Visa card (Sberbank): customer reviews

Sberbank is one of the largest financial institutions on the Russian market. Every day millions of people use it. Today, like many other credit institutions, Sberbank is actively developing a variety of card products. This convenient service allows you to make purchases and receive cash not only in Russia, but also outside it.

Sberbank cards are very popular among the population. This is primarily due to the large number of branches and the largest network of ATMs in Russia. Due to this it is very easy to issue a Mastercard or Visa card. Sberbank can be found in almost any locality.

Sberbank is engaged in the issue of plastic cards of various payment systems. But the most popular in Russia traditionally use Visa and MasterCard. The maps of other systems are somewhat more complicated. Not all sales outlets will be able to accept payment for them. But even among the two main systems, most users prefer the "Visa" cards.

Types of Visa cards

Cards of the payment system "Visa" Sberbank produces in a variety of formats, from the most simple issued immediately at the time of treatment, to premium. Each of them is distinguished by an accessible set of services and privileges, as well as the cost of services. For example, for the service "Visa Classic" Sberbank will take 750 rubles in the first year and 450 in the rest, and maintenance of the card from the Gold series will cost already in 3000.

All cards, except for the most simple, give the opportunity to enjoy discounts from payment systems. In addition to holders of registered cards, such as Visa Gold, Sberbank offers the possibility of withdrawing money on standard terms in its subsidiary banks located in Kazakhstan, Belarus, Ukraine, Turkey and other countries.

There is also an opportunity to issue cards with bonuses. To the owner of such a "Visa" card, Sberbank will additionally charge special points that can be spent by partners, for example, when paying for air tickets or spend on charity, depending on the chosen program.

Credit and debit cards

All cards "Visa" Sberbank divides into two categories: debit and credit. The first allow you to conveniently use your own money to pay for the goods, and the latter allow the client to use the bank's money in debt.

A pleasant feature of credit cards "Visa" of Sberbank is the availability of a grace period. In the framework of it you can use the money of the bank and not even pay for it interest.

Sometimes in the credit organization there are actions in which some cards, for example, "Visa Gold", Sberbank issues without commission for annual maintenance.

Instant cards

Special attention should be paid to the cards eaten immediately when the client applies, one of them is the Visa Electron Momentum card. Sberbank does not take a commission for servicing and issuing a plastic card. But it opens not only the opportunity to use money with great convenience, but also to get access to "Sberbank Online", which allows you to comfortably pay for such necessary services as utilities, the Internet and so on.

Mapping

Get a debit card "Visa" Sberbank offers from 18 years old, and for registration it will only need a passport. Credit cards are somewhat more complicated, they are issued only from the age of 21 and a mandatory requirement will be a certificate of salary for the last 6 months.

You can issue a card in any branch. To do this, you need to contact any specialist, draw up the necessary statement and sign the papers. After this, if a credit card or a simple registered card is ordered, the bank will review the application and inform about its decision. However, usually it does not take more than 2 days.

It is worth noting that only the Momentum cards will be issued immediately, all the rest will have to wait a few days until they are produced and delivered to the right branch.

Salary clients often receive special offers from Sberbank and they do not have to pay for annual maintenance of their cards. Also they may not provide a certificate from their place of work. All the information necessary for registration is already in Sberbank.

Recharge cards

Sberbank always offers convenient ways of depositing money on the card. To do this, you can use one of the following methods:

• In the department. You can replenish the card in any office, which is easy to find throughout Russia. For the operation it is enough to know the card number and carry a passport with you.
• At the ATM. With a card, you can replenish it very simply in any self-service device of the Savings Bank with the function of accepting cash.
• Non-cash payment. To transfer money to a card from another credit institution is the easiest way to do this. Requisites can be found in "Sberbank Online" and check with the bank's operators.
• Translation. Another of the most useful "chips" cards Sberbank - the ability to quickly make a transfer to them from another card. To do this, the sender needs to know only the card number, and in a number of cases one can manage only the phone number of the recipient.

Card products are becoming more popular among the population. Due to the fact that Sberbank offers a lot of convenient ways of replenishment and additional services, as well as high stability, its choice by many customers is fully justified.