In the article, we consider what the fee for servicing a bank card in Sberbank is.
Sberbank provides its customers with a range of services and financial products: from deposits and credit loans to bank cards and a variety of bonus programs. This article will discuss Sberbank cards, such as Visa, MIR, MasterCard, their features and service charges. Each product is characterized by its own limits, capabilities and service charges for Sberbank cards, which helps to choose the appropriate type of banking services depending on the necessary functions of this financial instrument.
The main types of cards and their features
Since Sberbank's clients are people of various age categories, a financial institution offers an extensive list of plastic cards that will satisfy the requirements and needs of a particular group: from instant to gold. In addition, for customers who take an active part in bonus programs (for example, “Thank you”), Sberbank has issued a “Card with Big Bonuses”, which provides increased accrual of discounts and points in partner stores. In addition to choosing the type of bank card, an individual plastic design is available to all customers of this financial institution.
Due to the popularity of the financial product, many customers are interested in what is the fee for servicing the MIR card from Sberbank. We will talk about this later.
Debit and Credit Cards
Since the organization offers a wide selection of plastic cards with their own conditions and service costs, characteristics, the products are divided into two types: debit, when the client uses only personal funds, and credit for borrowed funds. Such cards differ among themselves not only in characteristics and purpose, but also in the cost of maintenance. In addition, credit and debit cards are divided by type of service payment system. Currently, cards are serviced by MasterCard and Visa.
We will tell about the fee for annual servicing of a Sberbank card below.
Debit and credit plastic cards provided by Sberbank are also divided into subspecies. Such a separation is based on the presence of additional privileges, the nature of use and participation in various programs. Depending on the payment systems, Sberbank presents the following types of plastic cards.
Momentum
Entry-level cards (simple) Momentum from MasterCard or Visa are issued within 10 minutes at the bank branch, they are completely free to maintain. This type of plastic card is designed for students, minor customers and retirees. Momentum cards are intended for money management, remote self-service, as well as for cashless payments and transfers. Such cards have some restrictions when used abroad or in the online space.
Virtual Card Internet from MasterCard and Visa
This type of card is distinguished by the absence of a direct physical medium (plastic design), however it has the details for making payments. Such cards can be tied to electronic wallets. They are intended for safe settlement operations on trading floors and in online stores.
Youth cards
Sberbank youth cards are issued as part of a service package designed for students and schoolchildren. There are three types of cards: 18 and 21+ (student), 14+ (for students) and 0+ (contributions for children). Feature of such cards are bonuses for purchases.
Classic cards from MasterCard and Visa
The fee for servicing Visa cards from Sberbank is not very high. The popularity of such financial products is explained by attractive service charges, reliability. They provide access to all the services of a banking organization. Cards of this variety are used for cashless payments in virtual and real spaces, account management through a personal account, as well as for various payments. The fee for servicing a Sberbank credit card is considered quite acceptable.
Gold MasterCard and Visa
This kind of plastic cards from Sberbank emphasizes the status and provides the opportunity to use additional privileges. Affiliate companies offer discounts to holders of golden category plastic cards. This financial instrument can also be used when booking hotel rooms, plane tickets, goods in shopping centers, etc. Some customers are not even aware of the annual service fee for a Sberbank card.
Premium Visa Cards
These bank cards are characterized by increased bonuses. When paying bills with Premium category cards, up to 10% of the price of the goods is returned to the holder in the form of “Thank you” bonuses. The “Card with Big Bonuses”, like the gold one, provides additional bonuses and discounts when buying tickets for the “Thank you Travels” program, privileges when booking tickets for various events under the “Thank you Impressions” program, as well as discounts for gas stations.
Other products
When paying for goods on a card from Sberbank “Give Life”, 0.3% of their value is transferred to the “Give Life” fund.
By paying with the Aeroflot card, you can accumulate bonus miles that you spend on flights.
The MIR card, on which pension or salary may be accrued, is automatically connected to the Thank You program. As for the payment for servicing the MIR bank card from Sberbank, the period of using the financial product plays a certain role here. In the first year, the client pays the full cost of the service, and from the second year the fee is significantly reduced.
Tariffs for servicing cards from Sberbank
Only three types of cards of this financial institution are served free of charge. These include Momentum, Digital and Pension products from MasterCard and Visa.
The fee for servicing other types of Sberbank bank cards is:
- Classic cards, including MIR: 750 rubles per year (second and subsequent - 450 rubles).
- Classic cards with contactless technology: 900 rubles per year (from the second and subsequent years, this tariff is reduced to 600 rubles).
- Youth cards - 150 rubles per year.
- Cards of the Premium category: upon issuing such a plastic card by October 10, 2019, the maintenance fee will amount to 2,400 rubles per year.
- Gold cards are serviced at a cost of 3,000 rubles per year, as well as 4,900 rubles for subsequent years.
- Aeroflot card: 900 or 3,500 rubles per year (depending on variety).
- The “Give Life” card is serviced at a price of 1000 rubles in the first year and 450 rubles for each next.
The cost may change in one direction or another, therefore it is better to clarify it before registering a banking product.
We examined what the fee for servicing bank cards from Sberbank of all popular types is.