Classic visa card. Cost of card maintenance. How much does it cost to service a Sberbank Visa Classic card?

Sberbank of Russia is one of the largest providers of financial services in the Russian Federation. In this regard, the bank provides lending services to individuals and legal entities. The conditions of the Sberbank Classic Visa (credit card) have recently been recognized as the most optimal and profitable for users. With minimal costs for organizational issues, it allows you to make financial transactions with virtually no restrictions.

Conditions for obtaining a Visa Classic credit card

Before using the Sberbank Visa Classic credit card, you should know how to apply for it. You can complete the application in person at the institution or online after receiving prior approval from the institution.

Regular clients of the bank who have an open personal or deposit account, own a salary card or have a positive credit history are provided with special lending conditions. They are expressed in the establishment of a reduced interest rate for the use of borrowed funds and a low cost of servicing plastic. Moreover, applications from such clients for a credit card are considered as quickly as possible without providing a standard package of documents.

For borrowers who are not current clients of Sberbank, it is possible to fill out an application for a credit card on the institution’s portal or at its branch. In this case, you will need to provide the bank’s credit department employees with the documents necessary for verification:

• civil passport of the Russian Federation;
• income certificate (can be filled out on a bank form, accounting form or in the form of an account statement);
• confirmation that the applicant has a job for six months prior to submitting the application;
• certificate of ownership of movable or immovable property, issued in the name of the applicant.

The age limit for using the product is set between 21 and 65 years. The passport must contain permanent registration at the bank's place of presence. Consideration of the application may take up to 5 days, after which the applicant will receive a notification of the decision made.

You can apply for a Visa Classic credit card online on the Sberbank website

Interest rates

The interest rate on a credit card is determined individually for each potential borrower. The minimum can be set at 25.9% per year, and the maximum can be increased to 33.9%.

The most favorable conditions credit card Sberbank Visa Classic is provided to borrowers based on personal offers. In the absence of such, the parameters for using a banking product are determined depending on the client’s solvency.

The cost of plastic maintenance is 750 rubles per year. If the card was issued based on a personal offer, it is free of charge.

Using the card

You can effectively use a credit card provided that you meet the deadlines for returning the funds spent. And for this you need to clearly understand the principles of issuing and repaying a loan through a credit card.

Cash withdrawal

In order to comply with the requirements of the Russian government resolution on the illegal circulation of funds, Sberbank has established limits on cash withdrawals via credit cards.

You can withdraw no more than 150 thousand rubles from your credit card balance per day. Per month – no more than 1.5 million rubles.
You can withdraw no more than 50 thousand rubles through a Sberbank cash desk or its ATM using plastic.

A similar amount can be withdrawn without presenting a card using a Russian passport. The limit is reset at midnight Moscow time.

There are no restrictions when paying for purchases using a Visa Classic credit card account. When cashing out funds in excess of the limit through devices or at the Sberbank cash desk, you will have to pay a commission fee in the amount of 0.5% of the excess amount. When using a cash register or devices of third-party institutions, the commission will be 1% of the excess amount.

Preferential lending conditions are provided for regular clients of Sberbank

Grace period

The grace period for the Visa Classic card is 50 days. This means that, having withdrawn money from the card, the borrower can return it to the balance without charging interest for its use during this period.

If the terms of interest-free use of borrowed funds are violated, the credit card owner will have to pay the amount of accrued interest in accordance with the established lending parameters.

When considering an application from a potential borrower, the bank evaluates its solvency. If the client is verified, as part of a personal offer for a credit card, the grace period can be increased to 61 days.

Debt repayment

Using a credit card implies a monthly deposit of funds into the plastic balance of at least 5% of the amount spent. Of course, provided that the money spent was not returned during the grace period.

Interest for the use of borrowed funds is accrued above this amount of funds; they are also required to be paid every month.

If the established requirements are violated, the borrower will be subject to a fine of 36% per annum of the debt amount. Therefore, in order to avoid paying fines accrued to your credit card account, it is recommended to carefully study the terms of the bank’s provision of borrowed funds.

Pros and cons of a credit card

Any banking product has its advantages and disadvantages. Each client can make a decision to issue a credit card based on their analysis.

Visa Classic credit card from Sberbank provides borrowed funds on an interest-free basis for 50 days

The advantages of using a Visa Classic credit card include low cost of service and free issue. For existing Sberbank clients, preferential lending conditions with an extended grace period are provided.

Each credit card owner can become a participant in the bonus program from Sberbank, get free access to online and mobile banking, and also attach the card to the electronic payment system. The card is equipped with 3D-stcure protection to prevent fraud.

The disadvantage of using a credit card is the high commission for withdrawing funds from the card, as well as limits on this type of transaction. The grace period does not apply to this transaction, so you will still have to pay interest on cash withdrawals.

Also, for violation of loan terms, the owner of a Classic Visa is subject to significant penalties. Even with minimal withdrawal of funds from the plastic and their untimely return.

Working with its clients as a lender, Sberbank offers the use of cards with a revolving credit line. To achieve this, the bank offers a range of products, for example, classic and. As part of this article, read about the product “Visa Classic Sberbank credit card”. The conditions for using plastic are practical for every potential client.

Terms of Use

If you have already dealt with credit cards, you should not have any difficulties using Visa Classic. Having used a loan, you must deposit 5% of the loan amount, but not less than 150 rubles, into the card account every month.

If you do not meet the grace period, then in addition to the obligatory payment, for each next month you need to pay a percentage of the amount of the current debt.

Annual interest rate depends on the conditions under which it was opened.

If you fail to pay the obligatory payment on time and fall behind, the bank will levy a fine in the amount of 36% per annum of the loan amount taken.

You can deposit money into your credit card account in any convenient way, including through Sberbank Online and mobile banking.

Possibilities of Visa Classic

Standard Features bank cards everyone is well aware of: safe storage of funds, non-cash payments, you can withdraw money, top up your balance, make transfers, pay for various services, and manage your accounts remotely via the Internet.

In addition, the visa card has many additional useful and pleasant functions:

• participation in the “Thank you from Sberbank” program and the opportunity to accumulate bonuses that can be used to pay in stores;
• 24/7 customer support service, where you can ask questions at any time and receive a qualified answer from specialists;
• transactions via the Internet are carried out with additional system protection using special 3D-secure technology;
• “Autopayment” service, by activating it for free, you can forget about monthly payment of various bills and making transfers. If necessary, money is debited automatically;
• service abroad. Outside our country, you can also withdraw cash and pay for purchases non-cash;
• If the card is lost abroad, an emergency cash service is available;
• the ability to link your account to any electronic wallets to simplify the withdrawal of funds via the Internet;
• participation in bonus programs and promotions from the Visa payment system. By actively using the card, you can receive good discounts on purchases as part of special offers.

The classic visa card comes in debit, credit and salary cards. To receive it, you need to submit an application and wait for approval. According to customer reviews, it is produced quite quickly, within 7 – 10 days. After receiving it, you can immediately start using it.

Cash transactions

To top up your Visa Classic card, you can use a terminal.

Sberbank does not charge its clients a commission when depositing money through the system's ATMs.

Foreign currency accounts will be replenished at the current bank rate.

Clients have two options for non-cash replenishment - money can be sent by transfer from their bank account or from the account of another individual or legal entity.

Transfers of funds from an electronic wallet are also available. However, in this case, the transfer currency must necessarily match the card currency.

All cash withdrawal operations in the region where the Sberbank branch that issued the plastic card is located are carried out without commission. In other regions (or at ATMs of other financial institutions) a commission may be charged. Accurate information about the amount of the commission can only be obtained at the place where the money is cashed out.

The following limits are set for debit card transactions:

1. Cash withdrawal through an ATM: no more than 1.5 million rubles per month and no more than 150 thousand rubles per day.
2. Cash withdrawal through the cash register: no more than 50 thousand rubles per day.
3. Cash acceptance: no more than 10 million rubles per month.

The bank charges a commission from clients in the following situations:

1. When cashing out in excess of the limit - in the amount of 0.5%.
2. When cashing out at ATMs of other banks - in the amount of 1%.
3. When transferring money to an account through another bank - in the amount of 1.25%.

Tariffs

For easy viewing, tariffs for the Visa Classic card are shown in a table.

*Service of 0 rubles and an interest rate of 25.9% may be part of a special offer from the bank for its clients.

Read also:

How to get it?

To obtain a credit Visa cards Classic on a general basis, you must meet the following requirements:

1. The client must be a citizen of the Russian Federation.
2. Age limit: from 21 years to 65 years inclusive.
3. Permanent registration on the territory of the Russian Federation.
4. Work experience (total) of at least 1 year (for a period of 5 years) and period of work at the current place of at least 6 months.

To apply for a card:

1. Come to the Sberbank office.
2. Provide it to the manager.
3. Apply for a credit card.
4. An application to set a credit limit on an opened account is reviewed within 2 business days. You will then receive a response regarding the solution.

To issue a card as part of a special offer, you must fulfill at least one of the following conditions:

• receive salary project or pension to a Sberbank card;
• actively use a debit card;
• have deposits in Sberbank;
• have an issued consumer loan.

To find out if there is a special offer for you with a reduced interest rate from the bank:

1. Leave it. If the bank has an offer, you will see it immediately.
2. With your passport, contact the manager at the bank branch. Ask him about the special offer.

How to ensure the safety of your money?

The standard Sberbank Visa Classic debit card is quite safe and easy to use. However, the bank always recommends not to transfer her data to strangers neither in person nor over the phone.

This will protect the user from any possibility of theft of funds. It is also worth remembering that Sberbank employees will never ask you to provide access passwords to Internet banking. Anyone who approaches you with such a request is a scammer trying to steal money.

If you lose your card, you should immediately contact the bank. When traveling abroad, it is not recommended to keep a large amount of funds on your card account.

It is better to place savings in an account and, if necessary, transfer them to a card using Internet banking or mobile banking.

What does Internet banking allow you to do?

When you receive the card, you should activate Sberbank Online services and Mobile bank. They allow you to perform any financial transactions on your accounts from your computer and phone (using messages and commands).

For example, through Internet banking you can control your account status, make payments and transfers.

Important! Sberbank Online allows you to interact remotely with bank representatives, submit applications for a loan or issue a new card.

If you are already a Savings Bank client, you can apply for a debit card online. To do this, just visit the website, select the desired type of plastic and fill out an online application.

Visa Classic credit cards from Sberbank have gained wide popularity in Russia. With their help, clients can carry out any banking transactions, such as paying utility bills, various purchases, and withdrawing cash if necessary. Credit cards are very convenient in everyday life and give their owners a lot of advantages, including participation in various promotions carried out by the bank.

Differences between credit cards and debit cards

However, when applying for a credit card for yourself, it is worth remembering that it has completely different conditions for obtaining, servicing and using than.

• It is much more difficult to get a credit card than a debit card. The credit card contains bank funds and in order to obtain the right to use them, you need to carry out a number of procedures and provide the necessary papers to the bank. The procedure for applying for and receiving a Visa Classic credit card is generally similar to consumer loan.
• Cash from a credit card is always withdrawn with a commission.
• The amount of the credit limit will depend on the borrower’s permanent place of work and the amount of earnings.
• The credit card will necessarily contain the name of its owner, and sometimes his photograph.

For example, the Visa Classic salary plastic card does not have the ability to issue borrowed funds to its holder, who can save and store only his personal money.

Registration conditions and required documents

To apply for a Visa Classic credit card, you will need to collect a package necessary documents. In addition to a passport of a citizen of the Russian Federation, the client may need:

• application for a credit card;
• income certificate in form 2NDFL;
• copy of the work document (certified);
• copy employment contract(certified);
• individual entrepreneur registration certificate;
• certificate of income of the individual entrepreneur;
• for pensioners - a certificate of pension amount;
• certificate of ownership of real estate or registration certificate for a car.

Description of loan terms

The Visa Classic card is characterized by the following points:

• Annual Maintenance costs 750 rubles, is charged annually in the month when the plastic was issued.
• The client can use the card for free if he has a pre-approved offer from the bank. Sberbank makes such an offer to its regular customers and holders salary cards.
• The currency of credit cards from Visa Classic is rubles. Loans in other currencies are not provided.
• The interest rate is 25.9 – 33.9% per annum. The loan amount is determined by the bank, depending on the credit history and other characteristics of the client. The interest rate on credit cards is always significantly higher than on regular consumer loans. If the bank itself offers to issue a credit card or if the client has a good credit history, the interest rate may be reduced.
• The interest-free period is 50 days. During this period of time, the borrower can repay his debt without charging interest for using the loan.
• Credit card security is ensured by a chip and magnetic tape, which meets all modern requirements.
• Free SMS notifications about banking transactions according to customer's request.
• The card owner can make any payments and transfers via the Internet through the Sberbank Online system.
• The loan limit ranges from 15 to 600 thousand rubles.
• When withdrawing cash, a three percent commission is charged (but not less than 390 rubles).
• When withdrawing cash from other ATMs, this figure will be equal to 4% (but not less than 390 rubles).
• The daily limit on withdrawals is no more than 50 thousand rubles.
• It is most convenient to make cashless payments using this card, so the client will lose much less in percentage.

How to get a Visa Classic credit card from Sberbank

There are two ways to apply for a credit card:

• on a proposal previously approved by the bank;
• upon application to the bank.

The most convenient is the first option, since the client, in this case, will definitely receive his credit card. If he has a good credit history, or you have a salary card or a valid deposit, then Sberbank usually offers to issue a credit card on preferential terms.

If a client, on his own initiative, wants to get a credit card, then he needs to contact a bank branch and write an application. It is much easier to carry out this procedure through Sberbank Online. In addition, you will need to bring the documents requested by the bank to the bank. However, if the client does not have an urgent need for funds, it is better to wait until the bank itself offers the client to get a credit card. This will be much more profitable for the borrower. It is highly likely that someone who has:

• you have a bank debit card;
• a bank deposit has been issued;
• loan repayment occurs without delays;
• I have a pension or salary card available.

How to use the card

There are several simple rules, subject to which the borrower will be able to use the card with maximum comfort and benefit for himself. See also: .
Rules for using the card

As already mentioned, using a card is more profitable for non-cash payments. This is its main characteristic. You can make payments in different ways: through terminals in stores, or make purchases online. Withdrawing cash from a credit card is not profitable because this operation a commission of about four percent plus 150 rubles will be charged. for withdrawing money. In addition, the interest-free period does not apply to cash withdrawals. That is, if cash was withdrawn from the credit card, interest will begin to accrue the next day after this operation is completed, and they will be included in the monthly payments. The Sberbank Online service helps you track accurate information on your existing debt: the amount of remaining debt, the repayment date. Also, the Mobile Bank service can protect the borrower from unpleasant surprises associated with the loan.

You can top up your credit card using the Sberbank Online service, through ATMs and electronic terminals, or at a bank branch by transferring funds from other deposits and accounts. When transferring funds from another bank, it may take up to five business days for the money to be credited.

The client needs to make timely payments on the existing debt, since all monetary transactions made by him are recorded and then stored in a common database, information from which is subsequently used when approving future loans. If the borrower used the loan in bad faith, then further attempts to obtain approval for the loan will not be successful.

A Visa Classic credit card is an excellent reserve of financial resources; with its help you can avoid borrowing money from friends and acquaintances. The cash limit of the card is renewable, which makes it possible to use it if necessary for a long period of time.

Pros and cons of the Sberbank Visa Classic credit card

The card has its pros and cons. The client has the right to decide which of them is more important for him. The advantages of the card include:

• support for 3D Secure technology;
• presence of a microchip;
• inexpensive annual maintenance;
• high loan limit;
• participation in bonus programs;
• possibility of connecting auto payment;
• use of mobile and internet banking;
• convenient remote services;
• function of attaching a card to electronic wallets.

The disadvantages of the Visa Classic card include:

• high interest rates for using cash;
• no interest-free period and restrictions on the use of cash;
• serious fines for late repayment of loan debt;
• No possibility of issuing additional cards.

The Sberbank Visa Classic card is the most popular among its clients because it combines the optimal ratio of the price for annual service and the set of functions offered. If you cannot meet the conditions for receiving any other option due to age inconsistency (, pension) or lack of services provided (), it is advisable to opt for a classic credit or debit card.

Page content

Visa Classic from Sberbank is an international plastic card that allows you to take advantage of a whole range of different services and functions.

• payment system – Visa. This means that any conversions when using plastic abroad go through the US dollar.
• You can choose an account in any currency - rubles, dollars, euros.
• The validity period is 3 years.
• Electronic chip protection for greater safety.
• It is possible to issue additional cards, including one, which can be provided from 7 years of age.
• The classic visa is issued as part of a salary contract and can be used as a salary card.
• availability additional features, which allow you to participate in various programs and promotions, receiving pleasant discounts and bonuses.

Terms of service

Getting a Sberbank Visa Classic card will not be difficult. To do this, you must meet some requirements:

1. The applicant must be at least 14 years old;
2. You must have permanent registration in Russia;
3. This product is provided to persons with Russian citizenship. The issue of providing it to non-residents of our country is decided on an individual basis.

Service tariffs

Visa Classic from Sberbank is not free, so you will have to pay a certain amount to use it. The Bank has established the following tariffs for issuance and servicing:

• is issued free of charge. Can be ordered. In this case, the service will cost 500 rubles.
• the fee for using the product will be 750 rubles ($25) for the first year.
• the fee for use in subsequent years is 450 rubles per year or 15 US dollars.
• additional cards are issued free of charge.
• the first year of service will cost 450 rubles, and subsequent years - 300 rubles.
• upon expiration it is free of charge.

How to get a Visa Classic card

To obtain a Visa Classic card, you need to submit a corresponding application. You can leave an application on the official website of Sberbank of Russia, or write it in any nearest one. For documents, it is enough to provide a passport. A credit card requires more documents; the conditions can be found at a Sberbank branch, on the official website or at.

The application will be reviewed within 2 working days. If the decision is positive, after 7-10 days you will need to come to the branch, sign an agreement and pick up your plastic.

Poll: are you satisfied with the quality of services provided by Sberbank in general?

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There is no need to pay anything upon receipt. And the cost of annual maintenance of debit cards in the amount of 750 rubles will be automatically debited from the account upon the first replenishment of the balance.

Occurs during the first operation performed through an ATM (replenishment of an account, payment for services). For convenience, immediately with the help of employees, do not forget to connect free services and service (a small monthly subscription fee applies).

Possibilities of Visa Classic

The standard features of bank cards are well known to everyone: secure storage of funds, non-cash payments, you can withdraw money, top up your balance, make transfers, pay for various services, manage your accounts remotely via the Internet. In addition, the visa card has many additional useful and pleasant functions.

• participation in the "" program and the opportunity to accumulate bonuses that can be used to pay in stores.
• 24/7 customer support service, where you can ask questions at any time and receive a qualified answer from specialists.
• transactions via the Internet are carried out with an additional protection system using special technology.
• the “ ” service, by activating it for free, you can forget about monthly payments of various bills and making transfers. If necessary, money is debited automatically.
• service abroad. Outside our country, you can also withdraw cash and pay for purchases non-cash.
• abroad, an emergency cash service is available.
• the ability to link your account to any electronic wallet to simplify the withdrawal of funds via the Internet.
• participation in bonus programs and promotions from the Visa payment system. By actively using the card, you can receive good discounts on purchases as part of special offers.

A simple and convenient banking product with good functionality, low cost services - Visa Classic card from Sberbank. Issued for mass clients, it guarantees security when making financial transactions, meets user expectations, and is easy to use.

Let’s take a closer look at its types and the capabilities provided.

Classic in the Visa “family”

Visa is a global payment service system based on dollar payments and covering more than 200 countries, about 30% of all bank cards abroad and almost half in Russia.

More than 70% of the bank's clients use the classic card. Depending on the transactions serviced, Sberbank issues two types: debit and credit. Since Visa has adopted a dollar settlement system, Visa Classic guarantees favorable currency conversion conditions when paying for purchases in Canada, Latin American countries, the USA, Thailand, and Australia. If settlements are carried out with European counterparties, conversion into euros is added for Visa cards.

Visa cards differ in class, which determines the client’s capabilities. Sberbank has put into circulation the carriers of the Visa payment system: classic (Classic), “gold” (Gold), “platinum” (Platinum).

The class affects the cost of annual service, registration rules, cash withdrawal limits, credit limit and privileges.

Visa Classic is available to the mass client and is designed to perform useful functions:

• settlements in the retail network, service sector;
• transferring money to another recipient through self-service terminals and ATMs;
• withdrawal/deposit of cash to the account.

The card does not require constant contact with the issuing bank to approve a financial transaction, which is convenient when traveling abroad. The medium is harmonized with electronic wallets.

Visa Gold, in addition to the described functions, provides the holder with additional opportunities when traveling abroad:

• urgent recovery of the media and withdrawal of money in case of loss;
• 24/7 support through customer service.

Visa Platinum is aimed at established and wealthy clients. Holders are presented with special programs:

• bonuses on separate conditions,
• purchase protection and extended warranties;
• VIP service in banks, hotels, restaurants, airport lounges.

For regular business trips abroad, premium-level carriers are preferable. With them, the client will look respectable and feel more confident. But if settlement transactions are planned within the country, Classic cards fully cope with the task.

Classic card features

Note that the card is just a “key”, a tool for convenient management of the client’s money. Its chip contains the necessary information to perform income-expense and lending operations. Therefore, the future holder first opens a bank account where the money will be stored, and then receives a plastic card.

The classic Sberbank card is opened for a period of 3 years. For carriers of this level, free initial issue and re-issue due to the end of the circulation period are provided. In case of loss of plastic or PIN code, replacement is carried out on a paid basis.

Clients appreciated the advantages of Visa Classic:

• minimum documents for opening an account;
• loyal requirements of Sberbank for the user, the possibility of issuing an additional card;
• minimum fees for banking transactions;
• incentive and charity programs are in place;
• There are different payment methods available - contact, contactless, transfer.

Account management, control of money movement, non-cash payments are carried out through an operational employee or using mobile banking. The password to enter software services is the number mobile phone, which is “tied” to the card plastic.

Security of transactions for all media is guaranteed by the Verified by Visa system.

External differences

Visa Classic of Sberbank is presented in standard size plastic: 85.6x53.98 mm.

The front side contains:

• In the lower right corner is the Visa logo, under which the carrier class is indicated on English- Classic. At the top there may be additional inscriptions identifying the ownership of the plastic: “Aeroflot”, “Give Life”. Below them, in the emission recent years, there is a pattern of four lines (an inverted Wifi icon), indicating the possibility of a contactless payment method.
• In the upper left corner there is the Sberbank logo, in the lower corner there is an embossed embossing of the holder’s first and last name in Latin letters, which must correspond to the data in the international passport.
• In the central part of the plastic there is a sixteen-digit unique number plastic, in blocks of 4 characters. The first digit reflects the type of payment system (for MPS Visa - “4”), together with the next five digital values ​​the card issuing bank is represented. From positions 7 to 15, the type of transaction is encrypted - debit or credit, currency, region of issue. The last digit is a check number that determines the correctness of the media. Authenticity is also verified by the presence of a duplicate of the first 4 digits under the number, applied with paint.
• Above the number there is a chip on which financial information is stored.
• The validity period of the plastic is indicated under the number in a two-digit format - month-year.

If the medium is issued as an additional card, the number will contain 19 digits, in which the last 3 identify the plastic as belonging to the additional issue.

The back of the media contains:

• A magnetic strip soldered into plastic containing information about the client and account number. The data is decrypted upon contact with the reading device.
• A special paper strip for a sample of the holder’s personal signature. The strip has a micro-pattern with the payment system logo.
• CVV2 code is a cipher on a paper strip that identifies the authenticity of bank plastic.
• Reference information - telephone number of the bank's call center, hotline.

The color of the plastic corresponds to the class and orientation of the card. The front side of the “gold” carrier is painted in a golden hue, while the platinum one is painted in a noble metallic hue.

The standard Visa is made in a combination of gray and silver, while other cards come in a variety of colors and designs.

Sberbank credit cards and debit cards differ only in their external design; other identification marks, no inscriptions.

Debit cards: types and design options

The Sberbank Visa Classic debit card is designed to store the holder’s own savings. It is convenient to make payments, transfers, and withdraw cash. The procedure for obtaining media begins with opening an account. To do this, submit a preliminary application at a bank branch or through the official website. It indicates personal information, registration, phone number and time convenient for calling. The period for consideration of the application does not exceed two days.

After pre-approval, you need to come to the bank branch with your passport and draw up a banking service agreement. The card is transferred to the client within 7–21 days from the date of conclusion of the agreement with Sberbank.

Bank requirements for a client to open a debit account:

• citizenship of the Russian Federation;
• age - from 18 to 65 years;
• having a permanent residence permit.

The opening of additional cards, of which up to 5 can be issued, is also carried out for minors aged 14 and even 7 years, with the permission of a parent or guardian.

Sberbank presents five types of Visa Classic debit media, servicing settlements in three currencies.

Among them is the standard Visa Classic card. It is convenient for deposits, transfers, and cash withdrawals. By activating the “Thank you from Sberbank” service, you can receive bonuses in the retail network, which are then transformed into discounts on purchases from the bank’s partners.

The client can develop the Visa Classic design himself, for the implementation of which he will need to pay an additional 500 rubles. When filling out an application on the official website, you can select an image from ready-made options or suggest your own.

The finished card with an individual design will be delivered to the branch free of charge. Functionality, carrier currency, accrual of rewards, service tariffs correspond to standard card plastic.

The classic Aeroflot Visa is convenient for holders who often go on business trips abroad. It differs from the standard card in its incentive program, which allows you to accumulate “bonus miles” for discounts when paying for air tickets and improving the passenger’s class of service. The program partner is Aeroflot and the Sky Team alliance.
Momentum

Visa Classic Momentum is another type of “classic”, but with limited functions. For registration, the bank’s age requirements have been “softened”: issued to young people over 14 years old, recommended for purchases in online stores, including foreign ones.

It can be obtained by a non-resident with temporary registration. The card opens within 10 minutes. The use of the media is accompanied by the accrual of incentives according to the standard bonus program. The inconveniences are compensated by simplified conditions upon receipt and the absence of an annual fee.

The Visa youth card also belongs to the classic category of carriers. It is issued for young holders who have reached the age of 14, but not older than 25. It is opened only in rubles and has a significant cash withdrawal limit.

Affiliate programs offer discounts in areas of interest to young people:

• in fast food restaurants;
• when purchasing goods for sports and recreation;
• computer equipment;
• e-books;
• travel.

The Sberbank Classic visa with the “Gift of Life” logo is a fully functional card that is issued only for ruble payments and allows the holder to participate in charity.

The annual maintenance of plastic is slightly more expensive, but 50% of the cost goes to a charitable foundation. From each purchase, 0.3% of bonuses are sent to a fund to help seriously ill children, the same amount is donated by the bank.

Cost of servicing debit cards

The following table shows how much it costs to service a Sberbank Visa Classic card for debit transactions:

Other conditions:

• There are no fees for crediting funds to your account or paying for purchases.
• The daily cash withdrawal limit at the cash desk is 150 thousand rubles. or the equivalent in foreign currency, at an ATM - 150 thousand rubles / $6000 / 4500 euro.
• The monthly limit for cashing out is 1.5 million rubles. / $50,000 / 37,500 euro.
• Commission for exceeding the daily limit is 0.5% in Sberbank structures. In other banks - 1% of the amount, minimum 150 rubles. / $3 / 3 euro.
• Depositing money through other banking structures is accompanied by a commission in the amount of 1.25% of the amount, the minimum is 30 rubles, the maximum payment is 1000 rubles.

More detailed information about the conditions is presented on the Sberbank website.

Visa Classic salary card - what is the difference?

Let’s say right away that there is no special plastic for depositing salaries in any of the payment systems. A traditional debit card - Visa Classic - is used as a “salary” card. To obtain it, the employing company enters into an agreement with the bank, within the framework of which they issue Visa Classic media with traditional external design, the presence of all functions and accepted methods of information protection.

Employees appreciated the advantages of “salary” service manufacturing enterprises, state employees. Funds can be withdrawn from any ATM, or you can put money on a card. Additionally, the employer has the right to agree with the bank on special tariffs for card account transactions.

Sberbank strongly welcomes salary card holders. These are welcome clients when applying for loans and credits.

Classic Sberbank credit cards

Visa Classic credit cards are a convenient way to obtain a consumer loan; they are opened only in rubles. The media is issued for a three-year period, after which the card is reissued. To issue credit cards, the age requirements for the client, his citizenship, and the presence of a permanent place of registration of residence are observed.

To determine the lending limit, the bank requests confirmed information about regular income. If the potential borrower does not provide data, the minimum loan amount is determined.

Sberbank credit cards are beneficial due to the presence of a grace period, when interest is not charged for using the loan. The grace period is 50 days, of which purchases are made during the first 30 days. In the remaining twenty days, you must pay off the creditor, i.e., credit the money to your account. Penalty for violation of obligations is paid at the rate of 36% per annum.

Visa Classic credit cards are available in three types: standard, Aeroflot, and Podari Zhizn.

Basic terms of service:

• credit limit - 300 thousand rubles. for mass offers, for individual offers the limit is 600 thousand rubles;
• regular loan fee - 27.9% per year, for special offers - 23.9%;
• annual service for a standard Visa Classic credit card from Sberbank - 750 rubles. /year, for “Visa-Aeroflot” and “Gift of Life” - 900 rubles. per year;
• The daily cash withdrawal limit for all carriers is 50 thousand rubles. for an ATM and 150 thousand rubles. at the cash register;
• fee for cashing out in the system of Sberbank and its subsidiaries - 3% of the amount, but 390 rubles. minimal;
• commission for cash withdrawals in other banking institutions is 4%.

Sberbank credit cards allow you to use bonus programs that correspond to the specialization of the carrier: “Thank you”, “Aeroflot-Bonus”, or participate in charity.

Activation of card media

After receiving a Sberbank card, no earlier than 24 hours after issue, the carrier must be activated.

For the procedure, the client is given an envelope containing an individual PIN code - a security code confirming the security of the banking transaction.

Activation is performed by inserting the card into the terminal slot. Select a service request, for example, “balance”.

To obtain the result, a PIN code is entered, after which the media becomes active. To avoid fraud, bank cards are not activated through a contact center or hotline.