Many holders of Gold cards from Sberbank noticed the rapid accumulation of bonuses Thank you before they knew about the increase in the percentage of accruals.
Shopping in supermarkets has become 2 times more profitable, meetings in cafes - 10 times more!
The terms of the loyalty program apply to both existing and new customers. Let's take a closer look at them and other possibilities of gold plastic.
What is a gold card?
Plastic products of the leader of the Russian market are divided into 3 levels:
- classic;
- gold;
- premium.
Classic represents the standard set of features required to use it instead of cash.
The terms of service for premium products are largely determined by payment systems.
Gold belongs to the level of service, which in some countries is called "advanced opportunities". In Sberbank, these are increased limits, cashback, and Visa also has customer support while traveling.
How is it different from normal
Let's compare the main characteristics. In comparison, let's take a gold and a classic card without preferential terms, advanced or simplified features:
| Classic/Standard | Gold | |||
|---|---|---|---|---|
| Debit | Credit | Debit | Credit | |
| Maintenance cost in the 1st year, rub. | 750 | 750 | 3000, opened before 05/31/18 - 1500 | 3000 |
| For each subsequent year, rub. | 450 | 750 | 3000 | |
| Reissue through the fault of the holder, rub. | 150 | 0 | ||
| Loan rate | - | 27,9% | - | 27,9% |
| Credit limit | - | Up to 300 thousand rubles. | - | Up to 300 thousand rubles. |
| Total Daily Maximum Cash Out | Missing | 150 thousand | Missing | 300 thousand |
| Extradition fee in foreign countries for plastic problems | 6 thousand rubles for each operation | Missing | ||
| Bonus accrual | According to the general rules of the program | Opportunity to receive promotions | ||
| Mobile bank full version | 60 rubles/month | Is free | ||
What does she give?
Gold of Sberbank performs the main functions of a means of payment: payment, transfers, cash withdrawals, and additional opportunities for the holder:
- increased limits for cashing out, transfers;
- reissue without commission;
- free cash withdrawal abroad in case of loss or malfunction of plastic;
- increased cashback.
How much money can be withdrawn per day?
From debit:
- at an ATM and cash desk of Sberbank 300 thousand rubles;
- in the terminals of other organizations 300 thousand rubles;
- Sberbank does not set a limit at the cash desks of third-party organizations.
From credit:
- total limit of 300 thousand per day;
- through the terminal of Sberbank 100 thousand;
- through its cash desk, third-party ATMs and cash desks - 300 thousand rubles.
Limits
See the previous section for the most up-to-date daily limits. Let's list the rest.
For debit Gold:
- receiving cash through Sberbank per month - 3 million rubles;
- there is no general monthly limit, if necessary, you can contact a third-party bank;
- maximum cash replenishment - 10 million per month;
- there are no limits on transfers through the cash desk of Sberbank;
- transfers through mobile and Internet banking, terminals are limited to the amount of 301 thousand rubles. per day;
- emergency issue for plastic problems abroad is limited to the available balance, as well as 5 thousand US dollars.
Limits on gold credit cards:
- there is no monthly limit on cashing out;
- the credit limit is considered individually, for pre-approved products its maximum amount is 600 thousand rubles, on a general basis - within 300 thousand rubles;
- in case of loss and damage of plastic abroad - a maximum of 5 thousand US dollars, within the limits of funds available on the card;
- You can deposit in cash up to 10 million rubles. monthly.
What's the catch?
The product is useless for those who:
- does not need increased limits for cashing out;
- unlikely to end up abroad without funds, except on a Visa/MasterCard;
- spends less than 15 thousand rubles a month with non-cash payments in stores.
Cashback and discounts
Paying with plastic in stores in the amount of 15 thousand per month, you get an increased cashback from Sberbank throughout the next month. For amounts less than 15 thousand accrual according to the general rules of the program, not less than 0.5% of the purchase.
Sberbank bonuses can be spent on goods and services of program participants. There are several dozen of them. Points are awarded and accepted under different conditions.
Visa customers receive discounts from system partners in all countries - in hotels, outlets, tour companies, car rentals and other sellers of tourism topics.
Among the partners of MasterCard are network cinemas, shops, restaurants. You get discounts by paying with MasterCard at the checkout. Holders can connect cashback and exchange it for numerous online store certificates.
MIR is a young system without partner loyalty programs. As an encouragement, participation in the action is offered, the winner of which receives a million rubles.
Find out the current lists of partners and promotions on the websites of payment systems and the bank.
Are there free cards?
Sberbank clients who have proven their reliability receive offers to issue a loan product without paying annual maintenance. It can be Visa or MasterCard. MIR is not represented in the segment and is not among the pre-approved offers of Sberbank.
Sberbank gold card line
Debit Gold works in Visa, MasterCard, MIR systems.
Visas and MasterCards are issued in credit. They are served at 2 rates: pre-approved (preferential) and mass offer.
Co-branded and charitable Visas have specific bonuses. Details below.
Visa
Holders receive the benefits of gold plastic from Sberbank. The payment system offers a service available in most countries of the world:
- free technical support;
- discounts from partners;
- medical and legal support.
The last service includes:
- remote consultations of doctors;
- organization of treatment, including hospitalization, repatriation, evacuation, transportation of remains at the expense of the client or his relatives;
- legal advice on obtaining a visa, vaccination in the country of travel, finding lawyers, translators.
Standard
A common and basic type of banking gold products. The features of operation and maintenance that we reviewed earlier are typical for.
Aeroflot Gold
The co-branded product was developed in cooperation with the air carrier specifically for regular travelers. Differences from the standard Golden Visa:
- the cost of servicing is 3,500 rubles per year for debit and credit, on a general basis and pre-approved;
- bonuses from Sberbank are accrued only from partners of the Thank you program;
- holders receive cashback for all purchases in miles, which can be exchanged for goods and services of Aeroflot and its partners;
- allows you to enjoy the privileges of the SkyTeam alliance.
With frequent flights, the benefit from is many times higher than from other cards.
"Gift a life"
The terms of service for the joint plastic of Sberbank and the charity fund are similar to the usual gold product, with the exception of the cost:
The Bank transfers the following funds for the treatment of seriously ill children:
- half of the amount paid for the 1st year of service;
- from the owner's account 0.3% of card payment transactions;
- the same amount (0.3%) from own funds.
master card
Provides benefits to the issuer. The payment system offers the same privileges for purchases as for MC Standard: discounts in entertainment venues and stores participating in affiliate programs, MC Rewards cashback, as well as round-the-clock technical support in most countries.
Distinctive features:
- suitable for budget payments;
- there is no loan offer;
- non-cash payment in the Crimea is possible;
- not accepted in most countries.
Debit
The card allows:
- receive and send transfers;
- withdraw cash without commission;
- pay by bank transfer;
- get remote access to the account;
- enjoy the privileges of the bank and the payment system.
Terms and cost
Debit Gold:
| Visa | master card | WORLD | |
|---|---|---|---|
| Service fee | 3000 rub. annually. For those who applied for the first year from 03/01/13 to 05/31/18 - 1500 rubles. | ||
| Reissue for any reason | Is free | ||
| Validity, years | 3 | 5 | |
| Account currency | Ruble/Euro/Dollar | Ruble | |
| Overseas Emergency Cash Out Fee | Missing | None, but in most countries extradition is not possible | |
| Mobile bank | Is free | ||
Salary
The product is a regular debit Gold, which regularly receives payments from the employer.
The holder, on his own initiative, can order Gold, provide details to the accounting department, and pay for the service on his own. In some organizations, a Sberbank gold debit card is issued as an encouragement to all or individual employees at the expense of the employer.
When applying independently, remember that since 2017, salaries from the budget can be received exclusively without the participation of the services of foreign companies. Visa and MasterCard are not suitable for state employees, only MIR is acceptable.
Attention! Upon dismissal, the salary card remains in hand. The catch is that the employer no longer pays for it, the amount for the service will be debited from your account. For Gold it is 3000 rubles. If desired, you can refuse by notifying the bank before the next payment or immediately after dismissal.
Pros and cons
Benefits of Debit Gold:
- increased daily limits;
- always free reissue, mobile banking, as well as emergency issuance of money in foreign countries;
- the opportunity to receive increased cashback.
The disadvantages include:
- relatively high cost;
- uselessness if you do not need to withdraw more than 150 thousand rubles in cash per day, and payments for plastic are less than 15 thousand rubles. per month;
- modest privileges compared to platinum and black plastic, the price of which starts at 4,900 rubles a year.
Credit gold card
It is convenient for non-cash payment, especially if there is not enough of a certain amount “before salary”. Allows you to withdraw cash, but in order to avoid abuse of bank funds, the service is paid.
Sberbank calculates the credit limit individually within the established limit by product type.
The main difference between a gold credit card and a regular one is increased daily limits, cashback, as well as free emergency cash withdrawal.
Terms of Use
Credit Visa/MasterCard Gold:
| pre-approved | On a universal basis | |
|---|---|---|
| Service | Free | 3000 rub. annually |
| % on loan | 23,9 | 27,9 |
| % for a penalty | 36 | |
| Credit limit | Up to 600 thousand | Up to 300 thousand |
| Getting cash | Commission at least 390 rubles, 3% in Sberbank, 4% in third-party banks | |
| Reissue, no matter the reason | Is free | |
| Cash withdrawal abroad if it is not possible to use the card | ||
| Mobile bank | ||
How to use
For proper use, it is important to have a general understanding of the calculation of interest, regular control of the account.
Find out the date of the report on the card. It is indicated on the PIN envelope received along with the plastic, as well as in your online personal account on the page with information about the credit card. With the next reissue without changing the PIN, this is the date preceding the issue.
Each month, on the next day after the report, a new period begins, which ends on the report day in the next month. 20 days after graduation are preferential.
Throughout the reporting and grace period, you can pay off the debt formed in the reporting period without interest. Thus, interest-free installment is from 20 to 50 days. The period can be correctly calculated independently or viewed in Sberbank-online.
The next day after the end of the grace period, the system will calculate the repayment for 20 months, regardless of the validity period of the plastic. Interest will be accrued starting from the day the debt was incurred. You will have a mandatory payment in the amount of 5% of the principal debt +% for use.
The bank will inform you via SMS about mandatory payments, detailed information is available in the online account. In the event of an overdue debt, a penalty of 36% per annum will be charged.
Interest-free installment does not apply
For transactions for which interest is accrued from the 1st day:
- cash withdrawal;
- payment for gambling business services;
- purchases that have been linked to illegal activities.
Pros and cons
The benefits of Gold credit include:
- double daily limits compared to standard products;
- attractive cashback;
- free services: mobile banking, any reissue, cash withdrawal abroad if it is impossible to use plastic;
- the opportunity to use a Sberbank gold credit card for free with favorable conditions.
Let's call the disadvantages:
- expensive service and a reduced credit limit for mass offers;
- registration of paid Gold makes sense only when spending in stores on a card over 15 thousand per month;
- privileges from payment systems are largely similar to classic offers (their cost is 4 times cheaper), there are no benefits at airports.
How to get a gold card
Anyone can apply at the branch or through the website, wait for consideration. With a positive decision - get.
Many of the current customers receive a pre-approved offer for a preferential credit card from the bank.
Approved proposal
Clients with a good history at Sberbank may receive an offer to issue a gold credit card with free service.
The bank informs you through your personal account online, via SMS, the manager can call you or inform you during a personal visit to the branch. Confirm your consent through Sberbank-online or at the office, having previously read the terms. The card will be ready within 2-3 weeks, and you will receive an SMS notification when it is issued for issuance.
If you do not want to use the product, ignore the approval, it does not oblige you to anything.
How to apply through the branch
For an application for a debit Gold, a passport will be enough, if the registration is temporary, present a certificate. To apply for a loan, you will need proof of financial solvency.
If you do not receive salary payments through Sberbank, provide 2-personal income tax or an account statement in another bank, declarations or other proof of income. Participants of Sberbank's salary projects do not need to provide certificates.
Having presented the documents at the office, fill out the application together with the bank employee, read the rules, tariffs, and sign.
After 2-3 business days, you will receive an SMS notification about the consideration of the application. When you approve a gold debit or credit card, wait for a message that it's ready to be issued. Depending on the region, this takes from 2 to 14 days, sometimes more. Get plastic.
Order online
Remote registration will be somewhat different from whether you are an existing or new client, whether you use remote services. In any case, you can find a page with the Gold you are interested in on the Sberbank website, click on the design button. Next, follow the instructions on the site.
You will receive a message with the result of the review. With the consent of the bank, wait for an SMS about the readiness of the plastic. Get it on your passport at the office indicated in the application.
other methods
If you have been approved for a gold card at the initiative of the bank, you will see a notification about this at the ATM. You can print it out and apply with your passport to the office for full processing.
Overview of reviews
In positive reviews, customers note increased bonuses, free mobile banking, and discounts from Visa Abroad.
Most users note the high cost.
Negative reviews are caused by the accrual of interest on credit cards. Participants of salary projects are sometimes forced to use free Gold. Holders, without understanding, begin to use it. The lack of an accurate understanding of the effect of preferential installments entails a rapid increase in debt.
Conclusion
Before you get a Sberbank gold card or close the imposed one, weigh for yourself all the pros of the product, its cons. Carefully study the tariffs and description of services.
When comparing Golden Visa and MasterCard, check out their affiliate programs. When traveling, Visa offers more privileges. MasterCard has a more attractive cashback. MIR allows state employees to receive a salary for Gold.
Regardless of the type of gold plastic, Sberbank will provide an opportunity to receive increased Thank You bonuses.
