Money 

Classic Visa debit card from Sberbank. How much does it cost to issue a card. How to keep your money safe

Such a payment product from Sberbank as a Visa Classic plastic card has been very popular with millions of people for a long time, although there is nothing to be surprised about. It is able to combine the golden mean, which we call price and quality. Many clients of a financial institution who want to receive such plastic are interested in how much the annual maintenance of the Sberbank Visa Classic card will cost. That is what we propose to talk about in this material.

Sberbank cards Visa Classic

Before starting a discussion on the cost of maintaining a Visa Classic card offered by Sberbank to its customers, it is necessary to recall that it is an international-class payment instrument. The card is distinguished by its versatility, and also carries a unique opportunity to use a huge number of additional services. Plastic is tied to a payment system called Visa, and therefore, almost any financial transactions carried out outside the country go through the US dollar currency.

That is, the user can, at his discretion, choose the type of currency for a virtual account, namely Russian rubles, US dollars or euros. As in most cases, the validity of plastic does not exceed three years, after which the account is automatically blocked. In order to ensure security from various kinds of fraudsters, the card is equipped with a high-tech protective electronic chip, so you should not worry about your own savings.

If you are interested in issuing additional cards, the bank will be happy to carry out such an operation. You can order several credit cards, including a children's one, which the financial institution offers to issue from the age of seven.

How to get a bank card

As soon as you decide to become the owner of the payment product we are considering, simply fill out the appropriate application on the official website, or visit the nearest branch of Sberbank. Usually, annual maintenance does not exceed 750 rubles, but everything will depend on individual additions to the overall functionality package. You are probably interested in the advantages of plastic, so we suggest talking about them in more detail:

  • Such a card will allow its owner to easily join such a growing program as thanks from Sberbank. By accumulating bonuses, you can later buy real goods with them in most supermarkets and specialized stores;
  • A special qualified round-the-clock support service has been created for VISA cardholders;
  • All transactions on the Internet have additional protection provided by 3D-secure technology;
  • There is a function for making automatic payments. By connecting it, the user can forget about the need to timely replenish some accounts, for example, payments for the Internet, cable TV and others; Being outside the country, you can get cash or pay for purchases by bank transfer;
  • It is possible to link any existing electronic wallets to the account, etc.

How much does it cost to issue a card

To carry out the operation to issue a Visa Classic card, Sberbank has established fairly loyal conditions. You won’t have to pay for the manufacture of plastic, but in order to get it, you need to have citizenship, a valid passport and permanent registration at the place of residence. Also, there is an age limit for the client, which is limited to 14 years. If we talk about the possibilities of the card, it is necessary to highlight such as:

  • The user will be able to carry out any banking operations:
  • There is an opportunity to withdraw and replenish a cash virtual account;
  • You can make payments for received utility services;
  • The card allows you to make transfers between accounts of different persons;
  • Pay for purchases at all points of sale, as well as entertainment centers, etc.

With all this, Sberbank offers customers a large number of additional services. They are specially designed to enable the plastic holder to carry out financial transactions of interest to him without the need to visit a bank branch. For a fee, you can use a mobile bank, as well as personal accounts using the Internet.

Annual maintenance price

The most important issue that interests a significant number of potential customers is the cost of the annual maintenance of the Visa Classic card. It is important to note that the amount is calculated based on the services connected to the plastic. Also, everyone has the right to order a card according to an individual design, however, in this case, it will be necessary to pay at least 1,250 rubles for the service provided by the system for one year.


The bank takes an additional five hundred rubles for the organization of design, as well as the provision of related services.

It is worth mentioning the existence of special, so-called charitable cards of the Visa system. For example, maintenance of plastic from the Give Life series, at the moment, is one thousand rubles a year. By the way, if we are talking about such a type of card as Visa Gold from the same series, then you will have to pay a significant 4,000 rubles for the service.

Using this type of plastic, funds in the amount of 0.3% of the amount of purchases made in the form of a donation will be transferred to the account of a charitable organization. Half of the cost of maintenance will also go to the fund we are considering.

Another payment product offered by Sberbank, which cannot be ignored, is Visa Classic from the Aeroflot series. Such a card allows the owner to travel by plane abroad, as well as to all cities of the Russian Federation with significant discounts when paying for tickets. In this case, the cost of maintenance for the user will be up to 900 rubles annually.

Salary card and its features

Are you an employer and would like to order an individual salary project? Then you need to choose one of the two types of cards offered by Sberbank, namely MasterCard or Visa Classic. The conditions for using these means of payment are almost identical. Consider the example of MasterCard. The fee for the first year of service will be 750 rubles, in the future the amount will be significantly reduced and will not exceed 450 rubles.

Conclusion

Before contacting a financial institution, find out in advance how much the annual maintenance of a Sberbank Visa Classic card will cost and, based on the information received, choose the ideal option for yourself. Be that as it may, the card from Sberbank has significant advantages, because it allows you to use borrowed funds without unnecessary fuss when applying for loans. The owner can count on a variety of bonuses, discounts and much more.

Visa Inc. is a world leader in the field of payment transaction services. This international payment system operates in more than 200 countries, that is, almost all over the world.

Benefits of Visa Sberbank cards

Russian banks also have products that are focused specifically on the Visa system. This also applies to the largest domestic bank - Sberbank. The basic capabilities of products serviced by VISA are well known - the system allows:

  • safely store money savings;
  • make payments and transfers;
  • withdraw money from ATMs;
  • replenish an account;
  • pay for many services without commissions;
  • remotely (online) manage finances.

VISA cards from Sberbank have additional important functions. Let's list them:

  1. With this card, you can join "Thank you from Sberbank" program and start accumulating bonuses. Subsequently, these bonuses turn into real amounts that will be pleasant to spend in stores.
  2. Sberbank works for VISA plastic card holders qualified support service. You can contact her and ask your question - the answer will not keep you waiting.
  3. Internet transactions are protected special 3D-secure technology.
  4. Exist Autopay feature, by connecting which you can not worry about paying monthly bills. If necessary, money is withdrawn automatically. The service is provided free of charge.
  5. It is also possible to withdraw cash outside the Russian Federation or pay for purchases by bank transfer. By the way, in case of loss of a card abroad, an urgent cash withdrawal service is available.
  6. Visa cards from Sberbank allow link your accounts to any electronic wallets.
  7. The client actively using the card, entitled to significant discounts within the framework of promotional and bonus special offers from Visa (and there are many of them).

Types of VISA cards Sberbank

Sberbank Visa Classic cards can be received by almost any paying client. And there are several varieties:

  • classical;
  • created by individual design;
  • "Aeroflot";
  • "Give Life" Classic and "Give Life" Gold.

Standard VISA Classic Sberbank cards: service price and some conditions

To receive a regular Visa Classic debit card, a potential client needs to go to the Sberbank office with a passport and sign the corresponding application. Today, the largest bank in the country issues only personalized cards, so the issue will take some time. This usually takes about a week. Next, the client must again come to the bank office, pick up the card and start using it.

It will be valid for 36 months. After that, at the request of the user, it is reissued. The annual maintenance of the Visa Classic Sberbank card costs 750 rubles in the first year, and then the price drops to 450 rubles.

Any Sberbank Visa Classic salary card is also, in essence, a debit card. Moreover, how much it costs to service a Sberbank Visa Classic card, which participates in a certain salary project, will depend on the agreements reached between the legal entity and the bank. But in any case, the fee for the first 12 months will be no more than 750 rubles if the card is the main one, or up to 450 rubles if the card is additional. In the future, the amount decreases - for the main card you have to pay 450 rubles a year, for an additional card - 300 rubles. By the way, these costs may well be borne by the employer, not the employee.

There is also a VISA classic credit card. It does not give discounts or other pleasant rewards (except for “Thank you” bonuses). But on the other hand, she has a credit limit of up to 600 thousand rubles, chip protection, and a grace period. To obtain such a credit card, you should provide the bank with a more extended package of documents. It should include:

  • the passport;
  • a copy of the work book;
  • certificate confirming real income.

Special Visa Classic cards in the Sberbank line

In Sberbank, each client has the right to order an individual design for his card. In this case, you will have to pay 1,250 rubles a year for maintenance (an additional five hundred rubles are taken for design and related services).

It should also be said about special charitable Visa cards from Sberbank. The cost of servicing the Sberbank Visa Classic “Give Life” card is now equal to 1,000 rubles per year. And servicing Visa Gold "Give Life" will cost 4,000 rubles a year. With these cards, donations will automatically be made to the famous charitable organization - 0.3% of the amount of purchases made. Plus, 50% of the service fee for these cards will go to the fund. That is why its cost is so high.

Among other things, the Aeroflot Visa Classic card is issued, giving a chance to fly abroad and throughout the Russian Federation at reduced prices. The cost of annual maintenance of the Visa Classic card of Sberbank of the Aeroflot type is 900 rubles.

The Visa Classic card is one of the most popular Sberbank cards. Wide functionality is complemented by a large set of discounts, bonus programs.

Visa Classic is a classic of the genre. Affordable maintenance price, a sufficient set of options, transparency and reliability. Nice addition for cards Visa Classic Sberbank, reviews holders on the forums confirm this, are the offers of payment systems.

Terms of Service

The application is filled out on the official website or at the nearest branch of Sberbank upon presentation of a passport, military ID, officer's certificate, or other document.

Requirements for Visa Classic cardholders:

  • the main card - age from 18 years old, for the additional one - from 10 years old (with parental consent), providing information about income is not required;
  • permanent registration in the Russian Federation;
  • citizenship of the Russian Federation - the possibility of issuing a card to non-residents of the country is considered individually for each case.

After 2 working days, an employee of Sberbank will inform you about the approval of the application or the refusal to issue a card. The Bank reserves the right to leave its decisions without comment. A bank employee can tell you how long it will take to re-apply for an international classic Visa card.

Card production time ranges from 2 weeks to 30 days. After receiving the card, it is activated in the same department (it does not make sense to postpone this procedure). At the same time, you can receive a check with a set of logins and passwords for access to your personal account, if it was not there before. Then, funds can be deposited into her account - no less than the amount of the service fee for the first year and.

The leaflet with logins and passwords for accessing the personal account of Sberbank Online, as well as the password for the card, should be stored separately from the card.

Tariffs and features

Visa Classic cards from Sberbank are valid for 3 years. With their help, you can pay for purchases in the "real" and using the resources of the "global network" on the territory of the Russian Federation and abroad. The account can be opened in rubles and other convertible currencies - US dollar, euro.

Basic rates:

  • the cost of servicing the card in the first year is 750 rubles / 25 US dollars / 25 euros;
  • additional cards - 450 rubles / 15 US dollars / 15 euros;
  • the cost of maintenance in subsequent years -450 rubles / 15 US dollars / 15 euros per year;
  • maintenance of additional cards in subsequent years - 300 rubles / 10 US dollars / 10 euros per year;
  • reissue - free of charge;
  • overdraft - no.

It is possible to order a Visa Classic card with an individual design - 500 rubles.

Additional features

Classic Visa participates in the privilege programs of international payment systems MasterCard Worldwide, Visa Intl.

In addition, Visa Classic is

  • the ability to link to electronic wallets - WebMoney, Yandex Money;
  • conducting transactions via telephone, e-mail;
  • replenishment of the card account in cash through an ATM or in a non-cash way - by transfer to a card account or by card number;
  • to pay for housing and communal services, telephony, television, Internet communications, "Auto payment" is available;
  • the possibility of managing a card account and making transactions remotely - "Sberbank Online", "Mobile Bank";
  • emergency issuance of a card to replace the one lost while traveling outside the Russian Federation.

The protection of online transactions carried out online through the personal account of Sberbank is guaranteed. SMS-informing will help to control all actions - when performing any operation, a message will be sent to the phone about the amount spent / received and the balance on the card account. Specialists of the Sberbank contact center at a toll-free number will provide round-the-clock customer support and answer all your questions.

Visa Classic top-up options

Cash can be deposited to the card account using an ATM or payment terminal. When depositing cash through Sberbank ATMs, no commission is charged.

Other ways to replenish your Visa Classic account:

  • by bank transfer - from your account with Sberbank or another bank, as well as from the account of any person or organization;
  • electronic money - in the currency of the card from any electronic wallet.

You can top up your Visa Classic card at the Sberbank office with the help of an employee.

Options for withdrawing and transferring Visa Classic

When carrying out transactions within the region of the location of the branch of Sberbank that issued the card, no commissions are charged for cash withdrawals from an ATM of Sberbank.

You can transfer money to a legal entity, for example, housing and communal services, educational institutions, kindergarten. When connecting "Autopayment", it is necessary to ensure that the card account has the required amount, otherwise it is possible to "leave" in an overdraft, the rate of which is 40% per annum.

Transfer of funds to an individual is carried out either also by details (account number, bank name), or by debit card number. From the Visa Classic card account, you can pay for loans from Sberbank and other banks, transfer funds to a deposit.

All non-cash transactions of payments and transfers can be carried out using ATMs, PCs, laptops, tablets, smartphones. To do this, you need to install a special application on mobile devices. For security purposes, it is required to install applications only from the official website of Sberbank.

Studying on a map Visa Classic Sberbank reviews, it should be clearly understood that the reason for most of the problems that customers have when using this or other cards is ignorance of the terms of the contract. For all questions related to the use of the card, you should only contact the bank's employees: in person at the nearest branch, by phone or through the form of the official website.

Security Visa Classic

This simple and at the same time very reliable card. To avoid losses, you need to follow a few simple rules:

  • not to transfer the card and passwords to it to other persons - neither personally, nor by means of messages, notes;
  • do not transfer access passwords to Sberbank employees - in fact, Sberbank employees never request such information, this is one of the most common types of fraud.

In case of loss of the Classic card, you should immediately contact the bank.

Many people have already used the popular service of banks and. The credit card of Sberbank Visa Classic is invariably in high demand. It allows you to use borrowed funds at any place and time. The credit limit is up to 600 thousand rubles. The interest rate is determined on an individual basis from 25.9% per annum.

The classic credit card has a wide service network. Making it out, a person has access to a range of services and opportunities. Visa Classic credit card can be used to pay anywhere in the world. The term for making the card is several days, and if there is a pre-approved offer, you can get it on the day of application at any branch of the bank.

Pros and cons of a Sberbank credit card Visa Classic

Getting a credit card with an optimal interest rate is not only convenient, but also profitable. Citizens of Russia with a permanent residence permit can get it. In this case, the age of the cardholder must be from 18 to 65 years. A card is issued only if you have a complete package of documents, including income statements, copies of a work book, a passport with a residence permit.

Individuals who:

  • receive wages through Sberbank;
  • use other banking products of the bank (, consumer credit);
  • opened a deposit.

The cost of service is 750 rubles. in year. If the bank has received a pre-approved offer, then you can count on a free annual service. Cardholders can take advantage of individual offers and discounts provided by the bank's partners.

The advantage of the card is the presence of the bonus program "". It allows you to earn points and use them to pay for purchases. When making payments and paying for goods and services using a card, it charges from 0.5 to 50% of the amount spent. For example, you can use points to top up your mobile account or pay for goods in an online store.

The disadvantage of a credit card is the presence of monthly payments. In case of delay in payment, fines of 38% per annum are charged. In addition, late payment of a credit card can damage your credit history, making it difficult to get a loan in the future.

In addition, the bank does not provide the possibility of issuing an additional card. According to the reviews of Visa Classic cardholders, it should be noted that the bank can unilaterally increase the credit limit.

Cash withdrawal conditions

Many people draw up a credit card so that they always have the opportunity to withdraw cash from it at the right time. No less relevant is the question of how to use the card, since it has a strictly limited grace period, an individual interest rate and commissions for cashing out.

Visa Classic allows you to perform many different transactions, including:

  • make money transfers;
  • withdraw cash;
  • pay for services and goods.

With the Visa Classic card, you can pay for any purchases in stores, and, if necessary, cash out at an ATM or terminal. Withdrawal of money from the card is carried out at any branch or terminal of Sberbank. The minimum commission for a withdrawal operation is 390 rubles. or 3.0% of the amount.

If you withdraw money from the card at the terminals of other banks, then the commission percentage increases. For example, if you withdraw 15,000 rubles, then the commission will be 450 rubles. When withdrawing cash in the amount of 5,000 rubles, the commission will be equal to the established minimum amount of 390 rubles.

Conditions for repaying a loan and closing a card

Credit card payments are made in accordance with the payment schedule. After the end of the grace period, the borrower must make a payment for the use of borrowed funds. You can top up your credit card balance using a mobile bank or the "" application. Access to a personal account opens up many advantages for a person, including control over their accounts and bank deposits.

You can pay the monthly payment by depositing cash into the account at the bank terminal. In case of delay in payment, the system of penalties begins to work. Therefore, before applying for a card, it is worth considering whether you can make monthly payments on time and without delay. Regular delinquencies on a credit card can lead to bad credit history.

You can find out the amount of the debt at a branch of Sberbank, in the personal account of the Sberbank Online service, as well as by activating the Mobile Bank service or by sending a message to 900, indicating the word "Debt". At the same time, you do not need to pay money for viewing information.

Today, credit cards are in great demand among a huge number of people. There are many different loan programs from banking institutions. One of the popular standard credit cards is Visa Classic Sberbank. Although Sberbank presents a wide range of credit cards, in this review we will consider the conditions for using the popular Visa Classic.

Sberbank provides optimal conditions for using the Visa Classic credit card. It is issued for 3 years. If you issue a credit card before the end of 2017, the first year of its service will be free, the next two - in accordance with the standard rates of Sberbank 750 rubles per year. The Visa Classic account will be exclusively in rubles. Credit limit up to 600 thousand rubles. The interest rate on the loan is from 23.9% (the minimum is available only for customers of the special offer described below) to 27.9%.

At Sberbank, the terms of the Visa Classic credit card set a grace period of 50 days, which is a huge plus. Interest is not charged for using credit money during the grace period, if you repay the loan on time, you can save a lot.

Special offer to Sberbank clients

You can get a special offer on the Visa Classic credit card from Sberbank:

  • holders of salary or pension cards;
  • debit card users;
  • deposit holders;
  • consumer loan borrowers.

This offer from Sberbank for issuing a Visa Classic credit card improves the terms of use. Thus, the interest rate on the loan will be 23.9%, the credit limit is set for each client individually, and the cost of the annual maintenance of the Visa Classic after the free year expires will be announced at a discount.

It is profitable to pay with a Visa Classic credit card in restaurants and cafes, Sberbank returns 10% of the debited amount back to a credit card.

How to apply for a Visa Classic credit card

The conditions for issuing this type of plastic state that a citizen of the Russian Federation can apply for a Visa Classic credit card at Sberbank after reaching the age of 21 and up to 65 years inclusive, providing only a passport. In this case, you need to have a permanent registration.

According to the terms of using Visa Classic, it is not mandatory to confirm your income with a certificate; you can submit it to Sberbank if you wish to increase the available credit limit on the Visa Classic card.

You can order a credit card via the Internet on the official website of Sberbank or directly from the branch. You won’t have to wait long for a Visa Classic credit card, it is issued at Sberbank within one day.


How to profitably use a bank card

To avoid unnecessary costs, it is better to pay with a Visa Classic credit card by bank transfer without interest. It can be used to pay for goods in an online store, pay for utilities, top up a mobile phone account, pay in restaurants, supermarkets, etc. With non-cash debiting of funds, no additional commissions are charged, and in some cases a certain percentage is also returned if you pay for a service or purchase with a Visa Classic credit card in partner companies of Sberbank.

The conditions are such that if you cash out a card through a terminal or a self-service ATM of Sberbank, a commission of 3% of the amount will be charged, and if using third-party devices, then even more.

Visa is an international payment system, so this credit card is equipped with a chip, it can be used to pay almost anywhere in the world. You can cash out a card abroad in subsidiary banks with the same commission as in Russia.

Conclusion

With active use and conscientious timely return of money, Sberbank may, without the knowledge of the client, increase the limit on the Visa Classic credit card. It is not necessary to use the entire amount, you can withdraw money in the required amount. Credit funds can be used an unlimited number of times. On the same terms as the Visa Classic credit card, Sberbank can issue a credit card linked to the MasterCard international payment system.