Sberbank cards for individuals visa. What should you pay attention to? Benefits of debit cards

Most of the population uses plastic cards instead of traditional wallets; there are many types of them, each of them has special characteristics and provides a variety of opportunities. Sberbank debit cards with free service allow you to store money, pay for purchases, make payments and transfers. You can get it at the Savings Bank office; just fill out an application and provide your passport. Plastic is issued to citizens who have reached the age of eighteen; some categories of cards can be obtained after reaching the age of fourteen.

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Types of plastic cards from Sberbank with minimal price services

This credit institution is one of the largest in our country, offering customers a wide selection of debit cards. Before placing an order for a card, think about the purposes for which it is needed, assess your financial situation and lifestyle. The assortment is large, but they are all made on the basis of two main payment systems: Visa and MasterCard. The Maestro type card can only be used on the territory of the Russian Federation.

Youth card

Sberbank is the only credit institution in Russia that issues debit cards from the age of fourteen. The youth card is designed for consumers in the age category from fourteen to twenty-five years. It is personalized and has a low maintenance cost; you need to pay one hundred and fifty rubles per year. When withdrawing funds through the terminal, no commission is charged. The product is an ideal option for donating scholarships and paying for purchases.

Visa Gold Card

Gold Card opens up endless possibilities for its owners. Only clients with an ideal reputation can receive it; if desired, an account can be opened in ruble or foreign currency equivalent. The plastic contains an electronic chip for contactless payment. You can withdraw money or pay by card in all countries of the world. Gold card owners have 24/7 hotline support. Reissue is free of charge. Annual maintenance is three thousand rubles.

Name card

At the Savings Bank you can get two types of plastic: registered and unnamed. The first displays information about the cardholder, the second does not contain information about the owner. The personalized card has a high level of protection and an increased limit on transactions. A non-named card is received immediately on the day of application; it takes up to two weeks to produce a personalized card.

Visa Classic

The main advantage of this type of card is the ability to use it both in our country and abroad. You can withdraw no more than one hundred and fifty thousand rubles from the card per day. The Classic visa is available in three types: individual, corporate or salary. When withdrawing money from terminals of other banks, remember that interest and commission are charged. The client has access to the Thank You bonus system from Sberbank and the opportunity to participate in promotions carried out by the payment system. For the first year of use, the service fee is seven hundred and fifty rubles, then four hundred and fifty rubles.

Main advantages of the card:

• You can transfer your salary, student benefits, or deposit personal funds;
• Currency conversion is carried out automatically, the card is accepted for payment in all countries;
• You can withdraw the required amount anywhere in the world;
• Possibility of issuing an additional debit card;
• Some clients have access to an overdraft (a line of credit that allows them to go into a negative balance).

When designing a classic Visa card, you can choose any design for the plastic, from emoticons to beautiful landscapes.

Conditionally free cards for individuals

Let's consider the entire list of available cards that can be issued and received if certain conditions established by the bank are met.

Instant card

It usually takes some time to issue a card; the waiting period depends on the type of product. Maestro is carried out in the shortest possible time, it is received on the day of application. It is not personal, and such a card can only be used on the territory of the Russian Federation. When traveling abroad, you will not be able to withdraw money from Momentum or pay with it. The Maestro card is used to pay for purchases, make payments and transfers using it. A good option for people who urgently need to open an account and receive plastic money.

Mastercard from Sberbank

For some plastic card holders there is no difference between the Visa and MasterCard payment systems. There are differences, although small. You can apply for a MasterCard card exclusively at bank offices; applications on Visy are accepted online. The main advantage of the MasterCard system is the absence of additional fees for currency conversion. Free cards from Sberbank are issued on the day of application.

Platinum Visa Card

The main advantage of plastic is the opportunity to receive large bonuses and return up to 10% of the purchase price back to your account. When paying a bill at public catering establishments, cashback will be 5%, when paying for purchases in stores, you will get 1.5% back, and when paying with a card at gas stations, you will get 10% back. For other transactions, cashback is 0.5%.

The annual service is four thousand nine hundred rubles; as part of the Sberbank Premier service package, you can issue a card for free.

Pension card MIR

Free Sberbank social card for receiving a pension. The service is free, up to 3.5% per year is charged on the card balance. There is no longer any need to carry cash with you, no need to stand in long lines to receive your monthly payment or wait for the postman to visit, fearing to be away from home again.

The pension is immediately credited to the plastic balance after the Pension Fund of the Russian Federation makes the transfer. Cards are used to pay for purchases in stores and enable automatic payments.

MasterCard Active age

The card is intended for receiving a pension and transferring personal funds. The account balance is charged 3.5% annually. The main difference from the MIR card is the ability to pay anywhere in the world. The plastic is also equipped with a contactless payment system. To receive it, just leave an application with Sberbank employees. There is no charge for Mobile Banking during the first two months of service. Validity period is five years.

Conclusion

You can receive a Sberbank card with free annual maintenance at the bank’s office or by filling out an application via the Internet on the online portal in your personal account. Before you start using the card, you must go through the activation procedure; this will happen automatically twenty-four hours after receiving the plastic. You can activate it yourself through an ATM; to do this you will need to enter a PIN code.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.

What documents are required to receive a card?

To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.

Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.

It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.

How can I use THANK YOU bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.

How can I find out my card details?

To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.

Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.

Often in everyday life, the concepts of a credit card (credit card) and a debit card are confused and replaced. What is a Sberbank debit card? Its difference from a credit card is that it does not involve the use of borrowed funds.

If money is withdrawn from a credit card or paid off by borrowing at interest and taking on obligations to restore the balance, then our hard-earned salaries and pensions are listed on the debit card. When spending our own finances, we do not have to pay interest and then return the money to the account.

Features of the debit product

Debit cards for individuals are the most common type of banking product. Their relevance in our lives is dictated by convenience in payment. What is a debit card for? Let's list all the options for using it:

• employers transfer employee salaries to them;
• pensioners receive pensions;
• It’s easy to withdraw cash from them at any ATM;
• you can pay for various goods and services;
• make orders online;
• from one card to another.

What does a debit card mean? This means that its owner operates only with his own funds deposited earlier, and does not use loans. This, as mentioned earlier, is its main difference from credit. The very meaning of the word is of accounting origin and means, in simple terms, “you are owed.”

Some cards have a feature called overdraft. This service is provided with the client’s consent and is a kind of imitation of a loan.

An overdraft gives you the right to slightly overspend your debit limit and borrow money from the bank at interest. It works like this: you pay for a product or service, and if there is not enough cash on the card, the missing amount is automatically borrowed from the bank. The interest rate and repayment terms in this case are negotiated when applying for plastic.

Benefits of debit cards

This is, first of all, freedom from cash and the ability to accumulate funds. With her, all calculations are transparent and accurate to the penny. The transaction process involves cold computer calculation, and all cash movements are reflected in the receipt.

You no longer have to carry a large amount of cash with you - all capital is stored on the card. By becoming a Sberbank client, you also get the opportunity to use the Sberbank Online system, mobile banking and Autopayment system.

At the same time, many banks annually deposit funds into the account. This helps increase savings or at least keep pace with inflation.

Any plastic issued by a bank is serviced by one or another payment system:

1. Visa.
2. MasterCard.
3. American Express.

The payment system determines the possibility of using a means of payment abroad, available promotions and bonuses, as well as other advantages and benefits.

Cost of servicing Sberbank debit cards for individuals.

Cards of PJSC Sberbank

Let's look at what types of debit cards Sberbank issues, how much their maintenance costs, and what are the features of each of them.

Classical

The standard package of services provided allows for various payment transactions. The fee for the first year of card servicing is 750 rubles, and from the second year it is reduced to 450 rubles. Definitely the best option in terms of price/quality ratio.

Issued to clients over 14 years of age. The product can be designed as a payroll and is also equipped with PayPass contactless payment technology. Disadvantages include the lack of cash back and advanced additional features.

Card with big bonuses

Servicing this card is not cheap (RUB 4,908 per year). However, if the holder spends more than 30,000 per month on it, it is fully paid off. If the amount of spending is even higher, then you can even “earn extra money”. So, in the form of bonuses, you get back from 1.5% (supermarkets) to 10% (gas stations, taxis) of the amount of purchases made. In this case, one bonus point is equal to 1 ruble.

Sberbank Gold Card

This plastic also participates in the “Thank you from Sberbank” bonus program, under which bonuses are exchanged for discounts from the bank’s partners. Each purchase returns about 0.5% of its cost and up to 20% if the purchase was made from bank partners.

Annual maintenance is 3,000 rubles. Allows you to cash out funds abroad on preferential terms, and the holder himself receives priority when contacting the hotline number. Otherwise, the services provided to Gold Card users, with the exception of the premium status, are similar to the service of the classic product.

Individual design

The appearance of the card - the image on the front side - the user chooses personally from several hundred proposed options (and also has the opportunity to upload his own). The cost of the service is 500 rubles.

Available in two types: Visa Classic and MasterCard Standard. You can issue additional cards, as well as get plastic cards with a bright design for children aged 7 years and older. Otherwise, the package of services provided duplicates the classic debit card.

Special offers from Sberbank

In many cases, using a settlement tool is not only convenient, but also profitable. Thus, today Sberbank, together with other large companies, has developed a number of co-branding products that can boast significant advantages.

Aeroflot

The more you spend on the card, the more miles you will accumulate for flights. Miles are a kind of bonuses that are added up with each purchase. They can be spent on air travel with Aeroflot or SkyTeam. Bonuses can also be spent on partner services.

The bank issues three types of such cards: Signature, Gold, Classic. Upon registration, 500-1000 miles are immediately credited. One dollar, or the equivalent amount in rubles, is equivalent to 1.5-2 miles, depending on the type of banking product. Service cost starts from 900 rubles per year.

"Gift a life"

Every purchase with a “Gift of Life” card is helping children in the fight against cancer. Sberbank, together with the charitable foundation of the same name by Dina Korzun and Chulpan Khamatova, produces three varieties: Platinum, Gold and Classic. The difference lies in the cost of service (1,000-4,000 rubles).

Donations are transferred to a charitable foundation in the amount of 50% of the service fee in the first year and from 0.3% of the amount of each purchase. The described conditions apply to all cards of this line. In addition, the Platinum version is equipped with the possibility of PayWave contactless payment, but the cost in this case reaches 15,000 rubles.

Youth

Registration is available to people from 14 to 25 years old. The card's annual service is attractive, and will cost the holder only 450 rubles. At the same time, the product has a full package of services and bonuses.

Operations can be performed from a mobile phone, and all movements of funds can be tracked using a mobile application. Checking your balance, transferring and receiving money, paying for certain types of services, opening deposits - all this and much more can be done directly from your phone or computer through Sberbank Online.

Free debit cards

Free cards primarily include instant products and cards for pensioners.

Sberbank Maestro “Social”

The Maestro “Social” card is perhaps one of Sberbank’s most popular products. The function of accumulating funds on the card is available to all citizens entitled to the following payments:

• calculation of pensions;
• benefits;
• other social subsidies.

You can apply for such a card from the age of fourteen, that is, from the moment you receive a passport as a citizen of the Russian Federation. Its main advantages are listed below:

• Registration of plastic is free.
• No service fee.
• Reissue is free of charge. With the exception of situations related to the loss of plastic or a change in the holder's last name.
• The presence of an electronic chip provides additional safety of use.
• Possibility of making cashless payments anywhere in the world without commissions.
• You can pay for purchases online.
• Commission-free withdrawal of money from ATMs of Sberbank PJSC (subject to compliance with the daily limit).

However, in addition to its advantages, the card also has serious disadvantages, which makes the product not entirely suitable for use in certain conditions. Since the card belongs to the budget segment, there are a number of restrictions on its use by the holder:

• Cash withdrawals can only be made in the Russian Federation.
• This type does not support payroll capabilities.
• The card number has eighteen characters, which may cause some difficulties when paying for goods online.

In general, the Maestro “Social” card can be an excellent analogue to a savings book with deposit charges of 3.5% per annum. For comparison, the balance on a savings account usually earns no more than 1%. Such charges can fully cover the costs of using additional services such as SMS notifications.

You can apply for a Sberbank debit card "" only directly at a branch of Sberbank of Russia.

Virtual card

This option is in demand among those who often shop online. The card can be easily attached to electronic wallets for replenishment. At the same time, in the Sberbank Online system there is only an account; the plastic itself cannot be held in your hands, since, in fact, it is not issued.

Instant cards

In cases where a card is needed immediately, the simplest and most economical option may be to issue a Momentum card. This type of banking product is issued on the spot, upon first application, and is available to clients over 14 years of age. The Momentum card has the following features and benefits:

1. Free annual maintenance;
2. Registration in any of the three types of major currencies (rubles, dollars, euros);
3. Possibility to choose one of two payment system options – Visa or (MasterCard).
4. Participation in the “Thank you” bonus program from Sberbank.

However, in addition to the advantages, Momentum also has some limitations:

• Plastic is not personalized. The holder's first and last name is not indicated on the front side. This may result in refusal to accept the card at retail outlets or when paying online.
• This product cannot be used abroad.
• The card number contains 18 digits, which, in some cases, makes online payments impossible.
• It cannot be used as a salary.
• You cannot issue additional plastic linked to this card.
• Cash withdrawals outside your home region are subject to a fee. Exactly what commission will be withheld will depend on the region in which the funds are withdrawn and the bank that issues the money.

Among the debit cards of Sberbank of Russia, Momentum is the most budget option, but with very poor functionality. This type does not have most of the features of other products.

If you need plastic urgently, you need to instantly gain access to Sberbank Online, or you don’t want to overpay for annual maintenance, then you should take a closer look at this option.

Let's consider this option in a little more detail.

Instant cards “Classic” Visa and Mastercard

Instant cards "Momentum" Visa and MasterCard

These cards began to be issued to replace those mentioned in the previous section of the article. However, they carry an important difference from the previous generation: the ability to cash out at any ATM anywhere in the world, and not just at Sberbank ATMs in the Russian Federation. Consequently, such products are completely international.

This is very convenient, since the holder now has the opportunity to instantly receive a full-fledged card with all the functions and free service. The product is relatively new, and it is not yet known exactly whether it will take root in the banking system or will be replaced by another. It is possible that in the future a decision will be made to make some adjustments to its tariff schedule.

What should you pay attention to?

Many people apply for Sberbank debit cards to receive salaries, pensions, scholarships, social benefits, and simply for convenient storage and use of funds.

Types of debit cards from Sberbank

Sberbank has a large variety of debit cards, and individuals will not have a problem choosing a plastic card, since the bank has made sure that they meet the needs of each person. When choosing a debit card, you should pay attention to the possibilities of the plastic card and the terms of provision.

Tariffs are varied, and cards will differ in the following parameters:

1. Validity.
2. Payment systems (Visa and MasterCard, MIR).
3. Price per issue and cost of maintenance.
4. Availability of preferential conditions.
5. Ruble, dollar, or other currency cards.
6. Named or unnamed.

Bank debit cards are intended for storing and using a person’s personal funds; bank funds cannot be used (only if the person wishes to activate a paid overdraft service).

So that a person can decide which debit card to choose, below is an overview of all cards from Sberbank with their pros and cons, terms of use and receipt. By comparing the data, you can understand which Sberbank card is more profitable, and you can order several types if desired.

Youth card

There are two payment systems available for the production of this plastic (Visa and MasterCard), which make it convenient to use. To open plastic, a person must be over 14 years old, and the maximum age limit allows you to purchase plastic up to 25 years.

Youth cards are practically free, since the bank does not charge a commission for issuing them, but you will have to pay for maintenance annually.

Why this card is needed is a question that is often asked, since even children receive it. But children also need money, and if a child lives far from his parents, they can send him money to a card, which allows him to protect his funds from attacks by third parties.

Also, at the age of 15, many already receive a scholarship and plastic is simply necessary. In addition, using this Sberbank card, you can save money when paying in stores and this will create extra savings for a person.

Youth plastic card is provided under the following conditions:

• Annual maintenance is not expensive - 150 rubles.
• The debit card allows you to receive up to 10% THANK YOU bonuses at partner stores.
• When paying for other purchases, 0.5% bonuses will be awarded on the amount spent.
• Bonuses can be exchanged for money and paid with, the rate is 1:1.
• A bank card can be ordered with an individual design; such a personal card will allow you to stand out from the crowd, and young people love it.

The card itself is ordinary, but you won’t find a better one for a teenager, since Sberbank allows you to use the card on favorable terms using a bonus program to save money.

Classic debit cards from Sberbank

1. Visa;
2. Mastercard;

People most often have a classic card for salary, as it does not require much effort from a person to obtain and use, but provides a lot of advantages.

Let's compare the main differences between these three classic cards from Sberbank:

	WORLD	Mastercard	Visa
Fee for the first year of service, rub.	750	750	750
Fee for the second year of service and subsequent years, rub.	450	450	450
Validity	5 years	3 years	3 years
Daily maximum for withdrawals, rub.	300 thousand	300 thousand	300 thousand
Daily limit on transfers, rub.	500000	500000	500000
Currency	Rublevaya	You can get a dollar, euro and ruble card
Issue of additional cards	Absent	Yes	Yes
Availability and delivery costs	300 rubles	No delivery	No delivery
Piggy bank service	Yes	No	No

You can open a classic Sberbank card from the age of 14, an additional one is issued at least from the age of 7. Classic cards are always personalized, and therefore they take several days to produce, so you won’t be able to get a debit card quickly, but its advantages are worth it.

This simplest Sberbank card will make a person’s life easier, because with it you can:

• Pay in stores without cash.
• Transfer money to other people and to your other accounts.
• Open a debit account in any currency to use abroad.
• Withdraw money from any country and any ATM (but from third-party banks with a commission).
• Top up your mobile phone and pay for housing and communal services, fines, etc.

A classic debit card from Sberbank can be created with an individual design, which will make it very creative.

Momentum from Sberbank

It takes at most half an hour to issue a debit instant card, which is why it got its name. These plastic cards are unnamed, but with free service, which is a big plus, as well as free issuance.

A bank card is made quickly, but for this it has limited capabilities and small privileges:

• The card is not international; it can only be used within the Russian Federation.
• The plastic card works for three years, after which the user will receive another card of his choice free of charge.
• Participation in the “Thank you from Sberbank” program, which means savings on purchases.
• The opening can be carried out in three currencies - euros, dollars, rubles.
• You can use a plastic card to pay for purchases via the Internet, pay for mobile phones, utility bills, and pay at store checkouts.

Urgent issue within 30 minutes and free service are the main advantages for which this card is offered at Sberbank, because all other debit cards are provided with paid annual service, and the production time can be up to two weeks.

Gold cards from Sberbank

People who have a personalized plastic debit card of this class can enjoy certain privileges:

• Receive bonuses in the amount of 5% of spending when paying bills in cafes and restaurants.
• Crediting 1% bonuses from purchases in supermarkets.
• 0.5% is charged on all other purchases.
• If a person spends 15,000 rubles on a card in a month, then next month he can count on an increase in the number of bonuses.
• The price for annual maintenance is only 3,000 rubles.
• The maximum withdrawal amount is 300 thousand per day.
• You can transfer up to 500 thousand per day.
• Gold cards can be used in all countries.
• The validity period of a Visa and MasterCard is 3 years, and the MIR card is 5 years.
• Cardholders can count on round-the-clock support from consultants from the Sberbank call center.

You shouldn’t count on a debit card that is free in every sense of gold, but the bank can issue it without collecting a commission. Otherwise, the modest service fee is more than compensated by all the benefits of the card.

Aeroflot card

At Sberbank you can get a free Aeroflot debit card of three types (Classic, Gold, Premium), which allows you to receive bonuses when paying for plane tickets, obtaining insurance and other services related to flights.

The table shows the main parameters for the provision and use of these debit cards.

	Classical	Golden	Premium
Payment system	Visa	Visa	Visa
Validity	3 years
Currencies to open	Rubles, dollars, euros.
How much does the service cost in the first year, rub.	900	3500	12000
How much does maintenance cost in subsequent years, rub.	600	3500	12000
Daily limit for cash withdrawal, rub.	300000	600000	1 million
Limit on money transfer, rub.	500000

Sberbank credits miles to a person’s account for spending, which can then be exchanged for plane tickets or other things. On a classic card you get 1 mile for 60 rubles, on a gold card 1.5 miles, and on a premium card 2 miles.

Pension cards from Sberbank

Sberbank has developed two social cards for pensioners, MIR and Active Age (Mastercard).

The general conditions for their use are as follows:

• The cost of service for the year is 0 rubles.
• Issued with interest on the balance in the amount of 3.5%.
• Participation in the “Thank you from Sberbank” program is permitted under standard conditions.
• The currency for opening a debit card is rubles.
• The SMS card notification service is provided voluntarily upon payment of 30 rubles/month.

The MIR debit pension card is available to people from 18 years of age, but the active age for women and men is from 54 and 59 years, respectively. With the Mastercard card, it is possible to issue an additional card from the age of seven.

For pensioners, these programs are very convenient, as they help not only to spend less, but also to receive a small percentage on the balance, which is also a plus.

Card from Sberbank “Give Life”

This debit card looks extremely unusual, as it is made according to a design taken from the drawings of sick children. And it got its name exactly because it allows you to save someone’s life.

The card works like this:

• For each spend at the client's expense, 0.3% of the purchase amount is transferred to a charitable foundation.
• The bank also transfers 0.3% of the monthly amount spent on the card from its account.
• 50% of the service fee goes to a charitable foundation.

These small donations can save someone's life as they add up to a significant amount.

For a person who has a “Gift of Life” card, Sberbank also allows you to participate in the bonus program on more favorable terms - 5% for spending in cafes and restaurants, 1% for purchases in a supermarket, 0.5% for everything else.

Sberbank issues three types of cards, differing in terms of issue and service:

All types of “Give Life” cards are valid for three years, and after that you can issue a new debit card for free.

Types and cost of service

You can get a debit card from Sberbank for free, but you almost always have to pay for the service, and this price is one of the important criteria by which a person chooses a card for himself.

To make it easier to compare these parameters, a special table is presented below:

Card name	Cost of service in rubles
	First year	Second year and beyond
Youth (Visa and MasterCard)	150	150
Classic (Visa, MasterCard, MIR)	750	450
Momentum	For free	For free
Gold (Visa, MasterCard, MIR)	3000	3000
Aeroflot Classic	900	600
Aeroflot Golden	3500	3500
Aeroflot Premium	12000	12000
Pension (WORLD and Active age)	For free	For free
“Give Life” Classic	1000	450
“Give Life” Golden	4000	3000
“Give Life” Platinum	15000	10000

The cost of service is always higher, the more privileges Sberbank provides to the user, and you always have to pay for services. But if a person does not need all the functions of the card, then you can always choose the cheapest card with a minimum package of services and use it for your own pleasure.

How to get a debit card?

To receive any debit card from Sberbank, you need to go to a bank branch with your passport and leave a request. You can apply online on the bank’s website to save your time. After the card is ready, a Sberbank employee will call the contact number and tell you at which branch you can pick it up.

Video

Receipt times

All personalized cards are produced in approximately 1-2 weeks, but an instant debit card can be received within half an hour after submitting the application. If a person wants to get a debit card with an individual design, he will have to wait about a month, since this takes a lot of time.

Most clients are lost in choosing the best option that meets all the requirements. In this article we will look at what Sberbank cards there are, their types, features, and everyone will be able to determine which Sberbank card is best suited.

Main categories of cards issued by Sberbank

Before choosing a plastic card, you need to understand for what purposes it is used. If you intend to use borrowed funds from the bank, then it is advisable to order a credit card, and if the client uses his own money, then a debit card will cope with this task. In addition to being divided by type of use, Sberbank cards differ by type, each of which has its own advantages and disadvantages.

Each Sberbank card has its own task, based on which the client can choose the product of interest. So Sberbank offers for its clients or, which, in addition to performing basic functions, will accrue interest in the form. For those clients who are interested in bonus programs, Sberbank has released an additional series of plastic cards, which include and. If in the first case, for each purchase made with a card, the client will receive up to 20% cash back in the form of, as well as discounts in, etc., then using the second card, the client will accumulate bonus miles, with a sufficient number of which they can be use as payment for Aeroflot services.

Benefits of a debit card:

• Pay for goods in shopping centers and stores;
• Pay for services and goods online;
• Receive and spend bonuses;
• Save and store money.

Advantages of a credit card:

• Absence ;
• You can use credit money at any time an unlimited number of times.

Important! Borrowed money must be returned to avoid interest charges. Also, on a credit card you need to make a mandatory monthly payment of 5% of the debt amount + accrued interest. This payment must be made even during the grace period.

Having figured out what kind of Sberbank cards there are, you can begin to familiarize yourself with additional conditions and opportunities. The validity of these cards can be based on both personal privileges and general conditions.

Classic Sberbank card

The classic format of international cards is in constant demand: . This card is the most popular among Sberbank clients, as it combines basic functions and a low price for annual service in its package. If it is not possible to order other types of plastic cards, this is the best choice.

Main characteristics of Visa Classic:

• The ability to choose the currency we need - dollar, euro, ruble;
• Long validity period - 3 years;
• Providing a card in the first year costs 750 rubles, subsequent years - 450 rubles;
• Possibility of payroll calculation;
• The ability to receive and use additional cards;
• Chip card protection;
• Ability to use and ;
• Connecting a security system for online payments 3D-Secure;
• The ability to replenish, transfer and conduct other banking transactions through self-service terminals and ATMs, including those located outside the country;
• Connection.

If the card is lost while abroad, the client can withdraw money urgently, or link to one of the electronic payment systems (YandexMoney, etc.).

A similar package of services is available in the credit card category. The following conditions apply to them:

• A credit limit is set in the amount of 300,000 to 600,000 rubles;
• Grace period for repayment - 50 days;
• Interest on the loan - from 23.9% to 27.9% per year;
• Card servicing can be either free or paid - 750 rubles (in the case of a higher limit).

Main types of Sberbank debit cards

When choosing a debit card, the customer is asked to select the available options based on their preferences. Today, Sberbank offers several types of cards, with characteristic features, design, and service costs:

• . It is issued within 10 minutes and does not have personal data associated with it. This card is designed to provide a minimum number of services. Designed to pay for purchases and top up your account. There is no service fee;
  

  

• . Allows you to enjoy additional privileges and discounts in any country in the world. The card is provided with a high degree of security and personalized service. The cost is 3,000 rubles per year;
  

  

• . It has increased rates and also returns up to 10% of the amount spent in the form of “Thank you” bonuses to the card. Maintenance costs 4,900 rubles per year;
  

  

• . Part of the money from the funds spent is transferred to charitable foundations; Servicing ranges from 1,000 to 15,000 rubles per year, depending on the type of card.
  

  

• This card allows you to accumulate “miles” - a special category of bonuses for which you can pay for air travel services, as well as upgrade the class of service at Aeroflot and its partners. The service costs from 900 to 12,000 rubles, depending on the card.

  

• . This card has all the characteristics of a classic card, but with the ability to choose an individual design. Card pre-order is carried out only online through the official website or Sberbank Online. The client can choose a ready-made layout or offer his own after going through the verification procedure.

  

• This card awards “Thank you” bonuses and also has a low service cost of up to 150 rubles per year. Suitable for transfers, payments and scholarships.
  

  

• This card has all the above characteristics of the Youth Card, but with the ability to choose an individual design. The cost of this service is 500 rubles.
  

  

• A special feature of the card is the absence of physical media. The card is issued through Sberbank Online; it does not charge a service fee and is intended for paying for purchases using a mobile gadget.
  

  

• . Suitable for pensioners, it provides free service and a premium charge on the remaining balance in the amount of 3.5% per annum.

  

Types of Sberbank credit cards

Credit cards such as Molodezhnaya, Podari Zhizn and Aeroflot are similar to their debit counterparts. Existing types of credit cards differ in some functions and, of course, in the maximum limit amount. It can be:

After a month of using the credit card, you receive a detailed report on the status of your account and debt. If the required amount is deposited within 20 days of the current month, no interest will be charged for use.

To order a Sberbank credit card, you need to provide the following documents:

• Identity card (passport);
• A formal certificate from the place of work confirming solvency (it must indicate six months of reporting);
• A document confirming payments to the Pension Fund;
• Employment history;
• Employment contract;
• A document explaining the type of activity (license, etc.);
• Certificate of individual entrepreneurship (upon request).

There are also a number of requirements for the borrower himself. The total work experience must be at least 12 months over the last 5 years, as well as at least 6 months at the current place of work.

What to look for when choosing a card

In addition to the above-described characteristics inherent in each type of card, Sberbank plastic cards also have security measures against fraudsters. Each card has a PIN code that cannot be shared or shown to anyone.

To protect your card as much as possible from fraudsters, Sberbank suggests using. An insurance policy can be issued at a bank branch or simply online. The procedure takes a few minutes. This protection is valid for 12 months. However, it should be noted that the insurance period officially comes into force two weeks from the date of payment of the insurance.