Features of obtaining a Sberbank credit card. Pros and cons. Which card to choose. The nuances of using a credit card.
All cards of this company are protected by electronic chips from hacking. Among them there are offers that allow you to participate in charity, receiving special points for this.
Order Sberbank credit cards by contacting:
An order on the portal is carried out in several stages:
The system asks:
Credit cards from other banks the best conditions - grace period from 100 days, free cash withdrawal (up to 50 thousand rubles) and installments up to 12 months.
| Name, organization | Rate, fromThe size credit limit | Issuance fee Annual maintenance |
Credit limit Credit limit Up to 500,000 rubles |
Credit limit Credit limit Up to 300,000 rubles | Credit limit Credit limit Up to 350,000 rubles |
Want new promotions from banks and profitable offer by credit cards?
Clients with access to Sberbank Online are able to request a credit card issue in personal account service.
How to create an order:
In the questionnaire, some of the data is pulled up automatically, some of the information is entered by the user independently:
The results of consideration of appeals are informed in 1-2 business days. You can receive the ordered card in a few days: up to 10 working days. The reason is that all credit cards offered in 2019 are personalized, and it takes time to manufacture and transport them to the issuing office.
The exception is pre-approved credit cards. They are issued by the bank without prior application. Such offers are informed by phone and in Sberbank Online. Also, the existence of a ready-made credit card is reported when a debit card is provided (during its initial issue and re-issue).
The bank informs about the readiness of the order by:
A ready-made credit card will be provided at an additional office:
The actual location of the form is specified by the number 900 ( free phone call center consultants).
How to get a credit card in Sberbank ( general rules, regardless of the method of sending the request):
Sberbank does not provide remote cards. If you received an offer to apply for this type of loan in the mail, it is most likely a scam.
To take advantage of this offer, you should provide the following list of documents:
General requirements of Sberbank for ordering credit cards:
The minimum age for applying for a credit card is 21 years old.
There are no requirements for the existence of any income to customers applying for a credit card in Sberbank.
If the applicant is participating in a salary project, then, most likely, he will initially receive a pre-approved offer. Then you can count on a lower cost of the loan.
When applying for a credit card, it is enough to show your passport and fill out a form. You do not need to provide proof of income.
Credit cards are provided to pensioners in the same way as to other categories of customers. It is important that the product is available only to those who have not reached the age of 65.
Starting from 2017, the issue of youth cards with a credit limit has been suspended.
A credit limit is the amount that a credit card holder can borrow. The bank determines its size individually, taking into account many factors. Participants can count on the maximum amounts salary projects of working age with good earnings and with an ideal credit history.
The value of the credit limit stated in the offer to receive a pre-approved credit card is not final. The bank will adjust it upon consideration of the application.
Bankers refuse credit cards, for example, because of:
It is not allowed to own more than 1 card of each type. Therefore, if there is already one credit card of a certain type, then they will definitely refuse to receive a second similar one.
At the largest bank countries available special conditions for special categories of clients. Such conditions may include no fees for using and issuing a card, an increased credit limit, a low rate, and so on. Similar proposals are being developed in individually for clients:
To check availability special offer, you should contact the office of this company or call by phone. Often, messages about the individual design of cards come in the form of SMS or e-mail messages.
It is worth noting that preferential terms for pensioners, disabled people or young mothers is not provided. All credit cards are issued to such categories of persons on a general basis.
For the correct functioning of the credit card, you need to activate it. This action performed when contacting a bank employee or independently by requesting a balance on a card at an ATM.
Activation occurs automatically one day after receipt. The fact that the product is activated is notified by SMS.
To purchase an award ticket, you need a minimum 10 000 miles. Rewards can be used to upgrade the class of service on Sky Team flights.
"Thanks!" involves the accrual of bonus points. The minimum charge is 0.5%. Bank-friendly companies give "Thank you!" up to 20% of the purchase price.
Bonuses are accepted for payment by Sberbank friends at the rate 1 "Thanks!" = 1 rub. A number of companies allow you to pay with such bonuses up to 100% of the purchase price.
On MasterCard, the bank charges no more than 0,5% "Thanks!". Exception - World MasterCard Black Edition. On it you can get from the bank to 10% "Thanks!". There are no limits on the amount of premiums from Sberbank friends for MasterCard.
Allowed to charge no more than 5 000 "Thanks!" per 30 days.
To receive bonuses, they register at ATMs, in Internet banking or on the program portal. Otherwise, there are no charges.
Sberbank credit cards are created from the payment systems VISA and MasterCard. They are freely accepted everywhere. If you take a card with you on a trip abroad, then there is no need to indicate the fact of its movement across the border in the customs declaration.
It is worth remembering that foreign ATMs and payment terminals may not accept bank card, which does not have a protective electronic chip. Therefore, going on a trip, you should think about issuing just such a card. You also need to be prepared for the fact that you may be asked for a passport to verify the identity of the name in the passport itself with the one printed on the credit card.
Remember that all questions and doubts related to the functionality of a credit card should be resolved in advance - preferably a couple of weeks before the planned trip. This will make it possible to replace your card with a newer one if the possibilities of an existing payment instrument do not suit you in terms of its use abroad.
Sberbank card accounts are opened in Russian rubles, therefore, when paying abroad, including when receiving cash, conversion is carried out.
With a VISA card, the exchange takes place through American dollar, and for MasterCard - through the euro. For example, when paying in the euro area, VISA cardholders need to understand that the conversion will take place as follows: Russian ruble exchanged for the US dollar, and already it - for the euro. If you pay in Europe with MasterCard, then Russian currency directly converted to euro.
At the same time, it is worth remembering that the bank charges 1% of the transaction amount for the conversion procedure. It is also necessary to take into account the commission fee for cash withdrawal: abroad, the price of the service increases, reaching 4%.
If the trip is made to neighboring countries (Slovakia, Turkey, Serbia, Hungary and some other countries), then you can use one of the subsidiary ATMs of Sberbank. In this case, to the withdrawn amount of credit funds will be added 3% expenses, not 4% .
The advantages of Sberbank credit cards include:
In case of loss of a card or access to an account, Sberbank provides prompt support to customers. Therefore, it will be quite difficult for third parties to use your money.
All loan offers have a simple design. It is enough to provide a passport to receive a substantial amount of funds.
Each client can use the "Mobile Bank", receiving notifications about the expenditure of funds and replenishing his phone account in a matter of seconds.
Among the problems with credit cards from Sberbank, the following are noted:
If a service fee is provided, then the money will be withheld upon receipt of the card.
Ease of obtaining credit cards Sberbank is not a reason for non-return of funds. This company promptly sues the debtors, preventing the situation from dragging on. Therefore, profitable cooperation with this bank is possible only on fair terms.
Good in Gold level products from Sberbank:
It's bad that:
The main problem with credit cards with a grace period is keeping track of when the preference is in effect. It is important to keep track of the control dates, if necessary, contact bank employees personally and at 900.
Going on vacation abroad, parents do not always give a lot of cash to their children, for these purposes they issue plastic cards. Parents can easily keep track of all purchases and see how much money the child has left, but there are situations when cash is needed, and for this it must be withdrawn from an ATM. What should be considered when withdrawing cash from an ATM abroad?
Features of withdrawing cash from an ATM abroad
When withdrawing cash from ATMs in your host country, try to use ATMs of large well-known banks. Make sure that in front of you is a bank ATM, and not a small machine financial company or private bank. Such machines usually stand next to the `Currency exchange`. Smaller private banks tend to add their fees when withdrawing cash. As a rule, the usual commission for withdrawing cash from ATMs abroad is about 1% (sometimes 2%), but not less than 3-4 dollars. Thus, withdrawing very small amounts of cash from ATMs abroad is not profitable. Try to withdraw less often, but in larger amounts. Particularly harmful banks may set a cash withdrawal limit of $ 200 in cash equivalent for one transaction for their ATMs. Pay attention to this and try to find more loyal banking machines. Also remember that checking your balance at a foreign ATM will be charged, so try not to use this feature. If you are waiting for the transfer of money to your card, then it is better to try to withdraw the expected amount and receive a free transaction authorization refusal than to check the account balance for a fee.
As a rule, all foreign ATMs have an English user interface, while the Russian language is almost never found. The following phrases will be helpful:
If you are a bank card holder of a popular international payment Visa systems or MasterCard, you can be 99.9% sure that you can pay for it abroad at any point of sale where they accept cards for payment. But it may turn out that your card is completely unsuitable for paying for purchases abroad due to the unfavorable conversion rate in your bank, the presence of an additional conversion commission and other fees that are not always found in official tariffs.
That is why when planning a vacation or business trip abroad, it is necessary to think over the issues of payment by card in advance. In this article, you will learn how conversion takes place when paying with a bank card abroad, and you will find useful tips and tricks on how to choose the right card so that conversion losses are minimal or completely absent.
Issuing bank - the bank that issued the bank card.
Acquiring bank - a bank that organizes the processing of card payments at a point of sale (in official banking documents, various stores and services for providing various services are usually called trade and service enterprises(TSP).
For example, for Corn (and for many other cards) it is enough to call hotline and warn about the upcoming trip, and using the Tinkoff card, the dates of the planned trip can be indicated in the Internet bank.
3. Your card must be with a chip (with embossed letters and numbers) and personalized. The chip makes card payments safer, especially since there are fewer and fewer devices in the world that support plastic with a magnetic stripe. An embossed card can, although in rare cases, come in handy if the seller makes a slip (an imprint of embossed bank card details on a check to confirm the operation) on the card. The absence of a first and last name can also be faulted.
4. It is advisable to use a credit card to book hotels, air tickets, railway tickets and other services (for example, car rental). In this case, the amount from the credit limit (in fact, bank loans) will be reserved (hold) on the card as a reservation. It will be possible to pay for the service on the spot with a debit card, after which the reservation will be canceled and the funds on the account will be released and will become available again.
Reserving funds on a credit card IS NOT a waste, so you will not have to pay interest on it. And if you used a debit card for booking, then the reservation would make your funds unavailable (albeit temporarily), which can be used for more necessary purposes.
As a payment abroad, you can use both debit and credit cards with equal success, just do not forget about choosing the right one to reduce conversion costs.
5. Always keep a sufficient supply of funds on the card- do not spend the entire balance "under zero" so as not to fall into (unforeseen credit due to debiting the amount from the account more than it had at the time of debiting the funds - for example, due to an increase in the exchange rate at the time the operation was processed).
6. If you are offered to pay for the purchase abroad in your native currency (in rubles), then REFUSE, and insist on paying in the currency of the country where you are located (local currency). The so-called system of instant currency conversion DCC (from the English Dynamic Currency Conversion) is in operation. It can be "encountered" in Poland, China, Thailand and some European countries.
The client is offered to carry out the operation in his usual currency (the type of currency is determined by the card number, if specifically, then by the BIN - the identification number of the issuing bank, more about). Write off from card account client in the end is exactly the amount in its national currency(in our case - in rubles), which he will see on the terminal screen.
It seems to be convenient - you immediately see the price in rubles and make a decision on payment. In addition, you insure yourself against the risks of paying much more if there is a strong change in the exchange rate at the time of the actual debit from the card.
But as a rule, the fee for the DCC service is much higher than the possible losses for the conversion on the part of the issuing bank, and can reach 5-6%. That is why all respected banking forums and websites recommend refusing such a service ( real reviews to help you - google it yourself). In some cases, for "convenience" you can overpay a not very large amount - 1 or 2%, but if the currency of your card matches the currency of the transaction (for example, dollars), which does not imply any conversion on the part of the issuer, then your losses will be significantly higher.
7. Do not neglect the rules of safe use of the card and modern payment technologies. are the same in any country in the world and it is better to follow them so that your card or its details do not end up in the hands of a fraudster, and it makes sense to say a few words about technologies. It will be good if your card supports instant contactless payment PayPass/PayWave(). When paying, you will use a card to a minimum and not dial a pin code (up to a certain amount) - this is fast and convenient.
Even better, if your bank knows how to work with payment services such as Apple Pay, Google Pay, Samsung Pay and more, and your smartphone has a built-in NFC contactless payment chip. When using such services, when paying, the card number and other data are not transmitted - a certain virtual sequence of numbers (token) is transmitted in encrypted form, which is decrypted by the payment system. The use of such technologies () allows you to make payments many times safer than the classic payment by card.
A big plus of the bank is the ability to open online (aka a safe account), where you can store your funds (they will also charge interest for this) and quickly (through mobile bank) transfer part of the funds to the card. If the card is compromised, the fraudster will not get to your account.
Release when possible additional cards to the main account and use them, but hide the main card away and do not “shine”. If the bank allows you to set limits on transactions (withdrawals and transfers), then reduce them to reasonable limits so that the card in case of theft does not become a source of large income for the fraudster.
After analyzing the provided information, you will be able to more thoughtfully approach the choice of a payment card for payment with its help abroad. It is better to take care of this issue in advance and draw up a profitable card for yourself than to bite your elbows later because of wasted thousands, “thanks” to bank commissions and an unfavorable conversion rate.
Settlement abroad: choosing the best card for travel
5 (100%) 4 votesTo acquire a card with which it would be equally profitable to withdraw money from foreign ATMs, and pay without commissions in foreign boutiques, and so that the Bank does not block the card with or without reason, is the dream of any traveler. Let's try to pick up such cards for the traveler and find all the pros and cons of each of them.
Let's make a reservation right away that this review is not dedicated to various kinds of mile cards - i.e. cards whose loyalty programs are focused on accumulating various miles, points, bonuses, with which you can then fully or partially compensate for flights, hotel stays or car rentals. This will be the subject of a separate review. Today we are talking not so much about cards that allow you to fly to warm climes for free, but about cards that will allow you to comfortably and profitably pay for purchases and withdraw cash when you have already set foot on foreign territory.
Before we start choosing the best card for traveling abroad, we will describe how the principle of payment works when paying with a ruble card in one of these foreign stores or withdrawing cash.
If you buy something in a currency other than Russian rubles, dollars and euros, such as Thai baht, or withdraw cash in this local currency, then at the time of payment or withdrawal at an ATM, the withdrawal amount in this currency is converted into dollars at the rate of payment systems (Visa or Master Card).
Suppose that on June 26, 2017, you made a purchase in the amount of 3719 Thai baht in one of the stores in Bangkok, used the ruble Master Card for payment. So, in terms of the Master Card rate in dollars, your purchase will be 109 dollars 44 cents:
Approximately how many dollars would it cost to buy Visa card, the exchange rate of the baht to dollar payment system is almost the same:
If the payment card were not in rubles, but in dollars, then everything would be over - your dollar card would be debited with this amount of dollars without additional commission from the Bank, because the currency of the payment system and the currency of your payment card are the same.
But we paid with a ruble card, which means that the final payment has not yet been made on this. The bank servicing your card (issuing bank) received from the payment system the amount of your purchase in dollars. Now the Bank will deduct this amount in rubles from your card account at its own exchange rate, and this is where the fun begins, because each Bank sets its own rate for purchases and cash withdrawals. For some Banks, such rates are prohibitively high, for some, the “cheat” is “average”, but there are those who do not “profit” from this at all, and write off the purchase at the honest rate of the Central Bank.
Our task is to find such cards, the Banks of which “cash in” on the exchange rate at a minimum, so that our purchases abroad are as profitable as possible.
Of course, the conversion scheme described above works not only for purchase transactions, but also for cash withdrawal transactions, only an ATM is used instead of a payment terminal. A Bank, which will send information to the payment system for recalculation local currency in dollars, there will be a Bank servicing this ATM.
In this case, the conversion rate from the local currency to dollars (the rate of the payment system) will be exactly the same as for the purchase operation, and the rate at which your servicing Bank will ultimately convert the dollars issued by the payment system into rubles may differ from the rate for paying for purchases and usually for the worse.
Those. cash withdrawal, in any country of the world, always costs more than buying by card.
Therefore, if possible, if you can pay with a card in a store, do just that, and only if only cash is accepted at this outlet, withdraw cash from an ATM.
In this way,
Briefly, all of the above is described in this picture, prepared by the editors of Tinkoff Magazine:
One more point:
This usually occurs 3-7 days after the operation. Thus, the final amount of the actual write-off may differ from the initial amount withheld at the time of payment - it all depends on the difference in rates at the time of payment and the time of confirmation. This situation is well described on the "Exchange rate" page on the Rocketbank website:
Now that the "kitchen" of calculating the purchase from one currency to another is clear, let's move on to the main thing - the choice perfect card, which has the same internal exchange rate will be the most beneficial.
Talk about profitable cards for traveling abroad and not mentioning the Corn card - it's like going into the sea up to your throat and not swimming.
And all because it is with this card - by the way, one of the few that have such a great advantage - that payments for purchases abroad are made at the rate of the Central Bank. Thus, the same internal rate of the Bank, which we spoke about in our scheme above, is absent from “Corn”. In addition to the purchase, 5% will be “reserved” from the card account, but they will return in a few days, when the account will be debited and the final payment will take place:
This advantage makes the card one of the most profitable for making purchases abroad.
You can get a card in 10 minutes at any Euroset office:
To get a card, you will need to immediately deposit 100 rubles on it. Of course, because the card is issued instantly, then it is unnamed, the Master Card Standard category without a chip and PayPass.
When paying with such a card abroad, problems may arise due to the lack of a chip and / or the absence of the name and surname of the cardholder - stores may refuse to carry out the operation. But this oversight can be corrected by replacing the received Corn Master Card Standart card. To do this, issue a personal chipped Master Card World PayPass card in your Kukuruza personal account:
The card will be delivered by Russian Post, the delivery cost is 200 rubles:
You can top up the card for free:
Thus, there are no problems with replenishment and use of the card. Even when you are abroad, you can always easily and quickly top up "Kukuruz" from the card of the same Sberbank and immediately be able to pay with it at a favorable rate.
So, at the output we have a full-fledged card of the Master Card World PayPass category with a fully free service, a wide network of replenishment points, as well as with the possibility of replenishing from any card in the amount of 3,000 rubles or more and converting purchases made abroad at the rate of the Central Bank. This is quite enough to take "Corn" on holiday abroad as the main source of payment in stores.
If you want to not only buy abroad using the Corn card at the Central Bank rate, but also withdraw cash at the same rate, then the card becomes not entirely free - for the possibility of withdrawing cash currency at the exchange rate of the Central Bank, you will have to pay for connecting the “Interest on the balance” service. Before going to Euroset to connect the service, make sure that there are at least 259 rubles on the card account - this money will be frozen on the card while the service is in effect, while they will accrue interest on the balance:
This money (259 rubles) will be unfrozen and returned to the card account as soon as you deactivate the service.
In order to use the service for free, it is necessary to fulfill any of the following conditions every month from the third month after connecting the service:
Now, when the service is activated, you can withdraw at any ATM in the world that accepts Master Card cards, monthly up to 50,000 rubles per month in ruble equivalent, but not less than 5,000 in ruble equivalent for each withdrawal, otherwise the commission is 1% of the withdrawal amount, but at least 100 rubles:
In addition to the possibility of withdrawing currency at any ATM in the world at the rate of the Central Bank, with this service you will be charged monthly from 3 to 7.5% per annum on the account balance - depending on the amount of the balance:
Having a “Corn” card, you can buy currency at a favorable rate using the Corn Currency Wallet. We wrote about how to do this in our review. Of course, you can receive dollars bought with a foreign currency wallet only in Russia, but you can do this in advance before traveling and refuse to test in search of ATMs abroad in order to withdraw cash. Then the service "Interest on the balance" may not be useful to you.
The only fly in the ointment in this barrel of honey is the card issuer. The fact is that the non-banking settlement company issues the "Corn" cards. credit organisation"Payment Center". Despite the fact that this is not a bank, the organization is very serious, with high liquidity, serves and issues cards for many Russian banks. But nevertheless, the positive reputation of the organization does not relieve it of the fact that the funds placed on the "Kukuruz" card are electronic funds and are not insured by the DIA, if something happens to RNCO "Payment Center". If this is a significant disadvantage for you, forcing you not to use the "Corn" card for settlements abroad, we offer several more profitable options.
Tinkoff Black cards have a conversion rate, although not at the rate of the Central Bank, but at the internal rate of the Bank, but this rate is good because during the hours of the exchange it almost coincides with the exchange rate. Thus, if confirmation of your purchase made abroad with the help of the ruble Tinkoff cards Black, in the end, funds will be debited from your card at a “fair” rate.
The card also has a cashback for everything - 1%, and even "favorite" categories with 5% cashback, which also work abroad:
Thus, thanks to the cashback program for debit cards Tinkoff Black exchange rate difference can be "knocked out" due to cashback.
But this does not eliminate the fact that the conditions must be met for the card to be free:
You can also issue a dollar card - in this case, if the purchase is made in US dollars, then you will avoid all conversions and commissions, but like the ruble card, it will be shareware.
Details of the Tinkoff Bank card can be found in our large review
If you are not satisfied with the need to comply with the conditions for the sake of a free Tinkoff Black card, the following option may suit you.
Unlike Tinkoff cards Bank, the Rocketbank card is free without conditions - both in rubles, and in dollars, and in euros. Like Tinkoff Bank, there is also a 1% cashback on all purchases, which can partially cover the commission of the Bank's internal rate. True, the cashback here is in the form of rocketrubles, but having accumulated 3,000 such rocketrubles, they can really be exchanged for 3,000 real rubles, we talked in more detail about the cashback on the Rocketbank card in, we will not dwell on this here.
Although Rocketbank's conversion rate does not coincide with either the Central Bank rate or the exchange rate, it is not particularly outrageous in itself. So, with the Central Bank rate of 59.39 rubles, the Bank's rate was 60.65 rubles:
Thus, the Bank's spread is just over 2%. But with a dollar card of a rocket bank in dollars, there will be no spread or commissions, and at the same time, you won’t have to worry about fulfilling the conditions for a free card, like with Tinkoff Bank - the card is free without any conditions.
The card, although it is the brainchild of Rocketbank's online Bank, has a wide network of offices parent bank– Bank of Discovery, in which you can replenish currency card or a currency account, or, conversely, to withdraw currency if necessary. In the case of the same Tinkoff Bank, even when using a dollar card, you should always rely only on the availability of currency in other people's ATMs, which has sometimes been a significant problem lately.
The Rosgosstrakh Bank travel card successfully combines all the qualities necessary for a traveler: it is beneficial to buy tours, air tickets and hotel accommodation with a cashback of up to 10%, as well as withdraw cash abroad in the amount of up to 25,000 in ruble equivalent without the Bank's commission, and for all purchases and on the account balance, the Bank will also accrue cashback in the form of Onetwotrip bonuses:
The conversion rate on the traveler's card takes place at the rate of the Bank, which, by the way, is even more profitable than the rate of Rocketbank:
With such a set, the RosgosstrakhBank travel card can really become a full-fledged, reliable card with a favorable purchase rate abroad and many bonuses that can compensate for part of each next trip. We recommend that you familiarize yourself with what we did not so long ago!
With the MTS Money-deposit card of MTS-Bank, with the “Travel” option connected, you can receive many bonuses for your passion for travel and relatively profitable shopping abroad:
You can get a card at any MTS salon, replenish for any amount from a card of another Bank using, and withdraw cash for free at any ATM of MTS Bank, Sberbank and VTB24.
Of the minuses of the card, it is worth noting that the rather high cost of maintenance (590 rubles per year for servicing the card itself and 1300 rubles per year for servicing the “Travel” option) and the inability to make the card unnamed - on the MTS Money-Deposit card, the name of the holder is not applied, because it is an instant issuance card and there is no option to change it to a nominal one, even if it is reissued.
But the card has one of the most favorable bank conversion rates for purchases made abroad:
On the market banking products finding a card for a traveler is probably not a problem - perhaps such cards are now almost in the arsenal of every Bank. It is another matter to select cards with the maximum benefit from this variety, taking into account the peculiarities of converting purchases abroad.
We have tried to select for you the most advantageous offers from all that can now be found. If you found a better map and don't see it in this review, write about it in the comments. We will carefully study it and can place it in this review.
