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When there is an urgent need for money, many consumers turn to microfinance institutions or borrow from friends and relatives. Often, MFIs charge very high interest on consumer loans, so turning to them is not a very good decision. And friends may not have the necessary amount, and besides, this can lead to big problems.

An excellent alternative to all this can be considered a Sberbank credit card. Sberbank is considered one of the leading banking institutions in Russia in almost all areas of the services offered. A representative of any segment of the population can choose a suitable card for himself: from ordinary students to the elite of society.

Of course, you can leave an application for a credit card at a bank branch, but on our website you can get a Sberbank in just 15 minutes. You won't have to wait long for a decision to file an application, so this method will save you time.

Features of Sberbank cards

  1. Cards are available for almost any payment system.
  2. The card can be used even abroad.
  3. The client can use the credit line with a grace period free of charge.
  4. The bank is ready to offer individual conditions for each client.
  5. There are both status and regular cards.
  6. There are various bonus programs.
  7. You can get an instant card directly at the branch.
  8. A wide range of possibilities in using the card.
  9. Availability of co-branding programs.
  10. Using special cards, the client provides assistance to charitable foundations.

What documents are needed for registration

To apply for a credit card at a branch of Sberbank, you will need to provide the bank with your documents. Of the required documents, you need a passport with registration, and you can choose to provide:

  • SNILS;
  • military ID;
  • driver license;
  • international passport;
  • a certified copy or extract of a work book;
  • certificate of income 2-NDFL or other document confirming income;
  • certificate of an individual entrepreneur;
  • civil servant's certificate;
  • attorney's certificate.

You can apply for a card on special terms at Sberbank if you are:

  • contributor;
  • current borrower;
  • payroll client;
  • receiving a pension through a bank.

Conditions for obtaining a loan on a Sberbank card

If you have a desire to get a credit card from Sberbank, then you should leave a corresponding application on the bank's website, or call the hotline number and contact the support service. Of course, this can be done at the nearest branch of Sberbank.

The bank may make you a personal offer to receive an instant credit card, provided that you:

  • Opened deposits in Sberbank;
  • You receive a pension or salary on a Sberbank card;
  • Arranged consumer loans.
  • Use a Sberbank debit card;

Client Requirements

Each client who wants to have a card with credit funds must meet the requirements set by the bank. Namely:

  1. You must have the citizenship of the Russian Federation
  2. A positive (or zero) credit history is required.
  3. Age restriction: from 21 to 65 years (except for the “Youth” card).
  4. Stable sources of income.
  5. Work experience at the current workplace for at least 6 months, and in general at least one year of work experience.

Please note that you will not be able to get a credit card if you do not meet all of the bank requirements listed above.

Sberbank credit cards

A bank can offer its customers several types of credit cards. For each client, an individual credit limit is set - it is formed on the basis of the results of a study by the bank of the client's solvency.

The maximum credit limit on most cards of this bank is 600,000 rubles, and the minimum is 120,000 rubles. Below are the online applications for which you can apply in 15 minutes and only then use them to withdraw cash through an ATM.

  1. golden cardVisa andmaster card– interest rate from 24 to 28% per annum. Credit limit - 600,000 rubles. The cost of annual maintenance is from 0 to 3,000 rubles. For registration, a document confirming income is required.
  2. Golden and classic cardVisa "Aeroflot" - interest rate from 26%. The limit is 600,000 rubles. Service - 900 rubles. The peculiarity of these cards is that they allow you to accumulate bonus miles from Aeroflot, and then you can exchange them for award flights.
  3. Golden and classic cardVisa “Give life”– the rate starts from 26%. And the credit limit on both cards is 600,000 rubles. Annual maintenance of a gold card - up to 3,500 rubles; classic - 900 rubles. These cards are issued with the support of a charitable foundation for helping children with cancer.
  4. Classic cardsVisa andMasterCard - interest rate from 26% per annum. The limit is up to 600,000 rubles. The cost of annual maintenance of a credit card is 750 rubles. The cards include the most optimal set of necessary banking services.
  5. Youth cardsVisa andMasterCard- interest rate starts from 34% per annum. The credit limit is 200,000 rubles. The cost of maintenance is 750 rubles. These cards are available to young customers of the bank, and this is their main feature.
  6. Instant credit cardsVisa andMasterCard Momentum” – the rate starts from 26% per annum. The credit limit is 120,000 rubles. One of the features of these cards is a completely free annual service. Registration takes place according to the passport of a citizen of the Russian Federation.

Many customers who sent an application online for a Sberbank credit card in 15 minutes and used it leave mostly positive feedback. Customers note the efficiency of work and fast, high-quality service. And you can issue a card you like on our website by filling out the form at the bottom of the page, because a credit card is a great way.

Are you interested in a Sberbank credit card, which is issued in just 15 minutes? This product is called "Instant Issuance Card", and today we will tell you how to get it.

Unfortunately, just go to a bank branch, write an application and get a card will not work. To be approved for this credit card, you must have a special offer.

To whom can it be done and offered a card? Let's list these categories:

  • Payroll customers of the bank who have been receiving wages to the bank account for more than 6 months, or have a good credit history here;
  • Existing borrowers who have issued a consumer or mortgage loan at the bank and repay it in a timely manner without delay;
  • Loyal customers who have or have recently had a deposit or a loan with this company.
  • Consumers who use an organization's debit cards.

You can find out about the availability of an individual offer at any contact with the bank - just contact the employee responsible for advising on credit cards. Also, this information can be obtained in the Personal Account of the Sberbank Online system or by calling the Contact Center at 8-800-555-55-50.

In the event that you have indeed approved such a product, you can get it under the following conditions:

  • Card validity period - 3 years, currency - Russian rubles;
  • Service cost is free;
  • Credit limit - up to 120 thousand rubles;
  • The current rate is 25.9% per annum;
  • There is a grace period (when interest is not charged) up to 50 days for non-cash purchases;
  • Electronic chip protection;
  • Ability to pay for purchases in the online store;
  • There is a bonus program "Thank you from Sberbank". You can read more about this promotion;
  • Payment system: Visa or MasterCard. Discounts and special offers from these international systems;
  • The ability to manage your account and payments through the remote service services "Sberbank Online" and "Mobile Bank";
  • Auto payment service, more information about it at this link;
  • 3D-secure technology, which allows you to carry out transactions in a secure mode;
  • In Russia and abroad, receiving cash on the same terms;
  • Possibility of linking the card to electronic wallets of the Russian Federation;
  • Additional cards are not issued.

This loan product is available to citizens of the Russian Federation aged 25 to 65 who have permanent registration in the region where the card was received and who have been working in the last place for at least 6 months.

To issue an instant credit card at Sberbank, you will need 15 minutes of free time and a passport of a citizen of the Russian Federation.

If you want to know how to get a loan without refusal? Then go through

Today, among all applications to Sberbank of Russia, 55% of applications are for a credit card. This type of banking product is popular due to the fact that it is convenient, useful and subject to bonus programs. Sberbank of Russia appreciates each client, therefore, it strives for the most efficient service. Today, getting a credit card on the day of applying is not a dream, but a reality. The financial company has instant issue credit cards, which, upon approval, the user receives immediately.

Who can get a loan?

Cards of payment systems Visa and Mastercard are available for receipt directly at the time of application. This is convenient, because in order to use the required amount, you do not have to borrow them from friends. In 15 minutes, you always have funds in your wallet that you can spend as you wish or need.

Any resident of Russia who has reached the age of 18 and has a permanent residence permit has the right to apply for a credit card. It is very simple to issue an instant Sberbank credit card, you can contact the bank branch, or you can submit an online application in your personal Internet banking account. It is easier for someone to communicate with the manager, while someone does not have extra time and it is easier to order a credit card from the office or at home.

Often an instant credit card from Sberbank is in the “Approved” status, which means that the client will not need to wait for the bank’s decision on whether the bank has approved the issue of a credit card for him. You can simply come to the branch of the Savings Bank of Russia and, presenting your passport of the Russian Federation, receive a card within 15 minutes. You will only need to fill out a package of documents, confirm your identity, agree to receive a credit card.

The Savings Bank has offers for credit cards that operate in the payment system that is convenient for the client. There are credit cards for travel, for social needs and for those who want to participate in charity.

The registration procedure is extremely simple, however, there is a nuance - the cards of the instant issue of the credit line are not registered. By registering the product as quickly as possible, a person gets the opportunity to use the money urgently, while using a financial product on which Sberbank of Russia is indicated as the owner. the credit card will already be personalized and this fact should no longer confuse the client.

Step-by-step instructions for issuing a card

For users of the online banking application, a Sberbank credit card is available in 15 minutes through an online application. In order to issue it, you need to follow the following instructions:

After studying the application, the manager of Sberbank of Russia will contact you and clarify where and how it will be more convenient for you to get a credit card. The place of registration does not matter, you can specify the office closest to your home, or you can choose the branch that is located on the way to work. Then you should contact the specified address with a passport and get a credit card within 15 minutes.

If the client’s phone has already received offers that the card is available, then in the personal account in the “Cards” section, the credit card will be displayed in the “Approved” status, in this case, you can apply even through an ATM. For this you need:

  1. Insert a debit card into an ATM.
  2. Find the item "Issue a credit card in 15 minutes."
  3. Choose a credit card of a convenient payment system.
  4. Specify the desired credit limit.
  5. Confirm application.

Within 24 hours, a bank manager will contact you, clarify all the data and invite you to receive a credit card at the branch of Sberbank, where it is most convenient for you to issue an instant credit card.

An employee of Sberbank will tell you in detail about what the card has and explain what it consists of, print out a payment scheme for you, indicate the date of the mandatory contribution if you start using a credit card on the same day. If the client has additional questions, then they must be asked immediately so that there are no awkward situations when the card is activated.

After receiving an instant issue credit card, it is important to activate it at an ATM. The credit limit is initially less than that specified in the online application, if the bank has decided that the desired amount is not yet available to the client. After activating a credit card at an ATM, you can use finances, the main thing is to remember the pin code.

The client should remember that, subject to the issuance of cash, Sberbank of Russia charges a commission of 1% of the amount issued, but not less than 390 rubles. Therefore, in order not to pay interest on using a credit card, it is best to pay for purchases by bank transfer through the terminal. At the same time, you can also receive after registering a credit card in the loyalty program. And if the client falls within the grace period of lending, then there are no overpayments to the bank for using credit money.

Terms of lending from Sberbank

By issuing an instant issue credit card, you get the opportunity to comfortably and quickly use finances without asking your family or friends for a loan. Moreover, the terms of use for banking products of this type are such that it is not necessary to return the entire amount at once, it is enough to pay a monthly mandatory payment and gradually repay the debt. It is enough to regulate the receipt of your money in accordance with the days of payment, draw up a schedule and replenish the account in advance. When the client has the opportunity to deposit the entire amount, he can do this without warning and without agreement with the bank. If there is a positive balance on the credit card, then no additional payments will be required.

In the offers of a financial company for a Sberbank credit card, the processing time is 15 minutes. These are not just empty promises, indeed, the procedure for obtaining a loan takes no more than 15 minutes, which are spent on signing a package of documents. At the same time, the client comes to Sberbank only with a passport and no additional certificates, extracts, documents are required.

If you urgently need a certain amount, or you need to buy something expensive, an instant Sberbank credit card can help out, lending conditions for each credit card of different payment systems are different, and the limit of available money is calculated for a particular client individually. A credit card is issued for 3 years, followed by automatic reissue, however, if the client decides to break off relations with the bank, then, subject to all conditions, he can do this both ahead of schedule and at the moment when the credit card ceases to be valid. Please note that even with early termination, the cost of annual maintenance will be debited from the card.

Annual maintenance cost and limit

The cost of annual maintenance of instant credit cards for today for and MasterCard Momentum is zero. Sberbank offers free card service to attract customers.

The credit limit for instant issue credit cards is up to 600 thousand rubles, however, this amount is not provided to everyone. Each client has his own maximum credit limit, regardless of the type of payment system. This is affected by both the credit history and the finances on the accounts and cards in Sberbank of this client.

After the first 6 months of use, if the credit card holder did not allow delays, complied with the conditions for using the credit line card, the bank automatically increases the credit limit, and after a year it can make an offer to increase by another amount. The client has the right to refuse this, or he can accept the new conditions if he needs an extended loan.

The list of requirements of express banks is quite loyal and is feasible for almost every adult citizen of the Russian Federation. However, there are age limits that each bank sets individually based on the level of risk. Some banks require, in addition to the passport, an additional document and a certificate of income. This allows the borrower to get a credit card on more favorable terms.

The standard list of requirements includes:

  • Russian citizenship;
  • age limit;
  • registration and residence in the bank's service area;
  • the borrower must have income and provide information about the employer (address, telephone number, indicate work experience, level of income);
  • positive credit history.

This modest list is enough for the bank to issue a card. Depending on individual creditworthiness, the bank provides special conditions for each borrower on the card.

Where to apply online for a credit card in 15 minutes

The easiest way to get a credit card is to make an online application on the bank's website. It is better to study the conditions for each bank beforehand. They differ in:

  1. The size of the interest-free period.
  2. interest rate.
  3. terms of the loyalty program.

The bank studies the information received within a few minutes and immediately gives a decision: positive or refusal. In case of refusal, no explanation is given by the bank.

The most loyal banks issuing express credit cards

A bank representative calls the borrower and explains how to get a card. Or the bank sends an SMS message with detailed information. Depending on the selected bank, the card is available at the bank branch or can be delivered by courier on the same day. After activating a credit card, it can be used on the day of receipt.

The most loyal express banks are:

  • Tinkoff Bank;
  • Qiwi Bank;
  • Russian standard.

Applying for a credit card is quick, easy and accessible to almost everyone. It is important to note that for each borrower, the bank considers individual conditions and the interest rate for the same loan product for different borrowers can vary significantly.

To get a credit card on more favorable terms, you can provide a certificate of income to the bank and work on your credit history so that it is positive. For the express method of obtaining a credit card, it is important to meet the basic requirements of banks. This will allow you to urgently receive a credit card on the day of application without certificates and guarantors, only with a passport.

Many consumers are familiar with the situation: they urgently need money, but there is simply nowhere to take it from. Contact microfinance organizations full of advertisements? However, there is such a percentage that it is better to bypass such institutions. Borrow from friends? Sometimes the required amount is large enough for them. An excellent alternative to the above still exists - this is a Sberbank credit card for 15 minutes Momentum. Registration is available for products of Visa and MasterCard payment systems.

There are many benefits to getting an instant credit card. They are the following:

  • It's fast. Words about 15 minutes are not an advertising trap at all - the registration procedure is quite simple, there is nothing complicated here. And if you urgently need a decent amount of money, it is worth spending 15 minutes of your time.
  • No need to collect a lot of documents. It is no secret that many banks, before considering the application of a potential borrower, require a lot of documents - starting with a valid foreign passport with passport control stamps and ending with copies of certificates of ownership of real estate.
  • Limit amount. The lower bar is 10,000 rubles, the upper one is 120,000 rubles. For Sberbank credit cards issued in 15 minutes according to two documents, this is quite a decent and worthy limit. However, in the case of this product, individual conditions apply - the amount can be increased to 600 thousand rubles. as part of a personal offer.
  • The Momentum card does not contain individual data - the number and validity period are indicated.
  • The product expires automatically. Now you do not need to visit the bank and sign additional papers to extend the validity of the payment instrument.
  • The PIN code is assigned personally by the client.

A credit card can be issued according to two documents at the branch or by submitting an online application on the bank's website

Conditions on the card

The tariffs and terms of this product are similar to similar credit cards offered by this financial institution:

  • Presence of a grace period lasting 50 days. A grace period, or grace period, is a certain period of time during which a borrower can use funds without accruing interest on expenses. If, within the same 50 days, the borrower returns the money to the card account, then he will not have to pay interest at all, since they will not be accrued.
  • The credit limit is renewable. This means that as soon as the last penny spent is returned to the client, he will again be given the opportunity to use the same monetary limit.
  • In case of obtaining a Sberbank Momentum credit card (which can be issued online in 15 minutes via the Internet), its active use and timely fulfillment of its obligations under the loan, the client gets the opportunity to increase the credit limit. Of course, the size of the limit is at the discretion of the bank, but, nevertheless, it is quite likely.
  • The first year of service is free, in the future the cost of annual service will be 750 rubles. This amount will be deducted from the card once a year.
  • Free use of Mobile Banking services. This means that any plastic operation will be accompanied by an SMS notification sent to the client's mobile phone.
  • Interest rate - 23.9% per year.
  • Payment by credit card makes it possible to use discounts from companies that are partners of the bank and payment systems.
  • Using the product entitles its holder to accumulate points under the Thank You program (0.5% bonuses from the purchase price from the bank and up to 20% bonuses from companies participating in the bonus program).
  • When withdrawing cash, a small percentage is charged - 3% of the withdrawal amount within the bank and 4% - in other banking institutions. True, there is a small restriction on withdrawals for this type of cards - the limit for the amount for cash withdrawals is no more than 50,000 rubles. at ATMs and 150,000 rubles. at bank tellers.
  • MasterCard and Visa payment systems cards are applicable both in Russia and abroad. Therefore, it is convenient to use them as a payment instrument on long trips and foreign tours.

Client Requirements

If you need a credit card from Sberbank, then you need to submit an appropriate application online on the website, by calling the hotline or by visiting the nearest branch.

The bank itself can make a personal offer if you:

  • You receive a salary or pension on the card of this banking institution;
  • Use his debit card;
  • Placed in the same bank deposits;
  • Arranged a consumer loan.

In this case, it is easier for the bank to assess its solvency - after all, it sees all the cash flows in the client's salary account. And for the same reason, the client does not need to bring a large number of documents, certificates and copies to the branch - all the necessary information about him is already in the database of the financial institution.


Bank requirements for a client to receive a credit card

Fill out an online application via the Internet

There are a number of nuances that need to be foreseen in advance:

  • If you need an urgent receipt of the product in a very short time, then you need a personal presence at the bank office. Only with a personal visit and presentation of the original passport of a citizen of the Russian Federation, it is possible to quickly issue a credit card.
  • If urgent purchases or expenses are not expected, then you can fill out an online application for issuing a product directly on the official website of the institution. Here you need to fill in all the necessary lines of the questionnaire. It will take about a couple of days for the bank to make a decision. The client always has a choice - either spend some time waiting, or, if the funds are needed urgently, visit the bank office.

Up to 600 thousand rubles are available for clients with a personal offer.


The card has a number of additional features.

Most customers who have already used a Sberbank credit card in 15 minutes Momentum leave positive feedback, noting efficiency, attractive conditions and high quality of service.