Sberbank credit card momentum

Credit cards are a popular product that makes life easier for a skilled user and helps in solving financial problems. The variety of banks and credit cards often discourages the client when choosing. A smart approach is to choose a trusted bank. One of the most reliable options is the Sberbank Momentum credit card. About the conditions under which it is provided and used, we will analyze in the article.

Momentum is a standard plastic credit card from Sberbank. As the name implies, its highlight lies in the speed of registration. Sberbank claims that it can be issued in a quarter of an hour at any office or even on the bank's website on the Internet. The card account is opened in rubles. The card is issued in two versions of servicing payment systems - visa and mastercard, depending on the preferences of the customer. The card is equipped with a payment system using a smartphone on Android, iOS or Samsung. Momentum is valid for three years from the date of issue, and then it will need to be reissued.

Requirements to get

The credit card Momentum of Sberbank, the conditions for obtaining for the case of a standard client request for a card, presents the following:

You must be a Russian citizen.
Be over 21 and under 65.
Have registration (permanent or temporary) on the territory of the Russian Federation.

In this case, the standard tariffs of the card apply to the user. However, a number of clients can count on preferential terms. The grounds for special pricing are:

Possession of a salary or pension card of Sberbank.
Using a debit Sberbank card.
The presence of an open deposit in Sberbank.
Not buried consumer credit.

As you can see, the requirements for customers are very loyal. About what conditions and interest correspond to these two cases, further.

Card usage fees

We now give a description of the tariff plan of the Momentum Sberbank credit card. After all, the main thing in using a credit card is what it costs its holder. Simply put, what are the percentages of the card and the conditions.

Lending terms

The first thing a client pays attention to when choosing a loan product is the interest rate. Sberbank Momentum credit card, lending interest and other important parameters for a pre-approved offer sets the following:

The amount of the limit individually can reach 600 thousand rubles.
For the year, 23.% is charged on the loaned amount.
If the mandatory monthly payment is overdue, the rate rises to 36%.

However, it is possible to repay a loan on a card without interest - to have time to do this during the grace period. For a Sberbank Momentum card, it is 50 days. That is, if you return its value to the card within 50 days from the date of purchase, you will not have to overpay interest. But the accrual of interest on the account balance at the end of the reporting period for the Momentum credit card is not provided.

Terms of Service

Like any other credit card, Momentum has features related to the cost of operations and maintenance. With regard to the content of the card for pre-approved users (to whom the bank sent an offer to issue a card), the maintenance conditions apply:

Issuing a card is free.
Service is free.
Card reissue - no commission.
Viewing the available limit through an ATM of another bank costs 15 rubles.
Obtaining an extract on the last 10 transactions at an ATM of another bank - 15 rubles.
Report on the card in Sberbank or by e-mail - for free.

But it is impossible to issue a second card linked to a credit account. With regards to interest for operations, they are distributed as follows:

Cash withdrawals are subject to a commission of 3% in Sberbank and 4% in other banks (but not less than 390 rubles). At the same time, you can withdraw a maximum of 50 thousand per day at an ATM and 150 thousand at the cash desk, but in total no more than 150 thousand.
Urgent cash withdrawal outside Russia will cost 6,000 rubles.

As you can see, Momentum card service is provided by Sberbank on very favorable terms.

Additional benefits

In addition to successful interest and conditions on the Sberbank Momentum card, it has a number of other pleasant advantages:

The Momentum credit card participates in the customer reward system - the bonus program. When buying with a card, the user earns bonuses at the rate of 0.5% from Sberbank and up to 50% from its partners. The accumulated bonuses can be spent in the equivalent of rubles in the stores of Sberbank partners. These include such popular brands as Bork, New Balance, Kinomax, Delivery Club and many others.
All convenient services are available to cardholders - a mobile application, an online Sberbank personal account, a mobile bank, auto payments for cellular communications or utility services.

These nuances make using a Momentum credit card not only profitable, but also enjoyable. Namely, small pluses, other things being equal, make the product attractive.

Conclusion

When deciding which credit card to get, it is worth studying the offers in detail. After all, it depends on how much, when and how you have to return, and what you can count on. The Sberbank Momentum credit card is definitely a worthy option. Ease of obtaining, low cost of maintenance conditions and very humane lending rates make Momentum an excellent product. The card boldly competes with similar offers from other banks. Having acquired such help and using it wisely, you will not have to regret.