Mastercard Mass

Which cards belong to the Mass segment

These include all cards except for premium lineups such as Gold, Platinum, and Premium. These banking products, characterized by high maintenance fees and special privileges, are therefore popular among high-net-worth individuals. Mass is for students, pensioners, privileged categories of citizens, and the middle-class working population. The validity period of such plastic cards is usually 3 years. Some banks also offer the option to create a custom design for an additional fee.

Thus, the following types of credit and debit cards can be attributed to this segment:

• instant non-personalized cards (often issued for specific transactions);
• pension, student, and youth cards;
• Standard or Classic (usually used as payroll cards);
• virtual cards;
• any other cards with low annual maintenance (sometimes banks issue a special budget Gold lineup).

Pros and cons of MasterCard Mass

For the average user of banking products, the benefits received when issuing a MasterCard Mass are sufficient:

• inexpensive annual maintenance (usually up to 1,000 RUB);
• low client requirements;
• ability to connect online and mobile banking;
• contactless payment.

Obviously, by choosing the economy and basic service terms of Mass cards, the client loses the opportunity to enjoy many additional bonuses available in the premium segment:

• no cashback or very low cashback for purchases;
• low limits on cash withdrawals and money transfers.
• frequent transfer fees (especially between banks) and cash withdrawal fees;
• unfavorable conversion rates.

MasterCard Mass cards from Sberbank

On Sber's website, you can find a full list of current banking products. None of them will be labeled "Mass," and the exact same offers are available across multiple payment systems. Therefore, we have put together a selection of Mastercard cards in the desired segment for you, complete with brief descriptions.

Debit

This type of card is designed for cashless transactions. Account top-ups are commission-free. If desired, almost any debit card can have an additional card issued, the ownership of which can be granted to another person (for example, a family member). You can set a limit on it and monitor all transactions without giving access to your own finances.

SberKarta MasterCard

Sber offers its clients mutually beneficial terms — the higher the spending and card balance, the more bonuses the cardholder receives. There are 4 categories of this banking product depending on expected financial flows: "Paid," "Free," "Good Bonuses," and "Maximum Benefits." SPASIBO bonus accrual is up to 10% of the purchase amount, and up to 30% with partners.

Paid:

• spending < 5,000, balance < 20,000 RUB per month;
• monthly maintenance fee — 150 RUB (for youth — 40 RUB);
• cash withdrawal limits — 50,000 RUB per day, 500,000 RUB per month.

Free:

• spending > 5,000, balance > 20,000 RUB per month;
• monthly maintenance fee — free;
• cash withdrawal limits — 150,000 RUB per day, 1,500,000 RUB per month.

Good bonuses:

• spending > 20,000, balance > 40,000 RUB per month;
• monthly maintenance fee — free;
• cash withdrawal limits — 300,000 RUB per day, 3,000,000 RUB per month;
• increased bonuses in cafes and restaurants +5%.

Maximum benefits:

• spending > 75,000, balance > 150,000 RUB per month;
• free card notifications;
• fee-free cash withdrawals at ATMs worldwide;
• monthly maintenance fee — free;
• cash withdrawal limits — 300,000 RUB per day, 3,000,000 RUB per month;
• increased bonuses in cafes and restaurants +5%, at gas stations +10%.

Youth

Designed for young people aged 14 to 25. Increased cashback in bonus points in youth categories — 5% for transport purchases, 1.5% in cafes, bars, and restaurants. You can activate the youth category in the SberSpasibo app.

Terms:

• annual maintenance — free;
• bonus accrual — up to 20% of the purchase amount, and up to 30% with partners;
• cash withdrawals at Sberbank ATMs up to 150,000 RUB per day and 1,500,000 per month without commission;
• custom design development — 500 RUB.

Classic Card

This is Sber's most popular banking product among the working population. Most often used as a payroll card. Unlike most others, it can be opened not only in rubles, but also in euros/dollars.

Terms:

• annual maintenance — 750 RUB for the first year, 450 RUB thereafter;
• bonus accrual — up to 30% of the purchase amount with partners;
• cash withdrawals at Sberbank ATMs up to 150,000 RUB per day and 1,500,000 per month without commission;
• custom design development — 500 RUB.

SberKids

This is a free virtual card designed specifically for children. Parents can transfer pocket money here, set spending limits, and control all financial transactions of their child. The young user gets the opportunity to shop online, make transfers, and even create a savings jar in the SberKids app. The card can be added to Apple Pay, Google Pay, and Samsung Pay for contactless payment. Please note that plastic card issuance is not provided in this offer. It cannot be used abroad or in foreign online stores.

Terms:

• annual maintenance — 0 RUB;
• maximum card balance — 15,000 RUB;
• maximum card turnover — 40,000 RUB/month;
• bonus accrual — 0.5% of the purchase amount, and up to 10% with partners

Instant card

Its main difference is the speed of issuance. During your very first visit to a bank branch, you are issued a non-personalized card with a 3-year validity period. Moreover, it is considered valid from the moment of its manufacture, rather than delivery to the client. In terms of all other functions, it is in no way inferior to other banking products — you can use NFC payments, the SberBank Online application, and Mobile Banking.

Terms:

• annual maintenance — free;
• bonus accrual — 30% of the purchase amount at partner stores;
• cash withdrawal at Sberbank ATMs up to 50,000 rubles per day and 100,000 per month without commission.

Credit

To borrow money from Sberbank onto a card, you will need to submit an application on the website, in the app, or visit a branch in person with the necessary documents. In addition, if you are already a bank client, the lender may have a pre-approved offer for you. Based on your income and expenses, it analyzes the amount it is ready to provide you for paid use and informs the client. Rejection of the application in such a situation is practically excluded. Even after issuing a credit card, it is possible to decrease and increase its limit.

It is worth noting that, like any other bank, Sberbank charges a commission for transfers and cash withdrawals from a credit card — from 3 to 4%. The limit for transfers and cash issuance is 150,000 RUB per day.

Gold card

The advantages of the card are the possibility of setting a large limit, participation in the bonus program, and an interest-free period. With proper management, you won't have to pay a single penny for using the money and the card itself.

• card maintenance — free of charge;
• limit — 300,000 rubles (a personal limit of 600,000 can be set);
• interest-free period of up to 50 days;
• interest rate for any transactions 25.9% (23.9% with a personal limit);
• penalty (on the overdue payment amount) — 36% per annum;
• bonus accrual — up to 30% of the purchase amount at partner stores.

Classic

It differs from the gold card only in its bonus program — in the standard version, "spasibo" bonuses are not accrued.

• card maintenance — free of charge;
• limit — 300,000 rubles (a personal limit of 600,000 can be set);
• interest-free period of up to 50 days;
• interest rate for any transactions 25.9% (23.9% with a personal limit);
• penalty (on the overdue payment amount) — 36% per annum;
• bonus accrual — up to 30% of the purchase amount at partner stores (with a personal limit).

Instant

Issued only upon a bank offer with a personal limit.

• credit limit — up to 600,000 rubles;
• interest-free period for all purchases — up to 50 days;
• interest rate for any transactions (per annum) — 23.90%;
• bonus accrual — up to 30% of the purchase amount at partner stores
• penalty (on the overdue payment amount) — 36% per annum.

Digital

Issued virtually immediately after the application is approved by the bank. In its characteristics, it is no different from a regular one, while at the client's request, a familiar plastic card can also be issued. Pros: speed from submitting the application to starting use, free maintenance, and zero environmental impact.

• card maintenance — free of charge;
• limit — 600,000 rubles;
• interest-free period for all purchases up to 50 days;
• interest rate for any transactions (per annum) — 23.9%;
• bonus accrual — up to 30% of the purchase amount with partners;
• penalty (on the overdue payment amount) — 36% per annum.

So, MasterCard Mass is the most affordable segment of banking products from this payment system in the financial market. Thanks to minimal client requirements, low maintenance costs, and modern technologies, having such a card will be sufficient for a comfortable life.