Among the huge variety of banks in our country, Sberbank is the leader. Every Russian is his client, because any person at least once in his life entered its walls in order to receive any state allowance or pay utility bills, receive or transfer money.
In terms of the number of bank cards issued, the first place also belongs to him, because what else can be a stronger guarantor of reliability, if not people's love and recognition? Let's talk about how to get a Sberbank card.
Which card should you choose?
First you need to decide for what purpose you want to get a bank card. To use a credit card exclusively as a wallet, placing personal funds on its account, you will need a debit card. If you want a card that will allow you to borrow money from a bank on credit, then choose from a variety of credit cards.
The money allocated by the bank as a loan can be used more than once (within the available amount). In addition, a credit card, like a debit card, allows you to store your own funds on it. Otherwise, there is no difference between these two types of cards. Both one and the other allow you to pay in stores and on the Internet, as well as cash out the funds on the card.
Visa or MasterCard?
Another difference between bank cards is the payment systems to which they belong. Before you learn how to issue a Sberbank card, you need to decide on this choice. The most popular are Visa and MasterCard cards, which do not have significant differences for an ordinary ordinary user. Both of these systems are international.
Sberbank offers Visa Classic and Visa Gold, as well as MasterCard Standart and MasterCard Gold. Cards with the "Gold" prefix have more favorable terms of use, they can receive large amounts on credit with a lower interest rate, but the service fee for such cards is much higher. In addition, the bank offers some types of cards for which there are special conditions. For example, Visa Give Life, which allows you to participate in a charity program, or Visa Aeroflot, thanks to which you can save on plane tickets.
Now, having decided on the types of credit cards, let's move on to the question of how to issue a Visa or MasterCard Sberbank card. The registration process for these cards of different payment systems is no different.
How to get a Sberbank card?
In order to become the owner of a bank card, regardless of which card you choose, you must apply for a credit card in person at the bank or online.
Debit card
If you want to issue a debit card, then it is enough to provide a passport of a citizen of Russia. The only condition is that the age of the cardholder must not be less than 14 years old. After completing the application, a few days later, you will receive the card by coming to the bank. It is possible to order an individual design. To do this, you need to order a card on the Sberbank website. Upon receipt, you will have signed all the necessary documents and paid a certain amount of money charged for the issuance of the card and its maintenance.
Credit card
How to get a Sberbank card - "MasterCard" or "Visa" - in order to withdraw funds provided by the bank on credit from it? A bit harder than debit! To issue you such a card, the bank must make sure of your solvency. After filling out the form, you must attach the required package of documents. Sberbank allows you to receive loans both according to a simplified scheme and according to a complete list of documents.
The simplified scheme assumes a higher interest rate on the loan, but makes it much easier to obtain it. To request a credit card without submitting documents from your place of work, you need to give the bank employee who draws up your application, a civil passport and any second document, for example, a foreign passport, driver's license, SNILS.
To lower the interest rate on the loan, you need to bring a certificate from the place of work and a copy of the work book to the bank. An important condition: the time of work at the last workplace must be at least six months, and the length of service for the last five years must be at least a year. A bank employee will accept documents and an application from you and inform you of the bank's decision within two days after you fill out the application.
Momentum card
That's all about how to get a Sberbank card. Finally, it should be said that if you order a debit bank card, then there is an opportunity to order a Momentum card. It differs from the usual one in that it is not released within a few days, but instantly, within a few minutes.
Such a card is called Visa Elektron or MasterCard Maestro. Its external difference lies in the fact that the name of the cardholder is not stamped on it. This is what limits its action - not every store or bank serves such cards. But no fees are charged for them. How to get a Sberbank Momentum card? Just like a regular card! Do not forget to inform the operator of your wish to receive the card today.
