Сбербанк России регулярно занимается разработкой new banking products, they are aimed at meeting the needs of different categories of citizens, regardless of age and status. Such a card product, like the "Youth" card, was issued by Sberbank specifically for its young customers.
One of the advantages of using such a cardis that when calculating in a 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 you can pay in the future for other products. In addition, the card holder can quickly and easily pay for mobile services by sending only a text message to a short number. He can also transfer money to another person, knowing only his phone number, pay for Internet purchases, and other benefits will be available to the user of such an advantageous product as the "Youth" card (Sberbank). Reviews about it can be found both positive and negative, but there are more positive ones.
Map Features
- The card can only be ruble, i. 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 for payment on the Internet.
- Accrual of bonuses for purchases.
- The card holder is offered 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 the card holder
To whom is the debit card "Molodyozhnaya" issued? Sberbank of Russia grants it to individuals aged 14 to 25 years with a passport of a Russian citizen and registration in the region where the card will be issued.
If young people decide to issue a credita youth card, in this case the age range will be from 18 to 30 years, and, in addition to the passport and registration, it is necessary to submit to the bank a certificate confirming the income of the potential borrower. Such a document can be obtained from the job, while the borrower should work there for at least six months. For full-time students, proof of income can be a certificate of scholarship.
You can also submit to the bank a certificate of scholarship together with a certificate from the place of work, in which case the length of service in the last place may be at least three months.
How to get a youth card?
Apply for a youth cardyou can directly on the site of the Savings Bank. In the proposed form it is necessary to enter personal data, namely: full name, address by residence, information about the place of work, contact information. Then you need to select the most suitable for you the parameters of the card and the subdivision of the bank, in which it will be convenient for you to get it in your hands.
There is one more "chip" of the card - thisthe possibility of choosing its design. Sberbank offers two types of design - standard and individual. When choosing an individual appearance of a plastic card, the future owner can upload his photo or select from the drawings offered by Sberbank. But it's worth emphasizing that for an individual design you will have to pay 500 rubles extra.
So, you filled out the application. Now you need to wait for a response from a bank specialist who will check the information you provided.
You can also receive a card by contacting any branch of Sberbank, but only in the region in which you have a residence permit. You should have a document confirming your identity.
You may be interested in how much is being donecard of the Savings Bank? The youth debit card will be ready in 2-3 weeks, you can pick it up at the office that you indicated in the questionnaire. Do not forget to bring your passport or any other document that can verify your identity.
A youth credit card of Sberbank is notis processed remotely via the Internet. You will have to contact the bank twice: for the first time to submit documents and fill out the application form and a second time to receive the card. The decision to issue a credit card to a borrower is taken by Sberbank for no more than three business days.
Conditions and tariffs for the card
Debit card youth "Sberbank of Russia"will cost you 150 rubles a year, and a credit one - 750 rubles. The terms of the credit card provide for a grace period, which is fifty days, that is, for this period, interest will not accrue. The limit on the credit card is from three to two hundred thousand rubles, the interest rate for the use of borrowed funds is 24% per annum. If the borrower needs to withdraw cash from the "Molodezhnaya" credit card, then the bank will take a 3% commission for this service.
How to replenish the "Youth" card?
There are several ways to replenish the card from Sberbank:
- Cashless way with the help of Mobile Bank, Sberbank-Oilein service, special mobile application and SMS-service.
- Cash in cash through ATMs and self-service terminals.
- In the cash desks of other banking institutions - for this you need to know the details of the card;
- In the cash departments of Sberbank branches.
Reviews of the card holders "Molodezhnaya"
Users of a product such as a map"Youth" (Sberbank) reviews give different. Some singled out the fact that the procedure for issuing a credit card is not ideal, because there is a more progressive order of receipt. So, you can make it possible to remotely apply for a preliminary decision from the bank to issue a credit card. Another negative point that Sberbank's clients singled out is that the terms on the credit card are not preferential and do not differ from the credit card terms for other categories of Sberbank customers.
But there are still more positive moments.The most basic is providing the student with the opportunity 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 a "Youth" card, young people accumulate bonuses that they can later spend on buying other goods. There are many more benefits of this product that make the life of young people easier.
