Sberbank is the leader among financial and credit organizations in the Russian Federation. The main goal and task of the bank is to take care of its customers. The bank, taking into account the interests, as well as the financial situation of its customers, goes forward and offers a certain number of plastic cards. One of these is Visa Gold.
Sberbank Gold Card Visa Gold
Cards for VIP clients
Visa Gold from Sberbank is a card confirming the status of a privileged client. Today, Sberbank of the Russian Federation, under the Visa payment system with Gold priority, issues 2 types of cards (for participants in a credit project, debit), as well as two co-branded cards: Visa Gold “Give Life” and Visa Gold “Aeroflot”. Each card has certain additional advantages relative to its "compatriots", which only emphasize the status of a consumer of Sberbank of the Russian Federation.
A table reflecting the general terms of service for Visa Gold credit and debit cards.
Credit card benefits:
- Credit limit. For Visa Gold card users, the credit threshold can reach 600,000 rubles.
- The interest rate varies from 25.9% to 33.9%. The rate of 25.9% is determined as part of an individual offer from Sberbank of the Russian Federation.
- Convenient use of the card outside the Russian Federation due to different payment currencies.
- Life insurance valid in any country.
- Discounts, bonuses from the Visa payment system, valid in 33 countries of the world.
- If you lose your PIN code or card in another country, you can contact a branch of the bank, where you can instantly get a card that operates on similar conditions. Or contact the Embassy of the Russian Federation, where they will provide financial assistance.
- For the holder of a gold card, all services provided by the bank through remote access are valid: Sberbank Online, Mobile Bank, as well as an application for mobile devices.
- Commission for cash withdrawal in Sberbank - 3%, in other banks - 4%.
- One-time cash withdrawal up to 300,000 rubles. (through the cash desk of the bank branch).
- Service through the contact center is carried out around the clock.
The benefits of a Visa Gold debit card are similar to those of a credit card, except for the credit limit and interest rate.
Security
Sberbank of Russia also takes care of protecting the financial condition of its clients. For the Visa Gold card, the following protection methods:
- Magnetic stripe with Visa CVV security code.
- Electronic chip.
- When paying for services or making purchases through Internet pages, 2 codes are used: CVV2 and VbV. If the first code is on the card, then Verified by Visa will only be sent to your mobile phone. Such a code is in the nature of a one-time.
Conditions for obtaining a Visa Gold card
To get a debit card necessary:
- Have a permanent residence permit in the territory served by a branch of Sberbank of the Russian Federation.
- Age over 18 years. When issuing an additional card for a child over 7 years old, the presence of a legal representative is required.
- Citizenship of the Russian Federation. If a client wishing to issue a gold card is a non-resident of the country at the location of the bank branch, then the possibility of issuing such a card is decided on a strictly individual basis.
For getting a credit card must meet the following requirements:
- Citizenship of the Russian Federation.
- The age of the client must be at least 21 years old and up to 65 years old inclusive.
- Permanent registration of the Russian Federation.
- Work experience: total - at least 1 year for the last 5 years, 6 months. at your last job.
Preferential conditions to obtain a Visa Gold credit card:
- A salary client of Sberbank of the Russian Federation, including the receipt of a pension.
- There is a deposit in the branch of Sberbank.
- Using a bank debit card.
- There is a consumer loan issued through Sberbank of the Russian Federation.
The list of documents required to obtain a Visa Gold debit or credit card can be found at the nearest branch of Sberbank of Russia.
Combined branded gold cards of Sberbank of the Russian Federation
Sberbank of Russia implements charitable programs
A co-branded card is a card issued in close cooperation between a bank and a partner company. Sberbank issues 2 types of Visa Gold co-branded cards: Aeroflot and Podari Zhizn. Both cards can be either debit or credit.
Gold card "Give Life". This card is issued in cooperation with the Gift of Life Charitable Foundation (a foundation that provides assistance in the treatment of seriously ill children). When using the card, half of the cost of the first year of service is transferred to the fund, and with each purchase made by this card, 0.3% of the amount is transferred. The cost of annual maintenance is 3500 rubles. For the Podari Zhizn credit card, the same terms of service and privileges apply as for the Visa Gold credit card.
Aeroflot card
For the owner of this card, there is an advantage in the form of a bonus - miles. Such a “gift” was developed by the Sky Team and Aeroloflot alliances (partners of Sberbank of the Russian Federation). The essence of the loyalty program: for every 30 rubles spent, 1.5 miles are credited, which can then be spent on:
- Purchase of a ticket (excluding additional fees and taxes).
- On the quality of service (upgrade from economy to business class).
- Purchase of additional services and services of airlines - partners of Sberbank. The list of these services must be clarified with the air carrier.
Separately, I would like to note that when applying for an Aeroflot gold card, the user is automatically credited with 1,000 miles as a gift.
Where can I use the Aeroflot card
Aeroflot card from Sberbank of the Russian Federation
Using the Aeroflot Gold Card, you can make settlement transactions in all stores where cards are accepted by the VISA payment system, as well as pay for services or purchase goods in online stores. For users of this card, all the privileges inherent in the Visa Gold card and the affiliate program from VISA apply.
The cost of annual maintenance of the card is 3500 rubles. The terms of receipt and tariffs applicable for this card are similar to the Visa Gold card.
Miles accumulated over 2 years of card service will automatically expire. However, the system allows you to transfer them to another participant in this bonus program.
Bonuses from VISA payment system
Becoming the owner of a Visa Gold card, the payment system gives additional privileges:
- Concierge service. This service will allow you to organize a trip: indicate flights, choose a hotel, book not only air tickets, but also hotel rooms. It will also tell you the location of the restaurant, shop. Add. services: flower delivery, ordering tickets for a concert or theater.
- Medical and legal services in other countries.
- Discount from VISA partners: shops, spas, hairdressers and much more.
Video: what to do if a Sberbank gold card was hacked
As can be seen from all of the above, the Visa Gold card has more pluses than minuses. The disadvantages of the card include only expensive service. In general, a gold card from Sberbank is a unique opportunity to get the most opportunities for a comfortable vacation. A golden card will emphasize your status, which will allow you to feel confident in this life.