Every year in Russia, thousands of children face such a terrible disease as cancer. The Sberbank Gift of Life card is a unique product on the market. It was developed by the bank together with the charitable foundation of the same name. Debit and credit card holders finance the fund, which then provides financial support to sick children.
The “Gift of Life” charity project was created in 2006. But Sberbank did not stop there and decided to support the noble cause. This is how the emission of “plastic” with the same name began.
On its front side there are drawings of sick children whose treatment is paid for using the collected funds.
Owners of “Give Life” cards will also help them using them for payments. Sberbank transfers 0.3% of the amount spent by the client on purchases to the details of the charitable foundation.
50% of the commission for the first 12 months of servicing the “plastic” will also go to this account. The client performs standard operations for himself and helps sick children.
“Gift of Life” program at Sberbank
Depending on their needs, the client chooses the offer that fully suits them.
For credit cards, the amount of donations is determined taking into account the funds spent in the retail chain. For the “Gift of Life” deposit, the bank transfers 0.3% per annum of the amount of the deposit to a charitable foundation. Sberbank transfers funds to the fund every three months. A deposit can be opened in an amount of 10,000 rubles for one year.
Terms and rates
When choosing a product, the client primarily focuses on the current tariffs and the benefits that it gives them. It is necessary to take into account not only the interest rate, but also various commissions.
Credit card
The terms and conditions of this product are as follows:
- The maximum limit for regular clients of Sberbank is 600,000, and for borrowers “from the street” – 300 thousand rubles.
- The duration of the grace period is 50 days. It applies only to non-cash payments.
- Interest rate -27.90% per annum.
- Issue of additional cards is not provided.
- Account maintenance fee – 900 rubles. annually.
- The commission for cash withdrawals from ATMs and Sberbank cash desks is 3%, minimum 390 rubles; at ATMs of other institutions - 4%, minimum RUB 390.00.
- Viewing balances at ATMs of other banks – 15 rubles for each request.
- “Gift of Life” is issued in two classes: Visa Classic and Visa Gold. The latter is more expensive; 3,500 rubles are charged annually for account maintenance.
All credit card holders take part in the “Thank You” bonus program. For payments in the trading network, they receive points to their bonus account. In the future, they can be used to pay for goods in partner stores.
Debit card
“Debit” also comes in two types: classic and gold. They are served at the following rates:
- The cost of annual service for Visa Classic is 1000 rubles, Visa Gold – 4000 rubles is written off in the first year, and from the second year – 3000 rubles.
- Cash withdrawals from Sberbank ATMs are commission-free, and from third-party banks – 1%, minimum 100 rubles.
- No interest is charged on the remaining balance.
- Debit card holders receive up to 5% cashback.
All payments are absolutely safe, since an electronic chip is installed on the plastic and 3D Secure technology is used.
Requirements for holders
A debit card can be issued by a citizen who has reached the age of majority. This is the only requirement for clients.
Individuals aged 21 to 65 can receive a credit card. Work experience at the last place of work is at least 6 months, and the total work experience is at least one year.
How to apply and receive?
To issue a credit or debit card, the client must personally visit the branch and provide his civil passport. No other documents are needed. Your credit card application will be reviewed within 1-2 days. If the decision is positive, then the borrower needs to sign the agreement.
The payment card is issued within 10 days. After handing it over to the client, you need to activate it. To do this, just insert the card at ATMs and enter the PIN code correctly. After successful completion of the operation, you can pay for purchases in the retail network and withdraw cash.
Card production time
In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working days. Delivery to remote locations may take up to 15 business days. Exact dates are available.
When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.
You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.
What documents are required to receive a card?
To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.
How to start receiving THANK YOU bonuses?
After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.
Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.
It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.
How can I use THANK YOU bonuses?
THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.
How can I find out my card details?
To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.
Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.
Is it safe to use a contactless card?
Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.
Not long ago, Sberbank of Russia presented citizens with a new exclusive project - the Sberbank “Gift of Life” card. Its essence lies in the fact that now holders of a certain type of plastic cards will be able not only to use them as usual, but also to take part in charity. provides assistance in providing financial support to children suffering from serious illnesses.
The program was developed jointly with the famous charity fund “Give Life” and with the participation of the Visa payment system. Read all the details about this project in this material.
Sberbank program “Give Life”
The difficult economic situation in the country and the high cost of many vital medications force citizens with seriously ill children to turn to Charitable Foundations for help. Such structures are financed through donations from large businessmen, private entrepreneurs and simply caring people. The largest bank in the country, Sberbank, also decided to contribute to the cause of charity.
In 2017, the organization began producing plastic products called “Give Life.” Part of the funds from the use of which goes to the account of the charitable foundation of the same name. The transferred money is sent to children in need of expensive and complex treatment.
All interested adult Russian citizens who have issued one of the following cards from Sberbank can take part in this promotion:
Debit “Give Life”. They are represented by VISA types:
- Classic,
- Gold,
- Platinum.
Credit cards “Gift of Life” are issued in two VISA versions:
- Classic,
- Gold.
Detailed reviews of each of these products follow.
Types of Sberbank cards “Give life”
As part of the Gift of Life charity project, Sberbank issues debit and credit cards. The product supports the Visa payment system. The cards have a unique design. These are drawings of children with cancer who are being treated with financial support from the sale of plastic products from the largest bank in Russia.
In practice, this is done as follows - 50% of the cost of annual card servicing in the first year of use is transferred to the assistance fund. Children also receive 0.3% of each purchase made by a client using the Give Life card.
Debit
“Give Life” debit cards are represented by products Visa Classic & Gold And VISA Platinum. They differ in the cost of service, terms of provision and size of bonuses.
Let's look at the main characteristics of this product:
Visa Classic & Visa Gold:
- This is a universal payment instrument designed to pay for goods and services on the Internet at stationary points of sale.
- Issued for a period of 3 years (read about how to reissue a card in the article:).
- Service cost:
- Using the classic product will cost the client 1,000 rubles for the first 12 months and 450 rubles. in subsequent years.
- Gold plastic will cost 4,000 rubles. initially, and then 3000 per year.
- Bonuses from “Thank you” are:
- 5% when spending in stores and salons - partners of the bank,
- 1% when paying in restaurants and cafes.
- Cards are available for registration to individuals over 14 years of age (for Classic), and over 18 years of age (for Gold).
Visa Platinum– a card for daily spending.
- Available with an exclusive design - images of patients.
- Available for up to 36 months.
- The service price for the first year is 15,000 rubles. Further, the cost will be reduced to 10,000 rubles.
- The card gives the user many privileges, including the opportunity to use medical services while traveling.
- Russian citizens over 18 years of age can apply. The "Thank you" program is also connected.
Credit
“Gift of Life” loan products are presented in two versions:
Classic Visa is a profitable credit card that supports contactless payment technology. Its main characteristics:
- currency - rubles;
- validity period - 3 years;
- service price - 900 rub. in year;
- limit – from 300,000 to 600,000 rubles;
- interest rate - 23.9% - 27.9% per year;
- grace period - up to 50 days.
Visa Gold credit card – provided under the following conditions:
- period of use – 36 months;
- operating cost - 3.5 thousand rubles. in year;
- credit limit - 600,000 rubles;
- annual percentage - 23.9% - 27.9%;
- preferential loan period - 50 days.
Both types of cards are connected to the “Spasibo” bonus program and are provided to Russian citizens aged 21 to 65 years.
Fifty percent of the cost of the first year of service for all types of Gift of Life plastic products is donated to the fund for children with serious illnesses. Next, from each customer purchase, 0.3% is donated to charity.
Sberbank has launched an unusual banking project for its clients - “Give Life”. It is a collaboration with the charitable foundation of the same name, the contributions of which are transferred to the needs of children who require financing for the treatment of complex diseases. The Sberbank “Gift of Life” card provides an opportunity to participate in the financing of the fund, as well as provide assistance and support to sick children. Thanks to them, children who suffer from hematological, oncological or other diseases receive regular assistance in the form of medications and care.
Features of the “Give Life” card in Sberbank
Of the entire list of plastic cards, the “Gift of Life” series of cards is the only one that participates in the financing of a charitable foundation. A special feature of the card is that, regardless of its type, 0.3% of each purchase goes to the Gift of Life charity foundation, thanks to which card holders help children fight serious illnesses.In addition to the features described above, the plastic card has all the main characteristics inherent in Sberbank debit cards. Also, the card holder can accumulate bonus points with each non-cash payment for goods or services in. With bonus points you can return from 0.5 to 20% of the money spent, depending on the partner store. For the points accumulated on the bonus account, you can subsequently receive taxi rides, various, as well as.
Debit cards “Gift of Life”
To date, Sberbank has presented 3 types of “Give Life” debit cards: Classic, Gold, and Platinum. Depending on the type, cards differ in the cost of servicing, as well as the limit for withdrawing funds from self-service devices and bank cash desks. Debit cards, including salary cards, are issued through the Visa payment system.Classic card “Give Life”
- The cost of annual maintenance is 1000 rubles for the first year, and 450 rubles for the second year and beyond;
- The cost of servicing an additional card is 450 rubles for the first year, and 300 rubles for the second year and beyond;
- The card is valid for 3 years;
- Payment system - Visa;
- Unscheduled reissue of the card - 150 rubles;
An SMS notification service is also available for cardholders. To use this service, you need to connect to the service. The service allows you to control accounts, as well as carry out payment transactions and transfers using. The first two months of using the package will be free, after which a fee of 60 rubles per month will be charged. If the use of SMS operations is not implied, then you can switch to the tariff, the service of which is free.
Gold card “Give Life”
- The cost of annual maintenance is 4,000 rubles for the first year, and 3,000 rubles for the second year and beyond;
- The card is valid for 3 years;
- Payment system - Visa;
- Contributions to the Gift of Life fund - 0.3% of the purchase amount + 0.3% from Sberbank, and 50% of the cost of the first year of service;
- Scheduled reissue of the card is free;
- Checking the balance and receiving statements of funds from the card in other banks - 15 rubles per request.
- The cost of annual maintenance is 15,000 rubles for the first year, and 1,0000 rubles for the second year and beyond;
- The cost of servicing an additional card is 2,500 rubles for the first year, and 2,500 rubles for the second year and beyond;
- The card is valid for 3 years;
- Payment system - Visa;
- Contributions to the Gift of Life fund - 0.3% of the purchase amount + 0.3% from Sberbank, and 50% of the cost of the first year of service;
- Planned - free;
- Unscheduled reissue of the card - free of charge;
- Checking the balance and receiving statements of funds from the card in other banks - 15 rubles per request.
Visa Classic credit card “Gift of Life”
- Card validity period: 3 years;
- : up to 300,000 rubles as part of a mass offer, and up to 600,000 rubles as part of a personal offer;
- Bonus programs: from the Visa system and “Spasibo” from Sberbank;
- Deductions to charity: 0.3% of the purchase, as well as 50% of the annual service fee;
- Interest rate: 23.9% - 27.9% (set personally);
- Interest-free period: 50 days;
- Card validity period: 3 years;
- Credit limit: up to RUB 600,000;
- Bonus programs: from the Visa and ;
- Application approval process: about 2 days;
- Deductions to charity: 0.3% of any purchase, as well as 50% of the annual service fee;
- Receipt of cash: 3% (more than 390 rubles) - in ATM devices and PVN of this bank, as well as 4% - in devices and PVN of third-party organizations.
Conclusion
The unique conditions of the Gift of Life program provide the possibility of stable financial contributions for seriously ill children. In addition to donations from the deposit and the Gift of Life card in Sberbank, which are carried out on a voluntary basis, Sberbank also transfers half of the total amount of its income (50% of the annual service fee). The money collected in this way is distributed by the curators of the fund among those children who urgently need help.Updated: April 2019
Sberbank’s “Give Life” co-branding cards are payment cards developed in connection with a charity program to help children with cancer.
Their release was the result of a project of interaction between the companies: the charitable organization “Gift of Life” and Sberbank of Russia.
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Credit and debit cards with this program are issued in the Visa Gold and Classic categories.
By paying with their help, cardholders have the opportunity to automatically transfer donations to the needs of seriously ill children.
Give life - what is it?
Implementation of charitable assistance using special “Give Life” cards from Sberbank happens as follows:
- When paying for goods in a store or online, the card holder transfers 0.3% of the total transaction amount to the Gift of Life fund from the funds available on the balance.
- In turn, Sberbank of Russia transfers from its income to the fund’s account 50% of the subscription fee for card services for the first 12 months.
Terms and rates
Co-branded cards of Sberbank “Gift of Life” offer different possibilities of use depending on the type.
Credit card
| Category | Validity | % on loan | Credit period | Credit limit | Fee for issuing funds | |
|---|---|---|---|---|---|---|
| Classic | 3 years | From 23.9%* to 27.9% | 50 days | 150 thousand rubles** | From 0* to 900 rub. | |
| Gold | 3 years | From 23.9%* to 27.9% | 50 days | 300 thousand rubles**. | From 0* to 3,500 rub. | 3% of the amount (minimum 390 rub.) |
* The condition is provided in the case of a personal offer with an individually agreed upon financial limit.
** The amount of the credit limit can be changed upon individual request.
Debit card
| Category | Validity | Currency | Payment acceptance fee | Daily limit on issue | Annual maintenance cost | Fee for issuing funds |
|---|---|---|---|---|---|---|
| Classic | 3 years | Rubles | 150 thousand rubles** | 1000 rub./first year, 450 rub. – subsequent years | ||
| Gold | 3 years | Rubles | No commission/1.25% in other banks | 300 thousand rubles** | 1000 rub./first year, 3000 rub. – subsequent years | No commission/0.5% of the amount exceeded the limit |
Requirements for holders
To obtain a Visa Classic and Gold credit card from Sberbank Clients must meet the following requirements:
- Be citizens of the Russian Federation aged 21 to 65 years.
- Have permanent or temporary registration in any subject of the country.
- Over the past 5 years, have at least 1 year of total work experience, while officially working for the last 6 months in the same company.
As a main debit card, Visa Classic can be issued to clients over 14 years old, Visa Gold – over 18 years old.
As an additional child card, a debit Visa and Gold can be issued for children from 7 years of age with the consent of their parents (guardians, representatives).
How to apply and receive?
It’s easy to get a Gift of Life debit card - to do this, the client needs to contact any Sberbank branch with an identification document (Russian citizen’s passport, birth certificate) and fill out the application suggested by a specialist.
Credit card “Gift of Life” Visa Classic of Sberbank is issued at a bank branch based on the presented package of documents:
- Passports of a citizen of the Russian Federation.
- Certificates of income from employment in form 2-NDFL.
- Statements on the level of pension accruals (for pensioners)***
- Extracts or copies of the work book with records of the last place of work for six months.
*** If the pension is calculated through Sberbank, you do not need to take a separate certificate.
The application form signed at the bank branch along with the attached documents is reviewed within 2 business days.
Based on the results of the decision to issue a credit card, the client will be notified.
Let us add that the “Give Life” card can also be issued online on the Sberbank website itself, both for registered users and for those who have not yet created an account with it.
Bank clients who have deposit accounts opened with it and receive salaries and pensions via debit card have the opportunity to receive credit cards on special preferential terms.