Active users of cards from Sberbank know that with each purchase, part of the money is returned to them in the form of “Thank you” bonuses, which can later be spent on paying for various services. Usually you can pay up to 50% of the purchase in offline and online stores that are partners of the bank. You can also pay for Megafon with Thank you bonuses from Sberbank to save on mobile communications. However, to do this, you need to know about some tricks.
Activation of the program
The “Thank you from Sberbank” program, despite its longevity, is not used by all clients. Some have not heard of such a service, others are simply too lazy to understand the intricacies. In fact, everything is very simple and not at all difficult, but it requires some effort.
The main thing that plastic card owners need to know is that the service is not activated automatically, but must be activated by the person himself voluntarily.
This can be done immediately after opening an account, and in some cases only after a few days. It all depends on the type of plastic obtained and the capabilities it has.
Activation of the program is possible in this way:
- Through your personal account, which must also be registered and open. Having entered it, you can easily see the active window with the appropriate name on the right. After clicking on the tab, you must enter your personal phone number and email address. After that, a personal code will be sent to your phone, which may be needed later, so you need to save it.
- To activate the service, you can use ATMs or information kiosks. This connection also takes place in two stages. First you need to insert the card and enter the PIN code. Then select the desired tab in the menu, where you also enter your mobile number and e-mail.
- You can also connect the program by sending a short SMS to number 900. The SMS message contains the following information: “Thank you XXXX”, where instead of four X’s the last four digits indicated on the front side of the bank card are inserted. In response, you will receive a message with a personal code, which must be resent to the same number. Thus, the connection of the service is confirmed and it is considered enabled.
From the moment of activation, bonuses are credited and accumulated automatically and does not require additional effort on the part of the bank account holder.
Write-off at the Megafon communication store
In Megafon stores, bank clients can exchange already accumulated bonuses for discounts of up to 50% on purchases, or vice versa, receive bonus points.
When paying by card, customers receive:
- 0.5% of the receipt amount for the purchase of a mobile phone;
- 1% for purchasing a tablet;
- 5% when purchasing portable equipment;
- 10% when purchasing accessories.
The Thank You program does not work with Apple products. In other words, when purchasing any product from this company, bonuses cannot be written off or credited.
What can you get bonuses for?
To replenish your bonus account, pay for your purchases with your existing Sberbank card. This will be enough to accumulate points. To get the most out of it, you should be interested in which stores will issue points and in what quantity. An exhaustive list of Sberbank partners is always presented on the official website in the “Thank you bonuses from Sberbank” section.
Today, points are added for the fact that customers indulge in:
- Five.
- Sportsmaster.
- M Video.
- Online store Ozone.
- Next
This list includes many more smaller representatives.
How to cash out bonuses
It is not possible to withdraw cash from bonuses directly. Funds cannot be credited to a card or withdrawn to electronic wallets. But there is a way by which you can get real money. To do this, the client will need a person who needs to top up his MTS account. Or who needs to purchase something in stores from the list of partners. Online stores also offer discounts. Therefore, the operation can be carried out completely by bank transfer. And those who took advantage of the discount can return the difference from their card account.
The second option is with cash: bonuses can be transferred by replenishing the account of this person, and he will return the amount in cash.
How to pay for Megafon services with points
You can spend thank you bonuses in various ways. You can make various purchases in the specified networks or in other places that were not mentioned above. Some stores only award points or only accept them, while others do both.
If a buyer wants to pay for something with bonuses, he must know that one general rule applies to all payments - up to 99% of the cost of a purchase or service can be redeemed with points, the remaining 1% must be paid in cash or by card.
How to pay Megafon with received bonuses? This question interests many, because this mobile operator does not cooperate with Sberbank under the bonus program. However, it is still possible to pay for Megafon with Thank you bonuses from Sberbank. This will have to be done bypassing the existing approved system, which will undoubtedly increase the number of transactions performed and, accordingly, require more time to complete the payment.
To pay for a phone that belongs to the Megafon operator, you can resort to two possible options:
- Make a transfer through the mobile operator MTS.
- Make a payment in cash, having previously cashed out the bonuses.
Consider both methods in more detail.
Description of the “Thank you from Sberbank” program
“Spasibo” is a loyalty program that gives the client bonuses for every purchase made with a Sberbank card (credit or debit). The accumulated points can be spent on discounts when purchasing goods or services in stores that are partners of the program.
The bank cooperates with companies offering different categories of goods. Among them there are supermarkets, theaters and cinemas, pharmacies, transport companies, electronics stores, sporting goods, cosmetics, etc.
When a product or service is paid for by card, the client receives from 0.5% to 20% bonuses from the cost of the purchase. The number of points accumulated depends on the place of purchase and its price (1 bonus point = 1 rub.).
At the same time, it is not necessary to make purchases only in partner stores, because Sberbank awards cashback for every purchase made with the card. If a client has several cards, bonuses accumulate on a single account.
According to the terms of the program, in partner companies you can pay up to 99% of the price of a product or service with points, and 1% is paid in cash or money from a bank account.
However, in some stores this rule changes, so before paying with bonuses, you need to consult with the seller or check the conditions on the company’s website in advance.
Depending on how often the client uses the card or Sberbank services, he can achieve different levels of privileges. The higher the level, the more bonuses are awarded.
There are 4 types in total:
- "Thank you" . Allows you to receive up to 30% cashback from a partner store.
- "Thank you very much" . Along with 30%, the client receives 0.5% bonuses from Sberbank itself.
- "Thanks a lot" . In addition to the previous bonuses, the program participant selects 2 product categories in which he can receive increased discounts - up to 20%.
- "More than Thank You " This level of privileges provides all previous bonuses - discounts up to 30% from partners, 0.5% from the bank - and 4 categories of goods with increased discounts. It also becomes possible to cash out accumulated bonuses.
Bonuses expire 2 years after they are credited to your account.
Payment via MTS
If you have Megafon connected, then payment with thank you bonuses from Sberbank can be made through the mobile operator MTS. MTS is an official partner of Sberbank and freely accepts bonus points to pay for cellular services. Moreover, this operator allows you to use the funds on your account to pay for various services, such as:
- Games.
- Entertainment.
- Megafon services.
- Repay loan obligations.
You can withdraw funds to MTS only if you have at least 495 points, and 5 rubles will need to be paid with the funds available in the account.
To make a payment, you must first top up the MTS account itself, and only then go to the “easy payments” section and select the Megafon tab. When making a transfer from MTS to Megafon, you must take into account that the operator himself will charge the required percentage for the transaction. The percentage and amount charged will be indicated in the box before the payer makes the final payment. Using different services requires different amounts of interest payments. Therefore, you should strictly monitor their size; if you disagree with the specified percentage, you must refuse to perform the operation. If the payment is confirmed, you must wait until information appears that the service has been paid for.
A way to bypass the ban
Previously, it was possible to top up your MTS balance with bonus points, and then transfer money to a Megafon subscriber’s number through your personal account on the provider’s website. However, now he is also not a partner of the bank, so this method is no longer valid.
There is another workaround that will allow you to top up your phone: cash out your points and deposit cash into your account.
You can do this in 2 ways:
- Swap with friends . If friends of a program participant want to make a purchase at one of the partner stores, then he can exchange his bonuses for friends’ money.
- If the client has reached the 4th level of “More Than Thank You” privileges, then he has access to the function of cashing out points into rubles.
There are no other ways to top up the Megafon mobile operator.
Restrictions
When considering how to deposit thank you bonuses into an MTS operator client account, you need to know that the system has a number of restrictions. Basically, all restrictions are caused by the number of transfers and the time frame for replenishing the account. Thus, the MTS company imposes limits on the amount that a subscriber cannot exceed and on the number of subscribers whose account can be topped up from one bank card within 24 hours:
- It is impossible to top up more than three subscriber numbers per day from one bank card account with the bonus program.
- The transfer amount in bonus rubles should not be less than 500 rubles per transaction, and should not exceed 6,000 rubles for all transactions within a day.
- Points accumulated under the “thank you” program cannot be paid using SMS and the bank’s application.
- An amount transferred to someone else's account by mistake is not returned to the subscriber's account, even if there is insurance for debiting funds.
- When paying for a phone with bonuses, 99% is written off in bonus rubles. If the subscriber’s bank card does not have enough funds by 1% of the amount, the transaction will not be completed.
- When transferring bonus funds to MTS subscriber numbers, you must take a break in operations for at least 5 minutes.
About Store
Today it is one of the largest mobile operators. He has a wide network of salons providing a wide range of services. The mobile operator always tries to stay ahead of the competition and the motto is . In the showrooms, everyone can choose a mobile device made using the latest technologies. The company cooperates with global manufacturers, including: Sony, Nokia, Fly, LG, Samsung and others.
A variety of digital technology is available to customers. And also in Megafon salons they provide services: payment of bills; equipment setup; connection of digital television and Internet. This is not the entire list of services that can be obtained by visiting the Megafon cellular communication salon. To make the next day more interesting than the previous one, the company sets new goals and achieves them.
