Sberbank issues not only credit and salary cards. Anyone can contact this bank and order a standard debit card for making payments and storing personal funds. Any adult citizen can make a Sberbank card. Moreover, among the offers there is a Youth Card, which is available from 14 years of age.

The most popular Sberbank debit cards

The bank issues more than a dozen debit payment instruments, but there are several options that are especially in demand among clients.

1. . The simplest one, the maintenance of which costs 750 rubles for the first year of use and 450 for subsequent years. Apart from the “Thank you” program, the card is not equipped with any other bonuses. At the client’s choice, it can be serviced by the Visa, MIR or MasterCard systems, and can be used all over the world.
2. . The advantage of this product is the improved algorithm for calculating bonuses under the “Thank You” program. For paying for gas station services and some taxis, the holder receives 10% of the purchase in bonuses. 5% bonuses are given for purchases in restaurants and cafes, 1.5% for purchases in supermarkets. Servicing such a card costs 4,900 rubles per year.
3. . Its release is often initiated by the parents of citizens over 14 years of age. It is intended for use by citizens aged 14-25 years. The card is standard, service is inexpensive - 150 rubles annually.
4. . For every 60 rubles spent on purchases, the holder receives 1 bonus mile. As they accumulate, bonuses can be exchanged for Aeroflot services. You can open the Sberbank Aeroflot card in Gold form, it will run 1.5 miles. Servicing a classic costs 900 rubles a year, a gold one costs 3,500.

These are the most popular debit products of Sberbank, but there are others in the list of offers. With all Sberbank debit cards you can. For the convenience of users, each product is accompanied by a detailed description indicating tariffs and features of use. After choosing a card, you can immediately submit an online application for its issue.

Who can get a Sberbank card

In the case of debit products, there are no requirements; banks set some requirements for credit card holders and ask them to provide a large package of documents.

Even a minor citizen can create a Sberbank card for personal use. If a child has reached 14 years of age, he can contact Sberbank and independently apply for a Youth Card. All other debit products are available to citizens over 18 years of age with no upper age limit.

Among the documents you need to provide the bank with your original passport. It must be valid; expired ones will not be accepted. Sberbank allows a situation where one citizen issues a card for another, but in this case a notarized power of attorney is required.

Sberbank issues debit cards to citizens over 14 years of age only if they have a passport.

How to apply for a Sberbank bank card online

If we are talking about a simple debit product, then you can apply in two ways - personally contact a branch of a financial institution or apply online, having first studied the products and selected the appropriate one.

If you decide to make a map via the Internet:

1. Select a payment method that suits the terms of service and tariffs and begin submitting an application.
2. You need to select a convenient service system (Visa, MasterCard, MIR) and the currency of the account to be opened, indicate personal data, mobile phone number and email address. Here the citizen enters his passport data.
3. The application is sent to the bank. A bank representative promptly calls the citizen back and informs him approximately when to expect the card to be issued.
4. When the payment instrument is delivered to the branch, the client will be notified about this via SMS or call. All you have to do is come to the office with your passport and pick up the card.

When submitting an online application, you can get a Sberbank card in one visit to the office.

How to start through the office

You can also submit an application for issue by directly visiting a bank branch. You can take your passport and come to any convenient branch where services are provided to individuals. There is no need to register; you will be served on a first-come, first-served basis.

First, it is better to familiarize yourself with Sberbank’s proposals regarding the issuance of debit cards and choose the appropriate product. You will receive additional advice on this in the office.

How to make a Sberbank debit card:

1. Visit the bank office, taking your passport with you. Approach the manager in line and inform about your intention to issue a debit card.
2. The manager draws up a statement and gives it to the client to sign.
3. The client is informed of the approximate terms for the release of plastic.
4. The citizen waits for a call or SMS message about the readiness of the card, then comes to the office again and picks it up.

How long does it take to produce a debit card?

Since most often we are talking about personalized cards, the bank needs time to issue a means of payment: it needs to be made and the holder’s name and surname put on it. Manufacturing is carried out not in bank offices, but in other places, so you need to wait not only for the product to be manufactured, but also for its delivery.

If a resident of a large city wants to open a Sberbank card: Moscow, St. Petersburg, Novosibirsk, Yekaterinburg and others, then you won’t have to wait long, the card will be delivered to the desired branch in 2-3 business days. In these cities, delivery takes 3-10 business days. But if you live in a remote corner of Russia, then the wait may last 10-15 days.

How to apply for an instant Sberbank card

If you need a card urgently, if you don’t have time to wait for it to be issued and delivered, then you can order an instant card. It will not reflect information about the owner; a bank employee on the spot can register the stocked “blank” for the client. Such cards are less secure to use, but still have standard debit functionality. Moreover, the service will be free.

To get an instant Sberbank card, you need to go to its branch with a passport; online applications for such products are not accepted. After completing the application, the card is registered on the spot and issued to the owner within 10 minutes.

How to open a virtual type card

The bank's offerings also include such a product. A virtual card is a digital product without physical media. It has details and an invoice that can be used to pay online. As a standard, you cannot use it to withdraw cash or pay for goods in regular stores.

How to make a virtual Sberbank card? This can only be done by an existing bank client, since the operation is carried out through Sberbank Online. The card is issued instantly in a couple of clicks.

How much does it cost to get a Sberbank card?

If you are thinking about how to open a card at Sberbank for free, then you can be happy - this bank never charges a fee for the very fact of issuing a means of payment.

Payment is provided only for using the product, it is charged according to service tariffs once a year. The only completely free option is the Instant Card; its holders pay nothing at all.

Among the variety of bank card offers, personalized cards are popular. They often act as payroll cards and are convenient to use. However, there are also unnamed cards that are also widely used for many transactions. How much does it cost to issue a personalized card, what are its advantages?

In most cases, a Sberbank credit card will be personal. The fact is that it is always issued upon a preliminary application with subsequent consideration. If the application is approved by the bank, the client is issued a personalized credit card. It allows you to use funds to pay for purchases, withdraw cash, etc.

The terms of service and presentation of a personalized Sberbank credit card must be clarified in each individual case.

How much does a Sberbank personalized card cost?

The information about how much a personalized Sberbank card costs is based on its specific type and purpose of use. Usually the release itself is free. However, reissue can cost up to 300 rubles if it is due to the fault of the holder.

How much the maintenance and annual maintenance of a card costs also depends on its type and class. These can be Platinum or Gold cards, the annual maintenance of which will cost 3-5 thousand rubles. If the personalized card is presented in the classic version, then the service can be free or up to 750 rubles per year.

How to open a personalized Sberbank card?

To issue a personalized Sberbank card, you must submit an application for its registration. You can do this in several ways:

• at a bank branch. Here you can write an application both for issuing a Sberbank debit card and for receiving a credit card;
• on the official website of Sberbank. You can order any card here. However, you can receive a personalized debit card after 14 days, and a credit card only after the application is approved;
• in your Sberbank Online personal account. Today, you can only order a credit card from Sberbank Online; the possibility of issuing a debit card is not provided.

After submitting the application, you must wait a certain period of time and come to receive the finished personalized card. You should have your passport with you as an identification document.

Almost every client who receives a salary on a Sberbank card or anyone who is just planning to do so can receive a personalized debit card. However, the procedure for issuing Sberbank credit cards requires the submission of certain documents, confirmation of the status of a regular customer of the bank, or approval of the application.

Receiving a salary, pension or other income on a Sberbank card, a positive credit history increases the chances of approval of an application for a credit card.

Advantages of a Sberbank personalized card

A Sberbank personalized card has advantages over any other. Firstly, the name of the holder is indicated on it, which significantly expands its functionality. This card can be used to pay on the Internet, in stores, withdraw money, etc. It is not always possible to withdraw cash from non-registered cards, for example, the Maestro system. They are intended only for paying for online purchases.

In addition, a personalized card is more secure for the client than a non-named one. If it is lost, you can easily identify the owner from the card itself and return it. The owner does not have to prove ownership of the card.

How is it different from the usual one?

The difference between a personalized card and any other is that the owner’s name is stamped on its body. This expands the boundaries of its use. In addition, it is easier to return a personalized card to the owner if lost.

The functionality of a regular card and a registered Sberbank card is slightly different.

While a personalized card is suitable for a wider range of purposes, a non-named card is usually used to pay for purchases online and cannot be used abroad, etc.

How long does it take to make a Sberbank personalized card?

The production time for a Sberbank personalized card is up to 14 days from the date of filing an application for its issue. That is why you need to order such a card in advance. It is unlikely that it will be possible to make a personalized Sberbank card in a shorter period of time. However, if the bank is not very busy, there may be a shorter waiting period for issuing cards - about 10 days.

Thus, a personalized Sberbank card can be credit or debit. It is easy to use, has wide functionality and is safe. Such cards are often used as salary cards.

In recent years, they have become an increasingly familiar and convenient payment instrument for millions of Russians. Their advantages are obvious: instead of the troublesome processing of several consumer loans, the card holder can regularly use borrowed funds from the bank and repay the debt without interest. In this article we will try to figure out how to get a Sberbank credit card - plastic from one of the most reliable.

What is the Sberbank line of credit cards?

Today, the institution offers its clientele a wide range of credit cards:

Sberbank credit cards

Map (name)			Credit limit	Grace period
Standard/Classic	Mastercard Standard/Visa Classic		Up to 300 thousand rubles	Up to 50 days
	Mastercard Gold/Visa Gold		Up to 300 thousand rubles	Up to 50 days
			Up to 600 thousand rubles	Up to 50 days
Aeroflot Classic			Up to 300 thousand rubles	Up to 50 days
Aeroflot Gold			Up to 300 thousand rubles	Up to 50 days
Premium	MasterCard World Black Edition/Visa Signature		Up to 600 thousand rubles	Up to 50 days
"Gift a life"	Visa Classic/Visa Gold		Up to 300 thousand rubles	Up to 50 days

Differing in terms of service and related functionality, all, however, differ in a number of advantages:

• Each of the credit cards is issued on the basis of international payment systems – MasterCard and Visa. This means that they can be used all over the world with a guarantee of the safety of your own funds.
• Sberbank offers cards of various segments - there is a suitable credit card for a client of any income and capabilities.
• The credit card will be equipped with contactless payment technology (payPass/payWave) - with its help you can pay bills with one touch.
• Sberbank clients use - this is not a classic cash back, which allows you to exchange points for purchasing goods / paying for services in the institution’s partner stores.
• For those who need a credit card urgently, there is the Momentum program - with it you will receive the card on the day you submit your application.
• A special place in the line is occupied by “Gift of Life” cards - when you pay for purchases with them, you transfer a fixed percentage of the transaction to a fund to help children with serious illnesses.

This set of advantages, coupled with the reliability and reputation of the bank, is an excellent reason to get a credit card from one of the oldest financial institutions in Russia.

Conditions for obtaining a Sberbank credit card

Let's start with the requirements for a potential credit card holder. This can be a Russian citizen between the ages of 21 and 65, who resides in the Russian Federation on a permanent basis. What do you need to get a Sberbank credit card? Be sure to have your passport with you - this will be enough to apply for the standard/classic version of plastic. For premium segment credit cards, the institution will require documents confirming the person’s solvency:

• A copy of the work record, certified at the place of work;
• Certificate of income of an individual in the standard form - 2-NDFL (it indicates the client’s income for the last six months).

A possible reason for refusal to issue a credit card may be non-compliance with the bank's requirements. For example, a person who wishes to issue a card is over 20 years old, but is not fully 21 years old - this is grounds for Sberbank to refuse to issue plastic. Another reason may be the submission of false information about a private person’s income, place of residence or other personal data. As with a classic loan, you will be interested in the client’s credit history. If it records late/non-payments on loans, the financial institution will definitely refuse to issue the card. Finally, an excessive number of loans issued to an individual is a reason for the bank not to issue a credit card: the repayment burden will be too large and risky.

You can only apply for a credit card in the traditional way. It involves a visit to one of them, which is probably located near the client’s home or place of work. This is due to the development of the institution’s network of representative offices, the largest in Russia. In total, there are 17.5 thousand Sberbank branches in 83 constituent entities of the federation. To speed up the procedure for applying for a credit card, you can pre-fill out a form on the official website of the institution. It states:

• Full name of the person;
• Location (city/town);
• Passport details;
• Phone number.

In the list of available products, you will need to select the name of the card, its type (belonging to the payment system). In a special field, the client can indicate additional data about himself: for example, that he is already connected with Sberbank through certain contractual relations or indicate his work experience, income and other information. However, you will have to visit the institution in any case: in order to issue a card, Sberbank must receive the necessary package of documents for consideration.

When will the map be ready?

A decision on each case, coupled with the subsequent release of plastic, occurs within three days to two weeks. The exception is cards from the Momentum series with an instant decision. The bank will issue them on the day the application is submitted.

By the way, the procedure for applying for a credit card can significantly simplify and speed up existing relationships with the bank. If a salary or pension card, a classic debit card, a loan or a deposit is opened in the client’s name, the financial institution will give you a so-called pre-approved offer. Compared to an ordinary proposal, it presupposes:

• More favorable interest rate;
• The amount of the credit limit determined personally;
• A more affordable price tag for the annual service of a plastic card.

Please note that you can only get a credit card at a Sberbank branch, moreover, at the address where you submitted your application. Along with the plastic, the client receives an envelope containing a PIN code. It is strongly recommended to memorize it so as not to encounter fraud. It is known that the password written on the credit card itself or in the wallet can easily be used for evil purposes.

Any plastic is issued to the client without being activated. This is done in order to protect the client and the credit funds that he has the right to use. To activate the plastic card, you need to insert it into one of the Sberbank ATMs and enter the PIN code.

A distinctive feature of Sberbank is the widest selection of credit and debit cards. Each of them has its own characteristics in terms of functionality, conditions of use and maintenance. In order not to encounter unexpected debits from your account during use, you should clarify in advance how much it costs to make a Sberbank card, the cost of issue and further maintenance.

Types of plastic cards

Among all the variety, the following types of product stand out:

Registration procedure

The procedure for issuing any card is extremely simple, and the time frame is minimal. Sberbank provides a new card upon request of any client within 3-14 days.

The exception is the release of personalized products and the use of individual designs.

To receive a debit card, 2 visits to the nearest Sberbank branch are enough. Requirements for clients are democratic: citizenship of the Russian Federation or another state, age over 18 years, registration in the Russian Federation. The issue of receipt for persons without permanent registration is decided by bank employees on an individual basis, taking into account the specific situation.

1. An application for issue is filled out at any bank branch.
2. When submitting an application, an identification document must be presented.
3. The branch employee either issues the card immediately or informs you of the time frame for receiving it.
4. A bank employee at the specified contact phone number notifies you that the card is ready by call or SMS.

The procedure for obtaining credit cards differs in terms of consideration of the application, an expanded package of documents confirming the client’s income and more stringent requirements for borrowers.

How much a personalized Sberbank card costs depends on the type of card, the availability of a credit line and other options. Using a personalized card, the client has the opportunity to make payments during trips abroad, withdraw cash, and top up his account. A special feature of the personalized product is the ability to pay in stores without entering a PIN code.

To make payment, you will need to present your passport. Additional cards can be registered on one card account, allowing loved ones to use a common card when depositing and withdrawing cash. Using a personalized card requires presentation by its owner, whose name is indicated on the card. When an additional card is issued, the name of the other holder is entered in the corresponding Cashholder field.

Replenishment

The issue of replenishing a card account is solved in several ways. The holder can choose any most convenient method:

1. deposit via terminal/ATM;
2. deposit through a cash desk at a Sberbank branch;
3. transfer from another card (debit) issued by Sberbank or another credit institution;
4. electronic transfer from another card/account of the holder using the Sberbank Online system.

When replenishing cards with a credit line in order to repay a loan (full or partial), you should worry in advance about the time frame allocated for crediting funds to the credit account. Since the money arrives in your account with a slight delay, it is important to make payments in advance to avoid late payments on the loan.

How much does it cost to get a Sberbank card?

Most types are issued by the bank free of charge. However, you will have to pay 500 rubles to create an individual design. Significant differences are in the cost of annual maintenance. Tariffs can vary from 0 to 15,000 rubles depending on the type of payment system used, product category (classic, premium) and special conditions provided to cardholders.

Cards with free service

When ordering a new plastic card of the following types, the service will be free:

First year service fee

How much a Sberbank card costs for annual maintenance depends on its capabilities and the benefits provided.

Up to 1000 rubles The following cards will cost an annual fee:

• debit cards of the Mastercard payment system (Standard, Virtual, Maestro);
• debit cards of the Visa payment system (Classic, Electro, Virtual);

Details on the service tariff can be found on the bank’s official website or from a specialist at the branch.

Advantages and benefits of different types of cards

The higher the cost of servicing the card, the more benefits it provides:

1. Banking products Momentum(MasterCard Standard, Visa) allow you to operate in three main types of currencies, as well as take advantage of bonuses and discounts provided by Sberbank’s partners.
2. Visa Platinum/Premier with an annual fee of 4.9 thousand rubles allows you to use various discount programs, participate in promotions, receive bonuses from bank partners, use the service of purchasing airline tickets, railway tickets, and pay for tourist services.
3. Aeroflot Visa Classic with a subscription service of 900 rubles, you can freely purchase plane and train tickets.
4. Aeroflot Gold (Visa Gold) are serviced by Sberbank for 3.5 thousand per year. The card has the same functionality as other Gold cards.
5. Contactless card (Visa Classic/Mastercard Standard) allows you to accumulate and use bonuses from partners, participate in promotions, and receive discounts on products with an annual service of 900 rubles.
6. Virtual card Visa/Mastercard used only for payments in rubles. Service costs only 60 rubles. At the same time, the owner does not have the opportunity to use bonuses and participate in promotions

Features of using a social card

Plastic card issued with support for the Mastercard payment system "Social" has a number of advantages:

1. Cash withdrawal and replenishment at Sberbank ATMs and self-service devices.
2. Non-cash expense transactions (transfers to individuals, payments to legal entities, payments for housing and communal services, loan repayments, setting up automatic payments).
3. Using the Sberbank Online Internet service to carry out various calculations.
4. SMS notifications about debits and deposits made using Mobile Banking.
5. Receiving income on the account balance at the rate of 3.5% per year.

For clients who care about how much it costs to get a Sberbank card, this type will be the best option, because... issue and servicing are provided by the bank free of charge. Validity period: 3 years.

The card is designed for transactions with rubles. The owner can be any adult citizen of the Russian Federation and other countries with permanent or temporary registration, as well as any individual receiving pension payments. The age of the owner of an additional card has been reduced to 7 years, subject to the written consent of parents, guardians, and other adult representatives of the child’s interests.

How much does the Sberbank Youth Card cost?

The card can be issued by two payment systems: Visa and Mastercard. Any citizen no older than 25 years can become a holder.

The release of this banking product allows:

• pay by non-cash method;
• replenish your account through bank terminals/ATMs, receive transfers from parents via SMS, Sberbank Online, mobile application;
• receive a scholarship or salary (to organize transfers, it is enough to provide the card details to the accounting department);
• transfer of scholarships from cards issued by other issuing banks.

Card maintenance is only 12.5 rubles per month, which is significantly lower than other plastic cards. The holder can take advantage of the opportunity to participate in various affiliate programs, accumulate bonuses when paying for purchases by non-cash method, and participate in club promotions.

Availability and reliability are the fundamental features of all cards issued by the Savings Bank. The range of products is so wide that it covers all the main areas of interest of clients, borrowers, and buyers. Studying the conditions of issue and further use guarantees Sberbank clients maximum comfort when conducting financial transactions.

Sberbank debit cards are used for non-cash payments and withdrawals of money through terminals. Many options have cashback and withdrawal limits. Bank cards have different terms of use.

What debit cards does Sberbank offer?

There is a chance to order a Sberbank debit card with free service. Users receive a certain profit. The interest rate depends on the card turnover. It is possible to instantly link the card to foreign currency accounts. Here you will find maps:

• various payment systems;
• for a certain category of clients;
• with additional bonuses and privileges.

Conditions for issuing debit cards at Sberbank

You can receive Sberbank debit cards for individuals by selecting a set of additional services. The best offers for users whose accounts pass through large sums.

You can apply for a Sberbank debit card in 2020 by leaving an online application on the website. The manager will call you back to clarify the loyalty program and wishes.