Sberbank Gold Card: terms of use, pros and cons

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

We althy and reliable customers of one of the most common banks in the country can now get a Sberbank gold card. In most cases, such plastic is issued to the owners of large companies and profitable firms. Also, people who have taken large loans and paid them in good faith can count on him. In addition, ordinary citizens with an above-average income can count on receiving a gold card.

Benefits

Using a Sberbank gold credit card gives its owners the opportunity to use a larger cash limit than ordinary card holders. In addition, golden plastic allows you to use the service of automatic payments, mobile banking services and replenishment of the card according to the schedule. In general, the use of such a card greatly simplifies the life of its owner.

Views

The bank produces several types of plastic marked "Gold". These are regular Visa Gold andMaster Card Gold. There is also Visa Gold "Aeroflot", which allows its owners to accumulate additional bonuses, through which in the future you can save money when buying tickets for flights. For those who donate to charity and are ready to donate part of their resources to a good cause, a Sberbank gold card called “Give Life” was issued.

Its main difference from other plastic media is that 0.3 percent is deducted from each purchase made with this card and automatically transferred to a fund that helps children with he alth problems. And, the last kind of gold plastic, which is available even to state employees, is called "Mir". There are both debit gold cards and credit cards.

Credit card

In order for a client to get a gold credit card from Sberbank, he needs to take a loan from this bank and repay it in good faith. Moreover, it is very important that during the repayment of the loan there are no unnecessary delays or other problems with monthly loan payments. If he conscientiously coped with the task and became a trusted, reliable client, then he may well count on receiving such a card.

As for its functional features, it is not only not inferior to ordinary plastic, but in some moments even surpasses it. With it, you can also easily pay for purchases, services and use other features. Sberbank gold credit cardallows its owner to get service at the bank at any time of the day without a queue. There are a number of card features that customers can use at their convenience:

• You can receive an electronic receipt for purchases made using this card.
• There is an opportunity to take part in the bonus fundraising program called "Thank you from Sberbank".
• Using this card, you can set up automatic payments, which will allow you to pay for services on time and not forget about it.
• The card allows you to track the status of your mobile account and automatically replenish it according to a previously fixed schedule by the plastic user.
• The client will be able to make non-cash payments for any purchases not only in the country, but also abroad. The currency will be recalculated based on the rates of the bank itself.
• The card has a grace period for using credit funds up to 50 days. The client can use them without paying interest on the loan.

Terms of Use

Of course, customers need to pay for the use of this plastic, there are special conditions. Sberbank's gold credit card deducts three thousand rubles from the account annually, for the fact that the client uses its advantages. The maximum amount of credit funds on such plastic does not exceed 600 thousand rubles. The currently declared cash rate on the card can vary from 26 to 34 percent. The commission for withdrawing cash from an ATM is from 3 to 4 percent of the total amountmoney withdrawn by the client.

Within 50 days, the client can use credit funds without paying additional interest. It is important to note that the card has an increased level of protection against hacking, it is expressed in the presence of a security chip. Another condition for using a Sberbank gold card is that with each withdrawal or replenishment of the card, an SMS notification is sent to the client's phone, which indicates the change in the account amount. If necessary, the client can use the balance of the amount of money on plastic in foreign currency, the amount will be recalculated taking into account the current exchange rate of the bank. Every three years, plastic should be replaced with a new one, exactly so much is its shelf life. It is necessary to pay special attention to the fact that when receiving cash, interest is deducted. Many customers do not immediately pay attention to it, but the item itself is extremely important. After all, when you need to return money to the card, you will have to put back the amount more than the person received, otherwise there will be a delay.

Applying a gold credit card

An important point when applying for a Sberbank gold card is that you can apply only in the region where the future plastic holder lives. An application for receipt can be issued at any branch of the bank or use a special form located on the official website of a financial institution. But in the second case, you still have to visit the bank later to bring important documents, including a passport, a photocopy of the client’s work book, as well ascertificate that corresponds to 2-personal income tax. Usually, employees process the application for no more than two days, but this period may vary, it all depends on the work of the bank, the number of customers who have applied for gold plastic and other factors.

Issue a gold debit card

This type of plastic card was created to protect the funds of bank customers. The client can choose between MasterCard and Visa, depending on which type of plastic he prefers. There are special conditions for receiving this type of debit savings. A Sberbank gold card can only be issued to customers who have reached the age of eighteen. In addition, he must have registration and residence permit.

It is worth noting that citizens of other countries can also receive such a card, but in this case the bank has every right to request additional documentation from customers. An important point is also that when applying for a card online, you can only apply for a Visa. To order a MasterCard card, you must visit a bank branch. When issuing additional cards, the client must pay 2.5 thousand rubles. Maintenance of the gold plastic will cost him 3 thousand monetary units of the national currency.

Additional registration conditions

To get a Sberbank gold card, you must also take into account some additional requirements. Credit funds can only be requested by customers who are over 21 years old and have not yet reached 65 years of age. When contacting the bank, it is worth providing documents confirming the registration of the future card user in the same area where the branch is located. In addition, a person must have at least one year of work experience and work at the last place of employment for at least half a year.

Features of using the card

There are no serious differences between a regular and gold plastic card of this bank. Having received gold plastic, the client will be able to pay for purchases using terminals. Moreover, if there is such a function, then the owners of gold cards do not have to enter the PIN code of the card when paying for services.

The plus of the Sberbank gold card is that the client can withdraw cash from the credit account even with its absence, not only in the country, but also abroad. But it should be borne in mind that during this operation, the bank will withdraw its interest, it all depends on the individual terms of service, the amount of withdrawal and the ATM on which the operation is carried out. The card also has a system for accumulating bonus points. Detailed conditions for their enrollment should be considered depending on the type of plastic. The function of withdrawing payments on a schedule does not change, regardless of the location of the client. This simplifies the process of monthly bill payments and saves cardholder time.

Card limit

The maximum amount that can be stored on a bank's gold card does not exceed 600 thousand rubles. But in some cases, the bank makes concessions and can change thisvalue depending on the individual needs of the client. There are also restrictions on cash withdrawals. So, at one time the cardholder will not be able to withdraw more than 50 thousand rubles. If there is a need to make a transaction exceeding this amount, you should contact the nearest branch of Sberbank. From Platinum class cards, owners can withdraw up to a million rubles per day. Visa Gold allows you to withdraw up to 300 thousand rubles per day. But Visa Classic owners will not be able to earn more than 150 thousand rubles.

Translations

Often customers need to transfer certain amounts from one card to another. Owners of gold plastic can make transfers not exceeding 100 thousand rubles. If there is a need to carry out a transaction exceeding this amount, then you need to identify yourself as a client using a financial number.

You can also immediately set transfer limits when issuing a card, then the amount of one deduction of money to another card can exceed half a million rubles. Transfers up to 10 thousand rubles between Sberbank cards are carried out without commission. When sending money to the accounts of other banks, 1-2 percent of the transfer amount is withdrawn. Up to a million can be transferred between your cards. The number of transfers per day is also limited and cannot exceed one hundred transactions per day.

Pros and cons of a Sberbank gold card

Among the advantages of using "Gold" plastic, there is the possibility of participating in promotions and sweepstakes, the function of automatic payment for services,the presence of a chip that additionally protects the client's finances. In addition, the advantages of a gold card are the ability to easily and conveniently top up your phone, a large cash withdrawal limit per day compared to conventional cards, 24-hour customer service, free plastic replacement in case of loss, a high limit and service in more than a hundred countries around the world. Well, the most noticeable plus is the prestige of having a client with gold plastic. Such a card immediately shows the status of the person who uses it.

As for the disadvantages of the Sberbank gold card, probably the most significant is the high cost of its maintenance. The annual loss of 3 thousand rubles is actually not the most pleasant way for the family budget. Not all types of gold plastic support some promotions and bonuses, so in order to avoid such problems, it is better to register Visa Gold right away, it supports almost all the benefits offered by the bank. Although in other countries similar products are more developed and functional.