Every year, residents of Russia and the CIS countries increasingly use bank plastic cards in their daily life. Methods of issuing credit cards are improving, more terminals, ATMs appear, where a bank card can be used.
Youth Debit Card
Youth Debit Card is a banking product created especially for young plastic card holders. The holder's own funds are credited to such a card. The card is personalized, embossed (the owner's name and surname are embossed) and belongs to the international payment systems Mastercard and Visa. She can freely pay for purchases abroad and on foreign sites.
The main difference between a debit card and a credit card is that the debit card stores its own funds, while the credit card stores borrowed funds (bank credit).
How to get a youth bank card
To become the owner of the aforementioned banking product, you must be a young man / woman strictly between the ages of 14 and 25 and be registered at the place of permanent residence. It is worth emphasizing that the availability of Russian citizenship is a strict condition only for obtaining a credit youth card. Citizens of the Republic of Belarus must have registration at the place of stay, officially obtained in the FMS, and correspond to the age category. The application for the issue can be left either on the bank's website or come to the branch in person.
Currently, the vast majority of such cards are issued by Sberbank, Rosbank and OTP Bank. Sberbank does not send cards by mail. Therefore, even if the application is left on the site, after 5-10 working days it is necessary to visit the office with a passport in order to receive it in person.
The advantages of such a card
Its main advantage is its lower cost with the full range of capabilities of a full-fledged international card. As of 2014, the cost of annual service is, for example, in Sberbank - 150 rubles, mobile bank - 60 rubles per month. For comparison, a similar card, issued not under the preferential "youth" program, costs 750 rubles a year, a mobile bank - 60 rubles a month.
Servicing a Visa Electron card, which has fewer options and is intended for payments within the country, will cost 350 rubles, a mobile bank - 30 rubles per month. Valid for 3 years. Manufacturing according to your own design is possible. Connection to the online bank is free.
A youth card is the best choice for young people who often use bank cards.
All discounts, bonuses and loyalty programs are also fully valid for holders of youth cards. For active users of bank cards between the ages of 14 and 25, all other things being equal, the advantages and benefits of obtaining it are obvious, so it is definitely worth having it in your wallet.
