Sberbank cards: types. Sberbank: types of plastic cards

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

Due to the wide development of the card market, great opportunities are opening up for banking customers. In the conditions of fierce competition, credit institutions present products that have additional features and participate in partner programs. Sberbank is no exception here either and offers a wide range of classic-level cards, bonus, debit and credit cards. Now we will discuss the question of what Sberbank cards are. The species are quite diverse, let's look at each one separately.

How to choose a Sberbank card?

The choice of a debit card should be made based on your needs, financial capabilities and lifestyle. In this case, you will be able to take full advantage of all the benefits of this tool and get the maximum benefit for yourself.

Despite the fact that Sberbank cards have completely different types, their payment systems are mainly Visaand MasterCard, accepted for payment worldwide. These payment systems differ in that Visa is more common in the USA, Latin America, Australia and Canada, while MasterCard is more common in European countries and Africa.

Another difference is that the Visa payment system charges a fee of 0.65% of the total payment amount for currency conversion operations. As for MasterCard, it does not charge any commission at all.

Instant Issue Cards

If you need a card urgently and you can't wait a couple of weeks, you can get a card immediately when you contact a bank branch. To do this, you need to conclude a banking service agreement. In addition, Sberbank offers types of plastic cards that do not have an annual service. Also, you don't have to pay anything for the card itself. This option is the fastest and most economical, allowing you to pay for purchases in stores and services, replenish and withdraw cash. These cards are not registered, they can be used on the territory of the country, and they can also be used to make payments via the Internet.

Sberbank youth debit cards

The types of these cards were developed specifically to meet all the needs of young people under 25 years old. Their virtues are as follows:

• Annual maintenance costs only 150 rubles.
• No withdrawal feethrough an ATM within the daily limit.
• There is no fee for cash deposits nationwide.
• Universal application across the country and beyond.
• The ability to shop online.

Visa Electron and Maestro debit cards

Sberbank offers types of Visa Electron and Maestro salary cards, and classic level cards can also be such, but we will talk about them later. These are universal cards that allow you to make transactions in self-service zones throughout the region. Annual service on the card is 300 rubles. The daily withdrawal limit is only fifty thousand rubles. If the required amount is higher than the established limit, then in this case a commission of half a percent of the amount is charged. If you need to deposit or withdraw funds outside your region, a fee of 0.75% of the total amount will be charged. What are the benefits of Sberbank card data?

• These types of cards are relatively inexpensive.
• There are no fees for withdrawing and depositing cash within your home region.
• Ability to make any payments, including via the Internet.

These cards are best used if you are not going to travel anywhere outside the region so as not to pay commissions. Otherwise, it is better to apply for another card at Sberbank. There are different types of bank cards. Therefore, you can always choosethe right option for you.

Classic Sberbank cards

When receiving such a card, its owner receives an advantage in the form of uniform service conditions throughout the country and the world. You can withdraw cash within the established daily limit, which is 150 thousand rubles. In addition, you can receive funds without commission, but only Sberbank debit cards have this opportunity. The types of classic cards are basically the same in terms of conditions. They can be salary, personal, corporate and so on.

If the withdrawal is made from an ATM of another bank, then in this case the fee will be 1% of the amount + the fee set by the bank whose terminal is used. In addition, the card can be replenished without additional fees.

Classic card benefits:

• you can not worry about the safety of cash when going on a trip;
• no need to worry about currency exchange while abroad;
• shopping at very favorable banking rates abroad;
• you can withdraw funds in absolutely any currency, anywhere in the world.

Annual maintenance of this type of cards is 750 rubles.

Maestro social pension debit card

All citizens who are en titled to receive old-age, disability and survivor's pensions can issue such a card. It enables its holdernot only to keep, but also to increase their savings due to the quarterly accrual of interest on the balance of funds. The interest rate is 3.5% per annum. In addition, there are preferential terms of service provided by Sberbank. Bank cards - types of social cards and the conditions for their service - in principle, are no different from others, but at the same time they have a free annual service. Benefits of social cards:

• The opportunity to increase your savings.
• The ability to shop in all places where there is a cashless service.
• Possibility of independent payment of utilities using ATMs and terminals.
• Free annual service.

When using the card, be sure to remember that it is accepted for service only in the country. Cards of this level cannot be used as Sberbank salary cards. Their types are varied, and under the same conditions, you can use any other.

Gold cards of Sberbank

Cards of this level give their owners a huge number of opportunities. For this reason, it is worth spending a little more of your time and issuing just such Sberbank cards. The types of such plastic rectangles are no different from the rest. They can be salary, personal and credit. Making such plastic is not at all difficult. It is enough just to come to any branch of the bank at the place of your registration. If you do not have a permanent registration, then the requestis considered individually by the manager, and if he makes a positive decision, the card will be issued.

Be sure to remember the requirement that anyone wishing to issue a card must be at least 18 years old.

With the help of gold plastic cards, you can get many privileges. First of all, the currency of the card can be any, not necessarily ruble. It is for this reason that these cards are great for people who are constantly abroad. You can pay with Sberbank cards in all countries of the world where such an opportunity exists. Sberbank is also in close cooperation with various organizations, which, accordingly, allows gold card holders to receive bonuses and discounts when servicing in these companies. In addition, you can connect various services to the card, such as mobile Internet, Sberbank-Online and auto payment.

These are not all the benefits that Gold card holders get. The maintenance of the card is three thousand per year. Of course, it's not that cheap. But, despite this, the cards still remain in demand.