Youth card in Sberbank

Sberbank is a leader in the banking sector not only in terms of capitalization, the number of branches, but also in terms of the variety of offers. Each category of Russians will find among them the most suitable for themselves, according to their status and age. An excellent gift has been prepared for young people in the form of an inexpensive but functional Visa Classic card - a youth card in Sberbank.

Youth card and its possibilities

According to the terms of Sberbank, every young person who has reached the age of majority has the right to receive a Youth Visa Classic And with the consent of parents or other legal representatives - from 14 years. Since the card is designed for a certain age category of citizens, the maximum age of the user is 25 years.

To obtain a card on your own, it is enough to have a Russian passport, where there is a mark on temporary or permanent registration. If not, then bank employees will resolve this issue individually. A card is issued for the usual 3 years, then it will need to be replaced.

The annual maintenance of the youth Visa Classic will cost only 150 rubles, which is 5 times less than the same card for adults. Each of its owners will spend only 12.5 rubles on maintenance every month.

Although the card belongs to the youth category and is inexpensive, this does not diminish its dignity in any way.

Visa Classic from Sberbank - Youth debit card has the following functions:

1. Cash out money at ATMs of Sberbank, its subsidiaries abroad without charging a commission, that is, free of charge.
2. Pay for services, goods in stores equipped for this.
3. Purchasing services and goods online is as safe as possible. For this, the most modern 3D Secure technology is used, which allows you to always identify the cardholder, which means significantly reducing the possibility of fraudulent activities.
4. Accumulate, spend bonus points from Sberbank partners under the popular program Thank you. According to its rules, any cardholder has the right to make purchases by paying with points up to 99% of the value of the goods.

All of these operations can be performed, controlled using all known Sberbank services (Sberbank Online, Mobile Bank). Also, the owner of Visa Classic has the right to contact the Sberbank support service for help and advice around the clock.

How to get a youth card

Registration of youth Visa Classic:

1. Submit an online application or apply in person at any branch of the bank . In this case, you should take your passport with you.
2. Wait for Sberbank to produce the required card - it takes 3-15 days.
3. Having received information about readiness from Sberbank employees, come for it to the indicated branch with a passport.

Sberbank allows you to choose the design of the card yourself. To do this, just specify a photo from social networks, upload an image from your computer or select from the Sberbank database.

You can order a card with a personal design on a special page of the Sberbank website.

You can choose brightness, tonality, logo color, background color. The only disadvantage of this procedure is that it will take a little longer to receive the card.

How to top up your youth card account

The youth card in Sberbank is a standard card with full functionality, so you can replenish it in any of the following ways: through an ATM (terminal), transfer between cards, at a bank branch.

With its help you can:

• receive transfers. For example, parents will be able to transfer money using the Mobile Bank by sending just one SMS to number 900. The money will come instantly;
• apply for a scholarship. To do this, you must report its number to the accounting department of the educational institution;
• transfer scholarships from accounts, cards of other banks.

All of these operations can be performed and controlled using the Mobile Bank. This service is designed to manage your account from any mobile device (tablet, smartphone). Access using a computer can be done using another service - Sberbank Online. To do this, you need to register your Personal Account, having received an identifier. You can do this by calling the Sberbank support service.

Any of the bank's services will allow not only to receive money, but also to perform all the necessary operations: transfer funds, pay for purchases, utility bills, replenish mobile phone accounts, pay for the Internet.

The main division of youth Visa Classic in Sberbank is debit, credit

At Sberbank, a youth Visa Classic can be of only two types - debit (the conditions for obtaining and using it are described above) and credit . The last option with its functionality is no different from the debit one.

But there are significant differences in design:

1. youth credit card is issued to people over the age of 21.
2. Those wishing to receive a credit Visa Classic must have income (which can be a regular scholarship) and confirm this with a certificate of income.

The conditions of the youth credit card of Sberbank are as follows:

1. The loan amount is up to 200 thousand rubles.
2. The grace period is 50 days. That is, no interest will accrue during this time.
3. Rate up to 27.9%.
4. Service will cost 750 rubles.

The use of own funds is allowed, that is, if the scholarship is transferred to a credit card, and there is no need to repay the debt, then the card can be used like an ordinary debit card. Each owner of a credit Visa Classic has the right to use bonus, promotional programs - buy discounted tickets for air and rail transport, order travel services. All this is possible with the help of the program Thank you.

In addition, the owner of a credit card has the right to receive bonus points when buying clothes, shoes, products and other goods and services. Bonuses, as in the case of a debit card, can reach half the cost of purchases in all Sberbank partner stores.

A Visa Classic credit card is issued for 3 years. You can use Sberbank Online, Mobile Banking, which makes it easy to manage your account, including purchases, money transfers, topping up your phone balance, paying for the Internet.

To obtain a Visa Classic credit card, you must submit an online application or go to a bank branch, providing documents (passport, 2-NDFL certificate confirming income). After notification of the readiness of the card, you need to come to the branch of Sberbank and pick up the card.

So, the Youth Card in Sberbank Visa Classic is presented in debit and credit versions. Everyone has the right to choose the one that suits his desires and needs.