Sberbank of Russia is perhaps the most popular financial institution in the entire banking system. And this state of affairs is connected with the trust of the population. In addition, most budget services work through a service at Sberbank. Pensions, allowances, scholarships are only a small part of the income entrusted to this financial organization. Most able-bodied citizens receive their payment for work through Sberbank. And what can we say about the contributions that people make to the institution in question for safety and interest? Thanks to this trust and high demand, Sberbank is constantly improving its product line for individuals and organizations. One of the new products is the gold credit card of Sberbank. The conditions for using it provide the holder with many privileges. In addition, the product has several advantages.
a brief description of
The appearance of the gold card is standard, only its design differs from the usual instance in its color. Plastic - gold color. The front side contains all the standard data: card number, holder name and time of validity.
Of all the products offered by various banks, one of the most notable is the gold credit card of Sberbank of Russia. The terms of use are transparent. Interest on the amount of debt ranges from 17 to 23. The main currency of the accounts is the Russian ruble.
Any interested citizen just cannot get such a credit card. It belongs to the category of premium. The holder of such a card is a regular customer who has earned the trust of Sberbank and has a high social status. At the same time, although the annual interest on the loan amount has been reduced for him, he will still have to pay a card service fee of three thousand rubles annually. The term for the operation of this product is set by Sberbank for three years.
Varieties of cards
The product in question is fairly new. But today it’s clear that the gold credit card of Sberbank of Russia (mostly positive reviews about it) is becoming a popular and almost indispensable attribute of everyday life. A financial institution offers five types of credit cards in this privileged series:
- Visa
- MasterCard.
- Gold Aeroflot Visa.
- MTS MasterCard.
- Golden “Give Life” Visa.
Sberbank offers two classic cards. One - with payment on credit of Aeroflot airline services. The second is a co-branding card with MTS mobile operator.
Product “Give Life” is a unique offer with a charitable bias. No other bank issues such a card. The purpose of introducing this product is not just elite consumer lending, but also free replenishment of charity funds. To do this, 50% of the amount for service and 0.3% of the amount of each purchase are transferred to his account.
Benefits for the holder
Not every borrower can become the holder of the product in question. To get put forward certain requirements. Significant financial prospects await those customers who will receive a gold credit card from Sberbank. The benefits are obvious.
- With Visa, goods and services in any foreign country are easily paid. It is also quite simple to carry out calculations on the Internet system.
- You can withdraw cash from this credit card at any ATMs not only of Sberbank, but also of other financial institutions both in Russia and abroad.
- When paying with a gold credit card in Sberbank partner stores (and in other retail outlets), substantial discounts are made and bonuses are awarded.
- Permanent, compliant cardholders are provided with a revolving limit for the loan amount from 15 to 600 thousand rubles.
- The product allows you to study the perfect operations online.
- The card is equipped with the ability to connect to payment systems via the Internet, for example, PayPal.
Basic conditions for issuing
For regular customers who cooperate with the organization in good faith and have financial security in accounts in considerable amounts, they are most often offered a gold credit card of Sberbank. Terms of use of this product do not seem to have significant differences from the operation of other offers. But they also give the cardholder a number of privileges.
Most often, to obtain a credit card, the client contacts the bank independently. An application is filed at the nearest branch of Sberbank or on its website. The issue of issuing a card is considered within two days.
Sberbank can make a personal offer to holders of salary and debit accounts, depositors and borrowers, with the exception of customers who have other credit cards. Typically, an offer arrives to the client in the form of a phone call or email notification. You can go on your own initiative to the nearest structural office and ask if you are entitled to a Sberbank gold credit card. Reviews report that the proposal to become its owner along with the limit amount is displayed on the ATM screen.
Basic requirements for the borrower
To get a gold card at Sberbank, you need to know about the mandatory requirements for the borrower. It:
- the presence of permanent registration in the territory of the bank and citizenship of the Russian Federation;
- taking into account age restrictions (not less than 21 years and not more than 65 years);
- total length of service in one year.
There are additional requirements that are communicated at the place of issuance of the card. If the borrower meets all the selection criteria and if there are favorable factors, such as a positive history and presence of a deposit, a gold credit card of Sberbank of Russia is issued at the client’s request. The conditions for issuing it depend on the internal rules of the organization. This also applies to the operation of the product.
Sberbank Gold Credit Card: grace period conditions
This question is of interest to customers in the first place. Among the many products, Sberbank's gold credit card is special. The terms of use of this offer are considered to give the holder some privileges. All this unobtrusively creates him the status of a premium client.
On the issue of repayment, you need to know that it is best to make payments through ATMs or cash desks of Sberbank. Today there is another payment option - through the online system.
The grace period, that is, the time when interest is not accrued on the limit amount, is 50 days. However, it is worth noting that this period does not apply to the return of money received through an ATM. If it is not possible to return all the amount used from the card, it will have to be paid in certain parts. A single payment should be at least 5% of the total amount.
It is best to familiarize yourself with the terms of debt repayment in advance if you have received a gold credit card from Sberbank of Russia. Interest on the card can be accrued not only by agreement, but also for violation of payment terms. They will make up 36% per annum.
Practical application of the card
Having received a gold card, you can safely use the product daily in various situations:
- pay for meals in restaurants and cafes (especially in partners of the bank, from whom you can get a discount of up to 20%);
- Pay utility bills
- pay for the services of many organizations that have installed terminals in their offices;
- repay debts for medical, repair services, etc .;
- pay for travel documents.
Comparison
To assess the premium merits of a gold card, it is best to compare its characteristics with similar products in other institutions.
Alfa-Bank offers annual interest from 18 to 33. At the same time, the grace period for the cards of this institution is 60-100 days. The maximum limit is the amount of 300,000 rubles. And annual service fees vary from 1,500 to 3,000 rubles.
VTB 24 has a clear interest rate on the loan in question at 22%. Moreover, the maximum amount for cash is 600,000 rubles, and the grace period is 50 days. Serving a VTB 24 credit card will cost a client from 2,000 to 3,500 rubles.
Raiffeisenbank offers interest on such a credit card from 24 to 27. The maximum amount is 600,000 rubles, and the annual service fee will cost the client in the amount of 1,500 to 28,000.
Summing up, I would like to note that many citizens of the Russian Federation appreciated the benefits of such a product as Sberbank's gold credit card. The terms of use of this offer allow you to make favorable purchases in stores both at home and in other countries. In addition, the card has a feature - there is no payment for its annual service.