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Sberbank Gold credit card
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Articles about credit cards
About the card
Overview of information on the Sberbank Golden Credit Card
The main advantage of the Sberbank Golden Credit Card is the opportunity to earn cashback in the form of Spasibo bonuses, allowing you to get up to 10% back on purchases across a range of the bank's partner stores. You will never find flaws in the Sberbank Golden Credit Card because this banking product is designed for those who know how to enjoy a good time while earning substantial rewards on desired purchases.
- Visit our credit card matching service and check the terms of use for the Sberbank Golden Credit Card.
- The maximum available credit limit per application is 600 thousand RUB.
- Interest rate for everyone starts at 23.9% per annum.
- Visit bars, cafes, and restaurants with friends and receive cashback in the form of Spasibo bonuses of up to 10%.
- Annual maintenance is free for the first year (this offer applies only to pre-approved cards with a 300 thousand RUB limit).
- A grace period of the first 50 days applies, starting from the day of making a purchase in a store.
If you know how to have fun and appreciate a good time, then the Sberbank Visa Gold credit card is made for you.
Terms and conditions of the Sberbank Golden Credit Card
To take advantage of the Sberbank Golden Credit Card, we invite you to review the main provisions of the loyalty program.
All discounts are generated through the Spasibo bonus program, where 1 point equals 1 RUB.
- By participating in the Spasibo program, holders of the Visa Gold credit card get access to shopping at over 200 partner stores.
- You can subscribe to Apple Music for just 169 Spasibo bonuses.
- If you have enough Spasibo bonuses, you can use them to cover up to 99% of the cost of worldwide airline tickets.
The bonus portion is always a multiple of 100 RUB, which must be taken into account when calculating Spasibo bonuses.
Cash withdrawals are subject to a limit. You can withdraw no more than 30 thousand RUB per day.
Terms
An important requirement for the Sberbank Golden credit card is that the borrower must be a citizen of the Russian Federation.
Sberbank is strict regarding its borrowers. Sometimes the bank's representative may take not just a couple of hours to review information,
but several days. This is due to the bank's specific policy, which imposes stringent requirements on borrowers. This banking product is also available to pensioners, provided they confirm their income and employment status.
Sberbank evaluates information regarding additional sources of income and property rights during the application process. The more positive factors you have, the higher your chances of approval by the credit institution.
We invite you to read the reviews of the Sberbank Golden credit card. As reviews show, there are both pros and cons to the card. Negative aspects are primarily associated with strict candidate requirements. Most borrowers cannot prove their solvency, which leads to a rejection of the Sberbank Golden credit card.
- Review the offer on our card selection service and click the "Apply for Credit Card" button, after which you will be redirected to Sberbank's official website.
- Fill out the application form on Sberbank's website. It is important to complete all fields in the application.
- The bank will request data from credit bureaus, for which your consent will be required.
- To fill out the simple application, you need to provide your Russian passport details.
- Confirm your actions and wait for the bank's decision within 2 calendar days.
- You will receive an SMS notification with information about the card approval and pickup procedure at Sberbank.
- The borrower's age limit is from 21 to 65 years.
- You must have permanent registration in one of the regions of Russia where the nearest bank branch is located.
- You must have a work experience of at least 6 months at your current job.
- To increase the chance of approval, you can optionally provide a 2-NDFL certificate, a completed bank-form income certificate, or informational and documentary confirmation of business income.
To find out your current balance and upcoming payments, choose one of the following methods:
- Use the Sberbank mobile app to find information about your card.
- Log in to online.sberbank.ru and check the card account status.
- Send the text message "Долг" to 900.
Please note that the mobile phone number and Sberbank Online must be the same.
The initial credit limit will be reported by the bank. However, you can check the procedure by calling the hotline at 8 800 555 55 50.
The credit limit on the card can be increased in only one way: you must submit an application at the bank to have your credit line reviewed. A Sberbank operator will tell you what additional documents need to be provided to approve an expanded credit line. In some cases, the bank changes the credit line amount independently. If you do not want to increase the credit line, send a message with the text LIMIT NO to 900, which means you are declining the offer.
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Answers to questions
I applied to Sberbank, how many days does it take to review the application?
No more than 2 working days. Sometimes Sberbank may extend the application review by 7 days.
How will I know the bank's decision?
You will receive an SMS notification about the approval or rejection of the credit card.
How will my Sberbank card be delivered?
Sberbank is one of the few banks with branches in all cities of the country. The SMS notification will specify which branch you need to visit to collect your credit card.
How can I activate the credit card?
You can activate the card at a bank office, as well as in the mobile bank or Sberbank Online.
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