Visa classic credit card conditions. Requirements for receiving a classic card

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Sberbank rightfully holds the title of the largest financial institution. And this is not surprising! After all, almost every second resident of our country has a plastic card or uses any other services.

Sberbank offers its clients a wide selection of card products. There are more than forty of them in total, and this number continues to grow. However, despite such diversity, Visa Classic is considered the most popular plastic.

In this article we will tell you: What is the popularity of this product? What types of Visa Classic exist, and we will also analyze user reviews.

The plastic card from Sberbank Visa Classic is very popular among Russian users. It is inexpensive and allows the holder to actively use online services. In addition, you can always issue additional cards, which is very convenient, for example, for parents.

Validity Visa cards Classic is three years. At the end of this period, the bank issues new map, and communicates this to the holder via SMS notifications.

Moreover, the card answers everything international standards, and is easy to use abroad. A contactless technology payment will not only allow you to make purchases comfortably, but also increase the safety of your funds. After all, thanks to such a system, the client does not need to hand the card into the hands of a stranger; all that is needed is to attach the plastic card to the reading device.

It is also worth noting that Visa Classic constantly participates in various bonus programs. This is not only the famous “Thank you” from Sberbank, but also all possible cash backs for purchases from partners.

As mentioned above, the card allows the holder to use all the capabilities of a personal account in Sberbank Online and Mobile Bank. It is also easy to pay for purchases online.

Important! Best suited for online shopping virtual card Visa Classic. This card does not exist in a physical sense. It exists only on paper. She has a number, an account, and a security code is sent to the client via SMS. This payment method will allow the user to protect their savings from possible hacks by fraudsters.

The specified description is common to all types of Visa Classic cards. However, each specific case has its own characteristics, taking into account which each client will be able to choose the product he needs.

So, Visa Classic can be of two types:

Debit card
Credit card

What each type of product is will be discussed below.

Debit classic map from Sberbank

The Classic Debit Visa is intended solely to enable the client to use his own funds. This could be, for example, salary. In this case, the holder is issued salary card, and the cost of service is established by the conditions salary project.

Visa Classic Debit Card	Annual maintenance cost	Currency	Reissue	Other commissions
Standard	main card for the first year - 750 rubles / 25 US dollars / 25 euros, for subsequent years - 450 rubles / 15 US dollars / 15 euros, For an additional card, the first year costs 450 rubles/15 US dollars/15 euros, for each subsequent year – 300 rubles/10 US dollars/10 euros.	Rubles / Dollars US/Euro	The next card is issued without commission, in case of loss of the PIN code or change of personal data - 150 rubles / 5 US dollars / 5 euros	Checking card balance at other ATMs credit institutions— 15 rub. per request, request for a statement through an ATM - 15 rubles. per request.
"Gift a life"	The main card for the first year is 1000 rubles, for the next year – 450 rubles, for the first year of the additional card – 450 rubles, for the next year 300 rubles.	Rubles	The next card is issued without commission, in case of loss of the PIN code or change of personal data - 150 rubles.	Checking the card balance at ATMs of other credit institutions - 15 rubles. per request, request for a statement through an ATM - 15 rubles. per request
Aeroflot	Main card first year - 900 RUB/35 USD/35 EUR, for each subsequent year - 600 RUB/20 USD/20 EUR, for additional card first year - 600 RUB/20 USD/20 EUR , each subsequent - 450 rubles / 15 US dollars / 15 euros	Rubles/Dollars US/Euro
"Youth"	150 rub. Every year. No additional card is issued	Rubles	150 rub. — in case of loss of PIN code or change of personal data.	Request balance in third party bank, as well as requesting a statement through an ATM – 15 rubles. for the operation
"with individual design"	The first year of the main card is 750 RUB/25 USD/25 EUR, for the subsequent year - 450 RUB/15 USD/15 EUR, For the first year of the additional card - 450 RUB/15 USD/15 EUR, for the next one - 300 rubles/10 dollars/10 euros	Rubles/Dollars US/Euro	150 RUB/5 USD/5 EUR in case of loss of PIN code or change of personal data.	500 RUB/15 USD/15 EUR – for an individual design, Requesting a balance from a third-party bank, as well as requesting a statement through an ATM – 15 RUB. for the operation
"Youth" with individual design	150 rubles for each year. No additional card is issued	Rubles	150 rub. — in case of loss of PIN code or change of personal data	500 rub. – for an individual design, Requesting a balance from a third-party bank, as well as requesting a statement through an ATM – 15 rubles. for the operation
"Contactless"	For the first year of the main card - 900 rubles / 30 US dollars / 30 euros, for the subsequent year - 600 rubles / 20 US dollars / 20 euros, for the first year of an additional card - 600 rubles / 20 US dollars / 20 euros , for the next one - 450 rubles / 15 US dollars / 15 euros	Rubles / Dollars US/Euro	250 RUB/10 USD/10 EUR - in case of loss of PIN code or change of personal data	Requesting a balance from a third-party bank, as well as requesting a statement through an ATM – 15 rubles. for the operation
"Momentum"	Free, no additional cards provided	Rubles / Dollars US/Euro	The operation is not carried out	Requesting a balance from a third-party bank, as well as requesting a statement through an ATM – 15 rubles. for the operation

Classic credit card from Sberbank

Credit Visa Classic from Sberbank is a card on which funds are stored not from the client, but from the financial institution itself. The owner is given a certain limit, and he can use it in accordance with the terms of the loan agreement.

Naturally, in addition to payment due interest for the use of borrowed funds and other payments, the holder pays all established commissions.

In order to issue a credit card, you must present a package of documents established by the bank's rules. However, in some cases, may be provided individual conditions issuing credit cards as part of a pre-approved offer.

The table provides information on Visa Classic credit cards from Sberbank.

Visa Classic credit cards from Sberbank	Pre-approved offer	Bulk offers
Visa Classic /Standard / Visa Classic “Gift of Life”	The cost of annual maintenance is 0 rubles, re-issue at the request of the client is 150 rubles. Interest rate – 23.9%,	The cost of annual maintenance is 750 rubles/900 rubles. Interest rate – 27.9%, Daily limit for cash withdrawals from RUB 50,000.
Visa Credit Momentum	The cost of annual maintenance is 0 rub., Re-issue at the request of the client is 0 rub. Interest rate – 23.9%, Daily limit for cash withdrawals from RUB 50,000.	NO
Visa Classic Aeroflot	The cost of annual maintenance is 900 rubles, re-issue at the request of the client is 150 rubles. Interest rate – 23.9%, Daily limit for cash withdrawal from RUB 50,000	The cost of annual maintenance is 900 rubles, Reissue at the request of the client - 150 rubles. Interest rate – 27.9%, Daily limit for cash withdrawals from RUB 50,000.
Visa Classic “Youth”	NO	The cost of annual maintenance is 750 rubles, Reissue at the request of the client - 150 rubles. Interest rate – 27.9%, Daily limit for cash withdrawals from RUB 50,000.

Implementing modern technologies, a leading bank in Russia has launched a line of bank cards with contactless payment technology for goods and services. This is a progressive step in banking system, allowing Russians to use modern methods payments and protect your funds from theft and online fraudsters.

Visa Classic contactless Sberbank refers to plastics of international standard and provides its owner with a wide range of possibilities. These are non-cash transactions Money transfers, 24/7 remote control. But its most important difference from the traditional Visa Classik card is the ability to pay for goods and services without entering a PIN code. When paying through a terminal, the plastic does not go through the reader, but remains in the hands of the owner. Thanks to the built-in electronic chip, money is debited from the account in a matter of seconds, which guarantees not only the convenience of payments, but also a high level of security. The product can be used in all areas where any non-cash payment is possible, and where special POS terminals with the ability to read a radio signal from an electronic chip. This type of card can become not only a convenient payment instrument, but also serve as a travel ticket.

Types of plastic Visa with the ability to make payments without touching

Peculiarity

What kind of contactless Visa Classic card is from Sberbank, and what features does it have? The main parameters of the card are as follows:

validity period – 3 years;
PayWay touchless payment option;
it is allowed to open an account in rubles, dollars and euros;
there is no need to enter a PIN code when paying for goods with a check amount of up to 1 thousand rubles;
debit card Issued only in salary projects;
production of additional plastics is allowed;
technical features – built-in chip with radio antenna (PFID tag), magnetic tape, 3D-secure protection;
the presence of a transport application, the account of which is divided with the main card account;
the possibility of cashless payment for purchases abroad;
connection to online services and Mobile bank;
equal conditions for cash withdrawals in subsidiaries abroad;
connection to the “Thank you” bonus program;
daily limit – 150 thousand rubles, monthly – 1.5 million rubles.

Tariffs and registration

Apply for plastic Any citizen of the Russian Federation who has permanent or temporary registration can. Age restrictions: for the main card - no younger than 14 years, for an additional card - no younger than 7 years. Registration of plastic takes place at a bank branch if you have a passport and without income restrictions. Annual maintenance is 750 rubles. in the first year.

If the bank's product has pleasant bonuses and additional features, the client will have to spend money on annual maintenance of such plastic

Cost of servicing the Sberbank Visa Classik card contactless

The cost of annual servicing of a contactless Visa Classik card from Sberbank is 750 rubles, additional – 450 rubles. In the next 2 years, the cost is: for basic plastic - 450 rubles, for additional ones - 300 rubles.

Per use Mobile banking for the first 2 months there is no payment, in subsequent months it is 60 rubles. monthly.

When re-releasing a product, the service is free. An exception is the loss of plastic due to the fault of the owner, changes in the PIN code and personal data - it will cost 150 rubles. Topping up the card occurs without charging a commission. Withdrawal of funds - without commission at an ATM of your own bank (if exceeding daily limit 0.5% of the excess amount) and 1% third party banking institution.

Depending on the type, some bank cards require payment for servicing

To one-time payments There is also a request to the bank regarding the account status - 15 rubles. through an ATM of someone else's institution and 60 rubles. for SMS notifications. There are penalties for using an unforeseen overdraft in the amount of 40% per annum.

How to top up a transport card application

Owners of this card can connect the Troika transport application, which allows them to write travel tickets for all types of urban and suburban transport onto it. This service is especially beneficial for residents of large cities with subways.

Troika with great transport capabilities includes a connection to the touchless payment service

You can top up your transport card balance in several ways. The most traditional of them:

through payment terminal or ATM;
in the department;
in MTS mobile communication stores.

But a more comfortable option is online replenishment. This procedure can be done through online wallet(Qiwi, WebMoney, Yandex. Money). Most users prefer online service jar. The algorithm of actions is as follows:

log in to the service;
select the “Payment for services” tab in the menu;
then – “Goods and services”;
in the subsection, click on “Troyka Transport Card”;
enter the plastic data and the required amount;
confirm the transaction with the received SMS code.

Additional features

Sberbank, offering contactless card Visa Classik, provided for clients additional features. First of all, a system of discounts from the most payment system Visa. Plastic holders are provided with 24-hour service through the bank contact center. We also provide assistance in issuing cash if plastic is lost while staying outside of Russia. The card can be linked to electronic wallets.

Visa products have the opportunity to participate in the bank's bonus program Thank you

In addition, cardholders can use the Troika transport application and the Thank You bonus program.

Conclusion

Russians have a great opportunity to join more modern payment options. The contactless payment system has long taken a leading position abroad, and now Russian citizens can take advantage of its benefits.

Currently, a large number of people use the services of banks. The various products that banks offer make life much easier and provide effective assistance in solving various problems. Particularly popular are the credit products offered by Sberbank, the Visa Classic card is proof of this. Credit “plastic” Visa Classic from Sberbank is an indispensable tool when making unplanned purchases when funds are urgently needed.

The card will also help you make long-desired purchases or make trips that were previously impossible to make. To apply for this banking product, you must contact the bank with an application. But before doing this, you should carefully study all the characteristics of the card and the conditions for its use. We offer an overview of the Sberbank Visa Classic credit card. He will help you make the right choice.

Conditions of receipt and required documents

A Sberbank plastic product can be available to almost every person who wants to apply for it.

The credit and financial organization Sberbank, whose Visa Classic credit card is quite profitable, sets certain conditions for borrowers. To receive a Visa Classic card, the following conditions must be met:

The age range is from 21 to 65 years;
You must have Russian citizenship;
Permanent registration at the place of receipt of the means of payment;
The period of work in the last place is at least 6 months.

Classic Visa credit card from Sberbank

To complete this means of payment It is also necessary to collect a package of documents. This card is not issued for just one passport. Its registration will require a little more time and more documents. But the conditions for its use offered by the bank are much more profitable than many others. banking products. Being one of best offers Sberbank visa classic card is issued if you have the following documents:

Passport of a citizen of the Russian Federation;
Application for a banking product;
A certified copy of the work record from the last place of work;
A certified copy of the employment contract, if the person works part-time (the salary amount is indicated);
Certificate on personal income tax form-2;
Certificate of registration of a person as an individual entrepreneur;
Certificate of income of an individual entrepreneur;
Pensioners provide the bank with a certificate of the amount of their pension.

Credit conditions for the Visa Classic product

An advantageous one to use is a classic visa bank card; Sberbank provides the best conditions for it. They are as follows:

The interest rate per year is 25.9%;
Card service – 750 rub. per year, if you have a personal offer, the service is free;
The credit limit is within the limits of 15,000 rubles. up to 600,000 rub.;
Cash withdrawal from your own ATMs is 3%, but not less than 390 rubles, from ATMs of third-party banks this amount is 4%, but not less than 390 rubles;
You can withdraw no more than 50,000 rubles per day.

Terms of use of the card and its features

The most acceptable option is to use a card for non-cash payments.

It is convenient and profitable to become a client of an institution such as Sberbank, whose classic visa card will open up additional opportunities for you. By owning this product, you will need to make mandatory minimum monthly payments to the card. They may be larger amounts, but minimal obligatory payment is 5% of the amount spent. Interest for using the loan is also added to this amount, which must be paid every month.

Visa Classic debit card from Sberbank

Failure to deposit the required funds on time may subject the borrower to fines and penalties. This amount will be 36% per annum of the non-payment amount. Therefore, in order for the payment method to become a truly profitable product for you, you must strictly comply with all the terms of the contract. It is worth noting the features of such a product as the visa classic credit card, the issuer of which, Sberbank, along with other organizations, makes it unprofitable to withdraw cash from credit cards. The percentages that are indicated in the information on cash withdrawals from different ATMs are given without taking into account commissions imposed by third-party banks.

Additional features

For the convenience of clients, it is possible to use personal account in Internet banking and mobile application. Here you can make all the necessary calculations and operations without leaving your home.

Made for clients bonus programs, for which points are awarded for each purchase. One point is equal to one ruble. You can use points to pay for any purchases in Sberbank partner stores.

Clients choose Sberbank of Russia, whose Visa Classic card allows them to participate in bonus programs from Visa and Mastercard payment systems. You can also get discounts when renting cars from Hertz.

Advantages and disadvantages of “plastic” Visa Classic

This card has its advantages and disadvantages. And everyone has to decide for themselves how important certain advantages and disadvantages of this means of payment are for him. Advantages:

Has a microchip and supports 3D Secure technology;
Low maintenance amount per year;
Big credit limit;
Availability of bonus programs;
Availability of a grace period;
“Autopayment” service;
Availability of Internet banking and mobile banking;
It is possible to link to electronic wallets.

Debit Instant card Visa Classic from Sberbank

Whatever profitable products Despite what Sberbank suggested, the Visa Classic card also has its drawbacks. They are as follows:

High interest rate on cash withdrawals;
The grace period does not apply to cash withdrawals;
Restrictions have been established on cash withdrawals;
Serious penalties for late payments;
It is not possible to issue additional cards.

Having considered all the characteristics of this bank product and the conditions for its use, we can conclude that this “plastic” is especially beneficial to bank clients who already have either deposits with Sberbank or are salary clients. The bank places more trust in such borrowers for obvious reasons and provides the best conditions for using credit funds. The Visa Classic product is best used for non-cash payments and try to meet the Grace period. Only in this case will this means of payment become an indispensable and beneficial assistant for you.

Each of us in everyday life faces bank cards. Some use them to obtain short-term loans, others use debit cards to save and spend money. The advantages they have bank cards, are so obvious that it simply makes no sense to list them separately - this is safety, benefit, and comfort.

In this article we will talk about the released largest bank in Russia “Visa classic” cards. Sberbank (namely, this is what we are talking about) offers its clients big choice banking products for every taste. By ordering this or that card, you can use a lot of advantageous offers. More on all this further in the text.

General information about Visa Classic

So, let's start with the fact that all the cards that are presented in Sberbank's assortment belong to the two most common payment systems in the world - Visa and MasterCard. The conditions, as well as the features of this or that category of cards, are quite similar for both. The only difference is in the names, as well as in some individual offers. For example, bonus programs, various temporary promotions and discounts that become available to the client - the cardholder, regardless of the payment system. Their essence is similar, but this is a topic for another article.

In this article we will tell you in more detail what the so-called classic card, which is serviced by the Visa system, provides. Also in this article we will look at the features of this type of banking product and talk about the advantages and disadvantages.

Debit cards

The first category of banking products that we will mention in the article is “Visa Classic” (Sberbank), a debit card designed to accumulate and save the owner’s money. Its function is extremely simple - it is the key to bank account, on which the client keeps his savings. Working with such a card is very simple - the user is only required to pay a monthly fee for card maintenance. Otherwise, “Visa Classic” (Sberbank) provides ample opportunities for its owner. A person can deposit funds to the card, which will subsequently be stored in his account until withdrawn (at any time). In order to reward the client for using bank cards, he is awarded various bonuses when paying for goods and services with your card. They are expressed as a percentage of the total purchase amount. In addition, the debit card is charged interest rate for storing funds in the account. Thus, the client earns small dividends in any case when he spends or saves money.

Types of cards

Formally, there are four types of Sberbank debit cards - a simple “Classic” with a unique design, an “Aeroflot” card, and a card that helps you take part in charity. The differences between them are obvious - if the first one is designed according to a general template (thousands more cards will look just like yours), then you can determine the appearance of the second one yourself, thus receiving an individualized payment instrument. The Aeroflot card allows you to accumulate miles for additional flights in the future (suitable for active users of airline services), and the latter is a card, the money from which (those that go towards service) is transferred to charity. Reviews from people note that it is very convenient to use a profitable banking tool and help children.

Essentially, the conditions for working with all these cards are the same. The only difference is the cost of service - it is higher if you want to order a card with a unique design. And the regular “Visa Classic” (Sberbank) - reviews confirm this - is the simplest and most convenient payment instrument. At least, the terms of its use do not include anything that an ordinary bank client would not understand. The “charity” card helps the “Gift of Life” foundation (about half a percent of the amount from its service is transferred there).

Sberbank's range of banking instruments is not constant - some of them may soon disappear, others may be added. Therefore, by ordering a card now, you can easily refuse it and take another one if, say, more attractive conditions appear in the future. However, since we are talking about what the “Visa Classic” card is, Sberbank is unlikely to significantly change the terms of their service. As a rule, no overly generous bonuses are provided to the client on these tariffs; they can be found on “Gold” and “Platinum” cards. Reviews show, in principle, that the conditions of the cards already satisfy the needs of most customers.

Decor

In order to receive one of the cards described above, you need to go through a simple registration procedure. Sberbank describes how to activate your “Classic Visa” on the official website page. You just need to go to any bank office, provide your passport and sign a number of documents. Regarding the card with an individual design, it should be noted that you can apply for it only online, using a special form on the website. Obviously, this procedure is provided so that the client can submit an image that will serve as a background for the card.

Conditions in numbers

In order to more clearly understand the conditions under which you can obtain a “Classic Visa” card, Sberbank presents a special table. It says that cards can be opened in the following currencies: rubles, euros and dollars. An open card will be valid for exactly 3 years, after which you will need to get a new one. The cost of maintenance is 750 rubles for the first year and 450 for subsequent years. As additional conditions, it was noted that cards can be issued as part of a salary project, be equipped with a special electronic chip for protection, and participate in the “Thank You” bonus program. The reviews we found about the program note that with its help you can not only save a little, but also buy valuable things after many months of accumulating bonuses.

Credit cards

The second category that should be described in this article is credit cards. If debit cards are used to accumulate and save funds, then the latter are intended, first of all, to receive a cash loan from the bank. This is done in a form convenient for the client according to the following scheme.

The user receives a credit card with a so-called credit limit. Its meaning is that this is the maximum allowable amount of funds that a client can receive. As soon as he needs to attract additional funds, he can pay by card (for example, in a store). To return the money to the bank (with interest, of course, if the card does not provide a grace period), you need to put funds on the card balance.

Credit limit

By general rules, the limit of the “Visa Classic” card (Sberbank) is 600 thousand rubles. User reviews positively note this volume, since it is usually enough for necessary purchases. The recipient of the credit card can use these funds, as noted above, to pay for goods and services. In fact, money can also be withdrawn from the card at ATMs for transfer to cash form, but the conditions are such that the client will be charged too much high commission(reaching up to 30-40%) for such an operation. Banks are interested in ensuring that the money from the card remains in non-cash form and in the future.

Grace period

We have already mentioned this category above, and in this section I would like to describe in more detail what this concept is. So, banks reward customers who pay off their debt as quickly as possible. One of its forms is the grace period that the “Visa Classic” card has. Sberbank provides the user with a period of 20 to 50 days, during which he can pay off his debt without having to pay a commission. Thus it turns out interest-free loan provided there is no delay in its return. Customer reviews indicate that this is a fairly common practice. You should find out more about how the option works and how you can profitably make purchases with bank money in the terms of use of the card you order. It's all about a different approach to calculating the number of days remaining until the end of this period.

Keep in mind that anyone who does not have time to repay the debt before the end of the grace period will be forced to repay interest for the entire period of using the loan (including the preferential period).

Payment for goods

As mentioned above, the main purpose of credit cards is to pay for goods in stores. Yes, you may have a Sberbank “Visa Classic” (salary) card, which receives money, but paying with it is not as profitable as a credit card. Firstly, the explanation for this is the lower commission, and secondly, the wide opportunities for working with the “Thank You” program. According to it, each client receives a refund in the form of a small percentage of the amount they spent on purchases. In the future, after accumulating a certain number of such bonuses, the user has the right to spend them. The program is valid only in Sberbank partner stores (of which there are several hundred today). All of these are the largest networks from different categories.

Interest rate

Of course, the Visa Classic credit card (Sberbank) provides for a rate. It is charged for use borrowed money. According to the conditions that we were able to find on the official website of the banking institution, “Classic” cards charge a commission of 25.9 to 33.9 percent per year. Reviews, of course, note that this is quite a lot. At least that much you will overpay the bank. It should also be included here that for servicing “Visa Classic” Sberbank charges the client up to 750 rubles per year. The account with which this card will be linked can be issued exclusively in Russian currency.

Sberbank has the same types of credit cards as debit cards, and their meaning is approximately the same.

conclusions

It's time to take stock. Of course, it’s not for nothing that Sberbank is the leader of the domestic market banking services, because there are as many as 4 modifications of one type of card presented here. This individualizes the approach to the client, regardless of which Sberbank “Visa Classic” card (salary debit or, say, credit) he needs. It is very comfortable.

Moreover, the procedure for managing an account, as well as issuing a card, is simplified as much as possible. Therefore, there is no need to worry about any bureaucratic difficulties.

Cards help you save money, manage it conveniently and simply, and receive some bonus offers. This is what attracts clients to Sberbank, the number one institution in the domestic banking market.

Among the many banks, the most popular and used high degree trust is Sberbank of Russia. Like any financial institution, it offers many services. Sberbank Visa cards are a popular consumer product. Why do clients choose this payment system? What types of Visa cards does Sberbank offer?

Payment systems

There are 2 main types around the world bank payments: MasterCard and Visa. What's the difference?

Firstly, they initially had different distribution: Visa is more often used in America and Australia, and MasterCard is more often used in Europe and Africa.

Secondly, these systems perform currency conversion differently (as a consequence of the first difference). Visa operates American dollars, when using such a card in Europe, money is converted first into local currency, then into US units. At using MasterCard conversion occurs immediately into European money. Accordingly, these systems are good for use in different areas. But Visa’s conversion commission is not high compared to MasterCard, so even a double conversion will cost approximately the same amount.

What to choose

Payment Visa system even with double conversion in European territory, it does not charge a large commission (this depends on the bank), therefore it is the most universal in use. This system is chosen by the majority of residents of modern countries, as well as residents of the Russian Federation. It allows you to use a wide range of international class services.

Sberbank works with this currency system. The Visa card is a popular product, available in different statuses and types, and has a different set of functions and privileges.

Credit or debit

When providing a variety of services in most cases financial institutions issue plastic cards. This is convenient, because in this case you can operate with money without having access to it. direct access in paper form, which is not always convenient. Sberbank Visa cards come in both credit and debit types. They are designed for different purposes and have special terms of service. Debit accounts are more often used to manage their own accounts, employers transfer such salaries to their employees, sellers and buyers operate with them when making indifferent calculations and receiving payments for goods both in online stores and in retail outlets. In other words, such a card replaces the client with a wallet with his own money. At the same time, there is usually no commission for withdrawals or transfers, and for some banking programs there are many bonuses and accruals on the balance of interest after a certain period.

A credit card contains a certain limit of funds belonging to the bank; the client can use them for his own purposes with the condition of their return. This is convenient in cases where there is not enough money of your own to fulfill your needs. A credit card can perform the listed functions debit card, but in most cases a commission is charged for transactions, although its existence and amount are determined by the bank.

The choice of one type of service or another depends solely on your needs. Sberbank Visa cards are available in both credit and debit. Next, we will consider their types, conditions of receipt and service.

From simple to complex

The range of banking services is so wide that every consumer will be able to find the most suitable product for themselves at the most favorable conditions. Just look at the line of programs that Sberbank offers. The Visa card is presented in different forms, all of them have a special set of functions, capabilities and are arranged in ascending order of “status”. Accordingly, the higher it is, the wider the capabilities of the card, the more expensive its servicing, but at the same time the degree of security organized by the bank and the quality of services are increased.

Level 1: Easy Accessibility

The most simple conditions issuance, maintenance and service includes the card Visa electron. Sberbank provides the opportunity to receive it instantly (Momentum) when contacting a branch or order a personalized one. The card is debit and has no overdraft. The table below explains the possibilities and terms of provision.

Card type, payment system	Visa electron Momentum
	Ruble, US dollar, euro	Ruble, US dollar, euro
Card validity period
	No charge	300 rub. ($10/euro)
Electronic chip
Additional cards to the account
Client age for registration		14 years (basic) 10 years (additional)
Issue date	On the day of application	2 weeks for application review + 14 working days for release
Bonus program "Thank you"
		Russia + subsidiary banks Abroad
Sberbank-Online, Mobile Bank

Both cards provide access to the minimum required set of services. If you need a tool for use only on the territory of the Russian Federation, to receive a pension or benefit, then choosing a Sberbank Visa card for instant issue is the optimal solution. If you need a simple system with additional cards (for example, for family members), it is most rational to use a personalized Visa electron; it is additionally protected by a chip, which increases its level of security.

Middle class

The Sberbank Visa Classic card has an international level and an expanded range of capabilities, which is why it is most common among consumers of banking services. It can be either debit or credit, which allows you to choose the most suitable option for yourself.

The characteristics of the Visa Classic debit card are presented in the following table.

Card type
	Ruble, US dollar, euro
Card validity period
Annual maintenance cost	1st year: 750 rub. ($25/euro) 2nd and last. years: 450 rub. ($15/euro)
Electronic chip
Additional cards to the account
Client age for registration
Issue date	After reviewing the application
Bonus program "Thank you"
Territory of use (non-cash payments, cash withdrawals)	Russia, other countries where Visa cards are accepted for payment
Remote account management (Sberbank-Online, Mobile Bank)
Use within the framework of a salary contract

The main advantage of the classic Sberbank Visa card is the ability to pay remotely for any purchases and bills, enable automatic payments, and control your account remotely by linking phone numbers, email addresses, and e-wallets to the card. And most importantly, the availability of the payment system throughout the world.

The Sberbank Visa Classic credit card is described in the table below.

Payment system

Card validity period
Loan interest
Grace period	Up to 50 days
Annual maintenance cost	0-750 rub./year*
Electronic chip
Release additional cards to the account
Credit limit	Up to RUB 600,000*
Commission for non-cash transactions	No charge
Cash withdrawal fee	3% when using a Sberbank terminal; 4% when using third party banks

Note:

* - depends on the availability of personal offers and the bank’s decision after reviewing applications.

The card also allows you to remotely manage your account, enable automatic payments, and pay for purchases around the world. Credit terms Compared to the offers of other credit institutions, they are one of the most profitable, so its use will not hurt your pocket.

High level - special conditions

Map Visa Gold Sberbank has the most privileged range of services. It has been assigned a high status, an increased level of security, and when paying for purchases around the world you will receive privileges and discounts.

Just like the classic one, gold card can be credit or debit. Both options include additional opportunities for receiving discounts, paying utility and other bills, connecting auto payments, etc. The standard package of services has added the ability to receive medical care Worldwide.

Sberbank Visa Gold debit and credit cards can participate in charity: from each purchase, 0.3% of the amount is transferred to the Gift of Life fund, which provides assistance to seriously ill children. In addition, the bank transfers income from card servicing for the first year in the amount of 50%.

Differences between a Visa Gold debit card and a classic one

Increased range of services.
Bonuses “World of Visa Privileges”.
The fee for servicing a regular card is 3,000 rubles/year, for a charity card—4,000 rubles/year.

The card is suitable for those who travel the world, handle large sums, make a lot of purchases, and care about the security of banking services.

Distinctive features of the credit gold card

International payment systems programs provide bonuses and discounts.
Medical care in many countries of the world.
Card servicing per year - up to 3,500 rubles, depending on personal offers and decisions of the bank after reviewing the application.
The interest also depends on the bank’s decision and is in the range of 25.9-33.9% per annum on the loan.

Premium cards have an additional bonus - free provision of Mobile Banking and Sberbank Online.

Choose according to your options

If you need a plastic card bank, choose Sberbank products. It is one of the few that has government support, is the least susceptible to economic fluctuations in the world, and has a reliable system of security and protection of client accounts. Sberbank Visa card service is located at high level with relatively affordable prices and range of services for each category.

The article covers the main types of cards; there are also many offers with a set of special conditions: youth, Aeroflot, Premium, virtual, including bonus programs, reduced rates, accumulation of miles, etc. Thus, everyone can choose a package of services according to their budget and needs.