Due to the widespread development of the card market beforebanking clients offer great opportunities. In the conditions of tough competition, credit organizations introduce products that have additional capabilities and participate in affiliate programs. Sberbank is also no exception here and offers a wide range of classic cards, bonus, debit and credit cards. Now we will discuss the question of what Sberbank cards are. The types are quite diverse, let's analyze each separately.
How to choose a Sberbank card?
The choice of debit card should be based onexisting needs, financial opportunities and lifestyle. In this case, you can take full advantage of all the benefits of this tool and get the maximum benefit for yourself.
Despite the fact that Sberbank cards types havecompletely different - their payment systems are mainly Visa and MasterCard, accepted for payment all over the world. These payment systems differ in that “Visa” is more common in the USA, Latin America, Australia and Canada, and “MasterCard” is in European countries and Africa.
Another difference is that billingthe system "Visa" for carrying out operations on currency conversion is charged 0.65% of the total amount of the payment. As for MasterCard, he does not charge a commission at all.
Instant Cards
Если карточка вам требуется в срочном порядке, и you do not have the opportunity to wait a couple of weeks, you can get a card immediately when you contact the bank. This requires a contract of banking service. In addition, Sberbank offers types of plastic cards that do not have annual service. And also nothing needs to be paid for the card itself. This option is the fastest and most economical, allowing you to pay for purchases in stores and services, depositing and withdrawing cash. These cards are not personalized, they can be used on the territory of the country, and they can also be used to make payments via the Internet.
Sberbank Youth Debit Cards
Types of these cards were developed specifically to meet all the needs of young people under 25 years. Their advantages are as follows:
- Annual maintenance costs only 150 rubles.
- No fee for withdrawing funds through an ATM within the daily limit.
- There is no commission for cash payments throughout the country.
- Universal application in the country and abroad.
- The possibility of making purchases over the Internet.
Debit cards Visa Electron and Maestro
Sberbank offers types of payroll cards VisaElectron and Maestro, as well as those of the classical level cards, but we will talk about them later. These are universal maps that allow operations in self-service areas throughout the region. Annual service on the card is 300 rubles. The daily withdrawal limit is only fifty thousand rubles. If the amount required is higher than the established limit, then in this case a fee in the amount of one-half percent of the amount is charged. If it is necessary to deposit or withdraw funds outside the region, a commission of 0.75% of the total amount is charged. What are the advantages of Sberbank card data?
- Types of such cards are relatively inexpensive.
- There are no fees for withdrawing and depositing cash within the home region.
- The possibility of making any payments, including via the Internet.
Card data is best used if youare not going anywhere to go outside the region, so as not to pay the commission. Otherwise, it is better to apply for another card in Sberbank. Bank card types are very different. Therefore, you can always choose the appropriate option for yourself.
Sberbank Classic Cards
Upon receipt of such a card, its owner receivesadvantage in the form of uniform conditions of service throughout the country and the world. You can withdraw cash within the established daily limit, which is 150 thousand rubles. In addition, you can receive funds without a fee, but only Sberbank debit cards have this option. Types of classic cards are basically the same in terms of conditions. They can be salary, personal, corporate and so on.
If withdrawals are made from an ATManother bank, in this case, the commission will be 1% of the amount + commission set by the bank, the terminal of which is used. In addition, the card can be recharged without additional fees.
Advantages of classic cards:
- you can not worry about the safety of cash, going on a trip;
- You can not worry about currency exchange, while abroad;
- making purchases at a very favorable bank rate abroad;
- You can withdraw funds perfectly in any currency, anywhere in the world.
Annual maintenance of this type of cards is 750 rubles.
Pension Debit Card "Maestro" social
This card can all citizenswho are entitled to receive a pension for old age, disability and loss of the breadwinner. It allows its holder not only to store, but also to increase his savings at the expense of quarterly interest on the balance of funds. The interest rate is 3.5% per annum. In addition, there are preferential terms of service provided by Sberbank. Bank cards - the types of social cards and the conditions of their service - in principle are no different from others, but they also have free annual maintenance. Benefits of social cards:
- The possibility of increasing their savings.
- The possibility of making purchases in all places where there is non-cash service.
- The possibility of self-payment utilities with ATMs and terminals.
- Free annual maintenance.
When using a card, be sure toremember that it is accepted for service only in the country. Cards of this level cannot be used as Sberbank salary cards. Their types are diverse, and under the same conditions you can use any other.
Sberbank Gold Cards
Cards of this level give their ownersa lot of opportunities. For this reason, it is worthwhile to spend a little more of your time and issue such cards of Sberbank. Types of plastic rectangles are no different from the others. They can be salary, personal and credit. Making such a plastic is not difficult. Simply come to any branch of the bank at the place of his residence. If you do not have a permanent registration, the request is considered individually by the manager, and if he makes a positive decision, the card will be issued.
Be sure to remember about the requirement that anyone who wants to issue a card must be at least 18 years old.
With the help of gold plastic cards you canget a lot of privileges. First of all, the currency of the card can be any, not necessarily ruble. For this reason, these cards are great for those who are constantly abroad. You can pay with Sberbank cards in all countries of the world where there is such a possibility. Sberbank is also in close cooperation with various organizations, which, accordingly, allows holders of gold cards to receive bonuses and discounts when serving in these companies. In addition, you can connect various services to the card, such as mobile Internet, Sberbank-Online and auto payment.
These are not all the benefits thatGold card holders. Card service is three thousand a year. Needless to say, this is not so cheap. But despite this, the cards still remain in demand.
