Sberbank of Russia regularly develops new banking products; they are aimed at meeting the needs of various categories of citizens, regardless of age and status. Sberbank issued a card product such as the Molodezhnaya card specifically for its young customers.
One of the advantages of using such a card is that when paying at the store for a product or service, 10 percent of the amount in the check is returned to the card balance as bonuses from the bank, which can be used to pay for other products in the future. In addition, the card holder can quickly and easily pay for mobile services with it by sending only an SMS message to a short number. He can also transfer money to another person, knowing only his phone number, pay for online purchases, and other opportunities will be at the disposal of the user of such a profitable product as the Molodezhnaya card (Sberbank). Reviews about it can be found both positive and negative, but still more positive.
Card Features
- The card can only be ruble, i.e. it can only store Russian rubles.
- The three-year validity period is the Youth Card (Sberbank).
- The cost of annual maintenance is 150 rubles.
- Can be used to pay on the Internet.
- Accrual of bonuses for shopping.
- The card holder is invited to install a special mobile application for free.
- Within two months from the moment of connection, the Mobile Bank service is provided completely free of charge.
Bank requirements for a card holder
Who is issued the Youth debit card? Sberbank of Russia provides it to people aged 14 to 25 years with a passport of a citizen of the Russian Federation and registration in the region where the card will be issued.
If young people decide to get a youth credit card, then in this case the age range will be from 18 to 30 years, and, in addition to a passport and registration, it is necessary to submit a certificate confirming the income of the potential borrower to the bank. A similar document can be obtained from the place of work, while the borrower must work there for at least six months. For full-time students, proof of income may be a scholarship certificate.
You can also submit a scholarship certificate to the bank along with a certificate of employment, in which case the work experience in the last place can be at least three months.
How to get a youth card?
You can apply for a youth card directly on the website of Sberbank. In the proposed form, you must enter your personal data, namely: full name, address of registration, information about the place of work, contact information. Then you need to choose the card parameters that are most suitable for you and the bank’s subdivision, in which it will be convenient for you to get it on hand.
There is one more "trick" card - this is the ability to choose its design. Sberbank offers two types of design - standard and individual. When choosing an individual design of a plastic card, the future owner can upload his photo or choose from the drawings that Sberbank offers. But it is worth emphasizing that for an individual design you will have to pay an additional 500 rubles.
So, you have filled out the application. Now you need to wait for a response from a bank specialist who will check the information that you provided.
You can also get a card by contacting any branch of Sberbank, but only in the region in which you have a residence permit. You must have a document proving your identity with you.
You may be interested in how much a Sberbank card is made? The youth debit card will be ready in 2-3 weeks, you can pick it up in the department that you indicated in the questionnaire. Do not forget to bring your passport or any other document that can confirm your identity.
A Sberbank youth credit card is not issued remotely via the Internet. You will have to contact the bank branch twice: the first time to provide documents and fill out the questionnaire, and the second time to get a card. The decision to issue a credit card to a borrower is made by Sberbank for no more than three business days.
Card terms and conditions
A youth debit card “Sberbank of Russia” will cost you 150 rubles a year, and a credit card - 750 rubles. Credit card conditions provide for a grace period of fifty days, that is, no interest will be charged for this period. The credit card limit is from three to two hundred thousand rubles, the interest rate on borrowed funds is 24% per annum. If the borrower needs to withdraw cash from the Molodezhnaya credit card, then the bank will charge a 3% commission for this service.
How to replenish the Youth card?
There are several ways to recharge a card from Sberbank:
- In a non-cash way using the Mobile Bank, Sberbank-Online service, a special mobile application and SMS service.
- In cash through ATMs and self-service terminals.
- At the cash desks of other banking institutions - for this you need to know the details of the card;
- At the box office of Sberbank branches.
Testimonials of “Youth” card holders
Users of a product such as the Molodezhnaya card (Sberbank) give different reviews. Some highlighted the fact that the procedure for obtaining a credit card is not ideal, since there is a more progressive procedure for obtaining it. So, you can make it possible to remotely apply for a preliminary decision from a bank to issue a credit card. Another negative point highlighted by Sberbank customers is that the conditions on the credit card are not preferential and do not differ from the conditions on credit cards for other categories of Sberbank customers.
But there are still more positive points. The most basic is the provision of the opportunity for a student to apply for a loan without employment. Another nice side of this card product is the availability of a bonus program. So, paying for their purchases with the Molodezhnaya card, young people accumulate bonuses that they can later spend on the purchase of other goods. There are many more benefits of this product that make life easier for young people.