The Visa Classic card from Sberbank consistently ranks highest in credit and debit card reviews, and also collects a lot of positive feedback. We invite you to read a brief description of this proposal.

The Visa Classic card is one of the most popular plastic cards used by thousands of customers. It is easy to use, does not require large maintenance costs and gives access to many services provided by the bank, including the Internet (we are talking about the “ Sberbank Online ").

Today, the bank offers its customers two options for obtaining such a card product: a debit program and a credit program. Below you can read a detailed description and rates related to this offer.

Its main purpose is the use of the client's own funds, as well as receiving wages, pensions and other cash receipts to the bank account. Convenient for making transfers and non-cash payments, which within the same region will be made without commission.

Terms and rates:

• The cost of annual maintenance is 750 rubles in the first year and 450 rubles starting from the second,
• issued for a period of 3 years,
• account currency can be in rubles, dollars or euros,
• there is an electronic chip protection,
• there is the possibility of additional issuance of a card that will be linked to a single account.

The owner will have access to:

1. special discounts and offers from Visa,
2. remote service - you can access Sberbank Online Internet banking, activate the Mobile Bank service, download a mobile application and manage your account remotely.
3. cashless transfers, payments and much more.
4. it is possible to pay for services in foreign online stores,
5. linking an account to electronic wallets.

Requirements for the client: he must be over 18 years old, have Russian citizenship and permanent registration in Russia. You can apply at any of the branches or on the official website for.

Please note that if the card is issued as part of a salary project at the initiative of your employer, then the cost of the service will be paid at his expense. Your expenses can be no more than 60 rubles per month, provided that you want to connect an SMS alert.

Designed for the use of credit, i.e. borrowed funds provided by Sberbank of Russia. They can be used to pay for any purchases, including online stores in our country and abroad. They are accepted in all enterprises where there are special payment terminals.

• has a credit limit of up to 600 thousand rubles,
• the interest rate starts from 25.9% and varies up to 33.9 per annum,
• An interest-free period of up to 50 days is available.
• the cost of annual maintenance is up to 750 rubles. annually. If there is a special pre-approved offer, then the service charge will be 0,
• electronic chip protection
• additional cards cannot be issued.

It is possible to draw up on two documents, proof of income and a certified copy of the labor are required. There is access to all services, as in the debit version. It is possible to apply online, for this you need to follow the link.

The owner of the credit card must be over 21 years of age, have citizenship and permanent registration on the territory of the Russian Federation and at least 6 months of work experience at the last place of work.

Various discounts are provided for cardholders and special offers from a group of partner companies, in particular, participation in the Thank You from Sberbank bonus campaign.

Recall, " Thank you"- these are special points that are credited to your card for paying for goods and services with its help. depends both on the company itself and on the cost of the purchase. These points can pay up to 99% of the purchase price.

• Money transfers ,
• payment for goods and services,
• payments at ATMs and through the Personal Account,
• online banking.

Many people have already used the popular service of banks and. The credit card of Sberbank Visa Classic is invariably in high demand. It allows you to use borrowed funds at any place and time. The credit limit is up to 600 thousand rubles. The interest rate is determined on an individual basis from 25.9% per annum.

The classic credit card has a wide service network. Making it out, a person has access to a range of services and opportunities. Visa Classic credit card can be used to pay anywhere in the world. The term for making the card is several days, and if there is a pre-approved offer, you can get it on the day of application at any branch of the bank.

Pros and cons of a Sberbank credit card Visa Classic

Getting a credit card with an optimal interest rate is not only convenient, but also profitable. Citizens of Russia with a permanent residence permit can get it. In this case, the age of the cardholder must be from 18 to 65 years. A card is issued only if you have a complete package of documents, including income statements, copies of a work book, a passport with a residence permit.

Individuals who:

• receive wages through Sberbank;
• use other banking products of the bank (, consumer credit);
• opened a deposit.

The cost of service is 750 rubles. in year. If the bank has received a pre-approved offer, then you can count on a free annual service. Cardholders can take advantage of individual offers and discounts provided by the bank's partners.

The advantage of the card is the presence of the bonus program "". It allows you to earn points and use them to pay for purchases. When making payments and paying for goods and services using a card, it charges from 0.5 to 50% of the amount spent. For example, you can use points to top up your mobile account or pay for goods in an online store.

The disadvantage of a credit card is the presence of monthly payments. In case of delay in payment, fines of 38% per annum are charged. In addition, late payment of a credit card can damage your credit history, making it difficult to get a loan in the future.

In addition, the bank does not provide the possibility of issuing an additional card. According to the reviews of Visa Classic cardholders, it should be noted that the bank can unilaterally increase the credit limit.

Cash withdrawal conditions

Many people draw up a credit card so that they always have the opportunity to withdraw cash from it at the right time. No less relevant is the question of how to use the card, since it has a strictly limited grace period, an individual interest rate and commissions for cashing out.

Visa Classic allows you to perform many different transactions, including:

• make money transfers;
• withdraw cash;
• pay for services and goods.

With the Visa Classic card, you can pay for any purchases in stores, and, if necessary, cash out at an ATM or terminal. Withdrawal of money from the card is carried out at any branch or terminal of Sberbank. The minimum commission for a withdrawal operation is 390 rubles. or 3.0% of the amount.

If you withdraw money from the card at the terminals of other banks, then the commission percentage increases. For example, if you withdraw 15,000 rubles, then the commission will be 450 rubles. When withdrawing cash in the amount of 5,000 rubles, the commission will be equal to the established minimum amount of 390 rubles.

Conditions for repaying a loan and closing a card

Credit card payments are made in accordance with the payment schedule. After the end of the grace period, the borrower must make a payment for the use of borrowed funds. You can top up your credit card balance using a mobile bank or the "" application. Access to a personal account opens up many advantages for a person, including control over their accounts and bank deposits.

You can pay the monthly payment by depositing cash into the account at the bank terminal. In case of delay in payment, the system of penalties begins to work. Therefore, before applying for a card, it is worth considering whether you can make monthly payments on time and without delay. Regular delinquencies on a credit card can lead to bad credit history.

You can find out the amount of the debt at a branch of Sberbank, in the personal account of the Sberbank Online service, as well as by activating the Mobile Bank service or by sending a message to 900, indicating the word "Debt". At the same time, you do not need to pay money for viewing information.

MasterCard Standard card is a credit card with an optimal set of banking services and an attractive service cost. This is a convenient opportunity to make purchases all over the world, where bank cards are accepted for payment.

General information

• Credit limit: up to 300,000 rubles.
• Interest rate from 27.9%* to 36%
• Grace period up to 50 days
• Maintenance fee 750 rubles per year
• Card validity period – 3 years

* In the case of a personal offer of a credit card on special terms with a pre-approved limit.

Additional options

The card is protected by an electronic chip. Additional cards are not issued. There is an emergency cash withdrawal service in case of loss of the card abroad. "Auto payment" for paying for cellular communications, utilities and other services. There is a program “Thank you from Sberbank”.

Client Requirements

1. citizenship of the Russian Federation;
2. age from 21 to 65 years inclusive;
3. permanent registration on the territory of the Russian Federation;
4. a total work experience of at least 1 year in the last 5 years and a period of work at the current place of work of at least 6 months.

You can apply for a card on preferential terms under a pre-approved offer if:

• receive a salary or pension on a Sberbank card;
• use a Sberbank debit card;
• have deposits in Sberbank;
• took out a consumer loan.

Advantages and disadvantages of a credit card

1. No hidden fees
2. Special service "Mobile Bank",
3. Opportunity to receive a personal offer on favorable terms
4. You can apply for a card at a branch of Sberbank or apply online. If the offer is ready for you, you will immediately see the approved credit limit and preferential conditions. The card will be delivered to the branch of your choice. Issuing and issuing a credit card for a pre-approved offer takes 15 minutes.

Minus: Transfer between your accounts: from debit cards to a credit account in the system can go within a day. Not a very convenient solution.

Reviews

I have a Visa Classic Sberbank credit card, I have been using it for more than a year, so far only a positive opinion. I issued a card at the nearest bank branch, I provided only a passport, since I am a Sberbank salary card holder, no other documents were required. The card was issued the same day. It is convenient to pay for purchases, plus there is a grace period, SMS comes every month with the amount that needs to be paid, it is just as convenient!

My parents have been owners of Visa Classic cards for more than a year, both debit and credit, and, of course, they were issued at Sberbank, as this is the most reliable. There are no problems and difficulties in using the card, as well as no risks, protection is at the highest level. I have a youth card with an annual service of 150 rubles a year. The first year the service was free. I mainly use my card to pay online.

To implement payroll projects, Sberbank uses several types of debit cards. The Visa Classic card is the most widely used. The range of its possibilities is quite wide. It allows not only receiving and withdrawing wages, but also paying for purchases and services, using online payments, accumulating bonuses, etc. Read more about the Visa Classic salary card from Sberbank in the article.

Features of the salary card Visa Classic Sberbank

The Sberbank salary card gives its owner access to modern banking technologies and services on favorable terms. It allows:

Having a salary card, a bank client is available at any time to consult on its use and maintenance with a personal manager assigned to the organization. To apply for loans, connect the “Thank you” bonus program, and online services, a bank employee can go to the workplace to a payroll client.

Annual service salary card Visa Classic Sberbank

The amount of the commission for servicing a Visa Classic debit card participating in a salary project depends on the terms of the agreement between the bank and the organization. The fee range for the first year of using the card is from 0 to 750 rubles. / 25 dollars / 25 euros for the main card and 450 rubles. / USD 15 / EUR 15 for extra. In subsequent years, the main card costs 450 rubles, the additional card costs 300 rubles.

On whose shoulders the payment of the commission for servicing the card will fall - it is written in the employment contract. Some employers annually transfer the total amount of the commission to the bank, saving employees from unnecessary expenses. If the employment agreement provides otherwise, then the service fee is automatically deducted from the card balance of each employee.

Registration of a salary card Visa Classic from Sberbank

Registration within the framework of salary projects is carried out centrally. The head of the enterprise or his representative signs an agreement with the bank for the issuance and maintenance of employee salary cards. The accounting department of the enterprise compiles lists of employees who want to transfer wages to Sberbank cards. Additionally, copies of their passports are provided.

The issue of cards takes from 2 weeks. After the receipt of cards with PIN envelopes at the credit institution, the bank notifies the head of the enterprise about this. Upon request, cards can be issued to customers at their workplace. Those who could not get "plastic" at the enterprise are given the opportunity to do this at any time at the bank's office. You must have an ID with you.

The card is activated at the first introduction. By activating the additional SMS-informing service, the cardholder will receive information on the receipt of wages on his mobile phone. The time for enrolling payroll registers of organizations participating in joint projects with Sberbank has been reduced to several minutes.

Visa Classic credit cards from Sberbank have gained wide popularity in Russia. With their help, customers can perform any banking operations, such as paying utility bills, various purchases, cash withdrawals if necessary. Credit cards are very convenient in everyday life and give their owners a lot of advantages, including participation in various promotions held by the bank.

Differences between credit cards and debit cards

However, when applying for a credit card for yourself, it is worth remembering that it has completely different conditions for obtaining, servicing and using than.

• It is much more difficult to get a credit card than a debit one. There are bank funds on the credit card and in order to get the right to use them, you need to carry out a number of procedures and provide the necessary papers to the bank. The procedure for applying for and receiving a Visa Classic credit card is generally similar to applying for a consumer loan.
• Cash from a credit card is always charged with a commission.
• The amount of the credit limit will depend on the permanent place of work and the amount of earnings of the borrower.
• The credit card will necessarily indicate the name of its owner, and sometimes his photograph.

For example, a Visa Classic salary plastic card does not have the ability to issue borrowed funds to its holder, who can save and store only his personal money.

Terms and conditions and required documents

To apply for a Visa Classic credit card, you will need to collect a package of necessary documents. In addition to the passport of a citizen of the Russian Federation, the client may need:

• application for a credit card;
• certificate of income in the form of 2NDFL;
• copy of labor (certified);
• copy of the employment contract (certified);
• IP registration certificate;
• certificate of income of IP;
• pensioners - a certificate of the size of the pension;
• a certificate of ownership of real estate or a registration certificate for a car.

Description of the loan terms

The Visa Classic card is characterized by the following points:

• Annual maintenance costs 750 rubles, it is removed annually in the month when the plastic was issued.
• The client can use the card free of charge if he has a pre-approved offer from the bank. Sberbank makes such an offer to its regular customers and payroll card holders.
• The currency of credit cards from Visa Classic is rubles. Loans in other currencies are not provided.
• The interest rate is 25.9 - 33.9% per annum. The loan amount is determined by the bank, depending on the credit history and other characteristics of the client. The interest rate on credit cards is always much higher than on ordinary consumer loans. If the bank itself offers to issue a credit card or if the client has a good credit history, the interest rate may be reduced.
• The interest-free period is 50 days. During this period of time, the borrower can repay his debt without charging interest for using the loan.
• The security of a credit card is provided by a chip and a magnetic tape, which meets all modern requirements.
• Free connection of SMS-notifications about banking operations is carried out at the request of the client.
• The cardholder can make any payments and transfers via the Internet through the Sberbank Online system.
• The loan limit is from 15 to 600 thousand rubles.
• When withdrawing cash, a three percent commission is charged (but not less than 390 rubles).
• When withdrawing cash from other ATMs, this figure will be equal to 4% (but not less than 390 r).
• The daily limit for withdrawing funds is no more than 50 thousand rubles.
• It is most convenient to carry out a cashless payment using this card, so the client will lose much less in percentage.

How to get a Visa Classic credit card from Sberbank

There are two ways to apply for a credit card:

• on a proposal previously approved by the bank;
• upon application to the bank.

The first option is the most convenient, since the client, in this case, will definitely receive his credit card. If he has a good credit history, or has a salary card or a valid deposit, then usually Sberbank offers to issue a credit card on favorable terms.

If a client, on his own initiative, wants to get a credit card, then he needs to contact the bank branch and write an application. It is much easier to carry out this procedure through Sberbank Online. In addition, the bank will need to bring the requested documents. However, if the client does not have an urgent need for funds, it is better to wait until the bank itself offers the client to get a credit card. This will be much more profitable for the borrower. It is highly likely that an offer will be received by someone who:

• there is a debit plastic card of the bank;
• a bank deposit has been made;
• loan repayment occurs without delay;
• have a pension or salary card.

How to use the card

There are several simple rules, subject to which the borrower will be able to use the card with maximum comfort and benefit for himself. See also: .
Card usage rules

As already mentioned, using a card is more profitable for paying by bank transfer. This is her main characteristic. You can make payments in different ways: through terminals in stores, make purchases on the Internet. It is not profitable to withdraw cash from a credit card, since a commission of about four percent plus 150 rubles will be charged for this operation. for withdrawing money. In addition, the interest-free period does not apply to cash withdrawals. That is, if cash was withdrawn from the credit card, interest will begin to accrue the next day after the implementation of this operation, they will be included in monthly payments. The Sberbank Online service helps to keep track of accurate information on existing debt: the amount of the remaining debt, the date of repayment. Also, the Mobile Bank service can save the borrower from unpleasant surprises associated with the loan.

You can replenish a credit card using the Sberbank Online service, through ATMs and electronic terminals, or at a bank branch by transferring funds from other deposits and accounts. When transferring funds from another bank, crediting money can take up to five business days.

The client needs to make timely payments on the existing debt, since all monetary transactions made by him are recorded and then stored in a common database, the information from which is subsequently used when approving future loans. If the borrower used the loan in bad faith, then further attempts to obtain approval for the loan will not be successful.

A Visa Classic credit card is an excellent reserve of financial resources, with its help you can not borrow money from friends and acquaintances. The cash limit of the card is renewable, which makes it possible to use it if necessary for a long period of time.

Pros and cons of a Sberbank credit card Visa Classic

The card has its pros and cons. The client himself has the right to decide which of them is more important for him. The advantages of the card include:

• support for 3D Secure technology;
• the presence of a microchip;
• inexpensive annual service;
• high credit limit;
• participation in bonus programs;
• the ability to connect auto payment;
• use of mobile and Internet banking;
• convenient remote services;
• function of attaching a card to electronic wallets.

The disadvantages of the Visa Classic card include:

• high interest for the use of cash;
• lack of an interest-free period and setting restrictions on the use of cash;
• serious penalties for late repayment of credit debt;
• Lack of the possibility of issuing additional cards.