Credit card visa terms of use. What opportunities do holders of a Sberbank Visa Classic card get? How to top up your card account

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

Card Visa Classic- this is one of the most popular plastic cards, which is used by thousands of clients. It is easy to use, does not require large expenses for maintenance and gives access to many services provided by the bank, including on the Internet (we are talking about the Sberbank Online system).

Today, the bank offers its clients two options for receiving such a card product: a debit program and a credit program. Below you can read a detailed description and tariffs regarding this offer.

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

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,
• The account currency can be in rubles, dollars or euros,
• there is protection by an electronic chip,
• there is the possibility of additionally issuing 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 get access to Internet banking “Sberbank Online”, activate the service “ Mobile bank", download the mobile application and manage your account remotely.
3. wire transfers, payments and much more.
4. it is possible to pay for services in foreign online stores,
5. linking the 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 at.

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

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

• It has credit limit 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.
• annual service cost – up to 750 rubles. annually. If there is a special pre-approved offer, then the service fee will be 0.
• electronic chip protection,
• Additional cards cannot be issued.

It is possible to apply using two documents; proof of income and a certified copy of the employment record are required. There is access to all services as in the debit version. It is possible to register online, to do this you need to follow the link.

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

Various discounts are available for card holders and special offers from a group of partner companies, in particular participation in the “Thank you from Sberbank” bonus campaign.

Let us remind you that “Thank you” are special points that are added to your card for paying for goods and services with its help. depends both on the company itself and on the purchase price. These points can be used to pay up to 99% of the purchase price.

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

In the 21st century, it is difficult to meet a person who does not use bank cards. Russia's largest issuer, Sberbank, offers a wide range of payment instruments with or without a credit limit. The Visa credit card, which Sberbank positions as the optimal and comfortable means for carrying out a wide range of financial transactions, is of great interest to Russian citizens. The most popular is the Classic type, which gives holders a wide range of possibilities.

Credit Visa Classic is a card that can be used to pay for goods from real and online stores not only in Russia, but throughout the world. It is suitable for making payments for services provided, sending transfers and other purposes. This is a full-fledged means of payment that performs the function of a wallet.

Since we are talking about a credit card, all the costs described above are borne by the bank. The holder’s task is to repay the debt on time, that is, to fit into the grace period. In this case, you will not have to pay additional interest on the amount spent.

Classic is a banking magic wand that allows you to make your dream come true not in the future, but right now.

The credit limit for the product described, if we are talking about a standard mass offer, is 300,000.00 rubles. An individual offer for trusted clients can be as high as 600,000.00 rubles.

Differences between credit cards and debit cards

Credit Visa Classic has a debit counterpart. In order for you not to confuse two completely different means of payment, let’s look at their differences. The described plastic differs from its debit counterpart in the following:

• in addition to an identity card, when submitting an application you must provide documents showing that the borrower is employed and has a stable income;
• To obtain plastic, a good CI (credit history) is required;
• When withdrawing cash from self-service machines, the bank always charges a commission percentage;
• the amount of the loan is affected by the applicant’s position and the amount of monthly income;
• The plastic is always personalized; in some cases, in addition to the full name, there may be a photo of the holder on it.

Conditions of receipt

In order to become the owner of the described plastic, you need to meet the requirements of a financial institution:

• lower age limit – 21 years;
• upper age limit – 65 years;
• having citizenship of the Russian Federation;
• registration must be completed in the city of application;
• Full time job;
• at the last place of employment, at least six months of experience;
• good CI.

These are Sberbank’s requirements for borrowers. Failure to meet one of the listed conditions will result in refusal.

Registration and necessary documents

If you meet the requirements of Sberbank and want to receive the described credit card, the first thing you should start with is writing an application. There are 2 ways:

• go to the office and coordinate the issue with the service employee, get help from him in filling out the application;
• independently fill out and send an application in the Sberbank Online service.

The bank will need the following documents to make a decision:

1. Identification.
2. Copy work book, which must first be certified by the employment company. The document will be valid for a month.
3. Personal income tax-2.
4. Entrepreneurs must document their status and show how much income they receive monthly.

The contents of the package of documents depend on whether the applicant is a client of Sberbank. The list is relevant for those who first decided to open an account with a financial institution.

Salary clients do not need to prove employment or show income.

When it comes to borrowing large sums, Sberbank imposes additional requirements on clients:

• The length of service within the past 5 years must be at least 1 year;
• if a pensioner does not receive payments through Sberbank, he should contact the Pension Fund branch and obtain a certificate of the amount of pension to present.

Using the card

For holder credit card it is important to learn how to use this analogue correctly Money. Remember that plastic is a loan that must be repaid in a timely manner. Minimum monthly payment for Visa Classic must be at least 5% of the amount spent.

If you deposit less than 5% or do not deposit anything at all, Sberbank will impose penalties in the form of 36% per annum on the amount of the debt.

Conditions for withdrawing cash

Even though withdrawing cash from a credit card is unprofitable, you may find yourself having to do so at any time. This option is available and can be implemented using terminals, ATMs and cash desks of financial institutions. The commission will be 3% of the withdrawn amount. You are allowed to withdraw at least 390.00 rubles.

Fees and interest rates

In user reviews you can find out that the Visa Classic credit card is one of the most advantageous offers financial market. The numbers that characterize it “speak” about this:

• daily withdrawal limit – 50,000.00 rubles;
• the above 3% for cash withdrawals is lower than the similar tariff of competitors, which is 4%;
• you can apply for a credit limit in the amount of 15,000.00 to 600,000.00 rubles, the amount depends on the relationship between the bank and the client;
• service price – 750.00 rubles per year, if the client received a personal offer – 0 rubles;
• annual loan interest - 25.9%, which you will pay only if you do not meet the repayment deadline Grace period.

Sberbank issues a credit card, which in many respects is ahead of similar products issued by other financial organizations.

Terms of loan repayment and card closure

The grace period for a credit card is 50 days. It is divided into 2 periods:

1. Accountable – when you can spend money within the limit provided to you. Lasts 30 days.
2. Settlement – ​​when you need to return what you spent partially or completely. Lasts 20 days. Together with the billing period, the next reporting period begins.

You can pay off your credit card debt:

• using the Sberbank Online banking service;
• in the application for mobile devices;
• in self-service machines of both Sberbank and other financial institutions;
• at the bank's cash desk.

It is important to do this on time. You can also find out the amount of debt in the listed services.

If you intend to completely close your credit card, you need to not only pay off the debt and stop using plastic, but also go to Sberbank, write a statement and return the payment instrument to the issuer for destruction.

Card service cost

The credit card is issued for 3 years. During this period, you will have to spend 2,250.00 rubles for its maintenance, that is, 750.00 rubles per year.

The amount is debited by the bank automatically at the beginning of the year, in the month when the plastic was issued to the holder.

How to manage the card? Methods

You can manage your payment instrument using 2 services:

• Internet banking;
• mobile application.

Both options allow you to control the balance, check expenses, make payments and repay debt to Sberbank.

Additional features

We recommend that you immediately connect to the Sberbank bonus program “Thanks from Sberbank” after activating your credit card. It will allow you to receive cashbacks for purchases made and participate in promotions of financial institution partners.

Classic Visa cards from Sberbank have been in constant demand among Russian citizens for many years. Products of this type characterized by simplicity of design and favorable conditions. In particular, Visa Classic have the lowest annual service cost compared to other Sberbank plastic products (all Sberbank cards). You will learn about what types of classic Visa cards are divided into and what parameters they are characterized by from this material.

What are the classic Sberbank cards?

Currently Visa cards Classic from Sberbank are presented in two types:

• Debit. This is a payment instrument designed for saving and paying from personal funds. Eg, wage the client is most often transferred to this card, that is salary cards always debit.
• Credit cards provide the consumer with the opportunity to use borrowed money from the bank at interest. But there is an advantage - a grace period. The period during which you can use bank money without interest. The main thing is to replenish your balance on time. Sberbank credit cards have a grace period of 50 days.

Let's look at these products in more detail.

Classic Sberbank Visa debit card

Debit classic Visa card from Sberbank is available for registration to Russian citizens who have reached 18 years of age and live in the Russian Federation. The product is available in standard and custom designs. In the latter case, the client will have to pay an additional 500 rubles for individual design.

Basic conditions

Conditions for providing Visa Classic debit type:

• Issue - free;
• Cost of annual maintenance: first year - 750 rubles, subsequent years - 450;
• Additional individual design - 500 rubles;
• Issuing an additional card is free, but the cost of its annual maintenance is 450 rubles per year.

You can make transfers from a Sberbank debit card in any convenient way. It can also be paid abroad.

On a note! Remember about conversion. In Europe, rubles (if you pay with a ruble card) will be converted first into dollars, and then into euros, which is not entirely profitable. You can avoid losses by issuing a card in the required currency or at least payment system Mastercard.

Additional options

Holders of a classic Sberbank debit card can connect to the “Thank You” bonus program from Sberbank and receive 0.5% of the check amount to a special bonus account. When making purchases in the project’s partner stores, up to 20% of the amount is returned to your account. This is a form of cashback.

The client will also have access to additional services such as Sberbank Online and Mobile application. Registration and operation are free.

You can also activate the additional option Mobile Banking - this is a paid SMS information service, which also makes it possible to perform a number of operations, such as:

• checking card balance;
• transfer of money to a Sberbank client;
• mobile phone account replenishment;
• connecting and deactivating the “Automatic payment for telephone” service.

Price Mobile banking depends on the chosen tariff - 30 rubles per month - “Economy” and 60 rubles. - "Full".

Cash withdrawal

Cashing out classic card Sberbank Visa option using an ATM or at the bank's cash desk. No commission is charged if you withdraw no more than 150,000 rubles from an ATM or Sberbank cash desk during the day. Per month - up to 1,500,000 rubles.

If you need to withdraw a large amount from your card, contact a Sberbank branch with your passport and the plastic product itself. For amounts exceeding the established limit, a 0.5% commission is charged.

When cashing out through self-service devices or cash desks of other banks, the commission is 1%, but not less than 150 rubles.

Classic Sberbank Visa credit card

You can get a classic Visa credit card from Sberbank individuals over the age of 21.

Sberbank does not issue credit cards from the age of 18!

You can order a card issue just like in the office financial structure, and via the Internet in personal account, if you are already a client of a financial structure. If, you need to go to the bank with your passport and pick up the plastic. The necessary additional documents will be announced over the phone or sent in a list to the e-mail specified in the application form.

Conditions

The Sberbank Visa credit card is characterized by the following parameters:

• release is free;
• The maximum credit limit amount is RUB 300,000. (for mass supply) and 600,000 rub. (according to individual conditions);
• interest-free loan period – 50 calendar days;
• annual interest rate – from 27.5%;
• cost of service - free;
• validity period – 36 months.

Additional features

Holders of a classic Sberbank credit card can also join the bonus program “Thank you” and receive 0.5% from the bank or up to 20% from partners for each purchase, provided the spending was in their stores, pharmacies, gas stations, etc.

Holders of a classic credit card from Sberbank can register for free in their personal account or Mobile application, after downloading it to your phone.

It is also recommended to activate the SMS notification service so as not only to be able to check your balance or pay for your phone (any transfers from Sberbank credit cards are prohibited!), but also find out the amount of debt.

To check the amount of debt on a Sberbank credit card, send an SMS with the word “DEBT” to number 900. if you have several cards linked to one number, indicate after the word DEBT XXXX - the last 4 digits of the card number.

Quick application form

Fill out the application now and receive money in 30 minutes

Working with its clients as a lender, Sberbank offers the use of cards with a revolving credit line. To achieve this, the bank offers a range of products, for example, classic and. As part of this article, read about the product “Visa Classic Sberbank credit card". The conditions for using plastic are practical for every potential client.

Terms of Use

If you have already dealt with credit cards, you should not have any difficulties using Visa Classic. Having used a loan, you must deposit 5% of the loan amount, but not less than 150 rubles, into the card account every month.

If you do not meet the grace period, then in addition to the obligatory payment, for each next month you need to pay a percentage of the amount of the current debt.

The annual interest rate depends on the conditions under which it was opened.

If you haven't paid obligatory payment on time and fall into arrears, the bank will levy a fine in the amount of 36% per annum of the amount of the loan taken.

You can deposit money into your credit card account in any convenient way, including through Sberbank Online and mobile banking.

Possibilities of Visa Classic

The standard features of bank cards are well known to everyone: secure storage of funds, non-cash payments, you can withdraw money, top up your balance, make transfers, pay for various services, manage your accounts remotely via the Internet.

In addition, the visa card has many additional useful and pleasant functions:

• participation in the “Thank you from Sberbank” program and the opportunity to accumulate bonuses that can be used to pay in stores;
• 24/7 customer support service, where you can ask questions at any time and receive a qualified answer from specialists;
• transactions via the Internet are carried out with an additional protection system using special 3D-secure technology;
• “Autopayment” service, by activating it for free, you can forget about monthly payment of various bills and making transfers. If necessary, money is debited automatically;
• service abroad. Outside our country, you can also withdraw cash and pay for purchases non-cash;
• if the card is lost abroad, an emergency cash service is available;
• the ability to link your account to any electronic wallet to simplify the withdrawal of funds via the Internet;
• participation in bonus programs and promotions from the Visa payment system. By actively using the card, you can receive good discounts on purchases as part of special offers.

The classic visa card comes in debit, credit and salary cards. To receive it, you need to submit an application and wait for approval. According to customer reviews, it is produced quite quickly, within 7 – 10 days. After receiving it, you can immediately start using it.

Cash transactions

To top up your Visa Classic card, you can use a terminal.

Sberbank does not charge its clients a commission when depositing money through the system's ATMs.

Foreign currency accounts will be replenished at the current bank rate.

Clients have two options for non-cash replenishment - money can be sent by transfer from their bank account or from the account of another individual or legal entity.

Transfers of funds from an electronic wallet are also available. However, in this case, the transfer currency must necessarily match the card currency.

All cash withdrawal operations in the region where the Sberbank branch that issued the plastic card is located are carried out without commission. In other regions (or at ATMs of other financial institutions) a commission may be charged. Accurate information about the amount of the commission can only be obtained at the place where the money is cashed out.

The following limits are set for debit card transactions:

1. Cash withdrawal through an ATM: no more than 1.5 million rubles per month and no more than 150 thousand rubles per day.
2. Cash withdrawal through the cash register: no more than 50 thousand rubles per day.
3. Cash acceptance: no more than 10 million rubles per month.

The bank charges a commission from clients in the following situations:

1. When cashing out in excess of the limit - in the amount of 0.5%.
2. When cashing out at ATMs of other banks - in the amount of 1%.
3. When transferring money to an account through another bank - in the amount of 1.25%.

Rates

For easy viewing, tariffs for the Visa Classic card are shown in a table.

*Service of 0 rubles and an interest rate of 25.9% may be part of a special offer from the bank for its clients.

Read also:

How to get a?

To receive a Visa Classic credit card on a general basis, you must meet the following requirements:

1. The client must be a citizen of the Russian Federation.
2. Age limit: from 21 years to 65 years inclusive.
3. Permanent registration on the territory of the Russian Federation.
4. Work experience (total) of at least 1 year (for a period of 5 years) and period of work at the current place of at least 6 months.

Advice! As part of a special offer for Sberbank clients, the last 2 requirements may not be taken into account.

To apply for a card:

1. Come to the Sberbank office.
2. Provide it to the manager.
3. Apply for a credit card.
4. An application to set a credit limit on an opened account is reviewed within 2 business days. You will then receive a response regarding the solution.

Advice! The plastic will be issued to you within 15 minutes and you will be able to use it like a debit card.

To issue a card as part of a special offer, you must fulfill at least one of the following conditions:

• receive a salary project or pension on a Sberbank card;
• actively use a debit card;
• have deposits in Sberbank;
• have an issued consumer loan.

To find out if there is one for you special offer with reduced interest rate from the bank:

1. Leave it. If the bank has an offer, you will see it immediately.
2. With your passport, contact the manager at the bank branch. Ask him about the special offer.

How to ensure the safety of your money?

The standard Sberbank Visa Classic debit card is quite safe and easy to use. However, the bank always recommends not to share her data with third parties, either in person or over the phone.

This will protect the user from any possibility of theft of funds. It is also worth remembering that Sberbank employees will never ask you to provide access passwords to Internet banking. Anyone who approaches you with such a request is a scammer trying to steal money.

If you lose your card, you should immediately contact the bank. When traveling abroad, it is not recommended to keep a large amount of funds on your card account.

It is better to place savings in an account and, if necessary, transfer them to a card using Internet banking or mobile banking.

What does Internet banking allow you to do?

When you receive the card, you should activate the Sberbank Online and Mobile banking services. They allow you to perform any financial transactions on your accounts from your computer and phone (using messages and commands).

For example, through Internet banking you can control your account status, make payments and transfers.

Important! Sberbank Online allows you to interact remotely with bank representatives, submit applications for a loan or issue a new card.

If you are already a client Savings Bank, an application for issuing a debit card can be written online. To do this, just visit the website, select the desired type of plastic and fill out an online application.

MasterCard Standard card – a credit card with an optimal set banking services and attractive cost of service. 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
• Service fee 750 rubles per year
• Card validity period – 3 years

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

Additional options

The card is protected by an electric chip. Additional cards not released. There is an emergency cash service in case of card loss abroad. "Autopayment" for payment cellular communication, housing and communal services and other services. The “Thank you from Sberbank” program is in effect.

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 over 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 Sberbank branch or submit an application online. If an offer is ready for you, you will immediately see the approved credit limit and preferential terms. The card will be delivered to the branch of your choice. It takes 15 minutes to issue and issue a credit card based on a pre-approved offer.

Minus: Transfer between your accounts: from debit cards to a credit account in the system can take place within 24 hours. Not a very convenient solution.

Reviews

I have a Visa Classic credit card from Sberbank, I’ve been using it for more than a year, so far I have only positive opinions. I issued a card at the nearest bank branch, I provided only my passport, since I am the holder of a Sberbank salary card, no other documents were required. The card was issued on the same day. It’s convenient to pay for purchases, plus there is a grace period, you receive an SMS every month with the amount you need to pay, it’s 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, since this is the most reliable. There are no hassles or difficulties in using the card, as well as no risks, the protection is at the highest level. I have the same youth card, With annual service 150 rubles per year. The first year the service was free. I mainly use the card to pay in online stores.