What Sberbank cards are

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In 2019, Sberbank offers about a dozen main types of cards, and each of them can be used and issued in different ways. The functionality of the card and its status also differ. It is necessary to correctly navigate what Sberbank cards are in order to select exactly those card services that are needed.

The main types of bank cards in Sberbank

All cards are divided into two categories: credit and debit. The former have greater functionality when obtaining loans, the latter when receiving income and deposits, for more details, see the article “Types and costs of servicing Sberbank cards in 2019”.

The most common type of debit card is a payroll card. It is used to transfer salaries directly from the employer. There are several types of them.

Here are the main features:

  • payment for purchases in self-service terminals and ATMs;
  • payment for purchases in online stores;
  • transfer and receipt of funds from other cards of Sberbank;
  • accumulation and storage of bonuses that are converted into rubles;
  • connection to mobile banking, Sberbank Online.

A credit card is issued by almost everyone who has a loan from Sberbank. A credit card account contains borrowed funds, and its main purpose is to provide an opportunity to dispose of them. Sberbank uses the latest security technologies for such cards.

Many functions of credit and debit cards overlap. To make the most of the card for personal tasks, Sberbank offers several types of credit and debit cards.

Classic plastic cards

Without exception, all bank cards work in the international SWIFT system. Moreover, both the most common and the latest, for example, the Mir card and PRO100 . Using this system makes the map truly international. The overall dimensions of the card, the architecture of the chip and the encryption algorithm - all this is determined by Visa Classic and MasterCardStandard. It is from here that this inscription on the cards, it would seem, of a completely different company, is taken.

The international status of the card is especially relevant when making purchases for a different currency, but not all Sberbank cards have such an opportunity. The SWIFT system sets some standard framework in which a particular bank in the world can produce its cards. Moreover, it can only cut functions, and not add new ones, which would require a change in the functionality and equipment (ATMs, terminals) of the entire international system.

Maximum card conditions from SWIFT (MasterCard):

  • work with almost all currencies of the world;
  • validity period - 3 years;
  • registration - paid (about $ 10 in various countries of the world);
  • accepting different currencies with one card;
  • payment for purchases in various currencies;
  • connection of card accounts to Internet services;
  • card account management without using it (for example, under a bank agreement on paper);
  • multiple backup of card data (guarantees quick recovery in case of loss, blocking in case of theft);
  • accrual of bonuses for various programs, which are determined by the card manufacturer;
  • encryption of all bank cards of the world according to standard algorithms;
  • multi-layer encryption;
  • 3D Secure system for online payments;
  • work with any other banks (for example, foreign banks) connected to the general MasterCard system.

Let us remind you once again that multi-currency cards are far from all. This is the maximum list of functions provided by the international SWIFT system and available equipment (ATMs in many countries of the world). Sberbank for a particular card reduces it in various ways. At first glance, it seems that this interferes with users. However, it is not. Almost no one needs such a complete package of functions. So, on almost any card, the multi-currency list is replaced by two or three currencies: the dollar, the euro, and the currency of the Central Bank of the country that made the card.

This is a general introduction to the functions of the MasterCard international payment system. Now you can take a closer look at what Sberbank cards are, what functions they provide.

Credit Card Features:

  • restriction on the electronic account of means of payment - 600 thousand rubles;
  • interest-free loans for 50 days;
  • after a paid registration, all further service is free (not for all cards).

Types of payment cards

Payment cards are one of the most common. Momentum series cards are the most successful among them. In large payments, electronic settlement protects against theft. In small ones, it is simply more convenient, since you do not need to stand in line to pay for a communal apartment, a loan, etc.

There is a huge variety of designs. It can be customized, but with limitations.  

Not all cards are issued for a fee, some Sberbank gives automatically. So, what kind of Sberbank cards are there?

  1. Instant issue card Momentum . They are issued immediately and require no collection fee. Their services are minimal. Design is standard. An example of a popular instant issuance card is Maestro Momentum (a more detailed review will be given on the site pages). The minimum set of services is enough for the majority of the population.
  2. Entry level cards . They have the Visa, MasterCard logo. Can work with several currencies (not all options). They have significantly more opportunities than instant issuance cards. Their registration and maintenance is paid (there are paid unattended cards). The cost of maintenance is about 300 rubles per year or 900 rubles for the entire duration of the card.
  3. Golden cards . Given by Sberbank for VIP clients. They have an improved system for adding bonuses and accumulating points. They have their own customization options. The list of supported currencies has been significantly expanded. Gold cards are often used by tourists around the world and multicurrency is very important for them. It is worth noting that they have the highest level of security, protection against cybercriminals and hackers.
  4. Premium cards with insurance . They have the function of insuring the life of the cardholder and his property. Complex contracts with connected life insurance of the cardholder's relatives can be used. Withdrawal of insurance premiums is automatic.
  5. Special cards . They include the withdrawal of a percentage of operations, which is transferred to special funds. These are the Podari Zhizn and Aeroflot cards. The percentage of operations is transferred to the medical fund, as well as to the Aeroflot company, which gives significant discounts when buying air tickets.
  6. Fully virtual card for electronic financial transactions . Does not have a plastic equivalent with a chip.
  7. Platinum cards with no limits on transactions . They have all the functions of gold cards. Used by many legal or natural persons, firms, companies of any level.

A large percentage of Sberbank's clients are pensioners. With this in mind, special cards with preferential conditions have been developed. The most popular of them is the "Social" card, with free service. There are bonus programs, for example, accrual of 3.5% per annum to the balance on the card.

Types of credit cards

Another popular card is Youth. Cards for security purposes have the following restrictions on the maximum amount of transactions:

  • instant card with free service - 600 thousand rubles;
  • gold - 600 thousand rubles;
  • for youth, the restriction is regulated within 15-200 thousand rubles;
  • Aeroflot - 600 thousand rubles;
  • the platinum card has no limits.

An interest-free loan is limited to 120 thousand rubles with a 50 period (the period without interest is considered, after which there are ordinary credit conditions).


Documents for obtaining a card (if you do not have an account with Sberbank):

  • passport;
  • employment contract (work book);
  • personal income tax certificate-2;
  • certificate explaining the type of employment;
  • a phone with a SIM card linked to the recipient's passport.

For pensioners, the set of documents is supplemented by an appropriate certificate. Applying for a debit card is easier than a credit card. Solvency assessment is not carried out as carefully as when obtaining a loan, but it is still necessary due to the connected function of an interest-free loan (120 thousand rubles). The card is issued within two working banking days from the date of submission of documents. An instant card often does not require special registration and is issued as a bonus, for example, when opening a savings account.

If a credit card is issued along with a loan, you will have to prepare an extended package of documents to confirm ownership of the collateral.

Security measures when using the card

When using a bank card, you should not forget about elementary security rules. Now cloning of a bank card and phone (SIM card), interception of a PIN code , collection of compromising information are used. Mobile banking and Sberbank Online are also vulnerable.

Some safety rules:

  • do not use other people's computers and phones, even for small payments from an electronic bank;
  • use only ATMs installed on the premises of large organizations;
  • do not transfer the phone to which the bank card is linked to third parties. Due to the growth of cybercrime, Sberbank began to offer its customers the opportunity to insure funds. It is recommended to use this feature.

An insurance policy is issued online, or better - at a bank branch.

Knowing what Sberbank cards are, you can conduct a brief overview and easily choose the best option.

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