Visa universal gift card. Gift card of Sberbank of Russia. Sberbank gift card

With the help of the Internet today, you can quickly find out on which the highest percentages are set. People, using the network, get access to any Internet sites, in particular, to the official sites of Russian banks. Their pages contain the information necessary for clients, which helps to decide on a particular financial product. Thanks to this, citizens can find out on what conditions they are issued or how they can purchase a gift bank card.

What is this type of plastic?

A bank gift card can be of two types: VISA and MasterCard. For each issued plastic, a certain denomination is set, which ranges from 1,000 to 15,000 rubles (it must be paid by the buyer at the office of the financial institution). Holders of such cards can give them to anyone, use them only for making non-cash financial transactions, they can neither be replenished nor cashed out.

note: most Russian banks charge a commission when selling gift cards, the amount of which varies between 20–500 rubles.

Bank gift cards are valid for 12 months. When making them, people can order an individual design or apply for a standard plastic. The process of acquiring a card takes a minimum of time, since the bank does not require any documents or filling out a questionnaire from the client. Due to the fact that this type of plastic is not registered and a pin code is not set on it, it can be used as a gift (banks offer festive packaging for cards).

Gift bank plastic has the form of a regular card, where there is a logo of a financial institution (it can be an individual design) and there is a magnetic stripe. The front part indicates the denomination, the amount of which is chosen and paid by the buyer in the process of registration. Gift cards holders can use when making payments on the Internet, at retail outlets, in catering establishments, etc.

note: to purchase a gift card, you need to find a financial institution that offers this type of product, contact its office and pay the face value and commission. In accordance with the regulations of the Federal legislation, the maximum denomination cannot exceed 15,000 rubles, since the bank card will belong to an unidentified user.

Sberbank gift card

This financial institution offers Russian citizens a prepaid Visa class card. It has the following conditions:

• validity of plastic - 12 months;
• the denomination can reach 15,000 rubles;
• there is no service fee;
• no documents are required to purchase a card;
• plastic has no protection (the chip is not embedded);
• the bank does not establish an overdraft;
• there is no need to additionally draw up other types of plastic, for example,.

note: Sberbank gift card holders receive various bonuses and discounts. They can receive information on their plastic through SMS messages. You can find out the balance on the card on the hotline of the financial institution, the phone number of which is posted on the official website.

Otkritie bank gift card

At Otkritie Bank, Russian citizens can instantly receive gift plastic, which is ideal as a present for a loved one. Holders of such cards can use to pay for purchases in retail chains and on the Internet. To purchase gift plastic, you need to contact the Otkritie Bank office, select the amount to replenish it, deposit money and pay a commission. The validity period of such a card is 1 year.

Alfa-bank gift card

Today, Russian citizens are offered debit and salary cards, as well as gift plastic. It can be used not only on the Internet, but also in more than 200 countries around the world where the MasterCard system operates. Gift bank cards are presented in different denominations:

• 3,000 rubles;
• 5,000 rubles;
• 10,000 rubles;
• 15 000 rub.

Clients of the financial institution can purchase such plastic both in a classic design and order a youth design. The cost of issuing a card is 100 rubles. People can make a purchase both in Alfa-Bank branches and in the re: Store retail chain.

Gift card of MTS Bank

At MTS Bank, you can purchase a gift card for 50 rubles, the denomination of which ranges from 1,000 to 15,000 rubles. Buyers are given plastic in a very beautiful package. It can be given to close relatives or used for personal purposes within 12 months. Gift bank plastic can be used as follows.

A few days before the birthday of a close relative or best friend is the time when a slight panic rolls over many. What to gift? After all, you want to make a gift not just expensive and memorable, but also necessary. Especially for this, a Sberbank gift card was issued. Consider what it is?

Gift card features

The gift here will be money, but not as before, in an envelope, but on a beautifully designed bank card. With such a card, a loved one can always buy a gift for himself on his own, but limited to the amount that you gave.

Gift programs of various stores have already become familiar. But all of them have one huge disadvantage - limited use. For example, L’Etoile certificates can only pay for goods sold in this store - cosmetics and perfumes. A Sberbank gift card has as many spending directions as there are offers around us. Any store that accepts cashless payments or an online store will be glad to see you among its customers. With such a card, you can even pay fines, cellular communications and utility bills, unless, of course, you want to spend the donated “money” for such purposes.

A gift card is also called a Sberbank prepaid Visa card. Prepaid - because there is already money in the account, you put it at the time of registration, and Visa - by the name of the payment system used.

To receive a gift card, you do not need to provide any documents, it is issued to the bearer. Currency - Russian rubles. The card is valid for 1 year, serviced free of charge. The balance of unused funds can be transferred to any card using the C2C (card-to-card) transfer service. There is no service fee, and the denomination of the card is determined by the donor - you can deposit from 1,000 rubles to the account. up to 15,000 rubles

Sberbank gift cards are not issued as part of salary projects, they cannot be issued to trusted persons or a limit can be set. It's just an ordinary "plastic" with which you can pay for purchases.

To make a payment in a regular store, you just need to present the card to the cashier. Payment in online stores will require entering the card number (16 digits on the front side), your first and last name in Latin and consisting of three digits. Due to the fact that the card is not named and there is no first and last name on it, you just need to write them in the appropriate form of payment to the cardholder. In fact, you can write anything in English (2 words).

The balance of a prepaid card can be clarified at the Sberbank contact center at 8-800-555-5550 or via SMS to 6470. In the text of the message, you need to write "Balance" and indicate the 13-digit "account number of the client card" on the back of the card , which starts with the numbers 252, for example "Balance 252 1234567890". On the Internet, you can find out the balance and a list of recent transactions at https://pay.cardstandard.ru/sochi2014-sberbank/, where you will be asked to enter the same 13-character number to identify your card.

For your information, the prepaid gift card from Sberbank is not himself, but RNKO "Payment Center". He also issues a very famous and very worthy debit card, on which you can get a loan or credit limit to use it as a universal card (debit + credit).

By the way, Sberbank does not say anything about the possibility of withdrawing cash from the card, but since it is not provided for issuing a PIN code, it is also impossible to withdraw money from an ATM. At the box office, apparently, it will not work either.

The only disadvantage of a gift card is that if it is lost, the funds are also lost. Although in this case we would recommend that you contact the bank's hotline (8-800-555-5550) and try to block the card. At least, in the contract for the comprehensive customer service of the RNCO "Payment Center", there is such an opportunity, here is an excerpt from there:

In case of loss/compromise of the card (etc...), immediately send a message to the RNKO by e-mail [email protected], with a text containing the EAN of the customer's card (13-digit account number), as well as the last 4 (four) digits of the PAN of the customer's card, the subject of which says "Block" (also possible: "blocking", "blockirovka", etc. .). The RNKO confirms the blocking by sending a response message to the Client's e-mail address indicated in the message received from him.

Anyone who is interested can be advised to dig a little deeper and read the comprehensive service agreement.

"Non-gift gift" from Sberbank

Sberbank began to actively offer so-called "gift" cards to many of its regular customers (usually pensioners). The uninitiated will understand this as the generosity of the bank and will begin to actively use the money provided. Especially those who have previously used a Sberbank prepaid Visa card and know what it is. And then a real trap awaits you ahead - the need to return the money and the accrued interest for their use, and quite big ones.

Outrageous, but you were given (one might even say that they imposed!) a real credit card, only they presented the information in a light unfavorable for the client. Bank employees call such a card a gift card simply because it is issued in your name as a gift from the bank, that is, without your request. This is where the "gift" of the plastic card ends and a long period of payment of the loan and the interest accrued on it begins.

Therefore, be careful when receiving any kind of gifts from the bank, not all of them give joy. The amount on a real prepaid card cannot exceed 15 thousand rubles, and if a much larger limit of funds is available to you, then this is an occasion to think about it. Carefully read all the attached brochures and do not buy into the nightingale trills of bank employees.

Since January 1, 2015, Sberbank gift cards have ceased to be issued. Sberbank claims that the program has been temporarily suspended, but so far the sale of prepaid cards has not resumed.

Alternatively, you can issue. These are instant issuance cards, without the owner's full name on the front side, which can also be replenished in any way and presented to anyone you want. These cards are valid for 3 years and there is no service fee.

Basically, many banks issue gift cards for some holidays, for example: New Year, May 9 or March 8. Most often, such cards are taken by people who do not know what to give to their relatives and friends. A gift card is a great option for many to please their loved ones on the day of their holiday. So is there a VTB 24 bank gift card or not?

Gift cards VTB 24

Does such a card exist in VTB 24?

In fact, at the moment there are no special cards yet, and they usually begin to be issued well in advance of the holiday - most often a month before the scheduled date. But there is a huge selection of other gift cards that can also surprise the person you give it to.

Most often, a gift card is no different from an ordinary plastic card. But it has a certain amount of money, and you can also use it to make various purchases in any store or supermarket.

So what is a gift card? This is the same credit or debit card, which has in addition a bunch of bonuses and privileges that the card client will enjoy. Your task is to issue and issue this card, and later give it to your loved one, who will be happy with such a gift.

What gift cards can be given?

Here you can choose either by card class or by purpose. There are, as you already understood, three types of cards: classic, gold and platinum. Depending on the choice of a particular card, the maximum amount and privileges on it will change.

VTB 24 classic gift card

Very common among many and everyone can afford it. For all its simplicity, it comes with some pretty big perks and a nice package that your loved one will love:

• The maximum credit limit is 300,000 rubles.
• Maintenance fee - 75 rubles per month.
• With a monthly turnover on this card from 10,000 rubles, a monthly service fee is not charged.
• SMS banking and Internet banking for 60 rubles per month

VTB 24 Gold Gift Card

This card already has a higher status, as well as higher usage privileges. This card will please any person well, as it is real gold among many plastic cards:

• The maximum credit limit is 750,000 rubles.
• Maintenance fee - 800 rubles per month.
• If the monthly turnover on this card is from 25,000 rubles, then the monthly service fee is not charged.
• bonus program
• Cashback up to 5%

VTB 24 Platinum Gift Card

This card has the highest privileges among many. Most importantly, this card will suit you well on any trip, and you will be able to pay for goods and services anywhere in the world. There are also a huge number of advantages when using this card:

• The maximum credit limit is RUB 1,000,000.
• Maintenance fee - 2000 rubles per month.
• With a monthly turnover on this card from 65,000 rubles, a monthly service fee is not charged.
• SMS banking and Internet banking are connected free of charge
• It is possible to open three accounts at once: rubles, dollars and euros.
• Availability of a fairly wide insurance package for customers
• Extensive bonus program

What is a VTB 24 multicard?

This card is also a gift card that combines several gift cards at once: an impression card, a collection, an auto card and a world map. VTB 24 Bank decided not to issue these cards anymore, but to merge everything together and make a multicard that combines the pros and benefits of all these gift cards at once:

• When you pay for lunch at a restaurant or gas at a gas station, you get 10% cashback
• For any other purchases, you get 2% cashback, which is more than other cards.
• There is a choice to receive miles and bonuses for any purchases that you can later exchange for gifts.
• If you choose a debit card, you can open a savings account with a 10% savings program. You can also set up automatic replenishment of this account for any amount.
• When choosing a multi-credit card, you will receive 1,000,000 credit limit.
• You can withdraw quite large amounts up to 150,000 rubles at a time at any VTB 24 ATM
• With a certain turnover of funds, you receive free card maintenance.
• Connected SMS notification for all card transactions.

Conclusion

If you are puzzled, what to give your loved ones for their birthday? If you have already run around all the shops in search of the right gift? If you are already desperate? - That VTB 24 gift card is your savior and joy for the one to whom it will be presented. If you still have questions about gift cards, then call the free hotline at 8 800 100 24 24.

Money is the best gift, especially if you don't know what to give. Financial institutions make this gift even more interesting. In the article we will talk about what gift bank cards are, how to use them and which banks offer.

What is a gift card? This is an ordinary plastic carrier, on which a fixed amount is paid in advance. As a rule, it is impossible to replenish such cards in the future, since a separate nominal bank account is not opened for them. You can issue such a product in some Russian banks, which we will discuss later.

Gift Card Features

It should be noted that the gift bank card is not personalized, that is, absolutely anyone can use it. No documents are required for registration. Funds are deposited upon registration, the denomination is set in certain ranges or determined by the client (depending on the conditions of the bank). Such a plastic carrier has all the standard payment details: number, expiration date, CVV/CVC code. On it you can:

• pay for any purchases in retail chains;
• pay for services;
• order something on the Internet;
• pay in restaurants, etc.

Gift cards cannot:

• send a money transfer to another account;
• withdraw cash.

The validity period is determined by the conditions of the financial institution where the card was issued. Additionally, participation in promotions and special offers from payment systems and bank partners may be provided.

Russian Standard Bank"

NOTE. The bank offers both regular and virtual gift cards. In the second case, the client simply receives details that can be entered when paying for goods and services on the Internet. Below will be a description of only the usual offer with the release of plastic media.

Russian Standard Bank issues gift cards in several versions. In the review, we will consider the classic and premium options. Key Features:

1. Denomination An ordinary card can be purchased with a face value of 1000, 3000, 5000, 10,000 or 15,000 rubles; premium - up to 600,000 rubles.
2. The validity period of a classic plastic carrier is determined on an individual basis, a premium one is 1 year.
3. The cost of issuing the classic version is 100 rubles. when ordering on the website (+ delivery by mail 80 rubles), 150 rubles. when registering at a branch of the company, 50 rubles. when buying at a partner store (+ additional outlet commission). The cost of the premium card is fixed and amounts to 1000 rubles.
4. Where to get. You can issue a standard gift option through the website, as well as in the office and at partner outlets, the premium one - only at the bank.
5. Additionally. Holders of such cards can also receive discounts in Russian Standard partner stores. You can check your account balance on the site.

Please note that the purchase of the premium option is possible only with the presentation of a passport, as large amounts are credited. However, the plastic carrier is also unnamed and can be used by anyone.

Advantages and disadvantages

Key features and benefits of this offer:

• variety of options and denominations;
• the ability to issue a card in several ways;
• opportunity to receive discounts.

The main drawback is the impossibility of crediting an arbitrary amount. In addition, there is no single information on the validity of the card.

Bank opening"

One of the largest private financial institutions, Otkritie Bank, offers instant issuance of gift cards. Conditions:

1. The denomination is set by the client, there are no restrictions.
2. Validity - 1 year.
3. The registration fee is 100 rubles.
4. Where to get: only at the branch of the bank.
5. Additionally. There are no discount programs or special offers.

NOTE. The offer is valid only for regions and cities in which there are branches of Otkritie Bank. Such plastic carriers are not delivered by mail or courier.

Advantages and disadvantages

The main advantages of cards of this type from Otkritie Bank:

• the possibility of replenishment for an arbitrary amount;
• long and fixed duration;
• small commission fee.

The main drawback is the geographical limitation of the offer, since the company does not yet operate in all cities of the Russian Federation.

Bank "Gazprombank"

Gift cards from Gazprombank are issued in a special package. Documents are also not required for their registration, but for use, a signature on the back and the introduction of a pin code (issued along with a plastic carrier) are required. Offer features:

1. The denomination is determined by the client, there are no restrictions.
2. Additionally. A free SMS-informing service is connected for the entire period of validity.

The SMS notification option is connected separately.

Advantages and disadvantages

The advantages of the Gazprombank proposal are:

• no restrictions on the amount of replenishment;
• low commission cost;
• free SMS notification service for all transactions.

But the disadvantage here is the same as one of the proposals above - there is no clearly established expiration date.

Bank "Promsvyazbank"

Issues gift cards with different designs. Other features:

1. Denomination: 1000, 2000, 3000, 5000, 10,000 or 15,000 rubles.
2. The validity period is determined on an individual basis, fixed on the card.
3. The cost is 100 rubles.
4. Where to get: only at the bank office.
5. Additionally. It is possible to receive discounts from partners.

Discounts and privileges can be viewed at the link.

Advantages and disadvantages

Advantages of the card from Promsvyazbank:

• variety of denominations;
• low production cost;
• the possibility of obtaining additional benefits in the form of discounts.

Flaws:

• inability to credit an arbitrary amount;
• lack of clear deadlines.

Bank "MTS-Bank"

MTS-Bank also has its own kind of gift cards, which are issued in beautiful packaging, and therefore are great as a present. Their key features include the following:

1. The cost of registration is fixed, it is 50 rubles.
2. The maximum card balance limit is 15,000 rubles, the minimum is 1,000 rubles.
3. The maximum validity period is 12 months.

Advantages and disadvantages

The benefits of these prepaid cards include the following:

1. Possibility of replenishment (and, as a result, use as a regular bank card).
2. The possibility of registration at any office of MTS-Bank.
3. Beautiful gift packaging.
4. The ability to use for any type of non-cash payments, including in online stores.

The disadvantage is the impossibility of using the card abroad.

CONCLUSION. So which bank card as a gift is in the lead? The most advantageous offer from those considered is a plastic carrier from Promsvyazbank. For the same cost of registration, it offers more denominations and design options, in addition, there are programs for additional benefits. However, if you want to replenish your account for a different amount, then it is better to stop at Otkritie Bank or Gazprombank if there is no first in your region.

Another festive time is approaching - St. Valentine's Day, February 23 and March 8, which means that it is necessary to choose gifts for loved ones again. But what if you don’t have time to find the right gift, but you just don’t want to give money? Give a Gift Card! But not in a specific store, but all at once! Yes, there are such cards, and you can buy them in banks!

What are the advantages of a gift card?

A bank gift card does not visually differ from any store gift card - the same plastic, though not with the store logo, but with the bank logo, the face value of the card is also indicated on the front side, and on the back there is a magnetic stripe.

But, the advantage of a gift bank card is that, among other things, it performs the functions of a regular card - it is accepted to pay for goods and services in any shops and cafes, on the Internet, and you can even withdraw money from some cards! Therefore, by presenting such a card, you give its owner the widest choice - he will be able to buy any product in the store (of course, within the face value of the card), spend money on any entertainment, or simply take it off. Moreover, it is not necessary to spend the entire amount at once, you can make purchases for a part of the amount, and use the remaining amount another time.

Where and how to buy?

You can buy a gift card at Petrocommerce Bank, Gazprombank, Sberbank, AK Bars and some other large banks. At the same time, Russian Standard provides an opportunity to purchase a card not only directly in its branches, but also order it via the Internet or even buy it at partner outlets.

No documents are required for the purchase. All you need is the required amount of money, equal to the face value of the card plus the commission for issuing it.

Depending on the bank in which you will buy such a card, the face value of the card can be fixed, for example, a card for 1,000 rubles, or the face value can be arbitrary, but not more than 15,000 rubles in both cases. Such a restriction on the maximum face value of the card is imposed by Russian law, since the cards belong to an unidentified user (during its registration, a passport is not presented, a bank account is not opened).

What is the price?

Banks are taking a different approach to pricing when issuing gift cards. Someone assigns a fixed cost, someone - a percentage of the face value. For convenience, we have summarized the data on prepaid cards in a tabular form.

	Payment system		Functional	Card issue fee
Russian standard			Payment for goods and services on the Internet	100 rubles at a bank branch or on the Internet 50 rubles at a point of sale (some outlets may charge an additional commission)
Petrocommerce		Any up to 15,000 rubles		100 rubles
Gazprombank		Any up to 15,000 rubles		100 rubles
Sberbank		Any up to 15,000 rubles		100 rubles
Fia Bank (only in Samara and Togliatti)	NCC (National Credit Cards)	Any up to 15,000 rubles	Cashless payment for goods and services Cash withdrawal	1% of the deposited amount, but not less than 100 rubles.

Other important conditions

For the most part, gift cards cannot be recharged, although, for example, special rechargeable gift cards can be purchased at AK BARS.

The validity of such cards is limited - no more than 1 year (indicated on the front side of the card).

The card can be re-gifted an unlimited number of times.