Premium gold debit and credit cards Gold are issued by Sberbank under two payment systems - Visa Gold and MasterCard Gold. Gold cards are presented as image cards for business people with a high level of income and a positive credit history. Most often they are produced in gold color.
Types of gold cards from Sberbank and their advantages
In terms of technical characteristics, Visa Gold and MasterCard Gold cards are no different from classic cards - Classic and Standart. With their help, you can pay for goods and services in stores and on the Internet, as well as withdraw cash. However, they involve advanced features and additional services. Their basic list is standard for each payment system. However, most banks supplement the list of privileges with their own services and special offers.
The annual cost of servicing cards in Sberbank Visa Gold or MasterCard Gold is 3000 rubles.
The basic set of additional services for Visa Gold includes services in case of an emergency (the cardholder has the opportunity to instantly receive monetary compensation), medical and legal support in difficult situations, as well as round-the-clock assistance of the concierge service.
The minimum set of services for MasterCard Gold includes round-the-clock support, an insurance program, special offers for business owners, and participation in the Priceless Moscow program. The latter allows, for example, to go to a closed screening or look behind the scenes of theatrical performances.
The main benefit of owning such cards can be appreciated by those who travel a lot. Premium cards provide opportunities for obtaining special insurance programs for trips abroad, the coverage of which reaches 50 thousand dollars.
The cards give additional advantages to those who like to make purchases using non-cash payments. Discounts and special offers are available to them both in Russia and abroad. The partner network includes thousands of retail outlets, restaurants, hotels, theaters and cinema, as well as other services around the world. A complete list of them can be found on the websites Visa Premium (www.visapremium.ru) and MasterCard Worldwide (www.priceless.com).
It should be noted that for premium credit cards of the Gold category, in contrast to cards of a lower segment, as a rule, an increased credit limit is set, and the interest rate is reduced. Since the owners of annual cards are perceived by the bank as more reliable borrowers.
All Sberbank services are available to holders of premium cards - Mobile Bank services, Sberbank Online, auto payment. They can be connected when registering a card. The cards are also members of the Thank You from Sberbank bonus program.
How to get a premium card from Sberbank
A Gold card can be issued in rubles, as well as in dollars and euros at any branch of Sberbank. To receive a debit card, the borrower needs to write an application for the card issue. It can be issued by all Russians who have reached the age of 18. Only a passport is required from the documents. After two weeks, you can pick up the card at the bank.
When applying for a credit card, in addition to a passport, documents will be required to confirm the borrower's income, as well as his work activity (if the applicant is not a salary client). Based on this, the bank will decide on the maximum amount of the credit limit and interest rate.
The credit limit for Gold premium cards is up to 600 thousand rubles. The interest rate is 17.9% - 23% per year. Card service is free of charge within the personal offer of the bank.
The age restrictions for issuing a credit card are somewhat different from a debit card; it is available to citizens aged 21 to 51 years.
Also, a preliminary application for the issue of a card can be issued online without leaving home. This option is available on the bank's website.
