Which card to choose: what Sberbank offers

Виды кредитных и дебетовых карт от Сбербанка: краткий обзор

Before choosing a card, you need to understand that they can be credit or debit. With a credit card, you use the financial institution's funds, while a debit card allows you to save and spend your own money.

Types of debit cards

Sberbank offers several types of debit cards.

With high bonuses

This banking product is ideal for those who are always looking to save. Up to 10% of your purchase amounts are returned as SPASIBO bonus points when paying at gas stations, Gett, and Yandex. You will also earn cashback on taxi rides, supermarket purchases, and dining at cafes and restaurants. Annual maintenance costs 4 900 RUB, and you can withdraw up to 500 000 RUB per day fee-free.

Youth

The Youth Card is designed for individuals aged 14 to 25. It can be used to pay for purchases at any store and to transfer or receive money from relatives. You can also earn Spasibo bonuses and redeem them for discounts. Annual maintenance is 150 RUB. You can withdraw up to 150 000 RUB per day fee-free at an ATM or branch.

Please note! Young people can also order a card featuring a League of Legends design (design cost of 500 RUB) or choose the most suitable look from 200 custom design options..

Zolotaya Korona

Earn up to 5% in Spasibo bonuses when using this card at restaurants, cafes, and supermarkets. Maintenance is far from cheap at 3 000 RUB per year. However, you can withdraw up to 300 000 RUB fee-free every day.

How much can you save with this card? It all depends on your spending. For example, if you spend 29 000 RUB per month at cafes and restaurants, 49 000 RUB at supermarkets, and 10 500 RUB on other purchases, you will earn 23 910 bonuses..

Classic

This is the choice for people who prioritize competitive prices and quality service above all else. Cards are issued on the Visa, MasterCard, and Mir payment systems. You can use it to pay for purchases, earn bonuses, and send or receive money. The maintenance fee is 750 RUB for the first year and 450 RUB for subsequent years. Daily fee-free cash withdrawals are up to 150 000 RUB.

You can also order a classic card with a custom design.

Pension

This banking product is available to customers who receive social benefits from the Pension Fund of Russia. They pay nothing for annual maintenance and earn 3.5% per annum on their balance. Spasibo bonuses: 0.5% from Sberbank, up to 30% from partners. The financial institution sets a cash withdrawal limit of no more than 50 000 RUB per day.

Aeroflot Cards

If you love to travel, here are the best Sberbank cards for you:

• Aeroflot Classic. For every 60 RUB spent, you earn 1 bonus mile. Cardholders are charged an annual maintenance fee of 900 RUB.
• Aeroflot Gold. Under the card's terms, you will earn 1.5 miles for every 60 RUB spent. Maintenance is not free, costing 3 500 RUB per year.
• Aeroflot Signature. Under this plan, you earn 2 miles for every 60 RUB spent. However, a 12 000 RUB maintenance fee is charged once a year.

Visa Digital Card

This payment card can be issued in just 2 minutes via Sberbank Online. No maintenance fees are charged.

Instant

A free payment card for purchases, including online shopping. Issued in 10 minutes at a bank branch.

Podari Zhizn

Sberbank offers three Podari Zhizn cards: Classic, Gold, and Platinum. Every time you make a purchase, the bank donates 0.3% to the foundation. Maintenance costs depend on the card tier, ranging from 1 to 15 000 RUB per year.

Сравнение дебетовых карт Сбербанка

Once you have reviewed the information provided, you can make your choice, and a comparison will make it even easier.

	Classic	With high bonuses	Instant
Maintenance fee (in Russian currency)	750 in the first year, 450 in subsequent years	4 900	free of charge
Currency	Rubles, euros, US dollars	Rubles, euros, US dollars	Rubles, euros, US dollars
Validity period (years)	3	3	3
Custom design	No	Free	No
Mobile phone payments	+	+	+
Contactless payment	+	+	+
Can be used abroad	+	+	+
ATM withdrawal limit (thousand)	150	500	50
Sberbank teller withdrawal limit (thousand)	150	500	50
Fee for over-limit ATM withdrawals	None	None	None
Fee for over-limit withdrawals at bank cash desks (% of excess amount)	0,5%	0,5%	0,5%
SMS notifications	Free	Free	Free

Please note! Such comparisons can be made on Sberbank's official website, which is very convenient..

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Виды кредитных карт от Сбербанка — небольшой обзор

• Gold credit card. Free maintenance for the entire term + promotions + up to 10% cashback on dining at cafes and restaurants. Credit limit — up to 600,000 RUB; grace period — up to 50 days.
• Premium, also known as the Sberbank black card. Features a credit limit of up to 3 million RUB. Annual maintenance fee — 2,450 RUB. Commission-free cash withdrawals. A 50% discount on annual maintenance is also available.

• Classic credit card. Offers a grace period of up to 50 days and a credit limit of up to 600,000 RUB. This Sberbank card offers up to 10% cashback.
• Classic Aeroflot card. Issuance takes 1 minute. 1 mile per every 60 RUB spent. Annual maintenance fee — 900 RUB. You can also apply for the Aeroflot Signature banking product to earn 2 miles per every 60 RUB spent, with the annual maintenance fee increasing to 12,000 RUB. The Aeroflot Gold card costs only 3,500 RUB per year, earning you 1.5 miles for every 60 RUB spent.
• Gift of Life Gold and Classic cards. Cardholders pay no maintenance fees, and the bank donates 0.3% to the foundation for every purchase.

It is difficult to recommend the best credit cards from Sberbank as everyone has different needs. Choose for yourself!

How to apply for Sberbank payment instruments

If you have already chosen the best Sberbank cashback card for yourself, you can apply online using our service. Click the virtual "Apply Online" button, fill out the form, and submit it for review. Processing times for Sberbank credit and debit cards depend on your location: 2 to 3 business days in major cities, and up to 15 business days in district centers or rural areas.

A passport is required to collect the payment instrument.

Note! The bank issues plastic cards to third parties only with a notarized power of attorney..