Wealthy and reliable customers of one of the most common banks in the country can now get a gold card of Sberbank. In most cases, such plastic is issued to owners of large companies and profitable firms. Also, people who have taken large loans and have paid them in good faith can count on it. In addition, ordinary citizens, whose income is above average, can expect to receive a gold card.
Benefits
Using a gold credit card of Sberbank gives its holders the opportunity to use a larger limit of funds than holders of ordinary cards. In addition, gold plastic allows you to use the automatic payment service, mobile banking services and card replenishment on schedule. In general, the use of such a card greatly simplifies the life of its owner.
Kinds
The bank produces several types of plastic marked "Gold". These are ordinary Visa Gold and MasterCard Gold. There is also Visa Gold Aeroflot, which allows its owners to accumulate additional bonuses, through which they can save money in the future when buying tickets for flights. For those who donate to charity and are ready to give part of their resources to a good cause, a gold card of Sberbank with the name “Give Life” has been issued.
Its main difference from other plastic media is that from every purchase made through this card, 0.3 percent is calculated and automatically transferred to a fund that helps children with health problems. And, the last kind of gold plastic, which is available even by state employees, is called "World". There are both debit gold cards and credit cards.
Credit card
In order for a client to get a gold credit card of Sberbank, he needs to take a loan from this bank and pay it in good faith. Moreover, it is very important that during the repayment of the loan there should not be unnecessary delays or other problems with the monthly loan repayments. If he conscientiously coped with the task and became a trusted, reliable client, then he may very well expect to receive such a card.
As for its functional features, it not only does not concede to ordinary plastic, but even surpasses it in some aspects. With its help, you can also easily pay for purchases, services and use other opportunities. Sberbank's gold credit card allows its holder to receive service from the bank at any time of the day without waiting in line. There are a number of card features that customers can use at any time convenient for them:
- You can receive an electronic receipt of completed purchases using this card.
- There is an opportunity to participate in a bonus fundraising program, called "Thank you from Sberbank."
- Using this card, you can set automatic payments, which will allow you to pay for services on time and not to forget about it.
- The card allows you to track the status of a mobile account and automatically replenish it according to a previously fixed schedule by a plastic user.
- The client will be able to make non-cash payment of any purchases not only in the country, but also abroad. The currency will be recalculated based on the rates of the bank itself.
- The grace period for using credit funds up to 50 days is set on the card. The client can use them without paying interest on the loan.
Terms of Use
Naturally, customers have to pay for using this plastic; there are special conditions. A Sberbank gold credit card is deducted from the account for three thousand rubles annually for the fact that the client uses its advantages. The maximum amount of credit on such plastic does not exceed 600 thousand rubles. Currently declared cash rate on the card can vary from 26 to 34 percent. The commission when withdrawing cash from an ATM is from 3 to 4 percent of the total amount of money withdrawn by the client.
Within 50 days, the client can use credit funds without paying additional interest. It is important to note that the card has an increased level of protection against hacking, it is expressed in the presence of a security chip. Another condition for using Sberbank's gold card is that each time you withdraw or replenish the card, an SMS notification is sent to the customer’s phone, indicating the change in the amount of the account. If necessary, the client can use the remainder of the amount of money on plastic in foreign currency, the amount will be recalculated taking into account the current exchange rate of the bank. Every three years, plastic should be replaced with a new one, exactly as much is its shelf life. It is necessary to pay special attention to the fact that interest is deducted upon receipt of cash. Many customers do not immediately pay attention to it, but the item itself is extremely important. After all, when you need to return the money to the card, you will have to put back the amount more than the person received, otherwise an overdue period will form.
Gold credit card
An important point in drawing up a gold card of Sberbank is that you can only apply in the region where the future plastic holder lives. An application for receipt can be issued at any branch of the bank or you can use the special form located on the official website of a financial institution. But in the second case, all the same, then you will have to visit the bank to deliver important documents, including a passport, a photocopy of the client’s work book, and a certificate that corresponds to 2-personal income tax. Typically, employees are engaged in the consideration of the application for no more than two days, but this period may vary, it all depends on the work of the bank, the number of customers who applied for gold plastic and other factors.
Gold Debit Card
This type of plastic card was created to protect the funds of bank customers. The client can choose between MasterCard and Visa, depending on what type of plastic is preferable to him. There are special conditions for obtaining this type of debit accumulation. Sberbank Gold Card can only be issued to customers who have reached the age of eighteen. In addition, he must have registration and registration.
It is worth noting that citizens of other countries can also receive such a card, but in this case, the bank has every right to request additional documentation from customers. An important point is also that when applying for a card online, you can only apply for Visa. To order a MasterCard card, you must visit the bank branch. When issuing additional cards, the client must pay 2.5 thousand rubles. Maintenance of gold plastic will cost him 3 thousand monetary units of the national currency.
Additional terms and conditions
To get a gold card of Sberbank, you must also take into account some additional requirements. Only customers whose age is over 21 years old and has not yet reached 65 years old can request a loan. When contacting the bank, it is necessary to provide documents confirming the registration of the future card user in the same area where the branch is located. In addition, a person must have a working experience of at least one year and work at the last place of employment for at least half a year.
Card Usage Features
There are no serious differences between the ordinary and the golden plastic cards of this bank. Having received gold plastic, the client will be able to pay for purchases using terminals. Moreover, if there is such a function, then the owners of gold cards do not have to enter the pin code of the card when paying for services.
A plus of Sberbank’s gold card is that a client can withdraw cash from a credit account even with its absence, not only in the country, but also abroad. But it is worth considering that during this operation the bank will withdraw its percentage, it all depends on the individual conditions of service, the amount of withdrawal and the ATM on which the operation is performed. There is also a system of accumulating bonus points on the map. Detailed conditions for their enrollment should be considered depending on the type of plastic. The scheduled payment withdrawal function does not change, regardless of the location of the client. This simplifies the process of monthly payment of bills and significantly saves the time of the card holder.
Card limit
The maximum amount that can be stored on the bank’s gold card does not exceed 600 thousand rubles. But in some cases, the bank makes concessions and may change this value depending on the individual needs of the client. There are also restrictions on cash withdrawals. So, at one time the cardholder will not be able to withdraw more than 50 thousand rubles. If there is a need to complete an operation in excess of this amount, you should contact the nearest branch of Sberbank. With Platinum cards, holders can withdraw up to one million rubles per day. Visa Gold allows you to withdraw up to 300 thousand rubles per day. But the owners of Visa Classic will not be able to help out an amount in excess of 150 thousand rubles.
Translations
Often customers need to transfer certain amounts from one card to another. Gold plastic owners can make transfers not exceeding 100 thousand rubles. If there is a need to carry out an operation in excess of this amount, then you need to identify yourself as a client using a financial number.
You can also immediately set transfer limits when applying for a card, then the amount of one deduction of money to another card can exceed half a million rubles. Between Sberbank cards transfers of up to 10 thousand rubles are carried out without commission. When sending money to the accounts of other banks, 1-2 percent of the transfer amount is withdrawn. Up to a million can be transferred between your cards. The number of transfers per day is also limited and cannot exceed one hundred transactions per day.
Pros and Cons of Sberbank Gold Card
Among the advantages of using "Gold" plastic are the opportunity to participate in promotions and sweepstakes, the function of automatic payment for services, the presence of a chip that additionally protects the client's finances. In addition, the advantages of a gold card are the ability to easily and conveniently recharge your phone, a large limit for cash withdrawals per day, compared to conventional cards, round-the-clock customer service, free plastic replacement in case of loss, a high limit and service in more than a hundred countries. Well, the most noticeable plus is the prestige of having a customer with gold plastic. Such a card immediately shows the status of the person who uses it.
As for the cons of the gold card of Sberbank, then probably the most significant is the high cost of its servicing. The annual loss of 3 thousand rubles is actually not the most pleasant way reflected in the family budget. Not all types of gold plastic support certain promotions and bonuses, therefore, to avoid such problems, it is better to register Visa Gold right away, it supports almost all the advantages that the bank offers. Although in other countries, similar products are more developed and functional.