Holders of debit and credit cards of Sberbank have the opportunity to connect to a bonus program called "Thank you". Thanks to it, you can accumulate points and exchange them for various discounts in stores and other institutions that are partners of this system. However, in order to successfully use all the possibilities, you need to know how many Thank You bonuses are stored and in what situations they burn out.
About the program
Since the number of financial institutions is increasing every year, each of them is trying to retain old and attract new customers through various promotions and loyalty programs. Although Sberbank is one of the most famous banks in Russia, it has also developed a special system so that cardholders can save on purchases.
The Thank You from Sberbank program has a large number of partners in every region of the country. This makes it very easy to take advantage of all its benefits. To do this, you need to pay for purchases and services in these outlets using a credit or debit card of this bank. At the same time, bonus units are credited to the account of the program participant. Their number depends on the amount of the check and the conditions on which this organization cooperates with the bank.
Healthy! Various partners offer 0-10% cashback from the check amount. However, some shops or cafes return up to 20% of the reward to the client's bonus account. To use the most advantageous offers, you can see in advance the list of organizations cooperating with this system on the official website of the action spasibosberbank.ru.
After accumulating a sufficient number of points on the account, the program participant can pay with them up to 90% of the cost of any goods or services in those establishments where such an opportunity exists. In addition, various promotions are provided for customers. This can be an increased cashback for a certain period or the provision of special promotional discount codes in various stores.
Recently, different levels of privileges have appeared in the Thank You from Sberbank system. In order to move to a higher level and receive additional benefits, you need to complete tasks. A full list of rules can be found on the offer website in the Privilege Levels section.
How to get involved?
A credit or debit card user of this financial institution can choose one of three ways to register in the system:
- at an ATM of this bank;
- using Sberbank Online;
- through mobile banking.
Point expiration date
To get the maximum benefit from participating in the system, it is worth knowing when the Thank You bonuses expire. There is a period of time during which a person can spend points to pay for any goods or services.
After accruing bonus units to the participant's account, he is given a period of 3 years in order to use them. In the event that during this time they were not used for their intended purpose, this receipt of points on the balance is canceled. This procedure is carried out every month.
Interesting! The client can spend the reward at the last moment in order to prevent it from burning out. To do this, information containing the amount of bonuses with an expiring period appears in the upper field of the participant's personal account.
It is also worthwhile to understand that the accrual of bonus units may occur some time after the purchase is made in the store. When concluding a partnership agreement with a bank, a specific period is determined for each organization, during which it is obliged to credit the cashback to the client's account. And the validity period of "Thank you" bonuses is calculated from the moment the points are credited to the balance of the loyalty program participant.
Important! There is an opinion that the points burn out with the onset of the new year. It is erroneous, since their expiration date depends only on the date they are credited to the client's account. The end of the calendar year is irrelevant in this matter.
Other points cancellations
In addition to a certain period of validity of bonus units, there are a number of other situations when “Thank you” from Sberbank burn out. They are also worth knowing in order to prevent the irretrievable loss of accumulated rewards. Such cases include:
- absence of any bank card transactions within 1 year;
- system error, as a result of which a cashback was received on the participant's account for a purchase that he did not make;
- return of goods or payment for a service for which the client received a bonus reward;
- termination of a banking service agreement with a financial institution;
- no renewal of the card at the end of its validity period;
- exclusion of the cardholder from the list of persons participating in the loyalty program;
- liquidation of the partner of the system, which has receivables, or when the organization is declared bankrupt.
It is possible to find out the exact reason for the cancellation of the reward. To do this, you need to submit an application.
Balance check
In order to prevent the burning of points, it is worth checking the bonus account in a timely manner. There are several ways to do this:
- at any ATM of the Central Bank;
- using the Sberbank Online service;
- in a special mobile application "Thank you";
- when sending SMS to number 900.
The user can select any of the above options. It is worth checking the balance status if you are going to make a purchase using bonuses. This is necessary to avoid unpleasant situations at the cash desk of the institution associated with the cancellation of part of the remuneration.
Thanks to the “Thank you from Sberbank” campaign, participants get an excellent opportunity to purchase selected goods in popular stores with big discounts. To successfully use this offer, it is important to monitor the expiration dates of accruals and spend them in a timely manner.
Those who use various banking products from Sberbank are in most cases aware of the Thank You program and the benefits it provides. Unfortunately, accumulating bonus points can sometimes be easier than spending: in order to, you need to fulfill a number of conditions. Therefore, the question of the validity period of bonuses Thank you from Sberbank is quite relevant, because no one wants to lose the benefits and the opportunity to save.
How long are the bonuses
Since the activation of the program, changes have been made to it more than once. That is why today, those who are looking for information about the validity period of Thank you from Sberbank can find data that is very different from each other. The thing is that over the years of the functioning of this bonus program, the bank has changed the conditions for its customers. So, from the original 12 months in 2105, the duration of the Thank You bonuses has been extended to 24 months, and last year to 36 months.
However, it is a mistake to believe that if the Thank You bonuses from Sberbank have not expired yet, then nothing will happen to them. The conditions for granting points indicate that in some cases they can be written off regardless of when they were accrued. And in order to avoid burning, you need to know exactly the deadline for crediting bonuses Thank you from Sberbank.
How to check expiration date
To find out how many points are in your account, when they can burn out, and to have time to prevent this, you must do one of the following:
- Use an ATM. This is the most common way to find out the validity period of bonuses Thank you from Sberbank. After inserting the plastic into the ATM, you need to select the tab - the bonus program, after which the current program about your participation in the promotion will open. This method has one drawback: only the number of points is visible, but not their validity period.
- Through internet banking. In your personal account registered on your card, you can always find out not only how much you have in your account Thank you from Sberbank, but also the validity period of the bonuses. To do this, you will need to expand the "history of transactions" menu, view the dates of accrual of points and add 36 months to them.
- Through SMS notification. From the phone number linked to the card, you should send an SMS to 6470. The message should contain only one character - the number 9. Within a minute you will receive a response message indicating the number of accumulated points. The service is paid, the cost is three rubles.
As you can see, the only way to find out not only the amount, but also the validity period of Thank You bonuses is to use the Personal Account features on the bank's website.
Can points expire before their expiration date?
Unfortunately, they can. In some cases, clients, wishing to know the term for crediting Thank You bonuses and, accordingly, the period of their validity, suddenly find that there is nothing on the account. This is possible in two cases:
- No card transactions for 12 months. If your card, on which the bonus program is activated, has not been used to pay for purchases, withdraw cash or make a transfer for a whole year, all accumulated bonuses Thank you from Sberbank, the validity period does not matter in this case, will be canceled.
- Termination of the contract with the bank. The terms of use of Thank you indicate that this program is provided exclusively for bank customers. Therefore, those who decide to stop working with Sberbank may not count on additional privileges.
In connection with the above reasons for burning points, we can come to the conclusion: it is better to always have up-to-date information about bonuses at hand
Other reasons for missing points
If you still remain a client of the bank and at the same time constantly use its card to perform various transactions, but the points are still gone, do not rush to panic. Perhaps your Thank You bonuses have not yet expired, and the reason for burning out is completely different. There may be several of them:
- Liquidation of a partner Thank you: Sberbank sets the validity period for bonuses to be the same for all its partners, however, if a store closes and ceases to function, then all points accrued to customers under the bonus program will be written off.
- Cancellation of partnership: if suddenly one of the partners decides that they no longer want to participate in the program from Sberbank Thank you, the expiration date of bonuses ceases to play a role - they will be completely canceled.
- Participation of the client in the action. The habit of our fellow citizens to automatically put a mark “I am familiar with the rules”, even without reading them, has played a cruel joke with them more than once. So, sometimes promotions are held, in order to participate in which you must confirm your readiness to completely reset the bonus account. Those who agreed to participate, without realizing that all points are being liquidated, may be unpleasantly surprised by the bonuses that have disappeared.
Here are listed only the most common reasons why Thank you bonuses from Sberbank, the expiration dates of which still allowed them to be used, suddenly disappear from the account. In fact, the situations may be different, and if you do not understand why the bonuses have become smaller, contact the bank for clarification.
If you know you have Thank You bonuses that are about to expire, find a way to spend them. This may require you to make an additional purchase to bring your points back up to redeemable points.
And if you have Thank You bonuses on your account, which are expiring but cannot be used (insufficient amount), find out about the possibility of transferring them, for example, to charity. Such actions are provided for by the terms of the program.
If you have any disputes regarding unauthorized debiting of points, immediately contact the support service, providing, if possible, up-to-date data on the program Thank you.
A large number of Sberbank customers take advantage of the Thank You bonus program, which offers cashback transactions with each use of a credit or debit card issued by this bank. Therefore, users of plastic payment cards are often interested in whether "Thank you from Sberbank" bonuses burn out or not.
This issue is of particular importance for those bank customers who regularly pay with cards for goods or services, due to which a large number of cashback points are accumulated on their individual accounts. In this case, it is important to be aware of whether bonuses are reset and in what mode this happens.
Detailed legal information on this issue can be found on the official Sberbank portal, on the page dedicated to this loyalty program. At the bottom of the page there is a section "Program Rules", by clicking on which, the user gets access to legal information governing all aspects of the cashback promotion. However, dry and confusing legal formulations are not easily perceived by all people. Therefore, in order to use the accumulated reward points in time, it is enough to know the basic points about whether they burn out and when it happens.
Do "Thank you from Sberbank" bonuses burn out?
Ignorance of the key rules of the cashback promotion leads to the fact that after the loss of bonus units, its participant may think about where the points have gone, which could be used to significantly reduce the cost of purchases in stores and partner companies of Sberbank. To avoid such unpleasant surprises, you need to know exactly how long reward points are valid from the moment they are earned and how quickly they need to be used.
At the same time, you do not need to think about whether bonuses expire at the end of the year or on some calendar dates. Yes, bonus units have time limits of validity, however, they depend solely on the individual mode of using the payment card of the client of this financial and credit organization. What do you need to know in order to spend reward points on purchases in partner stores of the bank in time?
Bonus expiry date
First of all, you need to understand that there is a limited validity period for "Thank you from Sberbank" bonuses. How long do Thank You points last and how quickly should they be redeemed? The expiration date of the virtual prize unit is 36 months from the date of their accrual to the individual account of the bank's client.
The date of such crediting may not coincide with the date of the purchase, as a result of which the cashback operation is carried out. This is due to the fact that a certain period is given to the partner company for crediting bonus units, which is clearly defined in the partnership agreement with the bank. In any case, the card user should be aware that he has 3 years to use the bonus points accrued today.
Maintaining the validity of bonuses during this period also depends on the activity of using the payment card by its owner. If within one year no payments are made with it, all bonus units are automatically canceled by the bank. This does not happen when changing the card.
You can often hear erroneous opinions that bonuses are canceled after a card change or after a calendar year. No, when reissuing a Sberbank card, all accumulated cashback units are retained. In addition, if additional cards are linked to the already existing card account of the client, they can be used to write off bonus points as a partial payment for products in stores and partner companies of the bank.
Is not some boundary date of December 31st. Each bonus unit is officially registered at the time of its accrual to an individual account. Only from this date does the countdown of its validity period begin. The end of the calendar year is irrelevant.
Why and when do "Thank you" bonuses expire?
Thus, in order to know exactly when the "Thank you from Sberbank" bonuses that are stored on a special virtual account will expire, you need to know the date they were accrued. However, there are other reasons why bonus units already accrued can be canceled, in addition to the expiration of the three-year period. According to the rules of the promotion, such reasons are:
- termination of the contractual relationship between the bank and the client regarding the use of one or more card products registered as part of the loyalty program;
- exclusion of the cardholder from the number of participants in the cashback promotion due to actions aimed at unfair and fraudulent use of payment instruments within the loyalty program;
- return of goods, upon payment for which bonus units were accrued;
- the impossibility of the partner company, which has accrued an increased percentage of cashback, to meet its obligations (this may occur due to bankruptcy, closure, corporate merger of the company, as well as due to the termination of the partnership agreement with Sberbank);
- erroneous accrual of bonuses due to technical failures.
In order to find out exactly the reason for the cancellation of part or all of the bonus points that were on the individual account of the bank's client, it is necessary to submit a claim according to the procedure fixed in the legal rules for the promotion. However, most often, payment card holders are interested in how to find out how many bonuses are on the card in the current period and whether those bonuses that the person knew about before have not burned out.
How to check if "Thank you" is burned out?
If the procedure for obtaining information about why bonus points burned out is quite complicated and lengthy, then finding out how many units remain valid is as simple as possible. For this, the most accessible information means are used. When points from Sberbank do not expire, their number on the individual account of the owner of the payment card can be found through an ATM, Internet banking, mobile application or SMS service of Sberbank.
It is advisable to use one of these methods if a person is going to make a purchase in a partner store with partial payment in bonus units. To avoid unpleasant surprises at the checkout due to missing points, it is advisable to make sure that they are available in advance.
Through an ATM
All activities of the loyalty program can be monitored by periodically checking the current information about the bonus account using an ATM. To do this, you need to carry out the following manipulations:
- insert a plastic card into the receiver;
- log in by entering a pin code;
- click on the section "Bonus program" in the lower left corner of the screen;
- view the balance of the bonus account.
It will not work here to find out directly when the points from Sberbank will expire. However, at an ATM, you can get a "Statement of bonus transactions" by clicking on the appropriate button on the screen. By knowing when Reward Points were credited and used, it is possible to calculate when they will expire due to a cancellation time.
Through Sberbank Online
To find out at Sberbank whether "Thank you" bonuses expire and when this can happen, you can use the information capabilities of the bank's official portal. And to check an individual account and the number of valid bonuses, it is most convenient to use the Sberbank Online system. Here, having entered your account, you need to go to the "Thank you from Sberbank" tab, located directly in the "Personal Menu" on the right side of the screen.
On the page dedicated to the promotion, the balance of active bonuses will be immediately displayed at the top of the screen. You will not be able to see when they disappear, however, under the number of prize units there is a button "History of operations". By clicking on it, you can get information with which it is easy to calculate how long the bonuses accrued when making different payments will be active.
Via SMS
To find out how many "Thank you" bonuses can be used at this moment, you need to send such a text message - "9" to number 6470 from the mobile phone registered when issuing a payment card. Here it will not be possible to find out when they can burn out or why the previously credited bonus points have been reset. However, a response message will come as soon as possible, it will indicate the number of prize units that can be spent today in the partner store to partially pay for the purchases made.
Sberbank is a recognized leader in the banking sector. It has many branches throughout Russia, offering a full range of services for customers: from plastic cards to a full cycle of settlement and cash services. Some services come with bonus programs. And the most popular of the programs is "Thank you". Next, we will consider whether “Thank you” bonuses from Sberbank burn out.
You can spend Thank you bonuses at Sberbank partners
Essence of the program
When receiving a plastic card, the client will always be warned about the possibility of connecting a cashback program and about how many points are valid. Cashback is a return of funds in the form of bonuses. With bonuses from the account, you can pay for purchases. Points are earned when paying with a card in any store.
The main nuances of the program are as follows:
- 0.5% of the check amount is returned from purchases;
- if the purchase is made in a partner store of the bank, then up to 50% of the amount is returned with points;
- points can be used to pay the full cost of the purchase (some stores allow you to pay with points only a part of the amount, for example, the Rigla pharmacy chain - 50%).
The bonus system is quite profitable in comparison with cashbacks from other banks. The list of partners at Sberbank is large. Today it includes the following organizations:
- Teremok - a chain of restaurants - up to 5%;
- various networks of fur salons - up to 7%;
- Letual - a chain of perfume shops - up to 7%;
- Nordman - shoe store - up to 5%.
On average, partners charge bank card users 5-7% of the amount of purchases. In other words, if a purchase is made on a card in the amount of 2700 rubles, then the bonus account will increase by 135-189 rubles.
You can spend points in a limited list of organizations: Kari, Burgerking, Euroset, Rigla pharmacy chain and others.
One of the options for connecting the program is through a Sberbank ATM
How to connect
Usually, at the time of receipt and activation of a plastic card, a store employee is interested in the need for a bonus program. Then it connects automatically. If the card was received a long time ago and the bonus program is not activated, then the procedure is as follows:
- turn to the electronic device and insert the card;
- enter the PIN code and select the item "Personal information ...";
- select in the menu "Bonus program" - activate.
After that, points will be earned from purchases. Information about the balance is available at 900. In this case, it is possible to call a specialist (the call is free) and, having named the code word, request a balance. Or send a message: THANK YOU (card number) to the same number. The message will contain information about the status of the account.
Note that the service can be connected to any card, whether debit or credit. The conditions differ in the amount of cashback, which is usually lower for credit cards.
It is also possible to connect a bonus program through Online banking. To do this, you must follow this algorithm:
- get a login and password using your phone by registering on the Sberbank website;
- select "My bonuses" in the menu and enter your e-mail address and mobile phone in the window;
- the system will generate a code and send it to the number associated with the plastic. The code must be entered into the form on the site.
There is a restriction on the use of the "Thank you" system - for instant issuance cards, the opportunity to register in the bonus program will appear only 5 working days after receiving it. Also note that when the points burn out, the bank notifies the user via SMS.
List of cards and bonuses
Plastic is divided into credit and debit. You can connect a bonus account to any of them, but the percentage of credited points is different. Let's introduce some payment instruments and the amount of bonuses:
- Platinum Visa (debit): price - 4900 rubles. for a year of service, when connecting the Premier service package - free of charge. 20% cashback;
- Youth MasterCard: Designed for young people. Service cost - 150 rubles. for a year, and up to 10% of the cost of purchases in partner stores is returned as bonuses;
- Golden plastic Visa: Service - 3000 rubles. per year, cashback return - 5%;
- Classic cards Master and Visa: service - 750 rubles. in a year. Return - up to 20%;
- WORLD social: service is free, cashback - 0.5% of the amount of purchases;
- Visa and Master Instant: service - 750 rubles. per year, return to the bonus account - 10% of all purchases on the card.
Not all payment instruments of Sberbank imply the return of bonuses. For example, Aeroflot allows you to accumulate miles, and Troika - the number of trips on public transport. In addition, it is worth paying attention that the higher the level of the card (Gold, Platinum), the more points the owner can receive. In general, such plastic provides other advantages: participation in closed events, insurance and legal assistance anywhere in the world.
You can check the balance of bonuses through the number 900, as well as in Sberbank Online
Restrictions
The bonus program has a number of limitations and nuances:
- bonuses are valid only for 3 years, after which they expire;
- if the plastic is not used within 12 months, then the points disappear. If bonuses are lost, then it is impossible to return them;
- if the contract with Sberbank PJSC is terminated, the points expire. The service of the card is also terminated;
- the maximum possible amount of accrual is 20,000 bonuses;
- if there are several cards, then 20,000 bonuses is a combination of all cards.
Bonus periods vary. So, if the amount of payments is less than 15 thousand rubles, then on average it takes 5 working days to be credited. If the amount is more than 15,000 rubles, then points can be awarded within 40 calendar days. When returning the goods and the amount to the account, the points are canceled.
Thus, the bonus program is designed to return to customers a part of the amounts paid. Of course, there are some restrictions on paying with bonuses, since transactions are possible only in partner stores, but up to 99% of the purchase price can be paid with bonuses. In addition, points are valid for 3 years.
The current Thank You from Sberbank bonus program is available to everyone who uses Sberbank cards to pay for goods and services by bank transfer. The bank charges only 1.00% of the purchase amount, for each hundred spent, you get 1 ruble. Points are accumulated on a separate account, you can spend them at any time, but most customers prefer to save up and make a significant purchase, for example, replenish the MTS balance, and this can only be done if you have accumulated more than 500 bonuses. Due to the fact that it takes a long time to save, the logical question arises whether thank you bonuses from Sberbank burn out and what is their validity period.
Validity of bonuses thanks from Sberbank
In accordance with the rules of the bonus program dated 11/01/2017, there are 2 withdrawal options. First, if you have not used the card for 12 months or terminated the service agreement, bonus points write off irrevocably. Second, if you use the card, the expiration date of thank you points is 36 months. If you paid with a card, but did not touch the bonuses, they will disappear after 3 years. Points are canceled at the end of each month, expired bonuses for the entire month are written off. For example, on March 12, 2015, you made a contactless payment and bought mascara in a cosmetics store for 900 rubles, and the bank gave you 9 bonus points for this. You used the card further, but did not spend the points, then they will be written off at the end of March 2018.
How to find out the expiration date of the next bonus
If you think that points are accumulating on your account for a long time and may disappear in the near future, check the date of the next write-off of thank you bonuses in your personal account on the Sberbank Online website. At the top of the bonus program page, you will find the number of bonuses that can be canceled on the next deduction.
To find out the number of remaining bonuses on the account, read the article -
