Today, Sberbank offers citizens a huge selection of banking products. Credit card is especially popular among them. What this card is, why it is needed and how it works will be described in this article. Judging by the reviews, Sberbank credit card for 50 days has won its place in the hearts and wallets of citizens of our country. This is a product that makes it possible to freely use the bank's funds for a certain time, without paying interest. According to customer reviews, this Sberbank credit card is in high demand among those who need money, which can be returned in a fairly short time.
Card issuer
Sberbank is the largest bank in our country and neighboring countries. According to official statistics, its assets make up about twenty-five percent of the entire banking system of Russia, while its share in banking capital is about one third. Sberbank is a modern credit institution. It meets the needs of citizens and organizations through the provision of quality banking products. The Bank is recognized as one of the main creditors of the economy of our country. The basis of the business of this credit institution is to attract client funds and ensure their absolute safety. The key to success of Sberbank lies in the development of mutually beneficial relations with private and corporate clients.
One of the most popular services of the bank is lending to private clients. A credit card is a product designed to carry out such operations, according to which settlements are carried out only at the expense of funds provided by a commercial institution in accordance with the terms of a loan agreement prescribed in advance. Each bank necessarily sets a limit on the amount that the client can dispose of, based on what his financial situation is. The terms of use, interest of Sberbank credit card, according to the feedback of borrowers, compares favorably with similar services that other commercial institutions offer.
Types of cards with a grace period
According to customer reviews, Sberbank credit cards remain one of the most popular in the banking market. Here is a list of cards:
- Credit cards "Visa" with bonuses. Now it is possible to issue a classic or instant Visa card with a FIFA design or a Visa gold credit card in a regular design until July 31 of the current year. You can pay for purchases and return to yourself 5% for the services of cafes and restaurants, as well as 20% when paying for goods in sports stores before the end of this year. The card provides a unique discount program from the VISA international payment system, the ability to manage an account through the Mobile Bank and Sberbank Online services, and also allows you to conduct transactions in a virtual space in a secure mode. Clients can replenish cards in any way and bind them to electronic wallets (Yandex and others).
- Cards "Master Cards" (classic, gold and premium). Credit cards of Sberbank Mastercard, according to user reviews, make it possible to pay for goods in many countries of the world, receive a card on special conditions, use various services, including participation in raffles of gifts and prizes.
- Visa Aeroflot cards (classic, gold and premium). The main advantages of these credit cards are the availability of bonuses, the accrual of miles after each payment for goods or services, as well as after purchasing tickets through Aeroflot. For example, judging by the passenger reviews of Sberbank's Visa Gold credit card, customers value the product for the function of linking multiple accounts, the ability to use the card anywhere in the world, and the availability of additional services, including, for example, the right to purchase membership beloved by many passengers in IAPA.
- Visa Card "Give Life". According to customer reviews, Sberbank's “Give Life” credit card is considered to be one of the most successful charity projects of the bank.
Differences in Payment Systems
"Visa" and "Master Card" are among the most famous and common payment systems. They allow you to pay for purchases and services.
"Visa"
The American payment system "Visa" is used in two hundred countries around the world. She owns a third of all the cards on the planet. Dollars are the main currency for the Visa. In the US, it is better to use it. Credit card of Sberbank "Visa Gold", according to reviews, the most popular product issued by the bank. Its benefits are described below.
The system offers a premium level product. And this is not just a card, but a symbol of your position in society, emphasizing the solvency of the owner. Gold cards entitle you to a number of special services. The Visa payment system provides its customers with specialized assistance abroad. Remember that in addition to the payment system service, there are also bank services. Often the functionality of the card is supplemented by offers from the issuer itself.
Card Master
The head office of Master Cards is located in the USA, but its base currency is Euro. In Europe, it is better to use this particular card. According to customer reviews, the credit card of Sberbank "Master Card" never causes problems for customers working and traveling in European countries. It is worth writing about the program of discounts and privileges of the international level "Priceless Cities", which started many years ago. Today this status is assigned to several megalopolises on all continents: London, Sydney, Toronto, the capital of our country and several other settlements. The main goal of the program is an individual approach to the interests of each card holder. The program is based on cooperation with museums, restaurants and recreation areas, which allows card holders to take advantage of the unique discounts provided by the program partners.
According to reviews of Master Card Gold by Sberbank, a credit card provides an opportunity to receive discounts when renting cars abroad, gives you the right to participate in discount programs and allows you to get them from partners of a lending institution.
Credit Cards "Visa" and "Master Card"
- Products "Visa Classic" and "Master Card Standard" are universal cards that provide many opportunities to their users. The maximum amount is 600,000 rubles. The loan rate is from 23.9% to 27.9%. The size of the commission is 3%. Up to 50,000 rubles can be withdrawn in cash through an ATM, and up to 150,000 rubles through an institution’s cash desk. There is no annual maintenance fee.
- Cards "Visa Gold" and "Gold Card Master." These Sberbank credit cards, according to reviews, are related to premium products that provide access to special offers. The maximum amount is 600,000. The minimum loan interest is from 23.9% to 27.9%. The annual service charge is from zero to three thousand rubles per year. A maximum of 100,000 rubles can be withdrawn through cash through an ATM, and 300,000 rubles through a cash desk. First of all, the advantages of a Sberbank gold credit card, according to customer reviews, include permission to overdraft an account, the possibility of using it anywhere in the world and receiving such a bank card on conditions previously agreed upon. Additional features provided by the bank also delight customers. Such services, according to customer reviews of Sberbank's gold credit card, include insurance, discounts on other banking products, use of the help desk, membership in the special Countdown program, acquisition of membership in IAPA, as well as HERTZ car rental.
Platinum cards
Visa Signature and Master Card World Black Edition products are credit cards that can be used to return up to 10% of the value of purchases to the holder’s account. The maximum amount is up to 3,000,000 rubles. Interest rate from 21.9%. The price of annual maintenance is up to 12,000 rubles. According to reviews, the terms of use of Sberbank credit cards in this segment attract the attention of successful business people who know a lot about high-quality banking products.
VISA Card "Give Life"
According to reviews, the conditions for using a Sberbank Gift of Life credit card are very attractive. We list them:
- The validity period of the card is three years.
- The cost of service is from 0 to 900 rubles per year.
- The maximum credit limit is not more than 600,000 rubles as part of an individual offer to customers and up to 300,000 rubles as part of a general offer.
- The loan rate is from 23.9% to 27.9%.
- The period free from payment of interest is 50 days.
- There is no possibility of issuing additional cards.
According to reviews, Sberbank's “Give Life” credit card allows you to carry out charity acts on an ongoing basis, because 0.3% of each purchase is transferred to the assistance fund.
Credit Card Terms
To receive a Sberbank credit card for 50 days, you must meet the following requirements of the bank:
- Have citizenship of the country.
- Have a working experience of at least six months.
- The age of the borrower is not less than twenty one years and not more than sixty five years.
- Have a good credit history.
Credit Card Documents
Many customers write positive feedback on Sberbank credit cards for 50 days, noting that in order to receive the product you need to provide a small package of documents:
- Passport of a citizen indicating the place of registration.
- INN
- Certificate of income with a loan amount of more than one hundred thousand rubles.
- Information on form No. 2 NDFL in the absence of a salary account at a Sberbank credit institution.
Card Limit Information
There are several ways to specify the card limit:
- An SMS message with the word "BALANCE" and the last four digits on the card to phone number 900.
- Sberbank Online client application.
- Personal account of a citizen on the official website of a commercial bank.
- Self-service device (payment terminal, ATM).
Loan repayment methods
There are several options that are convenient for the card holder to pay off Sberbank credit card debt:
- In cash at a bank branch or self-service device.
- By non-cash method (transfer from a card or account).
- With a bank card, through your personal account.
Reviews
Here are summarized reviews about the conditions of Sberbank credit cards. This will help potential customers make the choice:
- According to customer reviews, Sberbank credit card allows you to get a loan for citizens with a sufficiently large limit (six hundred thousand rubles). If the client does not apply to the bank for the first time and has no comments on previously issued loans, the bank may increase the maximum amount.
- Interest on a credit card of Sberbank, according to customer reviews, always accrues only on funds that were withdrawn from the card. No additional fees will be charged.
- Many users have difficulty understanding the conditions for using a Sberbank credit card. According to reviews, the interest accrued after the end of the grace period of the loan often turns out to be greater than the estimated calculations of customers. Here you can give only advice: you need to clearly understand how long the grace period lasts. For example, if the reporting period started on June 8, and on the same day payments were made for purchases, then there is time until July 27 to pay off debt without interest. If the purchase is paid on June 22, then until July 27 there are thirty-five days to pay off the full amount of the debt at 0% (fifteen days of the reporting period and twenty days of the payment period). Remember that the duration of the grace period is easily calculated using the online calculator from Sberbank.
- Judging by the reviews of Sberbank credit cards, their main advantages are two points. Firstly, the ability to withdraw money throughout the country, as well as anywhere in the world. Secondly, the ability to issue a card online.
- According to reviews of Sberbank credit cards, their main disadvantages are also in two points. Firstly, the need to pay a fee for cash withdrawals. Secondly, the need to provide a statement of income when agreeing on a card limit of more than one hundred thousand rubles. To do this, you must have a positive credit history and confirmation of employment.
- Reviews about "Master Card Gold" from Sberbank, a credit card of this level is called the most convenient means of payment. It is especially suitable for lovers of traveling in Europe.
- Visa's reviews of Sberbank Gold credit card confirm that it is possible to receive pleasant discounts at almost all airports in the world, which allows traveling with special comfort.
Such diverse products are offered by Sbrerbank to its customers.