Every year in Russia, almost 5,000 children are given a terrible diagnosis - cancer. His treatment requires considerable sums, which are beyond the power of many parents. The Gift of Life card of Sberbank is a unique product. Debit and credit cards of this type participate in the charity program of the same name. Give Life is a charitable foundation created in 2006 that helps children with cancer, hematological and other serious diseases that require serious and expensive treatment. A leading Russian bank has decided to support a noble cause. As a result, banking products with the corresponding name appeared.
For the design of the card, drawings of seriously ill children were used, for whom the foundation provides support and pays for treatment. Choosing this banking product is your gesture of goodwill. In addition, this is a huge, almost daily help to a specific child suffering from cancer, hematological or other diseases. Such diseases are difficult to cure, drugs that help are expensive, and without the help of people who are ready to lend a helping hand, it would be impossible to help these little patients. Remember that by choosing any existing Give Life program, you are bringing a particle of help into a noble cause - saving the lives of sick children.
As part of cooperation with the fund, the banking institution has released the following banking products:
- Credit card;
- Debit card (individual and within the framework of salary projects);
- Contribution.
Participation in any of their programs guarantees assistance to sick children. It doesn't matter if you use a card or want to increase your savings by placing funds on a short-term deposit. All deductions coming to the non-governmental donation fund will be distributed among the little patients in need of treatment.
You can get any information about the fund's activities and view the report by clicking on the link: http://www.podari-zhizn.ru/main.
Debit card
Debit cards (including salary cards) under this program are issued using the international payment system Visa (Classik or Gold). How does the Sberbank card Give life work?
The terms of service are pretty simple:
- Annual service cost: Classik -1000 rubles (subsequent years - 450 rubles), Gold - 4000 rubles;
- Cash withdrawal: no commission at our own ATMs, payroll within the daily limit;
- Privileges: all bonus programs, including Thank you and provided by the international payment system Visa (for the Gold product, an increased amount of Thank you is provided);
- Receiving cash abroad: at subsidiary branches of the bank - without changing the conditions;
- donations-deductions: 0.3% from each purchase paid with plastic and 50% from the bank's own funds received as an annual service fee from the client.
As you can see, everyone who has made a deposit with Sberbank, Give Life, pays interest to the fund once every three months, and the owners of bank cards help children by using this type of plastic in everyday life to pay for purchases.
The design of the card is evidence of your concern for seriously ill children. Credit card
A citizen of the Russian Federation aged 21 to 65 can apply for a gift of life. It is issued to borrowers with permanent registration in the Russian Federation and work experience in the last place for at least six months at the time of contact (with a total work experience for the last 5 years of at least 1 year). The annual maintenance fee for the credit card is:
- RUB 900 for Visa Classik (free for customers who have received a pre-approved offer);
- up to 3.5 thousand rubles. for Visa Gold (determined individually).
A credit card is issued on the following conditions:
- Validity: up to 3 years;
- Interest rate: from 23.9% to 27.9% (determined individually);
- Credit limit - up to 300 thousand rubles. (within the framework of a personal offer - up to 600 thousand rubles);
- Bonus programs: "Thank you" and all the benefits of Visa payment system programs;
- Cash withdrawal: 3% (not less than 390 rubles) in our own points of sale and ATMs, 4% - in third-party terminals and points of sale;
- Approval: within 2 days;
- Grace - period: up to 50 days;
- donations: 0.3% from each purchase paid with plastic and 50% from the bank's own funds received as an annual service fee from the client.
Having issued a credit card, you get help in the form of credit funds and can help sick children with your deductions. Terms of deposit
The Podari Zhizn deposit in Sberbank belongs to the urgent category. It is designed for 1 year, while the depositor has the right to early termination of the contract without capitalization of interest. The deposit does not imply replenishment and partial withdrawal, in case of early termination in the first half of the year, 0.01% per annum is charged, later (until the expiration of the contract) the owner can expect to receive interest in the amount of 2/3 of the established interest rate.
The minimum amount is 10 thousand rubles, the interest rate is 4.15% per annum (accrued once a quarter), the term deposit can be extended an unlimited number of times. Charitable contributions amount to 0.3% per annum of the investment amount and are made at the time of interest accrual (once every 3 months).
According to the terms of the deposit, 0.3% per annum of the investment amount is channeled Conclusion
If we compare the deposit and the credit card of the same program, then the contributions to the charitable fund on the deposit will occur only once a quarter and depend on the amount of the deposit. And on a credit card, deductions will take place as you use it in everyday life when paying for purchases and services. In addition, holders of any card can make a transfer of any amount directly to the fund on their own initiative, without taking into account the stipulated deductions.
Sberbank's Give Life programs involve constant financial support for sick children. In addition to voluntary donations from holders of deposits and bank plastics in the form of interest, the bank transfers half of the amount of its own income (meaning 50% of the annual service fee). The funds collected in this way are distributed among seriously ill little patients and are monitored by the curators of the fund.
Not so long ago, Sberbank of Russia presented to citizens a new exclusive project - the Sberbank card "Give Life". Its essence lies in the fact that now the holders of a certain type of plastic cards will be able not only to use them in the usual way, but also to take part in charity. is help in material support of children suffering from serious illnesses.
The program was developed jointly with the well-known Grant Life charity fund 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 essential medicines are forcing citizens with seriously ill children to turn to Charitable Foundations for help. Such structures are financed by donations from large businessmen, private entrepreneurs and simply not indifferent people. The largest bank in the country, Sberbank, also decided to contribute to the cause of charity.
In 2017, the organization launched a plastic product 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 complicated treatment.
Any adult Russian citizen who has issued one of the following cards at Sberbank can take part in this promotion:
Debit "Give life"... They are represented by VISA types:
- Classic,
- Gold,
- Platinum.
Credit "Give Life" - are issued in two VISA options:
- Classic,
- Gold.
Detailed reviews of each of these products follow.
Types of cards of Sberbank "Give life"
As part of the Gift of Life charity project, Sberbank issues debit and credit cards. The products support 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 in the following way -50% of the cost of the annual maintenance of cards in the first year of use are deducted to the aid fund. Also, children receive 0.3% from each purchase made by the client from the Gift of Life card.
Debit
Debit cards "Give Life" are represented by products Visa Classic & Gold and VISA Platinum... They differ in the cost of service, terms of provision and the amount of bonuses.
Consider the main characteristics of this product:
Visa Classic & Visa Gold:
- It is a universal payment instrument designed to pay for goods and services on the Internet at stationary points of sale.
- They are issued for a period of 3 years (read about how to reissue the card in the article :).
- Maintenance cost:
- The use of a 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 from 14 years old (for Classic), from 18 years old (for Gold).
Visa Platinum- card for daily spending.
- It is produced with an exclusive design - images of patients.
- Provided 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.
- Citizens of Russia who have reached the age of 18 can apply. The "Thank you" program is also connected.
Credit
Loan products "Give Life" 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 rubles. 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 on the terms:
- period of use - 36 months;
- operating cost - 3.5 thousand rubles. in year;
- credit limit - 600,000 rubles;
- annual percentage - 23.9% - 27.9%;
- term of concessional lending - 50 days.
Both types of cards are connected to the "Thank you" 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 Podari Zhizn plastic products is donated to the fund for children with serious illnesses. Further, 0.3% is deducted from each customer's purchase to charity.
Every year in Russia, thousands of children are faced with such a terrible disease as cancer. The Gift of Life card of Sberbank is a unique product on the market. It was developed by the bank in conjunction 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. So the issue of "plastic" with the same name began.
On its front side there are pictures of sick children, who are paid for treatment at the expense of the collected funds.
Holders of "Give Life" cards, using them for calculations, will also help them. 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 "plastic" will also go to this account. The client performs standard operations for himself and helps sick children.
Grant Life program at Sberbank
Depending on his needs, the client chooses the offer that fully corresponds to them.
For credit cards, the amount of donations is determined taking into account the funds spent in the retail network. On the “Give Life” deposit, the bank transfers to the charitable foundation 0.3% per annum of the amount of the placed deposit. Sberbank transfers money to the fund every three months. A deposit can be opened in the amount of 10,000 rubles for one year.
Conditions 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 value of the interest rate, but also various commissions.
Credit card
The conditions for this product are as follows:
- The maximum limit for regular customers of Sberbank is 600,000, and for borrowers "off the street" - 300 thousand rubles.
- The grace period is 50 days. It applies only to non-cash payments.
- Interest rate -27.90% per annum.
- Issuance of additional cards is not provided.
- Account maintenance fee - 900 rubles. annually.
- Commission for withdrawing cash from ATMs and cash desks of Sberbank is 3%, at least 390 rubles; at ATMs of other institutions - 4%, at least 390.00 rubles.
- Viewing the balance at ATMs of other banks - 15 rubles for each request.
- "Give Life" is issued in two classes: Visa Classic and Visa Gold. The latter is more expensive, 3500 rubles are debited annually for servicing the account.
All credit card holders take part in the "Thank you" bonus program. For settlements in the trading network, they receive points to their bonus account. In the future, they can be spent 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 the annual service for Visa Classic is 1000 rubles, Visa Gold - 4000 rubles is debited in the first year, and 3000 rubles from the second.
- Withdrawing cash from Sberbank ATMs - no commission, and from third-party banks - 1%, at least 100 rubles.
- No interest is charged on the balance of funds.
- Debit cardholders receive up to 5% cashback.
All calculations are absolutely safe, since an electronic chip is installed on the plastic and the 3D Secure technology operates.
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 will be able to get a credit card. Work experience in the last job is at least 6 months, and the total is at least one year.
How to register and receive?
To apply for a credit or debit card, the client must personally visit the branch and provide his / her civil passport. No other documents are needed. The credit card application will be reviewed within 1-2 days. If the decision is positive, then the borrower needs to sign an agreement.
The issue of a payment card is carried out within 10 days. After handing it over to the client, you need to activate it. To do this, just insert the card in ATMs and enter the PIN code correctly. After the successful completion of the operation, you can pay for purchases in the retail network and withdraw cash.
Terms of card production
In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days, in regions, production and delivery will take from 3 to 10 working days. Delivery to remote settlements can take up to 15 business days. Exact timing is possible.
When issuing a card, only working days are taken into account. If you order it on Friday evening, then 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, take your passport or other document that was used to apply for the card with you. To get a card for another person, you need a notarized power of attorney.
How to start receiving bonuses THANKS?
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 THANKS 1234, where 1234 are the last four digits of the card number.
You can also register in the program in your Sberbank Online personal account and at an ATM of Sberbank - find the section "Thank you from Sberbank" and follow the prompts.
Bonuses are credited automatically when paying with a 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 paying for purchases remotely in online stores, bonus Thanks are credited to the account.
How can I use THANKS 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, the THANKS bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodation (on the website "Thank you from Sberbank. Travel"). Bonuses can also be exchanged for discounts when buying tickets for events - the service is available on the site "Thank you from Sberbank, Impressions".
How can I find out the details of my card?
To find out the details, in the Sberbank Online mobile application find the card you need and click "Show details".
Another way: in your Sberbank Online personal account, go to the "Cards" section and find the card you need, then "Information on the card" → "Details of the transfer to the card account".
Is it safe to use a contactless card?
Yes, the card is safe. She is always in the hands of the owner, so her data remains inaccessible to fraudsters. Making purchases without presenting a card and entering a PIN is much safer, since no one can see the card details. In addition, contactless technology protects against double write-offs - after paying for the purchase, the terminal beeps and turns off automatically.
Russian Sberbank, together with the well-known domestic charity fund "Give Life" with the support of the well-known VISA payment system, presented Russian citizens with a special card, thanks to which clients can save children suffering from various serious diseases. When the Sberbank Podari Life card is used for personal needs or for purchases, a small amount is transferred to the children.
The design of the card includes drawings of boys and girls whose lives depend on donations. Children have created beautiful drawings where they are next to their loved ones. The background symbol is a drawing of a golden sun, drawn by a girl named Dasha. This sun is the hope for a happy future, where children will surely not face pain and suffering.
What is the essence of the program
The above charitable foundation was founded about 10 years ago. Its main task is to help children suffering from oncological and hematological diseases. Children want to see their families again as soon as possible. And each of you has a real opportunity to help them. Sberbank card "Give Life" is designed to provide support to such children. Sberbank of Russia transfers half of the income for the annual service and 0.3 percent of the total amount of purchases made by customers directly to the fund.
What is typical for a debit card and how to get it
To fully support the charitable program, the international payment system VISA issues debit cards.
The Give Life debit card has the following terms of service:
- The 12-month service cost equals 1,000 rubles.
- The owner can withdraw cash from ATMs and not pay a commission.
- One of the privileges is the ability to use bonuses and privileges from Sberbank.
- You can withdraw cash in other countries.
- 3 percent of all purchases go to charity.
Making a Give a Life card is considered not the most difficult process. First you need to come to one of the Sberbank offices with a certain set of documents. Then you will need to fill out a questionnaire for receipt, and two days later the manager will call back and tell you what decision was made.
Moreover, the card can be issued on the terms of benefits in the event that:
- Your salary or pension is credited to the main card of Sberbank.
- You already have a debit card.
- You are the owner of a deposit in this bank.
- You make loan payments at Sberbank.
The specifics of obtaining and service features of the "Give Life" credit card
If you are a citizen of Russia between the ages of 21 and 65, then the Give Life credit card will be available for obtaining. This card can be obtained by borrowers who work for at least 6 months at a specific workplace and have a Russian residence permit. Moreover, it is necessary that over the past 5 years the work experience is at least 12 months. For a year of servicing a credit card, you will need to pay 900 rubles (Classic type). A gold card will cost 3.5 thousand rubles.
Now it is worth considering the features of servicing this card.
- It is valid for 3 years.
- The interest rate is always set individually and can range from 25.9-33.9 percent.
- There is access to the "Thank you" bonus program from the bank.
- Cash withdrawal fee - 3 percent. In third-party terminals, the percentage increases to 4.
- Each purchase transfers 0.3 percent of the amount to charity.
Terms of deposit
The deposits under the above program are short-term and are calculated for 12 months. At the same time, the bank's clients can terminate the agreement ahead of schedule without consequences. Account replenishment or frequent withdrawal of finances is not allowed. In case of early termination of the contract for the first year, the owner will receive 0.01% per annum, and then the amount will be equal to 2/3 of the previously established rate.
To activate the deposit, you will need at least 10 thousand rubles . The interest rate is 6.45 percent and is charged on a quarterly basis. There is a possibility of multiple prolongation of the deposit. 0.3 percent per annum will be donated to charity.
By the way, it is very interesting to compare the “Give Life” credit card and the deposit under the same program. In the first case, for example, funds will be transferred to the fund constantly, and in the second case only once a quarter. Moreover, the amount depends solely on the contribution. As for the credit card, the purchase amount plays a role here. In general, the owner of the deposit has the opportunity to transfer any amount on his own initiative.
Thus, the "Give Life" program was created to provide effective financial assistance to children suffering from serious illnesses, the treatment of which requires a significant amount. In addition to voluntary donations, 50 percent of the amount for a year of service is also transferred to the fund. All the accumulated funds are divided among the children in need of your support. The conditions for obtaining a Gift of Life card are more than loyal, so almost anyone can apply for it.
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