Few banks are willing to provide loans to people over 21 years of age without a stable source of income. Sberbank provides such an opportunity; a special “Molodezhnaya” card has been created for this purpose. The product is aimed at students and young people under 30 years of age. At the same time, in order to open a line of credit, you need to receive income, this could be a scholarship or accrual of funds from temporary part-time jobs.

Peculiarities

Credit card Sberbank youth cards are available in two types: Visa and MasterCard. This is ready payment instrument, which the client uses at his own discretion. In addition to using credit limit, the borrower can store personal savings in the account, link to a card online wallet and even receive a scholarship for it.

The name of the product justifies itself; citizens aged 21 to 30 can submit an application to the bank. Potential client must have at least 6 months of work experience at the last place of employment; you will also need to obtain a certificate of income from the employer in the form of a bank or 2-NDFL. Students are required to provide an extract from the scholarship or a supporting document from the university.

Terms and rates

Sberbank youth credit card includes participation in loyalty programs. For example, bonus program“Thank you” implies the accrual of bonuses for making purchases from the account, which can then be used in the stores of the bank’s partner.

Standard parameters:
Validity		3 years
Grace period		up to 50 days (applies only to non-cash transactions)
Bid		27,9%
Reissue fee if lost or misplaced		150 rubles
Credit limit		up to 200,000 rubles
Service fee		for the first year there is no charge, each subsequent year 750 rubles per year
Cash withdrawal limit		150,000 rubles per day when withdrawing funds from bank cash desks and 50,000 rubles from ATMs
Cash withdrawal limit	At Sberbank ATMs	3%, minimum 390 rubles
	In other banks	4%, minimum 390 rubles
Minimum payment amount		5% of the debt amount
Penalty for missed payment		36% per annum on the balance

All of the above parameters are the same both within Russia and when using a credit card when traveling abroad. However, the conversion fee for cards (Viza) is 2%.
Clients can apply for a Sberbank youth credit card:

• age – from 21 to 65 years;
• presence of Russian citizenship;
• permanent registration on the territory of the Russian Federation.

By the way, the borrower can order both standard plastic and individual design. On the Sberbank website you can select a picture or upload your own. For such a service an additional fee of 500 rubles is charged.

Advantages and disadvantages

Reviews on the Sberbank youth credit card are mixed. On the one hand, this is a great chance to get a good credit history and in the future apply for, for example, a preferential mortgage. On the other hand, when official employment You can find an option with more attractive conditions in the same Sberbank.

Typically, the client is provided with a small limit (from 15,000 rubles). But in the future, with careful use, it can be increased to the maximum limit.

How to apply

The application procedure is carried out both at a bank branch and via the Internet.

An online application for a Sberbank youth credit card saves time, since after approval the client only needs to go to the branch and sign the agreement. On this moment by mail like this securities are not forwarded.

The loan program of most banks is designed for already working people over 21 years of age who have a regular income and a certificate of income. While students are given the opportunity to take out loans on an individual basis, which is not always convenient and takes much more time to process than using a simple credit card.

Sberbank decided to simplify the problem; for this purpose, a youth credit card was created for people under 21 years of age. Naturally, the program softens the requirements for the borrower. But this approach also has a negative side. Let's look at all the advantages and disadvantages of the youth program.

The main advantages of a youth credit card

Among the main advantages for the client, it is worth highlighting:

1. A credit card allows you to borrow at any time, within the limits established by the limit. There is no longer any need to look for someone to borrow money from; all you need to do is take a card from your wallet and pay for your purchase.
2. Client can choose international system services for credit cards: Visa or Mastercard. The card itself is multi-currency, allowing you to make loans in dollars or euros. Bill payments are also available online shopping from your personal account.
3. Credit limits are set until the debt is repaid, after which they are renewed again. That is, the figure of 50 thousand rubles per year is the total debt limit, after which, after repayment, you will again be able to withdraw money without resorting to an overdraft.
4. The grace period allows you to make interest-free loans, returning the funds within 50 days and without paying a commission. However, this only works when paying for goods or services with a credit card. Regular transactions and cash withdrawals – no grace periods.
5. Ability to maintain expense statistics using mobile banking or utilities for a smartphone. Anywhere in the world, you can track the accrual and withdrawal of funds, maintaining control over each transaction performed. And the Sberbank Online service allows you to make transactions via the Internet, spending just a few minutes entering the CVV2 code.
6. Sberbank has branches and terminals throughout the Russian Federation and CIS countries, which means withdrawing funds without commission is much easier than in the same Tinkoff Bank. And in any, even the smallest city, you will find at least one access point to your savings.

But the program also has its drawbacks.

Disadvantages of the card

Any product has its pros and cons; there are no ideal credit cards. The youth card has two such stumbling blocks:

1. The service fee is paid upon receipt of the card, and often even when the contract is drawn up. In other words, before you have received the product, you will already have to pay 750 rubles, and, in the future, make such payments once a year, until the expiration date. At the same time, there are no periods of “inactivity” when you can freeze the card and deduct several months from the total fee, as in high-level Sberbank products. Most banks make the first year completely free, and then the client decides for himself whether to refuse the service or pay for it. You won't be given that choice here.
2. High commission for any transactions, compared to mid-level credit cards. If you want to withdraw funds, be prepared to pay 4 percent of the total amount or at least 30 rubles for the opportunity to complete the operation. Absence grace period for cash payments is a common practice used almost everywhere, but it will also come as an unpleasant surprise. The same applies to payment utilities and simple transactions, interest will begin to accrue to you from the moment the transaction is completed.

Such features of the program seriously increase the costs of clients if they pay for something incorrectly. Ultimately, this leads to destabilization economic situation our youth and “working for debt” for several years after graduating from university, which naturally benefits the GDP, as well as the bank itself, no matter how sad it is.

Thus, if you have no other source of income other than a scholarship, then treat loans with extreme caution. Review all the terms of the contract before you sign it, paying particular attention to the fine print.

Decor

The terms of the contract are as flexible as possible in order to attract the largest number of clients. Target Audience services are students and unemployed youth, therefore, as a certificate of income, it is enough to provide an extract from the dean’s office. But a big plus will be a debit card issued at the same branch to receive scholarships. It is better to have a small reserve of funds on it, this will increase the chances of getting the desired interest on the loan and a slightly higher limit. In order to sign up for the service and receive the product the very next day, all you need to do is come in person to the nearest Sberbank branch, taking with you:

1. Passport.
2. An extract from the dean's office.
3. Printed and executed agreement, if you have already downloaded it from your personal account.

After completing the contract, go through all the points again. Approach a free consultant and ask for help. Before handing over papers, you have the right to ask for a copy of them, according to the resolution central bank. It is better to copy the documentation, especially if it contains empty fields without dashes.

Conclusion

Such a program allows ordinary students to move into adulthood and gain their first lending experience. Also, there will be good decision design youth card and use it periodically if you need to get a loan for business development in the future, but now you don’t have any credit history.

They are hiding behind relaxed conditions for receiving a credit card. high interest rates for a refund, so before you make a loan, think about whether you can return the money during the grace period. Do not make transactions that are not subject to interest-free repayment of the debt within 50 days, as this may backfire.

I hope our tips were useful to you. See you on the pages of the site!

Video

Young people are a category of clients of Russian banks that require special conditions of service. For students and young people without a permanent place of work, separate credit products, which are distinguished by extreme loyalty and ease of concluding a contract.

For example, a citizen can open a debit and credit account at the same time. This will create reliable protection against financial risks in the event of negative economic situations.

Sberbank and other responsible financial organizations can provide a student with a loan for a year if there are grounds for this. At the same time, long-term contracts must be supported by certain guarantees:

• risk insurance service;
• registration of collateral;
• appointment of a guarantor;
• income certificate.

The limit is set depending on the overall wealth of the applicant. For example, in a loan request you can talk about your own liquid assets. This will allow you to get more a large sum money in rubles. When requesting a small loan, you will not need an income certificate.

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. Application for registration financial assistance can be applied for online. To do this you need to select financial institution and go to her 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 a decision on the loan amount is made based on general data. The client receives a response almost instantly.

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

Youth cards may not have a specific purpose. This feature is another characteristic 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.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the map will be ready in 2–3 business days; in the regions, production and delivery will take from 3 to 10 business days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.

What documents are required to receive a card?

To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program at personal account Sberbank Online and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.

Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.

It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.

How can I use THANK YOU bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners, full list partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the “Thank you from Sberbank. Travel” website). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.

How can I find out my card details?

To find out the details, go to mobile application Sberbank Online find the desired card and click "Show details".

Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.