What kind of credit card is Visa Gold? Receiving money from an ATM

And their benefits

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 offer 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 at Sberbank Visa Gold or MasterCard Gold is 3,000 rubles.

The basic set of additional services for Visa Gold includes services in case of emergency (the cardholder has the opportunity to instantly receive monetary compensation), medical and legal support in difficult situations, as well as 24-hour assistance services.

The minimum set of services for MasterСard Gold includes round-the-clock support, an insurance program, special offers for business owners, as well as participation in the Priceless Moscow program. The latter allows, for example, access to a private screening or a look behind the scenes of theatrical productions.

The main benefits of owning such cards can be appreciated by those who travel a lot. Premium cards provide the opportunity to sign up for special insurance programs for trips abroad, the coverage of which reaches $50 thousand.

Cards provide additional benefits to those who like to make purchases using non-cash payments. They have access to discounts and special offers both in Russia and abroad. The partner network includes thousands of retail outlets, restaurants, hotels, theaters and cinemas, as well as other services around the world. Their full list can be found on the websites of Visa Premium (www.visapremium.ru) and MasterCard Worldwide (www.priceless.com).

It is worth noting that premium credit cards of the Gold category, in contrast to cards of a lower segment, usually have an increased credit limit and a reduced interest rate. Since owners of annual cards are perceived by the bank as more reliable borrowers.

Owners of premium cards have access to all Sberbank services - Mobile Bank, Sberbank Online, . They can be connected when registering a card. The cards are also participants in the “Thank you from Sberbank” bonus program.

How to get a premium card from Sberbank

The Gold card can be issued in rubles, as well as in dollars and euros at any Sberbank branch. To receive a debit card, the borrower must write an application for card issue. It can be applied for by all Russians over 18 years of age. The only documents required are a passport. After two weeks, you can pick up the card from 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 payroll client). Based on this, the bank will decide on the maximum amount of the credit limit and the interest rate.

The credit limit for premium Gold cards is up to 600 thousand rubles. The interest rate is 17.9% - 23% per year. Card servicing is free as part of the bank’s personal offer.

Age restrictions for obtaining a credit card are slightly different

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.

What documents are required to receive a card?

To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.

Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.

It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.

How can I use THANK YOU bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.

How can I find out my card details?

To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.

Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.

Among this list is the Sberbank Visa Gold card, the main characteristics of which will be discussed below.

Advantages of the Sberbank Visa Gold card

Like other Sberbank plastic products, the Visa Gold card has its own advantages and disadvantages. Since the Sberbank Gold Card is not an entry-level plastic card, the cost of its service is much higher, amounting to 3 thousand rubles. in year. The main advantage of the card is considered to be an increased program, which can be obtained by non-cash payment in. Also, holders of this card are provided with discounts on the program, as well as discounts on various events under the program.

The main advantages and privileges of the Visa Gold debit card from Sberbank:

• applicable currency: euros, rubles or dollars;
• issue of additional cards, including cards for children over 7 years old;
• access to promotions and discounts even in other countries;
• equivalent service and cash withdrawals in the Russian Federation and abroad;
• reliable protection using an electronic chip;
• use as a salary card.

Since Visa Gold Sberbank is a premium card, no subscription fee is charged regardless of what you choose. The service will be useful to those clients who also carefully monitor money transfers made using the card.

Limitations of the Sberbank Visa Gold card

The Sberbank Visa Gold card, like other plastic cards, has some restrictions, for example, a limit on cash spending. For Visa Gold Sberbank the following are established: for a monthly period - 3 million rubles, and for a day - 300 thousand rubles. If the daily limit is exceeded at the time of transactions, the bank charges a commission. Its size is: in Sberbank devices and cash desks - 0.5% of the amount; 1% - at ATMs and terminals of other banks.

The card is valid for 3 years. At the end of this period, you can close the account, order or extend the existing contract. You can replace your current card before its expiration date, without paying a fee.

Visa Gold card replenishment options:

Sberbank offers a large selection of card products for its clients. The Sberbank Visa Gold card, which can be debit or credit, stands out from the privileged category.

Visa Gold can be not only a debit card, but also a credit card

The Sberbank Visa Gold debit card provides special advantages and privileges to its holder:

• Currency: rubles, euros, dollars.
• Electronic chip protection.
• Possibility of obtaining additional plastic cards, including for a child over 7 years old.
• Action of the “Thank you” bonus program.
• Cash withdrawal and service under the same conditions in the country and abroad.
• Discounts and promotional offers everywhere, incl. Abroad.
• Issuance within the framework of a salary project.

Requirements for the client to issue a Gold Card

To be able to use this product, you must be an adult, a citizen of Russia and have registration. If the last two points are not observed, the issuance of plastic is also possible. In this case, the bank makes a decision individually. The issuance procedure is as follows:

1. Visit the office or apply online.
2. Show the employee your passport.
3. Fill out an application.
4. After receiving consent (no more than 2 days), sign the agreement.

Features of gold cards of different payment systems

When submitting an application online, the client is invited to the office to sign the necessary papers. If you want to receive a product with an exquisite, unique and original design, you only need to submit an application online.

Cash withdrawal conditions and card benefits

Terms of use of the debit card product

Servicing the product costs 3 thousand rubles per year, it is issued for 3 years, after which you can close the account, get a similar product or renew the contract for an existing one. You can replace an existing card, including ahead of schedule, without applying a fee.

For large clients, it is sometimes a disadvantage that the card has a limit. For a Gold card it is equal to 3 million per month or 300 thousand rubles per day. If you exceed the daily limit, commissions will be deducted on transactions. It will be 0.5% in bank services and 1% when using devices of other institutions.

The amount of annual payment for using a gold card

The Sberbank Visa Gold card, the advantages and disadvantages of which for the client are obvious from the above, has many ways to replenish:

• Transfer money through an employee at the operating cash desk. You will need to provide your card or account number. In the first case, you need to confirm your authority with a passport, in the second, you need to know the details of the regional institution that issued the product.
• From another Sberbank plastic card. It is allowed to use ATMs or terminals of the issuing bank. When connecting the relevant services, the operation takes place via a mobile application via SMS or Sberbank Online.
• Deposit cash into your account through a terminal or ATM (cash-in).
• Transfer from a card of another financial institution. To do this, you will need to provide the details of the bank that issued the plastic, its number, account number and your last name. Receipt is carried out on this day or the next.
• Through the Visa Direct service. Transfers are allowed online (smartphone, Internet), as well as in cash through a terminal or ATM. With the latter, you can use both devices of the issuing bank and other institutions. When completing the procedure, you only need to indicate the card number. The operation takes place instantly. In exceptional situations, delays may occur, but not more than 3 days.

Commission for cashing out funds

Conditions and features of the Sberbank Visa Gold credit card

The benefits of the Gold card also apply to a similar product in the credit category.

The credit card is designed for a limit of up to 300 thousand rubles, and up to 600 thousand rubles. as part of a personal offer. For the use of bank funds, a repayment interest of 27.9% (mass offer) and 23.9% (for clients with a pre-approved offer) is provided. The penalty for late repayment in all cases is 36% per annum.

As part of the mass offer, the bank provides special conditions for clients who have issued a Gold Credit Card since 01.01. until December 31, 2018, – free service for the first year. For everyone else, the same tariff applies - 3,000 rubles. in a year.

It is possible not to pay interest on the debt if you repay it on time. 50 days are given for this. After thirty of them, the bank generates a report and sends it to the client. Knowing his debt, the client can pay it off within 20 days. Also, he may not wait for the report, but pay it any day. If it does not exceed the specified period, interest is not accrued.

Conditions for issuing a gold credit card

The Sberbank Visa Gold credit card, the conditions of which are described above, is subject to registration under the conditions that the client is over 21 years old and has a permanent place of work. Moreover, his work experience must be more than six months at the job where he is currently registered, and more than a year in the previous few years (5). The borrower must obtain the following documents:

• passport;
• certificate 2-NDFL, which contains data for six months;
• papers characterizing the borrower's income according to the form of the employer company (if there is no 2-NDFL);
• certificate of the amount of pension payment for six months (for a pensioner);
• papers explaining the client’s employment.

Scheme on how to use credit funds up to 50 days free of charge

The latter can be any document: a work book, a contract with an enterprise (certified by seals), an individual entrepreneur certificate certified by a notary and other certificates explaining the type of occupation (lawyer certificate, license, etc.).

The stages of issuing a card product are as follows:

1. Visit the branch.
2. Fill out an application.
3. Submit copies of all required papers.
4. Get permission (in 2 days) or refusal.
5. Sign the contract.
6. Get plastic.

Privileges of the Visa Gold credit card

Features of using plastic with privileges

The Sberbank Visa Gold credit card, the advantages and disadvantages of which are quite clear if you study the tariffs and repayment terms, provides additional opportunities:

• The borrower can enjoy the privileges and discounts that the Visa system provides for all its clients.
• Using remote resources to receive advice, solve problems, and conduct operations (Contact Center, remote service, Mobile Banking).
• If the product is lost abroad, the opportunity to receive cash in a short time.
• Payment for housing and communal services, mobile communications, etc. (Autopayment service).
• Connecting a secure system for working remotely (Verified by Visa).
• Payment via ATMs, self-service devices, Internet in the Russian Federation and abroad.
• Several options for replenishing the card, incl. transfer from others.
• The ability to link plastic to online payment systems (Yandex Money).

Figuring out how to use a gold credit card is quite simple. The client will need to present it when paying at retail outlets, enter details for online transactions, or use SecureCode to use secure payments.

Credit terms for card products

To control their transactions, limit, balance of funds and receive other information on the product, the borrower has the right to use any bank services:

• if you subscribe, a report will be sent to your online email address every month;
• if you connect Mobile Banking, messages are sent to the phone number that notify the client about the nature and amount of the transaction that occurred (more about);
• if you receive a password and identifier (login), you can generate a report in Sberbank Online at any time for the period of interest;
• You can contact a Contact Center specialist (more details in the article -), who will provide any information. You will need to provide the card number and possibly the secret code or its details.

How to use a gold credit card? (video)

Presentation of proposals for Gold credit cards at Sberbank.

Conclusion

Most of the benefits of owning a Gold Card can only be experienced abroad. For plastic card holders, huge discounts are provided in stores, the opportunity to book hotel rooms, and receive medical care under insurance from a payment system partner company.

Visa Gold is a gold credit or debit card that can emphasize the status of its holder and provides ample opportunities for those who regularly travel outside of Russia.

Advantages of Visa Gold of Sberbank of Russia:

1) The ability to hold and use funds in any currency in the world.

2) The ability to withdraw money and make any other transactions with the card both in Russia and abroad.

3) No overdraft limits. This means that at any time you can withdraw money in any amount.

4) No need to make a down payment to the card account.

5) Free service in case of need for the next or early re-issuance of a card, suspension of its validity, etc.

6) Possibility of free account processing in case it is necessary to urgently issue funds to a holder currently located abroad in case of loss of the pin code or the card itself. In the case of other types of cards, you will have to pay several thousand rubles for emergency issuance.

7) No fees for providing a report on a Sberbank gold card account.

8) Promptness of crediting funds to the account. The average enrollment time is 1-3 hours, the maximum is 1 day.

9) Availability of additional opportunities for the holder of a Sberbank gold card:

- " ". The service allows you to receive reports on transactions on the card and manage your account, including performing expense transactions using your mobile phone.

The service makes it possible to pay for services and goods, transfer or deposit funds via the Internet.

Payment for goods and services via the Internet in a secure mode (using one-time codes sent to the cardholder).

Auto payment. With its help, you can automatically pay for mobile services using a Sberbank gold card. The frequency and volume of payments can be configured.

10) Opportunity to get a discount at Sberbank partner companies. At the moment you can use special programs:

At Hertz, a car rental company. More detailed information about the size of the discount can be found on the company’s official website.

In thousands of companies and stores in 33 countries. The holder of a Sberbank gold card automatically becomes a member of the Countdown program. Membership without a gold card costs $14.

A Sberbank Visa Gold card can be obtained at any bank branch at the place of permanent registration. You can apply for a card if you have reached the age of 18. Issuance of a card on an individual basis is also possible for those who do not have permanent registration in the Russian Federation. The decision on extradition is made by the head of the local unit.

In order to apply for a Sberbank gold card, you just need to come to the bank’s office in person, taking your passport with you, fill out a form and write an application. The cost of Visa Gold service is 3,000 rubles per year. For each additional card you will have to pay 2,500 rubles per year.