Debit card of Sberbank "Platinum" - reviews, review, description and conditions

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

Today, Sberbank is the largest financial institution, which is preferred by a large number of citizens of the Russian Federation. The bank has a large number of loan programs, the possibility of opening accounts and much more. The most favorable conditions are the Platinum card from Sberbank, reviews of which are mostly positive. However, before talking about how to get it in more detail, it is worth considering the differences in some categories of plastic cash carriers.

Different types of cards

Before contacting a credit institution for opening plastic, you should decide in advance what type it will be. Today there are debit and credit cards. In the first case, the client simply opens an account with a financial institution, and after receiving funds on it, he can withdraw them at any ATM. If a person orders a credit card, then in this case he receives a certain amount of funds directly from the bank itself, which he can use and gradually repay the debt. If we talk about platinum plastic, then it comes in both categories. However, most often, bank customers issue a Sberbank Visa Platinum debit card. It will be very useful in many situations.

Cost of services

According to reviews, the Platinum debit card from Sberbank is not issued to everyone. However, even if the client has become its happy owner, it is worth considering tariff rates.

First of all, you will need to pay 4900 rubles for servicing the card. This cost includes not only 1 year of service, but also all subsequent use of plastic. If the card is reissued, you will not have to pay extra.

Also, many will be pleased that when withdrawing currency from ruble accounts, no additional expenses are expected. The only exception is when money is transferred by a third party through another territorial bank.

If you receive funds through the cash desk of Sberbank itself (provided that the daily limit has not been exceeded), then no commission will be charged. In situations where a client of a financial institution wishes to withdraw a larger amount, a commission of 0.5% of the amount that exceeded the limit is withheld. If the funds need to be withdrawn through another financial institution, then in this case the conditions will be the same.

Also in the reviews of the Visa Platinum debit card of Sberbank, many people pay attention to the fact that when using an ATM of another financial organization, you need to be prepared for the fact that 1 will be withheld from the total amount of money%. When using cards on trading floors, no commission is provided.

Limits

According to reviews, the Visa Platinum card from Sberbank is issued with certain restrictions. In this case, you can withdraw no more than 500 thousand rubles a day and no more than 5 million a month. There are no limits on payment for certain goods or services.

If a citizen of the Russian Federation wants to withdraw cash without using a card at the cash desk of another bank, then in this case there is a limit of 50 thousand rubles. Among the paid services, it is worth highlighting the receipt of an extract for the last 10 transactions made on accounts. In this case, it will be enough to pay 15 rubles.

The same cost awaits those who want to receive data on the current spending limit. However, in this case, you will have to pay this commission only if an ATM of another bank was used. Subject to an invalid overdraft, the commission will be 40% per annum.

Sberbank Platinum Premier Card: reviews of payment methods

Many say that in order to transfer funds to your balance, you can use one of five methods. For cashless transfers, mobile applications or special online services from the bank are used. They can be used by all debit card holders.

In addition, you can deposit money using ATMs and payment terminals. Also, replenishment of the balance can be performed in a third-party bank, in whichThere is a similar service for transferring money from one account to another. In this case, when transferring, the personal data of the person, the number of his card and account are indicated. As a rule, after that, the money is credited to the specified details within 3 days.

In addition, you can use the special services of Master Card Money Send. In this case, you can use an ATM, payment terminal, website or mobile application.

Of course, money can be deposited into the account directly at the cash desk of Sberbank itself. To do this, it is enough to visit the nearest branch of a financial institution and present a passport (if the money transfer is more than 15 thousand rubles).

It is also worth considering the pros and cons of a Sberbank platinum card. Many users do not pay attention to them.

Platinum Card Benefits

If we talk about the advantages of this proposal, then you should pay attention to several important nuances. First of all, all cards are equipped with a built-in microchip, which allows you to protect your account from possible hacking. When cashing out funds outside the border, you will not have to pay any additional commissions. In this case, you can use any additional cards.

Visa and Master Card payment systems also offer special privileges to holders of these cards. In addition, it is worth highlighting the numerous options for ways to replenish the card. Among other things, Sberbank provides a variety of bonus programs forholders of such accounts.

Additional privileges

According to reviews, the Platinum card from Sberbank has more advantages than other plastic.

For example, in this case, the transfer application is considered much faster. This means that in those situations where you have to wait up to 3 days with ordinary cards, a few hours are enough for Platinum card holders. At the same time, owners can use absolutely any currency that is approved by Sberbank.

Also, among the additional privileges, one can single out the presence of a personal manager who can be contacted at any time of the day or night by contacting the call center. Thanks to this, it is not necessary to visit a bank branch on the issue that has arisen. If such a visit cannot be avoided, then the cardholder is usually served in a separate VIP area.

It is also worth paying attention to one very interesting privilege, which concerns payment for goods using cards. If platinum plastic is used in this case, then the warranty period for any purchase is increased by 2 years. However, there is a small caveat here - the cost of the goods must be more than 3000 rubles.

Also, clients who have purchased such a card can receive free legal or medical assistance provided by International SOS. Moreover, family members of the account holder can also use these privileges.

Flaws

Speaking of cons, many customers expressed somedissatisfaction, which is due to the fact that the maintenance of this plastic is too expensive. Also, account holders noticed that when using such an expensive card, it is not possible to pay for purchases contactlessly. Private business owners noted that it is quite difficult to withdraw large amounts of money due to the established limits.

Platinum card from Sberbank: reviews

If we talk about the opinion of users, then the words of praise for this product are more common on the Web. However, it all depends on the specific purposes for which a person acquires this card. Of course, if you just need to transfer wages or use plastic for small purchases, then there is no point in overpaying extra money for service.

On the other hand, the presence of such plastic greatly increases the status of a person in the eyes of his environment. Even considering that the cost of service is quite high, many have noticed that the service and individual approach to the client in this case is much better. In addition, 4900 rubles must be paid only once. If you consider that some debit cards require annual renewal, then this amount is not so great. And also many said that it makes sense to purchase such plastic exclusively at Sberbank, since ATMs of this financial institution are located almost at every turn.

Who benefits from buying

If we talk about customer reviews, you should pay attention that many distinguish 2 categoriespeople for whom this card will be simply indispensable. First of all, these are businessmen who must improve their status and look worthy in the eyes of their partners.

This card is also beneficial for business trips abroad, as in this case you do not have to think about taking cash in the currency of another country with you. The same goes for travelers who spend a lot of time abroad. If in this case you use a regular card, each time you have to pay a rather impressive conversion fee for withdrawing cash from an ATM. Therefore, in this case, it is much more profitable to purchase a platinum card and pay for its maintenance.

Terms of receipt

As a rule, Sberbank does not provide any concessions in this regard. Upon receipt of a Visa Platinum card, the conditions will be standard.

This means that the age limit is between 21 and 65 years old. In this case, a person must confirm the fact that he has been working for at least 6 months. It is also necessary to prepare a document from the Pension Fund in the form of 2-NDFL, which will display the solvency of the applicant. In addition, platinum cards are issued exclusively to citizens of the Russian Federation, registered and registered in this country.

However, not everyone can get this plastic. A person who decides to apply for him must have at least 5 million rubles. on accounts in Sberbank. Over the past six months, they must be transferred fromdebit payroll cards of at least half a million rubles, and on international accounts for the last month you need to carry out transactions for 75 thousand rubles. and more.

In closing

According to reviews, the Sberbank Visa Platinum Premier card is indeed very profitable. However, before opening it, you need to think several times for what purposes it is suitable. For travel, business trips and the safety of funds, it is the best option. It is especially worth paying attention to the absence of commissions for most operations, for which, as a rule, on the contrary, you have to overpay quite impressive amounts of money.