Gold card, Sberbank: reviews. Sberbank gold credit card: conditions

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

It has long been no secret to anyone that Sberbank provides very favorable conditions for credit cards. The Gold Credit Card is one of the most beneficial products available for Preferred Customers.

General information

Sberbank Gold credit cards have a limit on the maximum credit limit. It is 600 thousand rubles. The interest rate on them is 23%. The cost of annual maintenance is three thousand rubles.

As for the commission, it is exactly the same as for other types of cards - 3%, but not less than 400 rubles. The minimum monthly payment is five percent of the total debt. The gold card (Sberbank) has very good reviews, as its use is very beneficial for customers.

When applying for a credit card, it will be processed within a few days.

Who can get such a credit card?

Using a Sberbank Gold Card is, of course, a profitable business, but not everyone can get it. To apply for such a card,The borrower must be at least 21 years of age and not older than 65 years of age. Also, he must have at least one year of work experience and at least six months in the last place.

Here, you should definitely pay attention to the fact that if you do not receive wages at Sberbank, then you will need to confirm your income with a certificate, and employment with a copy of the work book.

Sberbank Gold Card: Terms of Use for Preferential Clients

Sberbank's so-called privileged category of clients are participants in salary projects, holders of simple debit cards, deposit holders, and people who already have any kind of loan.

These categories of customers can safely count on the fact that the proposal for the Gold Card will already be pre-approved. In this situation, you just need to apply with a passport to issue and receive a card at Sberbank.

Gold credit card has another nice addition - a reduced interest rate of 17.9% per annum, no need to pay annual maintenance and a maximum credit line. But before receiving a card, you should still find out in more detail on what conditions Sberbank provides it. A gold credit card can solve a lot of problems with cash and the need to find money for large purchases.

What are the benefits of Gold Cards?

Active discount program for premium cardholders

Various bonuses for class card holdersGold is provided mainly not by Sberbank itself, but by one or another payment system.

For example, a card with the Visa payment system allows its owner to take part in the World of Privilege program, which operates in 20 thousand points around the globe.

When paying for various purchases using the Sberbank Gold Card from program partners, the cardholder will not only receive good discounts, but also a variety of compliments, bonuses and special offers.

Bonus program "Thank you from Sberbank"

These bonuses are accrued to owners directly by Sberbank (one such bonus is equal to one ruble of discount). In the first three months after the client registers in the program, he will be credited to the bonus account with 1.5% from each purchase. After this period expires, the number of bonuses will drop to 0.5%.

Emergency cash withdrawal if the card is lost abroad

If a situation arises when a client is abroad and for some reason cannot receive funds from his card (theft, loss or damage), funds in the amount of up to five thousand dollars can be issued to the owner of the credit card in cash. In this case, no commissions will be charged.

The Gold Card (Sberbank) can provide these privileges. Customer reviews show that using such programs is really very convenient and even profitable.

What other gold credit card options are there?

In addition to the fact that Sberbank offers Gold credit cards for use, it alsohas three types of co-branded cards in stock: for flights, for conversations and for charity.

1. Card for flights, otherwise called Visa Aeroflot Gold. It enables its holder to receive 1.5 miles for every thirty rubles spent from the card. After the very first transaction on the card, a welcome bonus of a thousand miles is still accrued. These bonuses can be easily exchanged for a discount on airline tickets from Aeroflot or for an upgrade. The Sberbank gold card also has disadvantages in this case. Upon receipt of a card with a co-brand, the client is deprived of the opportunity to participate in the Thank You from Sberbank bonus program.
2. The second type of card, called "For conversations", is nothing more than an MTS MasterCard Gold card. Here is the same system as the previous type of cards. For every thirty rubles, one bonus point is awarded, and 600 points are given for the first operation. These nice gifts can be spent on free messages, minutes of conversation, the Internet and more.
3. As for charity, there is a separate type of card for it, called "Give Life" Gold. Here, from each purchase made, 0.3% is deducted to a charitable foundation. Also, half of the cost of annual maintenance is deducted to his own account.

It's very important to remember that any co-branded card costs a little more than a regular one. The cost of annual maintenance is 500 rubles more and amounts to three thousandrubles. This is another unpleasant drawback that the Golden Card has. Sberbank receives very different reviews for this type of service. Someone does not interfere with the increased annual service, but someone does not like it.

Differences between "gold" cards and "classic" cards

First of all, it is the interest rate. On the "gold" card, it is one point lower than on the classic one. Annual maintenance is very different. For the first type of card, it is 3-3.5 thousand rubles, and for the second - only 750 rubles.

"Golden" credit card can only be issued to borrowers with high confirmed monthly income, or regular customers of the bank. The classic card does not have most of the privileges that are provided to Gold cardholders.

Sberbank's gold credit card has different conditions from the classic one. But it also makes sense. Since such a card has a higher class, and the limits for it are much higher.

What can other banks offer?

VTB 24

VTB 24 Bank offers a choice of eight types of "golden" credit cards, ranging from the standard version to a co-branded product. With a credit card from this bank, you can travel profitably with Russian Railways, Transaero and UTair.

As for the conditions of registration, they practically do not differ from those established by Sberbank. Also, the interest rate is almost the same. But there is still a difference.

For example, annual card serviceVTB 24 is two thousand rubles for the first year of service, and for each subsequent year - four thousand. Unlike the fact that the Sberbank Gold Card costs only three thousand. The downsides are obvious.

Russian Standard Bank

Russian Standard has a slightly smaller line of "gold" credit cards and consists of only five types of cards. They allow you to purchase goods from the Malina catalog at great discounts, receive bonuses to your WebMoney wallet and use various special offers from the UNICS basketball club.

Here it should be said that the interest rate on the cards of this bank is much higher and amounts to a maximum of 29 percent. But, despite this, their credit limit is higher and ranges from 750 thousand to a million rubles.

As for the conditions of registration, it is not required to confirm income here, since the card is issued using only two documents.

Alfa-Bank

Alfa-Bank offers its customers six different options for "gold" cards.

Besides the fact that you can get great discounts on cards, there are completely unique programs for customers. For example, a credit card called "100 days without interest Gold" allows its holder to use the bank's funds within the established limit for one hundred days without interest. With all this, such a long grace period applies not only to non-cash transactions, but also to cash withdrawals.

The maximum interest rate on a "gold" credit card forAlfa-Bank is 33%, and the minimum is 18%.

The grace period is usually 60 days, but the maximum limit is three hundred thousand rubles.

It is worth saying that the issuance of a "gold" credit card is carried out upon the provision of only two documents. However, proof of income is not required. This can be done if you want the interest rate to be as low as possible.

Conclusion

In general, any client who can confirm the level of their income and employment can apply for a Gold credit card at Sberbank. But the most favorable conditions will be only for selected clients: participants in salary projects, depositors and those who have a good credit history.

Preferential category of customers can easily count on the maximum limit on the card and the lowest interest rate, as well as the complete absence of annual maintenance.

It should be noted that of all the banks represented, only Sberbank asks to confirm their income. Also, despite the fact that the conditions for providing cards are a bit harsh, using them is very simple and profitable. Here is such a simple Golden Card. Sberbank receives more positive than negative reviews on this product, so it still makes sense to use such a card, even despite the high cost of annual maintenance.