How to get a Sberbank card on the most favorable terms?

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

Sberbank has been trying to please its customers with loan products for many years. The most popular of them are cards for various purposes. It can be a debit or credit card. When the choice is made in favor of one or the other, it remains to figure out how to issue a Sberbank card. This can be done in different ways, which are chosen by each client individually.

Card selection process

Before applying for a Sberbank card, you should decide on the purpose of contacting the bank. If it's a debit card, then find out what the term is, the size of the deposit, interest rates and so on. A credit card has a different type, limit and grace period. As a rule, you can find out about the details and benefits on the official website of the bank or directly at the branch. There are practically no restrictions in relation to borrowers in issuing cards. The main thing is that the age is over 21 years old, there is proof of income, and for payroll clients there are special privileges for issuing cards. Nevertheless, issue a Sberbank cardRussia means getting a lot of additional benefits that will be useful throughout the entire period of using the service.

Main benefits of Sberbank cards:

- convenient shopping and payment for goods;

- a huge number of ATMs allows you to withdraw the necessary amount of money almost anywhere;

- an easy-to-use Internet bank that allows you to manage your accounts, pay for purchases, utilities, loans and so on;

- grace period;

- constantly increasing limit.

For certain categories of clients, for example, salary and students, there are differences in the design of the card. For everyone else, the question "how to issue a Sberbank card" will seem the easiest. It is enough to perform a few simple steps and you can successfully use all the privileges of the issued card.

Procedure for issuing a Sberbank card

The most reliable place where it is recommended to issue a Sberbank card is any of its branches. It is enough for the borrower to come to the bank with a full package of documents, contact the appropriate specialist, fill out a questionnaire and wait for a decision. Now about everything in order.

The branch is selected at the place of residence or in the nearest area. The main thing is to prepare the necessary documents, since it will not work to issue a Sberbank card without them. The questionnaire can be printed in advance and filled out from the bank's website or taken directly at the office. To exclude the possibility of errors when filling out, it is better to fill it out together with a bank employee. The list of documents includes such papers as a passport, a 2-NDFL certificate for the last 6 months of work, a copy of a work book, an insurance pension certificate, and a TIN number. For salaried clients, it is enough to provide a certificate of income. It is important to understand that the bank can also refuse completely conscientious borrowers, the main thing is not to despair and just try later. Application processing time ranges from three to five business days. A bank employee will definitely notify about the decision by the phone number indicated by the borrower in the questionnaire.