Most customers get lost in choosing the best option that meets all the requirements. In this article, we will look at what Sberbank cards are, their types, features, and everyone will be able to determine which Sberbank card is best suited.

The main categories of cards issued by Sberbank

Each card of Sberbank has its own task, based on which the client can choose the product of interest. So Sberbank offers to its customers or, which, in addition to performing the basic functions, will accrue interest in the form. For those clients who are interested in bonus programs, Sberbank has issued an additional series of plastic cards, which include and. If in the first case, for each purchase made with the card, the client will receive up to 20% money back in the form, as well as discounts in, etc., then using the second card, the client will accumulate bonus miles, with a sufficient number of which they can be use as payment for the services of Aeroflot.

Benefits of a debit card:

• Pay for goods in shopping centers and stores;
• Pay for services and goods online;
• Receive and spend bonuses;
• Save and keep money.

• Absence ;
• You can use credit money at any time an unlimited number of times.

Important! The borrowed money must be returned to, in order to avoid interest charges. Also, by credit card, you need to make a monthly mandatory payment of 5% of the amount owed + accrued interest. This payment must be made even if the grace period is in effect.

Having figured out what Sberbank cards are, you can proceed to familiarize yourself with additional conditions and opportunities. The validity of these cards can be based on both personal privileges and general conditions.

Classic card of Sberbank

• The ability to choose the currency we need - dollar, euro, ruble;
• Long term of validity - 3 years;
• Providing a card in the first year costs 750 rubles, subsequent years - 450 rubles;
• Possibility of payroll;
• The ability to receive and use additional cards;
• Chip protection of the card;
• The ability to use and;
• Connection of a security system for online payments 3D-Secure;
• Ability to replenish, transfer and conduct other banking operations through self-service terminals and ATMs, including those located outside the country;
• Connection.

If during his stay abroad the card is lost, the client can withdraw money urgently, or make a link to one of the electronic payment systems (YandexMoney, etc.).

There is a similar package of services in the category of credit cards. The following conditions are established for them:

• A credit limit is established in the amount of 300,000 to 600,000 rubles;
• Grace period for repayment - 50 days;
• Loan interest - from 23.9% to 27.9% per year;
• Service of the card can be both free and paid - 750 rubles (in the case of a higher limit).

The main types of debit cards of Sberbank

• ... It is issued within 10 minutes and does not have personal data tied to. Such a card is designed to provide a minimum number of services. Designed to pay for purchases, and replenish the account. There is no service fee;
  

  

• ... Allows you to use additional privileges and discounts in any country in the world. The card is provided with a high degree of protection and personalized service. The cost is 3,000 rubles per year;
  

  

• ... Has increased, and also returns up to 10% of the amount spent in the form of bonuses "Thank you" to the card. Maintenance costs 4900 rubles per year;
  

  

• . Part of the money from the funds spent is transferred to charitable foundations; The service ranges from 1,000 to 15,000 rubles per year, depending on the type of card.
  

  

• This card allows you to accumulate miles - a special category of bonuses for which you can pay for air travel services, as well as improving the class of service in Aeroflot and its partners. The service ranges from 900 to 12,000 rubles, depending on the card.

  

• . This card has all the characteristics of a classic card, but with a choice of individual designs. Card pre-order is carried out only Online through the official website or Sberbank Online. The client can choose a ready-made layout or offer his own, having passed the verification procedure.

  

• Such a card credits “Thank you” bonuses, and also has a low cost of service, reaching 150 rubles per year. Suitable for transfers, payments and scholarships.
  

  

• This card has all of the above characteristics of the "Youth Card", but with the ability to choose an individual design. The cost of this service is 500 rubles.
  

  

• A feature of the card is the absence of a physical medium. The card is issued through Sberbank Online does not charge service fees and is intended to pay for purchases using a mobile gadget.
  

  

• ... Suitable for retirees, provides free service and a premium charge on the residual balance in the amount of 3.5% per annum.

  

Types of credit cards of Sberbank

After a month of using a credit card, a detailed report on the state of the account and debt is received. If the required amount is deposited within 20 days of the current month, no interest will be charged for use.

To order a Sberbank credit card, you need to provide the following documents:

• Identity card (passport);
• A formal certificate from the place of work confirming the solvency (it must indicate the reporting for six months);
• Document confirming payments to the Pension Fund;
• Employment history;
• Labor contract;
• A document explaining the type of activity (license, etc.);
• Certificate of individual entrepreneurship (on demand).

There are also a number of requirements for the borrower himself. The total length of service must be at least 12 months over the past 5 years, as well as at least 6 months at the current place of work.

What to look for when choosing a card

To maximally protect your card from fraudsters, Sberbank offers to use. An insurance policy can be issued at a bank branch or simply online. The procedure takes a few minutes. This protection is valid for 12 months. However, it should be noted that the insurance period officially takes effect two weeks from the date of payment of the insurance.

Deciding to become the owner of the card, you can get confused in the proposed "plastic" assortment. It is important to understand which options are required and which ones can be dispensed with. Therefore, before registration, you need to understand what types of Sberbank cards exist, what are their differences, pros and cons.

Credit card and debit - features and differences

When issuing a debit card, the client must understand that he will not be able to use more funds than is actually on the account.

"Debit cards" provide opportunities:

• pay for purchases in stores;
• make payments over the Internet;
• keep your own money;
• save and spend bonuses from purchases.

For owners of credit cards, the bank provides an opportunity to “go into the red” - to use the limit of borrowed funds. At the same time, the client can use the provided money free of charge - upon returning the amount spent non-cash during the grace period. Otherwise, there will be a percentage on the amount used in proportion to the term of the "loan".

It is with these differences that the design features are associated. "Plastic" without providing a limit can be obtained by anyone who applies, and for issuing a credit card, an individual permission from a bank is required (even if the necessary requirements of a credit institution are met). Detailed information can be found in this thread.

Varieties of debit cards at Sberbank

The "debits" differ among themselves:

• by the time of receipt (some are issued at the time of contact, the manufacture of the rest can take up to 2 weeks);
• service price (from commission-free to cards for 30,000 rubles / year);
• account currency (rubles, US dollars, euros).

For customers with a need for a debit card, Sberbank offers the following options:

• classic;
• gold;
• for premium clients;
• platinum;
• social;
• for young people;
• additional per child;
• virtual;
• with personal design;

Classic and premium debit cards

This type of Sberbank cards has a basic set of features:

• receiving in addition to the main additional card;
• use abroad;
• obtaining privileges and participating in partner promotions of Sberbank;
• use of the card as a salary card.

The cost of use is 750 rubles per year, the validity period is 36 months. Classic cards are issued by Visa or Master Card payment systems at the client's choice in any available currency.

For those who value additional opportunities, Sberbank is ready to offer one of 3 sets of services with increased privileges.

Within the framework of the listed types of plastic cards, the client can choose one of the partner programs:

1. Aeroflot - accumulation of bonus miles from purchases.
2. "Give Life" - part of the funds spent by the client goes to help children with serious illnesses.

Social, youth and additional children's cards

Among the offered bank cards there are both pension and youth cards.

Classification of Sberbank social cards into types:

1. Maestro is the simplest, it works for 3 years.
2. MIR - is similar to Maestro, differs only in the payment system.
3. Master Card - an extended set of services (payment on the Internet and abroad, the possibility of contactless transactions, the issue of additional cards is allowed), valid for 5 years.

Feature of pension cards:

• discussed free of charge;
• accrual of up to 3.5% on the card balance;
• preferential mobile service (the first 60 days are free, then 30 rubles per month).

Sberbank has preferential conditions for young people:

• the design is available for clients under the age of 25;
• monthly service cost - 12.5 rubles (debited at a time per year);
• the possibility of contactless payment;
• accumulation and subsequent spending of bonuses from purchases;
• the ability to choose a card design.

The bank provides an opportunity for parents to issue a card for a child (subject to the age of 7). Registration takes place through an additional card - the child's "plastic" will be tied to the parent's account.

Some of the features of these additional cards:

The parent who owns the account sets a spending limit;
all notifications about transactions are sent to the main card holder;
the cost of additional "plastic" depends on the tariffs of the main one.

Virtual, instant and personalized cards

If only the ability to pay on the Internet is important, there are virtual cards. They have no physical counterpart, the cost is minimal - 60 rubles per year.

Momentum cards (Visa or Master Card) are issued if you need to receive the service immediately upon contact. "Plastic" is serviced free of charge, validity period - 36 months. However, there are restrictions on the use:

• no additional cards can be issued;
• there is no way to make "plastic" payroll;
• withdrawals from third-party ATMs are not allowed.

For connoisseurs of a special approach, Sberbank offers "plastic" with a personal design, issued on the basis of the classic. The service costs 500 rubles (in addition to the price).

Sberbank credit cards

To issue a credit card with a limit, you must meet the requirements of Sberbank:

• age from 21 to 65 years;
• Russian citizenship;
• permanent registration on the territory of the Russian Federation.

Depending on the type of credit card of Sberbank of Russia, certain documents will be required:

• passport;
• certificate on the structure of income (in the form of a bank or 2-NDFL);
• employment contract (book) or other confirmation of the type of employment;
• certificate of the amount of pension;
• IP registration certificate.

If the bank itself offers the client to issue "plastic", then the terms of provision will be considered individually.

Types of Sberbank credit cards:

• bonus;
• standard;
• instant.

Standard and premium credit cards

Terms of service for classic credit cards:

• service price - from free to cards for 900 rubles per year;
• the allowable limit is up to 600 thousand rubles;
• usage rate - from 25.9% to 33.9%;

For premium customers, the Gold categories are available, as well as Visa Signature and MasterCard Black Edition. They are issued under the following conditions:

• service price - from free to cards for 12,000 rubles per year;
• possible limit - from 600 thousand to 3 million rubles;
• usage rate - from 21.9% to 33.9%;
• it is possible not to pay interest for up to 50 days.

And Gold can be issued under the Give Life program; registration jointly with Aeroflot is available for Visa Classic, Gold and Signature.

Youth and instant credit cards

Card credit programs for youth are issued on the following conditions:

• age category - from 21 to 30 years old;
• service price - 750 rubles per year;
• rate for using the limit - 33.9%;
• it is possible not to pay interest for up to 50 days;
• the provided limit is up to 200 thousand rubles;
• income must be documented.

At the initiative of the bank are available for receipt

Sberbank is one of the most popular banks in Russia. Today, many Russian citizens have cards of this credit institution. But the variety of debit cards on offer here leads to the fact that many do not know which card product to choose.

Advantages and disadvantages of Sberbank debit cards

Before understanding the conditions of various Sberbank debit cards, it is important to study their general advantages and disadvantages. Among the advantages of this product, the following are usually distinguished:

1. Simple and fast registration. To open a debit card, you just need to contact a Sberbank branch with a passport. An important condition is the presence of permanent or temporary registration.
2. Ease of use, the ability to set up automatic transfer of utility bills and a mobile phone.
3. Debit bank cards help keep funds safe while traveling and when traveling to other cities. Today you can withdraw money in almost any city in the world. If during the trip they run out, the card can quickly and easily be replenished by relatives or friends.
4. Possibility to use a debit card account for salary and pension payments.
5. Most of the cards offered by Sberbank allow you to make payments on the Internet.
6. Availability of the bonus program Thank you. In the case of payments for goods and services with a card, special points are credited to it, which can later be spent on purchases.
7. There are debit cards, on the balance on which income is accrued in the form of interest.

Despite the significant number of advantages, a number of disadvantages of the considered banking product can also be distinguished:

1. Not all small retail outlets are equipped with terminals; for purchases in such places, you will have to first withdraw cash from the card at an ATM.
2. Most card products have a paid service.
3. If you withdraw money from an ATM of another bank, there will be a commission. But for Sberbank, this minus is not very relevant, because a huge number of its ATMs are installed throughout the country, including in small settlements.
4. There is a limitation on withdrawals. You can rent no more per day than is established by the contract.
5. Despite the fact that money on debit cards is more secure than cash, they are often subject to hacker and fraudulent attacks.

In fact, most of the shortcomings can be easily overcome if you know about them.

Types, tariffs and conditions of service for debit cards

To understand which debit card to choose from Sberbank, it is important to carefully study all existing offers. Most of them can be opened in rubles, dollars or euros. However, those who need a currency debit card should know: Gift of Life and MIR cards can only be opened in rubles.

Instant cards are international debit cards with free service. It will take a little time to get them. It is enough to go to the Sberbank branch with a passport, sign an agreement and pick up your card in 10 minutes.

The card is available from the age of 14. An important condition is the presence of a permanent or temporary registration. The card is not personalized. Its validity period is three years. It should be borne in mind that it is impossible to tie any additional momentum to Sberbank. For non-cash payments, Sberbank calculates the so-called bonuses, which are called Thank you.

The most popular are traditionally classic cards. They offer the best combination of cost and quality. The main conditions of Sberbank for classic cards are as follows:

1. The validity period for a Visa, as well as a Mastercard, is three years, for MIR cards - five years.
2. The service fee for the first 12 months is 750 rubles, then you will have to pay 450 rubles annually.
3. The limit of a debit card for wire transfers is 500 thousand rubles within 24 hours, for receiving cash - 300 thousand.

Cards of this type allow you to carry out calculations with just one touch to the terminal.

Gold debit cards

Gold cards demonstrate the high status of their holders. They provide an expanded range of services combined with benefits. Annual maintenance of gold cards costs 3,000 rubles. Now there is a promotion for Sberbank gold cards - the first year with a 50% discount, that is, the service will cost only 1,500 rubles in the first year.

The age limit for Gold cards has been increased - they can be obtained no earlier than eighteen years old. However, the owner of the main card can order an additional card for children from the age of seven.

Give life classic debit card

The Gift of Life card allows you to help seriously ill children. Sberbank transfers money to a charitable foundation in the amount of a small part of the amount spent by the owner of such a card on purchases. Moreover, the bank transfers to the donation half of the amount spent by the client in payment for the first 12 months of service. According to the tariffs, the owner pays 1,000 rubles for this period. Subsequently, maintenance will cost 450 rubles for every 12 months.

Such cards participate in the Thank You bonus program. At the same time, reaching the size of all purchases of 15 thousand rubles in the current month allows you to count on an increased bonus in the next.

Sberbank offers pensioners a profitable product - a free debit card. An application for the transfer of pension payments to the card can be filled out directly at the bank branch. To do this, you will need a certificate from SNILS.

Among the benefits of the product in question are the following:

• comfortable receiving a pension regardless of the post office's working hours and without queues;
• accrual of income on the balance of funds on the card at a rate of 3.5% per annum;
• mobile bank on preferential terms - three months service is free, then thirty rubles.

Best VISA debit card with bonuses

The best debit card of Sberbank is Visa Platinum. It is enough to issue it to get a number of advantages:

• highest status card;
• Thank you bonuses up to twenty percent;
• additional discounts from Visa - 20% for a business class taxi, for rental of transport, and packing of luggage.

Servicing a Sberbank debit card of the type in question will cost 409 rubles per month. At the same time, the employees of the credit institution claim that for monthly settlements in the amount of more than fifteen thousand rubles, the amount of bonuses will exceed the service commission.

VISA card with individual design

For those who strive to be different from others in everything, Sberbank offers to order a card that will be made according to an individual design. Instead of the traditional drawing, any image chosen by the client is applied to it. You can issue it directly via the Internet. At the same time, the future owner is offered three types of images to choose from:

1. photos from the client's computer;
2. photos from social networks;
3. image from the Sberbank gallery.

Service will cost 750 rubles for the first 12 months and 450 for the following. You will have to pay extra 500 rubles for an individual design.

Sberbank has developed favorable conditions especially for young people (from 14 to 35 years old). It is enough to issue a youth card to receive bonuses up to 10% of the purchase amount. Subsequently, these bonuses can be used as a check discount. The only condition is that its size cannot exceed 99% of the total amount presented for payment.

The cost of servicing youth cards is one of the lowest - only 150 rubles for 12 months. This type of card supports contactless payment. Moreover, today it is not necessary to always carry a card with you. Any payments can be made from the phone.

Salary debit card

Within the framework of the salary project, upon concluding an agreement between the bank and the organization, the employees of the latter have the right to receive a salary debit card. In this case, the bank provides clients with the most favorable conditions. Most payroll cards are issued free of charge, that is, they are cards with no annual service.

Additionally, holders of salary cards receive a number of benefits:

1. more favorable lending terms;
2. the ability to quickly withdraw funds anywhere;
3. comfort of managing funds via a mobile phone or the Internet.

Review: is it worth getting a Sberbank debit card?

Should I apply for a debit card at Sberbank? This question arises for everyone who chooses a credit institution. For many, the choice falls on Sberbank as the most popular bank in Russia. Feedback from the owners makes it possible to understand that the main advantage of this credit institution is a huge branch network, as well as the prevalence of ATMs.

However, the ease of use should not always make the choice of the client in favor of the bank. Do not forget about the benefits of cards. Sberbank offers a huge variety of programs with quite acceptable tariffs.

At the same time, the terms of the Thank you bonuses are not the most favorable. First, too little part of the purchase is returned under the program. Secondly, virtual bonuses are credited. Of course, they can be used in future calculations. But not all sellers participate in the program. At the same time, many other banks offer real money back. It is on this principle that debit cards with cashback offered by various credit organizations work. For example, Tinkoff Bank has such a product.

It is important to carefully study the pros and cons, as well as all types of debit cards from Sberbank and other credit organizations. Only in this case can you be sure of the correctness of your choice.

What is a debit card and how is a debit card different from a credit card?

A debit card provides access to a personal current account without a credit limit. The inability to “go into the red” is the main difference from a credit card. Ordinary plastic cards are issued to transfer wages, pensions, receive compensation and preserve their own savings. It is convenient to pay with a small "plastic wallet" in stores, while receiving pleasant bonuses - "Thank you" points and discounts from Sberbank partners.

How do I choose a debit card?

Sberbank has a really huge selection of debit cards for all categories of customers - from children to pensioners. To find out which card is right for you, let's take a look at the entire product line.

Types of Sberbank debit cards:

• Instant cards;
• Classic;
• Electronic;
• Virtual;
• Premium;
• Gold;
• Platinum;
• Partnership: Aeroflot and Present Life.

Instant cards(nameless, NoName) - convenient for instant access to banking services. For example, when you want to make a purchase via the Internet, but are worried about the safety of your savings on your main card. By issuing such a card as an additional one, you do not lose anything, because its service is free. Any citizen of Russia from the age of 14 can get it - with a passport.

Classic cards Visa or MasterCard are usually issued within the framework of salary projects, where the cost of service is 750 rubles / the first year and 450 rubles / subsequent years are borne by the employer. The account of the classic card can be controlled remotely - from a mobile phone or via the Internet. It is possible to issue an additional card for a child from 7 years old. This type of card will be beneficial for traveling abroad - in one of the 9 subsidiary banks of Sberbank you can withdraw cash on the same conditions as in Russia:

• Sberbank BH
• Sberbank a.d. Banja luka
• Sberbank Srbija
• Sberbank Slovensko
• Sberbank banka
• Sberbank d.d.
• Sberbank CZ
• Magyarorszagi Volksbank Zrt.
• VS Bank

Electronic mapsare profitable with a minimum commission for an annual service - 300 rubles with almost standard functionality, although Sberbank itself refers them to the initial level. An additional electronic card can also be issued, and it is suitable for payments abroad.

Virtual cards are intended for purchases on the Internet and have a low cost of service - 60 rubles. You will not be able to touch such a card with your hands, but you will never lose it, because all that is available to you is 16 digits, the CVC code and the expiration date. It is convenient to link it to your e-wallet.

Premium cards are intended to serve clients within the Sberbank Premier package. They are suitable for businessmen who make frequent flights and have impressive amounts on the balance. Savings on the card are insured, however, as well as yourself. The cost of monthly maintenance within the Sberbank Premier tariff is 2500 rubles, and if the balance at the end of the month is not less than 2.5 million rubles, it is free. Moreover, you can withdraw from such a card no more than 500,000 per month (and no more than 50,000 per day). And if you accidentally go negative, be prepared to reimburse expenses with a “fine” of 40% per annum.

In all other respects, the premium card is convenient - there is a contactless payment system, a personal concierge who, upon a call, will book a hotel room for you or issue a plane ticket, life and interest insurance when traveling abroad for 100,000 USD, use of airport business lounges and coverage 2,000 USD for each card (up to 5 cards can be issued within one package).

Gold Cards- These are preferred Visa or MasterCard cards. The annual service cost is 3000 rubles, and it can be issued within the framework of salary projects. Most often, gold cards are issued to emphasize their status, and at the same time to secure large savings. Also, holders of privileged cards become members of the system of discounts and privileges from Visa and MasterCardWorldWide payment systems.

Platinum Cards- cards of the highest class with all possible premium services in Russia and abroad. Even if the holder of a platinum card loses it somewhere abroad, a personal manager will quickly find the nearest Bank and arrange cash withdrawal. The cost of the pleasure of owning such a card is 10,000 per year.

The cardholder receives purchase protection and an extended warranty, legal and medical support anywhere in the world, personalized service and the envious glances of standard cardholders.

Affiliate Cards: Sberbank is currently issuing Gift of Life cards - where every 0.3% of your purchases go to help children and Aeroflot, where for every 50 rubles you get 1 mile. Servicing of these cards is 1000/900 rubles, respectively, they can be issued for salary projects

How to get a Sberbank debit card?

If you have already decided on the type of card, it remains only to apply with a passport to the nearest branch of Sberbank. You can get an instant issue card and a virtual one today, and the rest will have to wait up to 2 weeks.

Most people prefer to use cashless payments, so a debit card from Sberbank without annual service is in demand among the bank's clients.

Cards may differ in tariff, payment system and other parameters, so you need to study each of them and make your choice.

How to choose a debit card

Getting yourself a Sberbank debit card is much more convenient than keeping cash. In addition, keeping finances on a plastic card is much safer than in a wallet.

Sberbank attracts people with its reliability and convenience in choosing banking products. Each client can apply for a free card.

Sberbank provides various tariffs for cards, it is difficult to make a choice from which. Therefore, a bank client should understand their varieties.

The main types of cards from Sberbank are:

1. Pension card - from the FIU, which regularly receives pension receipts;
2. Credit cards - for payments in the Internet and ordinary stores, the bank sets a credit limit for the amount that can be used for payment;
3. Debit cards - also for various purchases and storage of funds, but there is no credit limit for them, or, more simply, you cannot go into the red here;
4. Virtual cards - are used only for payment on the Internet, and they do not have a physical medium.

There are three payment systems that serve bank cards: the previously known Mastercard and Visa, as well as Mir.

The system called "Mir" was developed immediately after the introduction of sanctions by the European Union against the Russian Federation, so that banking operations were safe and not dependent on unpredictable situations in the Russian Federation.

"Debit" card - what is it?

Debit cards are those cards on which you can store and use money and at the same time no credit limit ... As a subspecies of a debit card can be distinguished salary - they receive transfers from the employer.

Debit card purpose:

• for the accumulation of personal funds, as well as their storage (if necessary, they can be withdrawn from the account);
• you can withdraw money from the card through an ATM (through it they put money on the card and withdraw banknotes, and also pay for various types of services);
• payment for goods and services on the Internet;
• the opportunity to pay in stores, making various types of purchases, paying for the services of gas stations, restaurants, retail outlets, pharmacies.

For some types of cards, Sberbank provides a special offer - the accrual of interest on the account balance. Interest ranges from 2.5 to 4% for one year, which is slightly lower than opening a deposit in the same bank. But there are no restrictions on the use of your money - you can withdraw, add or transfer them to other accounts at any time without fear of losing interest.

Free debit cards from Sberbank

Pension

The Pension Mir card, which was previously called Social Sberbank-Maestro, is free of charge. Citizens from 18 years old can issue it. Its main purpose is to accumulate a pension and receive other social benefits through it. The card has a number of undeniable advantages:

• does not have an annual service, free reissue (except in cases of loss or if the PIN code is forgotten);
• the account balance is charged with interest at the rate of 3.5% per annum every three months;
• the presence of a chip, as well as the ability to make purchases on the Internet;
• You can withdraw money from Sberbank ATMs free of charge.

Since the card is a budget option, it has certain drawbacks. These include:

• 18-digit code for the old issue of Sberbank-Maestro, which allows you to make purchases not on all Internet resources, after the introduction of the Mir card, this deficiency was corrected and now a 16-digit code is used;
• cash withdrawals can only be made within Russia, with the maximum limit set in the tariff;
• payroll is not possible on it.

This is a great replacement for a passbook, as well as a way to protect investments from inflation, since interest is charged on the account balance.

Momentum Visa and MasterCard

These cards are issued immediately after signing the application, that is, they are instant. Their registration will take only 10 minutes - for this, any Russian citizen over 14 years old must come to the Sberbank branch and fill out the necessary documents. Immediately after that, the card will be issued and ready for use. Its release is free, the card has no annual service.

The disadvantage of the card is the absence of a mark about the recipient's name, that is, it is unnamed. Technically, you can pay by card both online and in offline stores. However, there are times when sellers refuse to accept such cards, since its owner is not clear. When paying on the Internet, no problems should arise.

Another plus - unlike a pension card, the calculation can be carried out not only in rubles, but also in dollars and euros.

Card service is free.

Inexpensive Sberbank cards

Troika transport card

This card is intended for use when traveling in city public transport, payment is made in a contactless way. Many residents of large cities have already managed to feel its advantages. Also, this silver card, like all other registered Sberbank cards, except for MIR cards, can be linked to Samsung pay and Apple pay (or Android Pay).

Its validity period is 5 years, and the cost of annual maintenance is 900 rubles... With further use, the price will be 600 rubles per year.

Youth

Cards in this series are issued only to young people from 14 to 25 years old inclusive. Her service is only 150 rubles per year- this is the most advantageous offer among the paid cards of the green bank. Otherwise, it is no different from the more expensive Classic plan.

By the way, for 500 rubles you can make a card with an individual design.

Classic Cards Category

These personalized Sberbank cards are the most common. They provide for an annual service in the amount of 750 rubles per year, registration is free. The peculiarity of such cards is the ability to choose an individual design; the cards support contactless payment.

There is an opportunity to receive bonuses "Thank you from Sberbank" and "Give life", where 0.3% of purchases with the card, as well as half of the annual service amount, goes to help sick children.

Sberbank premium cards

Gold

These cards are often applied to salary projects. They are developed on the basis of leading payment systems. The annual service cost is higher than with the classic card tariff and amounts to 3000 per year. The card works without restrictions both in Russia and abroad.

Platinum

Those clients who belong to the category of wealthy individuals apply for Visa or Mastercard Platinum cards. Annual maintenance on it will be 4800 rubles per year... There is contactless payment, you can use it abroad.

When choosing a card, it is also important to consider the cash withdrawal limit:

How to arrange

There are several ways to design a card:

1. filing an application for a card at the bank;
2. Application for .

Regardless of the method you choose, you will need to pick up the finished card yourself - in the branch you have chosen. Courier and mail delivery in Sberbank is still absent.

The most preferred method for many bank clients is the online application method. To do this, you need to visit the bank and select the type of card you are interested in.

Then you should enter personal information about yourself and indicate the branch where it will be convenient for you to pick up the card.

When the card is ready, it will be delivered to the selected bank branch, then an SMS will be sent to the phone number indicated in the application. It will contain information that you can come to the specified branch and pick up the card according to your documents, as well as sign an agreement.

If the method is chosen in favor of visiting the Sberbank branch closest to the house, then the manager will accept the application and check the documents submitted by the client. After a while, the client will receive an SMS with the specified date of issue, where he will take the issued card.

The finished debit card is issued in an envelope containing a PIN code. Activation should be done on the first day after receiving the card or during the first transaction through an ATM.

The manager will offer to activate with him, after which the card can be used independently.

Debit Card Terms of Use

It is convenient to pay with a card in a store by entering a PIN code or using contactless payment. Withdrawing cash from an ATM with green bank cards is quite convenient, since this particular bank has the most extensive ATM network in Russia, and almost all withdrawals for customers are free of commission. It is especially convenient to pay with cards for purchases on the Internet.

With the help of the Sberbank-Online service, it is possible to transfer money to accounts in other banks or within Sberbank, to extinguish mortgages, loans and carry out other monetary manipulations. Fines from the traffic police can also be paid through an application on a mobile or a web browser on a computer.

Remember that respect for the card must be maintained throughout the entire period of use. The magnetic stripe and chip installed on the plastic surface must be intact. This will provide a seamless payment experience that does not cause discomfort due to disruption caused by damage.

Important! If the card is lost or stolen, or its data has been compromised, you should immediately contact the bank's support service by phone or personally through the branch in order to blocking... The support manager will offer to reissue the card.

So is it worth getting a Sberbank card?

The advantages of all debit cards from Sberbank are obvious: some of them have a free annual service, in addition, this banking organization has a developed network of ATMs and branches that can be visited in almost any settlement of the Russian Federation.

Another very important advantage: Sberbank cards are perhaps the most common in Russia. Therefore, if you need to transfer money to your friend, with a high degree of probability he is also the cardholder of this bank, which means that the transfer can be made without commission.