Sberbank credit and debit cards are popular with users who want to get the maximum benefit and convenience of cashless payments. Sberbank presents several types of cards that you can choose depending on the frequency and purpose of use.
Sberbank debit cards (cards on which your personal funds are stored) are presented in several versions. The most popular are classic cards Visa and MasterCard. Such cards are issued free of charge with only one document - the bearer's passport. Classic cards are valid for 3 years. And the annual service is 750 rubles for the first year, and 450 for subsequent years. You can replenish and withdraw cash through a Sberbank ATM without interest. You can withdraw no more than 300 thousand rubles per day, and transfer no more than 500 thousand rubles by bank transfer. Visa and MasterCard work under the "Thank you from Sberbank" program.
For special categories of citizens, Sberbank has issued special debit cards. The "youth" card is issued to persons from 14 to 25 years old and has a preferential annual service - only 150 rubles a year. It is very convenient to use the card to pay in stores that are partners of the Thanks from Sberbank program, because in this case, up to 10% of bonus rubles are returned to the card.
Pensioners can use the special Mir pension card, on which it is convenient to receive a pension. Moreover, the annual service of the card is completely free. And you can use it in the same way as other classic cards - make purchases in a store and transfer money by bank transfer. True, such a card is valid only on the territory of the Russian Federation.
Do you make a lot of purchases by bank transfer? It makes sense to try the convenience of a Gold or Platinum card. The "Gold" card gives you the opportunity to receive more bonuses from your purchases. But it is better to start it for those who spend by bank transfer on average at least 50 thousand rubles on shops, cafes, restaurants, taxis and gas stations. Then not only the cost of servicing the "Gold" card (125 rubles per month) will pay off, but also a lot of bonuses will accumulate that can be spent with the program partners. "Platinum" card of Sberbank is not only status, but also convenience: increased bonuses from "Thank you from Sberbank", large amounts for withdrawals and transfers by bank transfer, individual service. And the cost of the annual service is 5 thousand rubles.
There are also premium cards in the credit sector. On such cards, the credit limit can reach 3 million rubles at 21.9% interest per year. At the same time, the grace period is as much as 50 days.
Visa Classic and MasterCard Standard credit cards have a credit limit according to a personal offer for each individual client. The amount depends on the availability of additional accounts and deposits of the client in Sberbank, on his credit history, on statements of current transactions. Moreover, the annual service for a classic credit card is free.
