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MasterCard Gold & MasterCard Standard MTS Debit Cards

A convenient way to pay and a profitable way to communicate.

A MasterCard international card that generates bonus points under the MTS Bonus program.

  • Earn bonus points (MTS Bonus) with every purchase made using your card
  • Discounts and special offers from the MasterCard payment system
  • Issue of additional bank cards
  • Card issue within a salary project

By making a payment with your MTS MasterCard, you earn bonus points under the MTS Bonus program. You can exchange earned points for anything in the Reward Catalogue: text messages, MMS, conversation minutes, ringtones or a data bundle. You can check your bonus account balance on your MTS subscriber personal profile.

For full information on MTS Bonus program participation rules go to or apply at the MTS OJSC Contact Centre by dialing 8-800-333-08-90.

Earning bonus points

  • MTS MasterCard Standard: 300 bonus points upon the first purchase using the card and 1 bonus point for every RUB 30 or USD 1 / EUR 1 spent using the card.
  • MTS MasterCard Gold: 600 bonus points upon the first purchase using the card and 1 bonus point for every RUB 30 or USD 1 / EUR 1 spent using the card.
Payment system:MasterCard
Currency of card account:RUB, USD, EUR
Card effective period:3 years
Service fee:RUB 900 / USD 35 / EUR 35 (Standard), RUB 3500 / USD 120 / EUR 120 (Gold) per year
Electronic chip protection:yes
Issue of additional bank cards:yes
Overdraft limit:no
Issued as part of a payroll card programme:yes

Requirements for the customer:

  • a citizen of the Russian Federation;
  • above 18 y.o. — for the main card (for Electron/Maestro — above 14 y.o.) and above 10 y.o. — for additional cards (with consent of a legal representative);
  • permanent residence within the Russian Federation.

The Bank may decide to issue a card to non-residents of the Russian Federation and persons with no permanent residence on an individual basis.

To receive a card:

  1. fill in the application form or visit an office;
  2. present your Russian passport;
  3. sign the required documents (in the event of a remote application all documents shall be presented/signed upon receipt of the card).

The application shall be processed within 2 business days, whereupon you will be informed of the Bank\'s decision.

  • Account management and money transfer via Mobile Bank and Sberbank Online remote services.
  • Thank You from Sberbank bonus program.
  • Discounts and special offers from Sberbank partners.
  • Discount and special offer programs from the Visa international payment system (
  • Emergency cash withdrawal in case of card loss abroad.
  • Autopayment
  • Secure online transactions
  • Cashless transfer (debiting, transfer) via ATMs and self-service terminals

MasterCard Gold cardholders may also enjoy:

  • MasterCard Premium discount program for premium cards (
  • Cashless payment for goods and services both in Russia and abroad
  • Online payment for goods and services
  • Cash withdrawal via ATMs both in Russia and abroad
  • Payment and transfer via Mobile Bank and Sberbank Online
  • Payment and transfer via Sberbank ATMs and terminals
  • Payment transactions using bank card details (by e-mail or on the phone)
  • Card account replenishment by cash or cashless settlement (transfer to a card)
  • Linking the card to Paypal, Qiwi etc.
  1. Transfer of funds from a Sberbank of Russia debit card:
    - via the Internet using Sberbank Online;
    - via mobile phone using Mobile Bank;
    - via ATMs or payment terminals of Sberbank of Russia.
  2. Cash crediting to a card account via Sberbank of Russia ATMs with cash-acceptance option.
  3. Cashless transfer to a card account from other accounts, including via third-party banks.

    You need to specify bank details of Sberbank of Russia to make a cashless transfer.

    You need to specify bank details of a servicing Sberbank office to replenish your debit card account.
    Indicate the following information in the purpose of payment:

    - customer\'s surname, name, patronymic (in full)
    - card number
    - account number.

    Important: the funds will be credited to the account on the next business day at the latest after the funds are received by the Sberbak of Russia office.

  4. Money transfers to Sberbank MasterCard and Visa using MasterCard MoneySend ( ) and Visa Payment and Transfer (

    MasterCard MoneySend ( and Visa Payment and Transfer ( are a convenient and fast way to replenish a Sberbank card account by cash settlement or cashless transfer from MasterCard® or Visa cards (of other banks) to your Sberbank card within the same payment system. The services are available via ATMs, Internet, mobile phones and self-service terminals that support the service (owned by any company).

    You need to know only the recipient\'s card number to make a transfer.

    How to transfer funds to a Sberbank card:

    For MasterCard — download MasterCard Mobile application (for iPhone/iPad) to your mobile phone or visit, register your MasterCard and, following the guidelines, transfer the funds.

    For MasterCard and Visa — via ATM or self-service terminal that support this service:

    - insert your third-party bank card in the ATM card receiver
    - following the screen prompts, enter the Sberbank card number (within the same payment system) and the amount to be transferred
    - confirm the transfer.

    Cash transfer is available via ATMs with cash-acceptance option owned by banks listed on the respective service webpage.

    Important: it takes from 2 minutes to 3 days for the funds to be credited to an account.

  5. Card account replenishment by a Sberbank operative at a Sberbank office:

    - using the card number: all you need is to specify the card number and present your passport.
    - to a card account (in RUB only): you need to specify the bank details of the regional bank of Sberbank of Russia that issued the credit card and the account number to be replenished.

    Note! You can always receive the information on transactions and the total balance of Sberbank cards:

    - by regular mail or e-mail (as you choose) — the Bank will provide a monthly card statement;
    - by a text message sent to your mobile phone via Mobile Bank;
    - via Sberbank Online — you can independently generate a card statement for the period that interests you;
    - via the contact centre of Sberbank of Russia.


Card Locking in Case of Loss