Sberbank of Russia is, perhaps, the most populara 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 the Savings Bank. 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 its use provide the holder with many privileges. In addition, the product has several advantages.
a brief description of
The golden card has a standard look, only its designdiffers from the ordinary specimen by its coloring. Plastic - gold color. On the front side are all standard data: card number, name of the holder and the time of action.
Of all the products offered by differentbanks, one of the most notable is the gold credit card of Sberbank of Russia. Terms of use of it are transparent. Interest on the amount of debt fluctuates from 17 to 23. The main currency of accounts is the Russian ruble.
Everyone wishing to receive such a credit carda citizen just can not. It belongs to the category of premium. The holder of such a card is a regular customer who deserves Sberbank's trust and has a high social status. At the same time, although for him the annual interest on the loan amount is reduced, he still has to pay a card maintenance fee of three thousand rubles a year. The term for the operation of this product is established by Sberbank for three years.
Types of cards
Рассматриваемый продукт достаточно новый.But for today it is clear that the gold credit card of Sberbank of Russia (reviews about which in the majority 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 one is a co-branding card with the mobile operator MTS.
The product "Give life" is uniqueoffer with a charitable bias. Such a card is not issued by any other bank. The purpose of introducing 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 maintenance and 0.3% of the amount of each purchase are transferred to his account.
Advantages for the holder
Become a holder of the product in question maynot every borrower. For obtaining 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.
- 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.
- 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.
- When calculating gold credit cards in Sberbank partner shops (and other retail outlets), significant discounts and bonuses are made.
- Constant, complying with all conditions, cardholders are provided with a revolving limit for the loan amount from 15 to 600 thousand rubles.
- The product allows you to study the perfect operations online.
- The card is equipped with the ability to connect to payment systems via the Internet, for example, to PayPal.
General conditions of issue
Permanent customers who cooperate withthe organization in good faith and have financial security on accounts in large sums, most often offered a gold credit card of the Savings Bank. 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.
Most often to get a credit card clientapplies to the bank independently. An application is made in the nearest branch of Sberbank or on its website. The issue of issuing a card is considered within two days.
A personal offer can be made by Sberbankholders 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 department and ask if you are entitled to a gold credit card from Sberbank. The feedback indicates that the offer to become its owner along with the amount of the limit is displayed on the cash dispenser screen.
Basic requirements to 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 on 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 thatare reported 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 story 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 him the status of a premium customer.
In the matter of repayment it is necessary to know that it is best to make payments through ATMs or cash departments of Sberbank. Today there is another payment option - through the online system.
Льготный период, т. е.The time when no interest is charged on the limit amount is 50 days. However, it should be noted that this period does not apply to 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 check the conditions in advancerepayment of debt, if you received a gold credit card "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;
- repay debts for medical, repair services, etc .;
- pay for travel documents.
Comparison
To assess the premium value of a gold card, it would be best to compare its characteristics with similar products in other institutions.
Alfa Bank offers annual interest rates from 18 to33. At the same time, the grace period for the cards of this institution is 60–100 days. The maximum limit is the amount of 300,000 rubles. And the annual service fee varies from 1,500 to 3,000 rubles.
VTB 24 has a clear interest rate ofloan in question at 22%. The maximum amount for cash is 600,000 rubles, and the grace period is 50 days. Servicing a VTB 24 credit card will cost the client from 2,000 to 3,500 rubles.
Raiffeisenbank offers interest on such a credit card from 24 to 27. The maximum amount is 600 000 rubles, and the payment of annual service will cost the client in the amount of 1500 to 28 000.
Summing up, I would like to note that manyCitizens of the Russian Federation appreciated the advantages of such a product as Sberbank's gold credit card. The terms of use of this offer allow making bargains in stores both in the home country and in other countries. In addition, the card has a feature - there is no payment for its annual service.
