How the payment for using the Sberbank card is withdrawn. Which payment system to choose? Bank cards without service charge

Sberbank is today the leader in the banking sector, and therefore its range of plastic products is very wide. Consider what Sberbank cards are: types and cost of service.

First of all, all products are divided into two large subgroups: credit and debit cards of Sberbank, the types and cost of service within the categories for them naturally differ. The types of cards are determined according to their class and payment system. Sberbank has two of them: Master Card and Visa. The first includes the Maestro, who serves the simplest cards.

Sberbank cards types and cost of service

As for the types, they differ in prestige and in participation in a number of projects and are represented by both systems:

• The simplest products: Momentum. From the name it is clear that their advantage is the speed of registration. The initials of the holder are not marked on the plastic, and therefore it is issued directly upon reference. Have restrictions on their use on the Internet and abroad.

• Virtual: operate primarily on the Internet. Capable of connecting to all known electronic wallets.

• Youth: a simplified version of the card with a minimum cost for youth between 14 and 18 years old. Limited to 27 years old.

• Social. Designed primarily for the transfer of pension contributions. Have high percent to accumulate the balance - 3.5%.

• Classic: the best option. Provide a package of capabilities similar to premium cards. Used in retail outlets and transactions through ATMs, online services.

• Classic contactless: the difference is the presence of a chip that does not require the transfer of the card to other hands. All operations can be carried out by attaching the plastic yourself to the appropriate device.

• Gold: increases the prestige of the holder. The difference from the classic ones is the ability to use the privileges of payment systems abroad in the form of promotions and discounts from partner companies (shops, salons, hotels, restaurants, airports).

• Premium: Premier Visa... Provides a larger amount of bonuses for purchases, allowing you to receive discounts when paying for tickets at airports and hotels. A high quality mobile application is used.

• Give life: Visa... Allow to show civil position participating in helping sick children.

• Aeroflot: Visa Classic and Gold. For spending from the card, special "miles" are credited, which can be used to purchase tickets and upgrade the class of service.

Sberbank salary cards

If the employer issues Sberbank salary cards, the types and cost of services depend on the option chosen by the employee. Today it is permissible to issue Classic, Golden, Give Life and Aeroflot for this purpose.

Credit card limits

Credit cards also have their own classification, while the amount of possible borrowed money, but not additional privileges similar to debit ones:

• Momentum: up to 120 thousand rubles;
• Classic: up to 600 thousand rubles;
• Gold: up to 600 thousand rubles;
• Youth: from 15 thousand rubles;
• Give life visa, Aeroflot: up to 600 thousand rubles.

The criterion is assigned by employees at the time of registration. That is, each client is assigned its own limit. If the return of borrowed resources is made in 50 days, then interest will not be charged.

Any bank card is a service, and, as you know, you have to pay for services. So that the writing off of the service fee does not come as a surprise to you, you should familiarize yourself with the tariffs of your card, or read the material prepared by us.

Issuance of a Sberbank card is always free, with the exception of cards with. Your favorite image on the front of the plastic will cost you 500 rubles (one-time).

In Sberbank, the terms of service for cards imply an annual write-off of a fixed amount. Sberbank's commission for servicing the card depends on:

• Card class
• (debit, credit)
• Service tariff plan
• Client categories

Bank cards without service charge

The lowest tier cards are usually offered by banks for free. Sberbank has:

• Maestro Social Card;
• All Momentum Instant Cards (Maestro and Visa Electron);
• Prepaid gift card.

If you issued a credit card at the special offer of the bank, then your credit card without annual service... Sberbank offers such conditions to the category of regular customers. You can find an individual offer in personal account « ».

Classic cards

Most of all in circulation are the classic cards VisaClassic and MasterCard Standard. This level is most often preferred by customers, it is also applied to salary cards of Sberbank. The types and cost of servicing cards within the framework of salary projects may differ from the standard conditions. For example, some employers charge an annual fee for maintaining their employee's card.

The most popular are Visa and Matercard in the classic version: a silver card will cost you 750 rubles per year.

Sberbank debit cards: types and cost of service

Unlike other banks, where the type of payment system plays a role, for Sberbank it is the same - how much does the annual service of the Visa Sberbank card cost and how much does it cost to service the Mastercard Sberbank card.

Tariffs determined by Sberbank for plastic cards are important in determining the cost of service. For example, special programs for young people are more beneficial than the branded Aeroflot and Grant Life. See for yourself:

• Virtual card for payments on the Internet - 60 rubles / year;
• Youth card Visa Classic and MasterCard Standard - 150 rubles / year;
• Personalized electronic cards Maestro and Visa Electron - 300 rubles / year;
• Classic cards Visa Classic and MasterCard Standard - 750 rubles / year;
• Visa Classic cards - 900 rubles / year;
• "Give Life" Visa Classic cards - 1000 rubles / year;
• Individual design cards Visa Classic and MasterCard Standard - 1250 rubles / year;
• Gold Visa Aeroflot card - RUB 3,500 / year;
• Gold Visa card "Give life" - 4000 rubles / year;
• Platinum and premium cards Visa Platinum / MasterCard Platinum - 10,000 rubles / year;
• Debit cards Visa Platinum "Give Life" PayWave - 15,000 rubles / year.

Credit Cards: Service

The cost of Sberbank cards was not increased in 2016, although such rumors were present. Perhaps the decision to leave tariffs at the same level was influenced by the planned issue by the Bank of Russia of cards of the new national payment system Mir.

• Instant credit cards (unnamed) - 0 rubles / year;
• Credit youth cards Visa Classic and MasterCard Standard - 750 rubles / year;
• Credit classic cards Visa Classic and MasterCard Standard - 750 rubles / year;
• Credit cards "Aeroflot" and "Give life" Visa Classic - 900 rubles / year;
• Credit gold cards Visa and MasterCard - 3000 rubles / year;
• Credit gold cards "Give Life" and "Aeroflot" Visa Gold - 3,500 rubles / year.

The largest Russian bank - Savings Bank - offers its clients a wide range of banking services, including card products. The payment instrument is based on high-quality plastic, resistant to mechanical stress. Taking a Sberbank card in our hands, we not only get a lot of advantages and opportunities (prompt decision on issuance, freedom to use funds, availability of a grace period for credit cards, etc.), but we are also surely interested in the question of how much it costs to service a Sberbank card. We will talk about this today.

This is a payment instrument for those who do not want to bind themselves with credit obligations, preferring to do with their own funds.

When choosing debit cards of Sberbank, the types and cost of servicing which differ, take into account the peculiarities of each:

• Social - as a rule, it is issued for retired holders and is intended for the transfer of retirement benefits and other types of social security. There is no payment for maintaining such a card, moreover, the percentage charged on the balance of funds will be slightly higher.
• Youth is an inexpensive tool that anyone can open. The cost of servicing a card in this segment is very democratic - only 150 Russian rubles per year.
• Classic - a traditional card, the only difference from a credit card is that it does not provide loan funds. The annual service of such a card will cost the client 750 rubles.
• Premium gold - this plastic is an absolute analogue of a gold Sberbank credit card, while support as a service is no exception. If you open such a card, then you will have to pay for it an amount of 3000 rubles annually.
• Premium Platinum - the most comfortable cards for the client. The holder of this tool not only has the opportunity to use a round-the-clock service, but also gets a dedicated personal consultant. True, such a necessary and pleasant service costs quite a lot - you will have to pay 10 thousand rubles a year.

Another type of debit cards are salary cards, but we will talk about them below.

Credit cards

The service of a Sberbank credit card will also depend on its status and type.

They are the usual universal and partner ones.

The former include the following:

• instant credit cards of Sberbank without service charges;
• classic - the most profitable option, which will have a good limit at pleasant interest, and the cost for the service will be only 750 rubles per calendar year;
• gold - with a limit of up to six hundred thousand rubles and an annual fee of 3 thousand.

Sberbank instant credit card

• Available from the age of 21
• All you need is a passport
• Registration in 15 minutes

Partner credit cards are issued under the Give Life program (with free maintenance and the ability to help sick children), and Aeroflot (allows you to accumulate bonuses for purchasing tickets).

Salary card

This is a type of plastic cards, which are a subspecies of debit cards, but are intended to receive wages... To make such a card, the client does not have to pay anything - the employing company pays for the issue of the payment instrument. But for them there is an established tariff scale for working with the so-called salary projects. Its details can be found on the Sberbank website or at the nearest branch (in addition, a factor such as the amount of plastic produced will affect the cost of maintenance).

Thus, in order to answer the question of how much does the annual service of a Sberbank card cost, you need to decide on the type of plastic. As you can see, many banking products are not expensive at all, unless, of course, you are interested in a VIP-class banking service. As they say, a high level is a high price.

A bank card opens access to a personal account. Thanks to her, you can carry out a number of operations: money transfer, payment utilities, account replenishment and others. Often a bank client cannot choose the one he needs, since each banking structure has an impressive list of cards for registration. In the material below you can find out how Sberbank cards will differ, what types are there and what the cost of their service.

Types of cards of Sberbank

You need to choose a card based on your needs. The largest banking institution in Russia, Sberbank, issues the following main types of cards: debit and credit. And the total amount of their subspecies is 40 different cards for all occasions. Let's start getting acquainted with the debit products of Sberbank.

So, with the help of debit cards the client can:

• Pay at retail outlets;
• Store funds in a personal account;
• Pay online;
• Receive and use bonuses.

Types of Sberbank Debit Cards:

• 1. Classical - with The most common type of plastic debit. With this card, you can pay without cash, transfer funds using an online system or via SMS, control savings, withdraw them at a convenient time and make regular payments. By the way, instructions for transferring money from card to card of Sberbank
• 2. Bonus p Provides insurance for the product itself and, when traveling abroad, allows you to take out other types of insurance. Service with more than 2.5 million rubles is free.
• 3. Gold. The client uses discounts all over the world. Benefits of gold plastic: personalized service and improved protection. The cost of using the card is 5 thousand rubles per year.
• 4. Platinum. Issued without a limit on operations. The annual cost for service is 10 thousand rubles;
• 5. Youth. A plastic payment card is issued for people from 14 to 21 years old. Has its own unique design and relatively low maintenance cost;
• 6. Social intended for retirees. Differs in free service and charge of 3.5% per annum;
• 7. Debit card Instant payout issued within a few minutes. Has a minimum set of services. You can use it to pay, replenish your account and transfer funds. Service cost - 0%;
• 8. For the child. Such a card will be an additional card to the parent card. Issued for children under 7 years old;
• 9. Virtual. Designed for operations in the Internet system;
• 10.Customized design.
• 11. Gift. Good as a gift, since there is a function of payment for all services;
• 12. Salary. To receive a salary, you can choose an entry-level salary plastic: "Sberbank-Maestro" and "Visa Electron". You can set up a system for receiving salaries in the accounting department of the organization.
• 13. "Give life." Its purpose: transfer of part of the funds for the treatment of serious diseases of children;
• 14. Aeroflot... The client accumulates bonuses to receive a discount on air tickets.

Sberbank credit cards differ in the amount of the limit and additional features. Views:

• 1. Classical. The service is free if the credit limit is 600 thousand rubles. If the limit is greater, the payment for using the card is 750 rubles;
• 2. Youth. The cost of use is 750 rubles. The limit is: 15-200 thousand rubles;
• 3. Gold. Free use with a limit of 600 thousand rubles. If the limit is more than this amount, the service is 3 thousand per year;
• 4. Instant payment. Issued within 15 minutes. The service is free. Limit level: 120 thousand rubles.
• 5. "Give life." Limit: up to 600 thousand. Service is free;
• 6. Aeroflot - up to 600 thousand. Annual payment: from 900 rubles.

Having familiarized yourself with the above card options, you can easily choose the best plastic option. You should also know what the limit for cash withdrawals through the Sberbank ATM is set per day.

Which payment system to choose?

It is important to pay attention to the three main international payment systems when choosing the card itself: Visa, Mastercard. Let's consider the features of each system.

Payment system Visa from Sberbank:

• It is widely used in the USA, Australia and Canada;
• Commission 0.65% depending on the amount of the transaction;
• It is better to consider it for work with the transfer and accrual of money in rubles and dollars.

Payment system Mastercard from Sberbank

• More in demand in Europe and Africa;
• Commission for currency conversion service - 0%;
• Used for financial transactions in rubles and euros.

It should be noted that almost a quarter of bank cards use the Mastercard payment system.

Maestro card from Sberbank

This is a payment service from the MasterCard system. Maestro plastic is not international, as it is produced only in national banks. Produced and serviced free of charge. The range of options and services is limited. It can be considered for:

• Withdrawing cash from an ATM and points of issue of funds;
• Payment for purchases at retail outlets;
• Operations that are carried out subject to mandatory electronic authorization and code entry.

It should be noted that the analogue of Maestro from Visa is the Visa Electron card.

An important point: when issuing a card with any payment system, you must have an original passport with you.

Cost of servicing Sberbank cards

Debit card service fees:

• Classic - 750 rubles;
• The security for the gold card is 3000 rubles. in year;
• The annual cost of platinum is 10,000 rubles;
• 2500 rubles is a bonus, provided that the balance of plastic is 2.5 million. If the total amount of the bill is more, the security is free;
• You need to pay 150 rubles for a Sberbank youth card;
• Social security - free;
• Momentum instant dispense plastic service cost is zero;
• The amount of the cost of securing a Sberbank child card depends on the type of plastic of the parent;
• Service plastic with an individual design costs 750 rubles;
• Payment for maintenance of virtual plastic - 60 rubles. in year.

The amount for servicing credit cards from Sberbank:

• Maintenance of standard plastic can be either free or cost 750 rubles. The price depends on the "filling" of the product;
• The cost of a Sberbank gold credit card varies from 0 to 3000 rubles per year;
• Youth service is 750 rubles;
• As for the instant credit card, its service cost is zero.

Will the cost of servicing Sberbank cards change in 2018?

According to forecasts, the cost of servicing Sberbank cards in 2018 should not change. According to financial statistics, banking institutions are not aiming at a regular increase in the cost of services, however, in a crisis, a slight increase in prices can still be observed.

Many potential and existing customers are interested in whether there are Sberbank cards without service fees. The bank's offers on plastic cards are quite diverse. The presence or absence of an annual fee depends on various factors. Let's take a closer look at what cards can be issued and used for free in this bank.

Sberbank plastic cards

Sberbank is a large financial institution with many branches in different regions RF and abroad. He enjoys the well-deserved trust of clients, offers them a variety of banking products, quite profitable terms their use.

Therefore, any question related to the activities of this bank will be interesting and relevant for both existing and potential customers. Are Sberbank cards issued without annual service? Yes, there are such proposals. Let's find out in more detail which cards should be chosen to save on payment.

Card service fee

It is always important for plastic card holders to know what expenses are incurred when using bank cards. The following types of payment should be attributed to regular expenses:

• for annual maintenance: the higher the status of the plastic, the more expensive it costs to its owner. But at the same time, there are options in which even status cards of the GOLD and Premium categories can be serviced free of charge;
• for various services: each bank sets a monthly fee for services such as SMS notification, Mobile and Internet banking, etc. There are cards for which some services are provided without a monthly subscription fee;
• transactions: most banks provide withdrawals Money no commission at our own ATMs within the daily limit. For transactions using third-party ATMs and for any withdrawal of funds from credit cards a certain commission is provided.
• transfers: for credit cards such an opportunity is often not provided, you can transfer money from debit cards. No commission usually this service provided between cards of the same bank, in other cases, a commission is usually charged.

These are the main costs for plastic owners. Let's consider which Sberbank cards without annual service can be issued.

What determines the annual fee

Usually, the amount of the annual payment for the use of plastic depends on the following factors:

Sberbank cards without service charges are issued in different options... We will learn about all the offers of the bank on cards without paying for their use.

It should be noted that the bank does not charge a fee for the issue. An exception is the individual design of plastic, which is ordered by the future owner.

Free offers

If a client needs a Sberbank card without annual service, then he can use one of the this moment offers:

• Debit: in this category you can apply pension MIR or instant Visa.
• Salary: cards of different categories for salary projects can be issued in rubles, dollars or euros. At the same time, there is usually no payment for use, if the terms of the contract for salary services do not imply another option;
• Credit cards: gold Visa and MasterCard and instant cards are provided free of charge. Within the framework of special offer the following credit cards can be issued: Classic and cards of different categories with a charity element Give life.
• As part of the Sberbank Premier service package: its connection makes it possible to receive up to 5 types of plastic without payment for use. The cost of the service package itself is 2.5 thousand rubles. monthly. But for clients who have accounts and deposits with the bank (money on the card account is also taken into account) for a total amount of at least 2.5 million rubles, this service package is provided free of charge.

Conclusion

This is a complete list of Sberbank cards without service charges. Potential and current clients can choose which plastic is most suitable for them and apply to the inpatient department or online for their release.