Sberbank cards: types, service. Types and cost of servicing Sberbank cards

The topic of this article is the annual maintenance of a Sberbank card. In it, we will describe in detail what it is, how to determine the amount of payment, what it depends on, where it is registered, when and how money is debited, and much more.

Annual maintenance of a bank card is a fixed amount that is debited from the client's account once a year for the provision of bank services and various operations. That is, this is the cost of opening and maintaining an account with Sberbank and issuing a plastic carrier to it. The amount of annual service is determined by the tariff for a particular card and is prescribed in the tariffs, however, there are some general nuances.

Learn more about annual maintenance

As mentioned above, usually the annual maintenance of the account and the plastic carrier attached to it includes only services for the maintenance and implementation of various operations.

Additional options, for example, "Mobile Bank", are paid separately. Also, transfers to accounts in other financial institutions, cash withdrawals over the established limit and other operations are charged separately.

This payment is deducted once a year: first upon receipt of the card, and then every 12 months. Funds are withdrawn from the account without notifying the client and regardless of the amount on it. If there is not enough money, then the balance becomes negative, and the funds from the first replenishment will go to pay off this debt.

What determines the amount of payment

The cost of annual maintenance is determined by the following factors:

• type of card (debit, credit or salary);
• account status (standard, classic, gold, etc.);
• type of banking product;
• the status of the client;
• current promotions, etc.

IMPORTANT. Please read the service information and rates carefully. In some cases, the amount of payment may be different in the first and subsequent years. Also, some types of credit cards have personal offers for customers with a good credit history, which also changes the final amount of write-offs.

Where to see information

You can find out how much the annual maintenance of a Sberbank MasterCard, Visa or Maestro card costs on the official website. For this:

You can also view information on the cost of servicing at http||www.sberbank.ru/ru/person/bank_cards/tarif. Select a card type and open a PDF document. You can also quickly get information on a specific banking product from bank managers in offices or by phone.

Some Sberbank tariffs for servicing accounts

Sberbank offers a large number of cards of different types, each of which has an individual annual service amount. Below we give the values ​​for some of the most popular offers:

• instant issue cards "Momentum" (Momentum) are serviced free of charge, as well as pension plastic carriers working with the MIR payment system;
• "Youth" debit card for young people aged 14 to 25 - 150 rubles / year;
• the average cost of annual maintenance for debit classic and standard cards is 750 rubles for the first year and 450 rubles for subsequent years (including for plastic media of this type with an individual design);
• annual maintenance of cards with additional features (for example, "Troika", "Give Life") is 900-100 rubles;
• for maintaining accounts of debit gold cards, 3,000 rubles are debited for 1 year;
• the cost of maintenance per year for credit cards starts at 0 rubles (for instant-issuance plastic media) and ends at 12,000 rubles for premium and platinum offers;
• the average amount of payment for the maintenance of credit accounts is 1000-3000 rubles per year.

NOTE. The information provided is general and relevant at the time of writing. Tariffs can be changed by the bank at any time, therefore, before choosing and ordering a card, it is recommended to additionally familiarize yourself with the conditions in any of the above ways.

Payroll cards

Separate conditions for annual service at Sberbank apply to payroll cards. Usually their release is initiated by the employer or educational institution, the costs of maintaining accounts are paid by him. Detailed information can be clarified at the bank or directly at the organization ordering the production of such cards.

Also, the client can keep a specific account for himself and continue maintaining it with the bank even after changing his place of work or study. However, in this case, all service costs will already be paid by the citizen himself in accordance with the existing tariffs of the bank. In this case, it is necessary to find out how much it will cost to service a Sberbank card per year on an individual basis.

NOTE. The Bank has the right to change tariffs and the cost of annual maintenance. Information about this must be posted on the official website, but individual information to customers may not be carried out.

Sberbank is today a leader in the banking sector, and therefore its line of plastic products is very wide. Consider what Sberbank cards exist: types and cost of service.

First of all, all products are divided into two large subgroups: credit and debit cards of Sberbank, the types and cost of services within the categories for them naturally differ. Card types are determined according to their class and payment system. Sberbank has two of them: Master Card and Visa. Maestro, who serves the simplest cards, also belongs to the first.

Sberbank cards types and cost of service

As for the species, they differ in prestige and participation in a number of projects and are represented by both systems:

• The simplest products: Momentum. Based on the name, it is clear that their advantage is the speed of registration. The initials of the holder are not marked on the plastic, and therefore it is issued directly upon contact. Have restrictions regarding use on the Internet and abroad.

• Virtual: operate mainly on the Internet. Capable of connecting to all known electronic wallets.

• Youth: a simplified version of the card with a minimum cost for youth from 14 and from 18 years old. Restriction up to 27 years.

• Social . Designed primarily for the transfer of pension contributions. They have a high percentage for the accumulation of the balance - 3.5%.

• Classic: the best option. They provide a package of opportunities similar to premium cards. Used in retail outlets and transactions through ATMs, online services.

• Classic contactless: the difference is the presence of a chip that does not require the transfer of the card to other hands. All operations can be carried out by attaching plastic to the corresponding device yourself.

• Gold: increase the prestige of the holder. The difference from the classical ones is the ability to use the privileges of payment systems abroad in the form of promotions and discounts from partner companies (shops, salons, hotels, restaurants, airports).

• Premium: Visa Premier. Provides a larger amount of bonuses for purchases, allowing you to receive discounts when paying for tickets at airports, hotels. A high quality mobile application is used.

• Give Life: Visa. Allow to show a civil position, participating in the help to sick children.

• Aeroflot: Visa Classic and Gold. For spending from the card, special "miles" are awarded, which can be used to purchase tickets and upgrade the class of service.

Sberbank payroll cards

If the employer draws up Sberbank salary cards, the types and cost of services depend on the option chosen by the employee. Today it is permissible to issue Classic, Golden, Give Life and Aeroflot for this purpose.

Credit card limits

Credit cards also have their own classification, while the amount of possible borrowed funds differs, but not additional privileges similar to debit ones:

• Momentum: up to 120 thousand rubles;
• Classic: up to 600 thousand rubles;
• Gold: up to 600 thousand rubles;
• Youth: from 15 thousand rubles;
• Give life visa, Aeroflot: up to 600 thousand rubles.

The criterion is assigned by employees at the time of registration. That is, each client is assigned its own limit. If the return of borrowed resources is made within 50 days, no interest will be charged.

For many, plastic cards have already become a familiar and convenient tool for making purchases, receiving salaries or pensions. And any bank has a whole line of cards for different needs. Sberbank is a financial institution that traditionally inspires the greatest confidence among the population, it is no exception. The types and cost of servicing Sberbank cards will be discussed further.

Plastic cards - what are they

The client of the bank can use his own funds or borrowed. Depending on this, there are two types of cards:

• credit;
• debit.

The issued plastic card can be either a personalized one, which can only be used by the person to whom it is issued, or a card without personalization. It is believed that the latter has a lower degree of protection and many functions are not available when using it. However, such a card is much faster and easier to obtain.

Sberbank also has a division of cards, both credit and non-borrowed, into the following categories:

• standard;
• premium class (Gold or Platinum);
• cards, the owner of which is automatically a member of one of the partner companies;
• youth cards;
• social cards (only in the form of debit cards).

Each of these types of cards will be discussed in more detail below.

Credit cards from Sberbank

Those who wish to use the credit products of the main bank of the country, but do not receive the entire amount at once, but use it as the need arises, can get a credit card. To do this, you must submit a number of documents, including a certificate of employment. How much it costs to service a Sberbank card, as well as the functions and limitations of the issued plastic, depends on the type of card.

Credit cards in Sberbank are:

1. Standard, they are classic. This is the most common type of credit plastic, which makes it possible to pay for purchases both online and in regular stores. Also, the holders of such cards have the right to participate in a bonus program that gives rewards for using the card in the form of bonus points. They can be used later on other purchases. The cost of servicing a Sberbank card in a standard service package is 750 rubles for each year.
2. Premium cards, the so-called "Golden". In their functions, they are similar to standard plastic, but give their owners additional benefits. This includes faster service, 24/7 support, and higher limits on daily transactions with your finances. In addition, such a card maintains the prestige of its owner. But the annual service on such a card will be much more expensive - 3 thousand annually.
3. Cards without personification, the so-called Momentum. The credit version of such cards is issued only to those individuals who are already customers of Sberbank. Momentum cards are distinguished by lower limits on the provided borrowed funds (120 thousand, unlike the standard 600), but at the same time, the interest for using these funds is lower. In addition, these are Sberbank cards without annual maintenance, which gives some savings.
4. Youth cards designed for students and young people under the age of 30. This is a card with reduced functionality, however, it can also be obtained by a non-working student who receives only a scholarship. Service fees are, like a regular card, 750 rubles.
5. Maps with affiliate programs. Sberbank presents 2 options for affiliate programs:

• charitable, in which part of the deductions goes to the fund to help children suffering from serious illnesses;
• accumulative program jointly with Aeroflot, where the participant is credited with gift flight miles for each purchase.

These cards can also be either Classic or Premium. Their service is slightly higher than similar cards without affiliate programs. How much Sberbank charges for servicing this type of card can be viewed on the bank's website.

A credit card without annual service at Sberbank can be obtained in the following ways:

• Momentum cards, which can only be obtained by those who receive salaries through Sberbank, or repay a loan at the same bank.
• Ordinary credit cards for which the bank provides special conditions. That is, it can be a personal offer from the bank, within which the first year of service will be free. Again, only verified customers can receive such an offer.

For those who do not want to get into loans

Those bank customers who prefer to use only their own funds are provided with the following types of cards:

1. Premium platinum. These are cards with the most comfortable package of services, primarily convenient for frequent travelers. The holder of such a card not only has round-the-clock access to service, but also receives a personal manager, as well as assistance in booking hotels, planes and tickets for various events. True, the package of such services is quite expensive - 10 thousand annually.
2. Premium gold. A complete analogue of gold credit cards from Sberbank, including fees for use - every year you will need to pay 3,000 rubles. It is also possible to get more expensive Gold cards with participation in partnership programs of Aeroflot and a charitable foundation.
3. Classic Visa or MasterCard. They differ from credit only in that borrowed funds are not provided here. The cost of servicing a Sberbank Visa card is also 750 rubles.
4. Youth plastic in the debit version is cheaper - only 150 rubles. In addition, there is a higher percentage of return of funds in the bonus program.
5. Social - for pensioners. They are distinguished by the absence of an annual fee for use, as well as a higher percentage of the amounts that the cardholder does not use, leaving it on a bank account.

Until recently, Sberbank also made it possible to open Momentum debit cards, which did not require annual payment. However, these cards have been discontinued in recent months. Representatives of the company promise that a new free card will be issued soon, but what are the conditions for obtaining and using it is still unknown.

In addition to the listed cards, there is also a salary type of plastic included in debit cards. Tariffs for salary cards can be found on the bank's website, they are of greater interest to organizations, since their employer pays.

The largest bank offers its customers various cards on different terms. The quality of the product itself is confirmed. Plastic are resistant to mechanical and thermal stress.

The cardholder, regardless of what category it is, has the following benefits:

1. You will receive your card within three days of submitting your application, or in some cases on the same day.
2. A very convenient special way to control and use your money, without having to go to the bank.
3. Any plastic type of service has a grace period when you can learn more and understand whether such a service suits you or not.
4. The bonus accumulative system allows you to pay for your favorite services cheaper.

Types of cards from Sberbank:

• Debit option. Designed for personal use. You can credit the amounts both independently for storage, and receive social benefits, such as wages, benefits, etc. There is the possibility of constant replenishment of the account and payment by card. Access to payment for services is closed when there are no funds on the account.
• Credit. Used to open a credit limit. If there is a need to urgently pay for some service or product, you can do this with the help of funds borrowed from the bank.
• Electronic. They allow you to pay for goods and services on the Internet, as well as open access to various government services.

Visa Classic

Standard issue card. Those wishing to get a loan option should know that the annual percentage will be 18.9%. Credit limits - up to 600 thousand rubles.

Debit

Instant banking

The service is called Momentum. You can get it in a few minutes at the bank. The fact is that they are not registered, therefore, it makes no sense to wait for a long period of time. A passport and a certificate in the form of a certificate of income will be enough to get it. The only currency used is the ruble. Use is also possible abroad, where there are bank branches.

Social and youth

A good banking system, created by Sberbank, makes such an offer to customers: cards for all sectors of society, including young people. So, students can receive up to 200 thousand rubles, at an interest rate of up to 25.9%. The cost of maintenance is 750 rubles per year. Parents can purchase these cards for their children if they are over the age of 7. A convenient solution instead of pocket money.

Payroll or social allow a person to receive money on their social account, and withdraw cash. Maintenance per year costs very little money, more often it is paid for by the organization that makes the transfers. Holders of such cards can purchase credit on favorable terms.

Sberbank cards types and cost of service 2016

The financial institution offers many different cards that can be purchased. The main thing is the relevance and suitable conditions for customers. And experts will always be able to choose the best option.

Customer Service: Condition

In order to get a card, you need to contact the bank and write an application. You will immediately receive an answer whether the bank can serve you. If the answer is yes, then you need to wait 3 business days, then come to your bank branch and get a card.

How much will the maintenance cost per year

Before signing an agreement with a bank, find out how much this service will cost. It all depends on the type of service you choose.

How much will debit cards cost:

• The classic version - costs 750 rubles for the first year, after 450 rubles every year. This includes: MasterCard Standard and Visa Classic.
• 3 thousand rubles a year will cost MasterCard Gold and Visa Gold.
• Premium cards - 10 thousand rubles annually.
• Debit youth - 150 rubles per year.
• Social Maestro is free.
• Virtual versions - 60 rubles.
• Visa Electron will cost 300 rubles. in year.

The cost - it all depends on how long your bank account has been open. After all, holders of social and salary types will always be given discounts. You can find out the cost of your credit card at the bank branches, or on the official website.

Credit card in dollars and euros: will the bank offer

Unfortunately, customers cannot take out a loan in foreign currency, since the bank's policy implies that since 2014, a loan can only be taken in rubles.

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