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Debit card Gold from Sberbank
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Articles about debit cards
About the card
Online application for the Sberbank Golden Debit Card
The main advantage of the Sberbank Golden Debit Card is the opportunity to receive enhanced bonuses from Sberbank of up to 5%, as well as up to 30% from the credit institution's partners. However, the main drawback of the Sberbank Golden Debit Card is its annual maintenance fee. You will have to pay 3,000 RUB per year, but at the same time, you can easily cover the annual maintenance costs through bonuses and Sberbank Spasibo loyalty tiers.
The second equally important feature of the Sberbank Golden Debit Card is the ability to withdraw up to 300,000 RUB per day at ATMs. This rule applies to both terminals and the credit institution's cash desks. The largest credit institution charges 60 RUB for SMS services on standard cards, whereas SMS notifications for the Golden debit card cost 0 RUB.
Terms and conditions for the Sberbank Golden Debit Card
According to the terms of the Sberbank Golden Debit Card, Visa and MasterCard cards can be used for payments outside Russia, while the MIR card can only be used within the country. In addition, the MIR card cannot be used for contactless payment via smartphone. Perks of the MIR card include a longer validity period of 5 years, compared to only 36 months for other cards.
The maximum number of bonuses per year is as follows:
- Cafes and restaurants category: maximum spending of 100,000 RUB per year, with 27,600 bonuses.
- Supermarkets category: spending of 100,000 RUB per year, with 12,000 bonuses.
- Other categories: spending of 100,000 RUB, with 6,000 bonuses.
Thus, by spending 300,000 RUB per year across all categories, you can receive 45,600 bonuses.
In the "Cafes and Restaurants" category, you get 5% back in Sberbank bonuses, and 1% in Supermarkets. Some Sberbank partners (about 200 stores) offer up to 30% back in bonuses.
The annual card maintenance fee is the same for everyone at 3,000 RUB, and 2,500 RUB per year for a second card.
| 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 | ||
Transfers to a relative or close person are limited to a maximum of 1 million RUB per day.
Terms
- Age 18 and older.
- Russian citizenship.
- Registration in the region where the bank branch is located.
- 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.
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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.
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