Sberbank youth credit card

The financial institution offers a wide range of programs for obtaining plastic media under different conditions. The Sberbank youth credit card (which can be obtained at any branch of the institution) is one of these products, designed specifically for young people. The conditions differ from the standard offer, since the client’s possible low income is taken into account. This is done to attract a wider audience and provide financial assistance to students and young professionals.

Plastic media can be issued in two types: debit/credit. In the first case, you will only have to pay for maintenance (the annual cost is 150 rubles). Having a payment instrument of this type at hand is quite convenient and comfortable.

The Sberbank youth credit card, the conditions for obtaining which are slightly different from the debit card, is suitable for those who need a small amount under a profitable program. In addition to receiving borrowed funds, all carriers (Visa/MasterCard) participate in bonus offers from partners.

However, first of all, it is worth clarifying the conditions for obtaining and using a Sberbank youth credit card:

The cost of annual maintenance is only 62.5 rubles;
The grace period extends to 50 days. Automatic termination when withdrawing funds from ATMs. It is not recommended to use credit card to receive cash. In this case, it is better to get a cash loan;
There is no interest rate during the grace period. The Sberbank youth credit card allows you to return the used funds within 50 days without overpayment;
Any citizen of the Russian Federation over 21 years of age can apply. For debit cards, the minimum age is 14 years;
Students who do not have a permanent job are allowed to receive a youth credit card, the terms of which will not change depending on the availability of a permanent job or part-time job;
The maximum amount available for lending is 15 thousand rubles;
The plastic is effective for 3 years. The owner can terminate cooperation early by completely repaying the debt and blocking the media.

How can a client receive and complete an application for a Sberbank youth credit card? Everything is quite simple. A citizen can use the official web page of a banking institution or personally visit an office branch. Before understanding the intricacies of the registration procedure, it is worth noting the favorable conditions offered by the bank to young professionals and students.

Despite the fact that the limit indicated is low (up to only 15 thousand rubles), users who consistently make payments on time may receive an offer to increase the maximum amount. In addition, if you confirm your financial condition and income level, you can order a standard Sberbank credit card with an increased limit. Any citizen of the Russian Federation over 21 years of age can complete the procedure.

How to get a credit card from Sberbank

Issuance occurs according to a standard procedure; there are no special features other than a minimum package of documents. A person wishing to receive a Sberbank youth credit card will need to present a passport and registration. To receive the maximum allowable amount, it is necessary to provide data and certificates regarding your income level, workplace and confirm the information.

How to apply online for a card

Online application for Sberbank youth credit card is carried out on the bank’s website. You need to follow a few simple steps:

Go to the official Sberbank page;
Select a youth credit card from the products;
In the new window, click on the online application button;
Next, two methods will be offered - for those who have a personal account with Sberbank online and for those who want to use the bank’s services for the first time;
Follow further instructions.

The online application and conditions for filling out the questionnaire are implemented quite simply and quickly, even for those who are performing such an operation for the first time. How to get plastic after the online application has been accepted by the bank? It’s simple - an SMS will be sent to the specified number at the moment when the youth credit card is in the nearest branch. You must take your passport with you and pick up your payment instrument.

If the online application and the conditions for its execution are uninteresting/inconvenient for a potential client, you should go to the nearest bank branch and contact a Sberbank employee with the question of applying for a youth credit card and how to get it later.

Conclusion

In addition to favorable conditions, all potential participants in the Sberbank youth credit card program should familiarize themselves with the bonus offers from partners. In general, such a payment instrument is quite convenient. Using plastic, if necessary, you can spend a small amount, which you can easily return during the grace period.

Plastic cards with a limit, aimed at students under 25 years of age, are called youth cards. They differ in minimum requirements for borrowers and preferential terms. Youth credit cards are issued by Sberbank and. Other organizations offer similar products.

The card limit is set individually, after analyzing the borrower’s credit history and solvency. Having property and a permanent place of work contribute to receiving a large sum. The validity period of the plastic is up to 5 years, depending on the lender.

Requirements for borrowers

Customer assessment criteria depend on the specific bank. For example, Sberbank issues a credit card to citizens of the Russian Federation over 21 years of age and under 65 years of age. It is mandatory to have permanent registration in the region where the bank branch is located.

At Vostochny Bank, Russian citizens aged 18 to 21 have the right to receive a credit card. A mandatory requirement is employment and receiving a stable income. Experience in current position – from 3 months. Registration is also required.

Documentation

Plastic is issued using 2 documents – a passport and an additional identity card (foreign passport, driver’s license, SNILS or TIN). Proof of income will be required upon request. and higher. Certificates are valid for 30 days.

Lending terms

Tariffs for young people differ little from standard offers:

Free service and a reduced rate at Sberbank are provided for borrowers who have received a personal offer. It is made to holders of debit cards with a turnover of RUR 30,000 or more. per month, owners of deposits, salary clients, etc.

The Vostochny Bank credit card rate of 78.9% per annum is charged when withdrawing cash. Tinkoff sets an annual rate of 49.9% when cashing out the limit.

Based on the conditions, the cards are suitable for paying for goods and services, and not for withdrawing cash. There is no grace period for transfers and withdrawals of funds.

Design features

Applying for a youth credit card is easy. Visit the official website of the lender, select the appropriate product and submit your request. The request indicates only the desired loan amount; the remaining conditions (term and method of issuance) are set by the bank by default.

Next, fill out a questionnaire consisting of 3-5 blocks. The questions concern personal information, place of work, credit history, property owned and other information. Based on the responses received, the bank conducts an analysis, sends queries to the database and assigns a scoring score to the user. Sometimes the data is clarified with the borrower or people whose contacts are presented in the questionnaire.

The assessment is completed within 15 minutes, after which a preliminary response is communicated by phone or SMS. If the decision is positive, the bank manager announces the conditions and sets a place and time for receiving the credit card.

If the bank gives a negative answer, a re-application is submitted at least 3 months later.

Reasons for refusals

The main reasons for refusal to issue a card:

Large credit load. Having more than 3 outstanding loans, even without overdue ones, will negatively affect the rating.
Lack of work. For banks, unemployed citizens are at high risk because they cannot confirm their income and guarantee repayment of borrowed funds.
Frequent job changes. A sign of frivolous behavior and low solvency.
Negative CI. The presence of overdue loans, non-repayment of money, participation in court proceedings for the return of overdue debts will not allow you to issue a loan.
Criminal record. Having an outstanding criminal record, being a suspect in a criminal case, or serving a sentence in prison will result in a 100% refusal.
Presentation of false information. Indicating incorrect data in the form is a common reason for refusal to issue plastic.
Non-compliance. The application is rejected if the borrower does not meet all the bank's criteria.

If you are refused without explanation, it is recommended to send a request to the BKI to find out your own credit history. One free test is available on the Equifax website. Fill in passport details, full name, place and date of birth. A prerequisite is to undergo personal identification (methods are indicated on the BKI website).

On the Tinkoff and Sberbank website, a detailed request costs 580 rubles. The answer includes data on loans, delinquencies, and organizations requesting your credit history over the past 5 years. The report indicates the scoring score. The service is available to authorized users.

Signing the contract and receiving a credit card

If the answer is positive, the borrower is invited to the bank’s office to sign the agreement. Some organizations practice courier delivery. Original passports and other documents specified in the application will be required.

Before signing the agreement, make sure that insurance and other optional fees are not included in the agreement. The total cost of the loan must be equal to the annual interest rate. The contract specifies the conditions for early repayment - penalties and commissions are not allowed. Penalties for late payment - up to 20% per annum, accrued on the amount of the principal debt.

After signing the agreement, the plastic is transferred to the borrower.

The youth credit card is ready for use after activation. Call a toll-free phone number, send an SMS, perform any transaction at an ATM, or contact a bank specialist. The plastic is activated instantly, after which access to credit funds opens.

Paying off debt and closing a credit card

If there is a debt, a minimum payment is charged monthly (up to 10% of the debt amount + interest). Money is deposited on the day specified in the agreement through ATMs, payment terminals, transfer from a debit card, etc. For failure to make the required payment, the borrower is subject to penalties - increased interest and penalties. The data is transferred to the BKI and forms a negative KI.

Closing a credit line is possible if there is no debt. You won't be able to close your account with debt.

To close a credit account, visit a branch of the organization with your original passport and write an application to terminate the agreement. The review period is up to 40 calendar days. After this time, a letter is sent to the client’s postal address notifying that the account is closed. Additionally, contact a bank branch and obtain a certificate of no obligation.

Summary

Credit cards for young people are practically no different in terms of conditions from classic offers. The advantage is reduced age and income requirements.

Read reviews and reviews on our website and apply for plastic.

One of the conditions for obtaining a bank loan is confirmation of employment or stable income. Many young people who have recently graduated from school and entered a university combine study and work, but the salary does not always allow them to cover all their needs. And free money during this period of life allows you to dress fashionably, improve your intellectual level, attend cultural and sporting events, and travel.

Our bank has developed products aimed at students. In order to get a credit card you need to go to our website. Afterwards you need to provide a passport and confirm your income for the last three months.

Credit card information

Loan information:

Features of using cards

Credit cards from 18 years of age are issued without refusal, issued and reissued free of charge. You can use your credit card immediately after receiving an SMS message about activation. Usage options:

cash withdrawal from ATMs;
payment at retail outlets;
purchasing goods via the Internet;
payment for tickets, hotel accommodation, etc.

The card provides a grace period for those over 18 years of age. It applies to non-cash payments for goods and services, but does not work when making cash transactions. Provided the loan is fully repaid by the end of this time, no interest will be charged on the funds spent. Determining the end date of the grace interval is simple:

the number of days remaining until the end of the billing period should be added to the date of the first purchase;
25 days of the payment period must be added to the received date.

When making multiple purchases, the cost is calculated separately for each.

You can withdraw the entire amount or only the required amount from the card. Interest will be accrued solely on funds spent.

Be careful

Debt repayment can be carried out in any amount, but you should remember the following:

the contribution should not be less than the monthly mandatory payment. A reminder of its size comes in the form of an SMS message;
Payment must be made no later than the date specified by the bank.

By complying with these conditions, you will be able to take full advantage of the grace period and renewable

You can become a bank account owner from the age of 14. It is at this age that the Sberbank Youth Card is issued as the main one. It is a debit card and is designed for comfortable management of personal funds. From the age of 21, the bank allows you to issue a Molodezhnaya credit card. Both types of cards have conditions of use that are favorable for young people.

More information about the Molodezhnaya card

This card has three varieties, which depend on the age of the applicant:

14-25 years old;
18-25 years old;
21-30 years old.

In the first two cases, the cards are debit. The third type is credit.

Debit cards are not very different. They have similar terms of registration and use. It is convenient to store the owner’s personal funds in such accounts.

You can also perform various transactions using a debit plastic card:

Accept a salary or stipend for it. To do this, just provide your account number to the accounting department of your educational institution or enterprise.
Top up your card in all possible ways: using online transfers from other cards and accounts, through ATM, through a bank branch.
Convenient mobile account replenishment without any commissions. The procedure requires telephone, where there is an online Sberbank application. If this resource is not connected, you can use SMS banking. It's not difficult to set it up yourself.
Interest-free cash withdrawal from your account at any Sberbank ATM.
Payment for any services and online purchases.
Control over the expenditure of funds using banking or mobile banking.

From the age of 21 you can also get a Youth credit card. It has a grace period of up to 50 days. The rate is 33%, and the cost of service for the year is 750 rubles. To receive, you need proof of income - for example, a certificate of receipt of a scholarship. The bank allocates a maximum of 15 thousand rubles for the first loan.

The capabilities of a credit card are completely similar to those of a debit card. The only difference is conditions cashing out funds. For this operation you will have to pay a 3% commission if you withdraw money from Sberbank terminals, and 4% if you withdraw money from a terminal of another bank.

Advantages of the “Youth” card

Youth debit card known for several significant advantages:

Card service is 5 times lower than others - only 150 rubles. for a year;
Possibility of using MasterCard or Visa;
The card is valid for 3 years;
Free renewal after the end of the period;
Free connection to mobile banking.

You can also activate the “Thank you” bonus program, which returns up to 10% of the total purchase amount. Bonus money is intended for new purchases. One bonus earned is equal to 1 promotional ruble. Many reputable stores and services support this program.

In addition, the user has access to 24-hour service in the Sberbank Online Internet system and all types of money transfers.

Many young people earn extra money on the Internet. To quickly and conveniently receive well-deserved royalties, you can link your card to electronic wallets. There is also the opportunity to order a card with a unique design - you can choose it from the existing gallery in the bank or offer your own version. The service is paid. Costs 500 rubles.

You can order a card with contactless payment technology. Simply swipe the card over a reader with a “wave” icon - and the payment is paid. Another advantage of this card is its popularity on social networks. In particular, on Instagram. With the hashtag #everythingiseasy, you can find other users of the same card or learn about new promotions and offers from the bank.

However, there are several nuances in the terms of use:

There is an age limit - no older than 25 years;
Using a mobile bank is 2 times more expensive than the standard rate, and amounts to 60 rubles per month.

How to get

The Sberbank of Russia Molodezhnaya debit card is issued without the consent of the applicant’s parents. It can only be obtained by Russian citizens with registration in the country, aged 14 to 25. There are two main ways to apply:

Visit the nearest bank branch. The card is produced and delivered within 1-2 weeks.
Leave an online application on the official Internet portal. There is a special form that needs to be filled out. Sberbank employees review the electronic application within 2 business days. Next, it should take about 14 days to produce the card. When it is ready, staff will contact the applicant by phone number. The card will be available get at the selected bank branch or order it for home delivery.

For the “Youth” card you need a basic set of documents:

ID card (passport of a citizen of the Russian Federation)
a certificate certifying permanent or temporary registration in the country.

If it is necessary to issue a credit account, a certificate of income is also added to this list.

A credit or debit card is provided to both working and non-working students.

So, the “Youth” card from Sberbank is a profitable product for teenagers and students. With its help, young people gain financial independence, learn financial literacy, and can also accumulate bonuses for purchases and entertainment. Not every bank allows a teenager to fully manage their product. At Sberbank, clients over the age of 14 receive a full list of benefits and opportunities that make life more comfortable. That is why this card is in such demand among young people.

Video: Sberbank Youth VISA card

Apply for a youth credit card

Youth credit cards can differ significantly from traditional Visa and MasterCard accounts. Such loans are issued for a short period of time. An application for financial assistance can be completed online. To do this, you need to select a financial organization and go to its website. The user will have access to a questionnaire form in which the following data is entered:

place of residence and registration;
passport details;
amount requested;
contract time;
basic information about the applicant;
the need to use additional services.

After submitting the application, the information is sent to the credit center, where, based on general data, a decision is made on the loan amount. The client receives a response almost instantly.

Making a credit card does not take much time, because modern information technologies allow you to quickly process data and make the right decisions.

Youth cards may not have a specific purpose. This feature is another characteristic of banking products for young people. In view of this, the client can use the money received at his own discretion without having to provide a report to the company.