Card production time
In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 business days, in the regions, production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are available.
When issuing a card, only working days are taken into account. If you order it on Friday evening, then the production time will be considered from Monday.
You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the "Cards" section.
What documents are required to obtain a card?
To pick up the card, please bring your passport or other document that was used to apply for the card. To get a card for another person, you need a notarized power of attorney.
How to start receiving THANK YOU bonuses?
After receiving the card, you must register in the Thank You from Sberbank program. The easiest way to register is to send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register in the program in your Sberbank Online personal account and at a Sberbank ATM - find the "Thank you from Sberbank" section and follow the prompts.
Bonuses are credited automatically when paying by card - their number depends on the privilege level.
It should be remembered that bonuses are accrued only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus points are credited to the account Thank you.
How can I use THANKS bonuses?
THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners, a full list of partners is available. In addition, SPASIBO bonuses can be exchanged for a discount when buying air tickets and hotel accommodation (on the Thank you from Sberbank. Travel website). Also, bonuses can be exchanged for discounts when buying tickets for events - the service is available on the site "Thank you from Sberbank, Impressions".
How can I find out my card details?
To find out the details, in the Sberbank Online mobile application, find the required card and click "Show details".
Another way: in your Sberbank Online personal account, go to the "Cards" section and find the card you need, then "Card information" → "Details of transfer to the card account."
Is it safe to use a contactless card?
Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to scammers. Making purchases without presenting a card and entering a PIN code is much safer, since no one sees the card details. In addition, contactless technology protects against double charges - after paying for the purchase, the terminal beeps and turns off automatically.
Table of contents [Show]
Receiving a salary on a Sberbank plastic card is a familiar procedure for many Russians. Sberbank is the leader among issuers, has the widest network of ATMs, and this justifies the choice of corporate clients in its favor. As a rule, classic options are used for a salary project. Who is the salary gold card intended for, how much does it cost and how to use its benefits - this is what our article is about.
The contract for the transfer of employees' salaries is concluded by the organization - the employer. According to this agreement, Sberbank issues personalized plastic cards for each employee, according to the list provided by the organization. In case of admission of new specialists, an additional list is sent to the bank.
After the cards are issued, they are issued to employees along with personal PIN codes.
It is important to know that within the framework of the salary project, all cards are issued and serviced free of charge. The commission for the transfer of money is paid by the company - the employer.
The cardholder does not bear any costs, except for paid services connected on a voluntary basis. For example, a user can order a paid SMS-informing from a bank.
The fact that the card is issued as part of a salary project does not relieve its owner of responsibility for fulfilling obligations to the bank. For example, having received an overdraft, you need to pay interest and fees on time in order to avoid penalties.
When an employee is dismissed, the company sends information to the bank, and the card is excluded from participation in the salary project. This means that the cost of maintenance must now be paid by its owner. If you wish to keep the card for personal use, the former employee of the company can simply continue to use it until the expiration date. If this is not necessary, you need to write to the bank an application for closing a card account.
For those who already have a Sberbank card, its pros and cons are obvious. Payroll card holders have all the rights of users of the bank's services, and can manage their card account through mobile applications. Sberbank gives advantages to participants in payroll projects when considering applications for loans, issuing consumer loans according to two documents.
As salary options, the bank issues only debit cards. If an employee already has a credit card, and he wants to receive his income on it, this can only be done privately by writing an application to the accounting department.
We note right away that the bank bears the costs of issuing and servicing cards. The higher the status of plastic and the more options it has, the more expensive it is for the bank. These expenses are compensated by cardholders by paying the cost of annual maintenance and other commissions.
Payroll service fees are included in the rates for companies. But at the same time, indicators for cards of the mass segment, standard and classic statuses are taken into account. Among them:
At the same time, the options of classic cards allow owners to fully use them without fear for the security of payments. In addition to standard functions, the bank's bonus programs are available to the cardholder, for example, Sberbank-Thanks.
Plastic can also become a salary card with a higher status: gold or platinum. As a rule, such issues are resolved on an individual basis, we will talk about this later.
There are also premium products in the bank's lineup. The Sberbank gold card is associated with the high status of its holder. The bank gives it an extended package of privileges, consider what it is:
In addition to the above preferences, the owner of gold plastic has full access to standard products and bonus programs of the bank. For example, for each non-cash payment, bonus points from the Thank You program will be credited to his account for subsequent exchange for discounts from partners.
Does the gold salary card of Sberbank have advantages for its owner? Of course, because the bank has a traditionally loyal attitude towards the holders of golden Visa or MasterCard. This is expressed not only in the prompt resolution of all emerging issues, but also in the offer of benefits and reduced tariffs. If an employee has a visa gold salary card, he can be issued a credit card with an approved limit and without an annual allowance.
The disadvantages of gold payroll plastic will manifest themselves for the owner in the event of his dismissal: all expenses for maintaining the card will have to be paid independently.
For customers receiving plastic gold from Sberbank under normal conditions, its annual maintenance will cost from 3,000 to 3,500 rubles, depending on the branding and product options.
It is clear that such prices do not allow the bank to massively distribute "gold" for payroll projects.
Therefore, the Visa Gold salary card is rather an exception and the bank's loyalty to its corporate partners. How can you get it? The bank will answer this question by analyzing the salary project of a particular company.
In practice, the bank issues gold cards as salary cards to managers and top managers of companies participating in the project. Specialists with high income and value for the company can also get "gold". The number of premium cards is approved at the stage of negotiations on a salary project with the bank.
Thus, the conditions for receiving premium plastic as a salary entirely depend on the employing organization.
Note that the employee has the opportunity to include a personal gold Visa or MasterCard card in the salary project. But the decision on this issue must be approved by the bank.
Assessing the minuses and pluses of the Sberbank card, one can draw an unambiguous conclusion in its favor. Convenience of payments, Internet services, security and pleasant bonuses - all this together ensures a high rating for Sberbank's plastics. As for the choice between gold and classic options, an individual decision is made here.
We remind you that under the law, employees of companies have the right to receive wages in a way convenient for them, in cash through a cash desk or on cards of any bank.
ratings, average:
The Mir Gold Card of Sberbank is issued as part of the Bank's salary project along with the Classic ones. Now it can also be obtained for free, but quite recently this opportunity was not provided. Gold cards are several times more expensive to maintain, so the Bank could not cover such costs. This improvement is a kind of compliment from Sberbank.
You can get the Mir Sberbank gold salary card in the same way as the Classic one. The first option is the execution of the contract and the issuance of plastic at the place of work. This can be done if the company where you work has reached an agreement on the issuance of Golden Plastic to its employees.
Classic salary card "Mir" of Sberbank
The second option is to contact the Bank and get it yourself. In this case, the benefits of the salary project do not apply, even if you draw up it specifically for such payments.
Gold card "Mir" Sberbank salary is issued for a period of 5 years. Upon receipt of it at the place of work, registration and maintenance will be free, with the exception of some nuances for individual operations.
In the case of independent signing of an agreement with the Bank, the cost of servicing will be 3,000 rubles each year. Also, unlike the Classic one, you can issue an additional card for Gold. It will cost 2500 rubles per year.
It is also noteworthy that the reissue will be free, regardless of whether it is early or regular. Even in case of loss of the card, pin code or change of personal data, you will not have to pay for reissuance.
When carrying out these operations, the conditions do not differ from the Classic map. When receiving money to a card account, the commission is charged only when transferring from a third party to another territorial bank and amounts to 1.25% of the amount, but not less than 30 rubles. and no more than 1000.
When cashing out through the cash desk, the commission is paid only if the daily limit is exceeded and amounts to 0.5% of the excess amount. When carrying out this operation at the cash desks of other credit institutions, the fee will be 1% (at least 150 rubles).
When working with an ATM, no commission is paid, except for withdrawing funds through ATMs of other banks. In this case, it will be equal to 1%, but not less than 100 rubles.
One of the main advantages of Sberbank's Mir Gold Salary Card over the Classic one is the increased limits on withdrawals.
Cashless payments, obtaining data on the card, making an individual design and other card transactions are provided under the same conditions as on the Classic.
Sberbank's Mir Gold Card payroll provides some benefits for which it can be taken. The main advantage of the bank's clients is its appearance, which emphasizes the status of the Holder. If you turn to the experts, who are the employees of Sberbank, then the following can be distinguished among the advantages:
Remarkably, it can be used on the territory of the Crimea. Due to the many sanctions, most international payment systems refuse to serve the banks of the peninsula, so this is an excellent way out.
These positive features will certainly make life easier for plastic owners, but they all become available due to the main disadvantage - the annual cost of maintenance. The classic card costs only 450 rubles, while the Gold card costs 3000. If you own it as part of a payroll project, then this is naturally not felt, because the service is free. However, in other cases, as well as upon dismissal, all costs will fall on you.
Also, among the shortcomings of the Sberbank Mir Golden Salary Card, it is worth noting that it still does not provide emergency cash withdrawal services. This would greatly increase its significance and justify the cost.
Another disadvantage comes from the payment system itself. "Mir" does not yet function outside of Russia, therefore, with frequent travel, this card will simply be useless. This is compensated by the ability to get an additional card, making it co-badged, but not everyone likes to carry a lot of plastic with them.
More than anyone else, Gold Card holders want to receive guarantees for the continuous functioning and support of their card account. Stable work is provided by the payment system itself. It is independent of external economic factors, therefore the risks of failures for this reason are excluded. "Mir" is already well distributed throughout the country, which means that there will be no problems with its use on a business trip or just on vacation.
Security is provided as follows:
Thanks to this, it will be almost impossible to fake plastic, therefore, even if the card is lost, your funds will be safe. However, do not neglect the blocking in case of loss of plastic or pin code.
The Sberbank salary gold card "Mir" brings its owner several advantages, the main of which is an increased limit on withdrawals. If you have a need for this, then the map will really come in handy for you. Otherwise, experts advise to carefully weigh the pros and cons and your needs before deciding on the design of the Golden Plastic.
Sberbank willingly provides honorary clients with a Visa Gold card with favorable terms of use. The line includes debit, credit and payroll cards. What are their benefits, and what opportunities are becoming available? We will talk about this in the article.
Every adult citizen of Russia can enjoy privileges and have a Visa Gold status card from Sberbank. Persons over 21 years of age and under 65 years of age have the opportunity to apply for a bank credit limit.
Clients who are served under an affiliate program and receive wages on a Sberbank card can, at their own request, request gold plastic for these purposes and become full-fledged users of the privileged system.
To apply for a debit product, just go to the site and fill out an elementary form. Specify personal information and wait for a response from the bank.
Persons serving under a salary contract can go to Sberbank online and submit an application in the system. The procedure is as follows:
According to statistics, the response to the application comes within 1-2 days. Getting the plastic itself in 2 weeks.
In any branch of Sberbank, you can get a gold card with a Russian passport. Debit - opens to everyone who wants to receive it. The procedure is extremely millet, it is enough:
The golden credit card can be obtained by those who are offered an individual pre-approved loan offer:
For a gold credit card, it is important to confirm income with a certificate in the form of a bank or a 2-personal income tax form. The decision to grant a loan is influenced by the credit history of the applicant. When it is positive, there are no problems in obtaining and the available card limit is constantly growing.
The Sberbank debit card was created to make shopping and money transactions more convenient. The benefits of the offer save time and money for the user. Another nice point is a small list of minuses found.
List of available benefits:
Flaws:
Important! There is another feature of Sberbank products, which some consider to be a disadvantage, while others consider it an indisputable advantage - a payment security system. Such a system sometimes blocks the operation, which it considers “doubtful”. On the one hand, this can serve as protection against fraudsters, on the other hand, it will delay the time of the transfer.
In addition to maintaining the status of the owner, plastic in gold has an impressive number of useful advantages, and customer funds are additionally protected by a security chip and 3D-secure technologies (Verified by Visa and MasterCard SecureCode).
The advantages of a Sberbank gold credit card include all of the above for a debit package, plus favorable conditions for using a credit card:
It is important to know:
Cons of a Sberbank gold credit card:
The list of shortcomings is not long. An application for registration of such plastic can be submitted at any Sberbank branch.
The level of services provided for holders of a golden visa card from Sberbank is an order of magnitude higher. The option of obtaining a credit limit is also very attractive. This opportunity is easily opened for payroll clients of the bank. They have the option to choose both debit and credit cards. For payroll clients, the Overdraft service is activated - a revolving loan.
Employees receive the Visa Golg Gold Salary Card:
Documentation:
Important! All documents must be submitted in original, copies are not accepted.
The gold salary card, in addition to the privileges indicated for debit and credit services, has
one important bonus: the credit limit is set individually for each employee and may be lower than for holders of such plastic not under a corporate contract.
Employees of partner companies separately note the convenience of using the card on business trips abroad. There are no problems with withdrawing money (optimal conversion of funds into the currency of the host country) or using a card loan.
Bonuses from partner companies are available, for example:
In the personal account for holders of the Visa Gold Sberbank card, the functionality has been significantly expanded. Cash withdrawal from such cards is possible at any ATM of absolutely any banking organization.
All holders of any form of golden visa card can:
Sberbank has a separate status in Russia, and it willingly shares its capabilities and partnerships with honorary gold clients.
Video review of the Sberbank gold card:
Sberbank of Russia offers its customers various banking services. The most demanded among the variety of issued plastic offers is the Gold card of Sberbank. The benefits of the product are of interest to many users. It is worth figuring out why this product is better than the classic version of the card, what additional features it gives to its owner.
Today, Sberbank clients are asking the question: what advantages does the Gold card have, what key characteristics does it have. It is worth noting that such a card characterizes the status of the client, his material solvency. Banks always offer this banking product only to the most active depositors and borrowers. The Sberbank Gold card will become an attractive, rather profitable product. There are several reasons for this:
The Sberbank Gold card will also be appropriate for customers who regularly travel abroad, as they receive additional discounts at restaurants, hotels, air tickets, and other services.
It is possible to use this financial product for various purposes: payment for goods, services, etc. Their difference also lies in the fact that the consumer can use the volume of borrowed funds, as well as their own resources, enjoy all the privileges of the product. Sberbank Gold cards are issued in the following categories: Visa, MasterCard.
Basic terms of use:
There are three types of gold cards issued by Sberbank:
The main difference between these products is that MasterCard and Visa have different bonus programs, some privileged conditions. You can find out about them on the respective official websites. The Gold Aeroflot visa card from Sberbank provides its owner with the opportunity to make purchases and at the same time accumulate miles to exchange them for air tickets. Gold visa card "Give Life" will allow you to transfer funds to a special charitable foundation. Sberbank will transfer there 0.3% of all funds spent by the client.
You can issue a banking product yourself if the client meets the requirements of the lender:
The questionnaire can be filled out at any branch, on the bank's website. The borrower should visit the office to provide the necessary documents: a passport, a photocopy of his work book, a standard 2-NDFL certificate. The questionnaire will be reviewed within two days.
The credit limit, the rate will be determined by the lender individually for each borrower.
Only reliable consumers of Sberbank services will be able to receive the maximum possible amount at a low interest rate. For example, these are depositors who receive wages at the bank, respectable borrowers. The main role in the decision will be played by the credit history of the borrower, monthly income.
After registration, activation of the Gold credit card in Sberbank, the consumer gets the opportunity to pay for it when making their purchases at various outlets, or in online stores anywhere in the world. Even if the currency of the card is the ruble, you can pay for purchases in any currency with automatic conversion.
It is possible to withdraw funds from a credit card at ATMs belonging to Sberbank and other financial institutions. Sberbank will take a commission - 3% (when you need to cash out funds through ATMs, cash desks of Sberbank, its subsidiaries) or 4% (for operations through other financial institutions). The key difference: the daily limit that regulates cash withdrawals reaches 300 thousand rubles.
Cardholders can use credit funds free of charge. The so-called grace period for using this plastic can stretch up to 50 days. During this entire period, the client can return all borrowed funds without overpaying interest for use. However, it must be remembered that this rule does not apply to the cash withdrawal procedure. When cashing money, interest will be accrued immediately.
The client will be able to withdraw funds from the credit account even if the credit card is lost on the territory of Russia, abroad.
Advantages of the Gold card from Sberbank:
Disadvantages of a Gold card from Sberbank:
Sberbank customers get the opportunity to control accounts remotely. It is enough to activate the special Sberbank.Online service in order to pay bills, as well as the Auto Payment service, control the date and amount of the next payment, etc.
This product is a convenient financial tool to protect your savings. The product will be available to everyone, has a number of advantages. All bonuses, privileges of the bank, Visa, MasterCard systems are available to users.
Everyone can issue a debit plastic from Sberbank easier than a credit one. It is enough to be a citizen of Russia, from 18 years old, with permanent registration. Sberbank issues cards to citizens of other states. The decision is made individually.
To apply for a card, contact the bank branch, fill out the form on the website. Proof of income, as well as the presence of your permanent place of work is not required. The owner will use in this case exclusively his own funds.
Online, the client fills out an application for Visa Gold, MasterCard can only be issued at a branch of Sberbank.
Product owners get the opportunity to issue a number of additional cards. Their user can be a citizen of Russia from the age of 7. The cost of the service is 2500 rubles. You will need to pay 3,000 rubles for the service, and reissuing the card will be free.
The main disadvantage is the high price of maintenance, otherwise the card has advantages:
The owners of the product note that it is expensive, and therefore it is not economically feasible to issue such a card.
For holders of debit gold cards there is an unlimited overdraft facility.
Not everyone will want to issue this card due to its expensive service, high rate. The bank also provided free registration and service for regular customers.
Sberbank's special loan offer includes a reduced interest rate of 17.9% - 23% per annum.
The offer is received personally by clients if they receive their salary through Sberbank, have deposits, and have previously used loans. Such an offer can be sent to you by letter, SMS, call.
To get a Gold card from Sberbank for free, you need to wait for a special personal offer, come to the bank, provide the required package of documents. You will need income certificates confirming a permanent place of work (not required for payroll clients).
Among the Gold cards from Sberbank there are co-branded ones, such as: Give Life, Aeroflot. These products can also be issued under the special offer of Sberbank.
The plastic card “Give Life” allows its owners to help a charitable foundation. Sberbank transfers here 0.3% of all funds you spend. The credit rate on this card is from 25.9% per year. Annual maintenance - from 0 to 3500 per year. Only Visa cards are available. The client gets the opportunity to learn and evaluate the benefits of Visa Gold from Sberbank. Information on the website of the payment system.
The card is joint with Aeroflot - for those who regularly use the services of a partner company. Sberbank customers can use the card, receive and exchange bonus miles for airline tickets. The annual maintenance of the card is 3,500 rubles, the rate for using a loan for this product is from 25.9%. Moreover, all these cards of the joint program are provided by the Visa system.
With a card from Visa and Sberbank Gold Aeroflot, there is no possibility of free service.
Thus, only regular customers can use the Sberbank Gold card for free. Everyone else will pay for the service and at a very high rate. Considering that the population of the country chooses Sberbank, almost every regular client of the organization, a depositor with funds in storage or a borrower with a good history will be able to receive a special personal offer.
Sberbank willingly provides honorary clients with a Visa Gold card with favorable terms of use. The line includes debit, credit and payroll cards. What are their benefits, and what opportunities are becoming available? We will talk about this in the article.
Every adult citizen of Russia can enjoy privileges and have a Visa Gold status card from Sberbank. Persons over 21 years of age and under 65 years of age have the opportunity to apply for a bank credit limit.
Clients who are served under an affiliate program and receive wages on a Sberbank card can, at their own request, request gold plastic for these purposes and become full-fledged users of the privileged system.
To apply for a debit product, just go to the site and fill out an elementary form. Specify personal information and wait for a response from the bank.
Persons serving under a salary contract can go to Sberbank online and submit an application in the system. The procedure is as follows:
According to statistics, the response to the application comes within 1-2 days. Getting the plastic itself in 2 weeks.
In any branch of Sberbank, you can get a gold card with a Russian passport. Debit - opens to everyone who wants to receive it. The procedure is extremely millet, it is enough:
The golden credit card can be obtained by those who are offered an individual pre-approved loan offer:
For a gold credit card, it is important to confirm income with a certificate in the form of a bank or a 2-personal income tax form. The decision to grant a loan is influenced by the applicant. When it is positive, there are no problems in obtaining and the available card limit is constantly growing.
The Sberbank debit card was created to make shopping and money transactions more convenient. The benefits of the offer save time and money for the user. Another nice point is a small list of minuses found.
List of available benefits:
Flaws:
Important! There is another feature of Sberbank products, which some consider to be a disadvantage, while others consider it an indisputable advantage - a payment security system. Such a system sometimes blocks the operation, which it considers “doubtful”. On the one hand, this can serve as protection against fraudsters, on the other hand, it will delay the time of the transfer.
In addition to maintaining the status of the owner, plastic in gold has an impressive number of useful advantages, and customer funds are additionally protected by a security chip and 3D-secure technologies (Verified by Visa and MasterCard SecureCode).
The advantages of a Sberbank gold credit card include all of the above for a debit package, plus favorable conditions for using a credit card:
It is important to know:
Cons of a Sberbank gold credit card:
The list of shortcomings is not long. An application for registration of such plastic can be submitted at any Sberbank branch.
The level of services provided for holders of a golden visa card from Sberbank is an order of magnitude higher. The option of obtaining a credit limit is also very attractive. This opportunity is easily opened for payroll clients of the bank. They have the option to choose both debit and credit cards. For payroll clients, the Overdraft service is activated - a revolving loan.
Employees receive the Visa Golg Gold Salary Card:
Documentation:
Important! All documents must be submitted in original, copies are not accepted.
The gold salary card, in addition to the privileges indicated for debit and credit services, has one important bonus: the credit limit is set individually for each employee and may be lower than for holders of such plastic not under a corporate contract.
Employees of partner companies separately note the convenience of using the card on business trips abroad. There are no problems with withdrawing money (optimal conversion of funds into the currency of the host country) or using a card loan.
Bonuses from partner companies are available, for example:
In the personal account for holders of the Visa Gold Sberbank card, the functionality has been significantly expanded. Cash withdrawal from such cards is possible at any ATM of absolutely any banking organization.
All holders of any form of golden visa card can:
Sberbank has a separate status in Russia, and it willingly shares its capabilities and partnerships with honorary gold clients.
Video review of the Sberbank gold card:
Receiving a salary on a Sberbank plastic card is a familiar procedure for many Russians. Sberbank is the leader among issuers, has the widest network of ATMs, and this justifies the choice of corporate clients in its favor. As a rule, classic options are used for a salary project. Who is the salary gold card intended for, how much does it cost and how to use its benefits - this is what our article is about.
The contract for the transfer of employees' salaries is concluded by the organization - the employer. According to this agreement, Sberbank issues personalized plastic cards for each employee, according to the list provided by the organization. In case of admission of new specialists, an additional list is sent to the bank.
After the cards are issued, they are issued to employees along with personal PIN codes.
It is important to know that within the framework of the salary project, all cards are issued and serviced free of charge. The commission for the transfer of money is paid by the company - the employer.
The cardholder does not bear any costs, except for paid services connected on a voluntary basis. For example, a user can order a paid SMS-informing from a bank.
The fact that the card is issued as part of a salary project does not relieve its owner of responsibility for fulfilling obligations to the bank. For example, having received an overdraft, you need to pay interest and fees on time in order to avoid penalties.
When an employee is dismissed, the company sends information to the bank, and the card is excluded from participation in the salary project. This means that the cost of maintenance must now be paid by its owner. If you wish to keep the card for personal use, the former employee of the company can simply continue to use it until the expiration date. If there is no such need, you need to write an application to the bank about.
For those who already have a Sberbank card, its pros and cons are obvious. Payroll card holders have all the rights of users of the bank's services, and can manage their card account through mobile applications. Sberbank gives advantages to participants in payroll projects when considering applications for loans, issuing consumer loans according to two documents.
As salary options, the bank issues only debit cards. If an employee already has a credit card, and he wants to receive his income on it, this can only be done privately by writing an application to the accounting department.
We note right away that the bank bears the costs of issuing and servicing cards. The higher the status of plastic and the more options it has, the more expensive it is for the bank. These expenses are compensated by cardholders by paying the cost of annual maintenance and other commissions.
Payroll service fees are included in the rates for companies. But at the same time, indicators for cards of the mass segment, standard and classic statuses are taken into account. Among them:
At the same time, the options of classic cards allow owners to fully use them without fear for the security of payments. In addition to standard functions, the bank's bonus programs are available to the cardholder, for example, Sberbank-Thanks.
Plastic can also become a salary card with a higher status: gold or platinum. As a rule, such issues are resolved on an individual basis, we will talk about this later.
There are also premium products in the bank's lineup. The Sberbank gold card is associated with the high status of its holder. The bank gives it an extended package of privileges, consider what it is:
In addition to the above preferences, the owner of gold plastic has full access to standard products and bonus programs of the bank. For example, for each non-cash payment, bonus points from the Thank You program will be credited to his account for subsequent exchange for discounts from partners.
Does the gold salary card of Sberbank have advantages for its owner? Of course, because the bank has a traditionally loyal attitude towards the holders of golden Visa or MasterCard. This is expressed not only in the prompt resolution of all emerging issues, but also in the offer of benefits and reduced tariffs. If an employee has a visa gold salary card, he can be issued a credit card with an approved limit and without an annual allowance.
The disadvantages of gold payroll plastic will manifest themselves for the owner in the event of his dismissal: all expenses for maintaining the card will have to be paid independently.
For customers receiving plastic gold from Sberbank under normal conditions, its annual maintenance will cost from 3,000 to 3,500 rubles, depending on the branding and product options.
It is clear that such prices do not allow the bank to massively distribute "gold" for payroll projects.
Therefore, the Visa Gold salary card is rather an exception and the bank's loyalty to its corporate partners. How can you get it? The bank will answer this question by analyzing the salary project of a particular company.
In practice, the bank issues gold cards as salary cards to managers and top managers of companies participating in the project. Specialists with high income and value for the company can also get "gold". The number of premium cards is approved at the stage of negotiations on a salary project with the bank.
Thus, the conditions for receiving premium plastic as a salary entirely depend on the employing organization.
Note that the employee has the opportunity to include a personal gold Visa or MasterCard card in the salary project. But the decision on this issue must be approved by the bank.
Assessing the minuses and pluses of the Sberbank card, one can draw an unambiguous conclusion in its favor. Convenience of payments, Internet services, security and pleasant bonuses - all this together ensures a high rating for Sberbank's plastics. As for the choice between gold and classic options, an individual decision is made here.
Sberbank's salary gold card is a payment instrument intended for top management of companies. Such plastic has a lot of advantages in comparison with other types of cards, and since it is issued by the enterprise, the service for the client is absolutely free. Next, consider what a salary gold card is. Sberbank, in addition to this plastic, provides a lot of other payment instruments, but this one is the most profitable.
The Sberbank project assumes that the corporation opens a bank account and becomes a participant in the salary project. The organization is issued a certain number of cards. Moreover, if the future owner of the plastic is just an employee or specialist, then standard plastic will be issued to him. Gold and Premium cards are issued mainly for top management.
A payroll project participant is an enterprise, so it bears all the costs of servicing cards. For the client, the use of plastic is absolutely free, plus he receives additional bonuses up to 5% from Sberbank, up to 20% from partner organizations.
Sberbank Gold Card
Bonuses are an encouragement to the client from the bank. With their help, you can pay in some stores and organizations. And also in most online stores. A list of such companies can be found on the official website of the bank.
The gold card for payroll clients is a premium level plastic and has the following features:
The Gold Card has fairly large withdrawal limits, as well as the ability to connect many options, such as PayPal, contactless payment, and so on.
Contactless payment is a convenient option, however, it is worth remembering that the connection is not very secure. It is also dangerous to lose such a payment instrument, since anyone can use it.
Terms of use of cards, account parameters are specified in the tariff policy. Information is available at each bank office, as well as on the website. All rates, commissions and conditions for using the account are prescribed in the tariffs.
Gold plastic from Sberbank has the following rates:
The Gold Card has great benefits
At the same time, among the free options are card re-issuance, both planned and in case of loss, as well as SMS notifications and a full package of mobile banking.
Sberbank has the most convenient service, which is connected to everyone who has concluded an agreement on a card. The procedure is performed upon receipt of the payment instrument. Access to the online account can be obtained at an ATM or on the website using a mobile phone.
In order to get plastic, you need to follow this algorithm:
There is no need to fill out a contract for plastic, since all the documents for its maintenance are with the enterprise, since it is the employer organization that is a participant in the salary project.
Benefits of the golden salary card:
Among the disadvantages are:
Thus, plastic has a lot of advantages and is convenient in everyday use.
In order for the plastic to become working, it is necessary to activate it at the ATM. At the same time, you can immediately bind your phone for SMS notifications. The procedure is free and is carried out in the "Personal information and service" menu.
You can activate your card at an ATM
You can close the plastic by contacting the enterprise directly, since it is here that the card is issued, or by contacting the bank. An application is written for closing, and the plastic is closed within 10 days. The payment instrument becomes inactive.
