Sberbank visa gold loan. Cash withdrawal conditions and card benefits

The most famous bank in Russia offers its customers cards for every taste. But compared to others, gold has always had and still has enormous advantages. Sberbank's Visa Gold is one of these cards.

Many people still cannot fully understand how gold cards differ and whether it is worth paying such amounts for their service. Whether “Gold” cards justify their status is something everyone decides for themselves, but it’s a fact that there are many more possibilities with them!

Important advantages of Sberbank Visa Gold

This credit card provides ample opportunities to its holder. It emphasizes the status of the card holder; in addition, such a card has properties that allow it to be used with greater benefit.

What are the main advantages of Sberbank Visa Gold?

The holder of a “Gold” card can receive information support at any time by calling the bank’s contact center.
It is possible to manage your own account via the Internet.
The cards are linked to the most common and well-known payment system, Visa.
Funds on the card can be held in any currency.
There is no overdraft limit.
Money can be withdrawn from the card not only in Russia, but also abroad.
It is not necessary to make a first deposit into the card account.
Money is credited to cards very quickly.
Early or regular card issue is free of charge.
Account reporting can be done without commissions.
You can make an emergency withdrawal of funds for free abroad. This is possible in cases of loss of a PIN code or card.
It is possible to withdraw cash using a card from partner banks under the same conditions.

Additional opportunities for Visa Gold card holders

The main advantages of Visa Gold were listed above. Sberbank, in addition to them, offers its clients additional card options. These include:

"Mobile Bank".

Using this service, you can manage your account and receive reports on transactions performed. It is also possible to perform expense transactions using a mobile phone.

Sberbank Online".

Through this service you can make payments for goods and services, deposit funds and make money transfers.

"Autopayment".

Using this service, it is possible to pay automatically (with the necessary settings for frequency and volume) such important payments as Internet, cellular communications, housing and communal services, cable television.

Protected mode.

Using one-time codes sent to the holder, you can pay for goods and services via the Internet in a secure mode.

Visa Gold: discounts

Sberbank clients who use Gold series cards have the opportunity to receive discounts from the bank’s partner companies.

There are special programs for cardholders:

Discounts at Hertz, which specializes in car rentals.
Discounts in thousands of stores and companies in thirty-three countries around the world. A Gold card holder automatically becomes one of the Countdown program members. Without a gold card, membership in this program is fourteen dollars.

Visa Gold: offers

Anyone who wants to have constant limited money at interest can get a gold card. But you need to take into account that regular owners of the Gold card receive enormous benefits from using it. Interest rates are reduced for them and free annual maintenance is offered.

Sberbank personally offers its most reliable clients a gold card. The Visa Gold credit card gives you the opportunity to be considered a privileged consumer of banking services. In this case, you can get a credit card at reduced interest rates and with free servicing.

Types of Visa Gold cards

One of the most famous banks offers interesting and profitable loans to its clients. Sberbank Visa Gold credit card is a convenient solution for people who respect their time and money. Gold cards are issued according to several programs:

Visa Gold debit card.

Such a card emphasizes the prestige and status of its owner. It allows you to participate in special programs with promotions that provide discounts. The card is opened to citizens over 18 years of age. Non-residents of the Russian Federation can also purchase this card. Servicing the card costs three thousand rubles per year.

Visa Gold credit card.

The credit limit on the card is quite high, it is 600,000 rubles. It also has a grace period of up to 50 days (during this period you can use the funds without interest). The card gives you the opportunity to participate in various promotions, where there is a guarantee of very favorable discounts. Her annual maintenance is 3,000 rubles. There is also a withdrawal commission, which is 3%. The interest rate is 23%, and if the client falls under the promotion, the rate will be 17.9%.

Co-branding cards.

In addition to regular cards, the bank issues plastic cards that allow you to accumulate bonuses. These special offers include:

Viza Gold card "Aeroflot" (when paying for services with this card, bonuses are awarded, which can later be used when purchasing an air ticket).
Visa Gold card “Gift of Life” (accumulated bonuses go to a charitable foundation).

Annual card service costs 3,500 rubles.

The capabilities of the gold card provide great advantages to its consumers, for whom convenience comes first. Plastic cards from Sberbank are easy to issue. You can apply for a card online, by phone or at a bank branch.

Traveling to foreign countries for business or leisure will become more comfortable if you have a Sberbank Visa Gold card. The Bank issues two types of “golden” Visa carriers: debit and credit. Let's consider the purpose of bank cards, the features of their design and the opportunities provided.

Gold class carriers in the Visa family

Sberbank, under the Visa brand, issues cards of the payment system of the same name, officially registered in Russia, and based on dollar payments. To differentiate the rules of registration, the cost of annual service, and the level of privileges, it is customary to divide Visa cards into classic (Classic), “gold” (Gold), “platinum” (Platinum). What are the advantages of plastic at each level?

Visa Gold, like Classic, uses three currencies and is used for settlement transactions in cash, non-cash payments, transfers, obtaining a consumer loan, participation in bonus programs and charity. Successfully used as a payroll.

But the gold card differs from its “little brother” in some functions: during foreign business trips it will provide the holder with 24-hour support through the contact center, emergency cash receipt in case of loss of the card, consultations on legal and medical issues.

Platinum is aimed at wealthy and privileged clients of Sberbank. Thanks to the card, the holder will have access to a high credit limit. When traveling abroad, life and health insurance, VIP service in banks, hotels, airport lounges, restaurants, and showrooms are guaranteed. There are purchase protection programs, including those with an extension of up to two years, under which replacement and return of goods of inadequate quality are carried out.

Before choosing a card, the holder needs to determine for what purposes the bank medium is issued.

If the main goal is to use it for payments in Russia, Visa Classic, as well as its variants issued by Sberbank (including Momentum), completely cope with the task.

On foreign business trips, premium class carriers will add more confidence.

Main characteristics

Sberbank's Visa Gold supports settlement transactions in rubles, dollars, and euros.

The processes for registering a plastic carrier follow this order: the client opens an account and receives a plastic card, a kind of “key,” to manage money.

The issuance of a Visa Gold card from Sberbank is accompanied by the usual conditions: the client must be a resident of the Russian Federation, over 18 years of age and not older than 65, with permanent registration at the place of residence. Depending on the type of account, there may be differences in the registration rules.

Visa Gold makes it easier for the holder to access the account and perform banking transactions:

withdrawing and depositing cash through bank cash desks, ATMs and terminals;
non-cash money transfer, including via the Internet;
direct payments for goods in the retail network, company services and housing and communal services;
settlements with counterparties via mobile banking;
obtaining a consumer loan within the limit of 300-600 thousand rubles.

The card allows you to participate in charity and incentive programs.

Visa Gold: big advantages and small disadvantages

Finding shortcomings and pitfalls in using a “golden” medium is not easy. Small plastic allows you to simplify payments, is convenient when crossing state borders, reliably stores banking secrets, and provides favorable currency conversion rates.

To increase the level of service for Visa Gold holders, Sberbank offered clients an additional package of Sberbank-Premier services. Owners of deposits and accounts with a total amount of 2.5 million rubles or more can become participants.

Clients are interested in Priority Pass, which provides free service in airport VIP lounges, including up to 9 companions.

As for the disadvantages, debit card holders sometimes complain about the lack of interest accrual on the balance when paying for bank services. For credit cards, an insufficient credit limit is most often noted.

Features of a debit card

Debit Visa Gold is intended for storing the holder’s own funds, as well as making payments.

The bank's requirements for the client are loyal:

by age - from 18 years for the main carrier; an additional card can be issued for children over seven years of age with the consent of the child’s representative;
availability of permanent or temporary registration.

The card is valid for 3 years and is issued free of charge. Early issue, re-issue of media after a three-year period, restoration of lost plastic, PIN code are also carried out free of charge.

Sberbank introduced three types of Gold cards

Standard Visa Gold is a universal card, open in three currencies, with great opportunities and bonuses. Used for payments at retail outlets, the service sector, when purchasing tickets, and for transferring wages.

Instant payment transactions, receipt of money into the account within an hour, privileges provided by Visa and the issuing bank - this is not the entire list of advantages.

By registering in the “Thank you from Sberbank” service, the holder receives up to 20% bonus cashback from the bank’s partner structures.

Visa Gold "Aeroflot" has advantages similar to universal plastic. For each purchase, “bonus miles” are awarded, which are transformed into discounts when purchasing air tickets and improving the category of service for air travel.

By opening the “Give Life” Visa Gold, the holder will show himself in charity and help seriously ill children. Card maintenance in the first year is higher than other types. But 50% of the funds received, as well as part of the bonuses awarded on purchases, are sent to a fund to help sick children. The card is issued only in Russian rubles.

How much does it cost to service a debit card?

The following table summarizes information on the cost of banking services for basic and additional Gold-class plastic.

The conditions for using “golden” debits are the same:

The daily limit for cash withdrawal at the bank's cash desk is 300 thousand rubles or the equivalent in foreign currency, through an ATM - 300 thousand rubles. / $12000 / 9000 euro;
monthly cash transaction limit: 3 million rubles / $100,000 / 75,000 euro;
crediting cash to the account per month - up to 10 million rubles. or equivalent;
payment for goods and services by card is carried out without commission payments;
commission for exceeding the daily limit at cash desks and ATMs of Sberbank and its subsidiaries - 0.5% of the amount, in another bank - 1% of the amount or at least 100 rubles. / $3 / 3 euro;
interest payment for accepting money onto a card in other banking institutions is 1.25%, or 30 rubles. - minimum, maximum - 1000 rubles.

The client is provided with related services: account statements, checking the balance of funds - for 15 rubles. / 1 request. Activation of Mobile Banking services and SMS notifications are free of charge.

Undoubtedly, the cost of servicing “gold” cards is higher than classic ones. But the holder receives a significant limit on cash transactions, free re-issue of the medium in various loss situations, and support from the issuing bank in difficult circumstances.

Salary Visa-Gold

Many will ask “Why, if there is a Visa Classic?”

The classic card is convenient for receiving wages. But when concluding an agreement as part of a salary project, Sberbank recommends that employers apply for Visa Gold for top management salaries.

Having premium plastic, executives on business trips will be spared unnecessary formalities when crossing the border, will feel supported by the bank, and will support their own status when resolving financial issues.

Visa Gold Credit Card: How to Get and Use

The Sberbank Visa Gold credit card simplifies obtaining and using non-targeted consumer loans. It is convenient to pay in stores, for services, buy tickets or withdraw cash.

When registering, the requirements for the client are stricter (compared to standard offers): age from 21 to 65 years inclusive, permanent or temporary registration at the location of a structural unit of the bank, official place of work.

When contacting Sberbank, a potential borrower provides the following documents:

personal passport;
a certificate of income for the last six months according to the sample established by the bank or form 2-NDFL;
a certified copy of the work book confirming at least 1 year of experience at the last place of work.

Studying and checking the submitted documents will take several days, then the banking service agreement is approved. The credit limit is set individually and depends on the borrower’s income level. Sberbank approves credit cards primarily for holders of salary and pension cards, as well as those with a positive credit history.

The Sberbank Gold credit card is opened only in rubles. Gold cards are issued in three varieties: traditional, Aeroflot, and Podari Zhizn.

The use of traditional gold credit cards, and under the Aeroflot program on standard conditions are as follows:

The maximum credit limit is 300 thousand rubles.
Maintenance - 3000 rubles/year.
Issued for 3 years, reissue for any reason is free.
Additional media is not issued to the account.
The fee for using the loan is 27.9% per annum, in case of violation of payment terms - at the rate of 36% per annum.
Grace period - 50 days.
Cash deposits are carried out without commission.

The cost of services for the “Gift of Life” card issued for a mass offer is 3,500 rubles per year. Half of the amount is transferred by the bank to a charitable foundation.

Pre-approved Visa Gold: Features

Sberbank practices issuing “golden” media on pre-approved (pre-approved) or special conditions.

Card plastic is distributed among owners of deposits, participants in salary projects, bona fide borrowers, and debit card users.

The pre-approved Visa Gold card has:

credit limit up to 600 thousand rubles;
interest on the loan - 23.9% per annum;
for some media – free service for 1 year.

To obtain a pre-approved credit card, you do not need to provide any documents other than a passport. The bank issues card plastic in advance and approves the credit limit based on the turnover of bank accounts opened in the client’s name. Visa Gold, received on a pre-approved basis, performs the same functions as any Visa gold card.

Grace period and minimum payment

Sberbank Visa Gold credit cards provide a grace period for using the loan when interest will not accrue.

The duration of the grace period is 50 days, which consists of a settlement period of 30 days. At this time, the holder makes purchases. In the next 20 days, the loan is returned. If the borrower meets the specified deadlines, no interest is charged on the loan.

Sometimes the client cannot repay the debt on time, and the question arises about the minimum payment amount. According to the terms of lending, the minimum for the card is 5%.

Let's show the return calculation using an example:

approved limit - 150 thousand rubles;
spent during the billing period - 30 thousand rubles;
lending conditions are standard.

The minimum repayment amount is:

30 thousand rubles. x 5% = 1500 rub.;
Interest for use will be: 30.0 x 27.9% / 365 x 30 = 688 rubles.
The minimum deposit required is RUB 2,188.
Otherwise, you will have to pay a fine at the rate of 36% per annum.
Next month for the same purchase you will need: (30.0 t. - 1.5 t.) x 5% + 688 = 2113 rubles.

Cash withdrawal by credit cards

A situation where it is necessary to control benefits is withdrawing cash from a credit card. Sberbank's conditions for cashing out funds:

withdrawal limit through an ATM is 100 thousand rubles. / day, through the cash register - 300 thousand rubles.
commission for cashing out in the bank’s network is 3%, in other structures - 4%, minimum - 390 rubles.

Let’s assume that 50 thousand rubles are withdrawn through a Sberbank ATM. The commission will be 1500 rubles, which is also debited from the account. The grace period does not apply to cash withdrawals, so the interest payment will be accrued from the first day.

Pros and cons of Sberbank credit cards

Holders of “golden” plastic have a positive assessment of Sberbank credit cards: the bank’s requirements are clear and feasible, and quick processing. The terms of use and interest calculations are clearly stated in the service agreement.

The presence of a fifty-day grace period turns the loan into an interest-free revolving line of credit.

But a credit card is not a source of cash. This is evidenced by high commissions when withdrawing money from an account, as well as the lack of benefits when calculating interest payments.

Media activation

To use, Visa-Gold must be activated. The procedure is carried out no earlier than 24 hours after the release of plastic. To perform the operation, an envelope is sent containing a PIN code known only to the holder.

For the card to become active, all you need to do is perform a simple action: deposit a small amount or make a request. When asked by the system, the PIN is entered and the media becomes active. It can be used for transactions. Bank plastic cards are not activated through a call center or hotline.

Purchase Incentive Program

The bank invited holders of Visa-Gold traditional and “Gift of Life” to become participants in the “Thank you from Sberbank” bonus program. To participate, you must register: through the terminal or using remote access programs.

The option provides for incentives for non-cash payments for purchases in retail chains. For this, you receive incentive points from the amount paid to a special account:

5% when visiting cafes and restaurants;
1% when paying in supermarkets;
for other purchases - 0.5% from Sberbank, up to 20% - from partner structures.

Incentives are transformed into discounts when purchasing goods from Sberbank partners. Bonuses are not awarded on amounts of cash withdrawn, when transferring to another account, or paid for housing and communal services. You can check the number of reward points using a special SMS request.

The Visa Gold card is a special tool provided by Sberbank for special clients. It belongs to the category of privileges and can be either debit or credit. If you are interested in this type of card, then you will need to know more about its advantages and features that make it unique.

In order to get a Gold Visa, you need to apply directly to Sberbank for a Sberbank credit card. The card can only be issued if the client meets certain conditions.

First of all, the applicant must be an adult and have a specific place of registration in the country. Visa gold is issued to citizens of Russia. If the client does not meet these conditions, then the card can be issued, but only on an individual basis. Representatives of Sberbank will consider the case separately and make a decision, taking into account a number of factors and circumstances.

If a person meets all the necessary conditions, he must personally come to the bank office or submit an application via the Internet. When visiting the institution, you must provide a passport, as well as fill out the issued application.

When consent is received to issue a Sberbank Visa Gold credit card, the client will have to sign the agreement within two days at a branch of the banking institution. If the application was sent to the official website via the Internet, then the client is invited to the office. After this, you will need to sign documents by presenting your passport. If you want to make a card with an individual design, you will need to submit your application exclusively through the online service.

Advantages of the card

The owner of a Visa Gold from Sberbank has a number of advantages that make it possible to simultaneously use dollars, euros and rubles. The card has a special security chip that prevents fraud attempts by ill-wishers.

The client has no restrictions on the use of the Visa both in Russia and abroad. He can freely use it for payment and cash withdrawal under the same conditions. All special offers, promotions, and discounts apply regardless of the user’s location. But it is also possible to issue several additional cards, even for a child over 7 years old.

The Sberbank Visa Gold card has separate bonus programs and classic ones (for example, “Thank you”).

You can top up your account in many different ways. Both ATMs and terminals, as well as other banks besides Sberbank, are suitable for this. You can use online services for transfers over the Internet.

Features of a gold credit card

The Sberbank Visa Gold credit card requires an annual maintenance fee. The amount for such VIP clients is quite small and amounts to 3 thousand rubles.

The gold card is issued for three years. Upon expiration of the term, the account is closed and a new contract is drawn up to receive the same product. You can replace the plastic at any time without charging a fee.

When using Visa Gold by large clients, the limit may be exceeded. If the owner exceeds the daily limit of 300 thousand rubles, then the banking institution takes a commission of 0.5% in Sberbank or 1% in other banks. The monthly limit is 3 million rubles.

The credit card has a maximum limit of 600 thousand rubles. If the card is serviced free of charge, then it is subject to a repayment interest of 25.9%.

It is possible not to pay interest on the debt if you repay it on time. 50 days are given for this. After thirty days, the bank generates a report and sends it to the client. Knowing his debt, the user can pay it off within 20 days. He may not wait for the report, but pay it any day. If it does not exceed this period, no interest is charged.

Credit card privileges

The Visa Gold credit card has certain privileges. They are subject to the tariffs established by the bank, as well as additional services and opportunities.

These conditions include the ability to use all Visa discounts. Use remote resources to get advice from bank representatives, solve a number of problems or conduct financial transactions.

If you lose your credit card abroad, it is possible to receive cash in a short time.

Additional connection of a secure system for remote work and linking to electronic wallets.

Many payroll clients receive an attractive offer to apply for a Sberbank Visa Gold credit card, but do not know how to use it correctly in order to appreciate all its advantages. We will talk about this issue today.

It should be noted that Visa is a global company, which provides support for such cards. But it is issued by the bank, so the terms of registration, loans and deposits, grace periods and bonus offers - all this is managed by banking organizations, and not by the Visa payment system.

Such a card is provided to “salary earners” on preferential terms, for example, they will be offered a reduced interest rate and free servicing of Gold status plastic.

For all other consumers, a rather high rate and a rather large user fee remain (3,000 rubles per year). Perhaps there are no more differences for ordinary clients and those who receive wages into an account with this bank.

Here are the main conditions of Visa Gold:

The long grace period is 50 days, but applies only to non-cash transactions (this does not include transfers via Internet banking or cash withdrawals). Grace period is a very convenient service, you can read more about it.
The plastic is equipped with a chip to provide additional security. This is also important for travelers, since these are the types of credit cards that are accepted in many parts of the world. Read about how to properly use the card abroad in this review.
Free use of services such as Internet banking (Sberbank Online" and "Mobile Bank" (read the instructions for connecting these services). You will be able to monitor your balance around the clock, receive information about the timing and amount of mandatory payments, the end of the grace period, the amount of your debt, etc.
It is advisable to use plastic only for non-cash payments (it’s cheaper and the grace period is maintained), but if you need to withdraw money, then get ready for a commission of 3% at Sberbank’s “native” ATMs and 4% at others (minimum 390 rubles in any devices). You can view a list of funds receiving devices in Moscow.
Limit up to 600 thousand rubles. You can find out about various cards with a credit limit in this article.
You can cash out no more than 100 thousand rubles per day at an ATM and no more than 300 thousand rubles at a cash desk. Read more about the company's withdrawal limits by following the link.
No hidden fees and an attractive interest rate of 25.9% per annum.
The validity period of the plastic is 3 years.

As an alternative to Visa, you will be offered MasterCard, there is no fundamental difference in them, only in the bonuses provided by the payment systems.

aged from 21 to 65 years,
have Russian citizenship,
registration in the region where the bank office is present,
stable income for more than six months at a permanent job.

Clients who receive salaries from Sberbank, depositors, debit card holders, as well as borrowers on bank loans can also receive a pre-approved offer. Then, to receive a card, you just need to come to the office with your passport.

How to use?

A personal card provides the following options:

Receiving and withdrawing a scholarship, salary or pension. To do this, insert it into your bank's ATM, enter the PIN code and simply follow the instructions on the monitor.
Payment for goods and services on websites
Payment of utilities and communications.
Obtaining and repaying loans
Accumulation of funds to earn interest, and sometimes additional bonuses are accumulated.
Payment for goods and services in shops and supermarkets, restaurants and other establishments

Thus, this card is a kind of wallet, which is located in a plastic case. You can also use it to pay for all the purchases you are used to, and at the same time receive bonuses for this in the form of “Thank you” points.

If you want to take advantage of the grace period, i.e. If you pay for purchases on credit and do not overpay interest, you should remember that it only applies to the purchase of goods and services in retail stores. When you pay with a credit card in online stores, when making a transfer, paying for communication services, etc., you will immediately begin to be charged %.

In the article:

Visa Gold is a Sberbank credit card that has a number of advantages. First of all, its owners automatically become participants in the international payment system Visa. This status makes it possible to use incentive and support programs from Visa, which is especially important when staying abroad.

Conditions for issuing a credit card

A gold credit card from Sberbank involves receiving bonuses when actively using the card from partner companies that are participants in the bonus system. There are quite a lot of them, they are diversified, which will allow owners to receive certain preferences when paying for purchases and services. Using this banking product is a confirmation of a certain status of the owner and the opportunity to use a number of additional services.

Visa Gold credit card from Sberbank

There are certain rules for lending in banks. This also applies to such a banking product as the Visa Gold credit card from Sberbank. The conditions for obtaining it are limited by the following factors:

Age of the potential borrower: from 21 to 65 years;
Registration on the territory of the Russian Federation: quite temporary in the territory of Sberbank’s presence, permanent – not a prerequisite;
Confirmation of income: required (certificate 2-NDFL or certificate from the pension fund, for individual entrepreneurs - confirmation of income and certificate of registration of business activity);
Experience: required (at least 1 year total, and continuous during the last six months).

These documents are accompanied by an application for a credit card and a passport.

Grace period of Visa Gold card

An advantage for borrowers such as a grace period (or grace period) is actively used in the banking system.

Features of the grace period

The grace period of this credit card has its own characteristics that its owners should pay attention to. The golden grace visa has a period:

This is an opportunity not to pay interest when using credit funds for 50 days;
It applies exclusively to non-cash transactions when paying for goods and services;
Does not apply to any method of cashing out finances and transfers through any transfers.

These conditions mean that clients do not pay bank interest during the grace period only when using a non-cash payment system.

If the owner of Visa Gold needs cash, he will either have to pay the interest accrued on the withdrawn amount or use another bank card.

Correct use of the grace period

Borrowers pay special attention to this point so that in the end they do not experience problems with repaying the loan. When using a credit card for non-cash payments, owners do not pay bank interest on the amount used for 50 days (the duration of the grace period). A mandatory condition is the monthly repayment of the spent funds in the amount of at least 5% of the amount.

If during the grace period the limit on the card was restored, then the owner actually used the bank’s money without paying for its use. This is the most convenient option on how to use a Visa Gold Sberbank credit card with maximum benefit.

Cash withdrawal

Clients who have issued a credit card must also take into account one more feature of Sberbank’s work. For Visa Gold, cash withdrawals always come with the payment of interest.

Terms of transfer

If during the grace period a transfer was made from a credit card or a certain amount was cashed out, then bank interest will be charged on it. In this case, a payment in the amount of accrued interest is added to the mandatory monthly payment of 5% of the amount used. If the owner does not take this point into account, there will be a delay on which, in accordance with the agreement, interest will be charged at the rate of 36% per annum. These are the features of the grace period at Sberbank for visa gold credit cards; they should be taken into account when choosing the type of card to be issued.

Payment percentage when withdrawing cash

This is a prerequisite for transactions to withdraw funds from a gold credit card. That is, you will pay interest when:

Cash withdrawal at Sberbank’s own ATMs (3%, but not less than 390 rubles);
Withdrawing money from ATMs of third-party banks (4%, but not less than 390 rubles);
Any operation to withdraw cash from a credit card (bank interest on the amount, even during the grace period).

Thus, the terms of the grace period for the Visa gold credit card do not imply interest-free cash withdrawal (some other banks provide this option).

Credit limit

The credit limit of Visa Gold Sberbank credit cards is quite large, its maximum is 600 thousand rubles. For each borrower, the amount of available funds is determined individually. An additional benefit for Visa gold cardholders is that there is no overdraft cap. The daily limit for withdrawing money is 100 thousand rubles. at ATMs and 300 thousand rubles. in other ways.

Visa Gold service

Servicing the Sberbank Visa Gold credit card consists of:

In an annual payment of 3,000 rubles. (exception – special offers for existing bank clients);
At an interest rate of up to 33.9% per annum (charged on the amount used by the client monthly);
Providing a number of free services (SMS alerts, Internet banking, auto payments, telephone alerts);
In free re-issuance of the card (both early and mandatory when renewing the contract after 3 years);
In the accrual of bonuses under the “Thank you from Sberbank” program for use when servicing in partner companies, and in the provision of benefits from the international Visa system.

Conclusion

Visa Gold, a Sberbank credit card, is a high-status banking product designed for consumers conducting active financial transactions using a non-cash payment system. The undeniable advantage of this card is its support for the international Visa system during foreign tours. An extensive list of partner companies will allow owners to receive various bonuses and discounts when using funds provided by the bank.