Visa gold service. Sberbank Visa Gold credit card review

Plastic cards have long become for many Russians an indispensable tool and assistant, without which shopping trips and various tours do not take place. The use of plastic gives holders a lot of advantages - from the possibility of successfully accumulating the required amount to participating in various promotions that also bring benefits. Sberbank is the largest and most reliable bank in Russia.

This powerful and well-established financial institution provides its customers with an extensive range of products, including credit and debit cards. Among the extensive choice of plastic, a special place is occupied by gold credit card from Sberbank, the terms of use of which are slightly different from the classic ones and give the owners some benefits and many other pleasant bonuses.

Sberbank gold cards have a number of privileges

Card Features-Premium

Making and receiving such plastic is an excellent opportunity to greatly improve the standard of living and status, as well as to have some other privileges that are not available to owners of ordinary plastic. For example, a Visa Gold credit card from Sberbank, although it has a more expensive service, allows you to withdraw funds abroad, as well as receive a certain percentage for the remaining funds on plastic.

"Golden" plastic from Sberbank has two varieties - it can be credit and debit.

Cards of this level are issued by Visa and Mastercard payment systems. It is allowed to order their registration at any Sberbank branch, or using remote access (through Sberbank-Online).

The difference between a premium card and a standard one

Plastic of this level has good advantages and compares favorably in terms of working conditions with classic, standard cards. In particular:

1. The "gold" ones use additional protection (a specially built-in chip).
2. Other modern innovative protection technologies are also used.
3. Such plastic can be used to make purchases on the Internet and in regular stores. It has a special chip device for committing various types payment

It is worth describing the existing other privileges for holders of "golden" plastic. Reviews of holders note the following, the most important nuances:

• 24/7 customer support;
• the possibility of urgent blocking of plastic;
• conclusion Money at any time convenient for the owner;
• participation in an extended system of bonuses and discounts for payment for goods or services;
• connection of the ticket booking service for visiting restaurants and timely provision of the consumer with all the necessary information.

Already in the process of issuing "golden" plastic, the Sber employee will explain in detail to the future holder what grace period exists. He will also tell about the established rules for accumulating interest when conducting cash withdrawal operations.

Advantages and disadvantages

Reviewing and comparing credit card terms Sberbank Mastercard Gold and Visa, one can note a number of undeniable advantages of such plastic in comparison with the usual one. In particular:

• setting up auto payments (if necessary);
• making financial transactions in any country of the world;
• the possibility of linking "gold" plastic to E-wallets;
• increased degree of protection of finances lying on the card;
• grace period up to 50 days (no interest);
• no prohibitions on withdrawing cash from a debit card abroad;
• permission to manage an account by remote access using a cellular phone;
• round-the-clock service for holders of "golden" plastic in the call center;
• free service for informing the client about news via SMS;
• in case of loss of plastic abroad, a quick refund (after calling the support service);
• an increased number of various bonuses for operations carried out with the help of "gold" plastic.

The obvious disadvantages of the user's Premium cards include the following:

• increased credit rate;
• overcharge for card service;
• not profitable terms cash withdrawals in banking systems that are not related to Sberbank;
• too high (in the opinion of many) requirements for plastic owners (this applies to age restrictions and work experience).

The owners of "gold" plastic are also dissatisfied with the lack of cashbacks - bonus units that owners of other cards accumulate when paying by bank transfer. Considering all the pros and cons, one can still be inclined that there are more advantages of Premium cards.

Features of use

Sberbank offers to issue this plastic to its active clients - those persons who have a salary card or a deposit account. After activation, the Sberbank Visa Gold credit card, whose working conditions are almost identical to those of Mastercard Gold, allows you to make purchases, paying even for those goods that are presented in euros or dollars.

It is worth noting the following features of the use of "gold" credit cards:

• plastic is valid for 3 years;
• the Grace Period is also relevant, it is 50 days;
• the maximum limit on Premium cards is 600,000 rubles;
• annually, a payment of 3,000 rubles is charged from the holder of "golden" plastic;
• initially, the credit rate is 33.9%, but later it can be lowered (for example, when making a personal agreement, it drops to 25.9%).

With the skillful use of such cards, they become real helpers of their owners, delighting them with various bonuses and a number of useful additional features. And the grace period also gives interest-free use of the loan - until its end.

Existing requirements for holders

Before proceeding with the design of "golden" plastic, you need to know that it is issued only to persons who have reached the age of 21 and have not yet managed to cross the 65-year mark. Age will be checked by a bank employee when applying. He will also study the citizenship of a person (Premium cards are issued only to Russians with a permanent residence permit).

The requirements also apply to the work experience of a person. The future owner of the "golden" plastic must have a permanent job, and at the last place of service, the future owner of the plastic must work for six months. By the way, they can also check the total working time for the last 5 years (the working period must be at least a year).

Interest rates

When using the Premium card during the grace period (50 days), interest is not charged. But the situation changes if the consumer does not replenish the spent funds before the end of the Grace period - then the debt will increase by 5% of the total amount of the credit card. If the owner of the "golden" plastic misses the payment deadline, then the interest rate will increase significantly and amount to 36%.

The use of "gold" Premium-cards becomes profitable if the debt is repaid on time or the amount of the withdrawn funds is returned before the expiration of the grace period.

How to apply for a Gold card and is it worth taking

You can get a Premium card when you personally visit the bank office and after writing and filling out an application. By the way, an application can also be submitted in advance by issuing it using a remote service (in this case, the future owner of the plastic should indicate the data of his place of work and contact information). A bank employee will contact the applicant and conduct a short questionnaire. And after receiving approval, you can visit a bank branch and get a card in your hands.

The questionnaire, which the future owner of the Premium card will have to fill out, consists of the following block questions:

1. All parameters of the ordered "golden" card.
2. Consumer information (contact/personal).
3. Consent of the future plastic owner to the processing of his personal data.
4. Employment data (you will need a certificate of income, from the place of service and an extract from the labor).

In addition to filling out this small questionnaire, the future Premium Card holder will have to provide the operator with a package of certificates. Moreover, the forms must be provided in originals and photocopies. These are the following documents:

1. The passport.
2. Employment book or employment contract.
3. Help from their accounting department at the place of work (form 2NDFL).
4. Certificate of accrued pensions (for persons of retirement age).

After submitting the application and providing all the necessary documents, the bank will consider the application within 14 days. Approval or refusal will come to the client via SMS.

How to close a credit card

It is worth remembering that even if the Premium card is not used (however, like any other plastic carrier), the bank will not charge and calculate interest for the service (and they will go even when the owner does not use it). Therefore, if there is no need for such plastic, you should not throw cards into the cabinet compartments, but try to close it as soon as possible.

The whole procedure for closing the card is reduced to the following steps:

1. Full repayment of all existing debt on the card. You can find out the exact amount required in this plan by calling the bank's call center or through the Sberbank-Online service.
2. Filling out an application for closing the card and signing the termination of the service agreement. And remember that the consumer must perform all these actions at the branch of Sberbank where he once ordered the card. At this stage, the client gives the card itself, and the Sber employee is obliged to destroy it (necessarily in the presence of the owner himself).
3. Now is the time to settle possible disputes. The lender has 30 days to do so. After their expiration (with a zero card balance), the account is closed.

Experts strongly advise after the expiration of the 30-day period to visit the bank again and request a certificate of closing the account on the card. This step is expedient and necessary for the consumer. After all, such a document gives a guarantee that the lender will not subsequently present any claims to the client.

In contact with

"Plastic" is issued for a period of validity of 3 years. After this time, the lender automatically reissues the product. If the owner of a credit card wishes to refuse further use of it, he is obliged to notify the creditor in writing. This must be done 45 days before the expiration date of the "plastic".

One of the prerequisites for obtaining a credit card is to connect to the Mobile Bank. At the same time, the payment for using the service is not charged from the owner of the gold product.

Cash withdrawal from the card account is carried out within the daily spending limit. At the same time, a commission is charged for cash withdrawal operations:

The percentage is charged based on the withdrawal amount, but at the same time, at least 390 rubles are withheld from the client. The specified rate is applied without taking into account the commission charged by subsidiaries and other financial institutions. The cardholder has the right to withdraw cash in foreign currency. On the territory of the Russian Federation, such transactions are available at the lender's cash desk, as well as at branches and ATMs of other institutions that provide such an opportunity.

The lender has set restrictions on cash withdrawal operations:

Gold card holders have access to the emergency cash withdrawal service. It is provided at the request of a client located outside the country, if he himself cannot conduct a transaction. For example, if the card is lost, due to a technical failure, etc. The amount that the client will receive for one emergency issuance operation is equivalent to no more than 5 thousand US dollars.

For servicing a premium product account, the lender charges an annual fee of 3,000 rubles. For partner cards of this type, the amount is 3.5 thousand rubles. in year. At the same time, no service fee is charged for the "plastic" approved by the creditor in advance. The exception is the Aeroflot Gold card. The bank also rates its annual support at a standard rate.

An essential convenience for the holder of a gold credit card is the ability to operate its funds remotely. To do this, the product owner needs to connect to the Sberbank Online @ yn service. The service capabilities of the automated system allow the user to:

• own detailed information about the state of the card;
• , in particular, pay for utilities, communications, fines, etc.;
• activate and set the parameters of the "Autopayment" function;
• make transfers between your accounts/cards;
• book and pay for air tickets/hotels, etc.

Plastic cards in the status of "gold" 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 customers with the opportunity to issue a gold credit card in two payment systems - MasterCard and Visa. The latter is the most common, as it offers favorable credit conditions and other advantages over similar cards from other banks. In this article, we will consider in detail all the pros and cons of the Sberbank Visa Gold credit card and reviews.

Card design

Holding a gold card is really 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 takes place at a fairly favorable rate. You can also join the bonus program "Thank you from Sberbank" to it. Conditions and reviews on the Visa Gold credit card are of interest to many.

Requirements for the borrower

It is issued with a certain limit of cash as a loan. The bank makes demands on the borrower, namely:

1. The client must be at least 21 years of age and not older than 65 years of age. 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 by a copy of the work book.

Application online

The preliminary application can be filled online via the Internet without leaving your home or office. The form is on the official website of the bank. If the decision on the application is positive, you must contact the bank with documents for issuing a card. The received documents will be checked by the bank's security service for authenticity, so the consideration of the application may take several days.

Reviews of the Visa Gold credit card from Sberbank are plentiful.

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. Grace return period - 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, upon approval of a credit card, individual loan parameters are selected. The bank sets the interest and limit on the card in advance. The advantage of the bank's 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 to be really beneficial. SMS notifications are also provided free of charge.

Using a grace period

Many cardholders are unaware of all the features of the Grace Refund Period. If you know exactly the conditions of the grace period, you will be able to use a loan without paying interest to the bank.

The Visa Gold credit card provides a grace period of 50 days for a refund. From the moment of signing the agreement, the first month of using the card is considered the billing period. You can pay for purchases and services within a month. In the next 20 days, you can return the spent funds without paying interest for using the loan. This period is called the pay period.

It is necessary to carefully calculate the grace period so as not to miss the moment of paying the loan. In the agreement with Sberbank, when issuing a Visa Gold card, the start date of the grace period will be required. 30 days after it - the period of use of credit funds. Moreover, it does not matter at all on which day of these 30 you started using the card. After this period, there are exactly 20 days to fully cover the debt. Otherwise, after 50 days, the bank will charge interest on the amount taken. Reviews of the Visa Gold credit card from Sberbank are mostly positive.

If the holder did not have time to return the funds taken in the first month of the grace period, interest is charged. In this case, the minimum allowable payment is 5% of the debt amount. The Bank promptly notifies customers of the need to pay the debt. Another important point is that the grace period is valid only for cashless payments. That is, when withdrawing cash from the card, interest will have to be paid in any case.

Visa Gold from Sberbank - conditions

It is advisable to use a credit card only for cashless payments. It is highly not recommended to withdraw cash from it; for this purpose, it is easier to get a 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 in the amount of 3 thousand rubles will be deducted from the card. If the credit card contains own funds client, a commission is still charged when withdrawing cash.

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 on the 2-NDFL certificate, the larger the limit you can get and the lower the annual interest rate.

Before announcing the decision to issue a credit card, the bank determines all the conditions for granting a loan individually. Getting a gold credit card will be easier for those who are members of the salary program from Sberbank. In this case, the main factor that the bank will consider when making a decision is the borrower's credit history.

Consider the positive and negative qualities of the Visa Gold credit card from Sberbank of Russia.

Pros and cons

There is a widespread belief that only a financially wealthy person can apply for a gold credit card. However, this opinion is erroneous. Absolutely anyone can do this, regardless of income. However, before you make 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 rates on loans.

3. Getting cash abroad.

4. Pay for purchases while traveling.

5. Bonus programs from the bank and the payment system.

6. Increased card limit.

7. Online services that are convenient to use.

8. Client's age is over 21 years old.

9. Free use mobile bank.

A significant disadvantage of the gold card is the costly service (this applies to customers 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 penalty for late fulfillment of obligations to return borrowed funds is also large.

Additionally: 5% of purchases are returned as bonuses Thank you when paying in restaurants, cafes (max 2,000 bonuses) and 1% in supermarkets (max 1,000 bonuses). Increased bonuses are accrued when spending on cards of at least 15,000 rubles per month. The total amount of bonuses cannot be more than 3,000.

The Thank You from Sberbank bonus program provides for 4 levels organized according to a progressive system (gold card holders participate from the Thank you very much level):

1. "Thank you" - accrual of bonuses from program partners;
2. "Thank you very much" - accrual of bonuses from program partners and accrual of bonuses from the bank, subject to the conditions;
3. "Thank you so much" - accrual of bonuses from program partners and accrual of bonuses from the bank, subject to the conditions, connection of 1st category of purchases without using bonuses and connection of 1st category of purchases using bonuses;
4. “More than Thank you” - accrual of bonuses from program partners and accrual of bonuses from the bank, subject to conditions, activation of 2 categories of purchases without using bonuses and activation of 2 categories of purchases using bonuses. Converting bonuses into rubles at the rate of 1 bonus = 0.5 rubles (you can exchange up to 10,000 bonuses per month).

Levels are assigned to participants by an authorized company based on the results of the billing period, depending on the activity of the participant and his actions. Sberbank accrues bonuses in the amount of 0.5% of the purchase amount for every full 100 rubles of the bonus transaction (except for the “Thank you” level). Additionally: up to 30% bonuses can be received for purchases from program partners.

The maximum amount of increased bonuses for a member within the connected purchase categories cannot exceed:

• At the Thank You Level - 3,000 bonuses in the billing period and the post-period following it for all connected purchase categories.
• At the Privilege Level "More than Thank You" - 4500 bonuses in the billing period and the following post-period for all connected purchase categories.

With partners of the Thank You from Sberbank program, you can exchange your bonuses for a discount of up to 99% of the purchase price, 1 Thank You bonus = 1 ruble of discount. Bonuses are valid for 36 months.

• Programs of discounts and privileges for premium cards from international payment systems Visa Intl. (www.visapremium.ru) and MasterCard Worldwide (https://www.priceless.com/moscow/).
• Account management and payments and transfers through the remote services "Mobile Bank" and "Sberbank Online@yn".
• "Auto payment" for payment cellular communication, housing and communal services and other services.
• Linking a card to electronic wallets, for example, Yandex.Money.

Secure and easy-to-use payment services: Apple Pay, Samsung Pay and Google Pay.

Discounts and privileges on Mastercard cards of Sberbank.

Until April 30, for purchases at Pyaterochka with VISA cards, get up to 100% bonuses Thank you. Details of the promotion on the bank's website.

From April 10 to May 10, 2019, exchange from 200 THANKS for coupons with a discount of up to 500 rubles when shopping with a Sberbank card in Perekrestok supermarkets. Details of the promotion on the bank's website.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 business days, in the regions, production and delivery will take from 3 to 10 business 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, then the production time will be considered 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 obtain a card?

To pick up the card, please bring your passport or other document that was used to apply for the card. To get 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 is to 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 at personal account Sberbank Online and at a Sberbank ATM - find the "Thank you from Sberbank" section and follow the prompts.

Bonuses are credited automatically when paying by card - their number depends on the privilege level.

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

How can I use THANKS 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, SPASIBO bonuses can be exchanged for a discount when buying air tickets and hotel accommodation (on the Thank you from Sberbank. Travel website). Also, bonuses can be exchanged for discounts when buying tickets for events - the service is available on the site "Thank you from Sberbank, Impressions".

How can I find out my card details?

For details, in mobile application Sberbank Online, find the card you need 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" → "Details of transfer 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 scammers. Making purchases without presenting a card and entering a PIN code is much safer, since no one sees the card details. In addition, contactless technology protects against double charges - after paying for the purchase, the terminal beeps and turns off automatically.