Which visa card can be used. Sberbank VISA cards: overview of conditions and benefits

Thanks to bank cards, most of the regular payments become available from any computer or your own mobile phone. The comfort and reliability of Internet banking is recognized even by staunch skeptics.

Features of the Instant Debit Card

The Momentum card is the most affordable among Sberbank's plastic products. It combines fast issuance, free maintenance and a minimum set of popular features of classic cards:

• non-cash payment all over the world;
• Money transfers;
• receiving cash;
• card account management through a personal account from a computer or phone;
• incentives in the form of bonuses and discounts.

Unlike Classic, Gold and premium cards, Momentum has low limits for issuing money (up to 100 thousand rubles per month), does not provide for emergency cash receipts abroad in case of loss or damage to plastic, has a uniform design, it does not indicate the name of the owner.

Instant Visa / Mir / MasterCard is issued within 10 minutes after the request. The product is available in every bank office, ready for issuance. It is enough to present a passport, fill out an application, sign an agreement.

The card is issued and serviced free of charge. The holder replenishes it, pays for purchases in foreign stores, uses remote access to the account via the Internet and mobile phone, without any problems.

In case of loss of plastic or PIN code, reissue is not performed. You will need to close your account and open a new one.

Card without holder's name

Unlike classic and other Sberbank cards, only the number, expiration date and CVC code are indicated on the instant card. However, the product is not nameless. The card account belongs to the client, it is opened in accordance with his passport data. If you want to make a payment that requires entering a first and last name, it is enough to know them in Latin.

If you don't know the exact spelling, you can:

• look at another card if available;
• go to the page of the electronic application for any plastic on the Sberbank website;

without filling out the application in full, enter your last name and first name in the appropriate fields as in the passport, the system will automatically show the spelling in Latin;

• inquire at a bank branch.

What is the difference between named and unnamed

Outwardly, the difference is noticeable in the absence of a surname and a more restrained design in green. An unnamed card, compared to a name card, offers fewer opportunities to the holder:

• low limits for cash withdrawals, transfers;
• increased commissions for cashing out at the cash desks of other banks;
• there is no emergency extradition abroad.

What is the price?

Sberbank instant card is issued free of charge. The customer can use it without any service charge. For those who wish, paid services are available, such as a mobile bank, a mini-statement, and cash withdrawals from third-party banks.

Services that Momentum holders use for free:

• release;
• annual maintenance;
• reissue, implying the replacement of plastic along with the bill;
• replenishment and issuance of money through Sberbank;
• cashless payment;
• account report via @-mail or at a branch (do not confuse with a mini-statement from an ATM!);
• economy package of mobile banking.

Card features

Momentum Visa / MasterCard allows you to:

• pay at the checkout all over the world;
• pay and transfer using an online bank and a mobile application;
• schedule auto payments;
• receive cashback Thank you, use the Piggy Bank service;
• participate in loyalty programs of Visa and MasterCard payment systems (note that basic packages are available in the form of 10-15% discounts from partners, round-the-clock technical support in any country);
• a call to technical support is paid, in accordance with the communication tariffs.

Can I pay online

Visa and Master Card Momentum are served by international payment systems and allow you to pay via the Internet all over the world. The number, CVC code and expiration date are indicated on the plastic. For payment on many sites, this is enough.

Often the name of the holder is required for payments. It is not indicated on the plastic, since the release is made in advance, it is issued to the hands on the day of application. However, when processing documents, passport data is entered into the bank database, and the payment system "knows" the name of the holder. Your task is to find out its spelling in Latin - using another card, at a bank or on a website.

Restrictions

The differences between Momentum and Classic, Gold and the rest are hardly noticeable with daily purchases in supermarkets, utility bills and other regular payments.

Restrictions manifest themselves when it is necessary to pay or withdraw cash, the amount is more than usual:

• there is no emergency cash withdrawal in case of damage or loss of the card abroad;
• the maximum amount of payment per day is 100 thousand rubles;
• daily limit for withdrawal without commission in Sberbank - 50 thousand;
• monthly limit for cashing out in Sberbank - 100 thousand.

There is a 0.75% fee to receive cash overlimits. Restrictions in third-party banks are not provided. However, you will have to pay a commission of 0.75 - 1%, at least 150 rubles.

What's the catch?

Tariffing Momentum can be compared with the basic package for cellular communications. The subscriber receives a SIM-card, has the ability to receive incoming calls, call within the network for free. If you want to use additional services, the client pays for them by seconds, by megabytes. Prices in this case noticeably lose to "package".

However, if there is no need for service packages and if they are rarely used, paying for them separately remains profitable.

Far from relevant for everyone:

• participation in salary projects;
• spending more than 100 thousand per month;
• loss of the card abroad.

At the same time, many are in demand:

• payment of a consumer loan;
• receiving irregular transfers from relatives of 5-10 thousand;
• current spending in stores.

In such cases, it makes no sense to pay from 450 rubles a year for servicing a classic product. Enough plastic with a minimum set of features.

If you need a service that is not included in the Momentum package, it is more profitable to pay for it separately.

Why doesn't the bank charge a service fee? For non-cash payments at checkouts and on websites, the bank charges a 2% commission from the seller. This generates enough income for the bank not to require payment from customers. Issuing unnamed cards is relatively cheap.

Sellers benefit from non-cash payment, as it saves them from having to work with cash.

Are they issued now?

A lot of questions have appeared on the network that Momentum cards are no longer issued. This is not entirely true. On March 1, 2016, Sberbank stopped issuing Visa Electron Momentum and Master Card Maestro, they were replaced by instant cards.

The cost of servicing Electron and Maestro was 300 rubles a year. It was possible to order a second card to the account. The monthly limit on the issuance of cash through Sberbank was 500 thousand rubles. Participation in salary projects was allowed.

Momentum R - what is it?

Instant card account currency can be: ruble, US dollar or Euro.

The R mark on the front of the plastic is made to indicate a link to a ruble account.

You can pay with Momentum R wherever Visa and MasterCard are accepted, at retail points of sale, in online stores, regardless of their location and the main currency with which they work.

When paying bills in a currency other than the card account, the bank will automatically convert it at the current rate. Often sellers offer prices in several currencies, including rubles. For example Aliexpress. In most cases, such an exchange is disadvantageous to the buyer. It is cheaper to pay in the seller's currency by entrusting the conversion to the bank.

Can I withdraw money from her?

Free cash withdrawal is limited - 50 thousand rubles. per day, 100 thousand per month. In excess of the indicated amounts, receipt is available with a commission of 0.5–1%.

Momentum Visa, Mastercard or MIR - what to choose and what are the differences?

Both payment systems are international, have fast technical support, work all over the world, the difference in capabilities is almost imperceptible. Sberbank serves both products at the same rate.

Differences between Visa and Master Card can be seen during travel and leisure thanks to affiliate programs.

Visa Classic Momentum

Among the partners of Visa, there are mainly firms offering privileges to travelers and shoppers abroad:

• hotels;
• transport and excursion companies;
• outlets.

MasterCard Standard Momentum

You can make everyday purchases in a large retail supermarket, for example, in Auchan, spend leisure time in individual chain cinemas and cafes at a discount using MasterCard.

Momentum world

As noted above, the functionality of the national payment system card is noticeably inferior to Visa and MasterCad, especially in that it can only be used within the Russian Federation. But, this card will be useful for residents of the Crimea, or for those who are going to go there, since the plastic of other payment systems on the territory of the peninsula does not work.

Differences in the functions of payment systems

What is better to choose?

Check out the detailed description of the programs, the current lists of their participants and promotions on the websites of payment systems. Evaluate the usefulness of the suggestions for yourself.

If you do not have the time or desire to do analysis, you can choose any. The quality of services is comparable, high. Sberbank services are available with both cards in the same amount.

How to get the

It will take no more than 10 minutes to complete:

• come to any branch of Sberbank;
• show your passport;
• sign the contract;
• take the plastic.

Terms of Service

1. Enough permanent or temporary registration in Russia.
2. Age of the holder from 14 years.

Apply online

The Momentum debit card from Sberbank is issued to everyone on general terms in any branch without registration via the Internet.

Online clearance is also available for Credit Momentum.

The requirements for credit card holders are more stringent than those for debit cards:

• from 21 to 65 years;
• Russian citizenship;
• registration in the Russian Federation.

Existing customers of Sberbank can apply for a preferential loan Momentum with a reduced interest rate.

How to use?

In circulation, a Sberbank debit card without service charge is not much different from a regular Visa and Master Card, except for limits.

Available services:

• non-cash payment in retail outlets, online stores;
• fast receiving and sending money transfers;
• remote use via the Internet and mobile banking;
• loan fees;
• payment of utility bills, taxes, duties, fines with or without a reduced commission;
• Optionally, participation in the Thank You bonus program and connection of Piggy bank;
• privileges of Visa and MasterCard partners.

Is it possible to transfer money to it

One of the main reasons for applying for an instant card is the need for one-time or occasional transfers.

Important! Since 2017, the transfer of benefits and other regular budgetary payments is not allowed to accounts operating with the participation of international payment systems. You will need to get a MIR card or a current account that is not tied to plastic.

Cash withdrawal limit

Limitations in the work of Momentum are noticeable when cashing out large amounts.

• You can get up to 50 thousand rubles a day at the cash desk and ATM of Sberbank.
• 100 thousand rubles are available for cashing out within the bank per month.
• Above the indicated amounts, a commission of 0.5% is charged.

Sberbank does not limit the receipt of cash in other credit institutions, but takes a commission from 0.75 to 1%. The third-party bank also usually withholds its interest.

How to activate?

Momentum implies an independent choice of a PIN code, it can only be set through the terminal. Activation occurs one day after the code is set or after any operation with its input. It is impossible to set a cipher or activate a card via the Internet.

Having received Momentum in your hands, activate it at an ATM, for this:

• insert the card into the terminal;
• the interface of ATMs has minor differences, but the menu will prompt you to set a 4-digit PIN code yourself;
• enter the code, remember it;
• confirm by pressing the appropriate button on the screen or keyboard;
• request a balance or perform any other operation that requires entering a PIN code.

The card is activated. Without leaving the ATM, you can connect a mobile bank and get a login and password to use Sberbank-online. The terminal menu is friendly and usually does not raise questions about how to find the right items.

In case of difficulties or inexperience, there are employees in the customer service rooms whose duty it is to advise on any questions about the services. You can ask for help. It's free.

Pros and cons of the Momentum card

Summarizing the described advantages, we highlight:

• free issue;
• free service;
• issuance on the day of application;
• the possibility of maintaining an account in rubles, euros, US dollars;
• functionality all over the world;
• availability of all the main services of Sberbank (online, mobile banking, Thank you, Piggy Bank, the widest network of ATMs in the country);
• Visa and Master Card affiliate programs.

Features that many regard as disadvantages:

• low cash withdrawal limits;
• high commission for cashing out over the limits;
• obstacles in establishing the exact spelling of the name for payment via the Internet;
• the degree of data protection for Momentum is lower than that of classic products;
• closing the old account and opening a new one after the expiration of the card, which creates problems for the transfer of salaries.

One of the largest banks in Russia, Sberbank PJSC offers a very wide selection of VISA cards, which can be difficult for a new bank client to navigate. Which card to choose, how do they differ, which one is right for you? We will try to answer all these questions in this article.

Types of Visa cards from Sberbank

What types of VISA does Sberbank issue? First of all, they are divided according to the intended use:

1. Credit cards issued by the bank for a certain amount at interest. They can pay for any goods and services, but you can not transfer money from them. Today Sberbank issues them in 3 formats:

• Premium;
• Classic;
• Give Life (Gold)

2. Debit cards are issued to pay for goods and services with the possibility of cash withdrawal and are divided into the following types:

• Classic (standard and with individual design);
• golden;
• Youth (standard and with individual design);
• With big bonuses;
• Aeroflot (Classic, Gold, Signature);
• Give Life (Classic, Gold, Premium);
• Instant;
• Digital.

Important! All Sberbank cards work in Crimea! Read about how to withdraw money from a Sberbank card in Crimea.

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Advantages of Visa cards from Sberbank

You can issue any Visa card from Sberbank in one of the currencies: rubles, dollars, euros. You should choose the currency of plastic based on where you expect to pay with it. If on the territory of the Russian Federation or Crimea, of course, it is most profitable to have plastic in rubles.

With frequent trips to Europe, you should issue a card in euros, since the ruble will be converted twice (rubles into dollars, and then into euros), and the dollar one once (dollars into euros). In both cases, the holder will lose on conversion, so you should initially issue a currency card, since there is such an opportunity, but only for debit products.

All Sberbank Visa credit cards are issued exclusively in rubles. Paying them abroad is unprofitable, as well as cashing out. By the way, the percentage for withdrawing cash from a Visa credit card through a "native" ATM is 3%, and through an ATM owned by another bank - 4%.

Any Visa from Sberbank (both credit and debit) can be connected to the Thank You bonus program. This will allow you to receive bonuses to a special account, which can then be spent in partner stores to pay for goods or exchange them for a discount. The number of accrued bonuses depends on the type of card, for example, you can get the most “Thank you” points if you have a “With big bonuses” card.

Classic Visa

You can issue a classic Visa card of a debit or credit type at Sberbank. Conditions for both products are favorable.

So, the classic Visa debit card is issued on the following grounds:

• The cost of annual maintenance: 750 rubles - the first year and 450 rubles - subsequent;
• Validity — 3 years;
• It is possible to issue an additional card;
• You can cash out the card at 0% at native ATMs and through the cash desk of Sberbank (150,000 limit per day and 1,500,000 per month, if exceeded, they charge 0.5% of the amount exceeding the limit). Cash withdrawal in other banks and self-service devices - 1%.

Conditions for using the classic Sberbank VISA credit card:

• Issue, reissue and annual maintenance - free of charge;
• Validity — 3 years;
• Issued only in rubles;
• The number of "Thank you" bonuses accrued is the same as for debit: 0.5% from any purchases and up to 20% from partners;
• It is impossible to issue an additional card to a credit card for a child or yourself;
• The credit limit is 300,000 rubles and 600,000 for those who had a pre-approved offer by mail or in their Sberbank Online personal account;
• Cashing out a Sberbank credit card is not profitable, but if you really need it, get ready to pay a 3% commission when withdrawing money through an ATM or Sberbank cash desk and 4% in another bank.
• The daily cash withdrawal limit is 50,000 rubles. You can withdraw no more than 150 thousand rubles from plastic per month.
• Transferring money from a Sberbank credit card is prohibited!
• You can pay from it for everything, except for loans in another bank or in the same one, since such an operation is considered a transfer.

Visa Gold Card

Both existing customers of the bank under a pre-approved offer, and new ones can issue a Sberbank gold card. There are both debit and gold VISA credit cards.

A Sberbank debit gold card is issued on the following conditions:

• The cost of annual maintenance is 3000 rubles;
• Validity — 3 years;
• It is possible to issue an additional card, but you need to pay 2500 per year for each plastic;
• A debit card can be issued in rubles or foreign currency (US dollars or euros);
• From each spending, 0.5% of the amount is returned with “Thank you” bonuses and up to 20% for partners;
• You can cash out the card at 0% at native ATMs and through the cash desk of Sberbank and at 1% at other banks;
• There is a cash withdrawal limit - 3,000,000 per day and 3 million rubles. per month, if exceeded, they charge 0.5% of the amount exceeding the limit.

The conditions for the VISA Gold Card of the debit type are identical to the classic ones. The only difference is the amount available for withdrawal through an ATM or cash desk of the bank - 100,000 rubles can be withdrawn within a day.

Visa Premium Credit Card

If you are ready to pay a large amount for servicing the card, but at the same time receive the maximum number of “Thank you” bonuses, and the respect of society (cards of this type are a sign of wealth above average), you should issue a Premium and credit card. The conditions are:

• annual maintenance cost: 4900;
• shelf life: 3 years;
• credit limit: if the card is pre-approved 3,000,000 rubles, if there is no bank offer - 600,000 rubles;
• grace period: 50 days;
• interest rate: if pre-approved 21.9%, if there is no individual offer from the bank - 25.9%;
• issued only in rubles;
• "Thank you" bonuses from Sberbank for each purchase - up to 10%; from partners - up to 20%.

Aeroflot Visa cards from Sberbank

At Sberbank, you can issue profitable Aeroflot plastic only with the Visa payment system. It can be classic, gold or premium products. The difference is in the cost of annual maintenance and the number of miles accrued for every 60 rubles spent from the card.

Aeroflot cards from Sberbank cannot be connected to the Thank You bonus program.

Aeroflot cards have identical characteristics with classic, gold and premium Visa, that is, the limits and fees for cashing out are identical. Therefore, we will consider such advantages of this product as accrual of miles.

Visa Youth Debit Card

Persons over the age of 18 may. It is of a debit type, but has a number of advantages, including the opportunity to receive “Thank you” bonuses in the amount of 0.5% of the amount of each purchase from the bank itself and up to 20% when paying for goods and services from partners.

The cost of annual maintenance is 150 rubles, but there is no possibility to issue additional plastic.

Visa card with big bonuses

In the credit version, you can issue a Premium card, and in the debit version, its counterpart is called "With Big Bonuses". This plastic involves receiving an increased number of “Thank you” points. Up to 10% of the amount of each purchase is charged by Sberbank and up to 20% by partners if they paid with a card.

The cost of annual maintenance is 4900 rubles, and for an additional card you will have to pay 2500 annually.

Digital Visa Card

More recently, existing customers of Sberbank have the opportunity to issue Digital in just 1 minute through their personal account.

Citizens of the Russian Federation from the age of 14 can apply, provided that they have any other active Sberbank debit card linked to the phone (that is, the Mobile Bank is connected).

You can pay with digital plastic using your phone using Apple Pay, Google Pay, Samsung Pay contactless technologies. The main thing is to first make sure that the terminal has the appropriate sign. If there are no "waves", pay with a regular card. There is no need to pay for the release or operation of such a product.

Which Visa card from Sberbank is the most profitable to open?

If you don’t know which Visa card from Sberbank is the most profitable to open, you can use a special bank service that offers to compare plastic products.

You can also make your own choice by comparing the monthly amount of spending and what this money is spent on. For example, if every month you travel somewhere, then the design of Aeroflot products will help you save on flights.

Spending large amounts (from 30,000 rubles per month) will pay off in full, with the presence of plastic “With big bonuses”. Also pay attention to the currency of the debit card, because if you travel often, you should choose a dollar or euro card. This will avoid unnecessary conversions when making payments abroad.

Recently, all bank cards have completely replaced paper money. This is due to the speed and convenience for all customers. Visa bank card is issued on the basis of one of the most popular and most reliable international payment systems - Visa. This system is one of the fastest for various transactions in the financial sector. How exactly do Visa bank cards differ from cards of other payment systems in Russia? What are the types of Visa cards?

What are VISA cards?

What is the peculiarity and difference of Visa cards from other cards?

There are two most common payment systems in the world: Visa and MasterCard. And there is still debate about which of these systems is better? In fact, as practice shows. both of these payment systems are good, and so far no one has surpassed each other.

Indeed, there is a slight difference between them. Most importantly, Visa has a much larger number of terminals that are located almost all over the globe. True, despite this, MasterCard cards are quietly supported in ATMs and Visa terminals.

You also need to understand that Visa's main convertible currency is just the dollar, while MasterCard has the euro. It is on the basis of this that you can choose a card for yourself if you go abroad. But if we talk about the usefulness of a particular payment system in the Russian Federation, then they are both good and do not differ in anything in our homeland.

Visa, like many payment systems, issues several types of cards:

• Visa credit card - this card is tied to a credit account in a bank and has a certain percentage of the credit rate, a limit on funds, as well as a grace period. This card is usually more difficult to obtain from banks due to certain conditions.
• Visa debit card - This card is usually issued to everyone, and it already has its own separate bank account, where you can easily store your savings. Also, debit cards can be any social cards such as pension or student cards.
• Visa prepaid card - card details are usually needed to pay from your current bank account.
• - this card is usually issued for making purchases in various online stores or online services. It does not have a physical medium in the form of plastic, but it has all the same details, and it is also fully tied to a bank account number.

A Visa plastic card has the ability to open several bank accounts at once. Usually these accounts can be from one to three. The very first account is linked to you when the card is issued, after which you can connect two more accounts in dollars and euros.

Such cards are usually called currency or multicurrency cards. The advantage of these cards is that you can use one of the available foreign currency accounts abroad and not overpay for unnecessary transactions at unfavorable rates.

Varieties and types of Visa cards

In this section, we will consider all types of cards with the Visa payment system. Here you need to take into account that not every card has a free issue in a particular country, this is due to the legislation, as well as the rules of the Visa system itself.

Visa Electron card

This is the simplest card that has this payment system. Often, it has a rather truncated functionality, as well as small limits on payments both per day and per month.

Often, most banks do not ask for money at all for its maintenance. Also, not all online stores and services can accept this card on the Internet. Usually it is used to pay at certain outlets.

Most often it is used to pay salaries, scholarships, pensions, social. allowances and other cash payments.

Visa Classic card

This card already has all types of protection from the chip to the magnetic tape. Also, payout limits are much higher than those of Visa Electron. Usually, various bonus programs, as well as cashback, can be additionally connected to this card. You can easily pay with this card in any store or online service. These cards today there is a huge variety.

Visa Gold Card

The plastic card has a standard look and all types of protection. Usually they are produced either in yellow or golden color with the inscription GOLD. This card has higher limits and payouts for both credit cards and debit cards. In addition, insurance programs are automatically connected to you.

You have the right to an urgent reissue of the card anywhere in the world, as well as to the payment of funds from your account. Usually, when using a credit card, you will have a lower credit rate.

Visa Platinum card

With this card you can easily pay anywhere in the world. You have a discount program connected with restaurants, hotels around the world. You have your own personal manager who can advise you at any time around the world. The service "Conserge-Service" is connected - a round-the-clock consultation on the organization of leisure, the choice of restaurants, shops for shopping.

Visa Signature Card

In addition to all the advantages that the Platinum visa card has, you additionally get access to the private club of your bank. You have the right to enter any closed parties. You also have very favorable insurance programs when traveling abroad.

Visa Infinite card

Not everyone has these cards, and they are issued only to the most dedicated bank customers who have a sufficient amount of deposits, or they have a fairly large turnover within bank accounts. On average, you must have millions to get this card. Each bank has its own requirements for obtaining Visa Infinite.