Bank cards were put on the marketrelatively recently - in the middle of the 20th century. Despite this, they have become a very popular product due to the comfort that they provide the user. Simultaneously, the card is a means of payment and a tool that ensures the safety of your funds. Even if the plastic is stolen or lost, you can not worry about your money on the account - just lock the card.
Each bank has a set of cards that it canissue to your customers. Especially a wide choice among those who use the services of an institution such as Sberbank. At the largest bank of the Russian Federation the choice of tools is really big. Therefore, in this article we will look at Sberbank's cards, types and cost of services. In parallel, we will try to explain why it is better to use this or that card.
Let's start with such a popular means of payment,as usual to us credit cards. This is a very convenient form of issuing short-term loans primarily for the purchase of goods and services. The scheme of their work is simple: a person gets it with a certain credit limit (for example, Sberbank credit cards, the types and cost of services that we discuss in this article, can be with a limit of 120 thousand rubles and more). As soon as the borrower wishes to make a purchase, he simply pays for the card, due to which he receives additional bonuses in the form of some discounts.
According to the terms of the Savings Bank,the user must pay a certain rate (for example, 25 percent per annum). If payment does not take place within the time allotted for that period, penalties are charged. It should also be noted that in addition to interest on the use of credit funds, the user must regularly pay a fee for servicing the card.
All cards of Sberbank, types and valuethe services of which vary depending on the type, are intended for delivery to certain groups of customers. For example, the "Youth" maps are designed for a young audience of borrowers. This is Visa and MasterCard (optional) with a service cost of 750 rubles. To receive them you need to confirm the income. The amount of the credit limit is 200 thousand rubles, the interest rate is 33.9%.
For those who would like to take a loan without delay,there are so-called instant cards. The credit limit for them is lower - only 120 thousand rubles, and the interest rate is 25.9%. To get it from the borrower require only a passport, service is free.
Of course, the bank's product line includesclassic maps. These are credit cards, which do not provide any additional complications for the client - everything is extremely simple. The credit limit is 600 thousand rubles. The borrower is obliged to confirm the income, the cost of the service varies from 0 to 750 rubles per year (depends on whether you are a regular customer of the bank or not). Classic cards of the Savings Bank, types and cost of services, photos of which we provided, are of two types - Visa Classic and MasterCard Standard. Each of them provides, as indicated on the bank's website, the optimal set of services. There is everything that the client needs, and nothing superfluous. And do not need to overpay.
Still there are Sberbank cards, types and costservice (feedback is confirmed) which differ from the basic set. These are cards of partners. At the moment there are only two of them - this is the map of the fund "Give life" and the map of "Aeroflot". The first organization deals with the transfer of funds received from customers for services to the accounts of sick children. The second allows not only borrow money and pay them for purchases, but also accumulate bonus miles for travel around the world in the future.
There are other Sberbank cards, types andthe cost of servicing of which is different from credit. This is a debit, the essence of which is not in obtaining borrowed funds from the bank, but in depositing their money into the account.
Advantages of such cards are many.First, it is a convenient means of payment. Thus, you can, for example, transfer money to people as payment for services or goods, as well as take finances in the same way. Secondly, the card allows you to save money. Let's give a simple example: if you lost a purse, you can not expect that you can return the money left there, it would be naive. Then, if you lose the card, just lock it and get a new one. Thirdly, debit cards and bank accounts allow to multiply funds. Financial institutions pay a certain percentage for keeping your money from them. It varies depending on the type of card.
Well, here are the main types of bankingdebit cards available in Sberbank. The first category is intended for settlements, such as Visa / MasterCard Virtual, prepaid Visa Classic, and instant Momentum cards. The first is ideal for paying for purchases on the Internet - the client does not even need to receive it in this form, he can only operate on the card data; the content of such a card will cost 60 rubles a year. A prepaid plastic card is meant to give it to a person instead of a sum of money. He can pay it for any goods in the future. As for the Momentum card, it is noteworthy for its quick design, that is, a simplified procedure.
There is also a youth map, 10 percent of thewhich goes in the form of bonuses to a special account, and social - for retirees. The latter has some features. Such cards of Sberbank (types and cost of service for pensioners differ) offer the following conditions. Service here is free. On the card, you can easily issue a withdrawal pension. In addition, the bank charges 3.5% per annum for the amount that is on the account.
Recall that all the cards of Sberbank (types of cards issued, terms of receipt) are detailed on the official website, so you can get the most up-to-date information there.
I would also like to note the classic cards.This is Visa Classic and MasterCard Standard (as is the case with credit cards). Their cost is quite high - 750 rubles a year. Alternatively, Visa Electron (also available for drawing up a Sberbank card) can become an alternative. The types and costs of Visa Electron service are as follows: there is only one card (there is simply nothing to choose from); maintenance is relatively inexpensive - only 300 rubles. For these funds, the user receives a basic set of banking services.
Наконец, отметим и элитные карты для статусных users. This is Gold and Platinum from Visa and Mastercard. Their maintenance costs from 3 to 15 thousand rubles a year, because these products have advanced options (protection of purchases, insurance, support abroad and so on).
