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Credit Europe BankSberCard Debit Card from SberBank
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Articles about debit cards
About the card
"SberCard" is one of the most popular debit cards in 2024. Sberbank offers favorable service terms for it: free issuance and use, no commission for top-ups, cash withdrawals and transfers, and good cashback on purchases. Here are the tariffs for the debit SberCard from Sberbank in 2024.
Terms
You can get the card for free — you do not need to pay a card issuance fee. However, using the card will cost you. The maintenance fee for the SberCard is 150 RUB per month for regular clients and 40 RUB per month for clients aged 14 to 21.
You can use the card for free if you meet one of the following conditions:
- making purchases of 5,000 RUB or more per month;
- receiving a scholarship, salary, or social benefits onto the card;
- subscribing to SberPrime Start, SberPrime, or SberPrime+.
If you want to receive notifications about deposits and withdrawals, you can connect the corresponding service. The transaction alert fee is 99 RUB per month for regular clients and 40 RUB per month for those receiving social benefits or a pension on the card. You can use this service only if you subscribe to SberPrime Start, SberPrime, or SberPrime+.
You can top up your debit card for free using convenient methods:
- in cash at Sberbank cash desks and branches;
- in cash at partner bank ATMs;
- via card-to-card transfer;
- via SBP transfer.
You can withdraw cash without commission at cash desks and ATMs of Sberbank, its subsidiaries, and other banks within approved daily and monthly limits. If you exceed them, you will have to pay a commission of 1%, but not less than 150 RUB.
You can find the daily and monthly tariffs in the SberCard terms in your personal account.
You can transfer money without commission between your accounts up to 30,000,000 RUB per month and to other Sberbank clients up to 50,000, 100,000, 500,000, or 1,000,000 RUB per month. You can also send funds for free to other banks via the Faster Payments System (FPS) up to 100,000 RUB per month. If you exceed this limit, you will pay an extra 0.5%, but no more than 1,500 RUB.
An attractive loyalty program applies to the SberCard. Every month you can choose categories with increased cashback. The reward on the card depends on whether you have a SberPrime subscription.
Without subscription
Without a subscription, you can choose three categories of increased cashback every month. Sberbank awards up to 5% on purchases in these categories. You can also get 0.5% for regular purchases outside of these categories. The bank awards no more than 2,000 bonuses per month for these.
SberPrime Start
With the SberPrime Start subscription, you can choose four categories of increased cashback monthly. Sberbank also awards up to 5% of the receipt amount in these categories. You can also get cashback for regular purchases outside of categories, which provides 1% of the spent amount.
For regular purchases, the bank awards no more than 5,000 bonuses per month.
SberPrime
With the SberPrime subscription, you can choose five categories of increased cashback every month. The bank also awards up to 5% on purchases in these categories. You can also get 1% for regular purchases outside of categories.
The maximum reward amount is 10,000 bonuses per month.
SberPrime+
The terms for SberPrime+ are practically the same as for SberPrime. Every month you can choose five categories of increased cashback. The reward for them is up to 5% of the receipt. You can also get 1% for regular purchases, but no more than 20,000 bonuses per month.
Regardless of subscriptions, you can also get up to 70% for purchases at partner stores.
Interest on the account balance is not provided for the SberCard debit card. However, if you have savings and want to earn income on them, you can open a savings account.
The maximum yield on it is 16% per annum. The most favorable terms are provided in the first three months from the opening date for those who have never previously opened a savings account with interest on the daily balance and the "Daily %" savings account.
Starting from the fourth month from the opening date, the basic interest rate applies. It is 10% per annum.
Pros:
- free card issuance and reissuance upon expiration;
- free use of the mobile app and online banking;
- free card maintenance subject to conditions;
- free card top-up with cash at Sberbank cash desks and branches, via card number transfer, and through the FPS;
- free cash withdrawals at Sberbank ATMs and cash desks, its subsidiaries, and other banks within limits;
- free transfers between your accounts up to 30,000,000 RUB per month, to other Sberbank clients up to 1,000,000 RUB per month, and to clients of other banks via the FPS up to 100,000 RUB per month;
- cashback accrual of up to 70% on purchases.
Cons:
- paid card maintenance if conditions are not met;
- high fees for cash withdrawals and transfers when limits are exceeded;
- no interest on the card balance.
How to apply
As usual, you can apply for a debit card in two ways. The first is at a Sberbank branch. To do this, you need to find the office closest to your home or work and visit it during business hours, bringing along your Russian internal passport.
The second way to apply for a card is to submit an online application on the Sberbank website. To do this, you need to do the following:
- On the SberCard application page, click the "Apply online" button.
- Enter your last name, first name, and patronymic, as well as the last and first name to be printed on the card.
- Click the "Continue application" button. Enter your passport details, mobile phone number, and date of birth.
- Click the "Get SMS code" button.
- Enter the confirmation code from the text message.
- Specify the bank branch for card pickup.
- Click the "Select office" button.
- Click the “Submit application” button.
Rates
of subsidiary companies and other banks within approved daily and monthly limits
to other Sberbank clients in the amount of up to 1,000,000 RUB per month;
to clients of other banks via the Faster Payments System (SBP) for up to 100,000 RUB per month
up to 5% for purchases in elevated cashback categories;
up to 70% for purchases at Sberbank partner stores
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