Sberbank cards: types. Sberbank: types of plastic cards

Due to the wide development of the card market in front ofbanking customers have great opportunities. In the conditions of fierce competition, credit organizations present products that have additional opportunities and participate in partner programs. Sberbank is also no exception here and offers a wide range of classic cards, bonus, debit and credit cards. Now we will discuss the issue of what kind of cards Sberbank. The species are quite diverse, let's analyze each separately.

How to choose a card of the Savings Bank?

The choice of a debit card should be made based onneeds, financial opportunities and lifestyles. In this case, you will be able to fully take advantage of all the benefits of this tool and take maximum advantage of yourself.

Despite the fact that Sberbank cards havecompletely different - the payment systems they mostly have Visa and MasterCard, accepted for payment around the world. These payment systems differ in that the "Visa" is more common in the US, Latin America, Australia and Canada, and "MasterCard" - in European countries and Africa.

Another difference is that paymentthe system "Visa" for conducting currency conversion operations will charge a commission of 0.65% of the total amount of payment. As for "MasterCard", he does not take a commission at all.

Instant issuance cards

If you need a card urgently, andyou do not have the opportunity to wait a couple of weeks, then you can get a card immediately when you contact the bank branch. For this, it is required to conclude a banking service agreement. In addition, Sberbank types of plastic cards offer those that do not have annual maintenance. And also you do not need to pay anything for the card itself. This option is the fastest and most economical, allowing you to make purchases in stores and services, replenish and withdraw cash. These cards are not personal, they can be used on the territory of the country, and they can be used to make payments through the Internet.

Youth debit cards of Sberbank

The types of these cards were designed specifically to meet all the needs of young people under 25 years of age. Their advantages are as follows:

• Annual service costs only 150 rubles.
• There is no commission for withdrawal of funds through an ATM within the daily limit.
• There is no commission for making cash throughout the country.
• Universal application at home and abroad.
• Possibility of making purchases through the Internet.

Visa Electron and Maestro debit cards

Sberbank offers types of salary cards VisaElectron and Maestro, as well as those of the classical level, but we'll talk about them later. These are universal cards that allow you to perform operations in self-service zones in the whole region. The annual maintenance fee is 300 rubles. The daily limit for withdrawing funds is only fifty thousand rubles. If an amount above the established limit is required, then a commission of half the percentage of the amount is charged. If you need to make or withdraw funds outside your region, a commission of 0.75% of the total amount will be charged. What are the advantages of Sberbank card data?

• Types of such cards are relatively inexpensive.
• There are no fees for withdrawing and depositing cash within the home region.
• The ability to make any payments, including through the Internet.

These cards are best used if youdo not intend to go anywhere outside the region, so as not to pay commissions. Otherwise it's better to apply for another card in Sberbank. Banking card types are very different. Therefore, you can always choose the right option for yourself.

Classic cards of Sberbank

Upon receipt of such a card, its owner receivesadvantage in the form of uniform conditions of service throughout the country and the world. You can withdraw cash within the established daily limit, which is 150 thousand rubles. In addition, you can receive funds without commission, but this option is only a debit card of the Savings Bank. Types of classical maps are basically the same under the conditions. They can be salary, personal, corporate and so on.

If withdrawals are made from an ATManother bank, then in this case the commission will be 1% of the amount + commission established by the bank whose terminal is used. In addition, the card can be replenished without additional commissions.

Advantages of classic maps:

• You can not worry about the safety of cash, going on a trip;
• You can not worry about currency exchange while abroad;
• making purchases at a very profitable bank rate abroad;
• You can withdraw funds in any currency, anywhere in the world.

Annual service of this type of cards is 750 rubles.

Pension debit card "Maestro" social

All citizens can draw up such a card,who are entitled to receive a pension for old age, disability and the loss of a bread-winner. It gives an opportunity to its holder not only to keep, but also to increase his savings due to a quarterly interest charge on the balance of funds. The interest rate is 3.5% per annum. In addition, there are preferential terms of service provided by Sberbank. Bank cards - types of social cards and the conditions of their service - are in principle no different from others, but they have free annual service. Advantages of social cards:

• The possibility of increasing their savings.
• The possibility of making purchases in all places where there is non-cash service.
• Possibility of self-payment for utilities using ATMs and terminals.
• Free annual service.

When using the card, be sure toremember that it is accepted for service only in the territory of the country. Cards of this level can not be used as salary cards of the Savings Bank. Their species are diverse, and any other can be used on the same conditions.

Gold cards of the Savings Bank

Cards of this level give their ownersa huge number of opportunities. For this reason, it is worth spending a little more time and making such cards of Sberbank. The types of such plastic rectangles are no different from the others. They can be salary, personal and credit. Make such a plastic is not difficult. It's enough just to come to any branch of the bank at the place of your registration. If you do not have a permanent registration, then the request is considered individually by the manager, and if he makes a positive decision, the card will be issued.

Be sure to remember about the requirement that the person wishing to issue a card must be at least 18 years old.

With the help of gold plastic cards, you canget a lot of privileges. First of all, the currency of the card can be any, not necessarily ruble. It is for this reason that these maps are perfect for people who are constantly abroad. Pay cards Sberbank can be in all countries of the world, where there is such an opportunity. Still, Sberbank is in close cooperation with various organizations, which, accordingly, allows holders of gold cards to receive bonuses and discounts when servicing these companies. In addition, you can connect to the card various services, such as mobile Internet, Sberbank-Online and auto payment.

This is not all the benefits that getowners of Gold level cards. The card is serviced three thousand per year. Of course, this is not so cheap. But, despite this, the cards are still in demand.