A Sberbank card with an individual design is a popular and affordable service. The bank was one of the first to offer it to its clients. We offer several options for making a Sberbank card with your own design.

To make a Sberbank card with an individual design for yourself, you need to perform a number of simple steps. But you need to carefully study the list of images that cannot be applied.

Pictures that are provocative, anti-social, promote an unhealthy lifestyle, violate copyrights, etc. will be rejected.

How to start issuing a Sberbank debit card with your own design

On the Sberbank website, it is proposed to issue an online classic card with an individual design ( payment system– VISA). This payment tool can be issued for 1250 rubles. Here 750 rubles. - the cost of issue and the first year of service, and 500 rubles. - the cost of individual design. Available issue currencies are ruble, dollar and euro.

Users have three options to issue debit card with your own design:

Choosing a design from the catalog offered on the Sberbank website. There are a variety of images of cartoon and game characters, landscapes, cats, sweets and more. To get into the catalog, you just need to click "Create a card design".

Modification of an existing design. You can change the standard version as you like: choose a new angle, “play” with the color palette, crop a classic drawing, etc.

Applying a user-suggested design. This is an option for the most creative clients of Sberbank. To implement it, there is a module for loading your own image from social networks, with mobile device or PC. To do this, select the button "Your photo" in the top line of the catalog.

Pitfalls of designing Sberbank cards with their own design

If you have not carefully studied the requirements for images on the card, then a rejection is possible. Most of the rejections are related to the use of licensed or inappropriate images. In order not to waste time, check if your individual design falls under one of the restrictions on the Sberbank website.

You can not use the actual images or visual images that are reminiscent of smoking tobacco, drinking alcohol and alcoholic beverages, making, distributing or using drugs, violence, etc.

Which Sberbank card can be issued with an individual design

It is necessary to say a few words about what kind of plastic with an ordered pattern can be obtained for 1250 rubles. It will be a "Youth" standard VISA or Master Card protected by an electronic chip. It can be issued additional cards with a standard design. It is issued to young people, even schoolchildren. Interest on the account balance is not charged.

The bonus program is called “Thank you”, and it is diverse: 0.5% is returned from all expenses, and when buying from Sberbank partners, you can return up to 10% of the funds. It is unprofitable to withdraw from other people's ATMs: 3% of the amount plus 390 rubles. "eats" the commission.

The advantages of this card are the symbolic cost of annual maintenance (150 rubles) and a profitable bonus program. Cons - the high cost of the issue, the lack of an overdraft and the accrual of interest on the balance of funds.

The Youth card from Sberbank with an individual design can be ordered from the age of 14.

Not only Sberbank: 6 alternative offers

A number of large banking institutions also offer to print the "creative" of the client on their means of payment.

Alfa-Bank card with its own design

Alfa-Bank offers to issue a so-called PhotoCard for you. This is a debit card with an individual design of MC or Visa with 7% accrual on the balance of funds (for Optimum and Economy service packages). Withdrawing your own cash is free.

There is a grace period of 60 days when granting a loan. There are bonuses and cashback from the amounts spent in restaurants, etc. SMS service is also free. For each year of service, you need to pay 699 rubles, and the very design of "plastic" with an individual design is free.

• free registration and SMS informing,
• high interest on the balance of funds.

• rather high price of annual maintenance.

Promsvyazbank card with individual design

Promsvyazbank issues only All Inclusive debit cards of the Visa Platinum type with a custom design. Its issue costs 333 rubles. for "individuality", and service in the first year - 1500 rubles. There are no accruals on the balance, but cashback for many services and purchases is from 3 to 5%.

Receiving SMS about transactions - 29 rubles. Withdrawing amounts at PSB and partner ATMs is free of charge, and at others - for 2% of the amount.

• good cashback.

• service, which is not cheap in the first year, will remain expensive later, if 50 thousand rubles are not permanently on the account.

Tinkoff debit card with custom design

Tinkoff offers to place your own image on its Tinkoff Platinum, which is famous for its really cheap service for the premium class - 600 rubles. A credit limit of 350 thousand rubles is offered. with a grace period of 55 days.

There are no accruals on the balance, and the loan rate is determined individually, from 13 to 30%. The card is connected to the bank's bonus program, which makes it very profitable: the bonus account receives 1% of all amounts spent on purchases and services. SMS reports cost 59 rubles. per month, and there are convenient applications for Internet banking. The application for the card is submitted online.

• excellent bonus program (1% return on all funds),
• online registration,
• affordable premium service.

• an expensive loan
• paid SMS-informing.

Russian Standard bank card with its own design

Russian Standard offers its classic card with a credit limit of 300 thousand rubles for an individual design. There is a cashback for spending from 1 to 5%. There are no accruals of interest on the balance of own funds, and the interest on the loan is high: up to 33.9%.

Also, the withdrawal fee can be up to 4.9%. Order through the website with readiness within 8 days.

• availability of a credit limit and cashback.

• age limit (from 25 years old),
• high interest rates on loans
• withdrawal fee.

Raiffeisenbank card

Raiffeisenbank offers not only visual, but also tactile delights. There, for a record 4.5 thousand rubles. per year, you will receive a card with an individual pattern and texture of a reptile. You can also issue ordinary plastic with your drawing for an annual commission of 1990 rubles.

This card called #all at once provides wide opportunities for cashback (up to 5%) and discounts from 5 thousand partners of a credit institution. The interest on the loan depends on the category of the borrower: from 23 to 34%. No interest is paid on the balance. The limit is provided up to 600 thousand rubles. SMS informing - 60 rubles.

• attractive cashback,
• discounts from partners.

• Very high cost per year
• unfavorable credit conditions.

Moscow Credit Bank card

The Moscow Credit Bank cheaply prints plastic "with its own picture" - for only 150 rubles. The upper limit of the credit limit is from 300 to 800 thousand rubles. at a rate of 21%. The balance is charged 7%, which is a big plus.

No need to pay for withdrawals at ATMs of MCB and partners. SMS informing - the usual 60 rubles. There are many discount programs that allow you to save on purchases with a card.

• high interest on the balance,
• large credit limit.

• expensive service (1200 rubles per year),
• cashback is only 0.5%.

Conclusion: the best choice

When choosing a card with an individual design, you should pay attention to the offers:

• Sberbank, if plastic is needed for a young client (application is available from 14 years old);
• Alfa-Bank and MKB, if the amount of interest accrued on the balance of funds matters (up to 7%);
• Sberbank, Tinkoff Bank and MKB, if the minimum cost of service is important.

Customers of Sberbank of Russia who are not satisfied with the standard design of their plastic can order bank card with any image - original photo or drawing. The production of such a card is relatively inexpensive.

In the material below you will learn how to make an original card, how much money and time it takes to produce it, as well as find a list of drawing requirements and design examples.

Basic card design requirements

The functionality of the Sberbank website allows the client to upload any image from a computer or from social networks to a future card when placing an order. Nevertheless, there are a number of requirements for plastic by international payment systems.

On a map with an individual design, it is forbidden to use:

• copyright infringing images;
• materials containing numbers and text in any language (including phone numbers, e-mail, website addresses, etc.);
• images of public people and fictional characters (including stills from films, cartoons);
• materials containing political or religious, anti-religious, anti-social overtones;
• photo of a sexual nature;
• trademarks and company names;
• images of alcohol, tobacco products, drugs, weapons;
• materials that are associated with gambling.

Important: if one or more requirements are violated, the bank has the right to refuse to issue a card to the client and ask for a replacement of the pattern. In this case, the owner of the plastic bears responsibility for the placed image.

How to order a card with an individual design?

A Sberbank card with an individual design can be ordered online. To do this, you need:

1. Go to one of the links:
   • to order a classic card >> order ;
   • to issue a youth card of Sberbank >> order;
   • to order a premium card >> order .
2. Specify where the image will be taken from - from a computer, from social networks or from the bank's gallery.

1. Edit the selected picture - change the scale and position, select the color of the logo and click "Next".

1. Enter number mobile phone- a message will be sent to it with the result of checking the image (approved by moderators or needs to be replaced).
2. Complete the order by step by step specifying:
   • email;
   • passport data;
   • registration address;
   • a compartment in which it will be convenient to pick up plastic.

The cost of a Sberbank card with its own design

The cost of a card with an individual design to choose from depends on its type:

	Design	First year of service	Subsequent years of service
classical	500 rub.	750 rub.	450 rub.
	15 $	25 $	15 $
	15 €	25 €	15 €
Youth	500 rub.	150 rub.	150 rub.
Premium	is free	4900 rub.	4900 rub.

A card with an individual design is always prestigious for a client, especially when it comes to young people. Teenagers always try to stand out, which is why credit organizations have provided the function of issuing a card with an individual design. But this is not a free feature.

Debit or credit cards with a personalized photo are a way to stand out and show off your creativity. As practice shows, such a product is popular among people in the age range of 25–30 years. But not all credit institutions are ready to provide the service.

The popularity of personalized cards is growing every year

Some lenders are willing to provide the service even free of charge. But most charge extra. After all, printing a single version on plastic is an expensive procedure. But it is worth considering that the bank may not accept every picture for consideration. There are certain restrictions. You cannot provide:

• world brands;
• photos related to alcohol products or brand;
• erotic images;
• a photo showing weapons, components;
• photo of various money, including the national currency;
• addresses, cell phone numbers;
• photo of coins and orders, religious symbol.

You can not provide photos of actors, singers, paintings. This is protected by the article of the Federal Law "On Copyright". Some lenders additionally make their own adjustments to this list.

Allowed photo

The individual design of a bank card is a complex process, accompanied by certain restrictions. In particular, this applies to the picture. A bank card with its own design must meet the requirements of the creditor, as well as comply with the requirements of Russian legislation.

Banks may offer to issue a tool with the image of cartoon characters.

It is possible to order a tool with an individual photo through the official resource of the lender. To do this, you must select a photo from the proposed official website. Initially, you need to learn the basic rules for a card with individual characteristics.

You can issue a card with a personal design via the Internet

Offers on the financial market

A credit and debit card is the best product for remote or non-cash payment for goods and services. Plastic with its own design is a new trend in the banking sector, which is popular with young people. It is young people who send photos of plastic cards, for which they are ready to pay a commission.

There are not so many offers in the financial market. But there are several credit institutions worth highlighting:

1. Sberbank allows you to purchase a tool with an individual design for 500 rubles. Annual maintenance - 750 rubles. Here you can issue only debit plastic.
2. VTB 24 offers to issue plastic with an individual design in a branch for a similar commission as in Sberbank.
3. Alfa Bank I am ready to offer a standard tool or a My Alpha credit card for registration. The cost of annual maintenance is 1000 rubles, this already includes the price for an individual photo. Debit instrument RUB 500 for design and 700 r. annual maintenance. If there is a product of the presented lender, then the order is made through the official resource.
4. Promsvyazbank allows you to order a tool with an individual design through the official website of the company. It is possible to develop an independent design or choose an existing one. There is also a share with the creditor. If a client has developed his own design and others buy it, then he will be rewarded in the amount of 10,000 rubles. The cost of plastic is 350 rubles. + 700 rubles annually.
5. Russian standard allows you to issue a standard tool and gold. It is possible to purchase both a debit and a credit card with a free issue. Annual payment 600 r. according to the standard and 3000 r. for gold plastic.
6. Rosbank has the ability to issue a card with individual characteristics for 350 rubles. Annual maintenance - 1000 rubles.
7. ICD allows you to issue only a credit card with an individual design. But a credit card also allows you to replenish the card in excess of the credit limit, that is, it includes a deposit addition. The application is submitted in person at the branch or through the website. Issue 600 rubles, order a card 150 rubles.
8. Tinkoff allows you to purchase a card remotely with a choice of individual design.
9. Gazprombank allows you to issue a card with individual characteristics when replenishing the instrument for 6000 rubles. The cost of maintenance is 750 rubles. in the first year, subsequent 1250 p.
10. Raiffeisenbank provides cards when paying an annual service of 4500 rubles.
11. Primorye issues a card with a payment system visa for 500 rubles. A classic instrument will cost the client 800 rubles.

How to issue

Previously, it was allowed to design an individual design only when visiting a branch of a credit institution, and only by providing a photograph on a carrier. Due to the large number of virus and malware programs, credit institutions have refused this opportunity. Now all financial instruments of this type are issued online.

The applicant independently orders individual plastic on the official resource of the company in his own office. Making plastic takes a little longer than the standard - 3 weeks. The algorithm for getting here is the following:

• you need to visit the official website of the credit institution;
• go to your personal account;
• select the payment instrument issue tab;
• specify an option with individual characteristics.;
• examine the terms of release or reissue provided;
• upload the selected photo that matches the above parameters;
• fill in personal information and leave contact details;
• send an application for registration;
• expect agreement on the selected photo;
• if the specialist answers positively, the instrument comes to the selected credit institution and it can be obtained by passport.

A variant of cards with an individual design from Sberbank

Additions to cards

All payment instruments from credit institutions, regardless of design, participate in various programs and have several features:

• all plastics are valid for a three-year period;
• all customers are eligible to be members of the Thank You program and receive additional points;
• cards are issued only with the payment system Visa and Mastercard;
• it is possible to open a payment instrument in rubles, dollars, euros and other currencies;
• it is impossible to connect a salary project;
• It is possible to issue both debit and credit cards.

Such a payment instrument can be used for various purposes, including payment for goods and services, loans.

You can design a product with an individual design in a few minutes. It is enough to go to the official resource and apply, upload a photo and attach a scan of an identity document. To minimize the time for consideration, it is worth filling out the application correctly and sending the application remotely. As a rule, the bank considers the application within three days, then issues the instrument within three weeks.

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"Plastic" of non-standard design or size has been present on the Russian market for a long time. Even at the initial stage of the formation of the domestic banking system, an unusual card was considered one of the reliable ways to the client's heart. Today, when technology has taken a step forward, there are quite a lot of such cards in Russia. And it is expected that there will be even more.

A person is so arranged that he likes everything unusual and non-standard. In other words, not to be like everyone else. Given this feature, banks have long been offering their customers cards that differ from the standard either in size or coverage. At first, when the "plastic" market in Russia was underdeveloped and the card itself was considered a certain element of prestige, there was no particular need for an exclusive design. But then, when “plastic” went to the masses and many Russians had several different cards in their wallets, the color and size obviously acquired some meaning for both customers and banks.

“At the moment, when there is a tough struggle for each client on the market, the motto of today is exclusivity and originality when issuing a bank card,” says Irina Mokrushina, director of the department for processing transactions and payment systems at Investtorgbank. - A beautifully designed card can be compared to a purse made of fine leather or an expensive purse: it is not a shame to demonstrate it when paying for a purchase in a prestigious store or a luxury restaurant.

Rus-Bank believes that the main target audience for cards with non-standard sizes or designs are VIP clients, credit card holders, as well as young people aged 20 to 30 years.

Mokrushina notes that each "plastic" has its own "target audience". For example, banks can offer women a card in pink, perfumed "plastic", "plastic" with a mirror image. For a sports fan, a card with the image of sports competitions will be a joy, as well as “plastic”, touching which reminds the owner of his sports hobbies (for example, a tennis ball). For young people, a kind of “fetish” will be a mini-card in the form of a key fob, transparent cards that glow in the dark, shimmering with all the colors of the rainbow or fluorescent cards, as well as “plastic” with a thermal effect that changes color depending on temperature.

For everyone and everyone

Despite the fact that an individual approach is usually applied to VIP clients, the so-called mass segment also has the opportunity to issue a card “not like everyone else”.

Each bank has its own ideas about what a card with an individual design is. So, in CreditEurope Bank, when applying for an instant credit card, customers are offered to choose a design from four options that are provided in addition to the standard one. The design is not particularly unusual (the colors imitate the color of leopard skin, denim, leather and woolen knitted fabric). At the same time, the client has the opportunity to choose what is dearer to his heart and, perhaps, matches the color of his eyes or wallet.

The most common way to make your card original is to take advantage of the offer of the bank to place anything on it: from a photograph of your favorite dog to a reproduction of Van Gogh's Sunflowers. This service is offered at Promsvyazbank, Uniastrum Bank, Alfa-Bank and many others. In this case, the client can either bring a photo or drawing of the selected image, or use the bank's catalog. “Cards with an illustration selected from the catalog can be provided to the client within 30 minutes,” Uniastrum Bank notes.

Some banks take a different path - they do not use an individual design, but an unusual texture. For example, in mid-March, Raiffeisenbank introduced to the Russian market a co-branded ELLE-Raiffeisenbank MasterCard card for ladies. The uniqueness of this card lies in the fact that it has a textured design - the card feels like leather to the touch. The declared circulation of the card is 330,000 copies.

An unusual card for ladies is also offered by Alfa-Bank, which started issuing Alfa-Bank - Cosmopolitan - Visa three years ago. There is no textured design, but there is a non-standard “chip”: in addition to the usual standard-sized card, a so-called mini-card is issued, which is half the size. Of course, it is not suitable for withdrawing cash from an ATM, but it is quite possible to pay with it in cafes or shops. In mid-March, the number of cardholders exceeded 200,000.

Promsvyazbank also offers a miniature card to its holders - but this time for payments on the Internet. The MasterCard Virtual card is smaller, does not have a magnetic stripe, and works without a pin code. A hole in the corner of the "plastic" allows you to use it as a keychain. The number of these cards is now about 6 thousand.

For the chosen ones

Of course, the opportunity to issue a card with a photograph or with an unusual surface does not seduce a solid client. VIP clients are accustomed to getting the best, and banks strive to offer them the best.

In particular, Rosbank more than a year ago started issuing a VISA Platinum by V. Yudashkin card with an author's design from Valentin Yudashkin. “At the request of the author of the unique design and by the decision of Rosbank, the card was issued in a limited edition of 1,000 pieces and is intended for the bank's VIP clients,” the credit institution noted. - Cardholders got the opportunity to use additional services provided for Rosbank cards of the premium segment, and also received a 10% discount on purchases in Valentin Yudashkin's Moscow boutiques.

On the this moment The "palm tree" in the exclusivity of cards for VIP clients belongs, perhaps, to the Moscow Credit Bank(MKB), which not so long ago presented the first Visa Infinite card in Russia with diamonds. Its design features a 999 platinum-plated ornament and three diamonds of 0.01 carats each. It is assumed that the circulation of this card will be limited - 100 pieces. The card is both a full-fledged means of payment and a piece of jewelry.

Design controversy

Despite the fact that most potential customers love everything original and non-standard, credit institutions do not have a common opinion about how necessary and profitable it is to issue unusual, non-standard payment cards.

VTB 24, for example, said that the bank does not plan to start issuing cards with a non-standard design in the near future. “In general, such cards can be claimed by a very narrow audience. This is not a mass product, so it is difficult to talk about good prospects for their development,” the bank noted.

“In my opinion, exotic shapes and sizes are a temporary phenomenon, and you can’t build a business on this,” says Andrey Frolov, deputy head of the retail technology department at Otkritie Bank. “Unfortunately, such cards no longer have practical value due to the emergence of contactless NFC technologies, where the payment application is a chip, and the mobile phone is the means of payment.”

A similar position is shared by Elena Novikova, head of the department of payment, commission and deposit products of Absolut Bank. According to her, it would be a mistake to assume that card design plays a key role for customers. “When a consumer chooses a card of one or another bank, he first of all focuses on the terms of service and the additional service that they can offer,” she points out. - Starting to use the card of a certain bank, the client analyzes the quality of service. All this is much more important for him than the image on the "plastic" of animals, flowers or insects. According to Novikova, from the point of view of developing the card business, attracting and retaining customers, it is enough for the bank to follow the design of standard cards.

At the same time, cards of “non-standard appearance” also have supporters. “The plastic design can become another advantage of the product, which helps it sell to a certain segment of customers,” says Irina Orlova, Deputy Head of the Payment Cards Department at Promsvyazbank. “Thus, a student may be interested in creative design, and a VIP client will be pleased to have a precious metal plated card to emphasize their high status.”

Investtorgbank reported that in the future the bank may start issuing unusual cards. “Memorable plastic is the most reliable way to the hearts of customers,” says Mokrushina. “It is important for us to pay more attention to the individual characteristics of both existing and potential clients, which allows us to easily find a common language with them.”

Dmitry Orlov, Vice President of the First Republican Bank, also suggests that in the future the bank will issue cards with a special design to highlight individual products and special offers. “A non-standard format is something that can hook a client, stop him from choosing a bank product, all other things being equal,” he emphasizes.

President of TCS Bank Oliver Hughes also announced plans to issue cards with non-standard design to Banki.ru. However, he has not provided details yet.

On the edge of fantasy

At the same time, global trends in the banking “plastic” market indicate that cards with a non-standard design are unlikely to fade into the background. Market participants told Banki.ru that the international payment system Visa plans to issue a card of the future - Visa 3D. The Russian representative office of Visa did not provide an official comment on what this product is. However, the future is not far off, and it seems that soon everyone will know about this card.

Rosan Diamond, a Russian-based company that manufactures diamond cards for MKB, is currently negotiating with Visa and MasterCard payment systems to certify gold and gemstone cards. According to the commercial director of the company Victoria Krasnoborova, these cards belong to the category of premium luxury cards and are present in Russia in single copies. “These cards don't have a magnetic stripe and a signature strip for the holder, they are equipped only with a microprocessor,” she says. - Such a card is an addition to a plastic card - in order to be able to make transactions at ATMs and the like.

As for cards with diamonds, according to Krasnoborova, the company has already received orders from a dozen Russian and foreign banks for such products. “Such cards are certified in payment systems and are full-fledged payment instruments,” she notes. “We produce such cards not only for the Russian market, but also for countries near and far abroad.”

Tatiana TERNOVSKAYA, Banki.ru

Gem and Metal Cards (Rosan Diamond)

Recently, it has become possible to order bank cards with an individual design. Working under the motto: "Don't be like everyone else!", financial institutions are rapidly promoting a new service. Do not lag behind the fashion and luminaries of the monetary market.

Sberbank very zealously joined the race to create individual plastic cards. In order to order a payment accessory, it is not even necessary to contact. All information is available on the organization's website - sberbank.ru. Here you can also choose a design option from the proposed list, which includes such topics: cartoons, animals, flora and fauna, cities, etc. For the most creative users, a module for uploading images of our own production is provided.

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The selected pattern is applied to the entire surface of the card. During the creation of the map, the possibility of editing the image is allowed: choosing more preferable fragments and angles, changing the color palette, etc. Those owners of Visa, MasterCard or MIR who have a craving for creation can independently edit the classic and standard versions of cards. The "individualization" service is provided by Sberbank only to users of debit plastic.

So, having set out to change the design of your debit card from Sberbank, follow these steps:

1. Find "Choose a card" on the menu and go to the "Custom Design Cards" category.



2. Fill out an application or change the design of the card yourself. In both cases, it is recommended to strictly follow the instructions of the system.



3. Don't forget to carefully read the terms of the license agreement!

Refusals are also possible for cards with photos of actors and cartoon characters, as well as images of paintings by famous artists that are subject to copyright law. All "allowed characters" are placed in the gallery offered by the bank's developers. So, for example, Sberbank is ready to print cards with fragments from the cartoons "Shrek", "Puss in Boots", "Just you wait!" and Madagascar. A complete list of rules for placing an image is published on the website of a financial institution.

Cost and terms of service

An individual design of a debit card from Sberbank will cost the user 500 rubles. This is a one-time payment, which is carried out before the card is issued and is added to the annual cost of maintenance. The total amount will be 750 rubles.