Thank you bonus program from Sberbank - what is it, how to connect and use it, where and how you can spend points

What is Thank you from Sberbank

The “Thank you” bonus program from Sberbank is one of the most popular in the banking industry. It started in 2011. The essence of the program is that for every purchase using a Sberbank card you receive a certain number of bonuses into your account. You can then use them to pay for other purchases. Not everywhere and not entirely, but there are also very profitable offers.

The program has two main goals:

1 Increasing customer loyalty. If a user of the bank’s services (and according to Sber itself, there are already more than 106 million people) has the opportunity to return part of what they spent, this already improves his mood and encourages further cooperation.

2 Expansion of business related to bank cards. You can receive Thank You bonuses only when making purchases with a card.

How much can you save?

If you consider what points are awarded for Tinkoff Platinum, you won’t be able to accumulate very many bonuses this way. Only 1% of the purchase “drips” into the bonus account. That is, if you spend 30,000 from your credit limit per month on purchases, the bank will give you only 300 rubles as a reward. Not so much.

More significant amounts can be obtained for purchases from partners of the Bravo bonus program. Their promotional offers are not publicly available; the client sees them only in the Tinkoff Bank application or personal account. They are constantly changing, and so are the amounts of bonus accruals.

Our partners are Aliexpress, Svyaznoy salons, Google Play, eBay, Lamoda, Burgen King, Letul, Ozon, Eldorado, Xiaomi, Lacoste, Ostrovok.ru and many other large federal and regional trade and service companies. A complete list of partners and the amount of rewards for purchases from them can be found here.

There are really a lot of partners. The only pity is that there are not many options on where to spend points with Tinkoff Platinum. But if, for example, you are planning a vacation with a train trip, you can save all year, and then make a good compensation. As a result, there will be more money left for recreation and entertainment itself.

Who can participate in the “Thank You” program

I was offered to become a member as soon as I received my first Sberbank plastic card and registered with Sberbank online. First, they verbally announced this opportunity at the bank branch, then sent an SMS, and then an email.

The rules of the bonus program indicate that all Sber card holders can participate in it: debit, credit and salary. The only condition is that you need to express your desire, that is, register. Holders of Momentum cards (not personalized, without indicating the owner on the front side) can register no earlier than 5 days after card activation.

The bonus points account is linked to the phone number and last name of the cardholder. When I got a Sberbank credit card, and then a gold debit card, Thank you bonuses from each of them were still collected into one common piggy bank.

Registration in the Sunlight Club

The organizers allow registration through the store’s official website and the company’s mobile application for Android and iPhone. To create a personal account using the first method, follow the sunlight.net link and click “Login” in the upper right corner. Enter your phone number, SMS code and fill out the form.

Registering through the app is even easier:

Sunlight on Play Store

Sunlight on the App Store

1. Download the free Sunlight mobile application for your device’s operating system and launch it.
2. Click on the profile icon or the “Login” button on the main screen.

3. Enter your phone number and request a code.
   Read also:  “Blackest” tariff from Tele2 ─ balance, quality, reliable connection
4. Enter the code received via SMS in the special field.
5. Whoosh! Ready! For registering in the application, the author of the article received 10,000 bonuses. All that remains is to fill out your profile in order to receive gifts more often.

Attention! Welcome points are valid for a very short time. If you are planning a purchase at Sunlight, hurry up and spend it.

How to connect Thanks from Sberbank

The bank offers three ways to register in its bonus program:

• In the Internet bank "Sberbank Online"
• At Sberbank ATMs and terminals
• Using Mobile Banking

Let's look at each option in more detail.

Sberbank Online

The author of these lines registered in exactly this way. The procedure is as follows:

• We log into Sberbank Online (if you are not yet registered in this system, the best option is to visit the nearest bank branch and sign an agreement for full-function access).
• In the personal menu on the right, select the item “Thank you from Sberbank.”

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• A window opens asking you to enter your mobile phone number in the top field (a password will be sent to it, so you should have your device at hand). In the lower field, enter your email address (any one - the main thing is that you have access to the mailbox). We confirm our agreement with the terms of the bonus program. Whether or not these rules are read is everyone’s business; there is nothing wrong with them, although they are written in rather complicated language.

• We receive a password on the phone - with its help you will be able to log in to the system in the future, as well as contact the contact center of the bonus program.
• Participation in the program is activated, you can go spend money from the card and receive bonuses.
• For complete happiness, set up your personal account profile by clicking on the “Profile” item in the top line. However, you don’t have to configure anything if you plan to enter the bonus program interface only through Sberbank Online.

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Sberbank terminals and ATMs

Here, the registration procedure for the bonus program is even simpler.

• We insert the card into the ATM receiver or Sberbank terminal.
• Enter your PIN code.
• In the menu that opens, select “Bonus program” or “Thank you from Sberbank” (the device interface is constantly changing).

• A window opens asking you to enter a mobile phone number, to which you should receive an SMS with a password. Enter 10 digits (code +7 is already set by default).

• We are waiting for the password to contact the contact center. The program began to operate.

Mobile bank

In this case, we only need a phone, we don’t even need the Internet, if you read the program rules earlier.

• Send an SMS with the text “Thank you xxxx” (xxxx is the last four digits of your card number; a space is required before them) to number 900.
• We receive an SMS asking you to agree to the rules of the bonus program (to read them, you will have to go to the site, which means you need an Internet connection). The message also comes with a five-character code.
• We paste this code into your message and send it to number 900.
• We receive another message with a password to contact the bonus program contact center. That's it, registration is completed.

Reviews about the bonus program

Based on existing reviews, Tinkoff Bank clients mostly approve of the program. Problems arise in two cases:

• Points are being credited incorrectly.
  In some cases, purchases are mistakenly classified as not earning points. The program is still being improved, so errors like this are understandable. Bank employees are aware of the problem, so they invite anyone who has it to contact the support service and provide a receipt for the purchase. After this, points will be credited in the required amount.
• Nowhere to spend it.
  Not all card users need to travel somewhere by train or regularly visit cafes/bars/restaurants. At the moment, it is not possible to solve the problem, however, the bank is actively working to expand the partners of its bonus program. As a result, for now you can simply accumulate points and wait for new opportunities to spend them.

What are points awarded for and what are they equal to?

If in the first years of the “Thank you from Sberbank” program, people were lured into it with increased bonuses at the initial stage (1.5% in the first three months), but now everything is simple and strict: any purchase brings 0.5% of Sberbank points. If you buy 1000 rubles in a supermarket, you will receive 5 points on your bonus account. One point is equal to one ruble.

Please note: the accrual of points has nothing to do with whether a particular retail outlet participates in the “Thank you from Sberbank” program or not. Bonuses are awarded to you by the bank.

Points are calculated for every 100 rubles spent on the card. If you spent an amount that is not a multiple of 100 rubles, the number of bonuses is rounded down. Let's say you bought a product for 5330 rubles. 0.5% of this amount is 26 rubles 65 kopecks. In reality, you get 26 bonuses.

Most inexpensive or no-cost cards have a limit on the maximum number of points awarded each month. If you have Visa or MasterCard Momentum, Visa Electron or MasterCard Maestro, the most you can count on is 20,000 Thank you bonuses per month. Don’t worry, this is a good amount; to get them you need to spend 4 million rubles.

However, in some cases you can spend less. Sberbank's partner organizations (among them representatives of almost all segments of trade in goods and services) often offer increased bonuses for purchases - up to 50%. Their interest is also in increasing customer loyalty. For example, in the Vologda region there is a regional network of gas stations that returns thank you bonuses to car owners from 3% to 10% of the cost of purchased fuel. Naturally, you want to stop by such a gas station more often.

On the promotional website of the Thank You from Sberbank program, all partners of the Sber bonus project are presented; below I will tell you how to find what you need among dozens of offers.

All accrued points are reflected in the history of bonus program transactions. In order to see how much you were credited and for what, log into the program website (for example, https://bonus-spasibo.ru/sbrf) and perform the following steps:

1 Hover over the Profile menu item at the top of the screen. Select "Transaction History" from the drop-down menu.

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2 In the window that opens, all your transactions will be reflected in the order in which bonuses are accrued. Keep in mind: different sellers award bonuses at different times, so there may not be a chronological order in the history of transactions. For example, for promotions from Sber partners, Thank you points are often awarded immediately, while the standard 0.5% can take several days to reach the bonus account. On the history page, you can set the desired time period, organize purchases by the number of bonuses, and also download statistics to an .xls file (opens in Excel and other similar programs).

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How to become a member of the Bravo program?

Almost any owner of a Tinkoff Bank credit (but not debit) card is automatically a participant in the Bravo program. An exception is made only for the following types of cards:

• ALL Airlines.
  In this case, there is also a special bonus program, but instead of points, miles are awarded, which can later be used to pay for flights.
• Classmates.
  Users of cards of this type receive their own version of points in the form of currency for the social network of the same name in the amount of 1 OK per 100 rubles spent on purchases.

It should be taken into account that owners of debit cards also participate in the program, but instead of points they receive direct cashback in the form of real money, which is somewhat more convenient, because they can be spent much easier.

Why points are not awarded Thank you

Despite the fact that the Thank You program from Sberbank is very loyal to participants, there are some restrictions on the accrual of bonuses. Most of them are needed to avoid abuse.

So, you will not receive a “Thank you” in the following cases:

• for withdrawing cash from the card (this is logical: the money remained with us, we did not buy anything, the bank simply has nothing to reward us for);
• when transferring money from card to card (for yourself or other people - it doesn’t matter). Here, too, there is no fact of purchase. Therefore, for example, you will not receive bonuses for a purchase in an unregistered online store (by simply transferring money to an individual on a card);
• when converting currency. This is a banking service, not a purchase, the money again remains with you, albeit in a slightly different form;
• when paying for services through Sberbank online;
• when paying for the services of Internet providers and mobile operators;
• when transferring money to electronic wallets (your own or someone else’s – it doesn’t matter);
• when purchasing securities and precious metals;
• when purchasing goods or services prohibited by the legislation of the Russian Federation.

There is one more limitation: points are awarded only for five purchases per day. The sixth and subsequent expense transactions will not earn points.

How to receive Russian Railways Bonus program points for travel?

To join the program, you need to go through the registration procedure on the official website www.rzd-bonus.ru, following the step-by-step instructions available in the Help menu in the Video instructions tab.

Only registered passengers have the opportunity to accumulate Russian Railways Bonus points and write them off in the future.

When joining the program, the user opens a personal account in his personal account (is assigned an identification number), to which 500 points are automatically awarded as a welcome.

After entering the participant’s personal data into the database and activating his profile, you can begin accumulating Russian Railways points. The main conditions for accumulating bonuses in automatic mode are as follows.

1. Carriers participating in the program are divisions of Russian Railways - JSC FPK (cars and long-distance trains owned by the company) and DOSS (trains Sapsan and Allegro).

Points are credited for a completed trip if the passenger has issued and purchased personalized travel document and indicated a personal Russian Railways bonus number.

The amount of points awarded for a trip is directly proportional to the cost of the ticket.

1. The opportunity to earn points is also offered by partners of the bonus program, the current list of which can be found in the Partners menu or by following the link.

Points are awarded to a participant who orders and uses certain services provided by partners within the program. For example, a user can pay for purchases with a special card from a partner bank or stay at partner hotels and receive bonus points for this.

The number of points and the conditions for their enrollment are determined by the Russian Railways partner.

1. Additional points can be obtained by participating in special promotions. The terms and conditions of current promotions and offers are posted in the Promotions menu or available via the link.

How are bonus points different from qualifying points?

The bonus points that a program participant receives can be of two types:

• premiums , which are used to receive discounts within the program;
• qualifications , which are used to increase the level of the participant.

Qualifying points can only be earned for completed trips.

If 35,000 qualifying points are accumulated on a personal account or 50 trips are registered, at least in compartment cars, during the year, then the participant receives elite (gold) status . This membership level upgrade provides additional bonuses and privileges compared to the basic level, which is assigned immediately upon registration.

For the basic level, 1 point = 3.34 rubles for the ticket price. For the elite level, 1 point = 2.23 rubles for the ticket price.

Award points are awarded not only for completed trips, but also for:

• registration in the loyalty program (500 points);
• use of services from program partners;
• participation in special promotions and offers;
• achieving elite status (500 points);
• inviting new participants.

How to count a past trip in your personal account of the Russian Railways bonus program?

If the passenger did not indicate a personal Russian Railways bonus number when purchasing travel documents, then he has the opportunity to log into his personal account on the official website and accrue Russian Railways bonus points after the trip.

To do this, you need to enter the data of the completed trip in the appropriate form in the Count trip menu:

• Full name of the registered passenger;
• names of points of departure and arrival with their codes;
• travel start date;
• train number and ticket number;
• document confirming the passenger's identity (type and number).

Likewise, a passenger can add details and register the trip they took before joining the loyalty program.

A passenger can restore unaccounted points if the trips were made:

• more than 30 and less than 120 days ago from the date the data was entered into your personal account ;
• less than 30 days ago from the date of registration with Russian Railways bonus .

It is recommended to keep the travel document confirming the trip until the bonuses are credited to the participant’s personal account.

Can bonuses be bought or sold?

The purchase and sale of Russian Railways bonus points to other individuals and legal entities is not permitted .

How long does it take for points to be awarded?

Automatic accrual of bonuses for a registered trip begins on the date of the passenger's trip, with the period for crediting points being 30 days .

Bonuses for using services and services of partners are awarded within 60 days , starting from the date of provision of the service.

Can another person's trip be credited?

Since participation in the Russian Railways bonus is strictly individual (the identification number is linked to specific personal data specified in your personal account), you will not be able .

Why are bonuses not awarded?

There are a number of cases in which points are not counted:

• if the trip was made on discounted, service or free tickets;
• if the trip was made using group travel documents;
• if the train was cancelled;
• if the participant refused the service he had already paid for and received his financial funds back.

Where can I get points Thank you

The program provides two sources from which Thank You bonuses can be credited to your account.

1 Purchases of goods and services at offline retail outlets.

For any purchase in any organization of any form of ownership, the bank will award you 0.5% Thank You bonuses on the purchase amount.

2 Shopping in online stores.

But when shopping online, Thank You points will only be awarded if the seller is a partner of Sberbank and officially participates in the bonus program. Let's take a closer look at how to find out if your favorite online boutique is one of the Thank You companies. The procedure is as follows:

• We enter the website of the Thank you from Sberbank program. There are several such sites, you can choose any one: for example, https://spasibosberbank.ru/partners or https://bonus-spasibo.ru/sbrf/partners/.
• In the linear menu, select “Online store”.

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• In the “search” line, type the name of the store you are interested in.
• If you don’t know the exact name, you can search manually by turning the pages. This is not difficult, since at the moment Sberbank has a little more than fifty online stores as partners.

And now about the pleasant things. In addition to the standard 0.5% points from Sberbank, you can earn points from Sber partner stores. And here everything depends on the generosity and marketing tasks of the sellers.

You need to look for the most favorable conditions like this:

• Log in to https://bonus-spasibo.ru/sbrf/, select “Promotions” in the linear menu
• In the “Sorting” window, select “Bonuses in descending order”

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All other increased bonuses can be viewed by selecting the “Accrues Thanks” item in the linear menu.

Along with the usual offers from Sberbank partners, users are periodically offered promotions on special conditions. For example, a couple of months ago I successfully guessed the purchase of an expensive device for a special offer from Sber: for any purchase with a card over 30,000 rubles, up to 2,500 points were returned to bonus program participants. Thank you. No conditions were set: only purchase with payment by card. In the end, I actually got 999 bonuses back after 2 weeks.

Sometimes Thank You is offered as an incentive for participating in competitions from Sberbank. For example, for the best selfie with a purchase made using Thank You bonuses, the winner was awarded from 500 to 1500 points.

Bonuses can be used to pay part of the cost of air tickets, which is also quite convenient.

All Sberbank special offers can also be viewed on the bonus program websites or in the mobile application.

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How does the program work?

“Spasibo” is a loyalty program that allows customers to collect bonus points awarded for each purchase paid with a bank card and use them to pay for other goods and services, saving their personal budget.

Principle of the program Thank you:

• The owner of the Sberbank card is activated in the loyalty program.
• A bonus piggy bank account is linked to his card, where the accrued points will be received. For example, a person paid 20,000 rubles from a card for a purchased product. 1,000 bonuses will be credited to his account, which equals 1,000 rubles. In 2021, you can spend the accumulated points to pay for goods or services provided by stores and partner companies of the bank.

Each bank card owner can participate in the bonus program. The amount of points awarded depends on the amount of expenses.

Digital credit card from Sberbank

Design

How to find out the number of points Thank you

You can find out the number of Thank You bonuses in several ways:

1 Through Sberbank online. After authorization, open the “Thanks from Sberbank” item in the menu on the right. The number of bonuses is indicated in the top line on the right.

Please note: the program page opens in a new window, so if you have pop-ups blocked, you will need to select “Allow for this page” in the menu that pops up under the address bar.

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2 Via an ATM or Sberbank terminal. Authorization in the bonus program occurs by entering the card PIN code. In the menu that opens, select the “Bonus program” item (or a similar one with a similar name - depending on the current interface). In the window that opens, you will see the number of Thank You bonus points linked to the card.

3 Through Mobile Bank. To number 900 we send an SMS with the text THANK YOU xxxx (xxxx is the last four digits of the card number). The response message will contain the number of bonus points at the time of submitting the request.

4 Through the “Thank you from Sberbank” mobile application. After entering the application interface, in the top line we see the number of points we have.

How to check how many bonuses are on your balance

You can check the balance on bonuses on a Sberbank card:

1. by calling the contact center at 8 800 555 55 50 . The client must remember the personal information received on the phone during registration;
2. by using an ATM and going to my “Bonus Program”;
3. using Internet banking;
4. using an SMS message with the text “9” to number 6470 from the number that is linked to the bonus program.

Where can I spend points Thank you

There aren't many places where Thank You points are accepted as a discount. Most participants use the Sberbank program as a marketing ploy, so the conditions for accepting bonuses change frequently and need to be monitored. The best way to do this is on the website https://bonus-spasibo.ru/sbrf or through the mobile application.

The search order is as follows:

1. We go to the website, select “Partners”;
2. If your location is not determined automatically, select your (or nearest) city in the top menu;
3. In the linear menu, select “Accepts Thanks”;
4. Only stores where bonuses can be used as a discount remain on the page. We go to the page of any of the program participants. The list includes both online stores and offline retail outlets;
5. Read the terms and conditions for using bonuses.

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The number of partners of the “Thank you from Sberbank” program varies in different regions. The conditions for using bonuses are also different. For example, in the Kari shoe store chain you can use points to get a discount of up to 70%, and in the liters online store - up to 99%. At Burger King, a discount is provided if you have at least 249 points on your account. Thank you. And so on: bonus conditions, as already mentioned, are constantly changing.

How to use Bravo bonuses

Unlike many other similar systems, bonuses are not used for purchases as such, but to compensate for the amount spent. For example, if a person made a purchase subject to compensation in the amount of 1000 rubles and has 500 points in his bonus account, he can compensate 500 rubles out of the thousand spent. They will be returned to the account.

Features of writing off bonuses

The main feature is that points can only be spent when paying for certain purchases or services at partner companies of Tinkoff Bank. This greatly limits the possibilities of bank clients, however, the system is gradually developing and, quite possibly, every year there will be more and more opportunities to spend points. Separately, it should be noted that the client has a full 90 days from the date of payment to take advantage of the compensation. And even after this point, the points do not expire; they can simply be used to compensate for other payments.

What can you spend your points on?

At this time, points can only be redeemed for the following purchases:

• Payment for train tickets.
• Expenses for paying for food in a restaurant, bar or fast food.

The list is not very voluminous, but even if the client does not need to travel somewhere by train, points can always be spent on having a great family vacation in some cafe.

This is what an expense operation looks like. To compensate for the purchase, you need to look at the MCC code. Options for transactions with the following codes are subject to compensation:

• 4112.
• 5811.
• 5812.
• 5813.
• 5814.

Converting bonuses into money

This operation means compensation, because in fact the points turn into money. For example, from competitors, say, Sberbank, you can buy something with points. And in the case of Tinkoff Bank, the purchase is made using your own (or borrowed) funds and only then, by converting points into money, compensation is made.

Step-by-step instruction

To convert bonuses into real money you need:

1. Log in to your personal account at Tinkoff Bank:
2. Go to the section with a list of all completed payments.
3. Select the appropriate payment.
4. Click on the “Compensate” button.

Immediately after this, the points will be debited, and the equivalent amount in rubles will be credited to the account.

Paying for a train ticket with bonuses

As mentioned above, one way to spend points is by purchasing train tickets. However, the system here is exactly the same as described above. That is, the purchase of a ticket is made at your own expense and only then, when the payment goes through, the amount spent on paying for the tickets can be compensated with points. Direct payment for tickets using points is not possible.

Step-by-step instruction

The instructions are largely identical to those above. The only thing that can be added is that you only need to look for those payments whose MCC contains the number 4112. This makes it somewhat easier to navigate the list of expenses. Everything else is exactly the same as before.

How to spend points Thank you

In a Sberbank partner store, before making a purchase, check with the cashier, salesperson or consultant whether there is a bonus program. If the answer is yes, immediately state that you plan to pay part of the purchase price with points. Thank you. Then insert the card into the terminal or touch the screen with it. The cashier will tell you the amount of bonuses available in your account and tell you how many of them can be spent on this purchase. You choose how much you want to use, the points are deducted from your account, and the store gives you a discount for that amount.

In an online store participating in the program, the procedure is as follows:

• Place the selected product in the cart;
• Select the item “Pay using Thank you points” (depending on the store, the text may change, but the meaning will remain the same);
• We select the number of bonuses to write off, then follow the instructions on the site.

How to check the number of Russian Railways points in your personal account?

You can find out how many bonuses are on your Russian Railways card on the official website in the History of points accrual/write-off menu.

Checking the balance of bonuses, both premium and qualifying, is always available on the right side of the personal account page.

The user also has the opportunity to view the number of accumulated points in the personal account of the Russian Railways Bonus program separately for trips and separately for using partner services for a selected period of time. To do this, you need to use a special operation search filter. In the same way, you can view transactions for writing off points.

FAQ

Thank you bonuses are awarded in different ways: some immediately after purchase, others after a few days. Are there any standards for awarding points?

The rules of the bonus program are as follows: if the purchase amount is less than 15 thousand rubles, points are credited within 5 business days. If you spent 15 thousand or more, bonuses can be credited within 40 business days. A separate topic is promotions from Sberbank partners. These sellers award bonuses themselves, so the process goes much faster (points often arrive in your account within a minute after payment by card).

Is it possible to exchange Thank You bonuses for money?

“Thank you” from Sberbank is not a means of payment, but the equivalent of a discount on goods and services. You can exchange bonuses for discounts in the ratio of 1 THANK YOU = 1 ruble. According to the promotion rules, points cannot be exchanged for money.

I want to accumulate more points, but I'm afraid that they will burn out. How long are bonuses valid? Thank you?

You must use the Thank You bonuses received within 36 months (the period is counted from the moment points are awarded after each purchase). If you have not applied the discount during this time, the bonuses are written off. When there is a month left before the write-off, in the interface of the site https://bonus-spasibo.ru, after logging into it with your password, the number of bonuses that are reaching their last days is indicated in the top line. More stringent conditions apply if you have not used the bonus account at all (that is, you have not used the card) during the year. Once the 12 months expire, all points in the account will be canceled for the next 30 days. Thank you. It is clear that the bonus program ceases to operate if the bank client closes his cards and terminates the service agreement.

Thank you bonuses are linked to the card. What if I lose my card, will the bonuses disappear?

Thank you points are tied to a bonus account that is opened for the card user. They cannot be used while your card is being reissued. As soon as you receive it at your bank branch, access to your bonus account will be restored.

Are points awarded for card purchases abroad? I use a Sberbank Visa Classic card on vacation in Turkey and convert rubles into liras through a Turkish bank.

Thank you bonuses are not awarded for currency conversion operations. But for any purchase abroad, you will receive points from the bank in the same amount as inside Russia - 0.5% for each transaction on the card (in rubles at the rate of the Central Bank of the Russian Federation, if the purchase was made in foreign currency).

The essence of the Multibonus program

Bonus programs in all banks are structured similarly: for spending on cards, customers accumulate points that can be exchanged for goods, services or real money. The peculiarity of VTB is the variability of remuneration. Bank clients decide for themselves what to spend their bonuses on. There are six options to choose from:

• Borrower. For using the card, the bank gives a discount on a credit product - a mortgage, credit card or consumer loan. It works like this: the client spends a certain amount a month, and in response, VTB reduces the rate. The resulting difference is returned to the account, and the loan payment schedule remains the same.
• Saving. In this version of the program, VTB increases the profitability of deposits and savings accounts. The client accumulates bonuses, and the reward is credited to his deposit.
• Cashback and auto. For purchases at gas stations and paying for parking, you will receive increased cashback - up to 4% in bonus rubles. If you pay for a car from VTB partners, the percentage is even higher - up to 15%.
• Trips. Instead of bonuses, the bank awards miles that can be spent on travel - air and train tickets, hotels, car rentals, movie tickets, etc.
• Cashback and restaurants. An increased percentage of purchases is returned if you use the card in cafes, restaurants and public catering, or pay for theater and cinema tickets. Cashback value is up to 4% at any establishment, up to 15% at VTB partners.
• "Collection". For any spending, bonuses are awarded that can be exchanged for goods, travel or entertainment from the large VTB catalogue. This is the main and most popular option.

Important! You can only use one option at a time - for example, accumulating points within the “Collection”. But every month VTB allows you to change the option (the client chooses the new conditions, and the change service itself is free).

Multicard from VTB Bank - cashback for purchases

Apply now

Where can you spend MTS bonus points?

The operator offers a wide range of available goods and services, on which you can spend accumulated MTS bonus points. First of all, perhaps, it is necessary to note the possibility of making purchases in official MTS stores with a discount, which is generated according to the scheme 10 points = 1 ruble discount. Of course, such a discount in store stores applies both to communication services and to very real electronic devices and gadgets, the cost of which up to 99% can be paid for with bonuses.

In addition to directly contacting the operator’s stores, you can also spend points on the corresponding web portal created specifically for loyalty program participants. And if you are interested in where you can spend MTS points, then you should go to the website bonus.ssl.mts.ru, where you need to follow the following points:

1. Section “Spend points” in the main menu of the site.
2. “Go” button in the “Rewards Catalog” block.
3. On the next page, you can use a filter to display products of the category you are interested in, after which you should familiarize yourself with the available offers for purchase.

Of course, to pay for purchases with bonuses directly on the MTS website, customers must go through the registration and authorization procedure. The standard authorization method includes the use of a mobile phone number, as well as a static/dynamic password, however, for greater convenience of using the personal account, the operator invites loyalty program participants to use accounts in popular social networks, as well as systems for authorization:

• Classmates;
• In contact with;
• Microsoft;
• Facebook.

If you already have access to a standard MTS personal account, you will not have to additionally register in it. Login will be available using existing authorization data.

Summary table of MTS bonus rewards

MTS bonus points cannot be exchanged for money into your account! But MegaFon subscribers can do this.

The difference between the bonus program on postpaid tariffs

Beeline clients using postpaid communication offers receive a discount on the monthly payment, calculated according to the period of use of the company’s services (from 5 to 15%).

A postpaid tariff is a communication service that is provided in a package for a fixed price for a certain period of time. For example, the “Everything for...” line from Beeline.

To activate the loyalty program discount, you must use the number 06743331. It will apply to the next invoice issued.

The bonus loyalty program allows customers to save significantly on communication services, receive discounts and free packages of minutes, SMS and Internet. The operator recommends that all subscribers activate the option, since the service is provided free of charge.