Gold credit card of Sberbank: terms of use, interest, reviews

Sberbank of Russia is, perhaps, the most popular credit and financial institution in the entire banking system. And this state of affairs is connected with the confidence of the population. In addition, most of the budget services work through a service in Sberbank. Pensions, allowances, scholarships are just a small part of the income entrusted to this financial institution. The majority of able-bodied citizens receive their payment for work through the Savings Bank. And what about the contributions that people bring to the institution in question for safekeeping and accrual of interest? Thanks to this trust and high demand, Sberbank constantly improves the product line for the population and organizations. One of the new products is the gold credit card of Sberbank. The terms of using it provide the holder with many privileges. In addition, the product has several advantages.

a brief description of

The view from the gold card is standard, only its design differs from the ordinary copy by its coloring. Plastic - gold color. On the front side are all standard data: the card number, the name of the holder and the time of action.

Of all products offered by various banks, one of the most notable is the gold credit card of Sberbank of Russia. Terms of use are transparent. Interest on the amount of debt fluctuates from 17 to 23. The main currency of accounts is the Russian ruble.

Such a credit card to get every willing citizen just can not. It belongs to the category of premium. The holder of such a card is a regular customer who has earned the trust of Sberbank, which has a high social status. At the same time, although for him the annual interest on the loan amount has been reduced, he will still have to pay a card maintenance fee of three thousand rubles a year. The term for the operation of this product is set by Sberbank for three years.

Types of cards

The product is quite new. But for today it is clear that the gold credit card of Sberbank of Russia (reviews about which in the majority are only positive) becomes popular and almost indispensable attribute of everyday life. The 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 for the services of the airline "Aeroflot". The second is a co-branding card with the mobile operator MTS.

The "Give Life" product is a unique offering with a charitable bias. This card is not issued by any other bank. The purpose of implementing this product is not just an elite consumer lending, but also a gratuitous replenishment of the charitable fund. To do this, 50% of the amount for servicing and 0.3% of the amount of each purchase are transferred to his account.

Advantages for the holder

Not every borrower can become a holder of the product in question. For the receipt of certain requirements are put forward. Significant financial prospects are awaiting those customers who will get the gold credit card of Sberbank. The advantages are obvious.

1. With the product Visa is easy to pay for goods and services in any foreign country. It is also quite easy to make calculations on the Internet.
2. From the credit card in question it is possible to withdraw cash in any ATMs not only of Sberbank, but also of other financial institutions both in Russia and abroad.
3. When calculating a gold credit card in Sberbank partner shops (and other retail outlets), significant discounts and bonuses are made.
4. Constant, complying with all conditions, cardholders are provided with a renewable limit for the loan amount from 15 to 600 thousand rubles.
5. The product allows you to study the perfect operations online.
6. The card is equipped with the ability to connect to payment systems via the Internet, for example, to PayPal.

General conditions of issue

To regular customers who cooperate with the organization in good faith and have financial security on accounts in large sums, a gold credit card of Sberbank is most often offered. Terms of use of this product seems to have no significant differences from the operation of other offers. But they also give the cardholder a number of privileges.

More often than not, a client applies to the bank for obtaining a credit card. 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.

Personal offer Sberbank can make holders of salary and debit accounts, depositors and borrowers, except for customers who have other credit cards. Usually the offer comes to the client in the form of a phone call or mail notification. You can go on your own initiative to the nearest structural unit and ask if you are entitled to a gold credit card from Sberbank. Feedbacks indicate that the offer to become its owner along with the amount of the limit is displayed on the ATM screen.

Basic requirements for the borrower

To obtain a gold card in Sberbank, you need to know about the mandatory requirements for the borrower. It:

• Presence of a permanent registration in the territory of the bank's location 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 registration of the card. If the borrower meets all eligibility criteria and if there are favorable factors, such as a positive history and the availability 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.

Gold credit card of Sberbank: terms of using the grace period

This question interests the customers first. Among the many products is a special golden credit card of the Savings Bank. Terms of use of this offer are considered to give the holder some privileges. All this unobtrusively creates to it the status of the client of a premium class.

In the issue of repayment, it is necessary to know that making payments is best through Sberbank's ATMs or cash desks. Today there is another payment option - through the online system.

Grace period, i.e., the time when interest is not charged for a limit amount, is 50 days. However, it should be noted that this period does not cover the return of money received through the ATM. If there is no possibility to return all the amount used from the card, it will have to be paid in certain parts. One-time payment must be at least 5% of the total amount.

It is best to get acquainted with the terms of debt repayment, if you received a gold credit card of "Sberbank of Russia". Interest on the card can be accrued not only under the contract, but also for violation of payment terms. They will be 36% per annum.

Practical application of the map

Having received a gold card, you can daily use the product safely in various situations:

• Pay for food in restaurants and cafes (especially in bank partners, who 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;
• To pay off debts for medical, repair services, etc .;
• Pay for travel documents.

Comparison

To assess the premium value of a gold card, it will be best to compare its characteristics with similar products in other institutions.

Alfa Bank offers an annual interest of 18 to 33. At the same time, the grace period for cards of this institution is 60-100 days. The maximum limit is 300,000 rubles. And the annual service fee varies from 1500 to 3000 rubles.

VTB 24 has a clear interest rate on the loan in question at 22%. The maximum amount for cash is 600,000 rubles, and the grace period is 50 days. The service of the credit card "VTB 24" will cost the client from 2000 to 3500 rubles.

Raiffeisenbank offers interest on such a credit card from 24 to 27. The maximum amount is 600,000 rubles, and annual service fees will cost the client in the amount of 1500 to 28,000.

Summing up, I would like to note that many citizens of the Russian Federation appreciated the advantages of such a product as the Sberbank gold credit card. Terms of use of this offer allow you to make advantageous 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.