What is the interest rate on a Sberbank visa gold card? Advantages of the Sberbank Visa Gold card. The bank's requirements for the client are loyal

Sberbank of Russia offers a huge number of different cards for registration - from simple cards Russian payment system WORLD, up to premium Visa Platinum cards. Each of them has its own undeniable advantages, and we will try to talk about them in our next articles.

Today we will talk about a card belonging to the category bonus, but with a relatively low cost of service - Gold Card from Sberbank.

Sberbank of Russia issues gold cards in three types:

• credit
• debit
• "Give Life" card

Three available payment systems— Visa, MIR and MasterCard. You can also obtain information of interest from a consultant at the department.

Lately, after entering my Personal Area In the remote banking system, many users saw a pop-up window containing a message like: “You have been pre-approved for a gold credit card with a limit of 70,000 rubles.”

We would like to note that this is not some kind of scam, Sberbank makes such offers only to clients who have somehow earned confidence.

If you receive a message or call from Sberbank with an offer to issue a card, do not hesitate to ask the consultant to give his personal employee identification number. If scammers call, it will most likely confuse them and they will simply hang up.

So, in this article we will tell you:

• about the differences between a gold card and a regular one
• advantages and disadvantages
• Let us consider in detail the conditions for issuing credit and debit cards of the Gold category

Differences between a Gold card and a regular card

It doesn’t matter whether you are issuing a plastic card for the first time in your life, or have been using the standard offers of banks for a long time - when the moment of renewal comes, almost every person thinks: “Why not get a gold card?”

For what Do I need a gold card, if I can get a regular one? — this is the question most often asked to a consultant who offers to issue a Gold card when visiting a Sberbank office.

Let's figure it out how is it different? from instant cards and classic cards Visa Classic or MasterCard Standard:

1. Maintenance cost. Gold cards are quite expensive to maintain; for debit cards, the annual service cost is 3,000 rubles. An ordinary classic is 4 times cheaper - about 600-900 rubles. Instant issuance cards MIR and Momentum - 150 rubles per year.
2. Issue of salary cards. Many employees receive wages specifically to the Sberbank card. As part of the salary contract, only classic cards can be issued; this is not possible for gold cards.
3. Appearance. Until now, for many people, the color gold remains something super attractive. Gold cards are issued in the appropriate shade, classic cards are gray, instant cards are blue or with a colored pattern. According to the editors, no one will be surprised by the appearance of the gold card.
4. Premium program. Visa Gold and MasterCard Gold cardholders, along with Platinum cardholders, have access to discounts and bonuses from payment system partners. This is not available for regular classic cards.
5. Service. For premium owners plastic cards, including gold - the service is provided free of charge. For Classic cards— cost 60 rubles per month.

We have listed the main differences so that it is immediately clear do you need such a card or not. Will the cost of servicing cover the bonuses that are available to its holders? Read on.

If you have lost your card or it is stolen, it must be blocked immediately. Read our article on how to do this:

Visa and MasterCard Gold credit cards:

• Card currency: euro, USD, Russian ruble
• Validity: 36 months
• Annual maintenance: for free
• Percentage: 25.9% per annum
• Cash withdrawal fee
• Review period: up to 36 hours
• Additional cards: No
• Required documents: passport

Requirements for the borrower:

• passport of the Russian Federation
• permanent registration
• age from 21 to 65 years

You can find a detailed description of the tariff for these cards.

Visa Gold credit cards “Give Life”:

• Card currency: Russian ruble
• Validity: 36 months
• Annual maintenance: for free
• Percentage: up to 33.9% per annum
• Cash withdrawal fee at Sberbank ATMs: 3%, not less than 390 rubles
• Review period: up to 36 hours
• Additional cards: No
• Required documents: passport

Requirements for the borrower:

• passport of the Russian Federation
• permanent registration
• age from 21 to 65 years
• at least six months at the last place of work

Since December 2016, Visa and MasterCard Gold and Visa Gold “Gift of Life” credit cards are issued only to those clients for whom there is a pre-approved offer. You can find out if there is one for you by contacting a Sberbank branch or the Contact Center.

If you are faced with a choice and still can’t decide which card is right for you, watch the video, which contains a detailed comparative analysis.

Sberbank of Russia offers various banking services to its clients. The most popular among the variety of plastic offers issued is the Sberbank Gold card. The benefits of the product are of interest to many users. It’s worth figuring out why this product is better than the classic version of the card, what additional opportunities it gives its owner.

What are the benefits of the Gold card from Sberbank?

Sberbank clients today are asking the question: what advantages does the Gold card have, what key characteristics does it have? It is worth noting that such a card characterizes the client’s status and financial wealth. Banks always offer this banking product only to the most active depositors and borrowers. The Sberbank Gold card will become an attractive and quite profitable product. There are several reasons for this:

• the client is served at the bank’s call center around the clock;
• funds are protected by an electronic chip;
• the card can be restored after its loss anywhere in the world;
• the opportunity to participate in the program with a set of bonuses “Thank you from Sberbank”;
• It is possible to connect to the “Autopayment” service;
• implementing cost control using " Mobile banking", service "Sberbank.Online";
• participation in various discount programs and privileges from Visa and MasterCard systems is offered;
• many ways to replenish your account;
• benefits of cashless payment worldwide.

The Sberbank Gold card will also be suitable for clients who regularly travel abroad, as they receive additional discounts in restaurants, hotels, air tickets, and other services.

What are the advantages of a Gold credit card from Sberbank?

This financial product can be used for various purposes: payment for goods, services, etc. Their difference also lies in the fact that the consumer can use the volume of borrowed funds, as well as his own resources, and enjoy all the privileges of the product. Sberbank Gold cards are issued in the following categories: Visa, MasterCard.

Basic terms of use:

• The loan amount can be obtained up to 600,000 rubles;
• fee for using funds - up to 33.9%;
• The card will be valid for three years;
• lending period – preferential for 50 days;
• free use of the service " Mobile bank»;
• You need to pay 3,000 rubles per year for the card.

There are three types of gold cards issued by Sberbank:

• MasterCard gold;
• Visa gold;
• Visa gold Aeroflot;
• Visa gold “Gift of life”.

The main difference between these products is that MasterCard and Visa have different bonus programs and certain privileged conditions. You can find out about them on the corresponding official websites. The Aeroflot Gold visa card from Sberbank provides its owner with the opportunity to make purchases and at the same time accumulate miles to exchange them for air tickets. The Gift of Life Gold visa card will allow you to transfer funds to a special charitable foundation. Sberbank will transfer there 0.3% of all funds spent by the client.

How to apply for a credit card?

You can apply for a banking product yourself if the client meets the lender’s requirements:

• has an age of 21 - 65 years;
• registered in the region of appeal;
• has work experience of more than 1 year, and in the last place - more than 6 months.

The form can be filled out at any branch or on the bank’s website. The borrower should visit the office to provide necessary documents: passport, photocopy of it work book, standard certificate 2-NDFL. The application will be reviewed within two days.

The credit limit and rate will be determined by the lender individually for each borrower.

The maximum possible amount for low percentage Only reliable consumers of Sberbank services will be able to receive. For example, these are depositors who receive wages from the bank, respectable borrowers. The main role in the decision-making process will be played by credit history borrower, monthly income.

Terms of use of the card

After issuing and activating a Gold credit card at Sberbank, the consumer has the opportunity to pay with it when making purchases at different retail outlets or in online stores anywhere in the world. Even if the card currency is ruble, you can pay for purchases in any currency with automatic conversion.

It is possible to withdraw funds from a credit card at ATMs owned by Sberbank and others financial institutions. Sberbank will take a commission - 3% (when you need to cash out funds through ATMs, cash desks of Sberbank, its subsidiaries) or 4% (for transactions through other financial institutions). Key difference: the daily limit that regulates cash withdrawals reaches 300 thousand rubles.

Card holders can use credit funds free of charge. The so-called grace period when using this plastic can stretch up to 50 days. During this entire period, the client can return everything borrowed funds without overpaying interest for use. However, you need to remember that this rule does not apply to the cash withdrawal procedure. When withdrawing money, interest will be accrued immediately.

The client will be able to withdraw funds from the credit account even if the credit card is lost in Russia or abroad.

Advantages of a Gold card from Sberbank:

• contactless payment methods;
• good protection;
• large limit available;
• use of free Mobile Banking;
• bonus programs, offers from Visa, MasterCard systems;
• 50 days grace period;
• The card is available to clients of all ages.

Disadvantages of a Gold card from Sberbank:

• it will have a fairly high rate on borrowed funds;
• high cost of annual maintenance;
• quite high interest rate when cashing out funds;
• There is no interest-free period when withdrawing cash.

Sberbank clients have the opportunity to control accounts remotely. It is enough to connect the special service Sberbank.Online to pay bills, as well as the Autopayment service, control the date and amount of the next payment, etc.

Advantages of a debit Gold card from Sberbank

This product is convenient financial instrument to protect your savings. The product will be available to everyone and has a number of advantages. Users have access to all bonuses, bank privileges, Visa, MasterCard systems.

What do you need to get a card?

Anyone can get a debit card from Sberbank more easily than a credit card. It is enough to be a citizen of Russia, over 18 years old, with permanent registration. Sberbank issues cards to citizens of other countries. The decision is made individually.

To apply for a card, contact a bank branch and fill out the form on the website. Proof of income or whether you have a permanent job will not be required. The owner will use in this case exclusively his own funds.

In mode online client fills out an application for Visa Gold; MasterCard can only be issued at a Sberbank branch.

Product owners have the opportunity to issue a number of additional cards. Their user can be a citizen of Russia from 7 years of age. The cost of the service is 2500 rubles. You will need to pay 3,000 rubles for the service, and re-issuing the card will be free.

Advantages, disadvantages of the card

The main disadvantage is the high cost of service, but otherwise the card has advantages:

• receiving discounts from Sberbank partners;
• 24/7 hotline;
• high level of savings protection;
• the ability to use funds in Russia and outside the country;
• possibility of receiving additional card(loan products do not have this option);
• Emergency withdrawal of funds is possible due to loss or theft of the card.

Owners of the product note that it is expensive, and therefore issuing such a card is not economically feasible.

There is an unlimited overdraft facility for gold debit card holders.

How to apply for and use a Sberbank gold card absolutely free?

Not everyone will want to register this map due to its expensive maintenance and high rates. The bank has provided free registration and service for regular customers.

Sberbank’s special loan offer involves a reduced interest rate of 17.9% - 23% per year.

The offer is sent to clients personally if they receive their salary through Sberbank, have deposits, or have previously used loans. You may receive such an offer by letter, SMS, or call.

To receive a Gold card from Sberbank completely free of charge, you need to wait for a special personal offer, come to the bank, and provide the required package of documents. You will need income certificates confirming your permanent place of work (salary clients will not need it).

Co-branded gold cards

Among the Gold cards from Sberbank there are co-branded ones, such as: “Give Life”, “Aeroflot”. These products can also be ordered by special offer Sberbank.

The “Gift of Life” plastic card allows its owners to help a charitable foundation. Sberbank transfers 0.3% of all funds you spend here. The loan rate on this card ranges from 25.9% per year. Annual maintenance - from 0 to 3500 per year. Cards only from the Visa system are available. The client gets the opportunity to learn and evaluate the benefits of Visa Gold from Sberbank. Information on the payment system website.

A joint card with Aeroflot - for those who regularly use the services of a partner company. Sberbank clients can use the card, receive and exchange bonus miles for air tickets. Annual card maintenance is 3,500 rubles, the rate for using a loan for this product is from 25.9%. Moreover, all these joint program cards are provided by the Visa system.

There is no free service available with Visa and Sberbank Gold Aeroflot cards.

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Sberbank willingly provides honorary clients with a Visa Gold card with favorable terms of use. The line includes debit, credit and salary cards. What are their advantages, and what opportunities become available? We'll talk about this in the article.

Every adult citizen of Russia can enjoy privileges and have a Visa Gold status card from Sberbank. Persons over 21 years of age and under 65 years of age have the opportunity to apply for a bank credit limit.

Clients served under the affiliate program and receiving wages on a Sber card, according to at will can request gold plastic for these purposes and become full users of the privileged system.

Online application on the website

To apply for a debit product, just go to the website and fill out a simple form. Provide personal information and wait for a response from the bank.

Application in the Sberbank system online

Persons serving under a salary contract can go to Sberbank online and submit an application in the system. The procedure is as follows:

• Log in to your personal account and select the appropriate product;
• Indicate in the form a valid contact telephone number, residential address and registration;
• Indicate the desired credit limit (if you need to get a credit card);
• Confirm sending the application via SMS.

The response to the application according to statistics comes within 1-2 days. Receiving the plastic itself in 2 weeks.

Office decoration

At any Sberbank branch you can get a gold card using a Russian passport. Debit - opens to everyone who wants to receive it. The procedure is extremely simple, it is enough:

1. Contact the bank;
2. Present your personal passport;
3. Sign a plastic production contract.

Those who are offered an individual pre-approved loan can receive a credit gold card:

• there is a transfer of wages or pensions to a Sberbank card;
• there is a bank debit card;
• deposits were placed in Sberbank;
• consumer loan issued.

For a gold credit card, it is important to confirm income with a bank certificate or Form 2-NDFL. The decision to issue a loan is influenced by the applicant. When it is positive, there are no problems in receiving it and available limit cards are constantly growing.

Advantages and disadvantages of Visa Gold debit cards

The Sberbank debit card was created to make making purchases and money transactions more convenient. The benefits of the offer save time and money for the user. Another pleasant point is the small list of minuses found.

List of available advantages:

• increased limit of transfers per day - up to half a million;
• the limit on cash withdrawals has been increased to 600 thousand rubles;
• service life - 3 years;
• discounts and priority services from the Visa payment system;
• preferential cash withdrawal abroad + in case of loss of plastic, you can urgently receive money outside the Russian Federation;
• 24-hour service;
• simplicity of design;
• emphasizing the status of the owner;
• connection to electronic wallets such as Yandex is available. Money.

Flaws:

• The cost of annual servicing of a Sberbank gold card is 3 thousand rubles
• It is not possible to make a duplicate plastic card for a valid account if the plastic card is lost or damaged. New map- new account.
• Lack of Cash-back

Important! There is one more feature of Sberbank products, which some consider a disadvantage, while others consider it an indisputable advantage - the payment security system. Such a system sometimes blocks operations that it considers “doubtful.” On the one hand, this can serve as protection against fraudsters, on the other hand, it will delay the transfer time.

Pros and cons of a gold card credit card

In addition to maintaining the status of the owner, plastic in gold has an impressive range of useful advantages, and customer funds are additionally protected by a security chip and 3D-secure technologies (Verified by Visa and MasterCard SecureCode).

The advantages of a Sberbank gold credit card include all of the above for the debit package, plus profitable terms using a credit card:

It is important to know:

• If you correctly report the time of the credit limit, you can use the loan without %. To track the grace period, there is a calculator on the official website of Sberbank.
• Men under 27 years of age must provide a military ID
• The credit card is issued with a customized Cash-back system.

Disadvantages of a Sberbank gold credit card:

• late fees;
• If the terms of the loan contract are violated, the data is sent to the credit bureau.

The list of shortcomings is not long. An application for registration of such plastic can be submitted at any Sberbank branch.

Gold salary card

The level of service provision for gold visa card holders from Sberbank is an order of magnitude higher. The option of obtaining a credit limit is also very attractive. This opportunity is easily available to the bank’s payroll clients. They have the option of choosing both debit and credit cards. For client's salary the “Overdraft” service is activated - a revolving loan.

Employees receive the Visa Golg gold salary card:

• have worked in the same company for at least a year;
• applicants must be clients of Ssberbank.

Documentation:

• Russian passport;
• signed bank application form;
• second document (SNIILS, driver's license);
• work record book or employment agreement (employment agreement, contract).

Important! All documents must be submitted in originals; copies are not accepted.

Golden salary card in addition to the privileges specified for debit and credit services, has one important bonus: The credit limit is set individually for each employee and may be lower than for holders of such plastic not under a corporate contract.

Employees of partner companies specifically note the ease of using the card on business trips abroad. There are no problems with withdrawing money (optimal conversion of funds into the currency of the host country) or using a loan using a card.

Bonuses from partner companies are available, for example:

• discounts on car rentals from Hertz;
• discounts in thousands of markets around the world;
• Countdown Program Membership;
• online shopping with a payment protection system.

In the personal account for Sberbank gold visa card holders, the functionality has been significantly expanded. Cash withdrawals from such cards are possible at any ATM of absolutely any banking organization.

General options

All holders of any form of gold card visa can:

• manage your account and transactions through remote services" and "Sberbank Online";
• ", for example, to pay telephony or utility bills;
• make purchases by bank transfer and make payments for services at ATMs and online in the Russian Federation and abroad;
• receive cash in the Russian Federation and in subsidiary banks abroad on equal terms;
• conduct payment transactions using card details (by e-mail or telephone).

Sberbank has a separate status in Russia, and it willingly shares its capabilities and partnerships with honorary gold clients.

Video review of the Sberbank gold card:

Credit card from Savings Bank is a type of bank loan available to regular customers and others who meet certain requirements. This financial instrument provides a number of benefits, bonuses and privileges. The conditions for using a gold credit card from Sberbank are suitable for most people, but we still recommend that you read the statement of some requirements and obligations in our article before signing the agreement.

Conditions of registration

To obtain a status instrument for a loan product, simply leave a request at the nearest bank branch or submit an online application.

The next step is to visit credit institution, providing a standard set of documents for consideration:

• passport;
• a copy of the work book certified by the employer;
• certificate 2-NDFL;
• military ID for men;
• in some cases, TIN of the employing organization.

A request for a Sberbank gold credit card is approved if the candidate:

1. is a citizen of the Russian Federation;
2. has a permanent job;
3. has been employed at the current workplace for at least a year (for participants in salary projects - six months).

Preference is given to persons:

1. aged from 25 to 65 years;
2. those receiving wages above the regional average;
3. who are clients of Sberbank;
4. having a good credit history.

Important: when considering an application for a card, the issuing bank has the right to request information about the client’s assets. The information obtained may be decisive in making the final answer.

Terms of use

If there is a bank letter of offer to open a gold credit card with a pre-approved limit, the borrower can become its owner under special conditions :

• no service fee in the first year of using the loan;
• reduced rate varying between 25.9%.

Normal conditions:

1. The gold credit card is valid for three years and is then reissued.
2. The account is opened in rubles.
3. Types of Sberbank credit cards: visa gold and mastercard gold.
4. The cost of maintenance varies from 0 to 3000 rubles per year.

1. The card limit does not exceed RUB 600,000. and is calculated separately for each client.
2. There are promotions, privileges, discounts, as well as the “Thank You” bonus accumulation system of Sberbank.
3. Thanks to the built-in electronic chip, the card is under special protection.
4. If it is lost abroad, you can make an emergency withdrawal Money.
5. Cash issuance in Russian and foreign branches is carried out under the same conditions.
6. The grace period is 50 days, during which free use of credit funds is possible. This item is relevant only for non-cash transactions.
7. The interest rate is determined individually based on the client’s solvency, his credit history and the presence of other banking products. Its value ranges from 23.9% to 27.9%.
8. The monthly payment amount is 5% of the debt amount. The deadline for its payment is 30 days from the date of the debit transaction.

Non-cash payments

You can pay with a credit card:

• goods in the store if there is a payment terminal, including contactless payment by card in one touch;
• online orders protected by a code from SMS confirming payment;
• Using only a smartphone, you can make purchases with one touch, to do this, install the Pay (Apple), Samsung Pay and Google Pay (Android) application.

Important: if the owner’s name and surname are not on the card during payment in the online store, this data is indicated in Latin.

Receiving cash

Cash withdrawals from a credit card account are available at Sberbank branches and ATMs, as well as at ATMs and terminals of other credit institutions.

In the first case, the commission for receiving will be 3%, in the second - 4%.

The minimum cost of the service is 390 rubles. Therefore, it is more profitable to use a card for non-cash payments.

No interest or arrears

In order not to miss the end of the grace period, it is important to remember the reporting date on the card. If the report date is August 20, then the interest-free period is counted from the 21st. Funds spent on August 21st must be deposited within the next 50 days, that is, by October 10th. Otherwise, interest will be charged on the amount used. When making a purchase, for example, on September 8, the duration of the period will be equal to 32 days remaining until October 10.

Important: a common reason for grace period violations is ignorance of the reporting date. You can find out this information:

• from a message received by email on the day following the reporting date;
• in your personal account by selecting “card information”;
• in the Contact Center by calling the toll-free number.

How to find out the amount of debt

The bank regularly sends SMS containing the total debt balance, the amount of the current payment and the date of its payment. It is enough to transfer funds to the account in accordance with the requirements of the bank to avoid delays. You can also check the amount of debt by contacting the Contact Center or in your electronic account.

What to do if there is no SMS notification

1. Check your card’s connection to the Mobile Bank service by logging into your personal account or sending the message “06” to 900.
2. Free up phone memory.
3. Contact your operator's customer service to clarify the serviceability of the SMS center.

Credit limit

To obtain information about the size of the credit limit you must:

• check your ATM balance;
• send a message with the following content: “BALANCE XXXX” to number 900, where XXXX is the combination of the last digits of the card number;
• use the Sberbank online service by selecting the appropriate tab.

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 issue 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 - period of use 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 issue 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 credit card contains own funds client, a commission for withdrawing cash is still charged.

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. Getting a gold credit card will be easier for those who are members salary program from Sberbank. 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 credit Visa cards Gold 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.