The "youth" card from Sberbank is intended for young people over the age of 14. Like all plastic cards, it has its inherent advantages and disadvantages.
Description of the card "Molodezhnaya"
The Molodezhnaya card can be issued in two payment systems - Visa Classic and MasterCard Standart. Distinguish between debit and credit cards. The cards are issued for a three-year period. The cost of service depends on the type of card - 150 rubles. per year for debit and 750 p. for credit.
The interest rate on the credit card is set at 24%, and the credit limit is determined for each client individually and ranges from 3 to 200 thousand rubles.
To obtain a card, you must contact a bank branch, or fill out an application on the Sberbank website. To receive a debit card, the client must be a citizen of the Russian Federation between the ages of 14 and 25. The number of requested documents includes only a passport. To receive a credit card, the bank also additionally requests a certificate of income 2-NDFL or a certificate of scholarship. Credit cards are available only to adult citizens of the Russian Federation.
Advantages and disadvantages of "Youth" cards from Sberbank
"Youth" cards from Sberbank can be issued with an individual design, i.e. the client can independently choose the image of the card. Even a non-working student can apply for a credit card, and a debit card is also available for schoolchildren.
Credit cards are issued with a grace period of 50 days. During this period, you can use borrowed funds without interest.
Another advantage of the "Molodezhnaya" card is the free SMS-informing about all transactions on the account.
Like all Sberbank cards of the Visa Classic and MasterCard Standart systems, they provide opportunities for remote account management via the Sberbank OnL @ yn Internet bank, as well as using a mobile phone or tablet (Mobile Bank). You can link a "youth" card to your electronic wallets (WebMoney or Yandex. Money) to transfer funds between them in real time. This can be especially useful among freelancers who receive payments to e-wallets.
All card transactions are protected by 3D-secure technology (confirmation of payment via SMS), which serves as an additional guarantee of the safety of funds when paying in the online store. The security of the card is also reinforced by issuing them in a secure chip card format.
The cards are credited with bonuses under the "Thank you" program for each payment by bank transfer. Bonuses can be exchanged for discounts at numerous partner stores.
Among the disadvantages are the high cost of annual maintenance and the commission for withdrawing cash from credit cards (3%). It is important to note that unlike many other banks, the grace period does not apply to cash withdrawals at Sberbank. Another disadvantage is that a commission of 15 rubles is charged for requesting a balance in third-party banks.
