Visa Gold - features and capabilities of a premium gold card with a package of Sberbank privileges. Sberbank Gold credit card: conditions and privileges Visa gold from Sberbank

The Sberbank Gold Card is an indicator of the bank's trust in relation to its client. This card allows a person to use certain privileges, which is sometimes very beneficial. A person can use the card everywhere not only in Russia, but also abroad, which makes it popular for customers who travel frequently.

What it is?

The Sberbank Gold Card is a card that allows you not only to spend funds, cash them out, transfer, save or invest, but also use special offers for free. A bank card is issued specifically for each user and looks like a regular Visa or Mastercard (Gold is not issued in other forms).

Sberbank of Russia has taken care to give its regular customers a pleasant bonus for using the services of this bank. The benefits of the Visa Gold and Mastercard Gold cards allow people not only to carry out financial transactions faster and more conveniently, but also to save money and make donations to charity.

Sberbank of Russia issues gold cards in these forms:

1. Visa Gold (regular, Give Life, Aeroflot);
2. Mastercard Gold.

These payment systems differ in what bonuses and promotions are provided to them, and all tariffs and terms of use remain the same.

How is it different from the usual?

The possibilities of a regular and a gold card differ from each other. Regular and gold cards are debit or credit. Actually, debit and credit cards are already different from each other. You can borrow money with a credit card.

The first difference between a gold card and a regular card is that for Gold card users, an interest-free loan repayment is possible within 50 days. Also, for users of a Gold credit card, free service is possible, and a standard amount is always set for an ordinary card (except for pension cards).

Also, Aeroflot cards allow people to accumulate bonuses when paying for plane tickets with their subsequent exchange for other tickets of this company. Gift of Life cards allow you to transfer amounts to charity.

It happens like this: after paying for any purchase with a card, the bank will transfer on your behalf 0.3% of this amount to a charitable foundation with which it cooperates. This gives you a chance to help people without losing anything.

A big plus in using a gold card is the ability to get help from bank staff at any time of the day and in any city. If your card is lost abroad, this does not mean that you are left without means of subsistence in a foreign country. Money can be given to you at any bank upon presentation of an identity document.

On the Gold card, a person is provided with a larger percentage in the Thank You from Sberbank program, which means that he will be able to save more when paying for his purchases with a card.

How to accumulate and use bonuses THANK YOU

But if any resident of Russia can issue debit cards, then getting a credit card is a little more difficult, a larger list of documents is needed, but you can order a Gold credit card only under special conditions, which will be discussed below, which makes it more difficult for citizens of the country.

The only privilege of an ordinary credit card from a gold, this is the absence of interest for withdrawing cash from an ATM or bank branch. Therefore, the second option is more suitable for those who make all purchases via the Internet, and the first option is more suitable for those who pay in cash all the time.

Beneficial to use

How to get a gold card?

Depending on what you want to issue, there will be different requirements and a package of documents that must be submitted to the bank. Consider ways to obtain different types of cards and requirements for registration.

Debit

To apply for a gold debit card, you must:

• have Russian citizenship;
• be over 18 years of age;
• be permanently registered.

If these requirements are met, then you can come to a convenient branch of Sberbank with a passport and fill out a questionnaire. You can do this on the official website of Sberbank Online. But if you want to issue a Mastercard payment system, then you will have to come to the bank, since only the Visa payment system is issued in electronic form.

How much does it cost to open a card? 2500 rubles, and the annual maintenance will cost 3000 rub. At the end of the three-year period, the card is changed to a new one completely free of charge.

Credit

To apply for a Gold credit card, you must:

• be between the ages of 21 and 65;
• have Russian citizenship and residence permit;
• have at least one year of work experience (at the last workplace it is necessary to work for more than 6 months).

You can apply on the official website or directly at the bank branch, but you still have to go there. Upon receipt of the card, you must present:

• passport;
• a photocopy of the work book;
• certificate in the form 2-NDFL.

After a two-day review period, the bank will issue a decision on the possibility of registration.

A person’s credit history plays a very important role, if he previously did not pay loans on time, took them and did not return them for a long time, or did not return them at all, then the application will be refused.

But if he uses a Sberbank debit card, has a consumer loan and bank deposits, then the chance of consent is greater. It also increases for payroll clients who receive a salary or pension from Sberbank.

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Terms of Use

For owners of a gold credit card, there are many advantages in its operation:

• the card, although not unlimited, but the maximum amount of money taken on credit is 600 thousand rubles;
• the daily cash withdrawal limit reaches 300 thousand rubles;
• when taking a loan, there is a grace period of 50 days, during which no interest is charged;
• the Mobile Bank service is provided free of charge;
• interest rate on the loan up to 33.9%;
• annual maintenance cost of 3 thousand rubles;
• more bonuses under the “Thank you from Sberbank” program.

When using a gold debit card, the following conditions apply:

• round-the-clock customer service in the contact center of the bank;
• the possibility of withdrawing money abroad in case of loss of the card;
• receiving bonuses from the Thank You from Sberbank program;
• linking the card to electronic wallets.

Cons and pros

The table below will allow you to evaluate the advantage of gold cards over ordinary ones, but also point out a few disadvantages that are sometimes not so important.

	pros	Minuses
Debit card	the possibility of obtaining discounts in partner stores;	annual maintenance of the card costs 3,000 rubles;
	issue of additional cards;	annual maintenance of each additional card costs 2,500 rubles.
	money is accepted without commission;
	You do not need to pay a commission to withdraw cash;
	high degree of protection;
	monthly withdrawal limit of 3,000,000 rubles;
	daily withdrawal limit 300 00 rub.
Credit card	high degree of protection;	when withdrawing cash, Sberbank takes a 3% commission, other banks - 4%;
	allowed to use funds in all countries of the world;	when withdrawing cash on credit, the interest is charged immediately;
	urgent issuance of money in case of loss of the card;	annual maintenance - 3,000 rubles;
	you can pay for purchases in any currency;	no chance to issue an additional card;
	interest-free loan repayment within 50 days;	the annual percentage is 27.9%.
	more bonuses and promotions;
	round-the-clock communication with the bank;
	you can pay for purchases contactlessly;
	free mobile banking;
	you can get a card with free service (for regular customers);
	a special offer allows you to reduce the interest on the loan to 17.9% and 23% per annum;
	cash and non-cash replenishment of the card;
	acceptance of funds without commission;
	auto payments allowed.

It is immediately clear that the advantages of gold cards are much greater than the disadvantages. For some, the price for service may seem high, but in reality it is worth it.

"Gift a life"

This card allows a person to do good deeds without personal harm. Every time money is spent on a purchase, 0.3% of this amount is debited to charity. The card can be free, or the bank will charge 3,500 rubles for servicing, the bank reserves the right to choose. The card is issued only with the Visa payment system.

gift a life

Aeroflot

Visa Gold "Aeroflot" allows a person to accumulate miles when using the card, and then exchange them for air tickets. The amount of 3,500 rubles is charged for the service, there is no free card.

Aeroflot

Should I take a gold card?

Sometimes bank customers do not understand why people buy a credit or debit gold card, if you can use a regular one and not pay commission and service fees. But gold cards offer more savings than meets the eye. People who make purchases on the Internet and often operate with money that is temporarily not available, it is convenient to use a gold credit card with benefits.

Many bonuses and promotions allow you to return part of the money from purchases, which significantly reduces consumer costs.

Yes, for those who only receive a salary on the card and no longer use it, it is not profitable to purchase such a tariff, but in other cases it is very appropriate.

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

In order to get a Visa Gold, 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 of age and have a certain 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 send an application via the Internet. When visiting the institution, you must provide a passport, as well as fill out an issued application.

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

Card Benefits

The owner of 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 fraudulent 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 to pay and withdraw funds under the same conditions. All special offers, promotions, discounts are valid regardless of the location of the user. But it is also possible to issue several additional cards, and even for a child over the age of 7 years.

For the Sberbank Visa Gold card, there are separate bonus programs and classic ones (for example, "Thank you").

You can fund your account in many different ways. For this, both ATMs and terminals, as well as other banks, in addition to Sberbank, are suitable. You can use online services for transfers over the Internet.

Features of a gold credit card

Sberbank credit card Visa Gold 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. At the end of the term, the account is closed and a new contract is drawn up in order to receive the same product. At any time, you can replace the plastic without charging a commission.

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 is designed for a maximum limit of 600 thousand rubles. If the card is serviced free of charge, then it is subject to a redemption interest of 25.9%.

It is possible not to pay interest on a debt if it is repaid on time. You have 50 days 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 in 20 days. He may not wait for the report, but pay it on 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 set by the bank as additional services and opportunities.

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

In case of loss of a credit card abroad, it is possible to receive cash in a short time.

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

Such a product as a credit card today no longer surprise anyone. Almost every second user of banking services is not only aware of the existence of a “loan at hand”, but also actively uses it.

As for banking institutions, almost every one of them seeks to give a credit card, while offering preferential terms. Sberbank did not stand aside, and made a profitable offer to its customers in the form of a Visa Gold credit card.

In this article we will tell you what this product is? What are its advantages, and how to use the card correctly?

Sberbank, being a major financial institution in the country, offers its customers a wide range of credit cards. Among all the variety, each client will be able to find a suitable product. However, among all the available offers, cards with the “Gold” status stand out favorably.

Such cards are in demand among wealthy individuals, because the cost of their maintenance is quite high. At the same time, the Gold credit card not only emphasizes the status of the owner, but also gives him some additional opportunities. These include:

• Almost all world payment systems provide various discounts and bonuses;
• On the card, you can get expert advice 24/7 and absolutely free;
• The client can use Internet banking and SMS informing services free of charge;
• Cash withdrawal is possible anywhere in the world, even if the card has been lost;
• Availability of contactless payment thanks to the PayPass service;
• Various convenient ways to replenish your account;
• Protection of online purchases 3D-secure;
• Additional life and health insurance for both the cardholder and his family members, including during travel, etc.

In order to become the owner of a Visa Gold credit card from Sberbank, you must meet certain standard requirements. Namely:

1. At the time of registration of the product, the client must be between the ages of 21 and 65;
2. Be a Russian citizen
3. Have a permanent registration in the territory of the presence of a bank branch;
4. Have a continuous work experience for 6 months;
5. Submit 2NDFL certificates, a copy of the work book, etc.

To apply for a card, you must leave an online application, or contact the bank office in person. The processing time for the application will be 2 days.

It should be noted that these requirements are standard. However, for individual customers, the bank may make an individual pre-approved offer. Such persons may be, for example, bank depositors, borrowers, or those who receive salaries to accounts with Sberbank. It is enough for the specified clients to apply to the bank office only with an identity document.

The card is issued to “own” clients on preferential terms. For example, there will be a reduced interest rate, or maintenance of Gold status plastic will be free.

For all other users of the product, a rather high loan rate remains, and a rather large user fee (3,000 rubles per year). Perhaps this is the only difference between ordinary clients and those who receive an individual offer.

Important. Before leaving an application for a credit card, you need to contact a bank specialist for detailed advice. In order to avoid unpleasant surprises, you should carefully read the terms of service of the card.

Terms of service Visa Gold from Sberbank

As expected, such a banking product as a Visa Gold credit card has its own terms of service. As noted above, they can be both standard and individual. If there is a pre-approved offer, the bank sets the interest rate and the size of the credit limit in advance.

With regard to standard service, the conditions will be as follows:

It is worth noting that for the owner of a credit card, an important point is the grace period. Often, customers believe that from the moment of the first transaction on the card, they have 50 days during which interest on the loan is not charged. However, in reality, things are different.

Firstly, the key point here is the preposition "To". That is, the grace period can be any, but not more than 50 days;

Secondly, it is impossible to immediately determine from which day this very interest-free period begins to be counted. In most cases, customers ask this question after the bank issues a corresponding requirement.

Important! On the Visa Gold credit card from Sberbank, the grace period begins on the date of the report. This date is usually indicated on the pin - envelope, or in the personal account of Sberbank - Online.

More detailed information can be clarified with a bank specialist when visiting the office, or by calling the hotline.

How to use the card correctly

If the cardholder uses it correctly, he will be able not to pay interest to the bank. It's not just about the grace period. The billing period is also important.

According to the terms of the bank, the first 30 days of service are called the billing period. This date is determined by the terms of the loan agreement and is announced to the client. During these 30 days, the client can make the necessary operations on the card.

After the end of the billing period, the billing period begins. It lasts 20 days. During this period, the user must fully repay the debt, then the bank will not charge interest.

Thus, in order to properly use the Visa Gold credit card from Sberbank, you must complete the following steps:

1. Calculate the grace period. To do this, you can contact a bank employee, or carefully read the loan agreement. Usually, the start date of the interest-free period is specified in the terms of service;
2. 30 days are counted from this date. This is the time to shop. It is worth noting that it does not matter on which day within 30 days the cardholder will complete the operation. Even if the payment was made on the last day, the payment period will start from the next day;
3. If after 20 days after the end of the billing period, the money is not credited to the account, then the bank will accrue interest.

Surely, clients have a question: “Why should the bank pay the debt in full if I can deposit money in installments every month”? Such an option is certainly possible. However, it is not recommended to pay the debt in small “portions”, the thing is that in this case, the user basically pays only the remuneration to the bank, and the amount of the principal debt remains unchanged.

It is important to remember that the grace period applies only to non-cash transactions.

If the client needed cash, then it would be most reasonable to issue a consumer loan.

For cash withdrawals, an additional fee of 3% is charged, but not less than 390 rubles. In addition, interest is accrued on the amount of cash withdrawal from the next day.

For example, if the holder withdraws 10,000 rubles from a credit card, then in addition to interest, he will pay 390 rubles of commission. And for 100,000 rubles, the amount of the commission fee will already be 3,000 rubles. This money will also be deducted from the credit card account, and will be included in the principal amount.

It is also worth noting that keeping your own funds on a credit card account is not prohibited. However, the user will be able to withdraw them only subject to the payment of a mandatory commission.

Pros and cons of Visa Gold from Sberbank

Although the conditions for using the card are very nice, it is necessary to consider all the advantages and disadvantages of this product.

Advantages

disadvantages

There is a contactless technology for paying for purchases Visa PayWave Programs of discounts and privileges from the international payment systems Visa and MasterCard. Long grace period Relatively low interest rates In an emergency, the client can receive cash abroad Ability to pay for purchases while traveling Easily manage your account remotely The minimum age of the borrower is 21 years old Free SMS informing and mobile banking Opportunity to save on overpayments and maintenance

Average credit limit. Note that earlier the credit limit was 600,000 rubles. For ordinary customers, card maintenance will be 3,000 rubles per year No grace period for cash withdrawals High interest rate for cash withdrawals from an ATM High penalties for late performance of loan obligations

As can be seen from the table, Visa Gold has much more advantages. And if you use the card correctly, you can appreciate all the features of this product.

Gold status plastics have always been considered privileged among potential borrowers, so most banks necessarily have this offer in their product line. So, Sberbank offers its customers to issue a gold credit card from the Visa or MasterCard systems. The Visa Gold Sberbank credit card is distinguished by acceptable lending conditions and other advantages, in order to understand as much as possible whether it is worth issuing a credit card or not, you need to carefully study its conditions, advantages and disadvantages, as well as the owners' reviews in order to form the right idea about it.

How to issue a card

To begin with, it is worth saying that gold cards are really beneficial for wealthy clients. After all, they make it easy to pay with the help of their goods and services, but also to receive additional bonuses. In addition, the card is indispensable as a payment instrument abroad, because the conversion takes place automatically to pay for purchases in foreign currency. The owner of gold plastic also has the opportunity to participate in the bonus program Thank you.

A credit card involves the availability of borrowed funds. The bank has a number of essential requirements for a potential client, let's consider all of them:

• Citizens of the Russian Federation aged 21 to 65 can become a client;
• the presence of permanent registration in the region of registration of plastic is mandatory;
• the level of income must be documented by a certificate on the second form for individual entrepreneurs, certificate 3-NDFL;
• experience at the last place of work you need to confirm a copy of the work book.

You can submit a preliminary application without leaving your home online on the official website of the bank. After a positive decision is made, you need to come personally to the bank with a package of documents and a passport for issuing a card.

It is important that at the bank branch you will need to provide all the documents for which a certain period of time is allotted, because the security officers must check the authenticity of the documents and assess their risks.

Sberbank gold credit card conditions: official website

Terms of Service

Despite the fact that the bank determines individual conditions for each client, it is worth considering what tariffs are provided for a product such as a Visa Gold Sberbank credit card. Conditions:

• the maximum amount of credit funds - up to 600 thousand rubles;
• maintenance fee - 3 thousand rubles annually;
• grace period - up to 50 days;
• annual rate - up to 33.9%;
• penalty for late payment of the debt - 36% of the total debt.

These are general conditions, but if you receive a pre-approved credit card decision, special conditions will apply to you. First, the bank determines the interest rate and the amount of the limit in advance. Secondly, the advantage for bank customers is the absence of an annual service fee.

Please note that SMS information is free for holders of gold credit cards.

How not to pay interest

For most users, such a thing as a grace period is not known for certain. If you know exactly how to use the grace period, then you can not reward the bank. Here, the Gold card has a grace period of 50 days: according to the terms of service, the first 30 days is the billing period, it starts from the date specified in the contract and is valid for 30 days. During this period, the user can make purchases and pay for them with a card, and in the next 20 days after the end of the billing period, the payment period begins, during this period the debt must be paid in full, then the bank will not charge a fee.

To understand how to use the Sberbank Visa Gold credit card correctly, you need to carefully calculate the grace period. Your loan agreement must indicate the start date of the grace period, 30 days should be counted from it - this is the period for paying for goods and services. It is worth paying attention to the fact that it does not matter on which day you made the purchase within 30 days, even if you made it on the last day, the payment period for you will begin from the next day. At the end of the billing period, you have another 20 days to fully pay the amount of the debt, otherwise, the bank charges you interest.

If the client did not have time to pay the outstanding expenses during the billing period during the grace period, then he will have to pay interest. The monthly minimum payment amount is 5% of the amount owed. Prior to the date of payment, the bank notifies customers of the need to repay the loan. But still, it is not recommended to pay the debt in small installments, because in this option, the user basically pays only the remuneration to the bank.

It is important to note that the grace period applies only to non-cash transactions.

Getting money from an ATM

A credit card is needed for non-cash payments, and it is highly not recommended to receive borrowed funds in cash, if you need money for household expenses, then it is more reasonable to issue a consumer loan. For cash withdrawals, an additional fee of 3% is charged, but not less than 390 rubles, plus interest is accrued on the amount of cash withdrawal from the next day.

For example, if you want to receive 10,000 rubles in cash, then you will have to pay 390 rubles. And if 100,000 rubles, then a commission fee of 3,000 rubles. This amount will also be charged to your credit card account.

Important! If your own funds are stored on a credit card, then you can receive them in cash only with the payment of a mandatory commission.

Basic terms of service

As mentioned earlier, the annual percentage and the amount of borrowed funds is a strictly individual matter, they will depend on several factors. First of all, the bank can determine the limit and interest only after studying the documents of a potential borrower. The higher the income level, the higher the limit and the lower the interest rate.

If you have received prior approval for issuing a card, then the bank has already determined the terms of its service for you personally. It will be much easier for wage recipients to issue plastic, because they do not need a salary certificate, a decisive role for a potential client is played by his credit history.

What gives the status of Gold

Insofar as gold credit cards primarily emphasize the status of their owner, they have a number of possibilities, namely:

• bonuses from global payment systems;
• free round-the-clock consulting services;
• free remote Internet banking and SMS informing services;
• instant withdrawal of funds outside the Russian Federation in case of loss of the card;
• the possibility of contactless payment thanks to the PayPass service;
• 3D-secure online shopping protection technologies;
• convenient ways to replenish your account.

All for and against

The conditions for using the Sberbank Visa Gold credit card are more than acceptable for potential use. By the way, there is an erroneous opinion that only financially secure customers can receive gold credit cards, but absolutely everyone can become the owner of plastic, regardless of income level. It's worth considering whether I really justify the high cost of annual maintenance.

However, to begin with, it is worth considering the advantages and disadvantages. The advantages include:

• long grace period;
• loyal interest rates;
• the ability to receive emergency cash abroad;
• the ability to pay for purchases while traveling;
• bonuses from Sberbank and the payment system;
• high credit limit;
• convenient remote services;
• the minimum age of the borrower is 21 years;
• free mobile banking;
• opportunity to save on overpayments and maintenance.

Among the shortcomings, one can single out expensive service for customers who did not receive a pre-approved offer from the bank, the absence of a grace period for a cash withdrawal operation, a high interest rate for cash withdrawals from an ATM and high penalties for late fulfillment of credit obligations.

Privilege cards are distinguished by a wide range of features, increased limits and special offers. was no exception andbank card Visa Gold Sberbank, conditionsobtaining, the features and advantages of which are discussed in the article.

Bank card Visa Gold Sberbankissued almost without restrictions. A mandatory rule is the age of majority of the client and the presence of citizenship and registration. However, residents and permanently unregistered persons may also in some cases be eligible for product distribution. But the decision on them is made individually.

Registration Visa Gold Sberbank

The procedure for issuing a Visa Gold debit card of Sberbank is accompanied by a preliminary application, which is considered for about 2 days. Upon agreement, after some time, necessary for the production of directly named plastic, the client is invited to sign a contract for service and issuance. Golden Sberbank Mastercard debit cardissued and maintained in the same way.

It is allowed to open an account for a client in any currency: national, European or American. Having received a debit card Visa Gold of Sberbank, the client has the right to request additional cards to use the resources on the account, incl. and for the child.

If the employer decides to transfer payments to employees through Sberbank, everyone has the right to indicate the card option. Often, classic cards are issued to everyone, but you can always choose Visa Gold of Sberbank if you want to use its privileges.

The client has the right to requestVisa Gold (Sberbank debit card) in an exclusive design. This implies that any photo or picture uploaded by the client or selected from those offered by Sberbank will be displayed on the front side. In such a situation, an application can only be made remotely - through the website, and the cost of the card will cost 500 rubles.

Opportunities Visa Gold from Sberbank

Debit card Visa Gold from Sberbank conditionsuse for consumers offers the following:

• Replenishment of the account by non-cash options or by transferring banknotes through the terminal or cash desk of the bank;
• Payment at retail outlets for purchased goods, incl. outside the country;
• Payment for services using an ATM;
• Carrying out online transactions in a protected 3D-secure space.
• The ability to urgently receive funds in case of loss of plastic, incl. Abroad.
• It is permissible to “link” the card to an electronic wallet.

Bonuses and services

In addition, customers can activate the bonus program. Visa Gold debit card of Sberbank makes it possible to accumulate special points and replace them with part of the amount when paying. Travelers have the opportunity to use promotions from the Visa company, which are valid in many countries. Golden d ebit card Mastercard of Sberbank, in reviewsabout which the same possibility is noted, allows you to use special offers from your payment system.

All clients are advised to connect remote account management services via telephone and the Internet. So the owner of Visa Gold Sberbank independently conducts banking procedures for transfer, payment, receipt of an extract, etc.

Debit card Visa Gold in Sberbank limits

For the use of all the possibilities, it is necessary to pay 3 thousand rubles a year and 2.5 thousand rubles for each additional card.How much cash can be withdrawn from a Sberbank Visa Gold card per day, does not depend on the form of receipt (ATM, cash desk of an institution or another bank). The limit is 300 thousand rubles. The monthly figure is 3 million rubles. For foreign currency accounts, 12 and 100 thousand dollars or 9 and 75 thousand euros are valid, respectively. It is possible to receive a larger amount than indicated by the rules, but only at the branch and with the payment of a commission - 0.5% for the amount exceeding the limit.

Like any debit card, Visa Gold in Sberbankallows you to use an ATM of any financial institution to receive cash. In such a situation, you will need to pay 1% commission. If the amount of withdrawal is small, then 150 rubles.

The uniqueness of the product Visa Gold debit card of Sberbank is the absence of restrictions on payment transactions. And you can take up to 10 million rubles a day.