The development of consumer lending in Russia today has reached a certain level: credit cards (with a smaller or larger credit limit corresponding to the client’s income) are issued to the majority of consumers of banking products. For example, by participating in a salary project, that is, receiving wages on the card of this bank, you can receive a credit card based on a personal offer. The same applies to deposit clients. Sometimes a credit card can literally be forced on you (bank employees also have a plan that needs to be followed). In today's article we will look at this type of banking service, the Visa Gold credit card. There are a lot of reviews about this product.

About the product

For many years it has occupied a leading position among various bank lending programs. The Gold version credit card can be serviced using two payment systems: This card has a fairly large credit limit and a long grace period for repayment. In this article we will talk about the features and conditions for using this banking product, as well as the benefits of the bank.

Conditions of registration

A Sberbank of Russia gold credit card is issued exclusively based on the bank’s special offers for regular customers. This card has a number of significant advantages and differences from standard credit programs. According to reviews, the terms of the Gold loan are quite understandable.

As a rule, they look like this: the maximum limit is up to 600,000 rubles, the interest rate is 25.9%, the grace period during which money can be returned without interest is 50 days, the card is valid for three years, then automatic replacement. The plastic card is issued free of charge and without annual maintenance fees, and is protected by an electronic chip. Additional cards are not issued under this program, which is noted by some clients as a disadvantage in the bank’s work.

We will look at reviews of the Gold credit card below.

Requirements for clients

To be issued a VISA Gold, being among Sberbank’s regular customers is not enough. To receive this personal offer, you must meet the following conditions:

• age must be between 21 and 65 years;
• the citizen must be registered in the region where the banking product is received;
• The total work experience must be more than one year, and in the last position - at least six months.

The bank is provided with a passport and a certificate from work 2-NDFL, pensioners provide an extract on the amount of pension accrual. This is confirmed by reviews about the Visa Gold card.

Decor

Since this card is issued at the personal offer of the bank, its receipt is carried out according to a simplified procedure. As a rule, the bank informs that the card is pre-approved two months before receipt. This is done in one of two ways: notification in your personal account or via SMS. A credit card is issued at the Sberbank office; this procedure does not take very much time.

Methods for replenishing a VISA Gold card

To replenish a credit card, for the convenience of customers, Sberbank has developed several methods:

1. You can deposit funds through ATMs and Sberbank branches without commission.
2. Non-cash transfers are possible using online banking and your personal account.
3. Through ATMs and payment systems of other organizations, including from an electronic wallet, of course, with the payment of interest stipulated by the conditions.

Third-party banks charge a commission (up to 5% of the transfer amount) when replenishing the card through their terminals, ATMs or branches; the period for crediting money can be up to three banking days.

Features of the pre-approved Sberbank VISA Gold credit card

Reviews confirm that among the features of using a gold card are the following factors:

1. 24-hour service provided through the head office of Sberbank.
2. In the event that you have lost your card while abroad of the Russian Federation, urgent cash withdrawal is possible.
3. Subsidiary branches of Sberbank located outside the Russian Federation issue cash under the same conditions as in Russia.
4. It is possible to link your account to an electronic wallet.

The presence of additional opportunities in using VISA Gold provides significant advantages compared to other credit products. The main advantage of any credit card, including the VISA Gold card, according to reviews, is the absence of the need to enter into direct relations with the bank or its representative office if funds are needed urgently. That is, the procedure is greatly simplified: instead of going to the bank, thinking and worrying about issuing a loan, you simply go to the nearest ATM and withdraw money or pay for purchases in a store with a card, limited by the credit limit. You can keep a credit card, so to speak, for a “rainy day” without using it. In this case, the bank will not charge interest. From this point of view, such a banking product is very convenient to use, but you need to remember some nuances. The preferential limit is 50 days on the Sberbank of Russia Visa Gold credit card. Reviews are presented at the end of the article.

What does it mean? This means that you can use credit funds absolutely free, but you must repay the debt within a period not exceeding 50 days. In this case, you use the funds, but the bank does not charge interest. You should only remember that this provision applies only to those expenses that you made by bank transfer. When withdrawing cash from an ATM, different rules apply. In this case, a commission fee of 3% of the withdrawn amount or at least 390 rubles is charged for withdrawal of funds. This needs to be taken into account. In addition, when using a gold card abroad, there is a risk of later receipt of information about the account balance.

As a result, the balance is adjusted later than is necessary for timely payment. This is fraught with interest charges, which can turn the minimum amount into a fairly large debt. In addition to all this, when using a gold credit card, you should be aware of the so-called secondary dangers. These kinds of pitfalls are determined by the peculiarities of human psychology. As a rule, a person paying with a credit card does not lose cash; it remains in his pocket. There is no feeling that you spent more than you planned, since the payment actually takes place with virtual money. As a result, you spend much more than you planned, so you should think before using this banking product and treat it like cash.

Real reviews from owners about Visa Gold from Sberbank can be found in large quantities.

Exceeding the grace period

If you fail to repay the loan amount within, unfortunately, this means that the bank will charge interest. And they will amount to quite significant amounts. They must be repaid on time in accordance with the schedule drawn up by the bank, otherwise penalties will come into force, which can increase the payment amount by an order of magnitude. It is necessary to carefully ensure that after depositing funds there is no debt remaining in the account. This can be done at a bank branch, on the website or at an ATM.

Closing the gold card

If you have an unused Sberbank gold credit card, you should remember the terms of service, since they do not change. The bank does not stop accruing interest if there are arrears in payments. The card must be closed correctly to avoid further problems, disputes with the creditor and make your life easier by saving money and nerves. In order for the closure to take place correctly, you must first pay off all your debt obligations on this card (the exact amount of debt can be found by calling the phone number indicated on the card or in your personal account on the bank’s website). Then you need to submit an application to close the credit card to the branch that issued it. After the application is submitted, the plastic card remains with the manager, who is obliged to destroy it in the presence of the client. Next, the client has the right to receive a certificate of no debt to Sberbank. This document can help in case of disputes.

Safety

It should be recalled that credit funds on the card can be used by fraudsters, so if you lose your Visa Gold card, you should immediately contact the bank to block it. If, however, the theft of money from the account does occur, then this is also a reason to contact the nearest bank branch as soon as possible. The institution's staff will instruct you on further actions. What reviews are there about the Visa Gold card?

Sberbank offers a wide range of loan products, including social and premium ones. Anyone can order a card using a convenient online form. It will only take you a couple of minutes to submit your application.

Visa Gold Card will be an excellent option if you are going to travel to another country. It operates in every corner of the world. You can not only pay for services non-cash, but also withdraw money on optimal terms at any terminal.

Visa Gold credit card of Sberbank: advantages, disadvantages

Bonus points are awarded for every purchase. 1 point awarded is equal to 1 ruble. Having accumulated a sufficient amount, you can use it to pay at partner stores. In addition, when making purchases in such boutiques, Thank you bonuses are awarded at an increased rate - up to 20% of the funds spent. You can control all payment transactions and accrual points through Sberbank Online, which clients receive access to free of charge. Visa Gold is issued in a short time without paperwork and has a wide range of advantages:

• free SMS notifications, access to online services;
• Possibility of use all over the world;
• 24/7 technical and consulting support;
• fast application submission and processing;
• attractive terms of service – free issue and first year of use;
• regular promotions, discounts and special offers from Sberbank partners;
• participation in the bonus program "".

A premium-level bank card also has a number of disadvantages - restrictions on cash withdrawals from an ATM, high interest rates for cash withdrawals, a strict system of fines for late payments, and the high cost of servicing a credit card for the second and subsequent years.

Visa Gold credit card terms and conditions

Interest rate. The borrower can get a credit card at 23.9% - 27.9%. The rate is set depending on personal conditions.

Credit limit. The amount available for credit is 600 thousand rubles. maximum. It is calculated and set based on the client’s solvency. By providing proof of income and having a good credit history, you can count on a high credit limit. The minimum limit is set for new clients in the amount of 15 thousand rubles.

Maintenance cost. The credit card is issued free of charge. Payment in the first year is 0 rubles, and in subsequent years – 3000 rubles.

Grace period. Sberbank offers a long interest-free period on its premium gold card - 50 days. During this time, the card holder can make any payment transactions without accruing interest.

Cash withdrawal. For cashing out money from a credit card, a commission of 3% of the requested amount is charged at the bank’s own ATMs and 4% at third-party ATMs. The minimum commission amount is 390 rubles. You can withdraw no more than 100 thousand rubles daily.

Card replenishment. Return borrowed funds in several ways - through the cash register, access means (ATMs, terminals). The card must be topped up monthly in the amount of at least 5% of the amount spent.

Terms of payment for housing and communal services

Gold card holders are often interested in the question of how to use the product to make payments for housing and communal services. The advantage of a gold card is the ability to pay monthly payments for housing and communal services. Credit cards from other banking institutions cannot be used to carry out transactions for payment of housing and communal services. At the same time, cardholders can pay for electricity, gas and water without leaving home. All payments can be made through the personal account of the "" application.

You can also use the bank's "Autopayment" service. It allows you to write off payments for all housing and communal services automatically. Moreover, the cost of service is 0 rubles. When paying for housing and communal services, no commission is charged, and all relevant information on meters is displayed on the terminal display or in your personal account.

Visa Gold credit card of Sberbank: how to apply

If you want to find out where to get a Visa Gold credit card, then you need to familiarize yourself with the requirements that the bank imposes on clients. A Russian citizen aged 21-65 can apply for a loan. The main condition is employment at the last place of work for at least six months. An application for a Visa Gold credit card can be submitted in one of the following ways:

• filling out an online form, which is presented on the bank’s official website;
• personal visit to a Sberbank branch.

Want to know how Visa Gold is? All you need to do to get a credit card is write an application or send an application online and wait for a decision from the organization’s employees. It is worth noting that the bank places high demands on borrowers.

To obtain a card, you must provide a passport, a certificate of salary or income level, and a copy of your work record certified by the employer. You can apply for a Visa Gold card on the day of application, and after receiving an SMS message about the issue of a credit card, pick it up at a nearby branch. Applying for a credit card will be most efficient and convenient if the bank has sent the client a pre-approved offer.

Traveling to foreign countries for business or leisure will become more comfortable if you have a Sberbank Visa Gold card. The Bank issues two types of “golden” Visa carriers: debit and credit. Let's consider the purpose of bank cards, the features of their design and the opportunities provided.

Gold class carriers in the Visa family

Sberbank, under the Visa brand, issues cards of the payment system of the same name, officially registered in Russia, and based on dollar payments. To differentiate the rules of registration, the cost of annual service, and the level of privileges, it is customary to divide Visa cards into classic (Classic), “gold” (Gold), “platinum” (Platinum). What are the advantages of plastic at each level?

Visa Gold, like Classic, uses three currencies and is used for settlement transactions in cash, non-cash payments, transfers, obtaining a consumer loan, participation in bonus programs and charity. Successfully used as a payroll.

But the gold card differs from its “little brother” in some functions: during foreign business trips it will provide the holder with 24-hour support through the contact center, emergency cash receipt in case of loss of the card, consultations on legal and medical issues.

Platinum is aimed at wealthy and privileged clients of Sberbank. Thanks to the card, the holder will have access to a high credit limit. When traveling abroad, life and health insurance, VIP service in banks, hotels, airport lounges, restaurants, and showrooms are guaranteed. There are purchase protection programs, including those with an extension of up to two years, under which replacement and return of goods of inadequate quality are carried out.

Before choosing a card, the holder needs to determine for what purposes the bank medium is issued.

If the main goal is to use it for payments in Russia, Visa Classic, as well as its variants issued by Sberbank (including Momentum), completely cope with the task.

On foreign business trips, premium class carriers will add more confidence.

Main characteristics

Sberbank's Visa Gold supports settlement transactions in rubles, dollars, and euros.

The processes for registering a plastic carrier follow this order: the client opens an account and receives a plastic card, a kind of “key,” to manage money.

The issuance of a Visa Gold card from Sberbank is accompanied by the usual conditions: the client must be a resident of the Russian Federation, over 18 years of age and not older than 65, with permanent registration at the place of residence. Depending on the type of account, there may be differences in the registration rules.

Visa Gold makes it easier for the holder to access the account and perform banking transactions:

• withdrawing and depositing cash through bank cash desks, ATMs and terminals;
• non-cash money transfer, including via the Internet;
• direct payments for goods in the retail network, company services and housing and communal services;
• settlements with counterparties via mobile banking;
• obtaining a consumer loan within the limit of 300-600 thousand rubles.

The card allows you to participate in charity and incentive programs.

Visa Gold: big advantages and small disadvantages

Finding shortcomings and pitfalls in using a “golden” medium is not easy. Small plastic allows you to simplify payments, is convenient when crossing state borders, reliably stores banking secrets, and provides favorable currency conversion rates.

To increase the level of service for Visa Gold holders, Sberbank offered clients an additional package of Sberbank-Premier services. Owners of deposits and accounts with a total amount of 2.5 million rubles or more can become participants.

Clients are interested in Priority Pass, which provides free service in airport VIP lounges, including up to 9 companions.

As for the disadvantages, debit card holders sometimes complain about the lack of interest accrual on the balance when paying for bank services. For credit cards, an insufficient credit limit is most often noted.

Features of a debit card

Debit Visa Gold is intended for storing the holder’s own funds, as well as making payments.

The bank's requirements for the client are loyal:

• by age - from 18 years for the main carrier; an additional card can be issued for children over seven years of age with the consent of the child’s representative;
• availability of permanent or temporary registration.

The card is valid for 3 years and is issued free of charge. Early issue, re-issue of media after a three-year period, restoration of lost plastic, PIN code are also carried out free of charge.

Sberbank introduced three types of Gold cards

Standard Visa Gold is a universal card, open in three currencies, with great opportunities and bonuses. Used for payments at retail outlets, the service sector, when purchasing tickets, and for transferring wages.

Instant payment transactions, receipt of money into the account within an hour, privileges provided by Visa and the issuing bank - this is not the entire list of advantages.

By registering in the “Thank you from Sberbank” service, the holder receives up to 20% bonus cashback from the bank’s partner structures.

Visa Gold "Aeroflot" has advantages similar to universal plastic. For each purchase, “bonus miles” are awarded, which are transformed into discounts when purchasing air tickets and improving the category of service for air travel.

By opening the “Give Life” Visa Gold, the holder will show himself in charity and help seriously ill children. Card maintenance in the first year is higher than other types. But 50% of the funds received, as well as part of the bonuses awarded on purchases, are sent to a fund to help sick children. The card is issued only in Russian rubles.

How much does it cost to service a debit card?

The following table summarizes information on the cost of banking services for basic and additional Gold-class plastic.

The conditions for using “golden” debits are the same:

• The daily limit for cash withdrawal at the bank's cash desk is 300 thousand rubles or the equivalent in foreign currency, through an ATM - 300 thousand rubles. / $12000 / 9000 euro;
• monthly cash transaction limit: 3 million rubles / $100,000 / 75,000 euro;
• crediting cash to the account per month - up to 10 million rubles. or equivalent;
• payment for goods and services by card is carried out without commission payments;
• commission for exceeding the daily limit at cash desks and ATMs of Sberbank and its subsidiaries - 0.5% of the amount, in another bank - 1% of the amount or at least 100 rubles. / $3 / 3 euro;
• interest payment for accepting money onto a card in other banking institutions is 1.25%, or 30 rubles. - minimum, maximum - 1000 rubles.

The client is provided with related services: account statements, checking the balance of funds - for 15 rubles. / 1 request. Activation of Mobile Banking services and SMS notifications are free of charge.

Undoubtedly, the cost of servicing “gold” cards is higher than classic ones. But the holder receives a significant limit on cash transactions, free re-issue of the medium in various loss situations, and support from the issuing bank in difficult circumstances.

Salary Visa-Gold

Many will ask “Why, if there is a Visa Classic?”

The classic card is convenient for receiving wages. But when concluding an agreement as part of a salary project, Sberbank recommends that employers apply for Visa Gold for top management salaries.

Having premium plastic, executives on business trips will be spared unnecessary formalities when crossing the border, will feel supported by the bank, and will support their own status when resolving financial issues.

Visa Gold Credit Card: How to Get and Use

The Sberbank Visa Gold credit card simplifies obtaining and using non-targeted consumer loans. It is convenient to pay in stores, for services, buy tickets or withdraw cash.

When registering, the requirements for the client are stricter (compared to standard offers): age from 21 to 65 years inclusive, permanent or temporary registration at the location of a structural unit of the bank, official place of work.

When contacting Sberbank, a potential borrower provides the following documents:

• personal passport;
• a certificate of income for the last six months according to the sample established by the bank or form 2-NDFL;
• a certified copy of the work book confirming at least 1 year of experience at the last place of work.

Studying and checking the submitted documents will take several days, then the banking service agreement is approved. The credit limit is set individually and depends on the borrower’s income level. Sberbank approves credit cards primarily for holders of salary and pension cards, as well as those with a positive credit history.

The Sberbank Gold credit card is opened only in rubles. Gold cards are issued in three varieties: traditional, Aeroflot, and Podari Zhizn.

The use of traditional gold credit cards, and under the Aeroflot program on standard conditions are as follows:

• The maximum credit limit is 300 thousand rubles.
• Maintenance - 3000 rubles/year.
• Issued for 3 years, reissue for any reason is free.
• Additional media is not issued to the account.
• The fee for using the loan is 27.9% per annum, in case of violation of payment terms - at the rate of 36% per annum.
• Grace period - 50 days.
• Cash deposits are carried out without commission.

The cost of services for the “Gift of Life” card issued for a mass offer is 3,500 rubles per year. Half of the amount is transferred by the bank to a charitable foundation.

Pre-approved Visa Gold: Features

Sberbank practices issuing “golden” media on pre-approved (pre-approved) or special conditions.

Card plastic is distributed among owners of deposits, participants in salary projects, bona fide borrowers, and debit card users.

The pre-approved Visa Gold card has:

• credit limit up to 600 thousand rubles;
• interest on the loan - 23.9% per annum;
• for some media – free service for 1 year.

To obtain a pre-approved credit card, you do not need to provide any documents other than a passport. The bank issues card plastic in advance and approves the credit limit based on the turnover of bank accounts opened in the client’s name. Visa Gold, received on a pre-approved basis, performs the same functions as any Visa gold card.

Grace period and minimum payment

Sberbank Visa Gold credit cards provide a grace period for using the loan when interest will not accrue.

The duration of the grace period is 50 days, which consists of a settlement period of 30 days. At this time, the holder makes purchases. In the next 20 days, the loan is returned. If the borrower meets the specified deadlines, no interest is charged on the loan.

Sometimes the client cannot repay the debt on time, and the question arises about the minimum payment amount. According to the terms of lending, the minimum for the card is 5%.

Let's show the return calculation using an example:

• approved limit - 150 thousand rubles;
• spent during the billing period - 30 thousand rubles;
• lending conditions are standard.

The minimum repayment amount is:

• 30 thousand rubles. x 5% = 1500 rub.;
• Interest for use will be: 30.0 x 27.9% / 365 x 30 = 688 rubles.
• The minimum deposit required is RUB 2,188.
• Otherwise, you will have to pay a fine at the rate of 36% per annum.
• Next month for the same purchase you will need: (30.0 t. - 1.5 t.) x 5% + 688 = 2113 rubles.

Cash withdrawal by credit cards

A situation where it is necessary to control benefits is withdrawing cash from a credit card. Sberbank's conditions for cashing out funds:

• withdrawal limit through an ATM is 100 thousand rubles. / day, through the cash register - 300 thousand rubles.
• commission for cashing out in the bank’s network is 3%, in other structures - 4%, minimum - 390 rubles.

Let’s assume that 50 thousand rubles are withdrawn through a Sberbank ATM. The commission will be 1500 rubles, which is also debited from the account. The grace period does not apply to cash withdrawals, so the interest payment will be accrued from the first day.

Pros and cons of Sberbank credit cards

Holders of “golden” plastic have a positive assessment of Sberbank credit cards: the bank’s requirements are clear and feasible, and quick processing. The terms of use and interest calculations are clearly stated in the service agreement.

The presence of a fifty-day grace period turns the loan into an interest-free revolving line of credit.

But a credit card is not a source of cash. This is evidenced by high commissions when withdrawing money from an account, as well as the lack of benefits when calculating interest payments.

Media activation

To use, Visa-Gold must be activated. The procedure is carried out no earlier than 24 hours after the release of plastic. To perform the operation, an envelope is sent containing a PIN code known only to the holder.

For the card to become active, all you need to do is perform a simple action: deposit a small amount or make a request. When asked by the system, the PIN is entered and the media becomes active. It can be used for transactions. Bank plastic cards are not activated through a call center or hotline.

Purchase Incentive Program

The bank invited holders of Visa-Gold traditional and “Gift of Life” to become participants in the “Thank you from Sberbank” bonus program. To participate, you must register: through the terminal or using remote access programs.

The option provides for incentives for non-cash payments for purchases in retail chains. For this, you receive incentive points from the amount paid to a special account:

• 5% when visiting cafes and restaurants;
• 1% when paying in supermarkets;
• for other purchases - 0.5% from Sberbank, up to 20% - from partner structures.

Incentives are transformed into discounts when purchasing goods from Sberbank partners. Bonuses are not awarded on amounts of cash withdrawn, when transferring to another account, or paid for housing and communal services. You can check the number of reward points using a special SMS request.

Sberbank of Russia has long been one of the leaders in issuing credit and debit cards on the market. Many Russians, who enjoy using entry-level and classic bank cards, sooner or later think about purchasing status, “golden” plastic.

What is the bank ready to offer its consumers, why is the Sberbank of Russia gold card so good, what are its pros and cons? Let's figure it out.

What is it, the advantages of Gold category plastic for payroll clients

Gold is a category that includes plastic cards of the international payment systems Visa and MasterCard. “Golden” plastic is, first of all, an indicator that its owner is a loyal and long-time client of a banking institution.

Most users can only receive a card based on an individual offer from the bank– if there is a deposit in the accounts, or active and careful use of credit products.

Sberbank also issues “golden” cards owners of individual entrepreneurs, employees of salaried enterprises, general directors and, in general, clients with a confirmed high income.

NOTE! A Gold category card based on an individual offer from the bank is issued and serviced free of charge.

The “gold” category allows its holder to enjoy an expanded package of bonuses and privileges. Among them are increased rates, special insurance when traveling abroad, and the possibility of urgent withdrawal of funds in a foreign country in case of sudden loss of the card. And this is only part of the bonuses.

On the pages of our website you will also learn how, and how profitable its offers are!

Credit offers, limit

A “golden” credit card from Sberbank is a clear indicator that you have succeeded as a client of the institution. This plastic is offered only to loyal payers who closed more than two loans without a single delay, or persons receiving a salary of more than 50 thousand rubles per month.

And Gold is also issued to holders of deposits whose amount exceeds 500,000 rubles.

To receive a card issued on an individual offer from the bank, no proof of income or employment required– just sign the loan agreement and activate the plastic card.

If you apply for a “golden” credit card “off the street”, without being a client of Sberbank, you should not count on favorable conditions. Yes, and you will have to confirm your income.

Maintenance: 3,000 rubles per year.

Grace period for service: yes, up to 50 days.

Credit limit: up to 600,000 rubles (initially, a limit of 100-200 thousand is set for new clients, with the possibility of increasing).

Interest rate for using borrowed funds: 25.9% per year (19.9-21.9% for existing clients).

Requirements for the borrower: age 21-65 years, permanent residence in the Russian Federation, work experience in the last place - at least 12 months.

Features and benefits of debit cards

For those who want to take advantage of available bonuses, have an increased bonus and receive interest on the balance of their own funds in the account, Sberbank gold debit cards are suitable.

Advantages: extended package of privileges, convenient management, fast deposit of funds, the ability to top up your account via SMS, the ability to create an image of a loyal client for lending large amounts in the future.

Flaws- annual maintenance fee.

Status plastic is an indicator of your financial well-being, and can even become one of the tools to confirm solvency when lending to another bank. Those who often travel abroad will appreciate the opportunity to exchange currency between accounts at a preferential rate.

Cards have three accounts: rubles and dollars for Visa, rubles and euros for MasterCard. In addition to one account, you can open up to 5 cards, including for children starting from the age of seven.

Service: 3,000 rubles per year.

Contactless payment: yes, for Visa.

Bonuses, privileges, annual service cost

Surely you have already become interested - what bonuses and benefits does Sberbank offer to gold card holders- Let's see:

• free insurance for those traveling abroad;
• the opportunity to sign up to join the “Gift of Life!” program a card from each purchase through which funds will be transferred to a fund for children with cancer;
• preferential medical care;
• discounts in more than 20 thousand stores, restaurants, hotels around the world (information about them can be found on the websites of payment systems);
• additional protection of funds in the account;
• participation in the “THANK YOU” program - accumulate points by using them to pay for purchases and entertainment with partners;
• emergency issuance of money if the card is lost abroad.

USEFUL TO KNOW: Withdrawing funds from Sberbank’s own ATMs is commission-free; the card can be linked to electronic wallets.

And finally - The “golden” card is a privilege from the bank for its beloved clients, as mentioned above. Receiving an extended list of bonuses for free, or pre-approved plastic with a limit of up to 600 thousand is undoubtedly pleasant.

Conditions for receiving, how to apply online

You can apply for a “golden” card provided that you meet the requirements established by the bank for this category of plastic. What are these requirements?

Firstly, It is mandatory to have permanent registration on the territory of the Russian Federation(stateless persons or those without registration will be denied the product).

Secondly, age – from 21 years, it is necessary to present documents (passport, income certificate and a copy of the work book) if you are a new client.

There are two options for how to order and receive a “golden” credit or debit card from Sberbank:

• leave a request for production using the website online;
• fill out an application at a bank branch.

The first one is more convenient and mobile, especially for those who have a Sberbank personal account.

Simply log in, select the type of card you are interested in and click the “Order” button. After making the plastic, you will receive an SMS notification, and the card can be picked up at the branch.

The second option on how to open a Sberbank gold card is go to the nearest Sberbank office convenient for you, and leave an application for the production of a card there.

It will take no more than 15 minutes. The bank makes a decision on issuance within 2-3 days and produces a personalized Sberbank gold card. Immediately after it is sent to the desired office, you will receive an SMS informing you that you can come and receive a card.

IMPORTANT! The card is stored at the branch for 30 days; if the client does not pick it up during this time, the plastic is destroyed.

If you applied for a debit card, you will need to present your passport and a second document; for a credit card - a passport, a second document, a certificate of income and a copy of the extract and work book.

Terms of use

How to use a Sberbank gold credit card correctly? Before use your new card must be activated. To do this, you can wait until the bank itself performs the operation (within 24 hours from the moment you sign the service agreement) or carry out the first transaction using a PIN code.

Managers at the branch help clients with self-activation, for which an ATM or payment terminal is usually used. An annual service fee is paid to the card account and at the same time it is activated. After which you can pay her for purchases in stores, shopping centers, the Internet, withdraw cash and make transfers.

ATTENTION! For “gold” cards, all transactions must be confirmed using a PIN code, which is issued along with the plastic card.

Plastic is fragile, so It is important to keep your debits carefully. Do not damage the magnetic stripe, do not give the card into the wrong hands. If you lose your card or PIN code, immediately call the Sberbank hotline and block it.

Replenishment, cash withdrawal

In order to use your new payment method, you must first top up your bank account.

You can do this in the following ways:

• transfer funds using mobile banking via SMS;
• deposit them through an ATM or payment terminal;
• top up your account at the cash desk;
• make a transfer from another bank;
• withdraw cash to a card from an electronic wallet.

There are already funds on the credit card, but You will be required to make monthly payments towards your debt., and this is done using the methods described above. The easiest and fastest, given the huge number of them in all corners of Russia, is to deposit money through an ATM with a cash-acceptance function.

To do this, insert the plastic into the device, enter the PIN code and select “Top up your account”. Enter the required amount and insert the bills into the receiver. Once the transaction has been processed (1-3 minutes), the funds will be available for use.

Sberbank is a leader among financial and credit organizations of the Russian Federation. The main goal and task of the bank is to take care of its clients. The bank, taking into account the interests, as well as the financial situation of its clients, meets halfway and offers a certain number of plastic cards. One of these is Visa Gold.

Sberbank gold card Visa Gold

Cards for VIP clients

Visa Gold from Sberbank is a card confirming the status of a privileged client. Today, Sberbank of the Russian Federation, under the Visa payment system with priority Gold, issues 2 types of cards (for participants of the credit project, debit), as well as two co-branding cards: Visa Gold “Gift of Life” and Visa Gold “Aeroflot”. Each card has certain additional advantages relative to its “compatriots”, which only emphasize the status of the consumer of Sberbank of the Russian Federation.
A table reflecting the general terms and conditions of servicing the Visa Gold credit and debit cards.

Benefits of a credit card:

• Credit limit. For Visa Gold card consumers, the credit threshold can reach 600 thousand rubles.
• The interest rate varies from 25.9% to 33.9%. The rate of 25.9% is determined within the framework of an individual offer from Sberbank of the Russian Federation.
• Convenient use of the card outside the Russian Federation due to different payment currencies.
• Life insurance valid in any country.
• Discounts and bonuses from the Visa payment system, valid in 33 countries.
• If you lose your PIN code or card in another country, you can contact a bank branch where you can instantly receive a card valid on similar terms. Or contact the Russian Embassy, ​​where they will provide financial assistance.
• All services provided by the bank through remote access are available to the gold card holder: Sberbank Online, Mobile Bank, as well as an application for mobile devices.
• Commission for cash withdrawal in Sberbank is 3%, in other banks - 4%.
• One-time cash withdrawal up to RUB 300,000. (through the cash desk of a bank branch).
• Service through the contact center is provided around the clock.

The benefits of a Visa Gold debit card are similar to those of a credit card, except for the credit limit and interest rate.

Security

Sberbank of Russia also cares about protecting the financial condition of its clients. For Visa Gold card there are the following protection methods:

• Magnetic strip with Visa CVV security code.
• Electronic chip.
• When paying for services or making purchases through Internet pages, 2 codes are used: CVV2 and VbV. If the first code is indicated on the card, then Verified by Visa is sent only to the mobile phone. This code is one-time only.

Conditions for obtaining a Visa Gold card

To get a debit card necessary:

• Have a permanent residence permit in the territory served by a branch of Sberbank of the Russian Federation.
• Age over 18 years. When issuing an additional card for a child over 7 years old, the presence of a legal representative is required.
• Citizenship of the Russian Federation. If a client wishing to issue a gold card is a non-resident of the country at the location of the bank branch, then the possibility of issuing such a card is decided on a strictly individual basis.

For receiving a credit card must meet the following requirements:

• Citizenship of the Russian Federation.
• The client must be at least 21 years old and up to 65 years old inclusive.
• Permanent registration of the Russian Federation.
• Work experience: total - at least 1 year over the last 5 years, 6 months. at the last place of work.

Preferential conditions to receive a Visa Gold credit card:

• Salary client of Sberbank of the Russian Federation, including the receipt of a pension.
• There is a deposit in a Sberbank branch.
• Using a bank debit card.
• There is a consumer loan issued through Sberbank of the Russian Federation.

The list of documents required to obtain a Visa Gold debit or credit card can be found at the nearest branch of Sberbank of Russia.

Com-branded gold cards of Sberbank of the Russian Federation

Sberbank of Russia implements charity programs

A co-branding card is a card issued in close cooperation between a bank and a partner company. Sberbank issues 2 types of gold branded Visa Gold cards: Aeroflot and Podari Zhizn. Both cards can be either debit or credit.

Gold card “Give Life”. This card is issued in collaboration with the Podari Zhizn charity foundation (a foundation that provides treatment assistance to seriously ill children). When using the card, half of the cost of the first year of service is transferred to the fund, and with each purchase made by this card, 0.3% of the amount is transferred. The cost of annual maintenance is 3,500 rubles. The Podari Zhizn credit card has similar terms of service and privileges as the Visa Gold credit card.

Aeroflot card

For the owner of this card there is an advantage in the form of a bonus - miles. This “gift” was developed by the Sky Team and Aeroloflot alliances (partners of Sberbank of the Russian Federation). The essence of the loyalty program: for every 30 rubles spent, 1.5 miles are credited, which can then be spent on:

• Purchasing a ticket (excluding additional fees and taxes).
• For quality of service (upgrade from economy to business class).
• Purchasing additional services from Sberbank partner airlines. The list of these services must be clarified with the air carrier.

Separately, I would like to note that when registering for an Aeroflot gold card, the user is automatically awarded 1 thousand miles as a gift.

Where can I use my Aeroflot card?

Aeroflot card from Sberbank of the Russian Federation

Using the Aeroflot gold card, you can make payments in all stores that accept cards using the VISA payment system, as well as pay for services or purchase goods in online stores. Users of this card are entitled to all the privileges associated with the Visa Gold card and the affiliate program from VISA.

The cost of annual card maintenance is 3,500 rubles. The conditions for obtaining and tariffs applicable to this card are similar to the Visa Gold card.

Miles accumulated over 2 years of card service expire automatically. However, the system allows you to transfer them to another participant in this bonus program.

Bonuses from the VISA payment system

Having become the owner of a Visa Gold card, the payment system gives additional privileges:

• Concierge service. This service will allow you to organize your trip: indicate flights, select a hotel, book not only air tickets, but also hotel rooms. It will also tell you the location of a restaurant or store. Add. services: flower delivery, ordering tickets to a concert or theater.
• Medical services and legal services in other countries.
• Discount from VISA partners: shops, spa salons, hairdressers and much more.

Video: what to do if your Sberbank gold card is hacked

As can be seen from all of the above, the Visa Gold card has more advantages than disadvantages. The only downside of the card is the expensive maintenance. In general, a gold card from Sberbank is a unique opportunity to get maximum opportunities for a comfortable vacation. A gold card will emphasize your status, which will allow you to feel confident in this life.