Each bank, in order to attract as many new as possible and interest old customers, regularly updates its line of loan products. This is exactly what Sberbank of Russia is doing, in the “service portfolio” of which there are several dozen diverse programs and offers. One of these is the credit card of Sberbank “Momentum”. On what conditions can it be issued? What are its advantages? What other cards are there in Sberbank?
What loan products does Sberbank offer today?
Currently, each client of Sberbank has the opportunity to draw cards from the following categories:
- universal credit cards;
- affiliate credit cards.
At the same time, universal cards include such cards as:
- "Classic."
- The Golden.
- "Instant."
Affiliate cards include Give Life and Aeroflot credit cards.
What are these “Golden” MasterCard and Visa cards?
These cards include premium credit cards with a wide range of current offers and services. The credit limit for such plastic is up to 600,000 rubles. Interest when using the card starts from 25.9%. The document is designed for a full three years of validity. It provides a free annual service, and you can place an order for it with a passport and another document from the bank's list (for example, it can be a driver’s license). Similarly, other Sberbank credit cards are issued. The conditions for their activation and discovery will be considered later.
Visa and MasterCard Gold, as a rule, have a high level of security and can be opened in local currency. Their grace period is up to 50 days. The total price of the service (depending on the number of connected services) can range from 0 to 3,000 rubles per year.
Opportunities for Gold Cards for Sberbank Customers
Each Sberbank credit card (Momentum, Classic), including Zolotaya, opens up new opportunities for its holders. For example, “Thank you from Sberbank” accumulation programs, incentive and seasonal prize draws from payment systems, after-sales service (using the contact center), and electronic cash withdrawal services (if the card is lost outside the country) are connected to premium cards.
In addition, credit cards of this class support remote servicing and account management, the Auto Payment service and other operations.
What are the features of the Sberbank instant card?
The credit card of Sberbank “Momentum” (reviews about it will be below) is a universal credit card with a limit of up to 120,000 rubles. It is supported by international payment systems Visa and MasterCard and has a shelf life of up to 3 years. Its main advantage over others is registration in just 10-15 minutes.
Additional features of the Instantum card
Sberbank credit card (credit) “Momentum”, as well as Premium segment cards, is connected to the “Thank you from Sberbank” accumulative bonus program, supports “Auto payment” and remote servicing. In addition, having issued this credit card, you can perform any payment transactions in a safe 3D-secure mode, without fear for the safety of your personal data and money in your account.
The Instantum card allows you to pay for goods and services by bank transfer. This can be done in foreign partner banks, subsidiaries, as well as through ATMs and self-service points, terminals. The credit card of Sberbank Momentum is replenished either in cash or by bank transfer. The grace period for plastic is up to 50 days. What is most important for freelancers and people of creative professions working through the Internet, this credit card can be tied to virtual wallets (Yandex.Money, Webmoney).
Who can get a credit card at Sberbank?
Based on the requirements of Sberbank, the Momentum credit card can be issued by citizens aged 21 to 65 years. In addition, in order to receive plastic you must have a permanent registration and citizenship of the Russian Federation, as well as a total work experience of at least a year. In this case, I mean the performance of your official duties over the past 5 years. At the same time, you must work at least six months at your current place of work.
A card is issued at the Sberbank branch on the passport.
Under what conditions can I use the instant card?
Before applying for a credit card, you need to study the conditions of its service. So, the “Instantum” credit card (Sberbank) (cash withdrawal conditions and other payment transaction rates can be seen in the photo) does not provide for paid services as part of the pre-approved offer. The size of the rate is from 25.9% per annum. During the grace period, interest is not paid. In case of non-observance of the repayment terms of obligatory payments and the amount of the loan, the cardholder will be charged a penalty of 36% per annum.
Sberbank (credit card): cash withdrawal
When withdrawing cash within the limits of subsidiaries of credit organizations of the Russian Federation, as well as in Sberbank branches, a fee is charged from the client in the amount of 3% of the total amount (not less than 390 rubles). In case of cashing of plastic in third-party financial institutions, the size of the commission increases to 4% of the amount. In addition, when withdrawing cash, you must remember the established daily limits. So, each owner of an instant card has every right to withdraw money through ATMs, but within 50,000 rubles.
Sberbank “Instantum” credit cards (we examined the conditions for processing them above) allow you to cash out according to certain rules. If money is issued at one of Sberbank's cash desks, then the limit is 150,000 rubles. The same restriction applies to cash withdrawals through cash desks of other financial organizations. The maximum amount when carrying out transactions on the transfer of money to replenish a credit card is 10,000,000 rubles. Any other non-cash card transactions are carried out without commission.
Sberbank Momentum credit card also provides for the provision of paid information. For example, for each request through an ATM at an affordable amount of a credit limit, a bank client will be able to pay 15 rubles.
What's new in the classic cards of Sberbank?
Sometimes an old and good classic is the best way out of the situation. Therefore, if you do not want to delve into the details of "Premium" or "Universal" cards, you always have the opportunity to apply for a classic credit card. The size of her credit limit is up to 600,000 rubles. Interest on the loan - from 25.9% to 33.9% per annum. The cost of servicing plastic during the year for regular customers of the bank is 0%, and for new ones - up to 750 rubles.
Cards of this category are connected to standard programs operating on the principle of "pay and earn bonuses." You can manage them using remote services of Sberbank, for example, Mobile Bank. To apply for a credit card, you can either directly go to a financial institution or apply online.
What other credit cards are valid at Sberbank?
Currently, the following types of credit cards can be issued at Sberbank:
- Give Life cards Visa Classic (with annual service up to 900 rubles);
- Plastic Visa Gold “Give Life” (with an annual service amount of up to 3,500 rubles);
- Aeroflot Visa Classic and Gold credit cards (with a service amount of up to 900 rubles and up to 3,500 rubles per year);
- youth credit cards Visa Classic and MasterCard Standart.
How to fill out an application for a card online?
In order to fill out the application online, you must first download it. In this form you must specify:
- your contact details;
- the presence of education (secondary special, higher);
- address of the actual residence;
- marital status;
- information about the main job (individual entrepreneur, wage worker);
- position;
- terms of work in the organization you have indicated (current place of work);
- Kind of activity;
- salary, etc.
Also in the application you must indicate the name of the credit card that you plan to open in the near future. Next, the completed and sent application will be considered by representatives of the bank. After about 1-2 days they will give an answer.
What do users say about Sberbank credit cards?
Before applying for a particular bank card, you must first examine the reviews. So, the credit card of Sberbank “Momentum” (reviews about it you will find in this article) has a large number of wishes and comments. For example, some credit card holders speak about it in a positive way. They report that they are pleased with the high speed of plastic design. Others like the fact that a credit card can be attached to virtual wallets.
Still others, on the contrary, are dissatisfied with the slow service of the call center employees, who, when contacting them, solved the problem of the latter slowly. But here opinions differ. For example, many report troubles that, thanks to the prompt intervention of bank representatives, were avoided. In this case, we are talking about the loss or theft of a credit card abroad. According to them, in a matter of seconds, bank employees blocked a lost or stolen card and provided the victim with the necessary amount thanks to the emergency cash assistance service.
Many customers liked the opportunity to pay utility bills with this card, which undoubtedly eliminates the need to go to a bank or savings bank and stand in line. However, some believe that, on the contrary, it is cheaper to make transfers through the cashier than to do it using a card, since a large commission was taken from them for a small amount of transfer.
Quite a few people are delighted with the large grace period of 50 days when it is possible to make payments by card without interest.
Some talk about such a positive moment, as the transfer of money from an old paper passbook to a card. Such a service is undoubtedly convenient and very fast.
Almost all customers are satisfied with the connection of convenient services and loyalty programs, fast service and high speed of receiving funds.
In a word, each of the cardholders has something to say. However, these reviews, as often happens, are both positive and negative. Therefore, to get a general idea of a credit card, you need to look at both of them, and only then draw a conclusion.