Card "Molodezhnaya" (Sberbank): features, conditions for obtaining, reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Sberbank of Russia is regularly developing new banking products, they are aimed at meeting the needs of various categories of citizens, regardless of age and status. Sberbank has released such a card product as the Molodezhnaya card specifically for its young clients.

One of the advantages of using such a card is that when paying for a product or service in a store, 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 cardholder 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 Youth card (Sberbank). Reviews about it can be found both positive and negative, but positiveyet more.

Card features

• Card can only be in rubles, i.e. only Russian rubles can be stored on it.
• The Molodezhnaya card (Sberbank) has a three-year validity period.
• The cost of annual maintenance is 150 rubles.
• Can be used to pay online.
• Accounting bonuses for making purchases.
• The cardholder is invited to install a special mobile application for free.
• Within two months from the moment of activation, the "Mobile Bank" service is provided completely free of charge.

Bank requirements for the cardholder

Who is issued a debit card "Youth"? Sberbank of Russia provides it to persons 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 apply for a credit youth 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 to the bank a certificate confirming the income of a potential borrower. 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 certificate of scholarship to the bank along with a certificate of employment, in this case, the work experience in the last place can be at least three months.

How to getyouth card?

You can apply for a youth card directly on the Sberbank website. In the proposed form, you must enter personal data, namely: full name, residential address, 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 department in which it will be convenient for you to receive it in your hands.

There is one more "feature" of the card - it is the ability to choose its design. Sberbank offers two types of design - standard and individual. When choosing an individual design for a plastic card, its future owner can upload his photo or choose from those drawings offered by Sberbank. But it is worth emphasizing that for an individual design you will have to pay an additional 500 rubles.

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 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 confirming your identity with you.

You might 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 at the branch that you specified in the application form. Don't forget to bring your passport or any other document that can prove your identity.

And the Sberbank youth credit card is not issued remotely via the Internet. To youyou will have to contact the bank branch twice: the first time to provide documents and fill out a questionnaire, and the second time to receive a card. The decision to issue a credit card to a borrower is made by Sberbank within no more than three business days.

Conditions and tariffs for the card

Youth debit card "Sberbank of Russia" will cost you 150 rubles per year, and a credit card - 750 rubles. The terms of the credit card provide for a grace period of fifty days, which means that no interest will be charged during this period. The limit on a credit card is from three to two hundred thousand rubles, the interest rate for using 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 top up the Youth card?

There are several ways to top up a card from Sberbank:

1. Cashless via Mobile Bank, Sberbank-Oilin service, special mobile application and SMS service.
2. Cash through ATMs and self-service terminals.
3. At the cash desks of other banking institutions - for this you need to know the card details;
4. At the box office of Sberbank branches.

Feedback from Molodezhnaya cardholders

Users of such a product as the Molodezhnaya card (Sberbank) give different reviews. Some highlighted the fact that the registration procedurecredit card is not ideal, because there is a more progressive procedure for obtaining. So, it is possible to make it possible to remotely apply for a preliminary decision on issuing a credit card from a bank. Another negative point that Sberbank customers highlighted is that credit card conditions are not preferential and do not differ from credit card conditions for other categories of Sberbank customers.

But there are still more positive moments. The most basic one is providing an opportunity for a student to get a loan without employment. Another pleasant side of this card product is the presence of a bonus program. So, paying for their purchases with the Molodyozhnaya card, young people accumulate bonuses that they can later spend on buying other goods. There are many more benefits of this product that make life easier for young people.