Visa is one of the most widespread international payment systems in the world. Its owners can make electronic payments in more than two hundred states. Visa card It is also convenient to pay online. This function is supported by credit cards and debit "plastic", as well as specially issued for these purposes virtual card. You will learn more about the features and varieties of Visas from the article.
2. The Visa card can be opened in any currency. You can link it to several accounts, for example, in rubles, US dollars and euros. Upon payment, funds will be debited to desired currency(automatically or at the choice of the owner).
3. The main currency of the cards is the dollar. You should take this into account when traveling abroad or shopping on the Internet on foreign sites, so as not to pay for a double conversion.
4. Exchange rate by Visa it is available to find out in advance, before the conversion. There are commission fees for the operation.
5. For credit cards Grace period lasts from 30 days. It starts counting from the date of the first purchase.
6. There is a restriction on issuing cash at ATMs of a different bank that issued your Visa card. The limit is 10 thousand US dollars per month.
Not all Visa cards are available in individual states and even regions. This may be due to the peculiarities of the legislation of the country itself or restrictions payment system. The line of the most common Visa cards in Russia is represented by 6 main types. All of them can be both debit and credit. 1. Visa Electron card. The representative of the simplest, initial level. Often has limits on the limit. In order to avoid overspending by the owner of his own or credit funds, the bank must confirm all card transactions online.
Visa Electron can be obtained by customers without experience in using cards, who do not have a credit history behind them. Often this "plastic" is used to calculate salaries, pensions, scholarships, social benefits. It is possible to pay by card on the Internet if it is provided for by the conditions of the issuing bank.
2. Visa Classic card. A classic universal tool for paying in stores, including the Internet. Unlike the previous type, it provides for offline authorization. This means that you do not need to wait for the bank's approval to complete the transaction. The required amount will be debited from the client's account, and the payment information will be sent to the bank at the end of the day.
3. Visa Gold card. The first of the premium category cards. Highlights the status of the owner, allows you to use privileged services:
4. Visa Platinum. All of the above benefits Visa Gold The following services are additionally provided:
5. Visa Signature
- "plastic", designed for demanding customers. In addition to the services provided by the Gold and Platinum cards, it gives its owner the following benefits: 
6. Visa Infinite. The most prestigious card from the Visa line. Banks do not issue it by order, but offer it to especially wealthy clients. To do this, you need to have on your account amounts in the hundreds of thousands of euros, dollars or millions of rubles. Each bank has its own minimum requirements.
The Infiniti card enables its owner to enjoy all the benefits provided for Visa cards. As part of the travel insurance program, the maximum that can be received upon the occurrence of insured event, is 3 million US dollars.
Also, the payment system is represented by other types of cards that are not issued Russian banks. For example, elite Visa Black Card. It is not made of plastic, but a special material - carbon fiber. High requirements for registration allow no more than 1% of US residents to become its owners.
For companies representing small, medium or large businesses, there are Visa Business electronic card, Visa Fleet(focused on companies engaged in motor transport), Visa Business Credit or Visa Business Debit.
Visa Buxx designed for teenagers. Parents can credit it with "pocket" funds and control their spending.
Visa Virtual is an analogue of the usual debit card, but created specifically for online payments. It does not have a physical carrier, is not named and is cheaper to maintain than other payment cards. Wherein virtual visa It has:
At the request of the client banking institution can release "plastic" with all the usual attributes:
For getting Visa internet cards do not need to write an application to the bank. Application is available online. After payment, the owner will receive the necessary details for making payments on the network. The card can be linked to an electronic wallet of many payment systems (for example, Yandex.Money or Qiwi).
A Virtual Visa is available for purchase for yourself or as a gift. It is convenient to pay with it not only on Russian, but also on foreign sites. Card currency - Russian rubles, US dollars or euros. For those services that do not work with Russian users, there is a special dollar Prepaid Visa Virtual Card. You can issue a card with a fixed denomination (for example, 10 or 50 dollars) or order with a personal limit.
The interest rate on Alfa-Bank credit cards starts at 23.99%.
8. Additional ways transfer to the card for Visa cardholders.
All Visa cards have the same mandatory elements that:
There are differences only in that on cards without a relief image, the card number and data are printed on the front side. Such “plastic” is smooth, without convex fragments.
The main characteristics of Visa cards:
Visa Electron cards have some differences:
Among the many banks, the most popular and using a high degree trust is Sberbank of Russia. Like any financial institution, it offers many services. Cards Visa of Sberbank is a popular consumer product. Why do customers choose this payment system? What types of Visa cards does Sberbank offer?
All over the world there are 2 main types of bank payments: MasterCard and Visa. What is their difference?
Firstly, they initially had a different distribution: Visa is more often used in the countries of America, Australia, and MasterCard - in Europe and Africa.
Secondly, these systems perform currency conversion differently (as a consequence of the first difference). Visa operates US dollars, when using such a card in Europe, money is converted first into local currency, then into US units. When using MasterCard, the conversion occurs immediately into European money. Accordingly, these systems are good in application in different territories. But Visa's recalculation commission is not high compared to MasterCard, so even a double conversion will come out to about the same amount.
The Visa payment system, even with double conversion in the European territory, does not charge a large commission (it depends on the bank), therefore it is the most universal in use. This system is chosen by the majority of residents of modern countries, as well as residents of the Russian Federation. It allows you to use a wide range of international class services.
Sberbank works with this currency system. The Visa card is a popular product, presented in different statuses and types, has a different set of functions and privileges.
While providing the most different services In most cases financial institutions issue plastic cards. This is convenient, because in this case it is possible to operate with money without having direct access to them in paper form, which is not always convenient. Sberbank Visa cards are both credit and debit. They are designed for different purposes and have special terms of service. Debit cards are more often used to manage their own accounts, employers transfer such salaries to their employees, sellers and buyers operate with them when making indifferent payments and receiving payments for goods both in online stores and in retail outlets. In other words, such a card replaces a client's wallet with their own money. At the same time, the commission for withdrawal or transfer is usually not charged, and for some banking programs there are many bonuses and accruals on the balance of interest after a certain period.
The credit card contains a certain limit of funds belonging to the bank, the client can use them for their own purposes with the condition of their return. This is convenient in cases where there is not enough own money to fulfill needs. A credit card can perform the listed functions of a debit card, but in most cases a commission is charged for transactions, although its availability and amount are determined by the bank.
The choice of one or another type of service depends solely on your needs. Sberbank Visa cards are both credit and debit. Next, consider their types, conditions for obtaining and servicing.
Range banking services so wide that every consumer can find the most suitable product for himself on the most favorable conditions. Just look at the range of programs offered by Sberbank. The Visa card is presented in it in different types, all of them have a special set of functions, capabilities and are arranged in ascending order of "status". Accordingly, the higher it is, the wider the possibilities of the card, the more expensive its maintenance, but at the same time, the degree of security organized by the bank and the quality of services are increased.
Most simple conditions issuance, maintenance and service includes the Visa electron card. Sberbank provides an opportunity to receive it instantly (Momentum) when contacting a branch or order a personal one. Debit card, no overdraft. The possibilities and terms of provision are explained in the table below.
Card type, payment system | Visa electron Momentum | |
Ruble, US dollar, euro | Ruble, US dollar, euro |
|
Card validity period | ||
Not charged | 300 rub. |
|
Electronic chip | ||
Additional cards to the account | ||
Client's age for registration | 14 years old (primary) |
|
Issuance period | On the day of application | 2 weeks for consideration of the application + 14 working days for issuance |
Thank You Bonus Program | ||
Russia + subsidiary banks abroad |
||
Sberbank-Online, Mobile bank | ||
Both cards provide access to the minimum required set of services. If you need a tool for use only on the territory of the Russian Federation, for receiving a pension, benefits, then choosing a Visa Sberbank card instant issuance is the optimal solution. If you need a simple system with additional cards (for example, for family members), it is most rational to use a nominal Visa electron, it is additionally protected by a chip, which increases its level of security.
Visa card Classic Sberbank has an international level and an expanded range of opportunities, which is why it is most common among consumers of banking services. It can be both debit and credit, which allows you to choose the most suitable option for yourself.
The characteristics of the Visa Classic debit card are presented in the following table.
Card type | |
Ruble, US dollar, euro |
|
Card validity period | |
Annual maintenance cost | 1st year: 750 rubles (25 USD/EUR) |
Electronic chip | |
Additional cards to the account | |
Client's age for registration | |
Issuance period | After consideration of the application |
Thank You Bonus Program | |
Territory of use (non-cash payment, cash withdrawal) | Russia, other countries where Visa is accepted for payment |
Remote account management (Sberbank-Online, Mobile Bank) | |
Use under a payroll contract |
Main advantage classic card Visa of Sberbank is the ability to pay remotely for any purchases and bills, connect auto payments, control your account remotely by linking phone numbers, email address, electronic wallets to the card. And most importantly - the availability of the payment system around the world.
Sberbank Visa Classic credit card is described in the table below.
Payment system | |
Card validity period | |
Loan interest | |
Grace period | Up to 50 days |
Annual maintenance cost | 0-750 RUB/year* |
Electronic chip | |
Release additional cards to the account | |
Credit limit | Up to RUB 600,000* |
Commission for non-cash transactions | Not charged |
Cash withdrawal fee | 3% when using the Sberbank terminal; |
Note:
* - subject to availability personal offers and bank decisions after consideration of applications.
The card also allows you to remotely manage your account, connect automatic payments, pay for purchases around the world. Credit terms compared to the offers of other credit organizations, they are one of the most profitable, because its use will not hit your pocket.
The Sberbank Visa Gold card has the most privileged set of services. It has been assigned a high status, an increased level of security, and when paying for purchases around the world, you will receive privileges and discounts.
Just like a classic, a gold card can be credit and debit. Both options apply additional features receiving discounts, paying utility bills and other bills, connecting auto payments, etc. To the standard package of services added the ability to receive medical care around the world.
Sberbank's Visa Gold debit and credit cards can participate in charity: 0.3% of the amount is transferred from each purchase to the Podari Zhizn fund, which provides assistance to seriously ill children. In addition, the bank transfers income from servicing the card for the first year in the amount of 50%.
The card is suitable for those who travel around the world, operate with large amounts, make a lot of purchases, and take care of the security of banking services.
Premium cards have extra bonus- free provision mobile bank and Sberbank-online.
If you need a plastic card bank, choose Sberbank products. He is one of the few state support, the least subject to economic fluctuations in the world, has a reliable system of security and protection of client accounts. Service of the Visa card of Sberbank is on high level at relatively affordable prices for each category and a set of services.
The article highlights the main types of cards, there are also many offers with a set special conditions: youth, Aeroflot, Premium, virtual, including bonus programs, reduced fares, accumulation of miles, etc. Thus, everyone will be able to choose a package of services according to their pocket and needs.
Thanks to bank cards, most of the regular payments become available from any computer or your own mobile phone. The comfort and reliability of Internet banking is recognized even by staunch skeptics.
The Momentum card is the most affordable among Sberbank's plastic products. Combines fast issuance, free service and the minimum set of required functions of classic maps:
Unlike Classic, Gold and premium cards, Momentum has low limits for issuing money (up to 100 thousand rubles per month), does not provide for emergency cash receipts abroad in case of loss or damage to plastic, has a uniform design, it does not indicate the name of the owner.
Instant Visa / Mir / MasterCard is issued within 10 minutes after the request. The product is available in every bank office, ready for issuance. It is enough to present a passport, fill out an application, sign an agreement.
The card is issued and serviced free of charge. The holder replenishes it, pays for purchases in foreign stores, uses remote access to the account via the Internet and mobile phone, without any problem.
In case of loss of plastic or PIN code, reissue is not performed. You will need to close your account and open a new one.
Unlike classic and other Sberbank cards, only the number, expiration date and CVC code are indicated on the instant card. However, the product is not nameless. The card account belongs to the client, it is opened in accordance with his passport data. If you want to make a payment that requires entering a first and last name, it is enough to know them in Latin.
If you don't know the exact spelling, you can:
without filling out the application in full, enter your last name and first name in the appropriate fields as in the passport, the system will automatically show the spelling in Latin;
Outwardly, the difference is noticeable in the absence of a surname and a more restrained design in green. An unnamed card, compared to a name card, offers fewer opportunities to the holder:
Sberbank instant card is issued free of charge. The customer can use it without any service charge. For those who wish, paid services are available, such as mobile bank, mini-statement, cash withdrawal from third-party banks.
Services that Momentum holders use for free:
Momentum Visa / MasterCard allows you to:
Visa and Master Card Momentum are served by international payment systems and allow you to pay via the Internet all over the world. The number, CVC code and expiration date are indicated on the plastic. For payment on many sites, this is enough.
Often the name of the holder is required for payments. It is not indicated on the plastic, since the release is made in advance, it is issued to the hands on the day of application. However, when processing documents, passport data is entered into the bank database, and the payment system "knows" the name of the holder. Your task is to find out its spelling in Latin - using another card, at a bank or on a website.
The differences between Momentum and Classic, Gold and the rest are hardly noticeable with daily purchases in supermarkets, utility bills and other regular payments.
Restrictions manifest themselves when it is necessary to pay or withdraw cash, the amount is more than usual:
There is a 0.75% fee to receive cash overlimits. Restrictions in third-party banks are not provided. However, you will have to pay a commission of 0.75 - 1%, at least 150 rubles.
Tariffing Momentum can be compared with the basic package for cellular communications. The subscriber receives a SIM-card, has the ability to receive incoming calls, call within the network for free. If you wish to use additional services the client pays for them by seconds, by megabytes. Prices in this case noticeably lose to "package".
However, if there is no need for service packages and if they are rarely used, paying for them separately remains profitable.
Far from relevant for everyone:
At the same time, many are in demand:
In such cases, it makes no sense to pay from 450 rubles a year for servicing a classic product. Enough plastic with a minimum set of features.
If you need a service that is not included in the Momentum package, it is more profitable to pay for it separately.
Why doesn't the bank charge a service fee? For non-cash payments at checkouts and on websites, the bank charges a 2% commission from the seller. This generates enough income for the bank not to require payment from customers. Release unnamed cards comparatively cheap.
Sellers benefit from non-cash payment, as it saves them from having to work with cash.
A lot of questions have appeared on the network that Momentum cards are no longer issued. This is not entirely true. On March 1, 2016, Sberbank stopped issuing Visa Electron Momentum and Master Card Maestro, they were replaced by instant cards.
The cost of servicing Electron and Maestro was 300 rubles a year. It was possible to order a second card to the account. The monthly limit on the issuance of cash through Sberbank was 500 thousand rubles. Participation in salary projects was allowed.
Instant card account currency can be: ruble, US dollar or Euro.
The R mark on the front of the plastic is made to indicate a link to a ruble account.
You can pay with Momentum R wherever Visa and MasterCard are accepted, at retail points of sale, in online stores, regardless of their location and the main currency with which they work.
When paying bills in a currency other than the card account, the bank will automatically convert it at the current rate. Often sellers offer prices in several currencies, including rubles. For example Aliexpress. In most cases, such an exchange is disadvantageous to the buyer. It is cheaper to pay in the seller's currency by entrusting the conversion to the bank.
Free cash withdrawal is limited - 50 thousand rubles. per day, 100 thousand per month. In excess of the indicated amounts, receipt is available with a commission of 0.5–1%.
Both payment systems are international, have fast technical support, work all over the world, the difference in capabilities is almost imperceptible. Sberbank serves both products at the same rate.
Differences between Visa and Master Card can be seen during travel and leisure thanks to affiliate programs.
Among the partners of Visa, there are mainly firms offering privileges to travelers and shoppers abroad:
You can make everyday purchases in a large retail supermarket, for example, in Auchan, spend leisure time in individual chain cinemas and cafes at a discount using MasterCard.
As noted above, the functionality of the national payment system card is noticeably inferior to Visa and MasterCad, especially in that it can only be used within the Russian Federation. But, this card will be useful for residents of the Crimea, or for those who are going to go there, since the plastic of other payment systems on the territory of the peninsula does not work.
Differences in the functions of payment systems Check out detailed description programs, up-to-date lists of their participants and promotions on the websites of payment systems. Evaluate the usefulness of the suggestions for yourself.
If you do not have the time or desire to do analysis, you can choose any. The quality of services is comparable, high. Sberbank services are available with both cards in the same amount.
It will take no more than 10 minutes to complete:
Terms of Service
The Momentum debit card from Sberbank is issued to everyone on general conditions in any branch without registration via the Internet.
Online clearance is also available for Credit Momentum.
The requirements for credit card holders are more stringent than those for debit cards:
Existing customers of Sberbank can apply for a preferential loan Momentum with a reduced interest rate.
In circulation, a Sberbank debit card without service charge is not much different from a regular Visa and Master Card, except for limits.
Available services:
One of the main reasons for applying for an instant card is the need for one-time or occasional transfers.
Important! Since 2017, the transfer of benefits and other regular budget payments is not allowed to accounts operated with the participation of international systems payments. You will need to get a MIR card or a current account that is not tied to plastic.
Limitations in the work of Momentum are noticeable when cashing out large amounts.
Sberbank does not limit the receipt of cash in other credit institutions, but takes a commission from 0.75 to 1%. The third-party bank also usually withholds its interest.
Momentum implies an independent choice of a PIN code, it can only be set through the terminal. Activation occurs one day after the code is set or after any operation with its input. It is impossible to set a cipher or activate a card via the Internet.
Having received Momentum in your hands, activate it at an ATM, for this:
The card is activated. Without leaving the ATM, you can connect a mobile bank and get a login and password to use Sberbank-online. The terminal menu is friendly and usually does not raise questions about how to find the right items.
In case of difficulties or inexperience, there are employees in the customer service rooms whose duty it is to advise on any questions about the services. You can ask for help. It's free.
Summarizing the described advantages, we highlight:
Features that many regard as disadvantages:
In the store and how to correctly insert a card into an ATM, then this article is for you. By remembering the simple rules outlined here, you will no longer be nervous about a plastic bank card.
To pay with a bank card in a store, restaurant, beauty salon, train station, in general, any outlet, it is necessary that it be equipped with a payment terminal (POS terminal).
If a trade and service organization accepts bank cards for payment, it notifies about this with stickers with logos of payment systems: Visa, MasterCard, Union Pay, MIR, etc. on the doors of the institution and at the checkout. If you do not see the stickers, then ask the staff if they pay with bank cards.
POS terminal(eng. Point Of Sale - point of sale) is an electronic device that allows you to pay for purchases from a bank payment card. Equipment for non-cash payment for purchases differs depending on the model; obsolete terminals can only serve cards with a magnetic stripe. Modern POS-terminals can serve magnetic stripe cards, cards with a chip (smart cards) and contactless cards.
There are two ways to pay with a bank card: transferring it to the cashier, where he himself carries out the payment procedure and self-payment, when the card is not transferred to the wrong hands, and the payment terminal is available to the client.
Magnetic stripe cards are slowly starting to disappear from Russian market, this is due to their low security. Information on a magnetic stripe is easy to copy and fake, fraudsters actively use it, and besides, magnetic stripe cards wear out faster.
To pay with a magnetic stripe card:
In some terminals, you can sign with a special pen on the screen, and not on the receipt. It is more convenient for both the cashier and the customer.
The main security rule with payment cards: if you hand over the card to the cashier for payment, the entire procedure must take place in front of your eyes.
The situation is not acceptable when a trade employee takes the card and leaves with it (for example, in a restaurant or cafe). While you do not see it, it can, for example, save your personal data indicated on the card and use it to pay for purchases on the Internet or resort to other types of fraud.
In Russia, as well as throughout the world, cards with a chip are gradually replacing magnetic cards, Sberbank stopped issuing cards with a magnetic strip on July 1, 2013, all of its cards are now issued with a chip.
It should be noted that it is difficult to find a chip card in its pure form, all of them are produced together with a magnetic stripe. This is due to the fact that not all trade and service enterprises there are terminals serving chip cards. For the convenience of customers, if it is impossible to read information from the chip, you can use a magnetic stripe.
If your payment bank card has a chip, that is, a built-in microcircuit, then you need to insert the card all the way into the terminal's chip reader with the chip up, enter the pin code and wait until the operation is completed, and then pull the card out of the terminal.
If the PIN code is entered incorrectly three times, the card will be automatically blocked. You do not need to put your signature on the check, the entered pin code is an electronic signature.
The technology of contactless payments at the international payment Visa systems is called payWave, from MasterCard — Paypass. In the people, all contactless cards began to be called PayPass (drink pass).
The most convenient and fastest non-cash payment is. Paying by phone is easy and simple - no need to carry payment cards with you. This feature is available to owners of certain phone models using applications Apple Pay, Android Pay or Samsung Pay.
For those who have an Android smartphone, you can check the possibility of contactless payment using the Android Pay application.
For Samsung phone owners, check if you can pay with Samsung Pay
You can only pay with Android Pay or Apple Pay at merchants that support contactless payment. Where there are radio wave icons. Samsung Pay payment is possible wherever there are POS terminals. This is due to the fact that Samsung uses not only contactless NFC technology, but also magnetic data transmission MST.
Enjoy the shopping!
Nina Polonskaya
