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Debit card Gold from Sberbank

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No-fee cash withdrawals
No-fee cash withdrawals
up to 1,000,000 RUB
Interest on balance
Interest on balance
up to 0 %
Cost
Cost
3000 ₽
Overdraft
Overdraft
No
Cashback
Cashback
up to 20 %
Decision
Decision
From 5 min
Debit card Gold from Sberbank
Apply now
Updated: 14.10.2024

About the card

Онлайн-заявка на дебетовую Золотую карту Сбербанка

Главный плюс Золотой дебетовой карты Сбербанка России, это возможность получения повышенного бонуса от Сбербанка в размере до 5%, а также от партнеров кредитного учреждения, в размере до 30%. Тем не менее, основной минус Золотой дебетовой карты Сбербанка заключается в стоимости годового обслуживания. Вам придется заплатить 3 тысячи рублей в год, но при этом, за счет бонусов и уровней «Спасибо от сбербанка», можно с легкостью покрыть затраты на ежегодное обслуживание.

Вторая не менее важная фишка Золотой дебетовой карты Сбербанка – это возможность снятия наличных в банкоматах в размере до 300 тысяч рублей в день. Правило распространяется как на терминалы, так и на кассы кредитного учреждения. Крупнейшее кредитное учреждение предусматривает взимание Смс-обслуживания по карте в размере 60 рублей, для Золотой дебетовки СМС-информирование будет стоить 0 рублей.

 

Условия для “Золотой дебетовой карты Сбербанка

Согласно условиям дебетовой Золотой карты Сбербанка, по карточкам Visa и MasterCard можно осуществлять платежи за пределами Росси, по карте МИР- только на территории страны. Кроме этого картой МИР нельзя осуществлять оплату при помощи телефона. Плюшки карты Мир- длительный срок действия – 5 лет, для остальных карточек – только 36 месяцев.

Максимальное количество бонусов за год таковое:

  • Категория кафе и рестораны, максимальная трата 100 тыс. руб. в год, бонусами – 27600.
  • Категория Супермаркеты, траты за год 100 тысяч рублей, бонусами – 12 000.
  • Остальные категории – траты 100 тысяч рублей, бонусами 6 000.

Таким образом, потратив по всем категориям 300 тысяч рублей в год, можно получить бонусами 45 600 рублей.

В категориях «Кафе и рестораны», вам возвращают 5% бонусами от Сбербанка, в Супермаркетах – 1%. Некоторые партнеры Сбербанка (около 200 магазинов), осуществляют возврат бонусами до 30%.

Годовое обслуживание карты единое для всех – 3 тысячи рублей, для второй карты – 2500 рублей в год.

 

 

Withdrawal up to 300,000 RUB per day Withdrawal over 300,000 RUB per day
At bank ATMs No commission Not provided
At a Sberbank branch (cash desk) No commission 0.5% of the amount exceeding the 300,000 RUB mark
At third-party ATMs 1%, but not less than 100 RUB Not provided
At cash desks of other banks 1%, but not less than 150 RUB Not provided
Attention! Sberbank has a withdrawal limit of no more than 3.0 million rubles per calendar month

 

В сутки допускается перевод родственнику или близкому лицу не более 1 млн рублей.

Terms

  • Age 18 and older.
  • Russian citizenship.
  • Регистрация в регионе нахождения офиса банка.
  • Phone number.
  • Email address.

After submitting the application, you need to select the bank branch where you will pick up your debit card.

  • Age: 18 years and older.
  • Citizenship: Russian Federation.
  • Registration: permanent or temporary within the Bank's service area.
  • Mobile phone: required.
  • Email: required.
  • Passport of a citizen of Russia.
  • SNILS pension insurance certificate.

Applicant age must be 18 years or older.

  • Identity document: Russian citizen passport.
  • SNILS pension insurance certificate.
  • Review the financial services comparison platform's offer and click the "Apply Now" button.
  • Go to the official Sberbank website.
  • Fill in your Russian internal passport details.
  • Fill out the application form details (phone number and email address).
  • Specify the nearest Sberbank office branch.

Please note that the bank card is issued within 14 days.

The financial services comparison platform invites you to review the terms of use for the Sberbank Zolotaya debit card and submit an application. The additional services package includes:

  • Scheduled re-issuance, or re-issuance due to loss or change of personal data, is free of charge.
  • Checking account balance at other ATMs costs 15 RUB per statement.
  • Retrieving information on the last 10 transactions at a Sberbank terminal costs 15 RUB.
  • Receiving a report by email or through a bank teller is free of charge.

SMS notifications cost the cardholder 0 RUB per month. According to reviews of the Sberbank Zolotaya debit card, custom design is not available. Transfers of up to 1 million RUB per day to the accounts of close friends and relatives are permitted.

To top up your card balance free of charge, use the bank's ATMs, Sberbank Online, Mobile Banking, or cash desks at Sberbank branches across the country.

Please note that card-to-card transfers within the same region cost 0 RUB, while transfers to other regions incur a 1% fee.

Rates

Payment instrument
Visa, MasterCard, MIR
Card type
Gold
Card validity period
36 months (for Visa and MasterCard). 60 months for MIR
Interest rate on the balance of available funds
Not provided
Cash withdrawal (conditions)
At all Sberbank ATMs: 0 RUB. At other ATMs: 1%, but minimum 100 RUB. At other banks' cash desks: 1%, but minimum 150 RUB.
Annual debit card maintenance
3,000 RUB
Overdraft
Not provided
Delivery scheme
Exclusively at a bank branch
Delivery period
14 business days
Money transfers
To Sberbank cards of the same regional status: 0 RUB. To Sberbank cards in other regions: 1%. To cards of third-party banks: 1.5%, but not less than 30 RUB.
Loyalty programs
SberSpasibo bonuses. 0.5% for all categories. 5% under Sberbank terms. Up to 30% from partners.
App
Apple OS, Android platforms
Internet bank
Yes, free of charge
Borrower's age
From 18 years
3D Secure
Available
Contactless form
PayPass, PayWave
Currency
Visa, MasterCard: RUB, USD, EUR. MIR: RUB
SMS notifications
Free
Overdraft penalties
Not provided by the program

Calculator

Credit card calculator
Credit limit
Term / month
Rate
Loan amount
8 000 000
Overpayment
1 000 000
Total payment amount
9 000 000
Loan maturity
15.05.2022
Monthly payments
500 000

Answers to questions

How will my card be delivered?

The bank does not offer courier delivery services. When submitting your application, you must select the Sberbank branch closest to you to pick up your card. Delivery takes up to 14 days.

How to properly activate the card?

The PIN code is indicated in the information letter inside the envelope, and activation is completed by performing at least 1 transaction at a bank terminal.

How can I check my account balance?

Download the mobile app.
Install SberBank Online on your PC.
Free at Sberbank terminals (only 10 operations available).
At terminals of other banks – 15 RUB.
At the bank branch with an operator – 0 RUB.
SMS notifications – free.
By phone – 8 800 555 55 50 or 900

I lost control of my PIN, how can I reset it?

If you have lost your PIN code, you need to order a card reissue; the reissue cost is 0 RUB.

Other offers

Customer reviews

Leave a review
Irina
Irina
Guest
Sberbank
I was prompted to get a gold card by the need to have a card with a high payment limit. I often need to transfer large amounts of money and a regular card is not suitable for this
Katya
Katya
Guest
Sberbank
I have been using the gold card for six months now. For me, the main advantage is good Spasibo bonus accumulation, which then allows you to make purchases with a good discount. Also, withdrawing cash is convenient, since previously I could withdraw no more than 50 thousand from a regular card
Natalya
Natalya
Guest
Sberbank
@rambler.ru 95.47.125.216 I have been using Sberbank Gold for a year and a half. I use the Visa version as it is more profitable for me in terms of international transfers and contactless payment availability, since I often forget my card at home. Otherwise, I use it most often for payments at gas stations, cafes, and supermarkets. Over the past year, I received 27 thousand RUB in total cashback. So it is really profitable, even taking into account the 3 thousand fee for maintenance.
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