on credit at 33.9% per annum.
The size of the annual service for such credit cards, for example, if you have a Visa Classic card open, will cost you 750 rubles. In addition to a set of discounts from partners of the bank, owners of such cards can activate the “Auto payment” service, which allows you to pay for mobile communications and pay for utilities and other services.
Youth cards from Sberbank
This is a universal offer for young people who are already 21 years old. And even students who do not have a permanent job can get it. Such cards require a credit limit of 15,000 rubles, free connection of SMS notification service for each purchase, the ability to pay for the phone in a couple of seconds and the latest version of the current mobile application from the bank.
The cost of their annual maintenance, according to Sberbank (Visa card in this case is no exception), is 750 rubles. However, for their registration it is necessary to present a passport and a certificate of the amount of the scholarship or earnings.
What are bank debit cards?
Debit cards valid at Sberbank are of the following types:
- Award.
- Platinum.
- In gold.
- Aeroflot.
- “Give Life” (Visa Platinum and Visa Gold).
- Classic (Visa Classic and MasterCard Standard).
- With individual design (classic Visa cards).
- Youth.
- Instant.
- Virtual.
- Social (Maestro-Sberbank).
Premium, Gold and Platinum Debit Cards
Premium cards include Visa Platinum Premier and Visa Platinum. Both allow you to accumulate bonuses, because by default they are connected to the “Thank you” loyalty program. With their help, you can purchase tickets, pay for purchases and communication services. The cost of their maintenance during the year will cost you 4,900 rubles.
Platinum cards also open a number of discount and corporate programs for the bank's customers, and they allow you to get additional credit cards for children starting from the age of seven. Unlike others, they are available not only in national but also in foreign currency, and also provide priority service at Sberbank Premier. Their annual service is equivalent to platinum debit cards.
Gold debit cards also open in rubles and currency. They allow you to get a number of privileges and discounts from international payment systems. Their maintenance will cost you about 3,000 rubles a year.
Aeroflot and Give Life cards
Aeroflot and Give Life debit cards operate on the same principle as credit cards. If we talk about the former, then the cost of maintenance for the year will cost their owners 900 rubles (applies to classic cards) and 3500 rubles (for holders of gold plastic). In the second case, Visa Gold cardholders are forced to pay 4,000 rubles annually for the services provided by the bank, and the holders of the coveted “Platinum” (Visa Platinum) - 15,000 rubles.
Classic and individually designed cards
The main advantage of classic cards is the low price of their service and availability. In the process of registration, everyone can choose between standard plastic and cards created according to an individual design. A vivid example of classic cards that Sberbank advises its customers to open is Visa Electron or a standard contactless card of an international format. It is noteworthy that for a year of service with such a card you will have to pay only 900 rubles, and for the second and third - 600 rubles.
The price of servicing cards with an individual design is 750 rubles per year. Plus, the very development and implementation of its own image or photo on plastic will cost its owner an additional 500 rubles.
Instant, virtual, social and youth cards
Instant debit cards, for example Maestro, Sberbank opens within 10 minutes. They open and are serviced completely free of charge. With their help, you can pay cashless bills and make purchases. In contrast, virtual cards do not have a physical medium, and the cost of their annual maintenance costs at least 60 rubles per year.
Sberbank also has debit cards for young people designed for children of seven, fourteen, eighteen and twenty-one years old. The price of their service is only 150 rubles per year.
And finally, social - Sberbank cards for senior citizens. They allow you to receive and maintain social assistance. Their service is free, and the balance is charged at 3.5% per annum.
