Sberbank credit card: reviews, is it worth opening. Credit limit on a Sberbank card

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

Sberbank is considered one of the most famous financial institutions specializing in professional banking services to the population. The number of its branches and representative offices in Russia is impressive. And the quality of service and regularly updated products become the subject of discussions and disputes from time to time. One of these products is the Sberbank credit card. Reviews, whether it is worth opening and what advantages it has - you will receive all this information from this article.

Is it hard to get credit cards?

Many users may have a stereotype associated with opening and receiving a card at Sberbank. According to them, this credit institution resembles an impregnable fortress. Therefore, it is rather difficult to issue “plastic” here. But that's not entirely true.

Need,for example, you have a Sberbank Gold credit card. To receive it, you just need to go to the official website of the bank and fill in the appropriate lines. The banking service for activating cards, located in any branded ATM, works similarly. Also, to apply for a credit card, you can always personally come to the nearest branch of this financial institution.

During the application process, as a rule, you should agree with the processing of personal data, select the appropriate "plastic" and clarify the credit limit on the Sberbank card.

What are the requirements of the bank?

Despite the fact that you can get a credit card at Sberbank in just a few clicks, not everyone can do it. In particular, in order to receive bank "plastic", you must meet the following requirements:

• Be a Russian citizen.
• Be within the age range of 21 to 65.
• Have a temporary or permanent residence permit in Russia.
• Have a total work experience of at least 1 year in the previous 5 years, and have also worked at the current job for at least six months.

If you are interested in a Sberbank credit card, an online application will help you get it as soon as possible. But for this it is worth knowing what information is indicated in this questionnaire form.

What to indicate in the online application for a card?

As a rule, an application form for issuing a Sberbank Gold credit card or anyanother "plastic" consists of several main sections:

• Personal data.
• Data on the change of surname, name or patronymic.
• Passport data.
• Contact information.
• Addresses of permanent or temporary registration.
• Marital status.
• Addresses of actual location.
• The presence of family ties.
• Client's employment data (name of organization, activity, income).
• Information about seniority at the current place of work.
• Data on the presence or absence of personal vehicles.

The photo below shows what an online application looks like. A Sberbank credit card for this questionnaire will be issued on the basis of the provided package of documents.

What documents do I need to apply for a credit card?

To fully apply for a credit card at Sberbank, you need to fill out an application and provide a standard package of documents, which includes:

• Internal civil passport.
• Certificate confirming the level of income (in the form of 2-personal income tax or in a simplified form of the employer).
• Certificate indicating the amount of the pension (for potential clients of pensioners).
• Copies and originals of documents confirming the current labor activity (extracts from the work book, copies of the contract or employment contract, etc.).

However, if you already have, for example, a salary card, then the number of documents required for processingdecreases. So, you do not have to prove your income and take certificates from your place of work. All that remains is to fill out a questionnaire and discuss with a representative of the organization the credit limit on the Sberbank card, which can range from 20,000 to 500,000 rubles (depending on the card, this limit can also be increased).

What credit cards can I get from the bank?

Currently, Sberbank offers more than 10 different offers to fans of credit cards. For example, everyone can apply for premium bank cards with an impressive list of related services and favorable conditions for their service. This is exactly what the Visa Gold credit card of Sberbank is.

For its registration, a mandatory confirmation of the level of your income is required. The interest rate on it is 23.9-27.9% per annum, and the credit limit is 600,000 rubles.

This "plastic" is securely protected by an electronic chip and is perfect for contactless shopping. Such a Sberbank credit card is issued for 50 days, during which no interest must be paid. However, after this period, interest will accrue, taking into account the current tariff. The card itself is issued for three years with the subsequent possibility of its re-issuance.

Among the "Gold" category, you can also find "Give Life" and "Aeroflot" credit cards. In addition to them, the bank offers to issue cards of the Classic and Premium series. There is also a Sberbank credit card with an instant solution. This is not a nominal "plastic", which is issued and issuedin just 10-15 minutes.

What do users say about getting a credit card?

Many users believe that the process of obtaining and issuing a Sberbank credit card could be greatly simplified. In the reviews (whether it is worth opening it in this financial institution, you decide) there are many contradictory points. Therefore, everyone makes their own choice. Many reviews are connected precisely with paperwork, which Sberbank still sins with.

The situation is different if you are already a client of this bank. In this case, you do not need income certificates and copies of the work book. In addition, regular customers of the bank can order a card online and, after waiting for confirmation by SMS, pick it up from a representative of the organization.

How long does it take to issue a card?

According to the stories of users, the very consideration of an application for issuing a card takes no more than two days. In rare cases, this period may be postponed by 7 business days. The production time of the card also directly depends on the region where it needs to be delivered, and the type of "plastic". For example, a Sberbank Visa Gold credit card or a personalized card can be produced in 15-20 days.

If you don't want to wait that long, you can always order an unnamed "plastic". That's just most often user complaints are associated with such cards.

This is also evidenced by numerous reviews. Sberbank credit card (whether it is worth opening it or not can be understood from a large numberuser comments) without the initials of its holder received a huge number of complaints. And the thing is that, although it is being produced quickly, it has limited capabilities. This is not what its holders like.

Is it possible to get a credit card on preferential terms?

Whatever card you choose, users say, there is always a chance to improve the conditions for its design. In particular, on privileged rights it is really possible to get bank "plastic" under the following conditions:

• If you are already a member of Sberbank's salary or pension project (you have salary or pension cards).
• If you had a debit card open.
• You have an open deposit in this financial institution.
• When applying for and successfully repaying an existing Sberbank consumer loan.

As you can see, if at least one of these conditions is met, your Sberbank credit card for 50 days is practically in your pocket. And you can get it on certain preferential terms. We will talk about them further.

What do the preferential terms imply?

Under the preferential conditions for issuing a credit card, certain concessions are meant that the bank is ready to go to for its regular customers. So, you can count on a slight reduction in the interest rate, the setting of a personal credit limit (naturally, in the direction of its increase) and discounts on the payment for the annual maintenance of your "plastic".

Convenience of card transactions

Using Sberbank credit cards, many users talk about certain positive aspects. For example, some of them admire the ease of use of such "plastic". With its help, it is quite easy to make purchases on the Web and real outlets. Due to the large coverage and developed retail network, these cards are easy to replenish and cash out.

Moreover, many users like the cooperation of Sberbank with other organizations. For example, Aeroflot. According to the stories of many users who often buy tickets of this airline, due to the accumulated points, they can save a lot.

Sberbank credit card reviews: is it worth opening

At the moment, you can hear a lot of different opinions in favor of opening credit cards and against them. At the same time, many reviews refer to a specific example or bank service. For example, some users do not like the fact that withdrawing money from a Sberbank credit card is subject to a large commission. Most often, the amount of such a fee is 2-3% of the amount (if cashing out is carried out through a cash desk or ATM of Sberbank) and 4% (when withdrawing money from ATMs of other credit organizations).

For the same reason, it is much more profitable not to withdraw money, but to pay by card by bank transfer. There is no commission charged for this. Some people like the fact that there is a fifty-day grace period when interest is not charged. However, its timing should be kept under strict control. Otherwise, you run the risk of receiving not only pen alties from the bank,but also a late payment fee.

Other users like what they think is a low interest rate. Although some still consider it a little overpriced. Still others compare a credit card to an ordinary bank loan, with all the consequences that follow. The fourth talk about the possibility of reissuing and ordering additional cards without commission. Fifths like quite a decent credit limit on cards, ranging from 200,000 to 600,000 rubles. These are the opinions about Sberbank credit cards.