Sberbank credit card: user reviews

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

Today, Sberbank offers citizens a huge selection of banking products. Credit cards are the most popular among them. What this card is, what it is for and how it works will be described in this article. Judging by the reviews, the Sberbank credit card for 50 days has won its place in the hearts and wallets of the citizens of our country. This is a product that allows you to freely use the bank's funds for a certain period of time, without paying interest. This Sberbank credit card, according to customer reviews, is in high demand among those who need money, which can be returned in a fairly short time.

Card issuer

Sberbank is the largest bank in our country and neighboring countries. According to official statistics, its assets make up about twenty-five percent of the entire banking system of Russia, while its share in banking capital is about one-third. Sberbankis a modern credit institution. It satisfies the needs of citizens and organizations through the provision of quality banking products. The bank is recognized as one of the main creditors of the economy of our country. The basis of the business of this credit institution is attracting client funds and ensuring their 100% safety. The key to the success of Sberbank lies in the development of mutually beneficial relationships with private and corporate clients.

One of the bank's most popular services is lending to private clients. A credit card is a product designed to carry out such transactions, for which settlements are carried out only at the expense of funds provided by a commercial institution in accordance with the terms of the loan agreement prescribed in advance. Each bank necessarily sets a limit on the amount that a client can dispose of, based on what his financial situation is. Terms of use, Sberbank credit card interest, according to borrowers, compare favorably with similar services offered by other commercial institutions.

Types of cards with a grace period for crediting

Sberbank credit cards, according to customer reviews, remain one of the most popular in the banking market. Here is a list of cards:

• Credit cards "Visa" with bonuses. Now it is possible to get a classic or instant Visa card with a FIFA design or a Visa gold credit card with a regular design until July 31 of this year. You can pay for purchases and returnyourself 5% for the services of cafes and restaurants, as well as 20% when paying for goods in sports stores until the end of this year. The card provides a unique discount program from the international payment system "Visa", the ability to manage an account through the "Mobile Bank" and "Sberbank Online" services, and also allows you to conduct transactions in a virtual space in a secure mode. Clients can replenish cards in any way and link them to electronic wallets ("Yandex" and others).
• Master Kart cards (classic, gold and premium). Sberbank Mastercard credit cards, according to user reviews, make it possible to pay for goods in many countries of the world, receive a card on special conditions, use various services, including participation in drawings of gifts and prizes.
• Visa cards "Aeroflot" (classic, gold and premium). The main advantages of these credit cards are the presence of bonuses, the accrual of miles after each payment for goods or services, as well as after purchasing tickets through Aeroflot. For example, judging by passenger reviews of the Sberbank Visa Gold credit card, customers appreciate the product for the function of linking multiple accounts, the ability to use the card anywhere in the world, and the availability of additional services, including, for example, the right to purchase a membership, beloved by many passengers to IAPA.
• Card Visa "Give life". According to customer reviews, the Podari Zhizn credit card of Sberbank is rightfully considered one of the mostsuccessful charitable projects of the bank.

Differences in payment systems

"Visa" and "Master Card" are among the most famous and widespread payment systems. They allow you to pay for purchases and services.

Visa

The American payment system "Visa" is used in two hundred countries of the world. She owns a third of all the cards on the planet. Dollars are the main currency for Visa. In the USA it is better to use it. The credit card of Sberbank "Visa Gold", according to reviews, is the most popular product issued by the bank. Its benefits are listed below.

The system offers a premium level product. And this is no longer just a card, but a symbol of your position in society, emphasizing the solvency of the owner. Gold level cards en title you to a number of special services. The Visa payment system provides its customers with specialized assistance abroad. Remember that in addition to the payment system service, there are also bank services. Often the functionality of the card is supplemented by offers from the issuer itself.

Master Card

Master Card is headquartered in the US, but its base currency is Euro. In Europe, it is better to use this particular card. According to customer reviews, the Sberbank Master Card credit card never causes problems for customers working and traveling in European countries. It is worth writing about the program of discounts and privileges of the international level "Pricelesscity", which started many years ago. Today, this status has been assigned to several metropolitan cities on all continents: London, Sydney, Toronto, the capital of our country and several other settlements. The main goal of the program is an individual approach to the interests of each cardholder. The program is tied to cooperation with museums, restaurants and recreation areas, which allows cardholders to enjoy unique discounts provided by program partners.

According to reviews of "Master Kart Gold" from Sberbank, a credit card provides an opportunity to receive discounts when renting cars abroad, en titles you to participate in discount programs and allows you to receive them from partners of a credit institution.

Levels of "Visa" and "Master Card" credit cards

• Products "Visa Classic" and "Master Card Standard" are universal cards that provide many opportunities for their users. The maximum amount is 600,000 rubles. Loan rate from 23.9% to 27.9%. The commission is 3%. You can withdraw up to 50,000 rubles in cash per day through an ATM, and up to 150,000 rubles through the cash desk of an institution. There is no annual maintenance fee.
• Cards "Visa Gold" and "Master Card Gold". These Sberbank credit cards, according to reviews, are premium products that provide access to special offers. The maximum amount is 600,000. The minimum interest on a loan is from 23.9% to 27,9 %. Annual payment for maintenance from zero to three thousand rubles a year. Through an ATM, you can withdraw a maximum of 100,000 rubles in cash, through a cash desk - 300,000 rubles. First of all, according to customer reviews, the advantages of a Sberbank gold credit card include permission to overdraft an account, the possibility of using it anywhere in the world and obtaining such a bank card on pre-agreed conditions. Additional opportunities provided by the bank also delight customers. Such services, according to customer reviews of the Sberbank gold credit card, include insurance, discounts on other banking products, use of the helpdesk, membership in the special Countdown program, the purchase of membership in IAPA, and car rental from HERTZ.

Platinum cards

Products Visa Signature and "Master Card" World Black Edition are credit cards that can be returned to the holder's account up to 10% of the cost of purchases. The maximum amount is up to 3,000,000 rubles. Interest rate from 21.9%. The price of annual maintenance is up to 12,000 rubles. According to reviews, the conditions for using Sberbank credit cards in this segment attract the attention of successful business people who know a lot about high-quality banking products.

VISA card "Give life"

According to reviews, the conditions for using the Podari Zhizn credit card of Sberbank are very attractive. Let's list them:

• The card is valid for three years.
• The cost of maintenance is from 0 to 900 rubles per year.
• Maximum credit limit - no more than 600,000 rubles as part of an individual offer to customers and up to 300,000 rubles as part of a general offer.
• Loan rate from 23.9% to 27.9%.
• Interest free period - 50 days.
• It is not possible to issue additional cards.

According to reviews, the Podari Zhizn credit card of Sberbank allows you to carry out acts of charity on an ongoing basis, because 0.3% of each purchase is transferred to the aid fund.

Credit Card Terms

To obtain a Sberbank credit card for 50 days, you must meet the following bank requirements:

• Be a citizen of the country.
• Have at least six months of work experience.
• The age of the borrower is not less than twenty-one years and not more than sixty-five years.
• Have a good credit history.

Documents for issuing a credit card

Many customers write positive reviews about the Sberbank credit card for 50 days, noting that a small package of documents must be provided to receive the product:

• Citizen's passport indicating the place of registration.
• TIN.
• Income certificate with a loan amount of more than one hundred thousand rubles.
• Certificate in form No. 2 of personal income tax in the absence of a salary account in a credit institution of Sberbank.

Card Limit Information

There are several ways to clarify the card limit:

• SMS message with the word"BALANCE" and the last four digits on the card to the phone number 900.
• Sberbank Online client application.
• Personal account of a citizen on the official website of a commercial bank.
• Self-service device (payment terminal, ATM).

Loan repayment methods

There are several convenient options for the cardholder to pay off debt on a Sberbank credit card:

• Cash at a bank branch or self-service machine.
• Cashless method (transfer from card or account).
• With a bank card, through a personal account.

Reviews

We give generalized reviews on the conditions of Sberbank credit cards. This will help potential customers make their choice:

• According to customer reviews, a Sberbank credit card allows you to get a loan for citizens with a fairly large limit (six hundred thousand rubles). If the client does not apply to the bank for the first time and has no comments on previously issued loans, the bank may increase the maximum amount.
• Interest on a Sberbank credit card, according to customer reviews, is always charged only on funds that were withdrawn from the card. There are no additional charges.
• Many users have difficulty understanding the terms of use of a Sberbank credit card. According to reviews, interest accrued after the end of the grace period for lending is oftenturn out to be more than expected by customers. Here you can give the only advice: you need to clearly understand how long the grace period lasts. For example, if the reporting period started on June 8, and payments for purchases were made on the same day, then there is time until July 27 to pay off the debt without interest. If the purchase is paid on June 22, then thirty-five days remain until July 27 to pay off the full amount of the debt at 0% (fifteen days of the reporting period and twenty days of the payment period). Remember that the duration of the grace period is easily calculated using the online calculator from Sberbank.
• Judging by the reviews of Sberbank credit cards, their main advantages are twofold. Firstly, in the ability to withdraw money throughout the country, as well as anywhere else in the world. Secondly, the ability to issue a card online.
• According to reviews of Sberbank credit cards, their main disadvantages are also in two points. First, the need to pay a fee for withdrawing cash. Secondly, the need to provide a certificate of income when agreeing on a card limit of more than one hundred thousand rubles. To do this, you must have a positive credit history and proof of employment.
• Reviews of "Master Card Gold" from Sberbank, a credit card of this level is called the most convenient means of payment. It is especially suitable for those who like to travel around Europe.
• Reviews on the credit card of Sberbank "Gold" from Visa confirm that it is possible to receive pleasantdiscounts at almost all airports in the world, which allows you to travel with special comfort.

Sberbank offers such a variety of products to its customers.