The name of the Sberbank bank card. What types of plastic cards are there in Sberbank of Russia? Special offers from Sberbank

Sberbank serves more than half of the population of Russia. Therefore, almost everyone is interested in the financial offers of the bank in general and Sberbank debit cards for individuals in particular. Let's analyze in detail what their terms of use are, how much maintenance and release cost, and what reviews leave customers who have already managed to evaluate the quality of a plastic product.

A debit card is a payment instrument used to pay for goods and services provided, as well as to cash out funds. The main task of the Sberbank card is to store the owner's money and make it possible to use it when necessary. All funds belong to an individual and are equated to term deposits, which means that their safety is guaranteed by the Deposit Insurance Agency. But the card itself belongs to a banking institution.

Classic debit

Maintenance cost - 750 rubles.
Can be ordered individual design Sberbank cards.
Contactless payment by card or smartphone.

Gold with perks

Maintenance cost - 3000 rubles.
Privileges and discounts from Visa and MasterCard.
Issue of additional cards is possible.

The second group of Sberbank debit cards includes those that give increased bonuses in the Thank You program or are focused on certain categories of expenses, such as travel.

Aeroflot for travelers

Service price — 900 rub. for the first year.
Accrual from 1 to 2 miles for every 60 rubles spent.
It is possible to issue in US dollars or Euros.

The third group of debit cards for individuals includes those aimed at a specific category of clients or a specific task. At the time of writing, this includes the following cards.

Give life to charity

The cost of servicing at Sberbank - 1000 rubles in the first year.
0.3% of each purchase is donated by an individual and another 0.3% is added by Sberbank
50 of the cost of the first year of service goes to a charitable foundation.

Sberbank debit cards with free service

For individuals, Sberbank in 2017 offers several cards with free service. The first one is social. Pensioners who receive their pension on it do not pay for it. State employees who receive a salary can also be exempted from paying if it is provided for by the salary project. Another type is called Momentum with instant issuance. It is free, but there are a number of limitations to its operation. You can learn more about these free cards by clicking on the links.

How to apply online

The bank does not put forward any special requirements to an individual. Everyone can apply for a Sberbank debit card on an online application on the official website. From the documents you will need only a passport of a citizen of the Russian Federation. You need to decide on the payment system, choose Visa or MasterCard.

The online application form itself consists of 3 steps. On the first one, basic information is entered: full name, citizenship, city of residence and mobile phone number. The second will require the input of data from the documents of an individual. On the third one, you need to select the address of the branch where it will be convenient for you to pick up your debit plastic.

Most of the population uses plastic cards instead of the usual wallets, there are many types of them, each of them has special characteristics and provides a variety of opportunities. Sberbank debit cards with free service allow you to store money, pay for purchases, make payments and transfers. You can get it at the office of the Savings Bank, just fill out an application and provide a passport. Plastic is issued to citizens who have reached the age of eighteen, some categories of cards can be obtained after reaching the age of fourteen.

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Types of plastic cards from Sberbank with a minimum price service

This credit organization is one of the largest in our country, offering customers a wide selection of debit cards. Before placing an order for a card, think about the purposes for which it is needed, evaluate your financial situation, lifestyle. The range is large, but they are all made on the basis of two main payment systems: Visa and MasterCard. A Maestro type card can only be used on the territory of the Russian Federation.

Youth card

Sberbank is the only credit institution in Russia that issues debit cards from the age of fourteen. The youth card is designed for consumers in the age group from fourteen to twenty-five years. It is personalized and has a low maintenance cost; one hundred and fifty rubles must be paid for the year. When withdrawing funds through the terminal, no commission is charged. The product is ideal for transferring scholarships and paying for purchases.

Visa Gold Card

Gold Card opens unlimited possibilities for its owners. Only clients with an ideal reputation can receive it; if desired, an account is opened in ruble or currency equivalent. The plastic has an electronic chip for contactless payment. You can withdraw money or pay by card in all countries of the world. Gold card holders have 24/7 hotline support. Reissue is free of charge. Annual service - three thousand rubles.

Name card

In the Savings Bank, you can get two types of plastic: registered and unnamed. The first displays information about the cardholder, the second does not contain information about the owner. A personalized card has a high level of protection and an increased limit on transactions. An unnamed card is received immediately on the day of application, it takes up to two weeks to make a personalized card.

Visa Classic

The main advantage of this type of card is the ability to use it both on the territory of our country and abroad. You can withdraw no more than one hundred and fifty thousand rubles from the card per day. Visa Classic is issued in three types: individual, corporate or salary. When withdrawing money at the terminals of other banks, remember that interest and commission are charged. The client has access to the bonus system Thank you from Sberbank and the opportunity to participate in promotions conducted by the payment system. For the first year of use, the maintenance fee is seven hundred and fifty rubles, then - four hundred and fifty rubles.

Key features of the card:

You can transfer salary, student benefits, make personal funds;
Currency conversion is performed automatically, the card is accepted for payment in all countries;
You can withdraw the required amount anywhere in the world;
The possibility of issuing an additional debit card;
Some clients have access to an overdraft facility (a line of credit that allows them to go into a negative balance).

When issuing a classic Visa card, you can choose any design for plastic, from emoticons to beautiful landscapes.

Conditionally free cards for individuals

Consider the entire list of available cards that can be issued and received subject to certain conditions established by the bank.

Instant card

It usually takes some time to issue a card, the waiting time depends on the type of product. Maestro is carried out in the shortest possible time, it is received on the day of application. It is not personal, and you can use such a card only on the territory of the Russian Federation. When traveling abroad, they will not be able to withdraw money from Momentum or pay off. The Maestro card is used to pay for purchases, make payments and transfers with its help. A good option for people who urgently need to open an account and get plastic.

Mastercard from Sberbank

For some plastic card holders there is no difference between Visa and MasterCard payment systems. There are differences, albeit small ones. You can apply for a MasterCard card only at the bank's offices; applications for Visy are accepted online. The main advantage of the Mastercard system is the absence of an additional fee for currency conversion. Free cards from Sberbank are issued on the day of the application.

Visa Platinum Card

The main advantage of plastic is the ability to receive big bonuses and return back to the account up to 10% of the cost of purchases. When paying bills in public catering places, cashback will be 5%, paying for purchases in stores will return 1.5%, and paying with a card at gas stations, you will get 10% back. For other transactions, the cashback is 0.5%.

The annual service is - four thousand nine hundred rubles, as part of the Sberbank Premier service package, you can get a card for free.

MIR pension card

Social free card of Sberbank for receiving a pension. Service is free, up to 3.5% per year is charged on the card balance. You no longer need to carry cash, stand in long lines to get your monthly payment, or wait for the postman to visit, being afraid to leave the house once again.

The pension is instantly credited to the plastic balance after the RF Pension Fund makes the transfer. The card is used to pay for purchases in stores, connect auto payments.

MasterCard Active age

The card is intended for receiving a pension and transferring personal funds. The balance of the account is charged 3.5% annually. The main difference from the MIR card is the ability to pay anywhere in the world. Plastic is also equipped with a contactless payment system. To receive it, it is enough to leave an application with the employees of Sberbank. In the first two months of service, no fee is charged for the Mobile Bank. The validity period is five years.

Conclusion

You can get a Sberbank card with free annual service at the bank office or by submitting an application via the Internet on the online portal in your personal account. Before you start using the card, you must go through the activation procedure, this will automatically happen twenty-four hours after receiving the plastic. You can activate it yourself through an ATM, for this you will need to enter a PIN code.

The Sberbank card is a fairly popular and well-known banking product in the Russian Federation. Few people have it now, because it is necessary for most monetary transactions: money transfers, salaries, pensions, material assistance. The percentage of the population who does not yet have such a thing in their wallet will be very interested in this article. It is about what banking products Sberbank has, about the main differences between debit cards and credit cards and other information about the terms of use, bonuses, services, and what documents are needed for registration.

What do you need to apply for a card in Sberbank?

In order to make a Sberbank card, the future user should go to the manager at any branch. Basic requirements, how to order and open a card:

age from the full 18 years (except for the "Youth" card - it can be received from the age of 14);
citizenship of the Russian Federation;
registration in the Russian Federation.

If all this is done, then you should familiarize yourself with the list of required documents:

be sure to take a passport proving your identity;
2-NDFL - on income, for pensioners - from the Pension on the amount of the pension;
in the branch of the bank, you must provide a document that confirms the solvency of the client - a work book, contract, etc.;
a document certifying labor activity: a copy from the work book, contract, certificate of registration of individual entrepreneurs, etc.

If the client is already receiving wages on a Sberbank card, there is no need to provide information on labor activity. This simple procedure takes 3 to 2 weeks. The only exceptions are personalized products and products with a unique design. But before asking about the documents, the conditions for obtaining a Sberbank card, and how to do it, you need to choose the product according to the requirements in accordance with the subsequent operation, ask how much it costs.

The range in Sberbank of Russia is very large, consider the types of new banking products:

Debit - allow you to receive funds to your account, send, forward, make non-cash payments for goods. These include the salary card of Sberbank.
Credit - have the user's personal funds, as well as the amount of bank money - a credit limit that must be repaid on time. The principle of work is like with a loan: if you take the money, you pay it back on time. Otherwise, a penalty will be charged to the card account.
Individual - in fact, this is a Sberbank debit card with an original design with a surcharge for a unique style. You can order such a Sberbank card online through the website.
Salary is also considered debit, which is ordered by employers to transfer funds to employees.

The most requested debit product of the bank is the Sberbank Maestro salary card of the MasterCard, Visa system. Employees of companies are not often interested in how to get this product. As a rule, employers issue them for their employees free of charge by signing an agreement with a bank. Each of them has its own characteristics and limitations. If the user often buys goods through the network, it will be more profitable for him to use the product of the Visa system.

In addition to the salary "Maestro" there are also 2 of its varieties:

debit card of Sberbank "Social" for citizens of the country who receive state material assistance and for pensioners;
"Student" of Sberbank of Russia for students, graduate students.
Such goods are ordered to pay for products by bank transfer, cash out at an ATM and store funds.

If the user needs banking products of a wider range of activities, and he knows how to open a card, then he should create an application for the creation and issue of MasterCard Standard or Visa Classic products. They are very convenient when traveling abroad. When paying with them, withdrawing money at any ATM that supports Visa and MasterCard payment systems of different countries abroad, it does not matter what currency the funds are in, the bank independently converts rubles into the currency that is needed. With them, you can quickly make any purchases on the Internet.

They also exist in preferred versions with the Gold mark. They differ not only in terms of use, but also in appearance. These ordered cards have a catchy look, thereby confirming the status of the owner. With this card, in many stylish stores, the client is waiting for considerable discounts for purchases of expensive goods. Having received this Sberbank card, its maintenance will cost 3,000 rubles a year, however, given all the pluses and benefits, the cost can be neglected.

For bank users who often use the services of airlines, there are Visa Aeroflot Classic and Visa Aeroflot Gold. By paying the cost of a ticket through these systems, the client receives bonuses on his account, for which it will be possible to purchase a plane ticket. And for connoisseurs of art, in particular theaters, you should apply for a Sberbank Visa Classic Golden Mask card - this product allows you to get good discounts on tickets, there is a system for accumulating bonuses and the chance to participate in promotions.

Price

Sberbank bank cards are free and paid. Absolutely free of charge, you can get a card at Sberbank Maestro Momentum. Paid in its use will be only an extract on extreme operations, the cost of 15 rubles.

"Social" is also done for free. Expiration date - 3 years from the date of registration. All transactions are free of charge.

"Student" per year will cost the student 150 rubles. Statements, as with Momentum, for 15 rubles.

You can get a Sberbank Visa Electron and Maestro card at a price of 300 rubles. per annum for maintenance. If such a card is lost for some reason, it can be suspended absolutely free of charge. All elite products, such as "", "Aeroflot", "Golden Mask", "MasterCard Standard" and others, in the year of opening - 750 rubles, then 450 rubles for the year. How much any other product of interest costs, you can ask at the bank or online.

Credit card fees:

MasterCard / Visa Gold - up to 3,000 rubles.
Visa Classic Momentum - 0 rub.
MasterCard Standard Momentum - 0 rub.
MasterCard / Visa Standard / Classic - up to 750 rubles.
Visa Gold / Classic "Give Life" - up to 3,500.

The price of personalized products depends on credit history and other factors. It is much easier to make purchases and money transfers from abroad with it. With such a card, you do not need a four-digit password, instead you need a passport proving your identity.

A Sberbank personalized card is issued in the same way as any ordinary Sberbank credit or debit card. It can be done by every citizen of the Russian Federation who has reached the age of majority. From the documents you will need a passport, income statement, application and a copy of the work book. Also, this card can be ordered via the Internet online. When designing, you just need to indicate to the manager what kind of design is needed. It can be the most varied. It will take up to two weeks to issue an individual card with an embossed owner's name. Due to the fact that it has auxiliary degrees of protection, at a cost it will cost more than ordinary ones.

Features of the design of virtual cards

In Sberbank, you can make a virtual card by phone. To do this, you need to call the call center of the bank support service. Such a card is issued if the person who wants to issue it is already a client of the bank - he has a debit card with additional connected services, such as Sberbank Online and Mobile Banking. Upon completion of the card, the manager will call the number of the virtual card, and the CVC2 code will be sent to the phone via SMS. Such a Sberbank bank card is issued for making payments. Her service is paid from a debit card - 60 rubles. in year.

Additional services for cards

Sberbank is a bank that cares about its customers, and various services are created for the convenience of using banking products. These include "Mobile Bank" - a system with which you can track your money transfers and transactions. An SMS message arrives on the phone. This is a paid service, which is best connected immediately with the issuance of a card.

There is also such a service as Sberbank Online. It is suitable for more advanced banking clients. A personal profile of the client is created on the bank's website, which displays all information about cards, accounts and other bank services. Here you can pay for cable TV, pay utility bills, deposit money into your gaming account, and more.

If a client urgently needs a Sberbank card, the fastest way is to order it via the Internet. For this, an online application is created. Thus, you can get a debit card with an individual design or a credit card. When a call comes in from a bank with approval to issue a certain banking product, it is best to prepare the necessary documents in advance and go to the bank branch already prepared. This will greatly speed up the process. Ordering Sberbank cards online is convenient, profitable - a significant time saving.

Sberbank is today a leader in the banking sector, and therefore its line of plastic products is very wide. Consider what Sberbank cards exist: types and cost of service.

First of all, all products are divided into two large subgroups: credit and debit cards of Sberbank, the types and cost of services within the categories for them naturally differ. Card types are determined according to their class and payment system. Sberbank has two of them: Master Card and Visa. Maestro, who serves the simplest cards, also belongs to the first.

Sberbank cards types and cost of service

As for the species, they differ in prestige and participation in a number of projects and are represented by both systems:

The simplest products: Momentum. Based on the name, it is clear that their advantage is the speed of registration. The initials of the holder are not marked on the plastic, and therefore it is issued directly upon contact. Have restrictions regarding use on the Internet and abroad.

Virtual: operate mainly on the Internet. Capable of connecting to all known electronic wallets.

Youth: a simplified version of the card with a minimum cost for youth from 14 and from 18 years old. Restriction up to 27 years.

Social . Designed primarily for the transfer of pension contributions. They have a high percentage for the accumulation of the balance - 3.5%.

Classic: the best option. They provide a package of opportunities similar to premium cards. Used in retail outlets and transactions through ATMs, online services.

Classic contactless: the difference is the presence of a chip that does not require the transfer of the card to other hands. All operations can be carried out by attaching plastic to the appropriate device yourself.

Gold: increase the prestige of the holder. The difference from the classical ones is the ability to use the privileges of payment systems abroad in the form of promotions and discounts from partner companies (shops, salons, hotels, restaurants, airports).

Premium: Visa Premier. Provides a larger amount of bonuses for purchases, allowing you to receive discounts when paying for tickets at airports, hotels. A high quality mobile application is used.

Give Life: Visa. Allow to show a civil position, participating in the help to sick children.

Aeroflot: Visa Classic and Gold. For spending from the card, special "miles" are awarded, which can be used to purchase tickets and upgrade the class of service.

Sberbank payroll cards

If the employer draws up Sberbank salary cards, the types and cost of services depend on the option chosen by the employee. Today it is permissible to issue Classic, Golden, Give Life and Aeroflot for this purpose.

For a card of the Classic type, it is permissible to choose your own design option. This service is paid - 500 rubles for the creation of plastic.

Credit card limits

Credit cards also have their own classification, while the amount of possible borrowed funds differs, but not additional privileges similar to debit ones:

Momentum: up to 120 thousand rubles;
Classic: up to 600 thousand rubles;
Gold: up to 600 thousand rubles;
Youth: from 15 thousand rubles;
Give life visa, Aeroflot: up to 600 thousand rubles.

The criterion is assigned by employees at the time of registration. That is, each client is assigned its own limit. If the return of borrowed resources is made within 50 days, no interest will be charged.

The largest bank in Russia, Sberbank, has developed several types of cards for its customers, allowing you to choose the optimal set of functions.

What are the differences and features of these bank cards, read in our article.

Diversity

One of the global differences is that each card belongs to a specific payment system - MasterCard or Visa, but there are also other differences.

Also, the cards of each system are divided according to the type of account into:

Debit: it is suitable if the owner is accustomed to relying only on his wallet and would only like to store money on the card, without taking a loan from the bank, he can issue a debit card. Such a card allows you to store money in the account, spend it, receive and transfer it.
Credit: having a certain limit, it allows you to spend more money than is in the account, but the entire amount will have to be repaid. Each card has its own cash limit, repayment period and interest rate. It is impossible to transfer money from it to other cards, and you will have to pay a percentage for withdrawing even at a Sberbank ATM.

Sberbank also offers several types of programs for each group. All the types described below exist both in the credit version and in the debit version, their main difference is the presence of a certain credit amount in the account, which can be used if necessary.

: its advantages include the ability to receive it immediately on the day of application. It is not personalized, cannot be used as a credit card, and must be replaced in a year. A passport and an application are enough for registration, and the receipt itself will take no more than half an hour.
Classic: the most requested card among customers. It has all the basic functions: it allows you to receive and make transfers, withdraw cash and pay for purchases online. The daily limit for withdrawing money is limited to 150 thousand rubles, the annual service is 750 rubles.
: this is a more prestigious card that allows you to have a ruble or foreign currency account, as well as enjoy discounts and benefits when paying for goods and services of Sberbank partners. Annual maintenance is 3 thousand rubles. The option is suitable for travelers and people shopping in Russia and abroad.
Platinum: the most respectable card of all, for the maintenance of which you will have to pay 10 thousand rubles a year. It has the same set of functions as the Golden one, but in addition, each card has its own individual manager, whose duties include personal consultation of the owner.

Maestro and Electron: these are the “cheapest” cards, the maintenance of which will cost the owners 60-300 rubles a year. The daily limit for withdrawing money is 50 thousand rubles, for exceeding which you will have to pay Sberbank 0.5% of the amount. how it differs from the classical one.
Youth: only young people under 25 can get it. The main advantage is the low cost of maintenance - 150 rubles per year. It has a standard set of features.
: to receive a card, you must provide a document confirming the receipt of a pension. Its feature is the zero cost of maintenance and the accrual of interest on the balance of funds. This helps to slightly increase the amount.

Special programs

The cards below are available in both Classic and Gold versions.

In addition to the main functions, each program has some features:

Visa "Give Life": a charitable program aimed at helping sick children. From each transfer of funds or payment for goods, 0.3% is transferred to the fund.
Visa "Aeroflot": suitable for those who would like to save on air travel. For every 50 rubles spent on goods, 1 or 1.5 miles are credited to the owner's account, which can then be exchanged for a free ticket or a discount.
MasterCard "MTS": exists only for one payment system. Like the Aeroflot program, when buying any product and paying for it with a card, the owner receives certain points that can be exchanged for paying for cellular communications. For every 30 rubles - 1 point.

Please note: each special Sberbank card is supported only by a certain payment system.

Sberbank offers a wide range of plastic cards and programs for them, among which everyone can find the best one.

For example, if the cardholder is used to long telephone conversations, he can choose cards with the MTS program, and if he would like to help children, he should pay attention to the Give Life program.

However, the Aeroflot program remains the most popular for 2016 - thanks to it, many owners were able to significantly reduce the cost of air travel.

Watch the video in which the specialist explains the features of using various types of Sberbank cards: