The pros and cons of the youth card of Sberbank

"Youth" card from Sberbank are intended for young people aged 14 years. As with all plastic cards, it has its characteristic advantages and disadvantages.

The description "Youth"

Map "Youth" can be released in two payment systems - Visa Classic and MasterCard standard. Distinguish between debit and credit cards. Cards are issued for a three year term. The cost of maintenance depends on the type of card and 150 rubles. per year for debit and 750 R. for credit.

Credit card is the interest rate at 24% and credit limit is determined individually for each client and ranges from 3 to 200 thousand.

To obtain a card you must contact the Bank branch, or fill in the form on the website of Sberbank. To obtain a debit card, the customer must be a citizen of the Russian Federation in the age from 14 till 25 years. In the number of documents requested includes only the passport. To apply for a credit card Bank also also ask for proof of income 2-pit, or a certificate of scholarship. Credit card is available only to full age citizens of the Russian Federation.

The advantages and disadvantages of the "Youth" card from Sberbank

"Youth" card from Sberbank can be produced with an individual design, i.e. the client can choose the image of the map. A credit card can make even the unemployed student and debit - available to students.

Credit cards come with a grace period of 50 days. In this period, you can use the borrowed funds without interest.

Another advantage of the card "Youth" is a free SMS-notification about all transactions on the account.

Like all cards of Sberbank Visa Classic and MasterCard standard, they provide the possibility of remote account management via the Internet-Bank "Sberbank Online", and also with your mobile phone or tablet ("Mobile banking"). "Youth" card can be tied to their electronic purses (WebMoney or Yandex.Money) to transfer funds between them in real time. This can be particularly popular among freelancers, who receive payments to e-wallets.

All card transactions are protected by 3D-secure (payment confirmation via SMS), which is an additional guarantee of safety of funds if you pay in the online store. The security card is further supported by the release of their format secure chipped cards.

On the cards is the bonus program "Thank you" for each payment by Bank transfer. Bonuses can be exchanged for discount in many shops-partners.

Among the disadvantages are the high cost of annual maintenance and Commission for cash withdrawals on credit cards (3%). It is important to note that unlike many other banks, in the savings Bank for a cash withdrawal does not extend the grace period. Another drawback is that for balance enquiry in third-party banks are charged a Commission of 15 R.