Instant issuance cards Momentum Visa Electron and Maestro allow you to pay for purchases in the Russian Federation, as well as withdraw cash. Their undeniable advantage is their free service.
It is necessary
- - passport;
- - application form for a debit or credit card.
Instructions
Step 1
Momentum cards can be opened in Visa and MasterCard payment systems and issued in rubles, dollars or euros. Momentum are cards with a minimal set of options. They are unnamed cards and are issued instantly at the conclusion of the contract. The card is valid for 3 years. Usually they are drawn up as part of salary projects or to receive a pension.
Step 2
The card can be obtained at any branch of Sberbank. To apply for a debit card, you need to provide a passport of a citizen of the Russian Federation, as well as sign the necessary documents. You don't need to pay anything.
Step 3
The card can also be issued as a credit card. True, it is issued only within the framework of a personal offer from Sberbank. Visa and MasterCard Momentum is issued with a credit limit of up to 150 thousand rubles. There are no release and annual maintenance fees. The interest for using credit funds is 18.9%, which is relatively low for the rate on credit cards. The card has a grace period of up to 50 days, which allows you to use the card without paying interest.
Step 4
The credit limit on the card is drawn up in advance based on the analysis of income received at Sberbank. It can be a pension or a salary. Also, the card is issued free of charge for Sberbank depositors and borrowers for mortgage or car loans.
Step 5
You can find out about the availability of a personal offer in different ways - from a specialist of the Sberbank branch, by SMS, through an ATM. It will also indicate the approved credit limit. As a rule, initially it is small - 10-15 thousand rubles. However, later, with the active use of the card, the limit may be revised at the initiative of the bank. Please note that it is advisable to use a credit card for non-cash payments. And for cash withdrawal operations, a commission of 3% is imposed.
Step 6
The registration itself takes 15 minutes. To do this, you must have a passport with you. No additional documents in the form of a certificate of income and proof of work experience will be required. The card can be picked up on the same day, the credit limit on it will be available within 24 hours.
