Today, almost every person has a plastic card. It can be used to pay loans, receive salaries, make payments, store currency, etc. But in order to use all the features of a bank card and not overpay for unused options, before the registration procedure, you need to study the available options. In this article, we will analyze all the features of the Classic Sberbank card, as well as limits and restrictions in 2019.

Features of the classic Sberbank card

The classic card is the best from Sberbank, with an ideal ratio of price and available limits. The card is suitable for payroll, pensions, as well as other financial transactions, since on an open account, the client can use the currency of the Russian Federation, euros and dollars. A classic card can participate in events conducted both by Sberbank itself and by the payment system that services the card. To date, the classic card is served by three systems: Visa, Mastercard and MIR, the differences of which can be found in this article.

For those holders who use a card for non-cash payment, it will be useful, according to the rules of which, any purchase in will bring bonus points. Bonuses can return up to 20% of the purchase price. After accumulating a certain number of points, they can be spent in the same partner stores that cooperate with Sberbank. Among the partners are such networks as:, etc. Behind complete list, it is worth contacting the programs.

Features of the classic Sberbank card:

• Holding money transfers, setting up and paying for services using remote services;
• on financial transactions;
• Linking a card account to an electronic wallet;
• Emergency issuance of money in case of loss of a plastic card abroad;
• Regular maintenance via ;
• Use of services and .

Limits and cost of service

To replenish a classic Sberbank card, you can use both bank cash desks and self-service devices. If the account is replenished in dollars or euros, then the currency transfer will be carried out at the current rate of Sberbank. For account holders, there are two ways of non-cash replenishment. In the first case, money can be sent by transfer from an account opened with a bank or from a personal account issued to another legal entity or individual. In the second case, the transfer can be made from an electronic wallet.

If the transfer is made through an electronic wallet, then the transfer currency must match the type of currency card.

Limits on transactions with a classic card:

• Through a Sberbank self-service device: 150 thousand rubles per day;
• Through the cash desk of Sberbank: no more than 150,000 rubles per day;
• Cash acceptance through the bank's cash desk: 10,000,000 rubles per month.

You can withdraw no more than 1.5 million rubles per month without commission.

Commission is charged in the following cases:

• When cashing out in excess of the limit at the cash desks of Sberbank (regardless of the region) - 0.5% of the excess of the limit;
• When cashing out in excess of the limit in subsidiaries of Sberbank - no commission (excluding the commission charged by the subsidiary bank PJSC Sberbank);
• When cashing out at the cash desks of other banks - 1% of the amount, but not less than 150 rubles;
• When cashing out at ATMs of other banks - 1% of the amount, but not less than 100 rubles;
• When transferring money to an account through another bank - 1.25% of the transfer amount.

Annual card maintenance cost:

• Main card: 750 rubles in the first year and 450 rubles in the second year and beyond;
• Additional card: 450 rubles for the first year and 300 rubles for the second year and beyond.

How to get a classic Sberbank card

To issue a classic Sberbank card, the client needs to contact the Sberbank branch with a passport and fill out an application form for issuing a card. You can also send an application online through Sberbank.

After filling out a special form, the bank will issue a plastic card and notify the future holder by phone that it is available at the Sberbank branch. The client will have to come to the branch, sign, receive and swipe the cards. Also, before proceeding with the procedure for ordering a card, it is worth studying the requirements for future holders of Visa and Mastercard Classic.

Requirements for getting a classic card:

• The main card is available for registration to persons who have reached 14 years of age;
• Issuance of an additional card for persons over 7 years old, subject to the written consent of the main card holder.
• The presence of the client's registration on the territory of the Russian Federation;

Advantages and disadvantages of Visa Classic

The most important advantage of the classic card, which is why most customers prefer this product, is the ability to open several foreign currency accounts. Also, the opportunity to participate in the Thank You loyalty program gives the right to receive big discounts for those who use a plastic card as the main means of payment.

The classic card works even abroad. The holder can pay for goods and services in foreign stores on standard terms. The operating conditions of the card also include cashing out funds abroad, at ATMs and terminals of other banks.

For added security, the card is equipped with an electronic chip. Additional cards of a simpler category () can be linked to the main account. Sberbank also issues for its customers, which in its characteristics does not differ from a standard classic card, but provides the opportunity to order a non-standard pattern on a plastic carrier. By the way, if frequent use of the card as a means of payment is implied, it is worth studying a new offer from Sberbank - which has increased withdrawal limits, and also provides additional privileges from the Thank You bonus program.

The Visa Classic credit card from Sberbank and MasterCard Standard are truly the most popular cards among customers. The reason is simple: they combine a pleasant price ratio for annual services with a huge palette of services offered. These debit cards are the most affordable, as they have a minimum of requirements for their potential owner.

The Visa Classic credit card is designed for modern people who are used to relying on electronic currency. It is the most popular not only in Russia, but all over the world. Ideal for paying for purchases - can be used to withdraw cash from ATMs and at all settlement points of the global Visa card acceptance network.

Table 1. Tariffs for credit cards Visa Classic and Master Card Standard

Service	Price
Annual credit card service	-750 rubles in the first year; 450 rubles for each subsequent year.
Additional card annual service	-450 first year; 300 rubles for each subsequent.
Another reissue of the card	For free
Early card reissue	150 rubles
Replenishment of the card in cash	No fees charged by the cardholder
Issuance of cash at ATMs or cash desks of Sberbank	No commission if the daily limit is not exceeded. With a 0.5% commission if you exceed the daily limit.
Cash withdrawal in other banks	ATMs: 1% of the amount, but not less than 100 rubles. Cash desks: 1% of the amount, but not less than 150 rubles.
Cash withdrawal limit at Sberbank cash desks	Per day: 150 000 rubles. Per month: 1,500,000 rubles.
Limit of withdrawal of funds at the cash desks of other banks	Per day: 150 000 rubles. Per month: unlimited.
Credit limit	Up to 600,000 rubles
Payment for goods and services	No commission

Advantages of Visa Classic payment card:

• convenient and prompt payment for goods and services in more than a million points of trade / service;
• opening a card account in 3 currencies (ruble, US dollar, euro);
• the possibility of using a bank credit line;
• control over the state of the card account using SMS messages about the state of the account or e-mail statements;
• the possibility of replenishing the card account in cash or non-cash way;
• using funds on a card account with Sberbank abroad;
• when crossing the allowable amount, the state of the account is not subject to entry into the customs declaration;
• independence from the operating mode of the bank - the ability to carry out operations around the clock;
• the ability to quickly and without significant costs to book air tickets, cars, hotel rooms in all countries of the world; enjoy discounts in travel agencies and airlines, as well as make payments via the Internet.

You can also open an additional card for yourself or for a member of your family, giving him the opportunity to use the funds on your card account (if you wish, you can set limits on the use of funds). You can even issue an additional card for a seven-year-old child!

As you can see, the use of the card opens up great opportunities for the owner. Operations to pay for certain goods and services take place literally "on the fly", which means that the time of the owner of the plastic is not wasted. This is very important for people who want to do everything, despite the incredible dynamism of the world!

This card is also incredibly popular in different parts of the world. It has a number of advantages that make it worthy of the attention of customers.

• Firstly, Master Card holders have a unique opportunity to participate in promotions from Visa and Master Card payment systems. This will help save money on purchases of goods and payments for all kinds of services.
• Secondly, Master Card can be linked to electronic virtual wallets, for example, Yandex.Money. Finally, Master Card holders receive quality service around the clock at Sberbank's contact centers.

By the way! In case of loss of a Visa or Master Card abroad, the owner can contact the emergency cash service.

In addition, other services are available to debit card holders.

Table 2. Other services.

The "Mobile Bank" service is useful for those customers who want to control their accounts, receive SMS notifications about all transactions, transfer cash by mobile number, pay for mobile services online.

Terms of use of cards

To receive a card and further use it, the client must meet two parameters.

1. Have a permanent or temporary registration on the territory of the Russian Federation.
2. Be over 14 years old to get a basic card and over 7 years old to get an additional one. In the second case, the documented consent of the legal representative of the child will be required.

A few simple steps are followed during the card issuance procedure. Firstly, the client must provide a passport to receive it. Then the bank employee gives the client a card with a sealed envelope containing a PIN code. It is the PIN code that ensures the conduct of transactions when paying for goods and services. You can also apply for a card online.

Important to remember! The client must keep the PIN code secret: do not write it on the card, do not inform other persons, do not store the PIN envelope with the card.

After that, the card is activated within a day after registration. The holder of the Master Card or Visa can independently activate the card when performing an operation with a PIN code (this can also be an online payment).

If the card is damaged due to bending, for example, the client can contact the Sberbank division for the reissuance procedure.

How to use?

To pay for goods and services with one touch of the card, you must follow these steps:

• recheck the purchase amount;
• touch the card to the reader;
• a beep will sound and the reader will display “Approved” on the screen.

The cashier of the trade and service enterprise must offer the cardholder to use the electronic terminal. For a successful payment transaction, the cardholder must enter the correct PIN code. Upon completion of the transaction, the cashier must issue a sales receipt or sales slip to the client.

Payment for services and goods online

To conduct an online payment for goods and services, the following data is required:

• card number;
• card expiry date;
• name and surname of the cardholder;
• security code;

For security reasons, you should use only those sites that use the technology of secure card transactions. These are technologies such as "Verified by Visa" and "MasterCard SecureCode".

Important to remember! Online payment does not require a PIN code!

Operations on the Internet are carried out using one-time passwords, which are sent in an SMS message to the cardholder's number.

Interest rate and grace period

Visa and Master Cards offer interest-free loans for up to 50 days. At the same time, every month the bank sends an SMS message to the client indicating the amount and date of payment.

In order not to pay interest and avoid delays, Sberbank offers a flexible lending system. Let's say the report is dated the first of October or 01.10, this means that the grace period starts on 02.10. Let's also assume that the customer made a purchase on 02.10. In this case, he has 50 days to repay the loan without interest, that is, until 21.11. If you make a payment for a product or service on November 21, then 32 days remain to repay the entire amount in an interest-free format.

If the client has overcome the milestone of 50 days, then interest is charged. The interest rate in this case is about 23-26% per year.

Cash withdrawal

You can withdraw cash using both Sberbank ATMs and ATMs of other banks. To do this, you just need to insert a credit card into an ATM and, using the instructions on the screen, withdraw the required amount.

It is important not to make mistakes when entering the PIN code, because after 3 attempts to enter the code incorrectly, operations with entering the PIN code will be available only the next day. You should also keep your PIN secret from others.

Cash withdrawal rates are set out above - in table 1.

The Classic credit card from Sberbank is a great solution for a modern person. It is also a great way to save money, as Master Card and Visa often offer all sorts of loyalty programs and promotions. All information about this can be found on the Sberbank website. In addition, there is a free bonus program "Thank you from Sberbank".

Credit cards are a great solution for those who would like to always have a small cash reserve for unplanned purchases. In addition, they allow you to use finances without waiting for a salary. And if you cover the loan during the grace period, you will not have to pay interest to the bank. All these aspects distinguish the product from consumer credit or microloan.

The Visa Classic credit card issued by Sberbank has a number of advantages. The conditions for using a credit card are quite simple and clear. The bank will not deduct hidden commissions or unreasonable fines from the client.

Maintenance of plastic is also not difficult. A wide network of branches in all cities of Russia, a 24-hour telephone support line and reliable Internet banking are the undeniable advantages that the Sberbank Visa Classic credit card boasts.

Differences between credit cards and debit cards

And yet, despite the attractiveness of the offer, before deciding to issue a credit card, it is worth considering that such cards differ significantly from debit cards. Not only the possibilities of plastic differ, but also the conditions for obtaining and servicing. In particular:

1. You can't just get a credit card. Unlike debit products, a bank's money is stored on a credit card. To acquire the right to use them, you will have to go through a number of mandatory procedures and provide certain documents. In general, the procedure for obtaining a Sberbank Visa Classic card, and many other plastic credit products, is similar to applying for a consumer loan.
2. Withdrawing cash from a card at an ATM will always be associated with a commission charge.
3. The presence of a permanent place of work and the amount of wages will affect the amount of the credit limit provided by the bank.
4. The card must be named. In some cases, it will contain not only the surname and name, but also a photo of the owner.

For comparison, a similar product - a payroll card - does not allow the holder to use borrowed funds. On it you can store and accumulate only your own funds.

Credit card from Sberbank: main features

The Sberbank Visa Classic credit card is easy to apply, and its annual service will cost the holder not too much - no more than 750 rubles. In the first year of use, there is no annual use fee at all.

The main characteristics of the product also include the following aspects:

• Service in the amount of 750 rubles. It is written off every year in a single amount, in the month the card is issued.
• If there is a pre-approved offer from the bank, the card is provided free of charge and without additional requests and documents. Note that Sberbank can make such an offer by default to its regular depositors or payroll card holders.
• The card is issued in only one service currency, namely, in rubles. Loans in foreign currency are not provided for it.
• The annual rate is 25.9 - 33.9%. The final figure is determined by the bank, based on the individual characteristics of the borrower. By the way, the percentage for credit cards is always several times higher than the rate for consumer loans. In the case when the bank offers to issue a credit card on the basis of a pre-approved application or fixes a positive credit history of the client, the rate can be set at the lower bar.
• The grace period on the card is 50 days. This is a fairly reasonable period of time during which the borrowed funds can be repaid without paying interest on the loan.
• The credit card is equipped with a modern security system, and without fail has a chip and / or magnetic tape.
• The service of SMS notifications about the movement of funds on the account or the Mobile Bank is connected upon request and free of charge.
• The product supports free access to Sberbank Online. The system allows you to make any payments via the Internet.

How to get a Visa Classic credit card from Sberbank?

The Visa Classic card supports two design options:

1. On a pre-approved proposal.
2. After submitting an application to the bank.

The first option is considered the simplest and most reliable. In this case, the applicant will be guaranteed to receive the card. If a client keeps a bank deposit, has a salary card, or repays a loan without delay, then there is a high probability that Sberbank will offer him to issue a credit card, moreover, on special conditions.

For reliable customers, a preferential loan rate and favorable conditions for servicing plastic are provided. At the same time, the borrower is not required to provide any documents other than a passport.

If the receipt of credit funds is the initiative of the client himself, and the bank's offer has not been formed, you will have to draw up an application to the bank. The easiest way to do this is through or simply (if you do not have access to Internet banking yet). In parallel with this, at the request of a financial institution, it will be necessary to provide a number of documents confirming the solvency of the applicant. Among them:

• Documents confirming the receipt of income (certificate 2-NDFL or a certificate in the form of a bank, an extract on the amount of a pension).
• Documents confirming the official employment of the borrower (a certified copy of all pages of the work book, a copy of the employment contract or contract).
• Certificate of ownership of real estate owned by the applicant or PTS.

In addition, only a person aged 21 to 65 who has Russian citizenship, permanent registration and a total work experience of at least a year (and at least 6 months at the current place) can become a borrower.

If there is no critical need for borrowed funds, it is better not to rush to submit an application and wait for the formation of an offer initiated by the bank. The offer is guaranteed to go to those who:

• there are institutions;
• made a contribution;
• the loan is successfully repaid;
• open salary or pension card in Sberbank.

How to use the card?

It is extremely important to understand how to use a Sberbank credit card. This will be useful to all those who want to safely avoid loan delinquencies and, as a result, overpayments caused by lack of information.

Here are a few simple rules, the observance of which will make cooperation with the bank as comfortable and profitable as possible for the client:

1. The Visa Classic card from Sberbank is best used for cashless payments. This is her key feature. You can make payments in stores through terminals, making purchases in online stores or through Sberbank Online. Do not use a credit card to withdraw cash. First of all, a commission will be charged for this operation (on average, 4% of the amount + 150 rubles for the fact of withdrawal). In addition, the grace period does not apply to such transactions.
2. If the card was used to withdraw cash, then the interest on this amount will be accrued from the next day after the transaction. It will also be included in the monthly payment. In this case, you can find out the exact amount of payment and the date using the Sberbank Online service. Additionally, notification is received via SMS. Activating the Mobile Bank service will save the owner from annoying misunderstandings.
3. A credit card can be replenished using Sberbank Online, at a bank branch, through a terminal, an ATM by transferring funds from other accounts. If the transfer is made from the account of another bank, then it should be borne in mind that the process of replenishing the card may take up to 5 business days.
4. All card transactions are recorded, and based on the results of its use, the holder's credit history is formed. Information is stored in single bureaus, therefore, in case of dishonest use of the loan, subsequent attempts to take a loan from any other bank will not be successful. It is necessary to carefully monitor the timely and complete receipt of funds into the account.

Visa Classic credit card is an excellent cash reserve. It will allow you not to borrow up to the salary from friends and relatives. In addition, what is stored there is renewable. This allows you to use the product as needed for a long time.

However, before withdrawing money from a credit card, we recommend that you familiarize yourself with all the conditions and tariffs so that you do not encounter difficulties and serious troubles in the future.

Plastic cards entered our everyday life not so long ago, but they have already taken a strong position, allowing you to save time every day and provide round-the-clock access to financial management. This service is most popular among the population, as it allows you to independently and at any time make the necessary operations: transfers, payment for services, non-cash payments, and so on. Plastic cards help save a lot of time and free it up for more important things than queues or waiting.

One of the most popular cards among the population is Visa Classic. Sberbank, one of the oldest and most reliable banks in Russia, offers to issue it at any of the branches. At the same time, customers get the opportunity to take advantage of bonuses and special promotions.

Conditions for obtaining a Visa Classic card (Sberbank)

It doesn't take much to become a cardholder. A client can become a citizen of the Russian Federation at the age of 18 who has a permanent residence permit in the country. At the same time, when issuing an additional card, the minimum age is 10 years. In order to start processing, you must fill out an application in person or on the Internet, present your passport and sign all Required documents. The application is considered for approximately 2 business days, after which the client is informed of the decision.

Features and advantages of the Visa Classic card (Sberbank)

When processing documents, clients can choose Russian rubles, Euros or US dollars. Validity - 3 years. At the moment, all cards issued by Sberbank are equipped with a chip to protect information. This will help protect the client and his savings from unauthorized spending. Additional financial products can be issued for each card. Many other benefits are also available to customers when contacting Sberbank. The "Visa Classic" card allows everyone to become a member. In addition, you can receive discounts and bonuses from bank partners.

Features of the card "Visa Classic" ("Sberbank")

All bank customers can use the organization's website. With its help, you can carry out all the necessary operations at any time independently. If you have the functionality on your smartphone or tablet, you can install the "Mobile Bank" system. It will allow you to manage your finances even more efficiently.

For customers who value their time and prefer to pay for services and purchases on the Internet, Sberbank offers special protection for payments, which excludes loss or leakage

Features of the "Visa Classic Youth" card ("Sberbank")

Young people who prefer banks are often offered special conditions, according to their needs. "Visa Classic Youth" from "Sberbank" is a good example of this. The card is available in two types: debit and credit. In the second case, clients have the opportunity to use a credit line with an interest rate of 24% per annum.

Each of us in Everyday life collides with bank cards. Someone uses them to get short-term loans, someone works with debit cards to save and spend money. The advantages that bank cards have are so obvious that it simply does not make sense to list them separately - this is security, benefit, and comfort.

In this article, we will talk about the Visa Classic cards issued by the largest bank in Russia. Sberbank (namely, about him in question) offers its customers a wide range of banking products for every taste. By ordering one or another card, you can use a lot of profitable offers. All this - further in the text.

General information about Visa Classic

So, let's start with the fact that all the cards that are presented in the assortment of Sberbank belong to the two most common payment systems in the world - Visa and MasterCard. The conditions, as well as the features of a particular category of cards, are quite similar for both. The difference lies only in the names, as well as in some individual proposals. For example, bonus programs, various temporary promotions and discounts that become available to the client - the owner of the card, regardless of the payment system. Their essence is similar, but this is a topic for another article.

In this one, we will tell you in more detail about what the so-called classic card gives, which is serviced by the Visa system. Also, within the framework of this article, we will consider the features of this type of banking product, talk about the advantages and disadvantages.

Debit cards

The first category of banking products, which we will mention in the framework of the article, is the “Visa Classic” (Sberbank), a debit card designed to accumulate and save the owner’s money. Its function is extremely simple - it is the key to the bank account in which the client keeps his savings. It is very easy to work with such a card - the user only needs to pay a monthly fee for servicing the card. Otherwise, Visa Classic (Sberbank) provides ample opportunities for its owner. A person can deposit funds to the card, which will later be stored on his account until withdrawal (at any time). In order to encourage the client for using bank cards, he is credited with various bonuses when paying for goods and services with his card. They are expressed as a percentage of the total purchases. In addition, an interest rate is charged on the debit card for keeping funds in the account. Thus, the client earns small dividends in any case when he spends or saves money.

Types of cards

Formally, there are four types of Sberbank debit cards - this is a simple "Classic", with a unique design, an Aeroflot card, as well as a card that helps to take part in charity. The differences between them are obvious - if the first one is drawn up according to a common template (thousands more cards will look the same as yours), then determine appearance the second you can do it yourself, thus obtaining an individualized payment instrument. The Aeroflot card allows you to accumulate miles for additional flights in the future (suitable for active users of airline services), and the latter is a card, the money from which (those that go to service) are transferred to charity. Reviews of people note that it is very convenient to use a profitable banking tool and help children.

In essence, the conditions for working with all these cards are the same. Only the cost of service differs - it is higher if you want to order a card with a unique design. And the usual “Visa Classic” (Sberbank) - reviews confirm this - is the simplest and most convenient payment instrument. At the very least, the terms of its use do not include anything that an ordinary bank customer would not understand. The “charity” card helps the “Give Life” fund (about half a percent of the amount from its service is transferred there).

Sberbank's set of banking instruments is unstable - soon some of them may disappear, others may be added. Therefore, by ordering a card now, you can easily refuse it and take another if, say, a more attractive one appears in the future. However, since we are talking about what the Visa Classic card is, Sberbank is unlikely to significantly change the conditions for their service. As a rule, no overly generous bonuses are provided to the client at these tariffs; they can be found on Gold and Platinum cards. Reviews show, in principle, that the conditions of the cards already satisfy the needs of most customers.

Decor

In order to get one of the cards described above, you need to go through a simple registration procedure. Sberbank describes how to activate your “Classic Visa” on the page of the official website. You just need to go to any bank office, provide a passport and sign a number of documents. Regarding a card with an individual design, it should be noted that you can only apply for it online using a special form on the website. Obviously, this procedure is provided so that the client can submit an image that will serve as a background for the card.

Terms in numbers

In order to more clearly understand the conditions under which you can get a Visa Classic card, Sberbank presents a special table. It says that cards can be opened in the following currencies: rubles, euros and dollars. An open card will be valid for exactly 3 years, after which it will be necessary to receive a new one. The cost of maintenance is 750 rubles for the first year and 450 for subsequent ones. As additional conditions, it was noted that cards can be issued as part of a salary project, equipped with a special electronic chip for protection, and participate in the Thank You bonus program. Reviews about the program that we found indicate that with its help you can not only save a little, but also buy valuable things after many months of accumulating bonuses.

Credit cards

The second category that should be described in this article is credit cards. If debit cards are used to accumulate and save money, then the latter are intended, first of all, to receive a cash loan from a bank. This is done in a form convenient for the client according to the following scheme.

The user receives a credit card with a so-called credit limit. Its meaning lies in the fact that this is the maximum allowable amount of funds that a client can receive. As soon as he needs to raise additional funds, he can pay by card (for example, in a store). To return the money to the bank (with interest, of course, if the card does not have a grace period), you need to put funds on the card balance.

Credit limit

According to general rules, the limit of the Visa Classic card (Sberbank) is 600 thousand rubles. User reviews positively note such a volume, since it is usually enough for the necessary purchases. The credit card recipient can use these funds, as noted above, to pay for goods and services. In fact, money can also be withdrawn from the card at ATMs for cash transfer, but the conditions are such that the client will be charged too high a commission (up to 30-40%) for such an operation. Banks are interested in keeping the money from the card in a non-cash form in the future.

Grace period

We have already mentioned this category above, and in this section I would like to describe in more detail what this concept is. So, banks encourage customers who repay their debts as soon as possible. One of its forms is the grace period that the Visa Classic card has. Sberbank provides the user with a period of 20 to 50 days, during which he can pay off his debt without having to pay a commission. Thus, an interest-free loan is obtained, provided there is no delay in its return. Customer reviews indicate that this is a fairly common practice. How the option works and how you can profitably make purchases with bank money should be clarified in the terms of use of the card you order. It's all about a different approach to calculating the number of days left until the end of this period.

Keep in mind that those who do not have time to repay the debt before the end of the grace period will be forced to return interest for the entire period of using the loan (including the grace period).

Payment for goods

As mentioned above, the main purpose of credit cards is to pay for goods in stores. Yes, you may have a Sberbank Visa Classic (salary) card, to which money is received, but it is not as profitable to pay with it as a credit card. Firstly, the explanation for this is the lower commission, and secondly, the wide opportunities for working with the Thank You program. According to it, each client receives a refund in the form of a small percentage of the amount he spent on purchases. In the future, after accumulating a certain number of such bonuses, the user has the right to spend them. The program is valid only in Sberbank partner stores (of which there are several hundred today). All of these are the largest networks from different categories.

Interest rate

Of course, the Visa Classic credit card (Sberbank) provides for a rate. It is charged for the use of borrowed funds. According to the conditions that we managed to find on the official website of the banking institution, a fee of 25.9 to 33.9 percent per year is charged on Classic cards. Reviews, of course, note that this is quite a lot. At least that much you will overpay the bank. It should also be included here that Sberbank charges the client up to 750 rubles a year for the Visa Classic service. The account to which this card will be linked can only be issued in Russian currency.

Sberbank has as many types of credit cards as debit cards, and their meaning is about the same.

conclusions

It's time to take stock. Of course, it is not for nothing that Sberbank is the leader of the domestic banking services market, because there are as many as 4 modifications of one type of card. This individualizes the approach to the client, regardless of which Sberbank Visa Classic card (salary debit or, say, credit) he needs. It is very comfortable.

Moreover, the procedure for managing an account, as well as issuing a card, is simplified as much as possible. Therefore, you should not worry about any bureaucratic difficulties.

Cards help you save money, manage it conveniently and simply, and receive some kind of bonus offers. This is what attracts customers to Sberbank, the number one institution in the domestic banking market.