Youth debit card from Sberbank

• You can get the card for free — the bank does not charge a fee for its issuance. However, using it will not be free for you. The maintenance cost is 40 RUB per month. At the same time, you can use the card for free if you meet one of the conditions:
  • pay for purchases in the amount of 5,000 RUB or more per month;
  • receive your scholarship on the card;
  • pay for the SberPrime Start, SberPrime, or SberPrime+ subscription.

  If you want to receive information about transactions and charges, you can subscribe to the relevant service. The cost of transaction alerts is 99 RUB per month, or 40 RUB per month if you receive social benefits or pension payments on your card. If you have a SberPrime Start, SberPrime, or SberPrime+ subscription, this option is free.

• You can top up the Youth SberCard for free using standard methods:
  • with cash at SberBank ATMs and cash desks;
  • in cash at partner bank ATMs;
  • via transfers from other banks by card number;
  • via transfers from other banks by phone number through the FPS.

• You can withdraw cash without commission at Sberbank ATMs, subsidiaries, and other banks within approved daily and monthly limits. If you exceed them, you will have to pay an extra 1%, but not less than 150 RUB.You can find the daily and monthly tariff limits in the Youth SberCard terms within your personal account.

You can transfer money without commission between your accounts up to 30,000,000 RUB per month, and to other Sberbank clients up to 50,000, 100,000, 500,000, or 1,000,000 RUB per month. You can also transfer funds for free to other banks by phone number via the Faster Payments System (FPS) up to 100,000 RUB per month. If you exceed this limit, you will have to pay a commission of 0.5%, but not more than 1,500 RUB.

1. The Youth SberCard, like a standard card, features a rewarding bonus program. Each month you can choose from three to five elevated cashback categories. The amount depends on whether you have a SberPrime subscription.
   

   Without subscription

   Without any subscription, you can choose three elevated cashback categories each month. Sberbank awards up to 5% on purchases in these categories. You can also get 0.5% on regular purchases outside of categories, capped at a maximum of 2,000 bonuses per month.

   SberPrime Start

   With the SberPrime Start subscription, you can choose four elevated cashback categories each month. Sberbank awards up to 5% of the purchase value in these categories. You can also earn cashback on purchases outside of categories at a rate of 1% of the spent amount.

   For regular purchases, the bank awards no more than 5,000 bonuses per month.

   SberPrime

   With the SberPrime subscription, you can choose five elevated cashback categories each month. The bank awards up to 5% of the purchase value in these categories, as well as 1% on regular purchases outside of categories.

   The maximum reward amount is 10,000 bonuses per month.

   SberPrime+

   The terms with the SberPrime+ subscription are practically the same as with the SberPrime subscription. You can choose five elevated cashback categories each month, with the bank awarding up to 5% on purchases. You can also get 1% on purchases outside of categories, up to a maximum of 20,000 bonuses per month.

   Regardless of whether you have a subscription, you can also earn up to 70% on purchases at Sberbank partner stores.

The Youth SberCard does not provide interest on the account balance. However, if you have savings and want to earn a small passive income from them, you can open a savings account with a yield of up to 16% per annum.

The maximum interest rate on the savings account applies during the first 3 months from the opening date for those who have never previously opened a savings account with interest on the daily balance or the "Daily %" savings account.

Starting from the fourth month from the opening date, the basic interest rate applies. It is 10% per annum.

Pros:

• free card issuance and reissuance upon expiration;
• free use of the mobile app and online banking;
• free card maintenance subject to conditions;
• free card top-up with cash at Sberbank cash desks and branches, via card number transfer, and through the FPS;
• free cash withdrawals at Sberbank ATMs and cash desks, its subsidiaries, and other banks within limits;
• free transfers between your accounts up to 30,000,000 RUB per month, to other Sberbank clients up to 1,000,000 RUB per month, and to clients of other banks via the FPS up to 100,000 RUB per month;
• cashback accrual of up to 70% on purchases.

Cons:

• paid card maintenance if conditions are not met;
• high fees for cash withdrawals and transfers when limits are exceeded;
• no interest on the card balance.