Sberbank credit card interest rate. Credit cards of Savings Bank

How to apply for a Sberbank credit card online?

To apply, a potential borrower must meet the minimum requirements:

• Russian citizenship.
• Age – from 25 years (21 years according to the Molodezhny TP) to 65 years.
• Registration in the Russian Federation.
• Total work experience – at least 1 year within the previous 5 years.
• The duration of work in the last place is six months or more.
• No overdue obligations to financial institutions.

The easiest way to get a Sberbank credit card is to fill out an online application on the website and find out the bank’s preliminary decision. If approved, you need to contact the department with a set of documents:

• Passport.
• Certificate 2-NDFL confirming income for the previous 6 months. Students provide a certificate of scholarship.
• Copy work book or contract, certified by the employer.

Participants salary projects may not attach a copy of the work record book if the earnings were transferred to the Sberbank account for at least six months.

Final review will take up to 2 business days. Plastic is produced within a period of 2 to 12 days.

Grace period for Sberbank credit cards

The grace period for all credit cards lasts up to 50 days, during which you can fully return the spent amount without paying interest. It includes a reporting period - 30 days for making purchases and a payment period - the next 20 days for repaying debts. Duration grace period depends on the date of the transaction.

Example: The reporting date under the contract is the 5th day of the month. On September 15, the client paid for goods worth 8,000 rubles in the store, and on September 28 he spent another 12,000 rubles. Interest will not be accrued if 20,000 rubles are credited to your credit card account before October 25. The interest-free period for the first transaction will be 40 days, for the second - 27 days. If the conditions of the grace period are not met, a minimum payment of 1000 rubles (5% of the used limit) must be made.

According to the terms of use of Sberbank credit cards, interest is not charged only when paying for goods or services. When receiving cash from ATMs, the grace period does not apply, and a commission is charged - 3% of the transaction amount (minimum 390 rubles).

Sberbank credit calculator for credit cards

The service will show by what date you need to repay the debt within the grace period and the amount of savings on interest. To do this, you need to indicate the date the report was generated, the interest rate and the parameters of the purchases made.

Up-to-date information about the amount of debt and the date of the next payment can always be obtained:

• Monthly by email (when registering for services in the office or personal account"Sberbank Online").
• Independently in Internet banking.
• Via SMS (if connected free service“Mobile Bank”).
• By sending a message with the text “DEBT” to number 900.
• Using a 24/7 automated call center service.

Loyalty program “Thank you”

Bank credit card holders join the “Thank You” privilege program and receive bonuses for everyday spending. The bonus account is credited with 0.5% of any non-cash expenses and up to 50% for purchases from partner companies. Accumulated bonuses can be used to receive a discount of up to 99% of the cost of goods or services purchased from partners in the ratio of 1 bonus = 1 ruble.

Aeroflot cards do not participate in the bonus program.

Would you like to know your current credit card interest rate, but don't know exactly how to do it? In this review, we will try to tell you in as much detail as possible about the methods that can help you in this matter.

So, today almost every family in our country has a loan debt to the bank. Often these are non-targeted consumer loans; someone has a significant debt on a mortgage or car loan, but Lately More and more often, our fellow citizens prefer to issue credit cards.

The fact is that such a product is much easier to apply for and receive in hand than a large loan, and their size can be almost the same. However, in the first case, you will need to spend a minimum of time and effort, as well as collect a small package of documents, and in the second, you will need to repeatedly visit the bank branch and collect a substantial package of papers.

At the same time, many people pay attention to such significant advantages as:

• Obtaining a revolving credit limit, which can be increased with active use;
• Availability of a grace period, during which cashless purchases are made without overpayment;
• The ability to pay debt with minimum payments, which, as a rule, amount to no more than 10% of the amount of the existing debt;
• The presence of various bonus programs, thanks to which, for each of your purchases you will be awarded certain points. These points can then be exchanged for a discount in stores, theaters, restaurants, air and railway companies, etc.

With all this, many banks offer very profitable terms For individuals, promising a small rate of 15% per annum. However, if you read the conditions on the information booklet or official portal bank more closely, we will see that such conditions are offered very limited quantity people, for example, payroll clients. Other borrowers can receive interest up to 35-45% per year.

It is for this reason that it is very important to listen carefully to what the consultant tells you at the time of applying for a credit card, and carefully read the terms of your agreement. It must contain information about exactly what amount the banking organization is offering you, and what are the conditions for its use and return.

If you have forgotten what bet you were assigned, then restoring this data is quite simple. To do this, you can do the following:

• The first and easiest thing is to find your contract and view the information in it;
• Second, you can contact the nearest branch of the bank where you received the card. It is not at all necessary to go to the one where you are served. Be sure to take your passport with you and, if desired, a card;
• Third, find the number in the contract, on the Internet, or on the plastic carrier itself. hotline banking company and call it. In this case, you will need to tell the operator your personal data, credit card details, as well as a secret word to identify you in the system.

As you can see, finding out your current credit card interest rate is not at all difficult, because you can choose any of the options listed above.

Before applying for a loan, potential clients try to find out what the interest rate is on a Sberbank credit card. This depends on the type of card chosen and whether the applicant meets certain bank requirements.

Types of credit cards and conditions for their use

The bank offers a fairly large selection of loan products. Rates for using borrowed funds depend on the type of credit card. In addition, the lender makes special offers to its regular customers.

Important! All loans are issued only in Russian rubles.

Youth cards

The bank issues such credit cards for holders of the Molodezhnaya debit card aged 21 to 30 years. The conditions for them are as follows.

The bank issues 2 types of such credit cards: Visa and MasterCard, which are valid for 3 years. RUR 750 will be debited from the client annually. for servicing plastic.

Important! The interest-free period does not apply to cash withdrawal transactions.

Premium cards

As part of the premium offer, Sberbank offers clients 2 types of credit cards. The first type is Visa Signature, and the second is MasterCard, called World Black Edition. The conditions for these cards are as follows.

When using such a means of payment for non-cash payments, the client receives up to 10% of the spent funds back to the account, as well as other bonuses. Cost of service – 4900 rub.

The second type is MasterCard Gold and Visa Gold, which have free service and the same conditions.

Owners receive bonuses and privileges when making payments.

Momentum

The peculiarity of such loans is their instant processing. You can apply for a loan and receive it in 1 day. The borrower will have 120,000 rubles at his disposal, which will be issued at 25.9% per annum.

Standard

This credit cards Sberbank with an optimal set of bonuses with low annual maintenance, outstanding under such conditions.

Within individual offer From the bank, service can be free, in other cases - up to 750 rubles.

For those who have not cooperated with the lender before, the limit will be at RUB 300,000.

Aeroflot

Aeroflot Visa Signature is a payment instrument that allows you to accumulate miles and use them when flying on Aeroflot airlines. Offered under the following conditions:

• limit 3,000,000 rub.;
• rate - 21.9% per year;
• service fee – 12,000 rub. in year.

Each user of such plastic is assigned a personal manager.

As part of cooperation with Aeroflot, 2 more instruments are being produced: Classic and Gold. The conditions for them are more modest:

1. They will give out up to 600,000 rubles.
2. They will accrue 25.9% per annum.

When registering, you are immediately given 1,000 welcome miles as a gift, to which miles are added for every purchase using Sberbank payment instruments. Maintenance for a year will cost almost 1000 rubles.

gift a life

As part of a joint project with the Gift of Life foundation, Visa Classic and Gold were issued. Sberbank transfers half of the annual service fee, as well as 0.3% of the client’s purchase price, to a fund to help children with cancer. Money is deducted from your own funds financial organization. In addition, 0.3% will also be debited from the client’s account for each purchase made using plastic. Owners of a Classic format card will pay 900 rubles. per year for service, and Gold card holders - 3,500 rubles. in year.

The maximum amount for approval is RUR 600,000. for 3 years.

Requirements for borrowers

To get any loan, you need to answer general requirements to potential clients:

• age limit is 21 years and maximum age is 65 years;
• availability of a Russian passport with permanent registration.

In addition, you need to confirm that you have a permanent job and a stable income.