Card "Viza" (Sberbank): customer reviews

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

Sberbank is one of the largest financial institutions in the Russian market. Millions of people use its services every day. Today, like many other credit institutions, Sberbank is actively developing a variety of card products. This convenient service allows you to make purchases and receive cash not only in Russia, but also abroad.

Sberbank cards are very popular among the population. This is primarily due to the large number of branches and the largest network of ATMs in Russia. Thanks to this, it is very easy to issue a Mastercard or Visa card. Sberbank can be found in almost any locality.

Sberbank issues plastic cards of various payment systems. But Visa and MasterCard are traditionally the most popular in Russia. With cards of other systems it is somewhat more difficult. Not all outlets will be able to accept payment for them. But even among the two main systems, users more often prefer cards"Visa".

Types of Visa cards

Sberbank issues Visa payment system cards in a variety of formats, from the simplest ones issued immediately at the time of application to premium ones. Each of them differs in the available set of services and privileges, as well as the cost of maintenance. For example, for Visa Classic service, Sberbank will charge 750 rubles in the first year and 450 in the rest, while servicing a card from the Gold series will cost 3000.

All cards, with the exception of the simplest ones, make it possible to use discounts from payment systems. Additionally, Sberbank offers holders of personalized cards, such as Visa Gold, the opportunity to withdraw money on standard terms in its subsidiaries located in Kazakhstan, Belarus, Ukraine, Turkey and other countries.

There is also an opportunity to issue cards with bonuses. Sberbank will additionally accrue special points to the owner of such a Visa card, which can be spent with partners, for example, when paying for air tickets or spending on charity, depending on the chosen program.

Credit and debit cards

All Visa cards are divided into two categories by Sberbank: debit and credit. The former allow you to conveniently use your own money to pay for goods, while the latter enable the client to use bank money on credit.

A nice feature of credit cards "Visa" of Sberbankis a grace period. As part of it, you can use the bank's money and not even pay interest for it.

Sometimes there are promotions in a credit institution, in which some cards, for example, Visa Gold, are issued by Sberbank without a commission for annual service.

Instant Cards

Special attention should be paid to the cards issued immediately upon the client's request, one of them is the "Visa Electron Momentum" card. Sberbank does not charge a commission for servicing and issuing a plastic card. But it opens up not only the opportunity to use money with great convenience, but also to get access to Sberbank Online, which allows you to comfortably pay for such necessary services as utility bills, the Internet, and so on.

Card design

Sberbank offers to get a Visa debit card from the age of 18, and you only need a passport to apply for it. Credit cards are somewhat more complicated, they are issued only from the age of 21 and a mandatory requirement will be a salary certificate for the last 6 months.

You can apply for a card at any branch. To do this, you need to contact any specialist, draw up the necessary application and sign the papers. After that, if a credit or just a personalized card is ordered, the bank will consider the application and inform about its decision. However, it usually does not take more than 2 days.

Note that only Momentum series cards will be issued immediately, all other cards will have to wait a few days until they are manufactured and delivered todesired branch.

Payroll clients often receive special offers from Sberbank and they do not have to pay for the annual maintenance of their cards. Also, they may not provide a certificate of employment. All the information necessary for registration is already in Sberbank.

Recharge cards

Sberbank always offers convenient ways to deposit money to a card. To do this, you can use one of the following methods:

• In the department. You can top up the card at any office, which is easy to find throughout Russia. To carry out the operation, it is enough to know the card number and have a passport with you.
• At an ATM. If you have a card, you can replenish it very simply in any Sberbank self-service device with a cash acceptance function.
• Cashless payment. Transferring money to a card from another credit institution is easiest in this way. Details can be found in "Sberbank Online" and check with bank operators.
• Translated. Another of the most useful "chips" of Sberbank cards is the ability to quickly transfer them from another card. To do this, the sender only needs to know the card number, and in some cases, only the recipient's phone number can be dispensed with.

Card products are becoming more and more popular among the population. Due to the fact that Sberbank offers many convenient replenishment methods and additional services, as well as high stability, its choice by many customers is quiteacquitted.