Youth debit. Sberbank: "Youth Card" - conditions. Conditions and tariffs on the card

True, not all Russian issuing banks issue cards for young people. Today, the youth debit card is still offered by such Russian banks as:

• Sberbank of Russia (Visa Classic or MasterCard Standard),
• Rosbank (MasterCard Standard ISIC),
• OTP Bank (MasterCard Standard).
• Alfa-Bank (MasterCard - "Next" card)

The design of the youth debit card offered by Sberbank is divided into:

• Typical standard drawing. The standard version of the card design is shown on the bank's website, and in my opinion, it has a fairly modern look.
• Your drawing. If the young man does not like the standard design, you can create your own individual drawing for an additional fee.
• Drawing from the gallery of the bank. The bank gallery offers a wide range of designs for youth cards.

• Mandatory presence of an identity document (passport);
• The age of the cardholder is from 14 to 25 years old;
• Citizenship of the Russian Federation;
• Permanent registration in the region where the card is issued.

• at any branch of Sberbank (from a specialist);
• via the website of Sberbank of Russia.

A youth debit card can be used to provide the following services of Sberbank:

• enrollment scholarships;
• receiving wages;
• payment for purchases in stores in Russia and abroad;
• withdrawing and depositing money to the account (in bank offices and through ATMs);
• payment for a mobile phone, Internet, TV and other services - through terminals and ATMs, Sberbank OnL @ yn and Mobile bank;
• to monitor the state of the account in real time through the "Mobile Bank" and "Sberbank OnL @ yn";
• payment for purchases on the Internet.
• Carrying out services - "Autopayment".

1. Annual service fee - 150 rubles.
2. The initial payment to the bank card account is at the discretion of the holder.
3. Contribution to the reserve account - not provided.
4. The next card reissue is free.
5. Early card reissue is free of charge.
6. Reissuance in case of loss of the card, loss of PIN-code, change of personal data of the Cardholder - 150 rubles.
7. Individual card design - 500 rubles.
8. Contribution to the reserve account - not provided.

bankirsha.com

Sberbank youth card: everything about it

In an effort to increase the convenience of using plastic cards, Sberbank offers individual banking products that best meet the needs of each category of cardholders. For a large category of teenagers and students, a card from Sberbank Molodezhnaya has been developed and issued for use. We will tell you about this map in the article.

Who can get a Sberbank Youth Card?

This plastic card was conceived and developed exclusively for young people who do not receive regular income yet, whose age ranges from 14 to 25 years. A debit card is available for registration from the age of 14, with parental consent. In order for a Sberbank Molodezhnaya credit card to be issued, the applicant must be 21 years of age or older. A youth credit card can be obtained by both a working person and a student who does not have an official place of work.

Otherwise, the conditions for issuing this bank card are standard and meet the requirements of Sberbank for issuing other plastic cards - they are issued for citizens of the Russian Federation registered in Russia, permanently or temporarily.

What are the conditions, tariffs and specifics of card service?

Banking product Sberbank Youth card can also be called a student card, for the reason that its main holders are students aged 18 and over, and its features take into account the opportunities and needs of young people.

• First and foremost, and important for unemployed or scholarship youth, it is an inexpensive annual service. How much does the Sberbank Youth Card cost? The annual costs of servicing this type of debit card are low, and amount to only 150 rubles per year, which is a rather attractive offer from Sberbank. Considering that the student bonus program for the card allows you to return up to 10% of payments on the card to the card account in the form of “Thank you” bonuses, and then pay for goods and services with bonuses, the cost of annual card maintenance is compensated for within six months.
• The card is designed for a period of use within three years; card re-issue in case of planned replacement will be free for the owner.
• When issuing a card, there is an option to choose from two payment systems - Visa or Mastercard.
• The card has a contactless payment method through payment terminals;
• The daily limit for withdrawing cash at the bank's cash desks or ATMs is 150 thousand rubles
• A service of ordering a card with an individual design is offered, this additional opportunity will cost 500 rubles.

For credit card Youth, the following conditions apply:

• The annual cost of servicing the card is 750 rubles;
• the withdrawal limit varies from three to two hundred thousand rubles;
• The loan rate is 24% per annum;
• There is a grace period of 50 days for interest-free loan repayment. It should be remembered that this period is valid only in case of non-cash payment for goods and services from the card. Cash withdrawal or transfer to another bank card will automatically cancel the action grace period, and interest will be charged on the withdrawn amount.

How is the Youth Card issued?

An application for a Molodezhnaya debit card can be made in one of the branches of Sberbank or online by sending an application from the official website of Sberbank by pressing the button "Order a card" In the field that opens, you will need to enter passport data, select the card payment system (Visa or Mastercard), and indicate contact number phone. In case of sending an online application, a bank employee will contact you and you will discuss with him the place and terms of receiving the plastic in your hands.

If the card was ordered remotely, when signing an agreement for the issuance of a card and receiving a card in your hands, you will need to provide a bank employee with a passport to confirm the information specified in the application.

The production time for the Youth Card is usually two to three weeks.

How to get a Youth credit card?

There is an age limit for obtaining a credit card from Sberbank Molodezhnaya. The borrower's age cannot be more than 30 years.

Sberbank does not provide services such as issuing a credit card Molodezhnaya online. In order to leave an application for a credit card, you need to come to the Sberbank branch. To apply for a Molodezhnaya credit card, you must submit the following documents to the department:

• Passport;
• A certificate of income (for working youth) or a certificate from the dean's office of an educational institution on obtaining a scholarship (for full-time students under the age of 24).

The application is considered for enough short term, two to three days, and a decision is made to approve (or refuse) to issue a credit card. A bank employee will notify you about this by phone. If a positive decision is made, you will be told the day on which you can receive a credit card at a bank branch.

Credit card Youth, this is a good opportunity for young people to learn how to properly distribute their spending and use by plastic card, profitably and taking full advantage of all its possibilities. And although the reviews about it are not unambiguous, there are both positive and negative, but mostly, negative reviews relate to inconvenient little things, which often arise because the information regarding this banking product was not carefully studied before issuing the card, but in general , the undoubted advantages of this card are obvious.

urcards.ru

Sberbank youth credit card - online processing conditions, limits

Sberbank of Russia is a proven financial institution, which regularly develops new products to meet the needs of many citizens. At the same time, it tries to provide as many opportunities as possible for people of different ages.

The Molodezhnaya card was issued by Sberbank especially for the youngest clients. Its main advantage is that every 10% of the amount in the check will be returned to the card balance as a bonus from the bank. This bonus allows you to pay for any other product with a good discount.

In addition, a person who uses such a card will be able to pay for mobile services. To do this, you just need to send an SMS message to a short number. He will also be able to transfer money to another number, pay for purchases on the Internet. Each user of such a product has a lot of positive emotions about using such a card.

Features:

The features of the card include the following:

• The card can only store rubles. The bank only provides services in one currency.
• The validity period of the Molodezhnaya card from Sberbank is three years. And the cost of service is 150 rubles.
• You can use the card to pay for purchases online.
• For the purchases made, you will constantly receive bonuses.
• The cardholder can easily set the required mobile app.
• Within two months from the date of connection, it is provided free service Mobile Bank.

Terms of registration

A youth card from Sberbank of Russia will cost 150 rubles a year, and as for a credit card, it will cost 750 rubles. Credit card conditions - there is an interest-free period of 50 days. During this period, the card will not be charged interest.

Credit card limit - from three to two hundred thousand rubles, and interest rate for the use of borrowed funds will be 24% per annum.

In case the borrower decides to withdraw cash from the card, the bank will charge a commission of 3%

Reservations

It should be borne in mind that many banking organizations seek to attract a large number of customers by offering various types of services. For example, many banks have ceased to impose restrictions on the age of the borrower. Now, in order to find out how to apply for a Sberbank Youth credit card, you do not have to be over 21 years old.

There is also a process of loyalty to banking products. No one is trying to impose new conditions on their customers for using the card. Instead, products are spliced \u200b\u200bthat are designed for both adult population, and for young people. The only restriction that is set for clients is a reduced credit limit due to lower solvency.

A youth credit card can be issued in the following variations: MC Standard and Visa Classic. Any student of a Russian university who is on full-time study has the right to apply for a card.

Visa and MasterCard "Youth" credit tariffs

Tariffs for bank cards

In doing so, it is important to take into account the following information:

The grace period is valid only if you purchase goods and services using the card. This is a typical rule that applies to all banking organizations. Debt repayment can be carried out every month. At the same time, it must be at least 5% of the loan amount, taking into account the interest for using the loan.

Since the card is a credit card, no interest is charged on the balance on it. You can get cash at an ATM and at a Sberbank branch, while the preferential rules for repayment will not apply.

Variations

Functional

Sberbank youth credit card bonuses

The main bonuses of a credit card include:

• a non-working student with a scholarship can apply for a credit card;
• the requirements for proof of income are very flexible;
• borrowing conditions are very simple here;
• discounts and bonuses are provided for card payments;
• everyone has the opportunity to use their own funds.

Debit cards for teenagers and children are a fairly popular product on the market. If earlier children were given out in cash for pocket expenses, now it is easier for parents to throw on the card. There are products linked to the parent account, and there are products linked to your own.

According to average estimates, the Youth card from Sberbank is included in the TOP-3 debit cards for adolescents and young people. The age category is from 14 to 25 years old, i.e. from schoolchildren to already working citizens. Let's see who will be more interested in this card and whether it is worth applying for it, we will figure out the bonuses and the loyalty system, as well as go through the pros and cons. Youth is very well advertised, but is it worth the candle? Reading the review!

The card is issued only in debit denomination on Visa and MasterCard payment systems linked to a ruble account.

• The age category is from 14 to 25 years old, i.e. even if you are still a student, you can become a debit card holder
• Annual maintenance - 150 rubles per year
• Validity period - 3 years
• Additional card is not issued
• Can be ordered with individual design
• Paypass system, plus there is a connection to a smartphone, thanks to ApplePay or Android Pay you can not carry plastic with you, but pay with a gadget
• Free top-up at ATMs and cash desks of Sberbank
• Withdrawals in native terminals and cash desks without interest within the daily rate of 150 thousand rubles, then 0.5% of the amount exceeding the limit
• In other people's ATMs, withdrawal with interest - 1% of the amount, but not less than 100/150 rubles
• The daily limit for cashing out is 150 thousand rubles, the monthly limit is 1.5 million rubles. But the limit does not apply to withdrawals at cash desks of other banks, i.e. you can shoot more than 150 thousand
• Mobile banking is conditionally free - you don't need to pay for the economy package, but for the full one you need - 60 rubles per month.

MasterCard offers to issue a card Youth of Sberbank exactly on their payment system, and for an incentive they offer a number of additional partners:

• Yandex.Afisha
• Russian Railways tickets
• Formula Kino
• CINEMA PARK
• kinohod.ru
• Chocolate girl
• yoox.com
• Rendezvous
• The body shop

The specific discount percentage can be found on the official website.

Individual design

Some banks offer their customers a custom design service, for example, Raiffeisenbank with a card. But servicing such products usually costs a pretty penny, while Sberbank has set a fairly acceptable price tag - only 500 rubles one-time. Perhaps, for young people this service is especially important, because at this age you always want to stand out, so individual design is a great way of self-expression.

Sberbank has a good gallery of its own designs.

You can upload your photo from your computer.

How bonuses are awarded

Bonuses in Sberbank are a certain type of cashback, only in this case, points are credited, not rubles, in the amount of 0.5% of the purchase amount. For example, you made an operation for 5000 rubles, from this amount you will receive 25 bonuses (1 point - 1 ruble). You can convert bonuses into rubles only if you are at the fourth level, there is no such function on all others.

Sberbank has a number of partners, for purchases from which you will be charged not 0.5%, but much more - on average, it is somewhere around 5-10%. Each partner prescribes its own percentage and conditions, which it is advisable to familiarize with in advance. For example, you see a network of cinemas in the list, come to the checkout and make a purchase with a Molodezhnaya card. Time passes, and bonuses are not credited, but all because in the conditions it was written in small print - you need to pay on the cinema website or in a mobile application.

Now Sberbank has 105 partners, but their composition is unstable and may change. Study the entire list before issuing a map, see if it contains places that you visit. Pay your attention to the fact that not all organizations from the list simultaneously accrue and accept bonuses - 49 places are enrolled, 99 are accepted.

For customers at the Thank You Huge and Thank You Greater levels, there are categories with an increased cashback (see below). Depending on the level, you can choose one / two categories for free and buy one / two more for bonuses. In principle, the percentage for free categories is very good, on average 10% is a good indicator for the market. But with the paid ones, the situation is a little worse, here you need to wait for the official prices and see if the purchase of these categories will give some kind of exhaust. We remind you that you will receive such porridge for 3 months before revising your level.

Accrual occurs for all card transactions, except for cash withdrawals, payment utilities and making payments to the state (taxes, fines). If the purchase amount is less than 15 thousand rubles, the bonuses will be credited to your account within 5 working days, if more, then within 40 working days.

What can you spend bonuses on

As we mentioned above, points cannot be converted into rubles (except for level 4 clients), but Sberbank with a Molodezhnaya card provides the opportunity to pay with these very bonuses in stores. It should be noted that bonuses can be spent far from everywhere, but only from official partners. To do this, you need to select the desired offline or online store and select the amount that you want to write off from your loyalty program account. When visiting a retail store, inform the seller about your desire to pay “Thank you”.

Read also

Review of the card 100 days without interest of Alfa Bank

Registration in the program

If you already have a Youth Card from Sberbank in your hands, then in order to receive various rewards you need to register in the Thank you program, otherwise you will not receive any bonuses.

The whole process looks like this:

• register in the Internet bank Sberbank Online;
• go directly to the loyalty program page Thank you;
• in the Profile section, set the login and password for further access to your personal account.

There is another registration option - send an SMS to number 900 with the text THANKS XXXX, where XXXX is the last 4 digits of your card.

Privilege

Since July 1, 2018, there have been a number of changes in the Thank you program - now all privileges are divided into four levels: Thank you, Thank you very much, Thank you very much and Thank you more. The higher your level, the more different things you get, but first you need to earn your level and try to keep it.

So, everything happens as follows:

• draw up a card;
• connect to the program;
• start working hard on your level.

All new members of the program with a Youth card automatically start from the 2nd level. In order to preserve your privileges, you need to perform a number of so-called tasks every month for three months. As a result, you will either be left at the current level or promoted to the third. Now let's figure out what can be squeezed out of each level, and what tasks must be performed.

ATTENTION! To obtain a new level, you need to complete tasks of the desired category for three months, while you will receive privileges corresponding to the current level. Sberbank does not establish any restrictions related to the order of the transition, in other words there is an option to jump from the second to the fourth immediately.

Privileges by level

Level Thank you very much:

• cashback - 0.5%;
• up to 20% bonuses for purchases from partners

Level Huge ATP:

• cashback - 0.5%;
• two categories with a higher cashback to choose from;
• up to 20% from partners

Level More than ATP:

• cashback - 0.5%;
• four categories with an increased cashback to choose from;
• up to 20% from partners;
• it is possible to exchange bonuses for rubles

ATTENTION! In fact, only one / two categories with an increased cashback are provided free of charge, depending on the level. One / two more categories can be purchased for bonuses Thank you. True, the prices are still unknown, according to the bank's operator, such information will come only in October, which is quite logical, because the program was updated in July, so now all participants are at the second level, and will be able to advance further only in October.

Quests by level

Sberbank requires the fulfillment of all mandatory items, and one additional item to choose from.

Level Thank you very much.

Mandatory tasks:

• Card purchases in the amount of 5,000 rubles or more every month;
• The ratio of purchases to cash withdrawals on a monthly basis should correspond to the following proportion of 30% / 70%, and the amount of spending on the Molodezhnaya card from Sberbank can be increased up to 50% (for example, buy for 6,000 rubles, withdraw 14,000 rubles in cash).

Tasks to choose from:

• The entire billing period on your card must have a minimum balance of 10,000 rubles
• If you have a credit card from Sberbank, spending on it must be at least 10% of the credit limit.

Level Thank you so much.

• Card purchases in the amount of 5,000 rubles or more every month.
• The ratio of spending to cash withdrawals on a monthly basis should correspond to the following proportion 50% / 50%, and the amount of expenses on the card can be increased up to 85% (for example, you buy for 10,000 rubles, withdraw 10,000 rubles in cash)
• You cannot make payments using a Molodezhnaya card in branded ATMs and terminals, as well as in Sberbank branches (payments include purchases, payments for various services, including utilities, fines and taxes)

Tasks to choose from:

• The entire settlement period must have a minimum balance of 10,000 rubles
• If you have a credit card, spending on it must be at least 30% of the credit limit
• make at least one purchase every month during billing period using a smartphone, or the Sberbank Online application, or on sites Thank you Travel / Impressions / Online Market.

Level Greater Than Thank You.

• you need to buy in the amount of 5,000 rubles every month
• The ratio to cashing the account on a monthly basis must correspond to the following proportion 85% / 15%, and the amount of spending on the card can be increased up to 100% (for example, you buy for 17,000 rubles, withdraw 3,000 rubles in cash)
• You cannot make payments at branded ATMs and terminals, as well as Sberbank branches
• You must either make one valid credit card transaction, or open / replenish a deposit, and one of these actions must be performed every 3 months

Tasks to choose from:

• Keep a minimum balance of 10,000 rubles on the account for the whole month
• If you have a credit card from Sberbank, then spending on it must be at least 50% of the limit
• Make at least one transaction per month during the billing period using a smartphone, or the Sberbank Online application, or on sites Thank you Travel / Impressions / Online Market

One of the reasons for Sberbank's popularity is its focus on all segments of the population and age groups. Everyone can use Sberbank cards, even children from 7 years old. Today we invite you to consider the youth line of cards together.

The bank card of Sberbank "Molodezhnaya" is presented for 4 age categories:

• Children's card of Sberbank "Molodezhnaya 7+", opened as an additional card to a parent's account in the name of a child;
• Classic Sberbank debit card for youth 14+ (strictly under 25);
• Debit card Visa Classic Sberbank "Youth 18+" with a bonus system;
• Sberbank youth credit card 21+

Children 7+

This card is opened by parents for the child as an additional to the parent's main account. The cost of issuing the card will be determined depending on the rate at which the dad, mom or official guardian is served. On average, it is 150 rubles. An annual service fee is charged to the parent's account.

Naturally, the child does not receive full access to all funds, he is limited by the monthly limit set by the parents. The child will be able to use the card in shops and on the Internet.

The validity period of the child's card is the same as on the parent's main card.

Youth 14+

This is the first card that a teenager can issue with his own passport. The offer is valid strictly until the age of 25.

Tariffs, "Youth" card of Sberbank:

• Reduced service cost - 150 rubles. in year;
• The card is valid for 3 years.

The main advantage of the card is the accrual of up to 10% of “Thank you” bonuses for purchases made with its help.

This is an absolutely complete product suitable for cash withdrawals, non-cash payments and transfers with its own personal account in .

Youth 18+

Conditions and tariffs are absolutely identical to card 14+

Payment system for a Sberbank debit card - Mastercard or Visa Classic. At Sberbank, a youth debit card is most often opened by students who are periodically helped by their parents with money. No matter what part of Russia you are in, intrabank transfers are always received instantly, and within the same region, they are not even subject to commission.

You can apply for a Sberbank youth card online with: with the hero of your favorite cartoon, a beautiful landscape or your own photo. This is a great way for young people to stand out from their peers.

Youth credit card 21+

Sberbank is one of the few that allows you to receive credit cards from this age. Almost all other banks limit the minimum bar to 23-24 years.

In addition, youth 21+ is the only card that can be issued by students without a permanent job. A scholarship certificate is used as proof of income.

Conditions:

• Annual service - 750 rubles;
• Limit - from 15,000 rubles;
• The card is valid for 3 years;
• Grace period - up to 50 days (for non-cash payments);
• Interest rate - 33.9% per annum;
• Cash withdrawal fee - 3%, not less than 390 rubles;
• The cumulative daily limit for cash withdrawals is 150,000 rubles.

How to get a youth Sberbank card:

A 7+ child card can only be issued by parents on the basis of a child's birth certificate.

To issue debit cards 14+ and 18+, it is enough to come to the bank branch with a passport and issue an application for issue.

To get a youth credit card 21+, it is enough to present a passport and a certificate of income - scholarships or from a place of work for the last 6 months.

The criteria for selecting a debit card among young people are somewhat special. For young people, the main thing is that there are more places where you can pay with a card. Also, instant financial transactions and preferably remotely play a significant role. At the same time, the majority of young holders of debit cards are not at all important about the issue of commissions. The younger generation is ready to overpay, just to instantly conduct a transaction and not waste time in queues. The above signs of choosing a card allow you to find the most suitable banking offers for young people today. Based on this, the article presents a special chart that reveals to young people information about ten banks offering the most profitable debit cards. *

The phrase “debit card for youth” does not always mean that we are talking about “plastic” under the same name. There are quite a few banks that produce the mentioned product and give it a special name indicating the young age of the client. But this does not mean that a young client will be denied in any other financial institution that has not yet developed its "youth plastic". Therefore, the above phrase should be understood in two aspects:

• plastic card with a special name "Youth";
• any debit card suitable for young people according to the criteria they need.

In this regard, below are the proposals that best meet the requirements of young people. Including those without special marking.

The list of the best youth financial institutions is opened by Rosselkhozbank, which serves its debit cards on favorable and attractive terms. The high position of the organization was influenced by the huge selection of card products and the availability of a discount program that is just right for young people.

Having come to the Rosselkhozbank, everyone can get one of the following debit cards:

Various promotional offers, the presence of its own bonus system and a high percentage of credits to the client's funds helped to establish itself in the top ten leaders and Raiffeisenbank. The system of the institution is attractive in that for making purchases, customers have the opportunity to save money on the planned trip. It is in this direction that the bank has developed a whole accumulative system of bonuses. This approach is very attractive to the younger generation who travels actively.

The range of Raiffeisenbank cards suitable for young people looks like this:

• Classic Travel for comfortable and profitable travel;

For a wide range of choices, Uralsib Bank received a high mark. The organization offers a choice of classic salary cards and up to savings, bonus, social, contactless, charity and even Internet cards. Such a huge set impeccably attracts young people, since it helps to choose exactly the card that is needed.

As for the bank's products, they are presented as follows:

A wide range of card options, including paying for public transport, is also in high demand among young people. It is the well-developed and streamlined functioning of the latter option that helped Gazprombank take a firm position in the ranking of the most popular among the younger generation.

The bank offers the following set of cards:

• "Troika", which makes it possible to pay for travel in the capital city transport;
• “Leopardess Bary;
• "Express Card", which also has the function of cashless fare payment.

At the bank branch, customers will be offered to issue the following cards:

The high percentage of annual accrual on the balance of the card, as well as the bonus provided VTB24 Bank a worthy place in the TOP-5 among youth cards. The institution, in addition to charging additional interest, offers its customers many discounts when shopping in partner stores. Lovers of cashless payments have the opportunity to save up to 40% of the purchase price. Of course, such an offer is very tempting for young people, who mostly prefer to pay with a card. It is because of these advantages that VTB24 deserves a high position in the rating.

Customers and everyone who wants to get a card are offered the following options:

Remote service has always been popular with the growing generation. That is why the introduction modern technologies in customer service significantly raised the youth rating of Tinkoff Bank. Due to the lack of its own network of branches, the financial institution offers quite favorable and attractive conditions for servicing cards. Also, a feature of the bank is that the process of registration and account management is carried out through Tinkoff's website. This saves the client from collecting various certificates, a personal visit to the branch and, in turn, greatly simplified the procedure for obtaining a card. This approach is very welcome among the younger generation. Anyone can get a card in just a few minutes. At the same time, the bank also provides the opportunity to accrue interest on the balance of funds on the card, which is also very beneficial.

The choice of bank cards is presented as follows:

The youth tariff from OTP Bank opens the top three. The offer is unique in that it is specially designed for the needs of young holders and is very profitable. For example, the bank refused to charge young people for servicing a card account. In addition, the success of the product was facilitated by the presence of large limits on cash withdrawals from the card, the absence of commissions for non-cash payments for goods and services (which is very important), a free procedure for cashing out at OTP ATMs and other advantages. The product is quite capable of meeting the needs of young cardholders.

The deserved silver in this competition is received by cards for youth from Rosbank. This financial institution is one of the few that have developed a special line.

Here is the following set of debit cards:

• MasterCard Standard ISIC (or International Student Identity Card);
• MasterCard Standard IYTC (International Youth Travel Card).

Both products operate under attractive conditions and are able to meet the needs of today's youth. It should also be noted the capabilities of the first card from the list. Its peculiarity is that it simultaneously performs the function of a payment instrument and an international student identity card. This approach is unambiguously convenient and popular among young people. Only those who receive higher or secondary education can get the first card. All other categories of young people have the opportunity to use the IYTC product.

Youth card 14+;

1. Among the huge number of offers, choose only the one that is most suitable for you. You should not take a card whose functions are not useful to you. After all, there are many institutions that charge a fee for using the card. Therefore, in order not to overpay in vain, choose only what is necessary.
2. When deciding with the bank, attach importance to the terms of service of the card and the reputation of the institution. Customer reviews will help you decide on the reliability and service of the bank.
3. Choose those cards that will help you save money. We are talking about the accrual of interest on your own savings, the availability of savings accounts, as well as cashback.

Which are for young people. Anyone who has reached the age of 14 can open the card payment system Visa or Mastercard.

It should be noted that the youth card of Sberbank is in great demand and has favorable conditions repayment of borrowed funds, maintenance and use.

Credit youth card

Young people over 21 years of age can get a credit card at a special rate. Credit limit on the card is up to 200 thousand rubles. The credit limit is restored only after the debt has been repaid. The duration of the period in which no interest is accrued is 50 days. During this period a person can make any payment transactions and not pay interest for the use of borrowed funds.

Youth opens for a period of 3 years, and the interest rate is 33% per annum. It is worth remembering that if you cash out money from a credit card, then the grace period is terminated. Therefore, you need to use it only for non-cash payments.

Many people often wonder where to get a credit card and what may be required for this. Working and non-working students can receive a card to pay for their education in educational institutions, to pay for purchases and services. The card is issued through the online form on the Sberbank website. You can also contact any nearby bank branch and write an appropriate application. To issue a card, you will need a passport, income statement and scholarships.

Service

The cost of servicing a youth card depends on its type. So, the owner of the credit card must pay 750 rubles for its service. annually. You will need to pay 150 rubles for servicing a debit card. for each year of use. The debit card terms of service are as follows:

• deposit into account down payment - at the discretion of the holder;
• free card re-issue after the expiration of time;
• card issue in case of loss of the card or loss of the PIN-code - 150 rubles;
• funds are not deposited to the reserve account;
• use of individual design - 500 rubles.

Cashing out funds from a credit card is carried out only with a commission, which is at least 3% of the cash amount. If you withdraw cash from ATMs and branches of other banks, the commission increases to 4%.

Debit youth card

Young people who have an agreement with the bank to open and maintain an account can order a Sberbank youth card. The debit card is issued in rubles. With its help, you can use banking services, control your expenses and receipts. Sberbank offers its customers debit cards in various designs:

• standard image;
• own drawing;
• image from the bank's extensive gallery.

The standard card design can be seen on the institution's website. If the cardholder does not like the typical drawing, then for an additional fee he can order his own drawing. The design of the Sberbank youth card can be changed by contacting the bank branch. The youth debit card can be used to pay salaries, scholarships, and pay for purchases in any stores in the country and abroad.

In addition, holders of youth cards can pay for utilities, mobile phones. Payment transactions can be made through Sberbank Online. Also, young people have access to the "Auto payment" option. If you want to know how to get debit card, then all you need to do is fill out a questionnaire on the Sberbank website. It takes 10-15 minutes to process the application.

Should I Open Up: Pros and Cons

The youth visa card from Sberbank has many advantages. Young people who open a youth card are given an excellent opportunity to save time, control their expenses and plan a budget. The card allows you to gain financial independence and independently manage your money.

If you need a credit or debit card, it's best to go to Sberbank. A youth credit card can come in handy for solving financial difficulties. Students can pay with borrowed funds for tuition. The disadvantages of a credit card include the presence of mandatory monthly payments and paid annual service.

It should be remembered that any delays in the loan may negatively affect credit history, which in the future will make it difficult to obtain a loan in any banking institution, so you need to replenish the balance on the card in a timely manner.