Russian Sberbank, together with the well-known domestic charitable foundation “Gift of Life”, with the support of the well-known VISA payment system, presented Russian citizens with a special card, thanks to which clients can save children suffering from various serious diseases. When the Sberbank Give Life card is used for personal needs or for purchases, a small amount is transferred to the children.

The card design includes drawings of boys and girls whose lives depend on donations. The children created beautiful drawings of themselves next to their loved ones. The background symbol is a drawing of a golden sun, which was drawn by a girl named Dasha. This sun is hope for a happy future, where the children will definitely not face pain and suffering.

What is the essence of the program

The above-described charitable foundation was founded about 10 years ago. Its main task is to help children suffering from cancer and hematological diseases. Children want to see their families again as soon as possible. And each of you has a real opportunity to help them. The Sberbank card “Give Life” is designed to provide support to such children. Sberbank of Russia transfers half of the annual service income and 0.3 percent of the total amount of purchases made by clients directly to the fund.

What is characteristic of a debit card and how to get one

To fully support the charity program, the international payment system VISA is issuing debit cards.

The Podari Zhizn debit card has the following service conditions:

1. The 12-month service cost is 1000 rubles.
2. The owner can withdraw cash from ATMs and not pay a commission.
3. One of the privileges is the opportunity to use bonuses and privileges from Sberbank.
4. You can withdraw cash in other countries.
5. 3 percent of all purchases go to charity.

Applying for a Gift of Life card is considered not the most difficult process. First, you need to come to one of the Sberbank offices with a certain set of documents. Then you will need to fill out a form to receive it, and two days later the manager will call you back and tell you what decision was made.

Moreover, the card can be issued on preferential terms if:

• Your salary or pension is credited to your main Sberbank card.
• You already have a debit card.
• You are the owner of a deposit in this bank.
• You make loan payments at Sberbank.

Specifics of obtaining and features of servicing the “Give Life” credit card

If you are a citizen of Russia between the ages of 21 and 65, then the Podari Zhizn credit card will be available for receipt. This card can be obtained by borrowers who have worked for at least 6 months at a specific workplace and have Russian registration. Moreover, it is necessary that over the last 5 years the work experience is at least 12 months. For a year of servicing a credit card, you will need to pay 900 rubles (Classic type). A gold card will cost 3.5 thousand rubles.

Now it’s worth considering the features of servicing this card.

1. It is valid for 3 years.
2. The interest rate is always set individually and can range from 25.9-33.9 percent.
3. There is access to the “Thank you” bonus program from the bank.
4. Commission for cash withdrawal is 3 percent. In third-party terminals the percentage increases to 4.
5. Each purchase donates 0.3 percent of the amount to charity.

Terms of deposit

Deposits within the framework of the above program are short-term and valid for 12 months. At the same time, bank clients can terminate the agreement early without consequences. Depositing or frequent withdrawals are not allowed. In case of early termination of the contract, the owner will receive 0.01% per annum for the first year, and then the amount will be equal to 2/3 of the previously established rate.

To activate the deposit you will need at least 10 thousand rubles . The interest rate is 6.45 percent and is calculated quarterly. There is the possibility of multiple prolongation of the deposit. 0.3 percent per annum will be transferred to charity.

By the way, it is very interesting to compare the “Gift of Life” credit card and a deposit under the same program. In the first case, for example, funds will be transferred to the fund constantly, and in the second case only once a quarter. Moreover, the amount depends solely on the deposit. As for a credit card, the purchase amount plays a role here. In general, the owner of the deposit has the opportunity to transfer any amount on his own initiative.

Thus, the “Gift of Life” program was created to provide effective financial assistance to children suffering from serious illnesses, the treatment of which requires a significant amount of money. In addition to voluntary donations, 50 percent of the amount for the year of service is also transferred to the fund. All accumulated funds are divided among children who need your support. The conditions for receiving a Podari Zhizn card are more than flexible, so almost anyone can apply for it.

Sberbank has launched an unusual banking project for its clients - “Give Life”. It is a collaboration with the charitable foundation of the same name, the contributions of which are transferred to the needs of children who require financing for the treatment of complex diseases. The Sberbank “Gift of Life” card provides an opportunity to participate in the financing of the fund, as well as provide assistance and support to sick children. Thanks to them, children who suffer from hematological, oncological or other diseases receive regular assistance in the form of medications and care.

Features of the “Give Life” card in Sberbank

Of the entire list of plastic cards, the “Gift of Life” series of cards is the only one that participates in the financing of a charitable foundation. A special feature of the card is that, regardless of its type, 0.3% of each purchase goes to the Gift of Life charity foundation, thanks to which card holders help children fight serious illnesses.

In addition to the features described above, the plastic card has all the main characteristics inherent in Sberbank debit cards. Also, the card holder can accumulate bonus points with each non-cash payment for goods or services in. With bonus points you can return from 0.5 to 20% of the money spent, depending on the partner store. For the points accumulated on the bonus account, you can subsequently receive taxi rides, various, as well as.

Debit cards “Gift of Life”

To date, Sberbank has presented 3 types of “Give Life” debit cards: Classic, Gold, and Platinum. Depending on the type, cards differ in the cost of servicing, as well as the limit for withdrawing funds from self-service devices and bank cash desks. Debit cards, including salary cards, are issued through the Visa payment system.

Classic card “Give Life”

Terms of Service:

• The cost of annual maintenance is 1000 rubles for the first year, and 450 rubles for the second year and beyond;
• The cost of servicing an additional card is 450 rubles for the first year, and 300 rubles for the second year and beyond;
• The card is valid for 3 years;
• Payment system - Visa;
• Unscheduled reissue of the card - 150 rubles;

Per month, the cardholder can withdraw up to 1,500,000 rubles from Sberbank ATMs and cash desks without charging a commission, and up to 150,000 rubles per day from Sberbank branches and ATMs. If the amount withdrawn from the Sberbank cash desk exceeds the limit of 150,000 rubles, then a commission of 0.5% of the excess amount is charged. Also, if a client withdraws money from ATMs of third-party banks, a commission of 1% of the amount is charged, but not less than 100 rubles. If cashing out is carried out at a branch of another bank, then a commission of 1% of the amount is charged, but not less than 150 ₽.

An SMS notification service is also available for cardholders. To use this service, you need to connect to the service. The service allows you to control accounts, as well as carry out payment transactions and transfers using. The first two months of using the package will be free, after which a fee of 60 rubles per month will be charged. If the use of SMS operations is not implied, then you can switch to the tariff, the service of which is free.

Gold card “Give Life”

Terms of Service:

• The cost of annual maintenance is 4,000 rubles for the first year, and 3,000 rubles for the second year and beyond;
• The card is valid for 3 years;
• Payment system - Visa;
• Contributions to the Gift of Life fund - 0.3% of the purchase amount + 0.3% from Sberbank, and 50% of the cost of the first year of service;
• Scheduled reissue of the card is free;
• Checking the balance and receiving statements of funds from the card in other banks - 15 rubles per request.

The main feature of the “Gift of Life” gold card is the increased withdrawal limit, which is 300,000 rubles per day and 3,000,000 rubles per month without commissions. For cashing out a card at ATMs of other financial organizations, a percentage is charged that is identical for both the classic and gold cards.

Terms of Service:

• The cost of annual maintenance is 15,000 rubles for the first year, and 1,0000 rubles for the second year and beyond;
• The cost of servicing an additional card is 2,500 rubles for the first year, and 2,500 rubles for the second year and beyond;
• The card is valid for 3 years;
• Payment system - Visa;
• Contributions to the Gift of Life fund - 0.3% of the purchase amount + 0.3% from Sberbank, and 50% of the cost of the first year of service;
• Planned - free;
• Unscheduled reissue of the card - free of charge;
• Checking the balance and receiving statements of funds from the card in other banks - 15 rubles per request.

The limit for withdrawing money from the Give Life platinum card is 500,000 rubles per day and up to 5,000,000 rubles per month. Also, the advantages of this card include free, regardless of the tariff plan.

Every citizen of the Russian Federation whose age ranges from 21 to 65 years can apply for a “Gift of Life” credit card. The total work experience for 5 years must be more than 1 year, and the work experience at the current job must be more than six months at the time of application. Service fee throughout the year: for Visa Classic - in the amount of 0 to 900 rubles. and for Visa Gold - 3.5 thousand rubles.

Visa Classic credit card “Gift of Life”

Terms of Use:

• Card validity period: 3 years;
• : up to 300,000 rubles as part of a mass offer, and up to 600,000 rubles as part of a personal offer;
• Bonus programs: from the Visa system and “Spasibo” from Sberbank;
• Deductions to charity: 0.3% of the purchase, as well as 50% of the annual service fee;

Terms of Use:

• Interest rate: 23.9% - 27.9% (set personally);
• Interest-free period: 50 days;
• Card validity period: 3 years;
• Credit limit: up to RUB 600,000;
• Bonus programs: from the Visa and ;
• Application approval process: about 2 days;
• Deductions to charity: 0.3% of any purchase, as well as 50% of the annual service fee;
• Receipt of cash: 3% (more than 390 rubles) - in ATM devices and PVN of this bank, as well as 4% - in devices and PVN of third-party organizations.

Having issued a “Gift of Life” credit card (more about this in the branches of Sberbank of Russia), interest from any purchase using it will go to the fund of the same name. Also, before using a credit card, you should familiarize yourself with.

Conclusion

The unique conditions of the Gift of Life program provide the possibility of stable financial contributions for seriously ill children. In addition to donations from the deposit and the Gift of Life card in Sberbank, which are carried out on a voluntary basis, Sberbank also transfers half of the total amount of its income (50% of the annual service fee). The money collected in this way is distributed by the curators of the fund among those children who urgently need help.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.

What documents are required to receive a card?

To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.

Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.

It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.

How can I use THANK YOU bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.

How can I find out my card details?

To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.

Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.

You won’t find any kind of credit cards on the modern market. Platinum, gold, classic, with “cashback”, with additional discounts, co-branded - there is simply a sea of ​​them, and they all bring certain benefits to both bankers and their owners. However, there is one product that stands out more than noticeably among this variety. We are talking about the Give Life credit card.

A joint project of the charitable foundation of the same name and the Russian Sberbank was launched back in 2011. And since then, hundreds and even thousands of seriously ill children across the country have been able to gain real hope for a healthy future. As you probably already guessed, today in our article we will talk about the kindest card from the largest bank in Russia.

Terms and conditions of the Gift of Life charity program

We need to start with the fact that all cards from the “Give Life” series issued by Sberbank have an original design. It is based on the drawings of those children whom the charity foundation has helped and continues to help. Among them is a drawing of a little girl Dasha, who chose the golden sun against the background of a clear blue sky as a symbol of happiness and health. This sun, according to the little girl, not only warms, it gives strength and hope to all seriously ill children.

But let's get back to the main thing. Still, the “Gift of Life” credit card is good not so much for its design as for the fact that it allows both the bank and its clients to provide invaluable financial support to sick children. According to the terms of the special program, Sberbank of Russia undertakes to transfer a certain part of its profit to the charity fund’s account, namely: half the cost of the first year of servicing the card and an additional 0.3% of each purchase made using it. In turn, another 0.3% of the amount spent will be automatically debited from the plastic holder’s account in favor of the same fund.

Is this real help? More than. Let's just imagine. If a person spends at least 1,000 rubles daily on such a credit card, then in a year he will transfer at least 1,100 to his children. “On top” Sberbank will put a similar amount, and then prudently supplement it with 50% of the mandatory service fee (450 rubles for classics and 1,750 rubles for gold cards). As a result, each average “Gift of Life” card holder will bring up to 4 thousand rubles to the fund in just one year. What if a person starts spending more? What if there are at least 50 or 100 thousand people like him? Potentially this is at least 20-40 million rubles of financial support. Moreover, the support for any borrower is unnoticeable and does not put any burden on the family budget. But how many lives will be saved!

Credit conditions for the “Gift of Life” card

In addition to the fact that the Gift of Life card is charitable, it is also a credit card. The bank's money will always be on it, and the borrower will definitely have to pay for its use. How much? Everything will directly depend on the status he has earned at Sberbank and his ability to use the grace period.

As usual, verified clients will receive the best financing conditions. Today the bank includes among them depositors, debit card holders, salary earners (pensioners), as well as borrowers with a decent reputation. All of them will be able to take out loans on the card at 25.9% per annum, and if they learn to maneuver the 50-day grace period, then at 0%. And the loans, it must be said, are large - up to 600 thousand rubles within the framework of a revolving line. As for the annual service fee, Sberbank will not charge it at all from VIP clients: neither for gold plastic nor for classic ones.

Being new to Sberbank is a little worse. No, of course, they will also give you a card. Only the limit approved for it will initially be in the range of 30-50 thousand rubles, and the interest rate will be set at 33.9%. In addition, on the unpleasant side, all debutants will be surprised by the account maintenance fee. Classic will cost 900 rubles every year, “gold” - 3,500. Quite a lot. The only reassuring thing is that children will eventually see exactly half of this amount. Grace, by the way, for beginning borrowers the most common is up to 50 days.

Conditions for issuing a Gift of Life card

Applying for a Sberbank Gift of Life card is no more difficult than getting any other credit card here. Experienced borrowers, for example, will get by with just two documents: a Russian passport and some other identification document (foreign passport, driver's license, etc.). But non-privileged clients will need to collect a complete package of papers. It will include a passport, a certificate of employment, and a document confirming the presence of an official, not gray salary.

Other requirements are banal. What concerns the permanent registration of the borrower in the region where the card is issued is mandatory. As well as by length of experience: 12 months over the last 5 years and 6 months at the last place of work. With all this, the applicant’s age will not have to exceed 65 years - the bank has frozen work with elderly pensioners during the crisis. The same, by the way, applies to 18-year-old students. When they grow up a little (at least until they are 21), Sberbank will immediately say “you’re welcome” to them. It's still early.

The registration process itself is extremely clear; Sberbank did not come up with anything new. A person comes to a bank office, hands over documents to the manager, fills out a form, signs it and waits 2 days for a decision. If he receives a positive response from creditors, he waits another 2-3 weeks. This time will take the bank to produce personalized plastic. The borrower will be able to pick it up, and at the same time sign the loan agreement, at the same branch.

Every year in Russia, thousands of children face such a terrible disease as cancer. The Sberbank Gift of Life card is a unique product on the market. It was developed by the bank together with the charitable foundation of the same name. Debit and credit card holders finance the fund, which then provides financial support to sick children.

The “Gift of Life” charity project was created in 2006. But Sberbank did not stop there and decided to support the noble cause. This is how the emission of “plastic” with the same name began.

On its front side there are drawings of sick children whose treatment is paid for using the collected funds.

Owners of “Give Life” cards will also help them using them for payments. Sberbank transfers 0.3% of the amount spent by the client on purchases to the details of the charitable foundation.

50% of the commission for the first 12 months of servicing the “plastic” will also go to this account. The client performs standard operations for himself and helps sick children.

“Gift of Life” program at Sberbank

Depending on their needs, the client chooses the offer that fully suits them.

For credit cards, the amount of donations is determined taking into account the funds spent in the retail chain. For the “Gift of Life” deposit, the bank transfers 0.3% per annum of the amount of the deposit to a charitable foundation. Sberbank transfers funds to the fund every three months. A deposit can be opened in an amount of 10,000 rubles for one year.

Terms and rates

When choosing a product, the client primarily focuses on the current tariffs and the benefits that it gives them. It is necessary to take into account not only the interest rate, but also various commissions.

Credit card

The terms and conditions of this product are as follows:

1. The maximum limit for regular clients of Sberbank is 600,000, and for borrowers “from the street” – 300 thousand rubles.
2. The duration of the grace period is 50 days. It applies only to non-cash payments.
3. Interest rate -27.90% per annum.
4. Issue of additional cards is not provided.
5. Account maintenance fee – 900 rubles. annually.
6. The commission for cash withdrawals from ATMs and Sberbank cash desks is 3%, minimum 390 rubles; at ATMs of other institutions - 4%, minimum RUB 390.00.
7. Viewing balances at ATMs of other banks – 15 rubles for each request.
8. “Gift of Life” is issued in two classes: Visa Classic and Visa Gold. The latter is more expensive; 3,500 rubles are charged annually for account maintenance.

All credit card holders take part in the “Thank You” bonus program. For payments in the trading network, they receive points to their bonus account. In the future, they can be used to pay for goods in partner stores.

Debit card

“Debit” also comes in two types: classic and gold. They are served at the following rates:

1. The cost of annual service for Visa Classic is 1000 rubles, Visa Gold – 4000 rubles is written off in the first year, and from the second year – 3000 rubles.
2. Cash withdrawals from Sberbank ATMs are commission-free, and from third-party banks – 1%, minimum 100 rubles.
3. No interest is charged on the remaining balance.
4. Debit card holders receive up to 5% cashback.

All payments are absolutely safe, since an electronic chip is installed on the plastic and 3D Secure technology is used.

Requirements for holders

A debit card can be issued by a citizen who has reached the age of majority. This is the only requirement for clients.

Individuals aged 21 to 65 can receive a credit card. Work experience at the last place of work is at least 6 months, and the total work experience is at least one year.

How to apply and receive?

To issue a credit or debit card, the client must personally visit the branch and provide his civil passport. No other documents are needed. Your credit card application will be reviewed within 1-2 days. If the decision is positive, then the borrower needs to sign the agreement.

The payment card is issued within 10 days. After handing it over to the client, you need to activate it. To do this, just insert the card at ATMs and enter the PIN code correctly. After successful completion of the operation, you can pay for purchases in the retail network and withdraw cash.