Visa gold credit. The difference between a premium card and a standard one
Visa and MasterCard Gold credit card is a premium bank card with a wide range of additional services, special offers and favorable terms of service.
General information
- Credit limit: up to 600,000 rubles.
- Interest rate from 17.9% to 27.9% per annum
- Visa PayWave is a contactless payment method.
- Grace period up to 50 days
- Maintenance fee – 3,000 per year (0 – for special offers)
- Card validity period – 3 years
Additional options
The card is protected by an electric chip. No additional cards are issued. There is an emergency cash service in case of card loss abroad. Receiving cash in Russia and in subsidiary banks abroad under the same conditions. The “Thank you from Sberbank” program is in effect.
Client requirements
- citizenship of the Russian Federation;
- age from 21 to 65 years inclusive;
- permanent registration on the territory of the Russian Federation;
- a total work experience of at least 1 year over the last 5 years and a period of work at the current place of work of at least 6 months.
Advantages and disadvantages of a credit card
Gold credit cards Visa® and MasterCard® Gold of Sberbank of Russia are a convenient tool for paying for purchases, as well as access to various discounts, additional services and privileges from the Visa and MasterCard payment systems.
- No hidden fees
- Special service “Mobile Bank”,
- Sberbank offers its regular customers the opportunity to receive a credit card with a set limit. After 3 months, the unclaimed card is destroyed and ceases to be displayed in Sberbank Online.
- Automatic payment for cellular communication services, housing and communal services, etc. is possible.
- Transfers between your accounts: from debit cards to a credit account in the system can take place within 24 hours. Not a very convenient solution.
- The high fee for annual maintenance of gold cards does not justify itself; apart from the increased limit, VISA GOLD and MasterCard GOLD have almost no advantages.
You can apply for a card at a Sberbank branch. The issuance and processing of a credit card under a pre-approved offer takes approximately 14 business days. The delivery is made personally to the client and takes 30 minutes.
Reviews
Quite recently, when transferring or depositing money onto a credit card through a terminal, you had to wait almost a day before it was credited. Lately I have been observing a tendency towards a sharp shortening of this period. Not more than two hours ago I transferred money to a credit card - an SMS beeped about receipt. Nice. It would be nice to bring it to instant receipt, like on debit cards, but still progress is obvious.
I went into my personal account on Saturday (09/17/2016) and saw that a VISA GOLD credit card was being issued in my name. Since I didn’t plan to take out any loans, I called the contact center to ask why they were issuing a credit card for me without my consent. They were very surprised that there were no applications for production from me, so they drew up an application on my behalf. They promised to consider my appeal by 22.09 and for some reason blocked my personal account until that time.
I am outraged by this fact. Make a credit card without my knowledge and consent?
Sberbank itself selects the clients to whom it decides to issue a credit card and draws up a so-called “pre-approved offer”. He tells you (usually over the phone) that you are the chosen one and all that is required from you is consent. After receiving a positive response from you, you are invited to come with your passport on a day and time convenient for you (within Sberbank’s working hours) to any office suitable for you.
The formation of a “pre-approved proposal” is influenced by the following factors:
- using a Sberbank card to receive a salary or pension;
- Sberbank debit card;
- availability of a deposit in Sberbank;
- Availability of a consumer loan from Sberbank.
The mandatory requirements for obtaining a Gold card are as follows:
- Availability of Russian citizenship.
- Age from 21 to 65 years.
- Availability of permanent or temporary registration in any city/village in Russia.
How does the grace period work on the Sberbank Gold credit card?
The Gold credit card has a so-called “reporting period,” that is, a period during which you can make purchases without issuing an invoice. The reporting period lasts 30 days and begins from the day you opened an account for your credit card. Please note that if you opened a credit card, for example, on October 14, your reporting period will each time begin on the 14th of any month and end exactly 30 days later.
This is what a Gold credit card from Sberbank looks like
At the end of the reporting period, the so-called "repayment period" lasting 20 days. During these days you need to do:
a) or return all the money you spent on your credit card
b) or make the required monthly payment (this is 5% of your loan debt, but not less than 150 rubles).
If you do not have time to do one of these actions, then interest will be charged on the loan, and for late mandatory payments there will be a penalty of 36% per annum.
It’s easy to guess that for the longest interest-free period of using a credit card, you need to start using it on the start day of the reporting period, which will give you 30 days of the reporting period + 20 days of the repayment period (total 50 days without interest).
Sberbank Gold credit card terms and conditions
- A credit card is issued only once and for three years, after which it can be reissued.
- The card account is generated only in rubles.
- The card is issued for three years.
- Servicing the card costs 3,000 rubles per year.
- The maximum credit limit is up to 600 thousand rubles.
- On Sberbank Gol credit cards the interest rate is set at 27.9% per annum. (In some cases, clients are provided with more favorable conditions, where the interest rate starts from 23.9%).
- For late mandatory payments, a penalty of 36% per annum is charged.
- From a Gold credit card you can withdraw no more than 100 thousand rubles per day through an ATM and no more than 300 thousand through a cash register. You can add no more than 10 million rubles in cash to your card per day.
If you have time to issue a card from August to December 31, 2017, then the first year of servicing the credit card will be free, and you will need to pay 3 thousand for the second and third years.
Description of the conditions of the Gold card on the official website
Additional features of Gold bank cards
- You can manage your credit card on the Sberbank website using the Sberbank Online service with 3D-secure technology.
- The card can also be managed using the Sberbank mobile application, which works on both Android and iOS.
- For Gold cards, the “Mobile Bank” function is also available - SMS notification of completed transactions and the ability to top up the account of the mobile phone number to which the card is linked, also via SMS.
- With this credit card you can not only make cashless purchases in stores, pay for orders in cafes and restaurants, but also pay for housing and communal services, education, government services and much more!
- You can pay with a credit card in stores and other establishments by simply placing the card on the reader. In addition, you can link the card to a mobile application, which allows you to pay by touching your smartphone to the device.
Note. Money from a credit card cannot be transferred to any other card of an individual, including Sberbank. You can make a transfer to the account of a legal entity.
Cashback conditions for Sberbank Visa and MasterCard Gold credit cards
Like other credit cards, Gold cards have a cashback program: you pay with the card in stores and cafes, and it returns interest on your purchase back to you. For regular purchases, you will receive a cashback of 0.5% of the amount spent (it all depends on the specific location and nature of the purchase).
However, in stores and cafes that are among Sberbank’s partners, you can get even more bonuses - up to 50% of the purchase amount.
There are also promotions. For example, if you manage to issue a card from September 18 to October 31, 2017, you will be able to receive 10% cashback in any cafes and restaurants until April 30, 2018.
Most popular and large banks issue their own credit cards. And Sberbank, of course, is no exception. This bank has a whole range of credit card offers to suit every taste, and cards with the largest credit limit and favorable lending conditions are called gold.
Sberbank Gold Card - what is it?
A gold credit card from Sberbank is a premium card with additional services, bonuses and the most favorable terms of service. Today the bank offers Visa and MasterCard Gold credit cards.
Visa Gold credit card from Sberbank
The Visa Gold credit card is issued by Sberbank under the following conditions. Firstly, the credit limit is much higher than that of any other popular card - up to 600 thousand rubles. It is issued as part of the so-called personal offer to the client from the bank. The interest rate on the loan is from 25.9%, and card servicing is free. In addition, you can use a credit card without a fee if you use the so-called grace period, which for this card is 50 days.
Visa Gold credit card - advantages and disadvantages
You can get such a credit card with a limit much higher than that of ordinary cards, and also apply for a card on preferential terms according to an individual offer from the bank, which includes a reduced interest rate, a reduced credit limit, and a credit limit calculated personally for each client. You can receive all these privileges if you are an active client of Sberbank. The downside is that if you are not a Sberbank client, you will be deprived of these privileges, but this does not mean that you will not be able to issue this card.
Visa Gold credit card - conditions
So, to get this card, you need:
- Contact one of the Sberbank branches;
- Provide a set of documents: passport, income certificates, documents confirming length of service and employment.
- Write an application for a card.
Your application will be reviewed within 2 business days, and you will be notified of the resolution of your issue.
You can also get a card on preferential terms if you are a bank client, namely:
- You receive a pension or salary on your Sberbank card;
- You have deposits in Sberbank;
- You have taken out a consumer loan from this bank;
- Use a debit card from Sberbank.
In any case, whether you receive a card on general or preferential terms, you must be at least 21 years old and not older than 65 years old, be a citizen of the Russian Federation and have permanent registration in the country.
Advice: This card is very convenient with a large limit, but it is worth considering that Sberbank has a lot of other credit card offers. Therefore, before you decide to apply for Visa Gold or MasterCard Gold, find out more about other products. This can be done in the offices, on the organization’s website or by calling a hotline, which will answer almost all your questions not only about credit cards, but also loans, insurance systems and other requests.
Visa Gold - Sberbank credit card, how to use?
With Visa Gold and MasterCard Gold credit cards, you can perform almost the same transactions as with a regular debit card. You can also store your own funds on it. If you pay with a card for purchases on the Internet and in stores, you will not have to pay a commission. However, it is equal to 3% of the amount, but not less than 390 rubles.
You can top up your card in any way convenient for you. This can be a standard replenishment via an ATM in cash, a transfer from another card, or you can also use any other electronic wallet.
Sberbank Visa Gold credit card - grace period
This card, like the MasterCard Gold card, has a so-called grace period - a period of time during which the bank does not charge interest on the debt. These cards have a grace period of 20 to 50 days, depending on when the reporting period began on it (30 days during which you make purchases on the credit card. Indicated in mobile banking reports). After the reporting period ends, the payment period begins, which is 20 days. During this period, you deposit the remaining amount onto your credit card. Thus, the grace period constitutes the reporting period together with the payment period. If you pay off your credit card debt in full during this period, you can count on no interest being charged.
Plastic cards in “gold” status are a symbol of the privilege of its holder. For this reason, most banks have such cards in their product line. Sberbank is no exception and provides clients with the opportunity to obtain a credit gold card in two payment systems - MasterCard and Visa. The latter is the most common, as it offers favorable lending conditions and other advantages over similar cards from other banks. In this article we will take a detailed look at all the pros and cons of the Sberbank Visa Gold credit card and reviews.
Card design
Holding a gold card is indeed beneficial if you are a wealthy person. Such cards not only make it possible to pay for purchases and services, but also provide additional bonus programs. In addition, the card is beneficial for traveling outside the country, since it is easier to pay with it than to look for an exchange office. In addition, the conversion occurs at a fairly favorable rate. You can also add the “Thank you from Sberbank” bonus program to it. Conditions and reviews of the Visa Gold credit card are of interest to many.
Requirements for the borrower
It is issued with a certain limit of funds as a loan. The bank imposes requirements on the borrower, namely:
1. The client must be at least 21 years of age and not older than 65 years. Russian citizenship is required.
2. Permanent registration in the region where the card is issued.
3. Confirmation of income with a 2-NDFL certificate.
4. The period of work must be confirmed with a copy of the work book.
Application online
The preliminary application can be filled out online via the Internet without leaving your home or office. The form is located on the bank's official website. If the decision on the application is positive, you must contact the bank with documents to issue a card. The received documents will be checked for authenticity by the bank's security service, so consideration of the application may take several days.
There are a lot of reviews about the Visa Gold credit card from Sberbank.
Card service
The bank promotes individual lending conditions for each client who issues a Visa Gold credit card. However, there are approximate tariffs for this product:
1. The loan limit is 600 thousand rubles.
2. Annual maintenance in the amount of 3000 rubles.
3. The grace period for refunds is 50 days.
4. Interest rate - 33.9% per annum.
5. Penalty for late payment up to 36% of the total debt.
These are general conditions; however, when approving a credit card, individual loan parameters are selected. The bank sets the interest and limit on the card in advance. The advantage of bank clients is that they are not charged an annual service fee. Thus, for those who already use Sberbank products, the Visa Gold credit card (according to reviews, the risk of fraud is minimal) seems really profitable. SMS notifications are also provided free of charge.
Use of grace period
Many cardholders do not know all the features of the cash back grace period. If you know exactly the terms of the grace period, you will be able to use the loan without paying interest to the bank.
The Visa Gold credit card provides a refund grace period of 50 days. From the moment the agreement is signed, the first month of using the card is considered a billing period. You can pay for purchases and services within a month. In the next 20 days, you can return the funds spent without paying interest for using the loan. This period is called the payment period.
You need to carefully calculate the grace period so as not to miss the moment of paying the loan. When applying for a Visa Gold card, the agreement with Sberbank will necessarily indicate the start date of the grace period. 30 days after it is the period for using credit funds. Moreover, it does not matter at all which day out of these 30 you started using the card. After this period, you have exactly 20 days to fully repay the debt. Otherwise, after 50 days, the bank will charge interest on the amount borrowed. Reviews about the Visa Gold credit card from Sberbank are mostly positive.
If the holder does not manage to return the funds taken in the first month of the grace period, interest is charged. In this case, the minimum acceptable payment is 5% of the debt amount. The bank promptly notifies clients of the need to pay debts. Another important point is that the grace period is valid only for non-cash payments. That is, when withdrawing cash from the card, you will have to pay interest in any case.
Visa Gold from Sberbank - conditions
It is advisable to use a credit card only for non-cash payments. It is highly not recommended to withdraw cash from it; for this purpose it is easier to apply for a consumer loan. If you withdraw cash from a gold card from Sberbank, you will have to pay a commission of at least 390 rubles or 3% of the amount. In addition, interest will begin to accrue from the next day after the operation.
Thus, if you need to withdraw, say, 10 thousand rubles, then the commission will be 390 rubles. If you withdraw 100 thousand, then a commission of 3 thousand rubles will be debited from the card. If the client’s own funds are on the credit card, a commission will still be charged when withdrawing cash.
Individual lending conditions when applying for Visa Gold are determined by several factors. First of all, the choice of conditions depends on the information provided by the client for obtaining a loan. The higher the income according to the 2-NDFL certificate, the higher the limit you can get and the lower the annual interest rate will be.
Before announcing a decision to issue a credit card, the bank determines all the conditions for the loan individually. It will be easier for those who are participants in the salary program from Sberbank to receive a gold credit card. In this case, the main factor that the bank will pay attention to when making a decision is the borrower’s credit history.
Let's consider the positive and negative qualities of the Visa Gold credit card from Sberbank of Russia.
Advantages and disadvantages
There is a common belief that only a financially wealthy person can get a gold credit card. However, this opinion is wrong. Absolutely anyone can do this, regardless of income. However, before you formalize it, you need to weigh the pros and cons.
The unconditional advantages of the Visa Gold card from Sberbank are:
1. Grace period up to 50 days.
2. Reduced loan rates.
3. Receiving cash abroad.
4. Payment for purchases while traveling.
5. Bonus programs from the bank and payment system.
6. Increased card limit.
7. Online services that are convenient to use.
8. The client is over 21 years old.
9. Free use of mobile banking.
A significant disadvantage of a gold card is its expensive service (this applies to clients who have not received pre-approval from the bank). Also, the disadvantages include the fact that the grace period does not apply to cash withdrawals, as well as a large commission for this operation. The fine for late fulfillment of obligations to repay borrowed funds is also high.
The Visa Gold credit card from Sberbank is access to great opportunities. After all, in this case, not only the financial organization itself offers a lot of advantages. The Visa service also provides additional advantages to the credit card.
The maximum limit on this card can reach an amount of up to 600 thousand rubles. And the first 50 days from the date of purchase there is a grace period for lending. If you repay your loan payments in full within this period, you will not have to pay any fees or interest.
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They will also kindly help if necessary:
- block the card if it is lost or stolen;
- reissue the credit card.
Thanks to the joint work of Sberbank and the Visa payment system, it is possible to receive cash from a credit card at more than 270 thousand points located around the world. Moreover, clients do not have to worry about their safety while abroad: when staying in a foreign country for up to 3 months, they can apply for legal assistance in case of missing luggage or repatriation.
In some cases, borrowers can receive assistance in organizing medical support:
- calling a doctor at your location;
- evacuation;
- providing medical and dental intervention.
Vacationing with a Visa Gold card from Sberbank is a pleasure! Hundreds of companies give additional bonuses when paying for goods and services with this credit card.
Using the Visa Gold card, you can pay for a hotel room, restaurant reservations, transport services and many goods, and it is also perfect for making online purchases
Requirements
All banks require certain data before processing loans and credit cards. They need this to determine the client’s solvency. The company should not provide distorted data: the bank requests only information that it can independently verify.
If falsification is detected, it is unlikely that the application will be approved.
So, for Sberbank it is important that a potential client meets the following conditions:
| Citizenship | Russian Federation |
| Age | The client has reached the age of 21 years old, but not older 65 years old. |
| Registration | Has permanent residence in the country. |
| Job | The client is an employed person. Moreover, his work experience should not be less than 1 year for the last 5 years; and at his current job, his period of employment should not be less than 6 months. |
| Documentation |
|
Conditions
The conditions of the Visa Gold credit card from Sberbank are as follows:
As can be seen from the table, interest rates and service costs vary within certain intervals. This is explained by the fact that the bank is ready to offer more favorable conditions under certain circumstances. For example, in the case of a pre-approved offer.
A promotion with such benefits from the bank is available to the following persons:
- having a salary card from Sberbank;
- using company debit cards;
- those who opened a contribution here;
- who took out a loan.
Advantages
Holders of Visa Gold credit cards from Sberbank will appreciate the following advantages of the product:
- Possibility of using and holding money in an account in domestic or foreign currency.
- The ability to cash out funds and make purchases using the card not only on the territory of the Russian Federation, but also abroad.
- There are no specific overdraft limits. That is, the card holder, if necessary, can withdraw any required amount.
- There is no requirement to make a down payment to the card account. This is done only at the own request of the owner of the credit card.
- There are no fees charged for re-issuing a card or suspending its validity.
- Free invoice processing in force majeure circumstances. For example, when the card holder is abroad and he loses the credit card or its PIN code there. Then, if you urgently need funds, the bank will help you get them. Moreover, for cards of other types such a free service is not provided and in such situations you will have to fork out several thousand rubles.
- Card account reports are provided absolutely free of charge.
- Fast crediting of funds to the card. On average the process will take about 1-3 hours; maximum period – 1 day.
Isn’t such a huge number of advantages a reason to be inclined to choose a credit card from Sberbank?
Additional services for Visa Gold credit card holders from Sberbank
In addition to the many advantages listed above, there are several more.
They are presented as additional features:
- The visa gives its clients various bonuses and privileges. For example, discounts on a certain list of goods from payment system partners, free movie tickets, etc.
- Serving bank clients through a call center 24 hours a day.
- Assistance in withdrawing cash in case of theft/loss of a credit card while abroad.
- Services for remote account management: Mobile Bank, Sberbank Online. They will allow you not only to monitor completed operations, but also to pay for utilities, mobile communications, Internet, etc.
- Autopayment function. Allows you to automatically pay rent charges, fines, etc.
- Additional 3D-Secure protection when making online purchases: secure payment for goods in online stores, making payments for remote services.
- Non-cash payments at ATMs, self-service devices and via the Internet not only within Russia, but also abroad.
- Withdrawal of funds from an account with Sberbank and its subsidiaries located abroad under the same conditions.
- 2 ways to top up the card: cash and non-cash.
- Making payments using card details.
- Linking cards to electronic wallets.
The Visa payment system provides daily support to its customers, and its call center employees speak various languages and can answer questions of interest at any time of the day and anywhere in the world
How to top up
You can top up your credit card in five ways:
- Make a transfer from a Sberbank debit card. To do this, you can use the services of Sberbank Online (there are versions for PCs and mobile devices), Mobile Bank, ATMs or payment terminals of Sberbank.
- By depositing cash into your card account through payment terminals and ATMs that accept cash.
- Make a non-cash transfer from other accounts, including third-party organizations. To do this, you must indicate your full name in the purpose of payment. the borrower, his credit card and account numbers. The payment details indicate the details of the territorial bank that issued the credit card. The maximum translation execution time is 1 business day.
- Using the Visa Direct service. It allows you to transfer funds both in cash and non-cash from any other Sberbank card of the same payment system. To pay, you only need the card number that needs to be topped up. This is perhaps the fastest way to pay off loan payments.
- By visiting any bank branch. To do this, the bank employee is provided with a card or account number and a passport.