The provision of debit credit cards is becoming more and more popular. Even pensioners who got acquainted with all the amenities, benefits and advantages of cashless payments began to use such services. Some clients are afraid of difficulties in obtaining such services that may arise with registration. To do this, banks develop specialized offers that are issued instantly. One of them is the Sberbank Momentum card, what it is, we will understand below.

Features of offers from the bank

Sberbank Momentum card

The Momentum card is divided into credit and debit cards. Sberbank provides a service for issuing them free of charge. Customers can use them to pay for services and goods, to deposit finance into an account and receive money from an ATM.

The credit card offers favorable credit conditions to bank customers, it is similar to the offer from Maestro Momentum. It is a loan that the client receives on the condition of return and payment within the established limit.

The advantage of the offer is that it is issued on the day of application. In comparison with standard products, the conditions of the Momentum card from Sberbank have only a few restrictions - this makes the offer more popular and widespread.

Product advantages:

• fast issuance at the time of contacting the bank;
• no payment for annual maintenance and release;
• the ability to pay for purchases via the Internet and offline stores;
• free activation of Sberbank services for remote account management (in mobile banking or Sberbank online);
• the opportunity to use the “Thank you from Sberbank” program for accumulating gift points and purchasing new purchases at their expense;
• no commissions for withdrawal and replenishment of funds;
• transfers without commissions between Sberbank accounts.

The disadvantages of the proposal include:

• inability to use abroad;
• charging fees for withdrawing funds from other ATMs;
• low security in comparison with other similar proposals;
• solution of some issues only in the territorial bank;
• low cash withdrawal limits.

Credit and debit cards

The user is issued a Sberbank Momentum debit card in a couple of minutes after filling out the corresponding application, which is issued by bank employees. The advantage is that you only need your passport to complete the application. Immediately after this operation, the client receives an envelope with an account number and a PIN code. A card will be linked to the account number, which will be activated by a 4-digit code entered at the ATM. The main services of the product are payment for purchases in stores, cellular or landline communications at ATMs, utility bills and fines.

A credit card is issued also quickly. Interest rate - up to 20% And credit limit is not more than 150 thousand rubles. Sberbank account holders are provided with a free annual service. The main requirements for a potential borrower are age 25-65 years, Russian citizenship, work experience of one year, provided that 6 months of them the citizen worked in one place.

Terms of use of the Sberbank Momentum card

Before you receive a Momentum card from Sberbank, you should familiarize yourself with the terms of its use. After receiving the banking product, you can use it immediately, no separate activation is required for this. The owner must put funds on a debit card in order to pay for services or purchase items by bank transfer.

You will also be provided with a login (identifier) ​​and password to enter Sberbank Online. This is a program by which you can track your finances, manage them and always be aware of your transactions.

With regard to the use of a credit card, after each purchase, the available limit will be reduced by the amount written on the check. The debt can be repaid in any amount, which should not be less than the established limit. After the card is replenished, the limit will increase and it can be used again if necessary.

The process of replenishing an account is no different from using cards from other banks. You can replenish your card account in one of several convenient ways:

• non-cash transfer of money from the account of another bank;
• transferring funds from one card to another;
• making transfers from a simple account in the Savings Bank;
• through a terminal or replenishment of the balance at an ATM.

Competitive features of a credit card include:

• free maintenance for 12 months and release;
• the ability to determine the credit limit depending on the amount of income of the cardholder;
• the presence of an interest-free period during which you can use funds without commissions. This period depends on the amount of the limit, it can be 50 days.

From this April (2016) Maestro cards Momentum Sberbank canceled, as an alternative, you can use free cards of Mastercard and Visa payment systems.

Product duration

The front side shows the expiration date of the product. Since its release validity period is one year after that it will need to be replaced. To change an unnamed card to a new one, you will not have to draw up a questionnaire again.

14 days before the end of its service life, a message arrives on the phone with a request to visit a bank branch and receive a ready-made card instead of the old one. A new card is made approximately 7 days before the deadline.

Card service

So, servicing a Sberbank Momentum card includes the following nuances:

Additional opportunities for using the product include remote account regulation in online mode: money transfers, participation in special promotions and discount programs, activation of the Autopayment service.

Instant money cards are functional and suitable for daily use. Their main advantage is free maintenance and release, convenience with a small financial turnover. If you need to get a more functional banking product that can be used outside the country and perform transactions with large amounts, it is better to use other offers from Sberbank.

The Momentum card is universal and is characterized by the presence of free annual service for account holders with Sberbank of the Russian Federation. You can issue a card in 15-20 minutes, it has a credit limit of up to 150 thousand rubles.

The Momentum card is universal and is characterized by free annual service for Sberbank account holders. You can issue a card in 15-20 minutes, it has a credit limit of up to 150 thousand rubles, the loan rate is 25.9% per annum. Visa and MasterCard Momentum holders of Sberbank of Russia can use the optimal range of services and count on the right amount of money anytime and anywhere. You can get a card on the day of contacting the bank, and you do not need to have anything with you except your passport. The Momentum card is the ideal solution for successful business people who want to keep up with the times.

How to get a Sberbank Momentum bank card

Getting a Sberbank Momentum bank card will not take much time, you no longer need to wait 2 weeks. If approved by the bank, you will receive the card on the same day. The following requirements are put forward for Sberbank clients: obligatory citizenship of the Russian Federation, age from 21 to 65 years inclusive. An applicant for a card must be permanently registered in Russia, in the region where he expects to receive a card. A positive decision in favor of the client is made if his total work experience is not less than a year, and for the last 6 months he must continuously work in one place.

How to activate the card

After receiving a Sberbank Momentum card, you can start using it immediately. No separate activation is required. All that the cardholder needs is to put on her money, after which you can pay for services and buy goods by bank transfer. Immediately after receiving the card, ask the ATM for the balance, print out the check - the balance will be zero. At a Sberbank ATM, you can change the password automatically assigned to your card to the one that is most convenient for you. It's easy and doesn't take more than five minutes.

How to use a Sberbank Momentum card

Using the Sberbank Momentum card is very simple. This process is no different from using other cards of similar banks. When making purchases, pay by card or, if necessary, withdraw cash from it. The available limit after each purchase will decrease exactly by the amount that is written in the check. Repay the debt with any amount not less than the monthly limit set by the bank. After topping up the card, the limit will increase and will be ready for use again if necessary.

How to top up the card

You can replenish the Sberbank Momentum card account in any way convenient for its holder. This process is not much different from other banks. You can make a cashless transfer of funds from a card account opened with another bank. It is possible to transfer funds from card to card (if both cards are issued in Sberbank of the Russian Federation). Transfers are also made from a regular Sberbank account. You can deposit funds on the card through a payment terminal or replenish the balance in cash at an ATM. As you can see, there are many options - choose the one that suits you the most.

Sberbank Momentum card conditions

It is worth saying that Sberbank issues an instant Momentum card on very favorable terms. This card can compete with any personalized counterparts. The most important conditions: 100% free card issue and the first year of service - this allows the owner to save a lot. You can set a certain credit limit, depending on the income level of the cardholder. There is an interest-free period within which you can use the bank's money without interest - depending on the amount under the limit, this period is up to 50 days. The Sberbank Momentum card has a fixed interest rate of 18.9%.

Withdrawal limit

Depending on the income of the cardholder, the bank sets its own withdrawal limit for it, which can vary from several tens to several hundred thousand rubles. Here everything is individual and the decision is made by the bank. To receive a card with a credit limit for taking baths, you must fill out a questionnaire, indicate your age (at least 21 years old and not older than 65 years old), permanent citizenship in the Russian Federation and residence in the region in which you order the card. Everything is simple!

Validity

The validity period of the Sberbank Momentum card is indicated on the front side of the card. From the date of issue, it is valid for 12 months, after which it is subject to mandatory replacement. To change this unnamed instant issue card to a new analogue, you do not need to fill out the questionnaire again and wait. As a rule, two weeks before the end of the term of use, you will receive an SMS from the Sberbank operator with a request to come to the bank and receive a new card that has already been issued to replace the old one. Usually, by the time a client arrives, his new card has already been stored at a bank branch for at least a week.

Credit card Sberbank Momentum

By ordering and receiving a Momentum credit card, you can count on the Thank You from Sberbank bonus program, as well as discounts and special offers from two international payment systems: Visa and MasterCard. Thanks to the remote services "Mobile Bank" and "Sberbank Online" you will always be aware of the operations that are performed on the card, you can always get a report for the required period and see the balance of funds. Holders of this card can set up the "Autopayment" function and use it to pay for housing and communal services, the Internet, television, cellular communications and other services. You can replenish the card either in cash through a terminal or a bank teller, or non-cash by linking it to WebMoney or Yandex.Money electronic wallets.

Check card balance

To get up-to-date information about all transactions made over a certain period of time, to find out the amount of the balance on the Sberbank Momentum card, you need to choose one of the most convenient ways: receive a monthly report on the card from Sberbank to your e-mail. You can activate the "Mobile Bank" service and receive SMS notifications on your phone. Contact the contact center of Sberbank of the Russian Federation and find out there. Finally, you can independently register in the Sberbank Online Internet bank and generate reports at your discretion. In this case, you can select and group periods, view transactions made on the card, per day, week, month.

Card reissue

Having ordered and received a Sberbank Momentum card once, you do not need to worry about its validity period and further reissue. All this will be done for you. After the expiration of the card validity period, you will receive a notification to your e-mail, mail or phone about the need to come to the regional branch of the bank (the one where you originally issued the card) and pick up the already reissued analogue, the validity of which will also be 12 months. Funds remaining on the account of the old card are automatically transferred to the new one.

How to close the card

The card itself does not need to be closed. The main thing is that there are no loan debts left on it. If, after the expiration of the validity period of the card, you consider its content inappropriate, you just need to come to the branch of Sberbank in which you opened the account and close it by returning the card to the operator, having previously withdrawn all remaining funds from it. That's all.

There are two types of Momentum cards from Sberbank. Each variety has its own capabilities and terms of service, they are united only by the fact that such cards are issued instantly when the client contacts the bank, and the name and surname of the cardholder are not embossed on the front side of the card.

Instant issuance cards "Momentum" Visa Electron and Maestro from Sberbank

Sberbank uses Visa Electron and Maestro Momentum cards very widely; these are entry-level cards that allow you to make cashless payments in Russia for free and withdraw money from Sberbank ATMs.

Momentum Visa Electron and Maestro cards have, in a sense, replaced demand deposit savings books. The card is issued to the client immediately after opening an account, including social cards for transfers and pensions.

When you connect SMS-informing for a small fee of 20-30 rubles per month, you can be aware of all receipts and debits from your card account and control your finances. With a Visa Electron, Maestro "Momentum" card of Sberbank, you can pay in stores with installed Sberbank terminals, pay for utilities at an ATM, in your personal account or using a mobile bank.

It is impossible to pay for services on the Internet with such a card, since on the back of such a card there are no three digits used in card payments on the Internet. But if you connect to a personal online account of Sberbank, you can pay within the online account for the services provided by Sberbank.

Cardholders can transfer funds to the accounts of friends and acquaintances. If the recipients' accounts or cards are opened with Sberbank, then no commission is charged for the transfer. Sberbank provides an opportunity to top up an e-wallet account in Yandex.Money for free, which in turn allows you to pay for almost any purchase on the Internet.

Visa and MasterCard Momentum cards

Visa and MasterCard Momentum cards with a credit limit of up to 150 thousand rubles are issued only to those customers who have received a personal offer from Sberbank. If you use this card using bank funds, then it is advisable to make all payments only by bank transfer.

When withdrawing credit money at an ATM or at the cash desk of Sberbank, the grace-free interest-free period on the card is canceled, it is up to 50 days. In this case, a commission is charged for the issuance of cash in the amount of 3% of the amount and not less than 199 rubles. The commission for cash withdrawals from ATMs of third-party banks is 4% of the amount and not less than 199 rubles.

The card is accepted for service at any ATMs and terminals installed in the trading network, where there is a Visa and MasterCard badge.
You can pay by card online. The card has all the additional features provided by Sberbank and electronic payment systems Visa and MasterCard.

On this card, transfers of credit funds from an account to another account of the holder and to the accounts of any other users of Sberbank cards are prohibited, this is prohibited so that it is impossible to withdraw money from an ATM account, thus maintaining the grace period.

After the end of the grace period, if the money is not deposited to the card account, interest is accrued on the balance of the debt on the card, in the amount of 18.9% per annum. If it is not possible to repay the loan in full, you can limit yourself to repaying the minimum payment amount monthly.

The bank informs the payment amount by SMS 20 days before the maturity date. You can view the amount of the minimum payment in your online account. After the repayment of the payment amount, the interest for the month is deducted from the account, and the rest of the amount contributed to repay the loan can be used at the request of the client.

If there is no credit debt on the account, then the card acts like a regular Visa or MasterCard card. You can take the card with you abroad, but pay attention to whether the card has an electronic chip, if it is not available, the card may be denied service outside of Russia. After the expiration of the card, Sberbank issues a personalized Visa or MasterCard credit card for the replacement card holder.

It is impossible not to pay attention when studying Sberbank card products that the Momentum debit card receives very flattering reviews due to free service and speed of registration. But, before making a choice, it is worth learning about its features and disadvantages.

The main conditions for the release and circulation of instant plastic

Plastic in its main characteristics is very similar to traditional products. It has slightly fewer features that not every client needs. For example, if you do not plan to use the card abroad or make online purchases, then Momentum will be a more profitable option.

Due to the free service and instant issuance, the card is especially popular.

Product differences that may be disadvantages are as follows:

1. The product is valid for 3 years. Once completed, it cannot be extended. The account needs to be closed, but if desired, a card of a similar format can be issued again.
2. In case of loss, theft of plastic, it must be blocked. But it is not possible to reissue a new product to an existing account. It will need to be closed (money will be issued from it at the bank's cash desk).
3. (even if it is lost) is impossible.
4. Online stores and trading platforms rarely allow you to pay with primary-level cards (these include Visa Momentum Sberbank debit), because they have a low degree of protection compared to others.
5. When used abroad, some operations are not available. Some simple functions (withdrawal of funds) cannot be performed even in subsidiaries of the bank.

Also, the product cannot be issued as a salary. Of course, the shortcomings are very significant, but for a number of consumers they are not such in view of the lack of demand.

Features of the Sberbank Visa Momentum card and how to get it

Plastic has a wide range of possibilities. They are almost identical to the main classic cards:

• Top up in different ways: deposit through the cash desk of a bank that accepts banknotes, transfer from another card (your own, on behalf of someone else, from a product holder of another bank).
• Withdraw cash: receive at the operating cash desk of the institution, through an ATM.
• Transfer: to your card, to the card of another holder or other institution.
• Pay for: products, bills, services. By details, plastic number, online.
• Connect automatic transfers to systematic types of payments (telephone, housing and communal services, loans in other institutions).
• Connect services for remote control and for a number of procedures (Personal Account, Mobile Banking).

Parameters of the card product and conditions for its issuance

The process of issuing a card

The issuance of the card is very fast and, unlike all other products, in the presence of the client. The whole procedure can take no more than half an hour. It looks like this:

• Visit the branch, contact a free operator. Since the product is specific, there is no online procedure for obtaining it.
• Report your needs, listen to information about the card product: opportunities, limits, restrictions.
• Fill out the form, sign the contract. Data is entered according to the passport. Its presence is mandatory, but no other documents are required.
• The employee issues the card. All information about it and the pin code are contained in a sealed envelope.

Plastic has a standard appearance, the difference is the lack of a name on the front side. The rest of the information is posted in the appropriate places:

1. card number;
2. day, month, year of issue;
3. security chip.

A prerequisite for opening an account today is the signing of an UDBO agreement. It gives a few more options for managing the card. UDBO unites all card accounts, making it possible to perform transactions between them and see a more complete picture of your savings and expenses.

Existing limits and restrictions on transactions

When registering a product, it is worth knowing about a few more restrictions that Sberbank has set for Momentum (debit) - withdrawal, spending and replenishment limits.

The Sberbank Momentum card has several additional features

For withdrawals at ATMs and cash desks of the bank, the following restrictions are provided:

1. For the day: 50 thousand rubles;
2. For a month: 100 thousand rubles.

A commission fee is provided. If you need to receive more funds at the cash desk than provided for the day, you will need to pay a commission - 0.5%. If you conduct a transaction at a bank or ATM that belongs to another territorial branch of the banka, the commission will be 0.75%. The same commission is provided for exceeding the daily limit when withdrawing money.

It will not be superfluous to know that in other banks and ATMs such an action will not work. This also applies to subsidiaries of the banking institution itself, which are located in Ukraine, Kazakhstan and Belarus. If the account is opened in a currency, the limit is the same amount, but in the equivalent. Accordingly: 1200 euros or 1600 dollars.

It is not allowed to deposit more than 10 million per day to the account. Similarly, the restriction on the acceptance of foreign currency for such accounts is calculated.

Permissible daily expenses for withdrawing money

As for consumption, the limit is up to 100 thousand rubles per day. Spend or transfer a larger amount will not work. When using the card at retail outlets, no commission is charged.

The procedure for registration and requirements for the client when issuing plastic

But the service and issuance of a debit card is free of charge. It is this factor that is usually decisive in the choice.

Conclusion

Instant issue debit cards have long been in demand among Russians. The reasons for such popularity lie in the speed of registration and free maintenance of the product. At the same time, such “availability” has negative aspects: limiting the limit for withdrawing money, it is not possible to reissue and restore plastic after loss or theft. Plastics manufactured before 2016 do not have a security chip.

Updated: January 2020

When becoming a client of Sberbank or opening any bank card, an individual can receive a Momentum instant credit card, which is issued on the day of application in 15 minutes. The Momentum card belongs to the Visa and MasterCard payment systems and can be an effective financial instrument if used correctly.

Article navigation:

What it is?

There are 2 types of instant card "Momentum" from Sberbank:

• The first is a debit instant bank card, which can be obtained with virtually no restrictions.
• The second is credit, which is a profitable option for Sberbank customers.

Terms of Service

First, consider the Momentum debit card, as the easiest to obtain and use. Its holder can be an individual over the age of 14 years.

For its registration, you will need to visit the bank office and sign a number of documents.

You can activate quick cards with the first transaction that requires the use of a PIN code.

The Momentum card is made in 1 day, does not require payment for service, allows you to make transactions without commissions and is easily replenished in any available way.

When using an instant card, a number of features and limitations should be taken into account:

• The Credit Momentum credit card limit does not exceed 600,000 rubles.
• The interest rate will be about 23.9% per annum.
• The Momentum card is valid for 3 years.
• The minimum payment in the amount of at least 5% of the total debt is paid monthly.
• Cash withdrawal from an instant withdrawal card is possible only with a commission. The Momentum card is designed mainly to pay for purchases on the Internet and in regular stores where the appropriate payment terminals are installed.
• Despite the fact that a Visa or MasterCard card can only be opened as an anonymous one, its details allow you to conduct secure transactions on the Internet. Withdrawing funds from ATMs of other banks may cause an additional commission from a third-party bank, as with the cards of the Classic group.
• Like a debit card, a Momentum credit card is issued and serviced free of charge. Reissue also does not require additional investments.

How to get a?

The Momentum debit card is available to anyone over 14 years of age.

You can count on a special offer if the following conditions are met:

• The presence of citizenship of the Russian Federation.
• The holder must have a permanent registration in the region where the instant credit will be issued.
• The work experience of a citizen for the last five years must be at least one year, and the length of current work on the terms of official employment for at least six months immediately before issuing a card with an instant decision of the bank.

You can get an instant Credit Momentum credit card only if a personal offer has been received by a Sberbank client. It usually indicates the approved limit that the fast bank card will support.

Also, a free plastic card that supports credit terms of use is more likely to be offered to those who already have a Sber payroll card.

The instant card is issued only on Sat, this product cannot be issued online.

Payment Methods

Another advantage of the Momentum credit card is a convenient term for interest-free payment of debt on the card, which is also a grace period.

If the amount withdrawn from a credit card is returned to it within 50 days, then no interest will be charged to the account holder.

In the event that the term set by the bank is not enough for repayment, a commission will be set on the amount of the debt, as with a regular loan.

How to close the card?

If the client does not plan to use a Momentum debit or credit card, he can close it at a Sberbank branch.

• In the case of debit plastic, it is enough to simply close the account and issue the relevant papers with a bank employee.
• As for a credit card, before closing, you need to make sure that there are no debts on it. In accordance with the rules for servicing credit cards, the closure of the account will be made 30 days after the repayment of all debts on the credit account and the submission of an application for its closure.

The physical plastic carrier of an instant card of any type will not need to be handed over to a banking organization.

However, must be checked whether all paid services are disabled for this card and account. This applies to SMS informing and insurance, but there may be other functions.

Additionally, you should make sure that the bank is informed about the client's unwillingness to reissue the card.

An instant card, whether it is a debit Visa Electron, which is issued according to the passport within 15 minutes, or a credit Master Card, which does not even require a preliminary application, is the best tool for banking operations.

Both types of Sberbank cards are issued in one day, they can be ordered at any branch of Sberbank, plus, unlike the Classic line of cards, the client does not have to wonder how much the card service costs.

For many users of the services of a banking organization, this offer looks like a convenient and simple system of interaction with the bank.