Sberbank bank card service fee: terms of use, types of cards and tariffs

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

In the article, we will consider what is the fee for servicing a bank card in Sberbank.

Sberbank provides its clients with a range of services and financial products: from deposits and loans to bank cards and various bonus programs. This article will discuss Sberbank cards, such as Visa, MIR, MasterCard, their features and service fees. Each product is characterized by its own limits, capabilities and fees for servicing a Sberbank card, which helps you choose the appropriate type of banking services depending on the required functions of this financial instrument.

Main types of cards and their features

Since Sberbank's clients are people of various age categories, the financial institution offers an extensive list of plastic cards that will satisfy the requirements and needs of a particular group: from instant to gold. Besides,for customers who actively participate in bonus programs (for example, "Thank you"), Sberbank has issued a "Card with Big Bonuses", through which increased accrual of discounts and points in partner stores is provided. In addition to choosing a type of bank card, all clients of this financial institution can use an individual plastic design.

Due to the popularity of the financial product, many customers are interested in what is the service fee for the MIR card from Sberbank. We will talk about this later.

Debit and credit cards

Since the organization offers a wide range of plastic cards with their own conditions and cost of service, characteristics, products are divided into two types: debit, when the client uses only personal funds, and credit for borrowed funds. Such cards differ from each other not only in characteristics and purpose, but also in the cost of maintenance. In addition, credit and debit cards are subdivided according to the type of payment system service. At the moment the cards are serviced by MasterCard and Visa.

About the fee for the annual service of the Sberbank card, we will tell below.

Debit and credit plastic cards provided by Sberbank are also divided into subspecies. Such a division is based on the presence of additional privileges, the nature of use and participation in various programs. Depending on the payment systems, Sberbank presents the following types of plastic cards.

Momentum

Entry-level cards (simple) Momentum from MasterCard or Visa are issued within 10 minutes at a bank branch, they are completely free to use. This type of plastic cards is designed for students, minors and pensioners. Momentum cards are intended for money management, remote self-service, as well as for cashless payments and transfers. Such cards have some restrictions when used abroad or online.

Internet cards of virtual type from MasterCard and Visa

This type of card is distinguished by the absence of a direct physical carrier (plastic design), but it has details for making payments. Such cards can be linked to electronic wallets. They are intended for secure settlement transactions on trading floors and in online stores.

Youth cards

Youth cards from Sberbank are issued as part of a package of services intended for students and schoolchildren. There are three types of cards: 18 and 21+ (student), 14+ (for schoolchildren) and 0+ (deposits for children). A feature of such cards are bonuses for purchases.

Classic cards from MasterCard and Visa

The service fee for Visa cards from Sberbank is not very high. The popularity of such financial products is explained by attractive service fees and reliability. They provide access to all banking services. Cards of this type are used for non-cash payments in virtual and real spaces, account management through a personal account, as well as for various payments. The fee for servicing a Sberbank bank card is considered quite acceptable.

MasterCard and Visa Gold Cards

This kind of plastic cards from Sberbank emphasizes the status and provides an opportunity to use additional privileges. Partner companies offer discounts to holders of gold category plastic cards. This financial instrument can also be used when booking hotel rooms, plane tickets, goods in shopping centers, etc. Some customers do not even know about the annual service fee for a Sberbank card.

Visa premium cards

These bank cards are characterized by increased accrual of bonuses. When paying bills with Premium category cards, the holder gets back up to 10% of the value of the goods in the form of "Thank you" bonuses. The “Big Bonus Card”, like the gold one, provides additional bonuses and discounts when buying tickets under the Thank You Travel program, privileges when booking tickets to various events under the Thank You Experience program, as well as discounts at gas stations.

Other products

When paying for goods with a card from Sberbank "Give Life", 0.3% of their value is transferred to the "Give Life" fund.

Through payments with the Aeroflot card, you can accumulatebonus miles spent on flights.

The “Thank you” program is automatically connected to the “MIR” card, on which pension or wages can be accrued. As for the service fee for the MIR bank card from Sberbank, the period of using the financial product plays a certain role here. In the first year, the client pays the full cost of the service, and from the second year, the fee is significantly reduced.

Card service fees from Sberbank

Only three types of cards of this financial institution are serviced free of charge. These include Momentum, Digital and Retirement products from MasterCard and Visa.

The service fee for bank cards of Sberbank of other types is:

• Classic cards, including MIR: 750 rubles per year (second and subsequent - 450 rubles).
• Classic cards with contactless technology: 900 rubles per year (from the second and subsequent years, this tariff is reduced to 600 rubles).
• Youth cards - 150 rubles a year.
• Premium cards: if you issue such a plastic card before October 10, 2019, the service fee will be 2,400 rubles per year.
• Gold cards are serviced at a cost of 3,000 rubles per year, as well as 4,900 rubles for subsequent years.
• Aeroflot card: 900 or 3500 rubles per year (depending on the type).
• Give Life card is serviced at a price of 1000 rubles in the first year and 450 rubles for each following year.

The cost may change in one direction or another, therefore, it is better to clarify it before issuing a banking product.

We looked at the service fee for bank cards from Sberbank of all popular types.