Savings Bank maintains its leadership position in Russian market financial services in 2016. The basis for the stability of such an honorary status is not only trust in him, as an economic entity with state support, but also the most comprehensive list of services for both legal entities and individuals.

Moreover, the configuration options for certain options in the interests of a particular client can create a service package that is actually unique for each user. In order to get the most favorable terms of service, it is important before contacting the bank to clearly understand the purpose, deadlines and tasks that determine the choice of banking services.

Sberbank cards

Payment cards are the most demanded product of the financial sector. The presence of such a card allows the client:

1. Make payments in electronic form without visiting the bank office, without wasting time.
2. The bonus period allows you to use the funds without charging a commission if it is used correctly. It is also possible for the period indicated by the conditions to determine how this product meets your needs without losing personal funds.
3. When choosing certain options, you can get significant bonuses that make cash payments more profitable. When issuing a card, a bank employee will list all the benefits and risks associated with opening a card account.

This is only a part of the advantages of customers in cash settlements using bank payment cards. There are several types of cards, the features of which it is desirable to know in order to choose the most profitable program for yourself to ensure financial settlements.

Types of bank cards

Depending on the nature of transactions and the type of funds, cards can be divided into groups:

• Debit. These cards are used for the use of own funds. This can be cash deposited to the card account, income from payroll, social payments(pensions, scholarships, allowances). You can use them in the amount of receipts to the card account, if the funds are over, the calculations will become impossible. For the remainder own funds Bank interest may be charged. With prolonged use, a debit card gives advantages to bank customers for opening credit limits.
• Credit. Funds from these cards can be used in the amount of the open limit. The limit may have restrictions on cash withdrawals or settlements per day, month within the range of a particular loan. A credit card is convenient as an airbag when traveling abroad, for paying for major purchases. Such a card is also being opened to cover current liabilities.
• Electronic. Designed for implementation financial transactions and electronic payments.

How to get a Sberbank card

Since there are a large number of offers from the bank to open different options for card services, it will be most convenient to consult a bank specialist about the most advantageous option for a private person. Or use the available electronic product selection services. The main thing for yourself is to preliminarily determine the tasks that the map should solve. Having an identity card in hand, you will need to contact the bank branch and write an application for issuing a card.

Depending on the type of card and the conditions for opening an account, you will need to provide certain documents. The term for issuing the card also depends on the specific product, it can be opened instantly, or after a certain amount of time required to verify personal data and produce a personalized card.

Classification and service features

Cards are divided not only by type, but also depending on the status of customer service.

• golden card. A wide range of privileges opens up for holders of this card: a large list of services, for example, a 24-hour concierge service, international travel insurance with a high limit of insurance coverage and a wide list of insurance risks, premium class service, trade brand discounts, the possibility of profitable room reservations in world hotel chains and much more. The card can be opened for settlements in any currency for a period of 3 years or more. Price annual service- from 3 thousand rubles.
• Platinum Card. In addition to the advantages of a gold card, it provides much greater opportunities for obtaining discounts and bonuses when using it in different payment systems. This type of card advantageously allows you to withdraw cash both in Russia and outside the state in the bank's subsidiaries. Annual maintenance of the card - 4.9 thousand rubles.
• Premium card. The card gives a large number of bonuses and discounts. For example, it provides benefits when booking airline tickets. An excellent option for customers using the Sberbank Premier package, since in this case you do not have to pay for its annual content, which is 4.9 thousand rubles.
• classic map. A popular set of card services at a low price for annual service (900 rubles in the first year after opening and 600 in subsequent ones) makes this card traditional for a large number of customers. It is used in different payment systems - Visa, Master Card. Visa Classic, Maestro cards have Pay Pass service. Widely used for regular payments, settlements for transport services. It can be opened in ruble equivalent in other popular currency units.
• PRO100. The budget card is used for instant payments for the use of services and for the purchase of goods. Opened in rubles for up to 3 years. The cost of annual maintenance is 300 rubles.
• momentum. For the convenience of settlements in Visa payment systems, for settlements through electronic services and for non-cash payments in a wide range of payments, this option will be beneficial. Debit card, no annual payment. The very name of the card speaks for itself. If you need to make simple payments, quickly and without additional costs, then this option will be the most acceptable.
• Virtual card used for payments with electronic money (Yandex money, Qiwi and other wallets) Maintenance fee is 60 rubles per year.

Social cards

Sberbank offers preferential terms of service for various social categories of the population, who usually have a low level of income and need social support.

• Social. Transferred to this card pension accruals. The operation takes a minimum of time and does not require a personal presence in the bank of the pensioner. There is a quarterly charge on the balance of funds on the card in the amount of 3.5% per annum. Beyond storage pension contributions, you can make current payments from the card, there is a system of auto payments for utilities, connection. This feature is very convenient for the elderly, saving them from visiting government organizations and having to stand in lines.
• Salary. A convenient form of accrual by the employer of funds to the employee's account. Annual service for the card and interest payments are most often charged from the organization that makes the accruals. Owners salary cards, participants salary project have advantages when opening credit cards, and also have the right to a reduced rate for the use of credit funds. More comfortable conditions have been created for them mortgage lending, shortened lists required documents for credit products.
• Youth. Social card for clients older than 14, 18, but not exceeding the age of 25 years. For adults, it is possible to open a savings account, in this case, an accrual of 1.5% per annum on the balance is provided. The cost of maintenance is 150 rubles per year. The card can be used for electronic payments, purchases of goods and payment for a wide range of services.
• Children's card can be opened from 7 years and older, with a link to a parent card and a payment control function. Very comfortable for financial support a child in the event of his independent trip, including abroad, on educational programs. Eliminates the possibility of losing cash and allows parents to control the level of expenses and the purpose of payments.

Requirements for opening a social card

The social card is designed to support the population, provide equal opportunities for different categories to exercise their right to be an active participant in economic interactions. Therefore, it is legitimate to introduce separate restrictions for service users. To open a bank account for linking to a social card, you must meet a number of conditions:

1. Have Russian citizenship and the right to receive pension benefits or social benefits.
2. Be over the age of 18. The main card can be opened for an adult person.
3. An additional card can be opened for a child over 7 years old.
4. The cardholder must be registered in the Russian territory. Or a mark of temporary residence.

In addition to the social card:

• You can issue an additional card for a relative. In this case, regardless of the status of the card, an annual maintenance fee will be required.
• It is allowed to reissue the card in case of its loss, when changing personal data, password, PIN code.
• It is possible to receive a report on the movement of funds for card account, subject to a request for a service in a written, electronic form.

Replenishment of Sberbank cards

Card replenishment is possible in different ways:

1. Cashless way. Transfer can be made from the account of another person, through online services, through mobile services. Replenishment is possible from electronic wallets.
2. Depositing cash through terminals, cash desks of Sberbank. In the service sector of Sberbank, constant service is provided by the duty officer in the client area. Operators or those on duty in the hall will always help you figure out options for convenient translation.

Annual maintenance cost

Sberbank not only provides a wide variety of different options for customer service through cards, but also very loyally determines the price for annual maintenance. The cost directly depends on the type of card and other characteristics. Therefore, before making a choice of a product, when concluding a contract for opening and maintaining, it is important to clarify what the cost of their annual maintenance will result in. Here are the most popular options for Sberbank cards:

• Premium class cards - from 4.9 to 10 thousand rubles.
• MasterCard Gold and Visa Gold- 3 thousand rubles.
• Classic card - from 750 rubles.
• Visa Electron - 300 rubles.
• Youth - 150 rubles
• Maestro social - free.

Sberbank's banking products are targeted at different categories of customers. They are distinguished by flexibility in the system of payment for annual maintenance and a variety of services available to the client. Thanks to the abundance of programs, each potential user of banking products will find best option for convenient use.

Video: Sberbank about bank cards

It is thanks to the client-oriented approach that Sberbank products remain at the forefront in the financial services sector. It is also important that the bank's offices are represented everywhere, they are obligatory in all shopping centers of large cities, and in the most remote regions of Russia, and are most fully represented abroad.

Another important distinguishing feature of Sberbank is its focus on the less protected segments of the population. You can use the terms of payment through payment terminals using free social cards.

Types, percentages, and cost of service in 2018

When you get a job, you get a separate card, which is charged wages. It is not uncommon for an employee to start a separate salary card himself, the number of which is entered by the accountant into the accrual system, after which every month there is an accrual to this card.

Each holder of a Sberbank plastic card can open an additional card linked to his account, issue it to his child, who is from 7 to 14 years old. The child will access a certain amount of money from the parent's debit or credit card. At the age of 14, a child can open a personal, independent account.

Unforeseen circumstances happen when a Sberbank client thinks about how to restore a card of a given financial institution. It is impossible to delay in case of loss or theft of a plastic carrier of funds, since the consequences can be catastrophic, fraudsters may not be authorized to gain access to the account and use the finances on it. What should the owner of the card do if he notices that it is missing?

Prepaid gift card Visa of Sberbank- a bank card for those who want to give a useful banking tool for managing finances.

While vacationing in the Crimea, tourists from other regions and republics of Russia may be faced with the need to withdraw additional cash from a Sberbank card. Where in Crimea is it most profitable to withdraw money from Sberbank bank card?

PRO100 card Standard "Personal" is electronic card from Sberbank, which will allow you to manage your account remotely and make cashless payments for goods and services.

Sberbank plastic cards are designed to store personal savings, and, if you think logically, it cannot go negative, because if there is a shortage of money in the account, the system will reject any write-off operation. But, Sberbank customers still face such a problem as a negative balance on the card. The reason for this may be a technical failure in the bank's system, or the fault lies with the cardholder. Why did the balance on the card become negative, what can be done about it?

Attractive debit virtual cards Visa and MasterCard without a physical carrier from Sberbank will be an excellent solution for secure payment for goods and services on the Internet, including in conjunction with popular electronic wallet payment systems.

Card activation is required to use it. All Sberbank cards upon receipt by their clients are blocked. This is necessary so that no one except the cardholder can use it, withdraw money. How to unlock a card?

The MIR card from Sberbank is a debit card for receiving a pension and new opportunities for an active life.

Today it is difficult to meet a person who has never used a credit card. Many choose credit cards Sberbank, as they receive many bonuses, privileges, more low interest compared to other financial institutions. You need to know the mandatory payment and make it in a timely manner, because, as in any loan, the minimum amount needed on time.

A debit card for young clients of Sberbank is 5 times cheaper than classic cards with a huge number of free services.

Many Sberbank customers have credit cards. Credit card holders often have a question: is it possible to increase the credit card limit, if so, how to do it? If there is not enough money on the card, you can get an additional credit amount.

Visa Classic debit cards with custom design

Banking debit cards Visa Classic with individual design is a reflection of your personality.

The peculiarity of the Sberbank credit card is that it provides the opportunity to use funds for 50 days without interest. The card is beneficial if you need money urgently for a short period, but they are not available.

The classic international MasterCard Standard "Contactless" card from Sberbank is a debit card with the ability to contactless payment goods and services.

Aeroflot Visa Gold, Classic and Signature cards– a credit card that allows you to earn Aeroflot Bonus miles and exchange them for award tickets of Aeroflot airlines or SkyTeam alliance companies, as well as a convenient opportunity to make purchases all over the world, where bank cards are accepted for payment.

Aeroflot debit cards Visa Gold, Visa Classic and Visa Signature is your unique opportunity to earn and exchange your accumulated Aeroflot Bonus miles for an award ticket of Aeroflot or SkyTeam alliance airlines.

Visa Gold and Classic cards Podari Zhizn is a credit card created by Sberbank together with the Podari Zhizn charity foundation.

Debit cards Visa Platinum "Podari Zhizn" PayWave

Debit cards Visa Platinum Podari Zhizn PayWave are universal debit cards with the possibility of contactless payment. Visa PayWave is simple, fast and secure. By paying with these cards, you donate part of the funds for the treatment of children with cancer. Each of your purchases is a real help to sick children!

MasterCard Standard card is a credit card with an optimal set of banking services and an attractive service cost. This is a convenient opportunity to make purchases all over the world, where bank cards are accepted for payment.

Preferred debit gold cards from Sberbank MIR and MasterCard are a great opportunity to enjoy high level services and favorable discounts.

Youth MasterCard cards are cards with attractive conditions designed specifically for the needs of Sberbank's young clients.

Podari Zhizn debit cards Visa Classic, Visa Gold, Visa Platinum

"Give Life" Visa Classic and Visa Gold and Visa Platinum are universal debit cards with discounts and special offers from the Visa payment system. By paying with these cards, you donate part of the funds for the treatment of children with cancer. Each of your purchases is a real help to sick children!

Instant credit cards Visa and MasterCard «Momentum»

Visa and MasterCard Momentum instant issuance credit card is a universal credit card with free annual service for Sberbank customers. Issued only if there is a personal offer of a credit card on special conditions with a predetermined limit.

Visa Platinum Card is a preferred universal debit card with many discounts, high level of service in Russia and other countries.

Credit card Visa and MasterCard Gold - a premium bank card with a wide range of additional services, special offers and favorable terms of service.

Instant issuance cards "Momentum" Visa, MasterCard and MIR

"Momentum" Visa, MasterCard and MIR are instant issuance cards with free service. You can open them at the nearest branch of Sberbank in just 10 minutes.

Open a business card at Sberbank and enjoy all the privileges of the service for legal entities and individual entrepreneurs.

Sberbank Premier premium debit cards for successful people -Visa Platinum Premier and World MasterCard Black Edition Premier (up to 5 pieces in a premium package).

To date, there are different kinds Sberbank cards. The wide variety of the offered product often complicates the choice for customers, because in order to make a decision on issuing a particular card, it is necessary to understand the service tariffs and the range of opportunities for each of them.

Page content

Sberbank is rightfully the leader in the plastic card market. To date largest bank Russia offers its customers about 40 types of plastic cards for all occasions.

Sberbank plastic cards are debit, credit and partner.

• maintenance cost - 150 rubles per year;
• issued to persons under 25 or under 30 years of age;
• the service cost includes the function of replenishment of the account mobile phone, by sending one SMS;
• the cost of the service includes the possibility of making transfers knowing only the recipient's phone number;
• the opportunity to participate in various promotions and programs.

Social card issued to persons who have reached retirement age, and allows you to accrue increased interest on the balance of funds:

• 3.5% per annum on the balance of funds on the card;
• participation in promotions and the opportunity to receive various discounts and offers from Sberbank partners;
• the possibility of withdrawing funds from subsidiary banks abroad on the same terms as in Russia.

Momentum instant issuance card differs in that it can be issued at any branch of Sberbank in 10 minutes. It has a reduced range of possibilities, since it does not have the name of the cardholder and is valid only on the territory of Russia:

• service cost - free of charge;
• registration time - instantly;

issued as an additional card to the parent and can be issued for children aged 7 years and over.

• maintenance cost - depends on the type of parent's card;
• child can use in cash parents within the established limit;
• all operations are controlled by parents through SMS messages received from the bank.

offered to clients who want to be different:

• you can choose any card design (with the exception of those prohibited by law);
• the cost of individual design - 500 rubles;
• the possibility of issuing additional cards;
• participation in promotions and the opportunity to receive various discounts and offers from Sberbank partners.

does not have a physical medium and is intended solely for paying for purchases on the Internet by specifying details when making a transaction:

• maintenance cost - 60 rubles per year;
• the ability to link to electronic wallets.

has the most optimal range of possibilities:

• maintenance cost from 0 to 750 rubles per year;
• currency - only rubles;
• grace period - up to 50 days.

provides access to premium terms of service:

• maintenance cost - from 0 to 3000 rubles per year;
• credit limit - up to 600 thousand rubles;
• currency - only rubles;
• interest rate for a loan is from 25.9% to 33.9% per annum;
• grace period - up to 50 days.

issued to young clients of Sberbank aged 21 to 30 for more than favorable conditions than other bank credit cards:

• maintenance cost - 750 rubles per year;
• credit limit - up to 200 thousand rubles;
• interest rate - 33.9%:
• term for consideration of an application for a credit card - 2 days;
• grace period - up to 50 days;
• opportunity to participate in various bonus programs, receive discounts and special offers.

Aeroflot. These cards come in both debit and credit cards.

created for people who want to participate in a charity program to help children with cancer:

• payment system - only Visa;
• annual service fee: Classic debit card - 1000 rubles; Gold debit card - 4000 rubles, Classic credit card - from 0 to 900 rubles, Gold credit card - from 0 to 3.5 thousand rubles;
• Sberbank at its own expense transfers 0.3% of the amount of your purchases to the charity fund, as well as 50% of the cost of servicing the card for the first year;
• 0.3% of the amount of each purchase is debited from your account in favor of a charitable foundation;
• interest rate on the loan - from 25.9% to 33.9% per annum;
• credit limit - up to 600 thousand rubles.

created specifically for those customers who, and allows you to accumulate bonus "miles" and pay for air tickets with them:

• when issuing a card, welcome miles are credited: 500 miles for the Classic card and 1000 miles for the Gold card;
• when paying for purchases by card, for every 50 rubles spent, from 1 to 1.5 miles are credited;
• annual service fee: Classic debit or credit card - 900 rubles per year, Gold debit or credit card - 3500 rubles;
• For Aeroflot Gold plastic cards, contactless payment technology is available using the Visa PayWave system.

So, there are different types of Sberbank cards. The choice of a card for each client will be determined by a certain range of criteria: production time, service rates, terms of issuance, availability of certain privileges and programs. A plastic card should be chosen based on your preferences, financial capabilities and social status. In any case, today Sberbank of Russia offers about 40 types various cards, from which even the most demanding customer will be able to choose the product they like.

Our service is ready to analyze current offers and select a bank with the lowest percentage.

Pick up

Wait, we're picking Best offer: 17.0% credit.

We have selected several advantageous offers from banks with 12.0% per annum on the loan.
The form to fill out is below.

This article will consider such Sberbank cards as Visa, MasterCard, MIR. Each card has its own features, limits and maintenance costs, which will help you choose the right type depending on the features you need.

The main types of cards and their distinctive features

Since Sberbank provides a wide range of cards that have their own characteristics and terms of service, cards are divided into two types: debit (the client uses only personal money) and credit (borrowed money is used). They differ from each other not only in purpose and characteristics, but also in the cost of maintenance. In addition, debit and credit cards are also separated by type of service. To date, Sberbank cards are serviced by the following systems: Visa and MasterCard.

Sberbank card classifications and service costs

1. Simple or entry-level cards or. Issued in 10 minutes at a bank branch and does not require a service fee. This type of bank cards is designed for minors, students and pensioners. Momentum Cards designed for remote self-service, money management, as well as for transfers and cashless payments. Such cards have a number of restrictions when used outside the state or in the online space.
2. Virtual or online cards from Visa and MasterCard. This type of card is distinguished by the absence of a physical carrier (the plastic card itself), but there are details for payments. Such cards can be linked to electronic wallets. They are designed for secure payments in online stores and trading platforms.

   

3. , which are issued in a package of services, are intended for schoolchildren and students. There are three types of cards: 0+ (deposits for children), 14+ (for schoolchildren), 18 and 21+, student. The peculiarity of these cards is the accrual of bonuses for purchases.

   

4. . Cards of the international and national payment systems are intended for receiving pensions and are serviced free of charge.
   

   

5. . They have an attractive cost of service, are reliable, and allow access to all banking services. Cards of this type are used for non-cash payments in real and virtual spaces, various payments, account management through the Personal Account system.

   

6. , MasterCard. This type of plastic cards emphasize the status and provide an opportunity to enjoy additional privileges. Partner companies provide discounts to gold level cardholders, which can be used when booking hotels, shopping centers, airports, etc.
   

   

7. . These cards are distinguished by increased accrual of bonuses. When paying with Premium class cards, we return up to 10% of the price of the goods to the holder in the form of “Thank you” bonuses. As well as on the Golden Card, "Map with big bonuses» provides additional discounts for the program, as well as privileges when booking tickets for various events under the program.

   

8. . When paying for goods using this bank card, 0.3% of the cost is transferred to the Gift of Life fund.
   

   

9. Aeroflot card. You can also spend them on flights.

   

More detailed information on Sberbank cards, types and costs of service in 2019 can be found at.

What types of cards are selected for payroll?

Credit card limits

• Classic: 750 rubles. or 25 euros / dollars per year (second and subsequent years - 450);
• Classic with contactless technology: 900 rubles. or 30 euros / dollars per year (second and subsequent years - 600);
• Youth: 150 rubles. in year;
• Gold: 3 thousand rubles. in year;
• Premium: if registered before October 10, 2019 - 2,400 rubles for the first year,
  4,900 rubles for the second and subsequent years;
• Aeroflot: 900 rubles. and 3.5 thousand per year, depending on the type of card;
• "Give Life": 1000 rubles in the 1st year of service and 450 rubles for each subsequent year or 4000 rubles and 3000 rubles, respectively, depending on the type of card.

The cost of service is provided for informational purposes. The price may vary and depend on many aspects: the type of card, the characteristics of the client, cooperation with the institution, etc.

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 such as " Mobile bank", are paid separately. Also, transfers to accounts in other financial institutions, cash withdrawals over the established limit and other operations.

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 total 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 different types, for each of which an individual amount of annual service is set. 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 payment system WORLD;
• "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 service 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.