Each bank, in order to attract more interested in new and old customers, regularly updates its line of credit products.It does so and Sberbank of Russia, "the portfolio of services" which has several dozen different programs and proposals.One of these is a credit card Sberbank "Momentum".On what conditions it can be issued?What are its advantages?What other card is in the Savings Bank?
Which credit offers products Sberbank today?
Currently, each client has the opportunity to Sberbank to issue cards of the following categories:
- universal credit;
- credit partnerships.
This can be attributed to the universal cards like:
- «Classic».
- «gold».
- «instantaneous."
an affiliate include credit "Give Life" and "Aeroflot".
What is the "Gold" MasterCard and Visa?
For such cards include the premium credit card with a wide range of current offers and services.The size of the credit limit on such plastic is up to 600 000 rubles.Interest in the use of cards start at 25.9%.The document is designed for full three years of action.It provides a free annual service, and place an order for it can be a passport and another document from the list of the bank (for example, it could be a driver's license).Similarly, drawn and other credit card Sberbank.The terms of their activation and discovery will be considered later.
Visa and MasterCard Gold, tend to have a high level of security, and they can be opened in the domestic currency.Their Grace period is up to 50 days.The total price of the service (depending on the number of connected services) can range from 0 to 3000 rubles per year.
Opportunities "gold" cards to clients of Sberbank
each credit card Savings Bank ("Momentum", "Classic"), including the "gold", opens up new possibilities for their owners.For example, a card with premium connected accumulation program "Thanks from Sberbank" promotional and seasonal prize draws of payment systems, service (with the help of the contact center), e-cash services (the loss of the card outside of the country).
In addition, this class of credit support remote maintenance and account management, service "Avtoplatezh" and other operations.
What are the characteristics of instant card Savings Bank?
Savings Bank Credit Card "Momentum" (reviews about it will be lower) is a universal credit card with a limit of up to 120 000 rubles.It is supported by international payment systems Visa and MasterCard and has a shelf life of 3 years.Its main advantage over the other - drawing just 10-15 minutes.
Additional features card "Momentum»
Credit Card Savings Bank (credit) "Momentum", as well as maps of the premium segment is connected to the accumulative bonus program "Thanks from Sberbank" supports "Avtoplatezh" and remote maintenance.In addition, having issued the credit card, you can in safe mode, 3D-secure to perform any payment operations, without fear for the safety of their personal data and money in the account.
Map "Momentum" allows you to pay for goods and services by bank transfer.This can be done in foreign partner banks, subsidiaries, and through ATMs and point of self-service terminals.Nourished credit card Sberbank "Momentum" either in cash or by bank transfer.The grace period for plastics up to 50 days.What is most important for freelancers and creative professionals working via the Internet, the credit card can be assigned to the virtual purses ("Yandex», Webmoney).
Who can issue a credit card in the Savings Bank?
Based on the requirements of the Savings Bank, a credit card, "Momentum" may be framed by citizens between the ages of 21 and 65 years.In addition, for plastic, you must have permanent registration and Russian citizenship, as well as a common experience - from the year.In this case, it refers to the performance of your official duties over the past 5 years.At the same time in the current job, you must have worked at least six months.
decorate the card in the department of Sberbank on the passport.
On what terms you can use instant card?
Before you apply for a credit card, it is necessary to examine the conditions of its service.So, credit card, "Momentum" (Sberbank) (conditions of withdrawals and charging other payment transactions can be viewed in the photo) does not provide for paid services within predodobrennogo proposal.Size rate ranges from 25.9% per annum.During the grace period, no interest is paid.Failure to comply with the maturity and the amount of obligatory payments to the credit card holder will be charged a penalty of 36% per annum.
Sberbank (credit card) cash withdrawals
When withdrawing cash within the subsidiary branches of credit institutions of the Russian Federation, as well as at the offices of the Savings Bank with the client removed the fee of 3% of the total amount (not less than390 rubles).In the case of cashing in plastic-party financial institutions the fee increases to 4% of the amount.In addition, when withdrawing cash you need to remember about the set daily limit.Thus, every owner of instant card has the full right to withdraw money from ATMs, but in the range of 50 000 rubles.
Savings Bank credit card "Momentum" (conditions of their registration, we saw above) allows you to cash out according to certain rules.If payment of the money is carried out in one of the offices of Sberbank, the size limit at the same time is 150 000 rubles.The same limitation applies to the removal of cash at the cash desks of other financial institutions.The maximum amount in operations to deliver the money to replenish the credit is equal to 10 000 000 rubles.Any other non-cash card transactions carried out commission-free.
Savings Bank Credit Card "Momentum" also provides for the granting of paid information.For example, for each request through an ATM at an affordable credit limit the bank customer will pay 15 rubles.
What's new in the classic maps of the Savings Bank?
Sometimes old classics and good is the best way out.Therefore, if you do not want to delve into the details of the "Premium" or "universal" card, you always have the opportunity to apply for a classic credit card.The size of its credit limit of up to 600 000 rubles.Interest on the loan - by 25.9% and 33.9% per annum.The cost of servicing the plastic for a year for regular customers of the bank is 0%, and for new - up to 750 rubles.
cards in this category are connected to the standard programs, acting on the principle of "pay for and earn a bonus."You can manage them using remote services Savings Bank, for example, "Mobile Banking".To obtain a credit card, you can either go directly to the financial institution, or to apply on-line.
What other credit cards are in the Savings Bank?
Currently, the Savings Bank can be issued the following types of credit cards:
- card Visa Classic «Give Life" (with an annual service to 900 rubles);
- plastic Visa Gold «Give Life" (with the amount of annual maintenance to 3,500 rubles);
- credit card Visa Classic and Gold «Aeroflot» (to the amount of services to 900 rubles to 3,500 rubles per year);
- youth credit cards Visa Classic and MasterCard Standart.
How to fill out an application for a card online?
To fill out an application on-line, you must first download.This form must specify:
- their contact details;
- availability of education (secondary education, higher education);
- address of the actual residence;
- marital status;
- information about the basic operation (a sole proprietorship, a wage-worker);
- position;
- periods of work in this organization you (current employment);
- activity;
- wages and so on. N.
The statement also need to specify the name of the credit card you plan to open in the near future.Next, fill in and send the application will consider the bank's representatives.After about 1-2 days, they will answer.
What do credit card users of the Savings Bank?
Before applying for a particular bank card, you must first examine the responses.For example, credit card Savings Bank "Momentum" (reviews about it you will find in this article) has a large number of comments and suggestions.For example, some credit card holders say about it in a positive way.They report that they enjoy high speed processing of plastic.Others like the fact that a credit card can be attached to a virtual wallet.
Others, on the contrary, are dissatisfied with the slow service and call center employees that are accessed yet solved the problem of the past slowly.But opinions diverge here.For example, many have reported troubles, which, thanks to the rapid intervention of representatives of the bank, has been avoided.In this case we are talking about the loss or theft of credit cards abroad.According to them, in seconds bank employees blocked the lost or stolen card and provided the required amount of the victim due to service emergency cash.
Many customers liked the opportunity to pay this card utilities, which certainly eliminates the need to go to the bank or savings bank and stand in line.However, some believe that, on the contrary, it is cheaper to carry out transfers through cash than doing it through the card as a small amount of the transfer was taken from them a large commission.
Quite a few people are in the delight of a large grace period of 50 days, when you can make payments without interest on the map.
Some talk about the positive aspects such as the transfer of money from old paper checkbooks at stake.This service is undeniably convenient and is very fast.
Almost all customers are satisfied with the connection of convenient services and loyalty programs, fast service and high-speed receipt of funds.
In short, each of the cardholders have something to say.However, these comments, as often happens, there are both positive and negative.Therefore, to obtain an overview of the credit card, you want to view, and those and others, and then draw a conclusion.
