Plastic cards "Momentum" in Sberbank: receipt, cash withdrawal, features

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Among all bank cards, Momentum plastic cards in Sberbank are still in the greatest demand. Receipt, withdrawal of cash, features of issuance favorably distinguish them from the rest of the line of plastic cards.  

Momentum series credit cards

Despite a number of limitations, these cards are extremely easy to use and in demand.

They have the following characteristics and features:

  • the maximum loan issued is 600 thousand rubles;
  • standard loan rate from 23.9%;
  • time to process the request and issue a loan - up to 15 minutes;
  • support for popular international systems Visa and MasterCard;
  • the main working currency is the ruble;
  • service life - 3 years;
  • grace period of crediting – up to 50 days;
  • there is no service charge;
  • embedded chip;
  • support for loyalty programs from Sberbank;
  • there are restrictions on receiving cash;
  • There is no personal information about the owner on the front side of the card.

Features of Momentum Cards

Credit cards of this series have a number of additional advantages:

  • work with international systems Visa and MasterCard;
  • give the opportunity to take an active part in bonus programs and promotions;
  • you can remotely manage your account and other functions through your Personal Account;
  • Reliable protection of personal data and funds on accounts. The security system is multi-level;
  • wide opportunities for cashless payments on the Internet and regular outlets;
  • the same restriction on cash withdrawals from ATMs owned by the bank and foreign partners of Sberbank;
  • easy and convenient replenishment of a credit card in various ways, including cash through self-service terminals;
  • linking Momentum cards to virtual wallets.

Restrictions on cash withdrawals from Momentum cards

Currently, there are the following limits:

  • daily limit when withdrawing from an ATM - 50 thousand rubles;
  • at the cash desk of any branch of Sberbank, you can withdraw 150 thousand rubles per day;
  • combined use of an ATM and cash desk of a bank branch - 150 thousand rubles;
  • other cash withdrawal options - 150 thousand rubles.

The above restrictions were introduced in March 2015 and are currently in effect.

How to get a Momentum card

To become the owner of a Momentum plastic card, you must meet the following criteria:

  • be a citizen of the Russian Federation;
  • be in the age group from 21 to 65 years;
  • have a residence permit in the passport in the region where the branch of Sberbank is located, where they apply for a card;
  • provide reliable information about the annual work experience over the past 5 years;
  • continuous work experience at the last place of work must be at least 6 months.

If all the above conditions are met, it is enough to visit a bank branch with a passport. An employee of Sberbank will accept an oral application and help with paperwork. After signing the contract, a Momentum credit card is issued. It is worth noting the high speed of receipt and free service.

Flaws

The cards of the Momentum series also have disadvantages. The absence of a surname and a name on the front side means that the card is impersonal, therefore it has a lower level of protection.

Also, such cards cannot be used for payment on the Internet, due to the absence of the cvc2 / cvv2 code. In addition, personalized cards have credit and cash withdrawal limits.

Cash withdrawal and payment from the card abroad

Despite the fact that there are no restrictions for non-cash payments through Sberbank Online and at ordinary retail outlets, difficulties may arise with the card abroad ( for more details, see the page ).

Detailed conditions for Momentum cards

Despite a number of shortcomings, Momentum cards are in great demand, because not every client has the opportunity to wait several weeks to issue a personalized card.

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