Map "Molodezhnaya" (Sberbank): features, conditions of receipt, reviews

Sberbank of Russia regularly develops new banking products, they are aimed at meeting the needs of different categories of citizens, regardless of age and status. Such a card product as the "Youth" card, Sberbank has issued specifically for its young customers.

One of the advantages of using such a card is that when calculating in a store for a product or service, 10 percent of the amount in the check is returned to the card balance, as bonuses from the bank, which you can pay in the future for other products. In addition, the card holder can quickly and easily pay for mobile services by sending only a text message to a short number. Also, he can transfer money to another person, knowing only his phone number, pay for Internet purchases, and other options will be available to the user of such an advantageous product as the "Youth" card (Sberbank). Reviews about it can be found both positive and negative, but there are more positive ones.

Map Features

• The card can only be ruble, i. It can only store Russian rubles.
• The three-year validity period is the "Youth" card (Sberbank).
• The annual service cost is 150 rubles.
• Can be used for payment on the Internet.
• Accrual of bonuses for purchases.
• The card holder is offered to install a special mobile application for free.
• Within two months from the moment of connection, the "Mobile Bank" service is provided completely free of charge.

Bank requirements for the card holder

To whom is the debit card "Molodyozhnaya" issued? Sberbank of Russia grants it to individuals aged 14 to 25 years with a passport of a Russian citizen and registration in the region where the card will be issued.

If young people decide to issue a credit card for youth, then the age range will be from 18 to 30 years, and, in addition to the passport and registration, it is necessary to submit a certificate to the bank confirming the income of a potential borrower. Such a document can be obtained from the job, while the borrower should work there for at least six months. For full-time students, proof of income can be a certificate of scholarship.

You can also submit to the bank a certificate of scholarship together with a certificate from the place of work, in which case the work experience in the last place can be at least three months.

How to get a youth card?

You can apply for a youth card right on Sberbank's website. In the proposed form, you must enter personal information, namely: full name, address by residence, information about the place of work, contact information. Then you need to choose the most suitable for you the parameters of the card and the subdivision of the bank, in which it will be convenient for you to get it in your hands.

There is one more "chip" of the card - it is an opportunity to choose its design. Sberbank offers two types of design - standard and individual. When choosing an individual appearance of a plastic card, the future owner of the card can upload his photo or select from the drawings that Sberbank offers. But it's worth emphasizing that for an individual design you will have to pay 500 rubles extra.

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 receive a card by contacting any branch of Sberbank, but only in the region where you have a residence permit. You should have a document confirming your identity.

You may be interested in how much a Sberbank card is being made? The youth debit card will be ready in 2-3 weeks, you can pick it up at the office that you indicated in the questionnaire. Do not forget to bring your passport or any other document that can verify your identity.

A youth credit card of Sberbank is not issued remotely via the Internet. You will have to contact the bank twice: for the first time to submit documents and fill out the application form and a second time to receive the card. The decision to issue a credit card to a borrower is made by Sberbank for no more than three business days.

Conditions and tariffs for the card

The debit card youth "Sberbank of Russia" will cost you 150 rubles per year, and a credit card - 750 rubles. The conditions of the credit card provide for a grace period, which is fifty days, that is, for this period, interest will not accrue. The limit on the credit card is from three to two hundred thousand rubles, the interest rate for the use of borrowed funds is 24% per annum. In case the borrower needs to withdraw cash from the "Molodezhnaya" credit card, then the bank will take a 3% commission for this service.

How to replenish the "Youth" card?

There are several ways to replenish the card from Sberbank:

1. Non-cash way using Mobile Bank, Sberbank-Oilein service, special mobile application and SMS-service.
2. Cash in cash through ATMs and self-service terminals.
3. In the cash offices of other banking institutions - for this you need to know the details of the card;
4. In the cash departments of Sberbank branches.

Reviews of the holders of the "Molodezhnaya" card

Users of such a product as the "Youth" card (Sberbank) give different opinions. Some singled out the fact that the procedure for issuing a credit card is not ideal, because there is also a more progressive order of receipt. So, it can be possible to remotely apply for a preliminary decision from the bank to issue a credit card. Another negative point that Sberbank's clients singled out is that the terms on the credit card are not preferential and do not differ from the credit card terms for other categories of Sberbank customers.

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