Sberbank instant card: owner reviews, rules for obtaining, necessary data and terms of use

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

To become the owner of a bank card, it is not necessary to wait for the production of a credit card and pay a commission to the bank. Now you can issue a banking product with free service and instant issuance. These are cards like "Momentum" of Sberbank. Instant debit cards, like credit cards, are issued in almost every branch. They are one of the most popular means of payment in Russia.

Product Features

Sberbank's Momentum type card is a special type of means of payment. The issue and maintenance of the card is carried out without commission. There are 2 types of cards: debit and credit.

The appearance of the cards is almost the same as other banking products. A distinctive feature is the absence of the full name of the client on the front side. Since the cards are issued instantly, the full name of the owner is not provided on such products.

Sberbank debit instant card is issued in light green color. On the front side is the number, chip, expiration date and product name -momentum card. The reverse side shows the CVC or CVV code that is used for online payments, as well as a line for the owner's signature.

Instant credit card of Sberbank is issued in grey-green color. But sometimes bank credit cards have a more colorful design, which is dedicated to a significant event in the country. For example, during the Olympics in Sochi, instant issue credit cards could be issued with the symbol of a sporting event - a white bear. The structure on the front and back is identical to a debit card, except for the inscription Credit Momentum.

Issue conditions and limits

Reviews about the Sberbank instant card are based on the convenience of its use. One of the key roles here is played by the limits and conditions for issuing a means of payment:

• Issued on the basis of MIR, Master Card and Visa.
• The daily cash withdrawal limit is RUB 50,000.
• Monthly withdrawal limit - 100,000 rubles.
• Design and maintenance are free.
• The card is valid for 3 years.
• Issued in 3 currencies: dollars, euros and rubles. The MIR payment system card is available only in rubles.
• Valid abroad (except for the "MIR" card).
• Cash withdrawals from ATMs in other regions are subject to a fee (0.75% of the amount).
• It is not possible to issue an additional card.
• Only available in classic design.
• Suitable for online shopping but not onall sites (check upon payment).

Tariffs for "Momentum"

According to reviews of the Sberbank instant card, the conditions and limits for a credit card are identical to those of a debit card. Features of the loan product from the country's largest bank are as follows:

• 20 to 50 days grace period (depending on purchase date).
• Interest rate - from 19.9% to 27.9% per annum. Depends on the year the credit card was issued.
• The minimum limit is 10,000 rubles. The maximum available to receive is up to 600,000 rubles.
• Commission for cash withdrawal - 3% of the amount, 390 rubles minimum.

According to reviews of the Visa instant card of Sberbank, as well as MasterCard, the payment system does not affect the convenience of using a credit card.

What are the advantages and disadvantages of the product we are interested in?

Sberbank instant card: what is it? Pros and cons

Momentum cards are a special banking product with instant issuance. When deciding to open an account, many customers first get acquainted with the reviews of the Sberbank instant card. Based on the opinion of the majority of users, the following advantages of the product can be distinguished:

• Free clearance and maintenance.
• Quick card receipt.
• Possibility to withdraw cash and use as a means of payment.
• Access all online services.

However, there are also negative reviews aboutinstant debit card of Sberbank, which are associated with obvious shortcomings in use. These include:

• Fee for withdrawals in other regions.
• No custom design.
• Poor quality plastic.
• Restrictions when paying online. Some stores require you to indicate the full name of the owner, which is not possible with cards like "Momentum".
• High rate of payment "Mobile Bank" - 60 rubles per month (previously it was 30 rubles).
• Impossibility to issue an additional card.
• Restrictions on the application. You can open a card only at the bank office, and for most other products it is possible to apply online.

Additional inconvenience is noted by cardholders of the MIR payment system. This is the absence of payment abroad and opening in one single currency - rubles.

Customer Reviews

Reviews about the Sberbank instant card ("MasterCard", "Visa" or "MIR") with a credit limit appear on the Internet often, as the product is in demand by millions of Russians. Most customers distinguish among the advantages of the product:

• Clear terms of use and grace period calculation.
• Quick clearance.
• Minimum documents to receive.
• Free service.
• Free Mobile Banking.
• High limits - up to 600,000 rubles.
• Instant credit to a Sberbank card. Money is available immediately after activating the plasticcarrier.

Negative reviews about the Sberbank instant card are based on:

• High commission for withdrawal - minimum 390 rubles, regardless of the amount.
• High interest - up to 27.9% per annum.
• Inability to make transfers. A bank client cannot transfer funds from a credit card to another person.
• Short grace period - up to 50 days. Other banks offer interest-free credit cards for 100 days or more.

Conditions for issuing and receiving d

To order an instant Sberbank card, the client must:

• Be over 14.
• Provide the details of an identity document. For example, a passport.
• Do not have an active instant debit card account.

The Bank does not impose other requirements for opening an account, except for the age limit and the presence of only one Momentum type product. If the user already has an instant issuance card, it is impossible to issue a second product, even another payment system, according to the rules of the bank.

The card is issued only at a branch of Sberbank. You cannot apply through Sberbank Online or on the company's official website.

Instructions for issuing a card

In order to leave an application for an instant Sberbank card, the client must:

1. Select a branch to receive a card. It is recommended to pay attention to the branch, which is located near the house or work, as the maintenancecard accounts will be carried out at the branch at the place of registration of the product. A list of all additional offices can be viewed on the Sberbank website, in the "Branches and ATMs" section.
2. Take a service ticket. If the branch is equipped with an electronic queue, customer service is carried out only after special registration in the terminal. To open an instant product account, you need to take a coupon "Cards, open a new one".
3. Wait in line. The ticket will be called at the first vacant window of the sales manager.
4. Give the employee a passport (or other document).
5. Indicate the purpose of the visit - opening an instant card.
6. Select a payment system. Sberbank issues instant issuance cards based on MIR, Master Card or Visa.
7. Say the code word. It will be the control information for the product. It is recommended to indicate data in which the client will be sure, since the code word is necessary for identification when calling the Support Service.
8. Familiarize yourself with the documents and sign them (if everything is correct). A copy of the application is issued to the holder of the Momentum card.
9. Come up with and enter a PIN code (4 digits). You should not choose too easy and well-known combinations, for example, "1234" or "2468". It is better to come up with a code associated with a significant event that the cardholder will easily remember.
10. Sign the warrant for the card. The document remains with the sales manager.

Instant card is issued within 10minutes. Service time may be extended depending on the number of customers in the bank hall.

When is it impossible to issue?

In Sberbank, when issuing an instant card, the client is subject to a minimum of requirements. The main condition is related to the age limit: 14 years old for debit cards and 21 years old for credit cards. Younger customers cannot checkout.

The owner can order only one debit card and one credit card in his name. The presence of several means of payment of the same type is unacceptable. The client is en titled to re-receipt of one of the products if the account number of the previous card is closed.

You can't get a credit card without permanent registration. Also, when filling out the questionnaire, the borrower must indicate at least three contact numbers.

The Bank may refuse to issue a card without explanation. This may be due to fraud on the part of the client, such as an attempt to withdraw funds.

It is not allowed to issue additional cards for both debit and credit products.

If the card issuance is entrusted to a third party, then the official representative must have a document confirming his authority. For example, a notarized power of attorney, which states the possibility of opening accounts with Sberbank PJSC with the receipt of bank cards and PIN envelopes for them.

How to apply: instructions for future owners

The process of applying for a credit card is like receiving an instantdebit card. But there are some differences.

Firstly, only a participant in the salary project can receive an instant Sberbank credit card. This is a client receiving wages to one of the bank accounts.

Secondly, the card is automatically issued only to holders with a good credit history.

Thirdly, the limit is set by the bank unilaterally, based on the solvency of the client. It can be from 10,000 to 600,000 rubles. If desired, the client can reduce it to 1000 rubles.

Fourthly, a client over the age of 21 can become a cardholder.

To apply for a credit card, only a passport is required. An important condition is the presence of permanent registration: citizens with a temporary residence permit are not issued a credit card.

The process of registration at the bank office

How to get an instant Sberbank card with a credit limit:

• Submit the document to the bank office.
• Take a ticket "Cards, open a new one".
• Give the passport to the manager.
• Say you want an instant credit card.
• If there is an offer from a bank with a limit of funds, read the terms of the loan.
• Sign the product clearance documents.
• Enter PIN code.
• Sign the receipt order.

It takes a little longer to issue a credit card - fifteen to twenty minutes. It is issued only to payroll account holders who have a special offer from the bank.

If a client wants to get a credit card, but he does not have an offer from the bank, he can apply for a classic credit card with paid service (750 rubles per year).

Activation

After receiving the card must be activated. This is easy to do - just perform any operation with a PIN code. For example, request a balance at a Sberbank ATM or deposit cash.

When activated, SMS comes with "900" that the card is active. After that, you can perform any operation on it. Sometimes SMS arrives with a delay, while the card is already activated.

In some cases, after trying to enter a PIN code in a bank terminal, the system gives an error. For Momentum cards, this is a temporary technical glitch that resolves within 24 hours of receipt.

If it was not possible to activate the card immediately, you need to wait a day and try again. In case of repeated refusal, it is recommended to contact the bank branch to replace the plastic carrier, which may be the reason for the failure to activate the card. Poor quality media is one of the main disadvantages of the Sberbank instant card.

How do I use my instant issue debit card?

After receiving an instant card and activating it, the client can use all its features. To make purchases or transfers, top up your mobile balance, you just need to deposit cash.

Deposit of funds is possible at any bank terminal. Cash is credited without commission. Limit oninstant card deposit does not exist.

All card transactions are confirmed by a PIN code. Instant Issuance cards do not have contactless technology, so it is recommended that you do not lose your product PIN information.

Withdrawal is possible in the amount of no more than 50,000 rubles per day, 100,000 per month. If the client is not satisfied with the limit set by the bank, he can order another card with more features (for example, a classic one).

Balance requests at a Sberbank ATM are free, but for the same operation at a terminal of another bank, you will have to pay a commission of fifteen rubles. The limit for cash withdrawal in the terminal of another bank is 4000 rubles per transaction.

Features of use

The principle of using a Sberbank credit card is the same as that of a debit card. But many customers want to know how the grace period is calculated in order to use the card without interest.

The main condition for using a credit card, which provides for the complete absence of a bank commission, is payment only by bank transfer. For any cash withdrawal, the bank charges a commission, and interest is charged on the balance of funds withdrawn from the terminal in accordance with the terms of the agreement.

In Sberbank, the grace period is sliding: from 20 to 50 days. It depends on two factors: the date of reference and the date of purchase. The start date is specified in the loan agreement. This is the date the credit card was issued.

Purchase date means the day of the debit transaction. Tothe grace period was maximum, that is, 50 days, it is recommended to make a purchase on the report date. Payment the next day means that the grace period will already be 49 days, another day - 48 and so on.

Information about the grace period is available on the official website of Sberbank. The countdown date is always indicated in Sberbank Online. It can be viewed by clicking on the credit card and going to the "Card Information" tab.

Access to online services and services of Sberbank

The following services are available for instant issue debit and credit card holders:

• Insurance of bank cards. The service is provided for one year with the possibility of subsequent extension of the policy. It is paid, the cost depends on the chosen tariff (minimum 990 rubles).
• SMS-banking "Mobile bank". These are notifications for transactions from the card. The service is the key to Internet Banking, as Mobile Banking codes are needed to log in and perform transactions.

• "Sberbank Online" - Internet banking. 2 versions are available - desktop and mobile.
• "Autopay". You can arrange regular payments for cellular communications, utilities, loans from other banks, as well as connect automatic transfers.